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Home » Banks That Allow/Don’t Allow Out Of State Checking Applications

Banks That Allow/Don’t Allow Out Of State Checking Applications

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A lot of bank account bonuses are restricted to certain states. One of the common questions that is asked is “can you open an account with this bank if you live out of state and go into a physical branch to open?” Like most things, it varies by bank/credit union. We will use this page to collect data points, if you have any experience then please share them in the comments below. As always, pages like this live and die by the community. If people don’t contribute, then we will have no data points so make sure you share your knowledge.

Also just a friendly reminder to not waste too much of your vacation time chasing bonuses, it’s nice to enjoy life as well.

3Rivers Federal Credit Union

Does allow, worked online and bonus posted: 1,

Academy Bank

Does allow: 1,

Alden Credit Union

Doesn’t allow: 1
Does allow: 1

Allied First Bank

Does allow: 1,

Andigo

Does allow: 1 (bonus posted), 2, 3 (bonus posted)

Associated Bank

Does allow: 1, 2, 3, 4, 5,
Didn’t allow: 1 (online), 2 (online)

Bank of The West

Does allow: 1, 2 (in branch)

Bank & Trust

Does allow: 1, 2

BB&T

Worked out of state: 1,

BBVA

Does allow: 1, 2, 3
Doesn’t allow: 1

Blue Hills Bank

Doesn’t allow: 1

BluPeak Credit Union

Does allow: 1, 2, 3, =

BMO Harris

Does allow: 1, 2 (in branch & business), 3,

BMT (Bryn Mawr Trust)

Does allow: 1

Campus USA

Does allow: 1 (bonus posted)

Capital Bank

Does allow: 1 (not out of state, but out of area)

Cedar Rapids Bank & Trust

Does allow: 1,

Central Bank

Doesn’t allow: 1

Chase

Allows: 1, 2, 3, 4,

CIBC US

Allows: 1 (sent in via e-mail on 07/03/18)

Citizens Bank

Allows: 1, 2, 3 (bonus posted)
Didn’t allow online: 1,

Coatesville Savings Bank

Doesn’t allow: 1

Columbia Bank

Does allow: 1

Comerica Bank

Does allow: 1,

Credit Union 1

Does allow: 1,

DCU

Does allow: 1

EECU

Doesn’t allow: 1,

Fairwinds Credit Union

Does allow: 1 (online)

Fidelity Bank

Doesn’t allow: 1

Fifth Third

Does allow: 1,2, 3, 4, 5, 6, 7 (in branch, personal & business), 8,
Doesn’t work online: 1,

First America Bank

Does allow: 1, 2 (online)

First Bank & Trust

Doesn’t allow: 1

FirstBank

Doesn’t allow: 1

First Commerce Bank

Allows: 1 (bonus posted)

First Financial Bank

Doesn’t allow: 1,

First Home Bank

Soft pull: 1,

First National Bank of Long Island

Does allow: 1, 2, 3 (in branch)

First Republic

Does allow: 1 (in branch)

First Tech Federal Credit Union

Does allow with Financial Fitness Association membership (they pay the $8 fee)

First Tennessee

Does allow: 1, 2, 3, 4,
Allowed but didn’t get bonus: 1

Firstrust

Does allow: 1 (in branch)

First United Credit Union

Doesn’t allow: 1,

Flushing Bank

Does allow: 1 (in branch)

FNBO

Does allow: 1, 2,

GESA Credit Union

Does allow: 1

Great River Federal Credit Union

Does allow: 1, 2, 3, 4,

Hancock Whitney

Does allow: 1 (in branch), 2 (in branch)

HarborOne Bank

Doesn’t allow: 1 (ID is checked)

Huntington Bank

Does allow: 1, 2, 3, 4,
Didn’t allow in branch: 1,

Iberia Bank

Doesn’t allow: 1,

Investors Bank

Does allow: 1,

Jovia Financial Credit Union

Does allow: 1 (bonus posted), 2, 3, 4,

KeyBank

Does allow with two forms of ID, just keep in mind they are inquiry sensitive: 1,

KeyPoint

Does allow: 1, 2,

Landmark Credit Union

Does allow: 1,

Midland Credit Union

Does allow: 1,

Middlesex Savings Bank

Does allow: 1 (in branch)

MidWestOne Bank

Does allow: 1 (in branch),

M&T

Does allow: 1 (not enforced online ), 2
Doesn’t allow: 1 (in branch only), 2 (online)

Mountain America Credit Union

Does allow: 11

MyNorthwest

Worked in branch: 1,

North Shore Bank

Doesn’t allow: 1

Northwest Federal Credit Union

Worked online: 1, 2, 3,
Worked in branch: 1,

Numerica Credit Union

Worked: 1,

Old National Bank

Worked online: 1

OneWest Bank

Opened in branch: 1,

OnTap Credit Union

Worked online: 1, 2,

Option1

Doesn’t allow: 1

People’s United

Does allow: 1 (in branch)

Pittsfield Coop Bank

Doesn’t allow: 1,

PNC

Does allow: 1, 2 allowed when there was no bonus), 3 (allowed for a single state specific bonus when they were in another service area), 3 (allowed out of state with bonus), 4 (online), 5 (online), 6, 7 (online), 8 (in branch)
Didn’t allow: 1 (Manhattan)

Popular Community Bank

Does allow: 1, 2,

Premier Bank

Does allow: 1 (in branch and bonus pays out)

Redstone Federal Credit Union

Does allow with Financial Fitness Association membership
Allows but bonus didn’t post

Regions

Does allow: 1, 2, 3, 4 (in branch), 5,

Ridgewood

Does allow: 1 (in branch)

Sandy Spring Bank

Does allow: 1

Santander

Does allow: 1,

SecurityPlus

Does allow: 1, 2, 3,

Signature Bank of Georgia

Doesn’t allow: 1

Star One Credit Union

Does allow: 1,

State Bank of India (California)

Does allow: 1, 2 (online)

SunTrust

Does allow: 1, 2,
Didn’t allow: 1, 2, 3 (online)

TBK Bank

Does allow: 1, 2 (bonus posted)

TD Bank

Allows by phone, but not possible to get sign up bonus: 1

Tower Federal Credit Union

Requires a donation to the Foundation: 1,

UMB Bank

Does allow: 1 (online), 2,

United Community Bank

Does allow: 1 (some states)

United States Senate Federal Credit Union

Does allow: 1,

University of Kentucky Federal Credit Union

Doesn’t allow: 1, 2,

U.S. Bank

Does allow: 1 (in branch)

US Alliance Financial

Allows: 1

Valley National Bank

Allows: 1, 2, 3,

WaterStone Bank

Doesn’t allow: 1 (online)

WECU

Doesn’t allow: 1,

Wells Fargo

Does allow: 1, 2,

Wings Financial Credit Union

Does allow with donation to charitable foundation: 1,
Does allow: 1,

Wintrust

Does allow in branch: 1, 2,

Woori America Bank

Does allow: 1,

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