What makes this bank offer different
This is a bank-bonus fit for users who can satisfy a deposit rule quickly; the key comparison point is whether the required deposit type matches your normal cash flow.
Bank
Percapita Checking Bonus — Up to $300
Sign up for Percapita Checking Bonus and earn up to $300 in bonus rewards.
Bonus Tiers
| Deposit | Bonus |
|---|---|
| No minimum deposit | $300 ($25/month for 12 months) |
Hold Period
12 months (must keep account open for full bonus)
Qualifying Period
12 months from account opening
Payout
Monthly within 10 days of month-end
Requirements
- ✓Open new Cash Account between April 16, 2025 and April 15, 2026 (as of update 6/3/26, extended to 12/31/2026)
- ✓Spend $300 or more using Percapita Visa Debit Card each calendar month
- ✓Account must have balance greater than zero
- ✓Account must remain open and active (at least one non-fee transaction per month)
- ✓Open a Percapita Cash Account
- ✓Spend $300 or more per calendar month using the Percapita Visa Debit Card
Restrictions
- ⚠New Percapita customers only
- ⚠First 3,200 new customers (extended through 12/31/2026)
- ⚠Must spend $300+ per calendar month using Percapita Visa Debit Card
- ⚠First 3,200 new customers only
- ⚠New Percapita customers only (no prior Cash Account)
- ⚠Limited time: April 16, 2025 – April 15, 2026
Fees
- $0 monthly account fee
- Direct deposit NOT required
- ATM cash withdrawals, cash substitutes, and peer-to-peer transfers do not count toward $300 spending requirement
- Bonus treated as taxable income
- Additional $10 available by opening a Goals Account
- Incentive payments offered and paid by Percapita, not Sutton Bank
- Bonus is paid monthly ($25/month for 12 months if spending requirement met each month)
- Cash withdrawals, ATM withdrawals, cash substitutes, and money movement transfers do not count as spending
- Account must remain open for 12 months to receive the full $300 bonus
- Maximum 12 monthly payments ($25 × 12 months = $300)
- Taxable as income; Percapita will report to IRS if applicable
Offer expires December 30, 2026
Last updated June 13, 2026
How to evaluate Percapita Checking Bonus
Before opening this account, compare the bonus against direct deposit rules, monthly fees, minimum balance requirements, and any clawback period after payout.
Qualification checklist
Timing
- Qualifying period
- 12 months from account opening
- Payout timeline
- Monthly within 10 days of month-end
- Hold period
- 12 months (must keep account open for full bonus)
How to qualify
- Open new Cash Account between April 16, 2025 and April 15, 2026 (as of update 6/3/26, extended to 12/31/2026)
- Spend $300 or more using Percapita Visa Debit Card each calendar month
- Account must have balance greater than zero
- Account must remain open and active (at least one non-fee transaction per month)
Common pitfalls
- New Percapita customers only
- First 3,200 new customers (extended through 12/31/2026)
- Must spend $300+ per calendar month using Percapita Visa Debit Card
- First 3,200 new customers only
What makes this offer different
Bonus value versus similar offers
The sign-up bonus is below the current nearby $2,250 median, so the requirements and any referral or portal stack matter more.
Requirement clarity
Credolix has extracted 4 requirements for this offer, so compare the bonus against the actual steps rather than the headline payout alone.
Frequently Asked Questions
When does Percapita Checking Bonus expire?
Percapita Checking Bonus expires on December 30, 2026.
How long do I have to qualify for Percapita Checking Bonus?
The qualifying period listed for Percapita Checking Bonus is 12 months from account opening.
When does Percapita Checking Bonus pay out?
The payout timeline listed for Percapita Checking Bonus is Monthly within 10 days of month-end.
How long do I need to keep funds or the account for Percapita Checking Bonus?
The hold period listed for Percapita Checking Bonus is 12 months (must keep account open for full bonus).
