[FL & GA] iTHINK Financial $125 Checking Bonus + $275 ‘Savings Bonus’

Update 7/19/26: There is now a $275 bonus based on your average daily balance as well. Kiwi. Read comments before signing up. Hat tip to reader Kiwi

Offer at a glance

• Maximum bonus amount:
• Availability: FL & GA, select counties. 
• Direct deposit required: Yes, $1,000+ required 
• Additional requirements: See below
• Hard/soft pull: Soft pulln
• ChexSystems: Unknown
• Credit card funding: Yes, $500+
• Monthly fees: None
• Early account termination fee: None
• Household limit: None 
• Expiration date: 12/31/2025

The Offer

Direct link to offer

• iTHINK Financial is offering a $125 bonus when you open a new checking account and complete the following requirements: 
  • Use promo code EARN500 when prompted or show your email at local branch
  • Open a checking account to receive $50
  • Sign up for direct deposit to receive $75 (minimum $1,000)
• Can also get an additional $275 bonus based on your average daily balance: 
  • Tier 1 90-Day (ADB) $1,500+ in total deposits = $100 bonus
  • Tier 2 90-Day (ADB) $10,000+ in total deposits = $225 bonus
  • Tier 3 90-Day (ADB) $20,000+ in total deposits = $275 bonus

The Fine Print

• Promotion is for new, consumer members only. One bonus per member. Membership is required and subject to eligibility and qualifications.
• $5 minimum deposit required for membership.
• Minimum credit or risk score may be required to qualify for other services.
• $50 will be deposited in the new member checking account after the account has been opened and membership/opening requirements confirmed.
• To qualify for the $75 Direct Deposit Bonus, total direct deposits must total at least $1,000 within 90 calendar days of account opening; bonus will be paid within 60 days of completing the direct deposit terms.
• Member must be at least 18 years of age.
• Not to be combined with any other offer.
• Consult your tax advisor with any questions.
• Offer subject to change without notice and valid for checking accounts opened through 12/31/2025.
• All bank account bonuses are treated as income/interest and as such you have to pay taxes on them

Avoiding Fees

Monthly Fees

MyWallet free checking has no monthly fees to worry about. 

Early Account Termination Fee

I wasn’t able to find any EATF in the fee schedule. 

Our Verdict

Nice that you can get $50 of the bonus without a direct deposit just in case work arounds don’t work. As always share your experiences in the comments below. 

Hat tip to reader Kiwi

Useful posts regarding bank bonuses:

• A Beginners Guide To Bank Account Bonuses
• Bank Account Quick Reference Table (Spreadsheet) (very useful for sorting bonuses by different parameters)
• PSA: Don’t Call The Bank
• Introduction To ChexSystems
• Banks & Credit Unions That Are ChexSystems Inquiry Sensitive
• What Banks & Credit Unions Do/Don’t Pull ChexSystems?
• How To Use Our Direct Deposit Page For Bank Bonuses Page
• Common Bank Bonus Misconceptions + Why You Should Give Them A Go
• How Many Bank Accounts Can I Safely Open Within A Year For Bank Bonus Purposes?
• Affiliate Links & Bank Bonuses – We Won’t Be Using Them
• Complete List Of Ways To Close Bank Accounts At Each Bank
• Banks That Allow/Don’t Allow Out Of State Checking Applications
• Bank Bonus Posting Times