Checking Account

Cape & Coast Bank

Cape & Coast Bank $500 SmartRate Checking Bonus

$500bonus

Time to Complete

90 days

Requirements

Direct Deposit Required

Set up recurring direct deposits to your account

To waive the $15 monthly fee, keep at least $1,000 in the account each day, receive direct deposit or transfers totaling $1,000 or more each month, enroll in eStatements, and make at least two debit card purchases each month.

Bonus Timeline

Bonus Posts Within120 days after meeting requirements
Keep Account Open90 days minimum
Direct Deposit Amount$1,000/mo
Monthly RequirementsTo waive the $15 monthly fee, keep at least $1,000 in the account each day, receive direct deposit or transfers totaling $1,000 or more each month, enroll in eStatements, and make at least two debit card purchases each month.

Fine Print

Credit PullSoft Pull
Accepts CC FundingYes
CC Funding$100
Household LimitLimited to one personal checking bonus per mailing address.
New Customers OnlyYes — no account in last 12 months

Fees & Terms

Monthly Fee$15.00
Fee WaiverKeep at least $1,000 in your account each day, set up direct deposit or transfers totaling $1,000 or more each month, sign up for eStatements, and use your debit card for purchases at least twice each month.

Details

Open a new SmartRate Checking account, maintain it for 90 calendar days, and have electronic direct deposits totaling $1,000 or more post and clear within the first 90 days to earn a $500 bonus. Account must remain open when the bonus is paid. Offer is for new customers only with no personal or business checking account in the previous 12 months and is limited to Barnstable County, MA residents.

Availability

MA

Direct Deposit Required

A real direct deposit from your employer is required for this bonus.

Last updated: March 8, 2026