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Bank of New Hampshire

Bank of New Hampshire Granite Checking $100 Bonus

Bank of New Hampshire pays you $100 for a new Granite Checking account. Within 90 days, make $2,000 in debit card purchases, enroll in and use Bill Pay, receive a direct deposit, and make one mobile check deposit. $10/mo fee, waived by combining two of: 15+ debit transactions, a direct deposit, an ACH payment, or a $5,000 balance. New England residents only (ME/VT/NH/MA/CT/RI) for online opening.

Bonus amount
$100
Time to complete
~90 days
Bonus deposited in
~100 days
Difficulty
Medium
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Requirements

Last verified: Aug 22, 2026

  1. Open a Granite Checking account

    Open a new Bank of New Hampshire Granite Checking account online (ME/VT/NH/MA/CT/RI residents only) or in a NH branch, with a $50 minimum opening deposit.

  2. Make $2,000 in debit card purchases

    Make at least $2,000 total in debit card purchases (excluding ATM transactions) within 90 days of account opening.

  3. Enroll in and use Bill Pay

    Enroll in and use the Bill Pay feature within 90 days of account opening.

  4. Receive a direct deposit

    Receive a direct deposit from payroll, Social Security, pension, or government benefits within 90 days of account opening. Person-to-person transfers and self-transfers do not qualify.

  5. Make a BeMobile check deposit

    Make at least one BeMobile (mobile check) deposit within 90 days of account opening.

The $100 bonus pays in the account cycle following the 90-day mark from account opening, roughly month 4.

Account Details

Monthly fee$10/month
Fee waiver
  • Any TWO of the following in a statement cycle: 15+ debit card transactions (excludes ATM, must post and clear), direct deposit, automatic BNH loan payment, electronic (ACH) account payment, or a $5,000+ average daily balance.
Opening deposit$50
APY0.01% (as of Aug 22, 2026)
Min. hold periodNo minimum

No stated minimum hold period beyond keeping a positive daily balance in the account until the bonus posts, which happens in the statement cycle following the 90-day mark.

Credit inquiryThe bank does not publish this. Ask before you apply.
ChexSystemsThe bank does not publish whether it screens banking history. Ask before you apply.
AvailabilitySelect states (ME, VT, NH, MA, CT, RI)

Eligibility

Minimum age+
Existing customersNot eligible

Framed as a new-account bonus program; product-conversion accounts (existing account number carried over) are explicitly excluded from the bonus.

Other restrictions
  • Online account opening is restricted to residents of ME, VT, NH, MA, CT, and RI per bnh.bank's own account-opening page.
  • BNH's branch network is concentrated in New Hampshire, so in-branch opening is not a realistic path for residents of the other five eligible states.
  • Granite Checking is one of three BNH checking tiers (Slate $75, Granite $100, Prestige $150) under the same '90-Day Countdown to Cash' program; Granite is the best payout-per-effort tier and the one this listing tracks.

Tips & Gotchas

  • →This is a four-legged bonus, not a simple direct-deposit-and-done offer: you need the debit spend, Bill Pay enrollment, a direct deposit, and a mobile check deposit, all within 90 days.
  • →Keep a positive daily balance in the account until the bonus posts, or you lose eligibility.
  • →Accounts opened via a product conversion (same account number carried over from another BNH account) do not qualify.
  • →Bank of New Hampshire also offers Slate Checking ($75, lighter requirements) and Prestige Checking ($150, needs $25,000 in combined balances to waive its fee) under the same evergreen program. Granite is the best payout-per-effort of the three.
  • →Online account opening is limited to ME, VT, NH, MA, CT, and RI residents. BNH's branches are all in New Hampshire.

Can You Earn This Bonus Again?

Can rechurnNo
NotesNo stated rechurn cooldown. Accounts opened via a product conversion (same account number carried over from another BNH account) do not qualify for the bonus.

Fine Print

Account bonus of $100 will be paid in the account cycle following the 90 days from account opening, only if the bonus requirements are met. Debit card spend excludes ATM transactions. Direct deposit must be from payroll, Social Security, pension, or government benefits to qualify. You must maintain a positive daily balance in the checking account until the bonus is deposited to your account to be eligible. Offer is exclusive and not transferable. Minimum deposit to open the account is $50. Accounts that are part of product conversions do not qualify for the bonus, as the account number remains the same following the conversion. Cash rewards are reported to the IRS on Form 1099-MISC.

Taxable income · Reported on 1099-MISC

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