Cape & Coast Bank Offer

Bonus Details

Earn $500 with a new SmartRate Checking account. The bonus is paid within 120 days after opening if requirements are met; the account must still be open.

How To Qualify

Open SmartRate Checking with at least $25 using your mailed offer code online, or bring the mailed offer to a branch. Receive at least $1,000 in electronic direct deposits that post and clear within 90 days, and maintain the account for 90 days. You must have had no personal or business checking here in the previous 12 months. Limit one personal checking bonus per mailing address.

APY Details

The listed APY applies to the first $10,000. The portion above $10,000 earns a 0.25% interest rate, so the blended APY depends on the balance. Interest compounds monthly; rates may change.

The Fine Print

Monthly Fees: $15
Account Type: SmartRate Checking
Expiration Date: 12/31/2026
Availability: Massachusetts

Monthly Fee Details

$15 monthly fee, waived for the first statement cycle. Later fees are refunded when you meet all four conditions each statement cycle: keep at least $1,000 daily, receive at least $1,000 in direct deposits or ACH credits, use eStatements, and make two debit card purchases. Deposits and purchases must post and clear during that cycle.

Official offer terms

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

Open your account online using the offer code from your mailer, or stop by a Cape & Coast Bank branch and bring your mailed offer with you to receive the bonus. Get Started *Available only to new customers with no personal or business checking with us in the previous 12 months. Limited to one personal checking bonus (SmartRate Checking or Free Checking) and one Free Business Checking bonus per mailing address. The account must be open at the time bonus is paid. Offer available through December 31, 2026. Offer only available to Barnstable County residents, and meet these additional requirements: To Receive $500 SmartRate Checking Bonus: Open and maintain a new SmartRate Checking for 90 calendar days and have electronic direct deposits totaling $1,000 or more post to and clear that account within the 90-day period. If all requirements are met, the $500 bonus will be deposited into your SmartRate Checking no later than 120 calendar days after account opening. SmartRate Checking Additional Disclosures: Minimum opening balance of $25. Subject to $15 monthly service charge. $15 monthly fee refunded when you meet these simple qualifications: Keep at least $1,000 in your account each day Set up direct deposit or transfers totaling $1,000 or more each month Sign up for eStatements Use your debit card for purchases at least twice each month