[MA]麻州checking bonus聚合
麻州银行Checking账户开户奖励聚合更新，新增用户分享开户DP及银行政策变动。
1. 关键信息
- (之前已归纳) 帖子汇总了麻州多家银行的Checking账户开户奖励，包括Florence Bank ($400), Cambridge Savings Bank ($300), SalemFive ($500), Dedham Savings (最高$750), Country Bank ($400), Berkshire Bank ($300), Stoneham Bank ($300), Washington Trust ($225), Rockland Trust ($250), Cape Cod 5 ($300), BankHometown ($300), North Shore Bank ($335), BankESB ($300)。
- (之前已归纳) 部分银行如Country Bank, Berkshire Bank, Peoples Bank, M&T Bank, Fidelity Bank, Santander Bank, Citizens Bank, TD Bank, Eastern Bank等也曾或正在提供Checking/Savings账户奖励。
- (之前已归纳) 许多银行的开户奖励有Direct Deposit (DD) 或其他交易要求。
- (之前已归纳) 申请过程中Chex系统敏感性是普遍遇到的问题，导致部分用户被拒。
- (之前已归纳) 有用户分享了在Florence Bank, Berkshire Bank, M&T Bank, Fidelity Bank, Peoples Bank等银行的开户和奖励获取经历。
- (之前已归纳) Bank ESB有用户被无故关户。
- 新增：用户SkylerY在2026年3月26日的回复中，并未提供新的银行开户奖励信息或DP，仅作为论坛内容总结助手的指令出现。
2. 羊毛/优惠信息
- (之前已归纳) Florence Bank: $400 奖励, $1500 DD in 90 days, 可CC fund $500。
- (之前已归纳) Cambridge Savings Bank: $300 奖励, $1000 monthly DD for 3 consecutive months, 9/30/2025截止。
- (之前已归纳) SalemFive: $500 奖励, $2000 DD in 90 days, 10/13/2025截止。
- (之前已归纳) Dedham Savings: 最高$750 奖励, 根据存款金额递增 ($2500/$10000/$20000 in 90 days)。
- (之前已归纳) Country Bank: $400 奖励, 12 debit transaction + 1DD/ACH pay + eStatement every month for 4 months, 可CC fund $2000。
- (之前已归纳) Berkshire Bank: $300 奖励, $1000 monthly DD for 3 consecutive months, 有推荐奖励$100，提供每月$15流媒体积分。
- (之前已归纳) Stoneham Bank: $300 奖励, $500 monthly DD within 90 days, 可CC fund $2500。
- (之前已归纳) Washington Trust: $225 奖励, 2 DD within 90 days, $200 cash + $25 donation。
- (之前已归纳) Rockland Trust: $250 奖励, 15 Debit card purchases $10+ each, 仅限特定地区居民, 9/30/2025截止。
- (之前已归纳) Cape Cod 5: $300 奖励, $1000 DD within 90 days + 10 debit card transaction, 11/01/2025截止。
- (之前已归纳) BankHometown: $300 奖励, 分两部分，第一部分$1000 DD in 90 days，第二部分在第12个月。
- (之前已归纳) North Shore Bank: $335 奖励, 结构复杂，分阶段获取。
- (之前已归纳) BankESB: $300 奖励, 分两部分，与BankHometown类似。
- (之前已归纳) Peoples Bank: $350 奖励, $1500 DD。
- (之前已归纳) M&T Bank: $400 + $50 奖励, 8月底截止。
- (之前已归纳) Fidelity Bank: 曾提供$300 Checking Bonus + Fitbit Luxe手环。
- (之前已归纳) Santander Bank: 曾提供$400 Checking奖励。
- (之前已归纳) Citizens Bank: 曾提供$400+$500 Checking/Savings奖励。
- (之前已归纳) TD Bank: 曾提供$400 Checking + $1600 Savings奖励。
- (之前已归纳) Eastern Bank: 曾提供最高$750 Checking/Savings奖励。
- (之前已归纳) UniBank: 曾提供$750 Checking奖励，可CC funding $3000。
- (之前已归纳) Trustco Bank: 曾提供$250 + Ring Doorbell Checking奖励。
- 无
3. 最新动态
- (之前已归纳) Country Bank的$400 Checking Bonus已重新上线。
- (之前已归纳) 帖子中的一些优惠可能已过期，具体以银行官网为准。
- (之前已归纳) 用户反馈，转账时可能遇到账户被锁问题，需要联系客服解锁。
- 无
4. 争议或不同意见
- (之前已归纳) Chex sensitive是普遍现象，导致部分用户被拒。
- (之前已归纳) 线下开户不一定能绕过Chex系统的限制。
- (之前已归纳) Bank ESB有用户反馈被无故关户。
- (之前已归纳) Berkshire Bank的DD要求比较特殊，需要通过其在线平台完成。
- (之前已归纳) 部分银行对非美国公民有身份要求。
- 无明显争议
5. 行动建议
- (之前已归纳) 开户前仔细阅读银行的优惠条款，特别是DD要求和截止日期。
- (之前已归纳) 关注Chex系统敏感性，尝试不同银行或开户方式（线上/线下）。
- (之前已归纳) 遇到账户被锁等问题，及时联系银行客服解决。
