Posted by William Charles on April 16, 2017
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Published on April 16th, 2017 | by William Charles


[NY only] Ballston Spa National Bank (BSNB) In Branch $250 Checking Bonus

Offer at a glance

  • Maximum bonus amount: $250
  • Availability: NY only, must open in branch [Branch Locator]
  • Direct deposit required: Yes, $400+
  • Additional requirements: See below
  • Hard/soft pull: Soft
  • ChexSystems: Unknown
  • Credit card funding: Unknown
  • Monthly fees:
  • Early account termination fee: $20, 180 days
  • Household limit: One
  • Expiration date: None listed

The Offer

Direct link to offer

  • Earn $250 when you open a new qualified BSNB (Ballston Spa National Bank) checking account. Requirements are as follows:
    • Open a Free Direct Checking, GO Checking, or Premier Checking account
    • Receive a qualifying direct deposit of $500 or more at least once per month within 60 days of account opening


The Fine Print

  • To qualify for the $250 reward, you must open a new Free Direct Checking, GO Checking, or Premier Checking account and receive a direct deposit of a paycheck, pension or government benefit check in an amount of $500 or more at least once per month within 60 days of account opening.
  • Account must be open and in good standing to receive the cash reward.
  • Cash reward paid within 90 days of account opening.
  • All cash awards may be subject to 1099 tax reporting.
  • This offer may not be combined with any other offer and does not apply to second or multiple checking accounts within the same household or for customers who have closed a checking account within the last 180 days
  • All bank account bonuses are treated as income/interest and as such you have to pay taxes on them

$25 Referral Bonus

Might also be possible to get another $25 via  referral bonus. More info here.

Avoiding Fees

The Go Direct checking account has no monthly fee to worry about. According to the fee schedule there is a $20 early account termination fee if the account is closed within 180 days.

Our Verdict

Previously they offered a $160 personal checking bonus and they still offer a $240 business checking bonus you could do at the same time if you qualify. This is likely to be a deal worth doing if you live near a branch and if it’s also a soft pull to open the account. As always please share your data points if you decide to go for this bonus.

Big thanks to reader, Curmudgeon who let us know. Learn how to find bonuses and contribute to the site here.

Useful posts regarding bank bonuses:

7 Responses to [NY only] Ballston Spa National Bank (BSNB) In Branch $250 Checking Bonus

  1. John says:

    Fees found at
    $20 Early Account Closure Fee – within 180 days of opening

  2. Alex says:

    Thanks, I signed up for this today. Minor error in the post, It’s a $500 direct deposit, not $400

  3. Himanshu Bhardwaj says:

    Anyone know if I could do an ach from another bank and would that qualify for a dd?

  4. Saabfan says:

    DP: Soft pull.

    Also, there is a $25 referral bonus. $25 goes to each party. So, if you want me to refer you before opening, let me know @ Or as an alternative, I just asked someone who was there when I went to open my account if they would refer me and they agreed.

    • How does the referral bonus work?

      • Saabfan says:

        I downloaded the form ( and printed it out, but when I got to the bank, they had the forms there already. You just fill it out and submit it. Bonus is deposited within 30 days of account opening.

        • Saabfan says:

          So I was denied the referral bonus given for being referred by someone else (in this case i would be the referree [not a word, but so what]).

          They said I cannot get the checking bonus and the referral bonus.

          However, they did pay me the referral bonus when i referred someone else. I will fight for the other $25 after I get the checking bonus, as I don’t see where it says that I cannot get both.

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