Empire State Bank Free Personal Checking — $250
$250
verified today
Open a new Free Personal Checking account with at least $25. Receive at least $2,500 in qualifying direct deposits (salary, pension, Social Security or other regular income via ACH) within 90 days. The $250 bonus is deposited within 90 days of account opening. There is no monthly maintenance fee.
Affiliate link where available — see disclosure below. Always confirm terms on the bank's page.
How to earn it
- 1.Open a new Empire State Bank Free Personal Checking account, ideally at a New York banking center.
- 2.Deposit at least $25 at account opening.
- 3.Receive cumulative qualifying ACH direct deposits of at least $2,500 within 90 days of account opening.(within 90 days of account opening)
The details
Minimum deposit to open$25
Monthly feeNone
Time to complete90 days from account opening
Bonus payout~90 days
Direct depositRequired — $2,500+
ACH counts as DD?Unknown
AvailabilityNY
Eligibility: New Free Personal Checking customers at Empire State Bank, which has branches in New York. Limit one bonus per person. Transfers, mobile deposits, and branch or ATM deposits do not count as direct deposits.
Notes: The headline says to visit a banking center to open, and DoC lists the offer as in-branch only. The terms do not explicitly require branch opening. No end date is published. A MoneysMyLife post dated 2026-10-09 also lists it as current.