Byline Bank Simple Checking $450 Bonus

1. 1

   Open Simple Checking with code WELCOME450

   Open a new Simple Checking account online (open.bylinebank.com with promo code WELCOME450 pre-filled) or in branch with the mailer code, with a minimum $100 to open, between August 4, 2026 and November 30, 2026.

2. 2

   $1,000+ cumulative direct deposits for 3 consecutive cycles

   Make a cumulative total of at least $1,000 in qualifying ACH direct deposits during each of 3 separate, consecutive monthly statement cycles. Tracking starts on the 2nd statement cycle after account opening. Zelle, P2P, wire, teller, and ATM deposits do not qualify.

A $150 cash bonus increment is paid on the last day of each qualifying monthly statement cycle, for up to $450 total. It can take up to 130 days for the full $450 to be paid.

Account Details

Eligibility

Tips & Gotchas

• →The $450 pays out as three separate $150 increments, one per qualifying statement cycle. Missing a cycle only forfeits that cycle's $150, not the whole bonus.
• →Tracking begins on your 2nd statement cycle after account opening, not the first, so the full process can take up to 130 days.
• →Only ACH direct deposits count -- payroll, government benefits, and similar recurring electronic credits. Zelle, other P2P transfers, wires, teller deposits, and ATM deposits do not qualify.
• →Doctor of Credit lists a similar SIMPLE450 promo code with a different 2-cycle/$225 structure. This listing is based on the bank's own live page, which shows WELCOME450 with a 3-cycle/$150 structure -- use the code your mailer or the bank's page shows you.
• →The application goes through a bare account-opening form (open.bylinebank.com), so the promo landing page is your source of truth for the offer terms.

Can You Earn This Bonus Again?

Fine Print

To take advantage of the Simple Checking cash bonus offer, open your account between August 4, 2026 and November 30, 2026 using promo code WELCOME450, and make at least $1,000 in qualifying direct deposits for three consecutive monthly statement cycles (tracking begins on the second monthly statement cycle). Only one promo code accepted per customer; bonus available to original addressee only and not transferable. A $150 cash bonus increment is paid on the last day of each qualifying statement cycle, for a total of up to $450. It can take up to 130 days for the entire possible bonus to be paid. Cash bonus may be reported to the IRS for tax purposes. Offer can be changed or canceled without notice and cannot be combined with any other offer. If your account is in default or closed before you receive the bonus, you will not receive the bonus. Verified live on welcome.bylinebank.com 2026-09-03.

Taxable income

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