Percapita (Fintech) $300 Checking Bonus ($25 Per Month), Direct Deposit Not Required

Update 6/3/26: Offer extended to 12/31/2026 and available to first 7,000 customers. Hat tip to BonusVault

Offer at a glance

• Maximum bonus amount: $300
• Availability: Nationwide 
• Direct deposit required: No
• Additional requirements: See below 
• Hard/soft pull: Soft pull
• ChexSystems: Unknown
• Credit card funding: None 
• Monthly fees: None 
• Early account termination fee: 12 months for full bonus
• Household limit: None listed
• Expiration date: April 15, 2026, first 3,200 people

The Offer

Direct link to offer

• Fintech Percapita is offering a $300 bonus ($25 per month for first 12 months) when you open a new account and complete the following requirements: 
  • Spend $300+ per month 
• Can also get an additional $10 by opening a goals account. menu > disclosures > other documents > goals account $10 incentive.

The Fine Print

• New Percapita customers who are one of the first 3,200 new customers to open a Percapita Cash Account between April 16, 2025, and April 15, 2026, shall earn a twenty-five-dollar ($25) incentive payment for each calendar month in which they spend three hundred dollars ($300) or more using their Percapita Visa® Debit Card during their first year after account opening.
• To be considered a new Percapita customer and thereby qualify for the incentive payment, you must not have previously opened a Cash Account.
• For purposes of this offer, using your Percapita Visa Debit Card for cash withdrawals at an ATM, cash substitutes (e.g., sports betting, casino chips, money orders, gift cards, prepaid cards, check cashing services) or for money movement (e.g., peer-to-peer transfers or account funding transfers) will not be considered spending or a purchase, and, therefore, will not contribute toward the three hundred dollar ($300) qualifying requirement.
• To qualify for a monthly incentive payment the new Cash Account must have a balance greater than zero and remain open and active throughout the applicable incentive month (which means that the account has been open and has had at least one monetary (non-fee) transaction during the applicable incentive month. If the above eligibility criteria are met, the $25 incentive payment will be credited to the new customer’s Cash Account within ten (10) days of the applicable incentive month-end unless the customer has a Goals Account, then all incentives will be credited to the Goals Account.
• New Cash Account holders will also be eligible to receive an additional one-time incentive payment of $10 when they open a Goals Account within thirty (30) days of opening the Cash Account, which will be paid within ten (10) days of Goals Account opening.
• This one-time $10 incentive payment will be credited to the newly opened Goals Account.
• This promotion is valid from April 16, 2025, through April 16, 2026.
• Percapita reserves the right to revoke or modify this offer at any time, with or without notice. If it is determined that a customer has engaged in or plans to engage in abuse or gaming in connection with this offer, that customer will be prohibited from further participation in the offer and will forfeit all rights to any incentive payments.
• Percapita may report to the IRS the value of any incentive payment made, and any applicable taxes are the responsibility of the recipient.
• Incentive payments are offered and paid by Percapita and not by Sutton Bank.
• All bank account bonuses are treated as income/interest and as such you have to pay taxes on them

Avoiding Fees

Monthly Fees

This account has no monthly fees to worry about. 

Early Account Termination Fee

None, but need to be kept open for 12 months for full bonus. 

Our Verdict

Hard to recommend this when it says the first 3,200 only. Often this is done to create a sense of urgency but that makes it an easy pass for me at least because there is nothing saying the promotion will be pulled if it hits that cap. Because of that we won’t add it to the best bank account bonuses. 

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