Take advantage of Cape & Coast Bank promotions, bonuses, 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 a new checking account and meet the qualifying requirements.
- What you’ll get: $250 or $500 bonus
- Account Type: Checking
- Availability: MA (Locator)
- Direct Deposit Requirement: Yes (see what works)
- Credit Inquiry: Soft Pull
- ChexSystem: Unknown
- Credit Card Funding: $100
- Monthly Fees: $0-$15; waivable
- Early Account Termination Fee: Not listed
- Household limit: None listed
(Expires 12/31/2026)
| BMO Smart Money Checking ($400 cash bonus*) | BMO Smart Advantage Checking ($400 cash bonus*) |
| KeyBank Key Smart Checking ($300 bonus) | SoFi Checking and Savings ($325 bonus) |
| Bank of America ($500 bonus offer) | U.S. Bank Smartly® Checking ($450 bonus) |
How To Earn Bonus
HOW TO EARN BONUSFINE PRINT
- 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.
- 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 a new business checking account and meet the qualifying requirements.
- What you’ll get: $250 bonus
- Account Type: Business Checking
- Availability: MA
- Direct Deposit Requirement: No
- Credit Inquiry: Soft Pull
- ChexSystem: Unknown
- Credit Card Funding: $100
- Monthly Fees: None with Free Business Checking
- Early Account Termination Fee: Not listed
- Household limit: None listed
(Expires 12/31/2026)
| U.S. Bank Business Checking ($400 or $1200 Bonus) | Chase Business Checking ($300 or $500 Bonus) |
| Axos Business Premium Savings ($600 Bonus) | Axos Bank Basic Business Checking ($200 Bonus) |
| Huntington Unlimited Business Checking ($400 Bonus) | Huntington Unlimited Plus Business Checking ($1,000 Bonus) |
| Bank of America Business Checking ($400 or $750 bonus offer) | |
How To Earn Bonus
HOW TO EARN BONUSFINE PRINT
- 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.
- 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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Bottom Line
Although you can earn a generous bonus from Cape & Coast 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 Cape & Coast Bank Promotions with other bank bonuses from banks like U.S. Bank, Citi, Huntington, HSBC, Chase, TD Bank, Axos Bank, PNC Bank, BMO, SoFi, and more!
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