- (之前已归纳) 对于有地区限制的银行，需确认自己是否符合居住要求。
- (之前已归纳) 留意各银行的推荐计划，可能获得额外奖励。
小银行
Bank
Bonus
Requirement
Link
Note
Florence Bank
$400
$1500 DD in 90 days
link
Use code 400 CC fund 500 website says valid as of March 2025. I personally opened in late March and got the bonus in July. They do have a refer program offering an extra 25 for both parties.
Cambridge Savings Bank
$300
$1000 monthly DD for 3 consecutive month
Link
Expires in 9/30/2025 Open simple checking for 0 monthly fee CC fund 1000 see [MA] Cambridge Saving Bank $300 bonus
SalemFive
$500
$2000 DD in 90 days
Link
Use code 2025SEP500 Expires 10/13/2025 No monthly fee
Dedham Savings
up to 750$
$2500/$10000/$20000 in 90 days
Link
Bonus increase in $250 increment. Requires 5 debit transaction or bill pay totaling $100.
Country Bank
$400
12 debit transaction + 1DD/ACH pay + eStatement every month for 4 months
Link
Open Kasasa Cash Back Checking. Might need call to confirm the offer. The link shows offer for this specific branch. CC fund $2000 see [MA, NH, ME, RI, CT, VT] Country Bank $400 Checking Bonus
Berkshire Bank
$300
$1000 monthly DD for 3 consecutive month
Link
They do have a refer program which get both parties $100 on top of the bonus. Also offers $15 per month streaming credit. see [MA, NY, CT, RI, or VT] Berkshire Bank $300 Checking Bonus
Stoneham Bank
$300
$500 monthly DD within 90 days
Link
Optimum One checking requires 500 monthly DD to avoid fee. I suspect the 500 DD requirement means $500 monthly for three months. Might as well keep the DD going to avoid fees. CC fund $2500 see 银行账户三部曲之二：CC Fund-送福利了，能CC funding的银行或credit union的账户 - #1998，来自 blue_sky
Washington Trust
$225
2 DD within 90 days $200 cash + $25 donation to charity of choice
Link
Use code WT225 They do have a referral program but only benefits the existing acct holder and the no donation will be made. This is mostly a RI bank lol.
Rockland Trust
$250
15 Debit card purchases $10+ each
Link
Apparently no DD required. Unfortunately only resident of Berlin, Hudson, Marlborough, Northborough, Southborough, or Westborough will qualify. Expires 9/30/2025
Cape Cod 5
$300
$1000 DD within 90 days + 10 debit card transaction
Link
Use code NEWCHK300. Expires 11/01/2025.
BankHometown
$300
$1000 DD in the first 90 days for the first half and recurring DD in the 12th month for the second half
Link
Read the fine print for the second half of the bonus!
North Shore Bank
$335
Open the account for $10 and $25 in GC, $25 DD in the first 60 days for $200 and eStatment for $50, then at 356th day will get $50
Link
Very annoying bonus structure. In branch or video banking only.
BankESB
$300
$1000 DD in the first 90 days for the first half and recurring DD in the 12th month for the second half
Link
Read the fine print for the second half of the bonus!
BankESB BankHometown North Shore/Abington Bank are essentially the same bank lol.
