Metropolitan National Bank has a $200 bonus promotion if you’re willing to jump through a few hoops and sign up for their free personal checking. You can apply outside of New York but you’ll have to send a copy of your driver’s license and a copy of a utility bill to verify your name and address. You’ll also have to send a copy of your paycheck to verify a direct deposit. It’s a little more work but it is a $200 bonus.

Terms & Conditions:

Free checking $200 bonus offer is subject to change without notice, limited to one account per customer. Free checking $200 bonus requires activating full, direct deposit ($500 minimum) of recurring payroll, government benefits or pension disbursements. $200 bonus will be credited to the account (approximately 30 days) after first full, qualifying direct deposit posts to your account. The initial qualifying direct deposit must be made within 60 days of account opening. We also require that qualifying, full direct deposits be made continually for no less than six months from the date of the initial qualifying direct deposit. Should these deposits be terminated or the account closed prior to six months, any paid bonus will be charged from your account or shall be otherwise due to us. The bonus is considered interest and will be reported to the IRS with form 1099-int.