Offer Details
Written by: RJ
Requirements
- Open a Total Access Checking – $300
- Direct deposit $500 for two consecutive months after the first calendar month your account is open
- Setup online banking
- Enroll in e-statements
- Open a savings account – $200
- Deposit $15k for three months after the first month the account is open
Eligibility
- IL, FL, IN, MI, WI
- Can’t have had an account within the last 24 months
Fees
- No account fees
Account Closure
- No early closure rules
Valid through 7/31/25

Thoughts
The $15k for the savings account isn’t fun but if you look at this on the whole then it’s likely worth the effort.
How do you get the bonus in Michigan? I tried and tried to enter in a Michigan Zip code and it transfered me to the Macatawa bank which I cannot seem to get the offer to appear for. Any suggestions?
Went in branch and applied, did have to jump through a few hops as I had an OOS ID and the banker had to call support to see if I qualify for the bonus. They had all of my info submitted and I got a dreaded in review screen and the banker needs a bank manager to approve the application. Do we know if they are Chex sensitive? Have a feeling they might be…
Yep 100% denied due to Chex…