Update 8/9/26: Deal is back until 12/31/2026.
Offer at a glance
- Maximum bonus amount: $250
- Availability: MO and KS, in branch only. Branch locations here. KC Metro area only
- Direct deposit required: Yes, no minimum
- Additional requirements: None
- Hard/soft pull: Soft pull
- ChexSystems: Yes
- Credit card funding: None
- Monthly fees: None
- Early account termination fee: $25, 90 days
- Household limit: None listed
- Expiration date: 7/31/26
The Offer
- OMB Bank is offering a $250 bonus when you open a new high interest checking account and complete the following requirements:
- Receive a direct deposit within 90 days (no minimum)
The Fine Print
- ^Offer valid for new OMB Bank checking customers only. To qualify for $250 bonus, customer must open a new OMB High Interest Checking account in person (not available online) between 4/1/26 and 7/31/26, establish and receive at least 1 (one) monthly qualifying direct deposit within the first 90 days following account opening, and maintain the account in good standing ($0.01 minimum balance required) through the 90th day.
- A qualifying direct deposit is an electronic deposit of regular recurring income (such as salary, wages, pension or government benefits) made through the Automated Clearing House (ACH) network.
- Transfers between accounts, mobile deposits, ATM deposits and person-to-person payments do not qualify.
- The $250 bonus will be credited to the qualifying account within 30 (thirty) days after all requirements are met.
- Bonus may be reported as interest to the IRS on Form 1099-INT.
- Account must not be closed or restricted at the time of bonus payment. Limit one bonus per household.
- Offer not available to existing OMB Bank checking customers or those who have closed a checking account within the past 12 (twelve) months.
- Offer cannot be combined with other retail promotions and may be withdrawn at any time. Fees may reduce earnings.
- Other restrictions may apply.
- 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.
Early Account Termination Fee
$25 if closed within 90 days according to fee schedule.
Our Verdict
If anybody goes for this please share your experiences in the comments below, you should be able to ask if they do a hard pull before applying.
Hat tip to reader snailrock
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
“didn’t have many requirements” is such an understatement haha. A single $1 direct deposit would qualify.
In-branch in Kansas City Metro only, which only has one branch now: Prairie Village, KS. Anyone doing this bonus must go that specific location to sign up.
$250 Bonus finally posted today on day 120. It was a long wait but it really didn’t have many requirements so I can’t complain.
And it does seem that if not 120 days, pretty close to it!
I am not concerned, just curious if anyone who actually opened before me got the bonus- wasn’t sure if they really make you wait the full 120 days since I am almost there. I don’t see any reason why I wouldn’t qualify for it- and I know the way it was worded it seems only one DD was needed, but I didn’t have a compelling reason to change DD right now. Most of the bonus I am and was working has DP for triggering via business accounts and so I didn’t have to make any changes for a few months.
terms say that only one DD is needed. I did a single $50 real DD and called it good. My 120th day isn’t for a couple more months so I cannot provide any type of confirmatory DP. Bonus should be paid within 30 days of meeting qualifications (which includes account being in good standing for 90 days). if you don’t get the bonus by Aug 20th (121st day) then you may have an issue. i wouldn’t be worried just yet.
Curious if anyone has received the bonus yet, I think I may have been one of the earliest people to open this account, but I may be wrong. I opened back on 4/21 in branch and obviously day 90 came and gone on 7/19. I am getting very close to day 120 which is on 8/18 if I counted my days correctly, and haven’t seen the bonus yet. I am using real employer payroll DD and have kept it active (deposit only $100/pay period) since I enrolled the account.
neither.
William Charles emailed you the full terms and photo in case that is helpful for readers.
Offer has been extended to 12/31/2026. Opened in branch and no hard pull. William Charles , please update the post. Thanks,
Bank denied me in June but when I asked about it I was told they weren’t sure why and suggested I reapply. Forgot about it for a while, then went in branch yesterday to open account. I think they’re mildly sensitive to Chex since the rep said “looks like you’ve opened a few accounts recently” and wanted to know why. Told her I was looking for a new bank (to pay me bonuses of course). No credit pull since mine’s frozen and they didn’t ask about it. To earn the interest on this account (a mediocre 2.01%) requires 12 debits, one direct deposit/ACH each month.
They do pull Chex.
Hi Curmudgeon , have you had a chance to see if they pull chex? or did you have it frozen? Thanks!
do they pull chex? HP?
Requires selfie pic to open account Funding options: ACH from other bank, no credit card funding Four checking account options: 1. High interest checking: Earns 2.01% on balance up to 25,000 2. Rewards: Get 5% on debit purchases, max $10 rewards/month 3. Stock Rewards: Get 5% on debit purchases towards fractional shares of stock, max $5/month 4. Classic: no frills, no fees All but Classic have minimum $25 opening amount. Classic is $100 minimum.
Added
Hard pull ? Credit card funding?
Some data points since they are scarce, I opened this back in Apri and my Chex is pretty terrible but it didn’t seem to be an issue.
This offer is only for the KC Metro Area so like the Springfield, MO branches won’t be able to do it William Charles