Fulton Bank $400 Checking Account Bonus (2026) - Review & Requirements
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- Direct deposit: 2 separate direct deposits of $500 or more each
- Deposit window: 90 days
- Availability: DE, DC, MD, NJ, PA, VA
- Lifetime limit: one bonus per customer
- ChexSystems sensitivity: Low
- Credit pull: soft pull only
- Monthly fee: $0 — No monthly fee.
- No early-closure rule listed
- Bonus posts: ~30 days
What Counts as Direct Deposit
37 reports across 1 source. Last report Jan 5, 2026. Doctor of Credit comments 37.
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.
Open a Simply Checking account online between July 1, 2026 and December 31, 2026, receive at least two qualifying direct deposits of $500 or more each within 90 days of opening, and enrol in online statements within the same 90 days. A qualifying direct deposit is an electronic deposit of your paycheck, pension,... 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.
Reports are attached to the offer, never to your name. Members can log one from their account instead.
Overview
Fulton Bank is currently offering a $400 checking bonus. The core requirement is 2 separate direct deposits of $500 or more each within 90 days. The eligible account has no monthly maintenance fee documented in the catalog.
Pros
Cons
Notes
Make 2 SINGLE direct deposits of $500 or more each within 90 days. Allow approximately 30 days for the bonus to post after qualification.
How This Compares to Other Bonuses
Fulton Bank's $400 offer is closest in headline value to PNC Bank's $400 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 Fulton Bank checking bonus?
Fulton Bank currently advertises $400. The principal requirement is 2 separate direct deposits of $500 or more each within 90 days.
Does the Fulton Bank bonus require direct deposit?
Yes. The catalog currently records 2 separate direct deposits of $500 or more each within 90 days. Confirm the bank's exact definition before applying.
When should the Fulton Bank bonus post?
The tracked estimate is about 30 days after you satisfy the requirements.
Related Bonus Reviews
Full Requirements
Open a Simply Checking account online between July 1, 2026 and December 31, 2026, receive at least two qualifying direct deposits of $500 or more each within 90 days of opening, and enrol in online statements within the same 90 days. A qualifying direct deposit is an electronic deposit of your paycheck, pension, Social Security or unemployment from an employer or the government. Wires, funds transfers, person to person payments such as Zelle, and micro deposits do not count. Simply Checking has no monthly maintenance fee and no minimum balance requirement. The bonus is credited four to six weeks after you meet the conditions, and the account must still be open when it is paid. One thing to know: the page carries targeted language saying you should have arrived from a Fulton email or ad, but it is publicly reachable and readers have been opening from search.
Fees
No monthly fee.
ChexSystems & Credit Pull
Low ChexSystems sensitivity.
Eligibility
New consumer checking customers only. You cannot have had a consumer checking account with Fulton Bank in the last 24 months, and the offer is one cash bonus per person. If you open more than one account, only the first qualifying account earns it. You must be 18 or older and live in the bank's service area of Delaware, Washington DC, Maryland, New Jersey, Pennsylvania or Virginia.
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Sources (2)
We last checked this against the bank's page on September 26, 2026.
Historical Promotions
The current $400 is the highest we've tracked since July 2024.
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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.