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.
Bonus Tiers
| Deposit | Bonus |
|---|---|
| $0 (spend-based) | $25/month for 12 months ($300 total) + $10 for Goals account |
Qualifying Period
12 months (one $25 payment per calendar month with $300+ debit spend)
Payout
Within 10 days of applicable incentive month-end
Requirements
- ✓Spend $300+ per month using Percapita Visa Debit Card
- ✓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
- ✓At least one monetary (non-fee) transaction per month
- ✓Prohibited transactions: ATM withdrawals, cash substitutes, peer-to-peer transfers, account funding transfers
- ✓Open a Percapita Cash Account
Restrictions
- ⚠New Percapita customers only
- ⚠Limited to first 7,000 customers
- ⚠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)
- ⚠US residents
- ⚠Account must have balance > $0 and remain active throughout each incentive month
- ⚠US residents only
- ⚠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
- ⚠New customers only
- ⚠No previous Percapita Cash Account holders
- ⚠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
- ⚠Limited time: April 16, 2025 – April 15, 2026
Fees
- $0 monthly account fee
- $0 account fee
- 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
- Incentive payments are offered and paid by Percapita, not by Sutton Bank (the underlying banking partner)
- All bank account bonuses are treated as taxable income
- Bonus is earned as $25/month for 12 months (total $300)
- Additional $10 bonus available for opening a Goals Account within 30 days
- Account must be maintained for 12 months to receive full bonus
- ATM cash withdrawals, cash substitutes, and money transfers do not count toward $300 spending requirement
- Percapita reserves right to revoke or modify offer without notice
- Gaming or abuse of offer will result in forfeiture
- Optional: Open a Goals account within 30 days to earn additional $10
- Cash withdrawals, cash substitutes (ATM withdrawals, gift cards, prepaid cards, money orders, check cashing), and money movement transactions do not count toward the $300 spend requirement
- Original offer was April 16, 2025 - April 15, 2026 for first 3,200 customers; extended to 12/31/2026 for first 7,000 customers as of June 3, 2026
- Direct deposit NOT required
Total potential bonus
$325
$300 (sign-up) + $25 (referral) = $325 total
Offer expires December 30, 2026
Last updated July 26, 2026
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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 (one $25 payment per calendar month with $300+ debit spend)
- Payout timeline
- Within 10 days of applicable incentive month-end
How to qualify
- Spend $300+ per month using Percapita Visa Debit Card
- 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
Common pitfalls
- New Percapita customers only
- Limited to first 7,000 customers
- 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
What makes this offer different
Bonus value versus similar offers
The sign-up bonus is below the current nearby $2,000 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.
