Equity Bank Begin Checking + Savings $400 Bonus

1. 1

   Open checking and savings with code BEGIN

   Open and fund a new Equity Bank checking account and a new Equity Bank savings account within 45 days of each other, no later than December 31, 2026. Enter code BEGIN under "Enter Promotional Code" when opening online, or mention the Begin offer when opening in person.

2. 2

   Receive $1,000 in combined direct deposits

   Receive a minimum of $1,000 in combined qualifying direct deposits into the new checking account within 45 days of account opening.

3. 3

   Activate and use your Equity Bank debit card

   Activate and use the Equity Bank debit card tied to the new checking account within 45 days of account opening.

Equity Bank directly deposits the $400 incentive into the qualifying checking account after approximately 45 days from checking account opening, assuming all requirements are met by then. Paid on Form 1099-INT.

Account Details

Eligibility

Tips & Gotchas

• →You need both accounts, not just checking: open and fund a checking AND a savings account within 45 days of each other, both by December 31, 2026 (extended from the original September 30, 2026 deadline).
• →A 'new Equity Bank household' means no applicant can be linked as an owner to an open Equity Bank checking, savings, or Money Market account in the past 180 days.
• →Bank employees and their household members are excluded.
• →Enter promo code BEGIN online, or just mention 'Begin' when you open in a branch.
• →This is a re-launch: Equity Bank ran the same structure in spring 2026 under code SURGE, which expired 7/31/2026. The bank's own page is the only reliable source for the live window; DoC and other trackers have been wrong about this bank's deadlines before.

Direct Deposit Data Points 18

18 community reports across 7 transfer sources, showing what triggers a qualifying direct deposit at Equity Bank.

View all Equity Bank direct deposit data points →

Can You Earn This Bonus Again?

Fine Print

$400 Begin Bonus Offer is available for a limited time and may be canceled without notice. Promotion is available from July 10, 2026, to December 31, 2026 (extended from the original September 30, 2026 deadline; confirmed live 2026-09-23). One Begin offer permitted per household, available for new Equity Bank households only, and subject to review and approval. A new Equity Bank household for the Begin Bonus Offer is defined as applicant(s) not linked as an owner to an open Equity Bank consumer checking, savings, or Money Market account within the past 180 days. The incentive may be paid for opening both a new checking and savings account during the promotion period. Incentive amount will be directly deposited into the customer's qualifying checking account after approximately 45 days of checking account opening, assuming all qualifications are met. To qualify, customer must (1) open and fund both a new checking and savings account within 45 days of each other and no later than December 31, 2026; (2) maintain Equity Bank accounts in active and good standing at time of incentive payment; (3) receive a minimum of $1,000 in combined qualifying direct deposits into the new checking account within 45 days of account opening; (4) activate and use the Equity Bank debit card within 45 days of account opening; and (5) enter "Begin" under "Enter Promotional Code" when opening online, or mention the "Begin" offer when opening at a branch. Promotion not available to current employees and employee household members of Equity Bancshares, Inc. or its subsidiaries. Customer will be issued a 1099-INT for the tax value of the incentive. Minimum $100 deposit may be required to open Equity Bank checking and savings accounts; minimum $1,000 deposit may be required to open an Equity Bank Money Market account. Member FDIC.

Taxable income · Reported on 1099-INT

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