Trustco Bank Home Town Checking bonus: is $300 worth it?
What it adds over what your cash earns now, tier by tier. Change the rate to yours.
+$300: more than leaving it at 4.15%
The math
Bonus
+$300
Extra
+$300
Get 3 direct deposits of $500+ within 120 days. Terms checked Oct 9, 2026.
About this bonus
What it takes
- 1Get 3 direct deposits of $500+ within 120 days
- Ends
- Oct 31, 2026
- Where
- 5 states: FL, MA, NJ, NY, VT
- Pays while it's there
- 0.01% a year
- Monthly fee
- None
- Closing early
- $26 within 90 days
- Bonus paid
- Usually within 150 days of finishing
- Credit check
- A ChexSystems inquiry (not your credit score)
Similar bonuses
The same kind of account, ranked by what each adds at 4.15%.
Questions
Is the Trustco Bank Home Town Checking bonus worth it?
It doesn't tie up any cash, so it beats leaving your money where it is: after fees it adds +$300.
What are the requirements?
Get 3 direct deposits of $500+ within 120 days. Open to residents of FL, MA, NJ, NY, VT.
When does it end?
The offer ends Oct 31, 2026. The terms were last checked Oct 9, 2026.