Fulton Bank
Fulton Bank Simply Checking $400 Bonus
Fulton Bank pays you $400 when you open a Simply Checking account online by December 31, 2026, receive at least two qualifying direct deposits of $500 or more, and enroll in online statements, all within 90 days of opening. No monthly fee and no minimum balance. Available in DE, DC, MD, NJ, PA, and VA.
- Bonus amount
- $400
- Expires
- Dec 31, 2026
- Time to complete
- ~90 days
- Bonus deposited in
- ~125 days
- Difficulty
- Easy
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Requirements
Last verified: Oct 3, 2026
Open an account
Open a new Fulton Bank Simply Checking account online at fultonbank.com/Offers/simply-checking by December 31, 2026 with a $25 minimum deposit.
Receive qualifying direct deposits
Receive at least 2 qualifying direct deposits, each of $500 or more, within 90 days of account opening. Qualifying direct deposits are electronic deposits of your paycheck, pension, Social Security, or unemployment from your employer or the government.
Enroll in online statements
Enroll in Online Statements for the new Simply Checking account within 90 days of account opening, through Online Banking or the mobile app.
Fulton Bank credits the $400 four to six weeks after all requirements are met. The account must be open at the time the bonus is paid.
Account Details
Fulton Bank credits the $400 four to six weeks after you meet all requirements. The account must be open at the time the bonus is paid.
Eligibility
New consumer checking customers only. Not valid for anyone who has had a Fulton Bank consumer checking account within the last 24 months.
- Targeted offer. The bank page states you must have reached it through a direct communication (digital ad) from Fulton Bank and applied through that link, but the page is publicly reachable at fultonbank.com/Offers/simply-checking. Eligibility can vary.
- Available in Fulton Bank's service area only: DE, DC, MD, NJ, PA, and VA. Fulton Bank does not offer products to individuals who live outside its service area.
- Must open the account online.
Tips & Gotchas
- →This is a targeted offer. The fine print says you must have reached the page through a Fulton Bank digital ad, but the landing page is publicly reachable at fultonbank.com/Offers/simply-checking. Eligibility can vary, so results are not guaranteed.
- →Only paycheck, pension, Social Security, or unemployment deposits count. Zelle, wires, funds transfers, and micro-deposits do not qualify.
- →You need two separate qualifying direct deposits of $500 or more, not one. Both must post within 90 days of opening.
- →New consumer checking customers only. You must not have had a Fulton Bank consumer checking account in the last 24 months.
- →Fulton Bank uses ChexSystems, so a negative banking history may affect approval.
Direct Deposit Data Points 17
17 community reports across 5 transfer sources, showing what triggers a qualifying direct deposit at Fulton Bank.
How long until the bonus posts? The most recent community reports average about 37 days. See 18 reports on Fulton Bank Checking payout timelines →
Can You Earn This Bonus Again?
Fine Print
Open a new Simply Checking account online between July 1, 2026 and December 31, 2026, receive at least 2 qualifying direct deposits each of $500 or more, and enroll in Online Statements, all within 90 days of account opening. Qualifying direct deposits are electronic deposits of a paycheck, pension, Social Security, or unemployment from an employer or the government; wires, funds transfers, Zelle, and micro-deposits do not qualify. The $400 bonus is credited four to six weeks after the conditions are met and the account must be open at payout. New consumer checking customers only that have not had a Fulton Bank consumer checking account within the last 24 months. Limit one cash bonus per person. $25 minimum opening deposit. Available in Fulton Bank's service area (DE, DC, MD, NJ, PA, VA). Bonus may be reported on IRS form 1099-INT.
Taxable income · Reported on 1099-INT
Related Articles
What Counts as a Direct Deposit for Fulton Bank Bonuses?
Fulton Bank's terms count only employer payroll, pension, Social Security, and unemployment deposits, and require two separate $500+ deposits rather than one combined total. Based on 42 community data points, employer payroll is the only method with real depth (12 of 12 conclusive reports spanning 2020 to 2026). Single reports for Fidelity Cash Management and Schwab brokerage pushes both failed, though the sample is too small to call either method dead for good.
What is a direct deposit?
An electronic payment sent directly into your bank account, usually from an employer or government.
Does Zelle Count as Direct Deposit for Bank Bonuses?
Usually no. At most banks a Zelle payment arrives coded as peer-to-peer and will not trigger the bonus. Citi is the clear exception. Its Enhanced Direct Deposit terms name Zelle as a qualifying deposit, and every Zelle report we have from Citi got paid.
Also see: this month's best bank bonuses and community DD data points.
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