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
Bank & Trust
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
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
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
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
GESA Credit Union
Does allow: 1
Great River Federal Credit Union
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
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
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
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
Signature Bank of Georgia
Doesn’t allow: 1
Star One Credit Union
Does allow: 1,
State Bank of India (California)
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
United Community Bank
Does allow: 1 (some states)
United States Senate Federal Credit Union
Does allow: 1,
University of Kentucky Federal Credit Union
U.S. Bank
Does allow: 1 (in branch)
US Alliance Financial
Allows: 1
Valley National Bank
WaterStone Bank
Doesn’t allow: 1 (online)
WECU
Doesn’t allow: 1,
Wells Fargo
Wings Financial Credit Union
Does allow with donation to charitable foundation: 1,
Does allow: 1,
Wintrust
Woori America Bank
Does allow: 1,