Spiral Checking $200 Bonus

Spiral Financial logo

Spiral Financial : Spiral Checking

$200

Offer Expired On

April 30, 2022

How To Earn The Bonus

  1. Existing customers: have an existing Spiral checking account opened before 01/01/22 without a direct deposit applied to it. New customers: open and account by April 30.
  2. Make a direct deposit of at least $1,500 for 2 consecutive months within 90 days of opening the account.
  3. During the same timeframe, all complete 10 debit card purchases totaling $500 or more for two consecutive months.
  4. Bonus will be deposited to your checking account no later than 30 days from the last day of the second consecutive month in which the recurring direct deposits were received.

Available in Your Area?

Yes

Monthly Fees?

Yes

Open Online?

Yes

Credit Pull?

Soft

Spiral Financial logo

Spiral is a mobile-first neobank, and they're offering a $200 bonus when you add direct deposit to a new or existing checking account. If you're and existing customer, you'll need to have opened your account prior to January 1, 2022 and have not received a direct deposit bonus. That's a pretty solid return for an account that's free and available nationwide.

How To Earn The Bonus

The Spiral Checking promotion requires you to set up direct deposits in order to earn the $200 bonus.

Full requirements to receive this bonus are:

  1. Existing customers: have an existing Spiral checking account opened before 01/01/22 without a direct deposit applied to it. New customers: open and account by April 30.
  2. Make a direct deposit of at least $1,500 for 2 consecutive months within 90 days of opening the account.
  3. During the same timeframe, all complete 10 debit card purchases totaling $500 or more for two consecutive months.
  4. Bonus will be deposited to your checking account no later than 30 days from the last day of the second consecutive month in which the recurring direct deposits were received.

The fine print

  • The checking account must remain open, active, in good standing and in the same product type through the qualifying period to receive the bonus.
  • Spiral and nbkc bank employees are not eligible.
  • Offer is not available to customers who have received a direct deposit bonus.
  • Purchases that are disputed or returned may cause the customer to become ineligible for the bonus.

How does this checking offer from Spiral compare?

To help you determine how this bonus stacks against the rest, here are some of the most popular offers available right now:

Citi

Citi Priority Account

Bonus
up to $1500
Account Type
Personal Checking
Expires In
51 days
Requires
  • Min Balance

Fifth Third Bank

Personal Checking

Bonus
$350
Account Type
Personal Checking
Expires In
126 days
Requires
  • Direct Deposit

Chase

Chase Total CheckingĀ®

Bonus
$200
Account Type
Personal Checking
Expires In
54 days
Requires
  • Direct Deposit

Why Spiral Financial?

Spiral is a financial technology company, not a bank. Though their banking products and services are provided by FDIC-insured nbkc bank, so your deposits are safe.

Spiral's motto is "Banking that helps you build a better life while making the world a better place." In support of this, they will match your donations to over a million 501(c)(3) charities, up to $150 a year.

Spiral Checking

Spiral Checking is a free checking account from the neobank Spiral. The account has no monthly fees and no minimum balance requirements.

On top of that, the account gives you the opportunity to earn up to $135 annually in cash bonuses, plus a dollar-for-dollar match on your charitable donations, up to $150 annually.

In order to qualify for the bonus and match, you'll need to receive $1,000 in deposits each month. This needs to be a direct deposit from your payroll to qualify for the charity match, but a regular ACH deposit will qualify you for the bonus.

Fees

Spiral Checking does charge a monthly fee of $7, but there are ways to get this waived:

  • Make a deposit or withdrawal at least every 90 days.
Banking products and services provided by nbkc bank, Member FDIC.