Take advantage of Unity Bank promotions, bonuses, and offers here!
Update 9/17/25: There’s currently a $300 or $400 checking bonus available or a limited time.
Unity Bank $300 or $400 Checking Bonus
Earn a $300 or $400 bonus when you open a new checking account and meet the qualifying requirements.
- What you’ll get: $300 or $400 bonus
- Account Type: Checking
- Availability: NJ, PA (Locator)
- Direct Deposit Requirement: Yes (see what works)
- Credit Inquiry: Soft Pull
- ChexSystem: Unknown
- Credit Card Funding: Unknown
- Monthly Fees: $3 or $20; waivable
- Early Account Termination Fee: Not listed
- Household limit: None listed
(Limited time offer)
Editor’s Note: See an alternative link to the offer here.
| BMO Smart Money Checking ($400 cash bonus*) | BMO Smart Advantage Checking ($400 cash bonus*) |
| KeyBank Key Smart Checking ($300 bonus) | Chase Total Checking® ($300 bonus) |
| Bank of America ($500 bonus offer) | SoFi Checking and Savings ($325 bonus) |
How To Earn Bonus
HOW TO EARN BONUSFINE PRINT
- Everyday Checking:
- To qualify for a $300.00 cash bonus, you are required to conduct at least four (4) Direct Deposits of at least $1,500 to your new account within 180 days of opening.
- The bonus will be deposited within fourteen days (14) of meeting the promotion requirements.
- Use Promo Code: 1144
- Rewards Checking:
- To qualify for a $400.00 cash bonus, you are required to conduct at least four (4) Direct Deposits of at least $2,500 to your new account within 180 days of opening. Direct Deposit must be an electronic deposit of your paycheck, pension, or government benefits (such as Social Security) from your employer or the government.
- The bonus will be deposited within fourteen days (14) of meeting the promotion requirements.
- Use Promo Code: 1145
- Everyday Checking Account. Minimum deposit required to open an account is $50.00. Monthly service fee of $3.00. Monthly service fee can be avoided with one or more of the following: Direct deposit of $1,000 or more in a statement cycle; 12 POS transactions with Unity Bank debit card; $50 or more transfer to Unity Bank savings account in a statement cycle; Students (age <=24), seniors 65+, & first responders receive no monthly service fee. Additional account perks include: ATM fees waived for students (up to $20 per statement cycle); Paper statement fee of $5.00 waived with estatement enrollment.
- Cash Bonus Offer. Offer valid beginning April 7th, 2025. Offer can be withdrawn at any time. Applicable for consumer accounts only. This offer is only available to customers who currently do not maintain a checking account relationship with Unity Bank. To qualify for a $300.00 cash bonus, you are required to conduct at least four (4) Direct Deposits of at least $1,500 to your new account within 180 days of opening. Direct Deposit must be an electronic deposit of your paycheck, pension, or government benefits (such as Social Security) from your employer or the government. The bonus will be deposited within fourteen days (14) of meeting the promotion requirements. Your checking account must remain in an open status in order to receive the bonus. May be IRS reportable. Unity Bank reserves the right to limit an individual to one account-related gift incentive per rolling 12-month period across all deposit account relationships.
- Rewards Checking Account. Minimum deposit required to open an account is $100.00. Monthly service fee of $20.00. 12 point of sale (POS) transactions with Unity Bank debit card and one additional qualifier is required to waive monthly service fee. Qualifiers include: Direct deposit of $1,000 or more in a statement cycle; Online banking automatic transfer (any amount) to a Unity Bank Savings Account (per statemet cycle); Combined daily balance of $25,000.00 or more in a Unity Bank savings/MMDA/CD. Additional account perks include earning 1% cash back (up to $10) on purchases per statement cycle; $5.00 paper statement fee waived with eStatement enrollment; First order of basic checks is free.
- Cash Bonus Offer. Offer valid beginning April 7th, 2025. Offer can be withdrawn at any time. Applicable for consumer accounts only. This offer is only available to customers who currently do not maintain a checking account relationship with Unity Bank. To qualify for a $400.00 cash bonus, you are required to conduct at least four (4) Direct Deposits of at least $2,500 to your new account within 180 days of opening. Direct Deposit must be an electronic deposit of your paycheck, pension, or government benefits (such as Social Security) from your employer or the government. The bonus will be deposited within fourteen days (14) of meeting the promotion requirements. Your checking account must remain in an open status in order to receive the bonus. May be IRS reportable. Unity Bank reserves the right to limit an individual to one account-related gift incentive per rolling 12-month period across all deposit account relationships.
How To Waive Monthly Fee
- Reward Checking: $20 Monthly Service Fee waived with:
- REQUIRED: 12 Point of Sale (POS) Transactions with Unity Bank Debit Card AND 1 or more below to qualify:
- Direct Deposit of $1,000 or more in a Statement Cycle; OR
- Online Banking Automatic Transfer (any amount) to a Unity Bank Savings Account (per statement cycle); OR
- Combined daily balance of $25k or more in a Unity Bank Savings/MMDA/CD
- Everyday Checking: $3 Monthly Service Fee waived (1 or more below to qualify)
- Direct Deposit of $1,000 or more in a Statement Cycle; OR
- 12 Point of Sale (POS) Transactions with Unity Bank Debit Card; OR
- $50 or More Transfer to Unity Bank Savings Account in a Statement Cycle
- Students (Age <=24), Seniors 65+, & First Responders Receive No Monthly Service Fee
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Bottom Line
Although you can earn a generous bonus from Unity Bank, check out our list of bank promotions for more offers. With fantastic offers such as Money Market and CD rates, you are able to get the most out of your banking experience!
Compare Unity Bank Promotions with other bank bonuses from banks like U.S. Bank, Citi, Huntington, HSBC, Chase, TD Bank, Discover Bank, Axos Bank, PNC Bank, BMO, SoFi, and more!
