Canandaigua National Bank
Canandaigua National Bank e-ssentials or Optimum Checking $300 Bonus
Canandaigua National Bank pays $300 when you open a new e-ssentials or Optimum Checking account online with offer code 300SWITCH, enroll in e-statements within 30 days, and make one direct deposit and five debit card purchases in days 31-60 and again in days 61-90. No minimum direct deposit amount is stated. New York bank.
- Bonus amount
- $300
- Expires
- Not listed
- Time to complete
- ~90 days
- Paid after opening
- ~150 days
- Difficulty
- Medium
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Requirements
Last verified: Nov 11, 2026
Open checking online with code 300SWITCH
Open a new e-ssentials or Optimum Checking account online using offer code 300SWITCH. Converted existing checking accounts do not qualify. Canandaigua National Bank's branches are all in New York (Rochester, Finger Lakes and Syracuse), and its online application does not show whether it accepts applicants from other states.
Enroll in e-statements within 30 days
Enroll in e-statements within the first 30 days after opening.
One direct deposit in days 31-60 and in days 61-90
Initiate one direct deposit during days 31-60 and another during days 61-90 after opening. The bank's page states no minimum amount.
5 debit card purchases in days 31-60 and in days 61-90
Make five POS Debit Mastercard purchases during days 31-60 and five more during days 61-90 after opening.
The bank credits $300 within 60 days of meeting all requirements, which run through day 90.
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Account Details
- e-ssentials Checking: no monthly maintenance fee with direct deposit AND e-statements (bank's offer page). Doctor of Credit lists the fee as $0 with both, $3 with one, $8 with neither.
- Optimum Checking: no monthly maintenance fee with a combined deposit and loan or investment relationship, or a Freddie Mac mortgage minimum outstanding balance.
Doctor of Credit reports a $35 fee if the account is closed within six months. The bank's offer page does not state it.
Eligibility
New Optimum or e-ssentials checking accounts only. Accounts that come from converting an existing checking account do not qualify.
- The bonus requires opening the account online with offer code 300SWITCH. The online application asks for an email address before it shows any eligibility text, so whether it accepts applicants outside New York is unconfirmed. All branches are in the Rochester, Finger Lakes and Syracuse areas of New York.
Tips & Gotchas
- Timing matters: the direct deposit and the five debit purchases must land in days 31-60 AND again in days 61-90. Activity in the first 30 days does not count toward either window.
- The bank's page states no minimum direct deposit amount.
- e-ssentials has no monthly fee with direct deposit plus e-statements, which this bonus already requires. Doctor of Credit lists the fee as $8 otherwise.
- Doctor of Credit reports a $35 fee if you close the account within six months.
- All branches are in New York. The online application asks for your email before it shows any residency rules, so out-of-state approval is unconfirmed.
Can You Earn This Bonus Again?
Fine Print
This promotional offer is valid only to new Optimum or e-ssentials Checking Accounts opened online with a valid offer code. To be eligible, the following must occur within the first 90 days following account opening: First 30 days: e-statement enrollment. Days 31-60: one (1) direct deposit and five (5) POS Debit Mastercard transactions. Days 61-90: one (1) direct deposit and five (5) POS Debit Mastercard transactions. If this eligibility requirement is satisfied, the account will be credited $300 within 60 days of meeting the eligibility criteria. Accountholder assumes tax reporting responsibility. The reward is not available for accounts that result from the conversion of any existing checking account.
Taxable income
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A condition you can meet to have the monthly maintenance fee on an account waived.
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