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Many banks also require that you link direct deposit to your account to get the sign-up bonus, which can be problematic if you work for a company that doesn’t support it. I opened a citizens bank account and wanted to get the 300 bonus. I thought the initial deposit counted as an ACH but I dont think it does. I transferred from Chase to citizens bank to meet the sign up bonus for citizens bank but the transaction shows RTP while the initial fund marked as direct deposit. I signed up all four family members to open individual Citizens Bank accounts because of this promo and received 2,400 in total bank bonuses.

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