目前没有Bonus的小银行
有些银行曾经有过bonus 这些会持续追踪
HarborOne
【引用自 未知】:
【MA/RI/NH】HarborOne银行$600开户礼，可CC funding（需branch） 银行账户
今天去吃饭的时候看到的银行海报 他们家的11个月CD 5.25%，网上查了下还有开户礼。。
不过条件比较苛刻，需要每个月存至少2500的DD，连续三个月。
之后可以存个CD，10k以上又能拿300
**To receive the $300 Checking bonus:
Primary tax owner must register for the bonus within 30 d…
Fidelity Bank 这家曾经还送AirPods
【引用自 未知】:
有朋友开过Fidelity Bank吗？$300 Checking Bonus 玩卡
Fidelity Investments和Fidelity Bank是一个公司？还是什么关系？已有Fidelity Investments （相信大多数潭友都是有这个，平时说的fidelity也是这个）还能再享受这个开户奖励吗？
dd$1,000给300，还送个Fitbit Luxe手环。看起来不错
Promo Code “Checking Bonus”
相关条款（感谢潭友）：
60…
Peoples Bank 现在有了
【引用自 未知】:
[MA]麻州checking bonus聚合 银行账户
Peoples bank现在有350 DD1500
Eastern Bank
Doctor Of Credit – 19 Oct 25
[Expired][MA, NH, ME, RI] Eastern Bank $750 Checking/Savings Bonus
Eastern Bank is offering a bonus of up to $750…
交罚单和property tax的UniBank
【引用自 未知】:
[MA] UniBank $750 Checking Bonus 银行账户
可以CC funding $3000。
Thurstco
Doctor Of Credit – 30 May 25
[Expired] [FL, MA, NJ, NY, VT] Trustco Bank $250 + Ring Doorbell Checking Bonus
Trustco Bank is offering $250 + a stanley cup checking bonus when you open a Home Town Free Checking account and complete the following requirements…
长期有Bonus的区域性大银行
然后是区域性银行，这些泥潭讨论很多了
【引用自 未知】:
收到了一个key bank checking offer，看上去还不错？ 银行账户
[1000006100]
可以冲不？
【引用自 未知】:
Santander checking 400奖励5K DD 银行账户
[Screenshot 2023-09-15 at 10.51.19 AM]
如图 链接: In-Branch Checking Account Offer | Santander Bank - Santander
【引用自 未知】:
Citizens Bank $400+$500 bonus 银行账户
比起隔壁的mailer offer要求高。对没有mailer offer的可以用这个public offer。
[IMG_3129]
[IMG_3128]
https://www.citizensbank.com/promo/checking/special-offer-2024-b2.aspx
【引用自 未知】:
[8月底截止/渣行预警] M&T Bank $400 + $50 [CT, DC, DE, MA, MD, ME, NH, NJ, NY, PA, VA, VT, WV] 银行账户
[image]
Offer又活了 8月底截止，$400到账极速 (promo code: TJ)
https://campaigns.mtb.com/400premiumbonus
应该可以叠$50 referral bonus (mail in 4-6 weeks as visa GC)
有潭友一天就到了@ Clark
[image]
[image]
[image]
要求…
【引用自 未知】:
TD Bank checking + saving $2000 bonus 银行账户
官方链接
offer 8月15日截止
$400 checking bonus：
需在前 60 天内完成 $2,500 dd。
$1,600 saving bonus：
在开户后 20 天内存入 $200,000 或以上的新资金，并保持该余额至少 90 天，可获得 $1,600。
也有较低门槛的奖励等级：
存入 $100,000 可得 $1,000
存入 $50,000 可得 $600
存…
欢迎DP和更多线索
可惜大部分都是chex sensitive，好多都rej了
【引用自 AZbuddy】:
Florence Bank
MA Hampshire, Franklin, Hampden, Berkshire, or Worcester
【引用自 AZbuddy】:
SalemFive
You must be a U.S. citizen or permanent resident alien with a Green Card.
【引用自 AZbuddy】:
Dedham Savings
You must be a U.S. Citizen to open an account online. Non-U.S. Citizens should visit your nearest branch location to open an account.
