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 |
|---|---|
| N/A | $300 total ($25/month for 12 months with $300+ monthly debit spend) |
Hold Period
Through month 12 (account must remain open for 12 months)
Qualifying Period
12 months (earn $25 per calendar month for 12 consecutive months, spending $300+ per month)
Payout
Monthly (within ~30 days per month)
Requirements
- ✓Open a new Percapita Cash Account
- ✓Spend $300+ per month using Percapita Visa Debit Card for 12 consecutive months
- ✓Keep account balance above $0
- ✓Account must remain open and active (at least one monetary non-fee transaction per month)
- ✓Optional: Open Goals account within 30 days for additional $10 bonus
- ✓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
- ✓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
Restrictions
- ⚠New customers only (must not have previously opened a Percapita Cash Account)
- ⚠First 7,000 customers
- ⚠Limited time through 12/31/2026
- ⚠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)
- ⚠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
Fees
- No monthly account fees
- $0 monthly account fee
- No overdraft penalties
- $0 account fee
- Bonus is paid as $25/month, not a lump sum
- Cash withdrawals, ATM withdrawals, money movement (peer-to-peer transfers, account funding), and cash substitutes (sports betting, casino chips, money orders, gift cards, prepaid cards, check cashing) do NOT count toward $300 monthly spend requirement
- Direct deposit is NOT required
- Offer originally opened April 16, 2025 - April 15, 2026 to first 3,200 customers; extended June 3, 2026 through 12/31/2026 to first 7,000 customers
- 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
Total potential bonus
$325
$300 (sign-up) + $25 (referral) = $325 total
Offer expires December 30, 2026
Last updated October 11, 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 (earn $25 per calendar month for 12 consecutive months, spending $300+ per month)
- Payout timeline
- Monthly (within ~30 days per month)
- Hold period
- Through month 12 (account must remain open for 12 months)
How to qualify
- Open a new Percapita Cash Account
- Spend $300+ per month using Percapita Visa Debit Card for 12 consecutive months
- Keep account balance above $0
- Account must remain open and active (at least one monetary non-fee transaction per month)
Common pitfalls
- New customers only (must not have previously opened a Percapita Cash Account)
- First 7,000 customers
- Limited time through 12/31/2026
- 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.
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.
