Find the latest Cape & Coast Bank bonuses, promotions, and offers here.
Update 3/17/26: There’s currently a $250/$500 personal checking and $250 business checking bonus valid through 12/31/26.
Cape & Coast Bank $500 Checking Bonus
Earn a $500 bonus when you open qualifying checking account and meeting certain requirements.
- What you’ll get: $250 or $500 bonus
- Eligible account: Checking
- Availability: MA (Locator)
- Credit Inquiry: Soft Pull
- Direct Deposit Required: Yes
- Monthly Fees: $0-$15; waivable
- How to earn it:
- 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.
- To Receive $250 Free Checking Bonus:
- Open and maintain a new Free Checking for 90 calendar days and
- Have electronic direct deposits totaling $500 or more post to and clear that account within the 90-day period.
- If all requirements are met, the $250 bonus will be deposited into your Free Checking no later than 120 calendar days after account opening.
- To Receive $500 SmartRate Checking Bonus:
(Expires 12/31/2026)
| Bank of America Checking ($500 Bonus Offer) | KeyBank Checking ($300 bonus) |
| SoFi Checking & Savings Account ($325 bonus) | U.S. Bank Smartly® Checking ($450 Cash Bonus) |
Fine Print
- 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. See SmartRate Checking Account information below for additional account information.
- To Receive $250 Free Checking Bonus: Open and maintain a new Free Checking for 90 calendar days and have electronic direct deposits totaling $500 or more post to and clear that account within the 90-day period. If all requirements are met, the $250 bonus will be deposited into your Free Checking no later than 120 calendar days after account opening.
Cape & Coast Bank $250 Business Checking Bonus
Earn a $250 bonus when you open qualifying business checking account and meeting certain requirements.
- What you’ll get: $250 Bonus
- Eligible account: Business Checking
- Availability: MA
- Credit Inquiry: Soft Pull
- Direct Deposit Required: No
- Monthly Fees: None with Free Business Checking
- How to earn it:
- To Receive $250 Free Business Checking Bonus:
- Open a new Free Business Checking and
- Maintain an average monthly balance of $500 or more during the first 90 calendar days of account opening.
- If all requirements are met, the $250 bonus will be deposited into your Free Business Checking no later than 120 calendar days after account opening.
- To Receive $250 Free Business Checking Bonus:
(Expires 12/31/2026)
| U.S. Bank Business Checking ($400 or $1200 Bonus) | Chase Business Checking ($300 or $500 Bonus) |
| Axos Bank Basic Business Checking ($200 Bonus) | Axos Business Premium Savings ($600 Bonus) |
| Huntington Unlimited Plus Business Checking ($1,000 Bonus) | Huntington Unlimited Business Checking ($400 Bonus) |
| Bank of America Business Checking ($400 or $750 bonus offer) | |
Fine Print
- 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 $250 Free Business Checking Bonus: Open a new Free Business Checking and maintain an average monthly balance of $500 or more during the first 90 calendar days of account opening. If all requirements are met, the $250 bonus will be deposited into your Free Business Checking no later than 120 calendar days after account opening.
How To Waive Monthly Fee
- SmartRate Checking: $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
- Free Checking: No monthly fee
- Free Business Checking: No monthly fee
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Conclusion
Although these bank promotions are rather generous, you can also utilize our list of Savings, Money Market, and CD rates.
If you are not eligible for these promotions, use our bank bonuses page to find other offers. Some popular bank offers include Chase Bank, TD Bank, Huntington Bank, HSBC Bank, and many more.
Check back often for more Cape & Coast Bank Bonuses, Promotions, or Offers!
