I’ve been tracking bank bonuses for years, and when I see a bank offering $775 for new checking customers, it immediately gets my full attention. TBK Bank’s AIM Checking bonus isn’t just the highest payout I’ve seen in 2025 – it’s structured in a way that rewards multiple banking behaviors, making it potentially valuable for people who want a comprehensive banking relationship.
Let me break down this massive bonus and help you decide if it’s worth pursuing.
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TBK Bank’s $775 Bonus: Five Ways to Earn
What makes this offer unique is that it’s not one big bonus – it’s five separate bonuses that add up to $775:
The $500 Direct Deposit Bonus (The Big One)
- 3 direct deposits totaling $12,000+ over 120 days
- That’s an average of $4,000 per direct deposit
- Achievable for most professionals or dual-income households
The $50 Auto Transfer Bonus (Easy Money)
- Set up 3 recurring transfers to a TBK savings account
- Could be as simple as $1 weekly transfers for 3 weeks
- Essentially free money for opening a savings account
The $75 Bill Pay Bonus (Moderate Effort)
- 9 bill pay transactions over 120 days
- About 2-3 bill payments per month
- Easy if you pay utilities, rent, or other bills online
The $75 Point-of-Sale Bonus (Requires Active Use)
- 50 debit card transactions over 120 days
- About 12-13 transactions per month
- Requires using TBK as your primary spending account
The $75 TBK at Work Bonus (Unclear)
- Requires being a “TBK at Work” participant
- Need a referral code
- This might be the hardest to qualify for without existing connections
Trending Savings Account Deal:
Is This Bonus Worth Your Time? Let’s Do the Math
I always calculate the effort-to-reward ratio for bank bonuses. Here’s my analysis:
Time investment:
- Account opening: ~30 minutes
- Setting up direct deposit: ~15 minutes
- Setting up auto transfers: ~10 minutes
- Setting up bill pay: ~15 minutes
- Total time: ~70 minutes
Money requirements:
- $12,000 in direct deposits over 120 days (money you’d earn anyway)
- Small amounts for auto transfers and bill payments
For about 70 minutes of setup time and using the account actively for 4 months, you could earn up to $775. That’s an exceptional return on investment.
The Account Features: Premium Banking with a Price
The AIM Checking account comes with genuinely premium features:
The Good Stuff
- Earns interest on your entire balance
- Unlimited ATM fee rebates (when monthly fee is waived)
- Up to $50 in wire fee rebates per statement cycle
- Free checks, cashier’s checks, and paper statements
- $15 annual safe deposit box discount
The Monthly Fee Reality
- $24 monthly service charge unless you meet one of these waivers:
- $5,000 average available balance, OR
- $25,000 total relationship balance, OR
- $4,000 in monthly direct deposits
This is a premium account with premium requirements. The monthly fee waiver essentially requires you to use TBK as your primary bank.
Trending Checking Account Deal:
Who Should Jump on This Offer?
This bonus is particularly attractive for:
1. High-Income Earners
The $12,000 direct deposit requirement over 120 days means you need substantial regular income. This works best for professionals earning $75,000+ annually.
2. Those Seeking Premium Banking Features
If you value unlimited ATM rebates, wire fee rebates, and interest-earning checking, the ongoing account benefits justify the requirements.
3. Active Banking Users
The point-of-sale and bill pay bonuses reward people who use their bank account actively rather than just parking money.
4. People Looking for a Primary Banking Relationship
The fee waiver requirements essentially require you to make TBK your main bank, so this works best for people ready to consolidate their banking.
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Who Should Pass on This Offer?
This bonus might not be worth it if:
1. You Can’t Meet the Direct Deposit Requirement
Without $12,000 in direct deposits over 4 months, you miss the biggest bonus component ($500).
2. You Prefer Simple Banking
The multiple bonus components and premium account features make this more complex than basic checking.
3. You Can’t Maintain the Fee Waiver Requirements
The $24 monthly fee will quickly eat into your bonus if you can’t maintain the minimum balances or direct deposits.
4. You’re Outside TBK’s Service Area
TBK Bank operates primarily in Texas, so this is most convenient for Texas residents.
My Strategy for Maximizing This Bonus
If you decide to pursue this bonus, here’s my recommended approach:
1. Focus on the Big Money First
Prioritize the $500 direct deposit bonus – it’s 65% of the total potential payout.
2. Knock Out the Easy Ones
Set up the auto transfers immediately for the quick $50 bonus.
3. Use TBK for Bill Payments
Route 9 bill payments through TBK over the 120-day period for the $75 bonus.
4. Plan Your Debit Usage
If you can comfortably make 50 debit transactions over 4 months (about 3 per week), go for the point-of-sale bonus.
5. Skip the TBK at Work Bonus if Unclear
Don’t stress about the $75 TBK at Work bonus if you don’t have a clear path to qualify.
The Geographic Reality Check
TBK Bank is based in Texas and operates primarily in the Southwest. While they may accept customers from other states, this offer is most practical for Texas residents who can easily access branches and services.
My Take: A Premium Bonus for Premium Banking
After analyzing hundreds of bank bonuses, I can say this TBK offer is genuinely exceptional for the right customer. The $775 total potential is the highest I’ve seen from a regional bank, and the underlying AIM Checking account has premium features that justify the requirements.
What I particularly like is the modular structure – you can earn partial bonuses even if you don’t complete every requirement. The $500 direct deposit bonus alone is substantial and achievable for many professionals.
The main limitations are the high income requirements and the premium account’s ongoing fee structure. This isn’t a “set it and forget it” bonus – it requires active engagement with TBK as your primary bank.
How to Apply for the TBK $775 Bonus
Ready to pursue this massive bonus? Here’s how to get started:
- Confirm you’re in TBK’s service area (primarily Texas)
- Schedule an appointment or visit a TBK branch
- Open an AIM Checking account with $100 minimum deposit
- Set up direct deposit to route at least $12,000 over 120 days
- Open a TBK savings account and set up automatic transfers
- Set up bill pay for at least 9 transactions over 120 days
- Use your debit card actively if going for the point-of-sale bonus
- Track your progress to ensure you meet all requirements within 120 days
- Receive your bonuses the business day after the 120-day period ends
Final Thoughts: The Biggest Bonus for the Right Customer
Bank bonuses are one of my favorite ways to earn extra money, and this TBK offer is particularly compelling for high-income earners who want premium banking features. The $775 potential payout is exceptional, and the modular structure means you can still earn substantial bonuses even if you don’t complete every requirement.
The key is being realistic about whether you can meet the direct deposit requirements and maintain the account’s fee waiver conditions long-term. If you can, this could be both a substantial bonus and a valuable banking relationship.
Remember that this offer runs through September 26, 2025, so you have time to plan, but don’t wait too long if you’re interested.
Disclaimer: This offer is valid through September 26, 2025. Terms and conditions are subject to change. Always verify current offer details directly with TBK Bank before applying.
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