[Targeted, VA, MD NC] Atlantic Union Bank $400 Checking Bonus

Update 12/23/25: Deal is back, this time for $400.Still has targeted language but is showing on socials/google results.Hat tip to reader Sj

Update 3/22/25: Offer is back, still has targeted language but showing in various google results.Valid until June 30th.

Hat tip to Gadget

Update 1/19/25: Deal is back, contains targeted language ‘Offer is available only to individuals who received direct communication with the qualifying Promo Code from Atlantic Union Bank.Receiving this disclosure on its own does not entitle a customer to the offer’ but might show when doing a google search.Hat tip to Gadget

Update 1/22/22: Deal is back and valid until April 15, 2022.

Offer at a glance

Maximum bonus amount: $250

Availability: Must reside in Virginia, Maryland or North Carolina

Direct deposit required: Direct deposits of $2,000+

Additional requirements: See below

Hard/soft pull: Soft

ChexSystems: Yes, mixed dp on being sensitive

Credit card funding: Up to $1,500

Monthly fees: None

Early account termination fee: 180 days, $25

Expiration date: November 1, 2021

The Offer

Direct link to offer

Atlantic Union Bank is offering a bonus of of up to $400.Need to complete the following requirements for the first three months:

Set up qualifying direct deposits totaling $2,000 or more within 90 days of account opening.

The Fine Print

Cash Bonus Terms and Conditions: (#1) open a new Free Checking, Loyalty Checking, Preferred Checking, or ThankU Checking account by November 1st, 2021, AND (#2) set up a recurring qualified direct deposit totaling $2,000 or more each month for the three consecutive full statement cycles immediately following the account opening date AND (#3) conduct at least 10 point-of-sale debit card transactions (ATM transactions excluded) each month for the three consecutive full statement cycles (months) immediately following the account opening date.

If you satisfy all of the above requirements, you will receive a $250 cash bonus.Satisfy (#1) AND either (#2) or (#3), get a $100 cash bonus.

Offer is not valid if you have had an Atlantic Union Bank checking account, or have received any Atlantic Union Bank cash bonus offer within the last 12 months.Limit one cash bonus offer per new customer and account.Bonus may not be combined with any other offers.

Atlantic Union Bank reserves the right to alter the terms of the promotion or end it at any time.All accounts are subject to approval.

Cash Bonus Payment: The cash bonus will be deposited in your account within 30 calendar days after all terms of the offer are met.Your checking account must be open and in good standing to receive cash bonus award.Cash bonus value will be reported to IRS as taxable income.

All bank account bonuses are treated as income/interest and as such you have to pay taxes on them

Avoiding Fees

Monthly Fees

They offer a free checking account with no monthly fees.

Early Account Termination Fee

According to the fee schedule you’ll be charged an early account termination fee of $25 if the account is closed within 180 days of opening.

Our Verdict

They have offered as high as $600 in the past, but that required a huge deposit and was more difficult to keep the account fee free.

I think this new bonus is better and worth doing if eligible.We will add it to the best checking bonus page.

Hat tip to reader Avi

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Frequently Asked Questions

Certainly. Unlike personal loans, you won't face any penalties for settling your balance ahead of schedule. However, it's crucial to keep in mind that if your credit card comes with a 0% introductory offer, it's essential to clear your balance completely before the 0% promotion expires and interest charges apply.

However, you can include additional cardholders, each with their own card. While sharing the single credit limit, the primary cardholder remains responsible for settling the debt.

Potentially, yes. Credit card APRs are typically variable, allowing lenders to change rates, impacting your monthly payments. Additionally, be mindful that introductory 0% offers can lead to higher interest rates once they expire. So, it's wise to clear your balance before that happens, if feasible.

Indeed, credit builder cards exist for those with less-than-ideal credit scores. These cards offer lower credit limits (typically £150 to £1,200) and higher interest rates. Responsible use, including full and on-time payments, can gradually boost your creditworthiness, potentially opening doors to better credit card offers down the line.