Panacea Checking bonus: is $300 worth it?
What it adds over what your cash earns now, tier by tier. Change the rate to yours.
With $25 for 60 days, the tier that adds the most.
Yearly rate on $25 while it's there, bonus included.
Every tier
A smaller tier often wins: less cash away from what it earns now.
- +$100$25$100 bonus · 60 days
- +$200$25$200 bonus · 60 days
- +$300$25Best for you$300 bonus · 60 days
The math
Compared with leaving $25 at 4.15%
Deposit $25 in new money within 60 days · Make 15 debit card purchases within 60 days · Refer a new eligible doctor/dentist/vet (or student/trainee) who opens and funds a…. Terms checked Oct 10, 2026.
About this bonus
What it takes
- 1Deposit $25 in new money within 60 days
- 2Make 15 debit card purchases within 60 days
- 3Refer a new eligible doctor/dentist/vet (or student/trainee) who opens and funds a…
- Ends
- Apr 27, 2027
- Where
- Nationwide
- Monthly fee
- None
- Closing early
- $25 within 90 days
- Cash stays
- About 60 days
- Bonus paid
- Usually within 60 days of finishing
Similar bonuses
The same kind of account, ranked by what each adds at 4.15%.
Questions
Is the Panacea Checking bonus worth it?
At 4.15%, about what T-bills or a money market fund pay (as of Oct 12, 2026), the $25 tier adds +$300: the $300 bonus, minus the $0 that cash would have earned in 60 days. The $25 tier adds +$200. At a different rate the answer changes; the calculator on this page works it out for yours.
What are the requirements?
Deposit $25 in new money within 60 days; make 15 debit card purchases within 60 days; refer a new eligible doctor/dentist/vet (or student/trainee) who opens and funds a…. Open nationwide.
When does it end?
The offer ends Apr 27, 2027. The terms were last checked Oct 10, 2026.