Cape & Coast Bank Promotions: $250, $500 Checking, Business Bonuses (MA)

Find the latest 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

• What you’ll get: $250 or $500 bonus
• Availability: MA (Locator)
• Direct deposit requirement: Yes
• Credit Inquiry: Soft Pull
• 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.

(Expires 12/31/2026)

Cape & Coast Bank $250 Business Checking Bonus

• What you’ll get: $250 bonus
• Availability: MA
• Direct deposit requirement: No
• Credit Inquiry: Soft Pull
• 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.

(Expires 12/31/2026)

How to Avoid 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

Author’s Verdict

For more current offers, check out our bank bonuses page. Compare Cape & Coast Bank rates for CDs and Savings with our best rates for Savings and CD accounts.

Be sure to check more popular bank promotions include Chase Bank, TD Bank, Huntington Bank, HSBC Bank, and many more.