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 + $25
Apply to Percapita Checking Bonus and earn up to $325 in combined sign-up and referral bonuses.
Qualifying Period
12 months
Payout
Within 10 days of each qualifying month-end
Requirements
- ✓Spend $300+ per month using Percapita Visa Debit Card
- ✓Account must be active each month (at least one monetary non-fee transaction)
- ✓Additional $10 bonus for opening a Goals account within 30 days
- ✓Open a new Percapita Cash Account
- ✓Spend at least $300 per month using Percapita Visa Debit Card
- ✓Maintain account balance greater than $0
- ✓Account must remain open and active (at least one non-fee transaction per month)
- ✓No direct deposit required
- ✓Open a Percapita Cash Account
- ✓Spend $300+ per month on Percapita Visa Debit Card
- ✓Account balance must remain >$0
- ✓At least one monetary (non-fee) transaction per month
- ✓Must complete all 12 months of the promotion
- ✓Cash withdrawals, cash substitutes (sports betting, casino chips, money orders, gift cards), and peer-to-peer transfers do not count toward spending requirement
- ✓Open a Goals account within 30 days for additional $10 bonus
- ✓Spend $300+ using Percapita Visa Debit Card in each calendar month during first 12 months
- ✓Account must have at least one monetary (non-fee) transaction per month
- ✓Optional: Open Goals Account within 30 days for additional $10 bonus
- ✓Spend $300+ per month on Percapita Visa Debit Card for 12 consecutive months
- ✓Account balance must remain greater than zero throughout
- ✓Account must be open and active (at least one non-fee monetary transaction per month)
- ✓Open Goals account within 30 days for additional $10 bonus
- ✓Spend $300+ per month using Percapita Visa Debit Card for 12 consecutive months
- ✓Account must have balance > $0 and remain open and active each incentive month
- ✓Prohibited transactions: ATM withdrawals, cash substitutes, peer-to-peer transfers, account funding transfers
- ✓Maintain active account (open and transacting monthly) for 12 consecutive months
- ✓Optional: Open a Goals Account within 30 days for additional $10 bonus
- ✓Spend $300 or more per month using Percapita Visa Debit Card
- ✓Account balance must remain > $0
- ✓Account must remain open and active (at least one monetary non-fee transaction per month)
- ✓Earn $25 for each qualifying month for 12 consecutive months
- ✓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
- ✓Spend $300 or more per calendar month using the Percapita Visa Debit Card
Restrictions
- ⚠New customers only
- ⚠Limited to first 7,000 customers
- ⚠Account must remain open with balance > $0 throughout
- ⚠New Percapita customers only
- ⚠US residents
- ⚠Must spend $300+ on debit card each calendar month
- ⚠One per household (implied)
- ⚠First 7,000 customers
- ⚠US residents only
- ⚠Account must remain open and active with balance > $0 throughout earning period
- ⚠At least one monetary (non-fee) transaction required each month to be considered active
- ⚠New Percapita customers only (must not have previously opened a Cash Account)
- ⚠Account must have balance > $0 and remain active throughout each incentive month
- ⚠Cannot have previously opened a Cash Account
- ⚠Must not have previously opened a Cash Account
- ⚠New Percapita customers only (no prior Cash Account)
- ⚠First 7,000 customers (capacity-limited)
- ⚠Account must have balance > $0 and at least one monetary transaction per month
- ⚠No previous Percapita Cash Account holders
Fees
- $0 monthly account fee
- No monthly account fees
- No overdraft penalties
- $0 account fee
- Cash withdrawals, cash substitutes (sports betting, casino chips, money orders, gift cards, prepaid cards, check cashing), and money movement (peer-to-peer transfers, account funding) do not count toward the $300 spending requirement
- Incentive payments of $25 are credited within 10 days of applicable month-end
- This is a drip bonus earned monthly over 12 months, not a lump-sum offer
- Bonus is paid as $25/month for up to 12 qualifying months (total up to $300)
- Additional $10 bonus available for opening a Goals account within 30 days
- Cash withdrawals, ATM withdrawals, cash substitutes, and money movement transfers do not count toward spending requirement
- Account must remain open throughout the applicable incentive month to qualify for that month's payment
- Percapita reserves the right to revoke or modify offer at any time with or without notice
- Cash withdrawals, ATM transactions, money movement (peer-to-peer transfers), and cash substitutes do not count toward the $300 spend requirement
- Bonus is only paid if account remains open and active (has had at least one transaction) during the applicable month
- Bonus earned as $25/month for 12 consecutive months, not a lump sum
- No direct deposit required
- Percapita is fintech; accounts held at Sutton Bank (Member FDIC)
- Accounts eligible for FDIC insurance up to $250,000
- Cash withdrawals at ATM, cash substitutes (sports betting, casino chips, money orders, gift cards, prepaid cards, check cashing), and money movement (peer-to-peer transfers, account funding transfers) do NOT count toward spending requirement
- If customer has Goals Account, all incentive payments will be credited there instead
- Incentive payments are offered by Percapita, not by Sutton Bank
- Bonus is taxable income
- Percapita reserves right to revoke or modify offer at any time
- Customers engaging in abuse or gaming of offer will be prohibited and forfeit payments
- Direct deposit is NOT required
- Cash withdrawals, ATM transactions, sports betting, casino chips, money orders, gift cards, prepaid cards, check cashing, peer-to-peer transfers, and account funding transfers do not count toward the $300 monthly spending requirement
Total potential bonus
$325
$300 (sign-up) + $25 (referral) = $325 total
Offer expires December 30, 2026
Last updated September 10, 2026
Saved source PDFs
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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
- Payout timeline
- Within 10 days of each qualifying month-end
How to qualify
- Spend $300+ per month using Percapita Visa Debit Card
- Account must be active each month (at least one monetary non-fee transaction)
- Additional $10 bonus for opening a Goals account within 30 days
- Open a new Percapita Cash Account
Common pitfalls
- New customers only
- Limited to first 7,000 customers
- Account must remain open with balance > $0 throughout
- New Percapita customers only
What makes this offer different
Bonus value versus similar offers
The sign-up bonus is below the current nearby $1,500 median, so the requirements and any referral or portal stack matter more.
Stacking potential
The tracked value can include $300 sign-up bonus, $25 referral share for a total displayed potential of $325. Confirm which apply path you use before assuming every component stacks.
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.
