[Puerto Rico Only] Oriental Bank $400 Checking Bonus

Offer at a glance

• Maximum bonus amount: $400
• Availability: Puerto Rico only, seems to maybe have been available OOS before that
• Direct deposit required: Yes, $1,500
• Additional requirements: None
• Hard/soft pull: Unknown
• ChexSystems: Unknown
• Credit card funding: Unknown 
• Monthly fees: None
• Early account termination fee: Unknown
• Household limit: None 
• Expiration date: December 31, 2026

The Offer

Direct link to offer

• Oriental Bank is offering a bonus of up to $400 when you open a new Libre account. Bonus you receive is activated after receiving direct deposits for at least three consecutive cycles in your Libre account (must be completed within the first 6 cycles).  
  • Receive a direct deposit of $1,500 to $2,499.99 and get a $200 bonus
  • Receive a direct deposit of $2,500 to $4,999.99 and get a $300 bonus
  • Receive a direct deposit of $5,000 or more and get a $400 bonus

The Fine Print

• The tiered bonus of $200 to $400 applies to individuals who open a Libre Account during the period from April 16, 2026 through December 31, 2026, and who do not maintain individual deposit accounts with Oriental Bank either in the month the account is opened or in the month prior to opening the account.
• To qualify for the bonus, direct deposits corresponding to payroll payments, Social Security or pension/retirement benefits of $1,500.00 or more per cycle must be scheduled and received for three (3) consecutive cycles into the Cuenta Libre after the account is opened and within the established promotional period.
• The customer has up to six (6) cycles from the account opening date to complete the three (3) consecutive qualifying direct deposit cycles.
• The account must be open at the time the bonus is credited.
• The bonus will be credited in the next cycle after the requirements are met and will be determined based on the average total of qualifying direct deposits received during the three (3) consecutive cycles within the promotional period, according to the following direct deposit tiers: $1,500.00-$2,499.99 qualifies for a $200 bonus; $2,500.00-$4,999.99 qualifies for a $300 bonus; $5,000.00 or more qualifies for a $400 bonus. Limit of one bonus per customer, who must be the primary account holder.
• The bonus is not valid with other promotions or offers and may not be combined, accumulated, or used in conjunction with any other bonus or offer.
• 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

I was unable to find a fee schedule so unsure if there is any EATF. 

Our Verdict

Normally we wouldn’t really post Puerto Rico bonuses but this did seem OOS for a bit?

Hat tip to reader snailrock

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