What are qualifying transactions?
Purchases or transfers that count toward meeting a bank bonus requirement.
Updated July 2026
Qualifying transactions is a catch-all term banks use for the activities that count toward earning your bonus. Depending on the offer, these might include debit card purchases, ACH transfers, Zelle payments, bill pay, or mobile check deposits. Each bank defines which types count, and they're not always the same.
The most common version is a debit card purchase requirement. Something like "make 10 debit card transactions within 60 days." These are usually easy to hit with normal spending. Some people knock them out quickly by buying small items or splitting purchases.
Other offers ask for a mix of transaction types. Chase Secure Banking, for example, counts debit purchases, Zelle, ACH, Quick Deposit, and bill pay all as qualifying transactions. That gives you flexibility in how you meet the requirement.
Always read the fine print to know exactly what counts. "Qualifying" is doing a lot of work in that phrase. ATM withdrawals, transfers between your own accounts at the same bank, and fees almost never qualify. Once you know what counts, this month's best bank bonuses shows which current offers have the easiest requirements to hit.
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