Blog/Best Checking Bonuses/[Expired] Blue Foundry Bank $300 Checking Account Bonus (2026) - Review & Requirements

[Expired] Blue Foundry Bank $300 Checking Account Bonus (2026) - Review & Requirements

By Nathaniel Booth2026-04-10Bank Bonuses
CheckingBank BonusDirect DepositRegional
⚠️ This offer has expired.

Below is the offer exactly as we last tracked it, kept for reference. It may no longer be available to open.

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Offer Details
Bonus Amount$300
Account TypeChecking
Direct Deposit Required$3,000 total
Number of Deposits6
Deposit Window180 days
At a Glance
Requirements
  • Direct deposit: $3,000 in qualifying direct deposits
  • Deposit window: 180 days
Eligibility
  • Availability: NJ
  • Lifetime limit: one bonus per customer
  • ChexSystems sensitivity: Unknown
Fees
  • No early-closure rule listed
No published end date
Bank bonuses are taxable interest — expect a 1099-INT. See our bank bonus tax guide.

What Counts as Direct Deposit

Based on community data points and bank terms. Employer payroll is always the safest method. "Mixed" means some users report success but it is not guaranteed.

YES
Employer payroll
The safest method — always codes as a direct deposit.
YES
Government benefits (SSA, pension, unemployment)
MAYBE
Fidelity ACH push
The most reliable workaround — Fidelity sends properly DD-coded ACH that triggers at most banks. Worth trying first.
MAYBE
Ally / Alliant ACH push
DD-coded ACH that works at many banks; confirm for this one.
MAYBE
Schwab ACH push
Inconsistent across banks — use payroll or Fidelity if you can.
NO
PayPal / Venmo / Cash App ACH
Usually code as P2P, not direct deposit. A few very lenient banks (Citi, Capital One) are exceptions.
NO
Zelle
Codes as P2P at nearly every bank.
NO
Wire transfer
NO
Mobile check / cash deposit
NO
Transfer from your own account at the same bank
Internal transfers never count.
Source: our guide to what counts as direct deposit, verified per-bank against official terms and community data points (originally compiled with help from Doctor of Credit). Data points may change — always verify with the bank.

Overview

Blue Foundry Bank's $300 checking offer is no longer available. This page preserves the final tracked requirements, source, and offer history so you can compare it with currently active bonuses.

Pros

+$300 cash bonus
+No documented hard credit pull
+180-day qualification window

Cons

-Geographic restrictions apply
-Lifetime or one-bonus-per-customer language applies
-No published end date; terms can change without notice

Notes

Receive $3,000+ in direct deposits within 180 days. Keep the account open and in good standing until the bonus posts.

How This Compares to Other Bonuses

Blue Foundry Bank's $300 offer is closest in headline value to PSECU's $300 checking bonus. Compare the direct-deposit requirement, geographic eligibility, fees, approval sensitivity, and payout timing, not only the advertised amount.

Frequently Asked Questions

What is the current Blue Foundry Bank checking bonus?

The final offer we tracked paid $300; it is now marked expired.

Does the Blue Foundry Bank bonus require direct deposit?

Yes. The catalog currently records $3,000 in qualifying direct deposits within 180 days. Confirm the bank's exact definition before applying.

When should the Blue Foundry Bank bonus post?

The bank does not provide a dependable posting estimate in our current record, so keep the account open until payment arrives.

Full Requirements

This offer has ended. Blue Foundry Bank has merged into Fulton Bank and no longer runs its own accounts. The bonus previously required a Blue Axis Edge Checking account and a direct deposit of $500 or more every month for six months. Apply online.

Fees

No monthly fee on eligible checking.

ChexSystems & Credit Pull

Chex SensitivityUnknown
Hard PullNo

ChexSystems / credit-pull policy not officially stated.

Eligibility

AvailabilityNJ
Lifetime LimitYes

Blue Foundry Bank (New Jersey) has merged into Fulton Bank, and its website now sends every visitor to Fulton Bank. There is a separate $300 savings component in the original promotion that required depositing $15,000 or more and holding it for six months.

Sources (2)

We last checked this against the bank's page on July 27, 2026.

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The Direct Deposit Cheat Sheet

What actually counts as a direct deposit at 53 banks. Fidelity, Schwab, ACH pushes, all in one printable table, verified.

Free. Unlocks instantly here and arrives by email.
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Watch the walkthroughs on YouTube →

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Fat Stacks Academy may earn a commission when you open an account through links on this page, at no additional cost to you. Commissions do not influence our reviews — we verify offer terms directly with each bank before publishing and do not accept paid placement in our rankings. Bonus offers, requirements, and fees are determined by each financial institution and may change at any time. Always verify the current terms directly with the bank before applying. This content is for informational purposes only and does not constitute financial advice.

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