X Money $300 Checking Account Bonus (2026) - Review & Requirements
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- Direct deposit: $3,000 in qualifying direct deposits
- Availability: NY
- No stated lifetime limit
- ChexSystems sensitivity: Medium
- Monthly fee: $0 — No monthly account fee. Separate X Premium/Premium+ subscription required ($8-40/month).
- No early-closure rule listed
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.
NY residents earn $300 bonus when receiving $3,000 in direct deposits. 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
X Money is currently offering a $300 checking bonus. The core requirement is $3,000 in qualifying direct deposits. The eligible account has no monthly maintenance fee documented in the catalog.
Pros
Cons
Notes
Receive $3,000+ in direct deposits. Keep the account open and in good standing until the bonus posts.
How This Compares to Other Bonuses
X Money'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 X Money checking bonus?
X Money currently advertises $300. The principal requirement is $3,000 in qualifying direct deposits.
Does the X Money bonus require direct deposit?
Yes. The catalog currently records $3,000 in qualifying direct deposits. Confirm the bank's exact definition before applying.
When should the X Money 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
Must maintain active X Premium ($8/mo or $84/yr) or Premium+ ($40/mo or $395/yr) subscription. NY residents only. Qualifying deposits defined as ACH with SEC code PPD or X Creator payouts.
Fees
No monthly account fee. Separate X Premium/Premium+ subscription required ($8-40/month).
ChexSystems & Credit Pull
Screening practices unknown. Deposits held by Cross River Bank (fintech partner) with pass-through FDIC insurance.
Eligibility
NY residents only (due to state money transmitter licensing limitations). Requires active X Premium or Premium+ subscription. Some Premium/Premium+ members report being unable to sign up for unknown reasons.
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Sources (2)
We last checked this against the bank's page on September 11, 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.