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Personal Bank Account

Columbia Bank

Bonus

Up to $1,000

Monthly Fee

$10/mo (waivable)

To Qualify

$2,000 Direct Deposit + $10,000 Balance within 60 days and for 120 days

Availability

NJ

View Offer

Bonus Details

Earn up to $1,000: $500 after ACH credits totaling at least $2,000 post to your new Advantage Plus Checking account within 60 days of opening, plus $500 for depositing $10,000 or more of new money within 15 days and maintaining those deposits for an additional 120 days after the funding period ends. The lower Balance Build tier pays $250 for $5,000.

How To Qualify

Open an Advantage Plus Checking account with at least $0.01 and receive ACH credits totaling at least $2,000 within 60 days of opening; internal transfers do not qualify. For the additional Balance Build bonus, deposit new money not previously held by Columbia Bank within 15 calendar days of opening: $5,000 earns $250, or $10,000 or more earns $500. Maintain those deposits in checking for 120 additional days after the 15-day funding period ends. Payment follows verification within 30 calendar days after seasoning ends.

The Fine Print

Monthly Fees
$10
Credit Inquiry
Soft Pull
Household Limit
One per account and one per customer for each bonus. Joint accounts are eligible for one Balance Build bonus.
Account Type
Personal Bank Account
Expiration Date
None Listed
Additional Requirements
You cannot earn the $500 opening bonus if you previously received a Columbia Bank checking or savings opening bonus. For joint accounts, this restriction applies to the primary tax owner. Each bonus is limited to one per account and customer. Keep the account open until each bonus is paid.
Availability
New Jersey

Monthly Fee Details

$10 monthly maintenance service charge, waived with direct deposits (ACH credits) greater than $1,000 or three online bill payments/external ACH debits payable to a third party per statement cycle. Internal transfers do not qualify. Primary owners age 22 or younger are exempt; regular fee and waiver requirements begin in the month they turn 23. Paper statements cost an additional $5 monthly; avoid this charge by enrolling in Online Banking and consenting online to electronic statements.

Official offer terms

Source wording for the promotion. View official source Recorded Invalid Date.

You will receive a one-time new account $500 cash credit to your Checking Account after we have verified ACH credits totaling at least $2,000 posted to your Checking Account within 60 days after the date you opened the new account. Internal transfers are not considered an ACH transaction. The $500 will be credited to your account within 120 days after we have determined that you satisfied this requirement. Customers who have previously received a new account opening bonus of any type from the Bank in connection with a checking or savings account are not eligible for this offer, even if a new Checking Account is opened. For joint accounts, if the primary tax owner has previously received a new account opening bonus, the account is not eligible for the bonus. The new account opening bonus is limited to one (1) per account and one (1) per customer. To receive any of the aforementioned new account bonus, the account must still be open at the time we are ready to credit the funds. This is a limited time offer and may be discontinued at any time without prior notice. [2] Balance Build Offer: In order to qualify for a one-time Balance Build Offer cash credit, you must deposit a minimum total deposit of $5,000 of “new money” into your Checking account. (“New money” is defined as deposits not previously held by Columbia Bank.) We will allow fifteen (15) calendar days to complete the “new money” deposit funding process. After the deposit funding process period expires, the deposit(s) must be maintained in your Checking account for an additional one hundred and twenty day (120) period. Once the one-hundred-and twenty-day (120) balance seasoning period expires, Columbia Bank will verify that the qualifications of the Balance Build Offer were met and deposit the applicable cash credit into your Checking account within thirty (30) calendar days. Qualifying accounts will receive a cash credit of $250. For “new money deposits” totaling $10,000 and above, Qualifying accounts will receive a cash credit of $500. The maximum Balance Build Offer cash credit is $500. The Balance Build bonus is limited to one (1) per account and one (1) per customer. To receive the aforementioned Balance Build Offer, the Checking account must still be open at the time we are ready to credit the funds. [4] Advantage Plus checking account is non-interest bearing. The minimum to open the account is $0.01. There is a monthly Maintenance Service Charge of $10.00. The $10.00 monthly Maintenance Service Charge will be waived if you have direct deposits (ACH credits) greater than $1,000 or three online bill payments / external ACH debits (payable to a third-party) post to your account per statement cycle. Primary account owners 22 years of age or under are not subject to the monthly Maintenance Service Charge or the associated waiver activity. Commencing with the month the primary account owner turns 23 years of age and thereafter the monthly Maintenance Service Charge is $10.00 unless the waiver activity is met. Advantage Plus checking is subject to a $5.00 per month Statement Print Service Charge fee if the account holder chooses to receive the monthly statement in print format rather than consenting to access it electronically. To avoid the Statement Print Service Charge, Advantage Plus account holders must sign up for Online Banking and consent online to receive the statement in electronic format.

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