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North Shore Bank: up to $400 bonus

New personal checking (promo code FALL26) · Checking

AI summary Open checking with the promo code and earn $40 each month you spend $100 on the debit card or get $500 in direct deposits.

Up to $400Advertised bonus

$400Estimated net bonus

$0Account feesno monthly fee stated

~364 daysHold period

Nov 7, 2026Ends

Janet read the fine print. By her math, no fees come out of this one.

Instead of direct deposit: $100 a month in debit card purchases counts.

Steps

Open checking with the promo code
Earn $40 each month you spend $100 on the debit card or get $500 in direct deposits

Bank's terms

All details from the bank's page

Requirements: Open a new personal checking account (not Student Checking) with promo code FALL26 by Nov 7, 2026. Each promotional calendar month with $100+ in qualified debit card transactions or $500+ in direct deposits earns $40, for up to 10 months. Payments begin in January 2027 based on December 2026 activity.
Account fees: Account fees: $0 (the bank states no monthly fee for an account with no monthly fee; the $50 fee for closing within 180 days ends before the bonus months do). Counted over 364 days (hold period, about 364 days).
Estimated net bonus: Estimated net bonus $400 ($400 minus $0 fees)
Hold period: $40 is credited each month for up to 10 months starting January 2027; a $50 fee applies if the account is closed within 180 days. For the estimate: about 364 days (10 monthly payments, January through October 2027; counted from opening on Nov 1, 2026).
Estimated effective yield: No deposit has to stay in the account, so there is no estimated effective yield; the hold is how long the account must stay open.
Direct deposit: Not strictly required ($500 monthly direct deposit OR $100 monthly debit card use) – alternative allowed: $100 a month in debit card purchases counts
Deposit / balance: not stated
Time to complete: not stated
Payout: $40 monthly, starting January 2027
Keep open / early close: A $50 fee applies to accounts closed within 180 days of opening.
Eligible states: not stated
Lookback rule: New personal checking households only. One new customer bonus per household every 24 months.
Deadline: Nov 7, 2026
State note: Local bank; the page does not list eligible states.

Source: www.northshorebank.com/special-offers/oct2026-get400-checkin · Last verified Nov 1, 2026, 1:10 AM CT · How we estimate

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