Equity Bank $400 – KS, MO, AR, OK & NE

Update 7/25/26: Bonus is still available with code MATCH

Update 4/4/26: New code BLOOM extends it to 6/30/2026. There is also a $200 bonus that doesn’t require a direct deposit and a student bonus that is $200 + $50 savings. Hat tip to reader Pickle Rick

Offer at a glance

• Maximum bonus amount: $400
• Availability: KS, MO, AR, OK, possibly NE as well as they acquired Frontier Bank. Seems possible in branch but not online?
• Direct deposit required: $1,000+ within 45 days 
• Additional requirements: See below
• Hard/soft pull: Unknown
• ChexSystems: Unknown
• Credit card funding: Can fund up to $2,500 with a credit card
• Monthly fees: None
• Early account termination fee: $25, three months
• Household limit: One
• Expiration date: March 31, 2026

The Offer

Direct link to offer

• Equity Bank is offering a $400 bonus when you complete the following requirements:
  • Open a new Checking and Savings account – Use code MATCH in person or online
  • Receive $1000 in qualifying direct deposits within 45 days of account opening 
  • Activate and use your Equity Bank debit card within 45 days of account opening 

The Fine Print

• Gold Bonus Offers are available for a limited time and may be canceled without notice. Promotion is available from January 1, 2026, to March 31, 2026.
• One Gold offer permitted per household, available for new Frontier Bank and Equity Bank households only, and subject to review and approval.
• A new Frontier Bank and Equity Bank household for the Gold Bonus Offer is defined as applicant(s) not linked as an owner to an open Frontier Bank or Equity Bank consumer checking, savings or Money Market account within the past 180 days.
• The incentive may be paid for opening both a new checking and savings account during the promotion period.
• Incentive amount will be directly deposited into the customer’s qualifying checking account after approximately 45 days of account opening, assuming all qualifications are met.
• To qualify for offer, customer must (1) open and fund both a new checking and savings account no later than March 31, 2026, (2) maintain Frontier Bank or Equity Bank accounts in active and good standing at time of incentive payment,
• (3) receive a minimum of $1000 in combined qualifying direct deposits into the new checking account within 45 days of account opening;
• (4) activate and use Frontier Bank or Equity Bank debit card within 45 days of account opening; an
• (5) When opening accounts online, enter “Gold” under “Enter Promotional Code.”
• If customer opens the accounts at an Equity Bank location, mention “Gold” offer at time of opening.
• Promotion not available to current employees and employee household members of Equity Bancshares, Inc. or its subsidiaries.
• Customer will be issued a 1099-INT form for tax value of the incentive amount.
• Minimum $100 deposits may be required to open Frontier Bank and Equity Bank checking account.

Avoiding Fees

Monthly Fees

Simply free checking has no monthly fee

Early Account Termination Fee

Early Account Closure, Within 3 Months of Opening Account $25.00 

Our Verdict

Previously there was a $200 bonus that didn’t require a direct deposit. Think this is worth doing if eligible, share your experiences in the comments below. 

Hat tip to reader Bockrr

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