Is the Univest Bank and Trust Co. Consumer Checking bonus available nationwide?

No. This offer is limited to residents of select states: PA, NJ, MD.

Is the Univest Bank and Trust Co. Consumer Checking bonus taxable?

Yes. Bank account bonuses are considered taxable income by the IRS. Univest Bank and Trust Co. will send a 1099-INT form if your bonus is $10 or more.

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Univest Bank and Trust Co.

Univest Bank and Trust Co. Consumer Checking $400 Bonus

Univest pays $400 when you open any new consumer checking account between September 14 and November 25, 2026 and receive at least $1,000 of qualifying direct deposits within 90 days. One deposit or several both count. The bonus posts within 30 business days after the 90-day window.

Bonus amount: $400
Expires: Nov 25, 2026
Time to complete: ~90 days
Bonus deposited in: ~135 days
Difficulty: Easy

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Requirements

Last verified: Oct 7, 2026

Open any consumer checking by 11/25/2026
Open any new Univest consumer checking account between September 14, 2026 and November 25, 2026. Online opening is only for people who live in the areas Univest serves. Everyone else has to open in person at a Univest financial center.
$1,000 in direct deposits in 90 days
Receive qualifying direct deposits totaling at least $1,000 within 90 calendar days of account opening. Qualifying deposits are electronic ACH deposits such as payroll, pension, or government benefits. Transfers between accounts, Zelle and other person-to-person payments, Real-Time Payments, mobile, ATM, and branch deposits, and debit or prepaid card deposits do not count.
Keep the account open with a positive balance
The account must be open with a positive balance when the bonus is paid. No partial bonus is paid.

Univest credits the bonus to the new account within 30 business days after the 90-day qualification period, if the account is open with a positive balance.

Account Details

Monthly feeNo monthly fee

Fee waiver

Value Checking, Basic Checking, and Cash Back Rewards checking have no monthly service fee and no minimum balance. Relationship Checking charges $5 a month unless you keep a $10,000 combined balance.

Min. hold periodNo minimum

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 (PA, NJ, MD)

Eligibility

Minimum age+

Existing customersNot eligible

Not for anyone who currently has a Univest consumer checking account, or who closed one or received a Univest new checking incentive in the past 12 months. Existing Univest customers without consumer checking can qualify.

Other restrictions

You can only open online if you live in the areas Univest serves. The bank's online application says anyone else must open in person at a Univest financial center. Nearly all of them are in Pennsylvania, mostly around Philadelphia, with a few in Maryland and New Jersey.
Limit one bonus per household (individuals at the same residential address). Business accounts are not eligible.

Tips & Gotchas

→Pick Value Checking or Basic Checking. Neither has a monthly service fee or a minimum balance.
→Only real ACH direct deposits count. Zelle, transfers from your own accounts, and mobile deposits do not.
→Plan on living near a Univest financial center. The online application is only for people in the bank's service area, and everyone else has to open in person. Nearly all of the bank's offices are in Pennsylvania, mostly around Philadelphia, with a few in Maryland and New Jersey.

Can You Earn This Bonus Again?

Can rechurnNo

NotesNot eligible if you closed a Univest consumer checking account or received a Univest new checking incentive in the past 12 months.

Fine Print

Offer available only to customers who do not currently have a Univest consumer checking account. To receive the $400 bonus, open any new Univest consumer checking account between September 14, 2026, and November 25, 2026, and have qualifying direct deposits totaling at least $1,000 credited to the account within 90 calendar days of account opening. Qualifying direct deposits are electronic ACH deposits, such as payroll, pension, or government benefit payments. To be eligible, you must not have closed a Univest consumer checking account or received a Univest new checking account incentive within the past 12 months. Business accounts are not eligible. Limit one bonus per household. The bonus will be credited to the qualifying account within 30 business days after the 90-day qualification period, provided the account is open and has a positive balance at the time the bonus is paid. No partial bonus will be paid.

Taxable income

What is a direct deposit?

An electronic payment sent directly into your bank account, usually from an employer or government.

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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.