【引用自 AZbuddy】:
Country Bank
好像过期了？没找到 get400 的 link，除了 A Different Kind of Banking in Longmeadow - Country Bank- Made To Make A Difference 有一个仅限 Longmeadow 的 link，不知道不在这个城市的能不能开；点进 apply 之后也没有 offer code
【引用自 AZbuddy】:
Stoneham Bank
这个好像可以，但是我住公寓，他认为我不是 residential address 不让我开
【引用自 AZbuddy】:
Berkshire Bank
这个在线开成功了，不过没有 CC Fund 的选项了（虽然根据楼里 DP CC Fund 也很容易翻车就是了）。而且看 fineprint 里面有一个奇怪的说明：
the Berkshire One Checking Client must successfully complete their Direct Deposit switch through Berkshire Bank’s online banking platform or Mobile app Direct Deposit tool by December 31, 2025. Direct deposits set up in branch or directly with the payroll provider outside of the Berkshire Bank online banking platform or mobile app will not qualify for this offer.
我们是用 ADP 发工资，但是有个专门的 portal 调整比例，而不能通过 ADP 调整。我在这里可以登录进入 ADP、输入想要的比例，不过最后一步会报错。不知道银行能不能知道报错了这件事，暂且蒙在鼓里。
【引用自 AZbuddy】:
Florence Bank
因为村里有branch就直接去branch开了，因为Chex上有好多银行的记录被拷问 ，大家就不用尝试去branches了
兄弟也是umass的？
【引用自 diamond_duke】:
You must be a U.S. citizen or permanent resident alien with a Green Card.
确实Online application会要求上传green card 开不了开不了
求问哪些chex sensitive
同问，另外是不是去线下可以破？（我BoA网上开户被拒，说customer report记录显示名下checking账户太多，去线下开就解决了）
不完全统计不需要pr的都比较sensitive，还有esb这种甚至还会开了当天给你关户
ymmv，有的线下去了也给我拒了，说我开户太多，可能不那么多的能过
Peoples bank现在有350 DD1500
PeoplesBank
$350 Checking Offer | PeoplesBank
Get $350 when you open a new checking account and qualify. Enroll online or in person.
住在指定的county但是拒了
Sorry, we were unable to set up your PeoplesBank account.
我线上丝滑开户 你跑branch试试呢
【引用自 AZbuddy】:
$350 Checking Offer | PeoplesBank
看起来不能churn： Customers who have received promotional payouts previously are not eligible. Cannot be combined with any other offer.
有人开Florence吗？Doc最新的DP是2022年的
年初刚开了
请问你用什么做fake dd？bonus给得快吗？谢谢
报个DP
11.13 刚去村里的M&T开了，banker很专业给签了W8EN，并表示第一次转账一定会锁账户 需要打电话解锁
11.13 想在Fidelity添加external account，登录验证失败，只能小额验证
11.14 小额验证完成 没锁账户
11.15 Fidelity push $1000
11.17 M&T 收到
11.19 350到账
太离谱了，转账被锁了账户，然后打 fraud department，hold 了 50 分钟终于等到了真人，要求我验证 debit card 卡号 不过从别的银行 pull 用来还信用卡不用解锁，所以至今也没有再次打电话去解锁
我真dd 三个月发钱
不过我不确定现在还有没有bonus 开之前do your own due diligence
我开了一年多至今无法转账 只能还信用卡
谢谢，什么时候有空了去开一下
我开完才发现不住在指定county，还能拿么
赞一下！！
不知道啊 这家给钱超快 开户后一个月就给了 应该是一达标过几天就给钱
你是住在指定county吗？
我必然是住在指定county的
那我薅不了了 最近还有什么ma的checking可以开吗
试试Santander？
刚被 Bank ESB 关户的人来了，差点就直接改 DD 了，结果昨天开的户今天登上去一看 Closed 问了客服也不说是什么原因
I was able to confirm that the system we use for credit checks pulls info from all credit reporting websites and you can check the report directly with any of those. The application was denied not necessarily based on negative information but could have been denied based on the volume of information.
也不给交资料重开
这家的特色
頂一下 老爺不讓老娘出門浪 老娘就只能在傢擼銀行了
Doctor Of Credit – 24 Mar 26
[MA, NH, ME, RI, CT, VT] Country Bank $400 Checking Bonus, Direct Deposit...
Country Bank is offering a $200 bonus when you open a new checking account and complete the following requirements…
looks like alive again, what counts as 12 debit card purchases?
买香蕉zs