Byline Bank $450 Checking Account Bonus (2026) - Review & Requirements
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- Direct deposit: $1,000 in qualifying direct deposits
- Minimum opening deposit: $100
- Enter the offer's promo code when you apply
- Availability: IL, WI
- Lifetime limit: one bonus per customer
- ChexSystems sensitivity: Medium
- Credit pull: soft pull only
- Monthly fee: $5/mo — $5 monthly fee waived if average account balance is $500 or more, or combined balance in personal deposit accounts is $10,000 or more
- Early closure fee: $25
- Bonus posts: ~100 days
- Account hold: Must keep open 180 days
What Counts as Direct Deposit
Employer payroll is always the safest method. "Maybe" means some people report it working and it is not guaranteed. Open a row to see the individual reports.
Byline Bank offers $450 bonus ($225 per month for 2 months) for new Simple Checking with promo code SIMPLE450 and $1,000 in direct deposits for two consecutive statement cycles. Source
The reports come from Doctor of Credit comment threads, public Reddit posts, and members who told us what happened to their own deposit. Each one is dated where the person gave a date. Read how we check offers.
Report what worked for you. A free account is all it takes. Reports are attached to the offer, never to your name.
Overview
Byline Bank is currently offering a $450 checking bonus. The core requirement is $1,000 in qualifying direct deposits within 30 days. The account has a $5 monthly fee; review the waiver terms before applying.
Pros
Cons
Notes
Receive $1,000+ in direct deposits within 30 days. Allow approximately 100 days for the bonus to post after qualification. Keep the account open for at least 180 days.
How This Compares to Other Bonuses
Byline Bank's $450 offer is closest in headline value to U.S. Bank's $450 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 Byline Bank checking bonus?
Byline Bank currently advertises $450. The principal requirement is $1,000 in qualifying direct deposits within 30 days.
Does the Byline Bank bonus require direct deposit?
Yes. The catalog currently records $1,000 in qualifying direct deposits within 30 days. Confirm the bank's exact definition before applying.
When should the Byline Bank bonus post?
The tracked estimate is about 100 days after you satisfy the requirements.
Full Requirements
Must use promo code SIMPLE450. Bonus paid as $225 increments at the end of each of two consecutive statement cycles when $1,000 DD requirement is met that month. Tracking begins on second statement cycle.
Fees
$5 monthly fee waived if average account balance is $500 or more, or combined balance in personal deposit accounts is $10,000 or more
ChexSystems & Credit Pull
ChexSystems inquiry. Soft pull only.
Eligibility
YMMV - terms mention mailer twice. May be targeted to addresses that received mailer.
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Sources (2)
We last checked this against the bank's page on September 4, 2026.
Add this offer directly to your dashboard so you can track its requirements, deadline, and payout.
Stacks OS also tells you which bonus to do next for YOUR paycheck.
What actually counts as a direct deposit at 53 banks. Fidelity, Schwab, ACH pushes, all in one printable table, verified.
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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.