Disclosures:

To take advantage of the new Simple Checking account cash bonus offer, you must open your account between August 4, 2026 and November 30, 2026, use the promo code WELCOME450, and make at least $1,000 in qualified direct deposits for three consecutive monthly statement cycles. Only one promo code is accepted per customer and bonus is available to original addressee only and is not transferable. You may open your account at a Byline branch or online. You are eligible for the offer when you complete the bonus requirements for three consecutive monthly statement cycles (tracking begins on your second monthly statement cycle and concludes after your fourth monthly statement cycle).

• To apply online for a Simple Checking account visit www.bylinebank.com/welcome450, select “Open Online” and enter the promo code WELCOME450 in the field at the end of the application process labeled ‘Promo Code’. You can find the promo code on the mailer you received.
• To apply at a branch for a Simple Checking account, find a branch near you at www.bylinebank.com/locations, and bring the promo code found in the mailer.

Bonus Requirements:

To receive the Simple Checking cash bonus of up to $450:

1. Open a new Simple Checking account with a minimum of $100 online or in branch using the promo code, and

2. Make a cumulative total of at least $1,000 in qualifying direct deposits during three separate, consecutive monthly statement cycles (bonus tracking begins at the start of the second monthly statement cycle)

3. If the cumulative total of at least $1,000 in qualifying direct deposits is met, a cash bonus increment of $150 will be paid on the last day of each monthly statement cycle for a total cash bonus amount of $450.

Important Terms

The Qualifying direct deposits include all ACH credit transactions. Common ACH direct deposit types are employers sending payroll to employees, government agencies distributing benefits, and tax refunds. We reserve the right to request documentation that the direct deposits qualify. Non-qualifying examples include: teller deposits, wire transfers, ATM transfers or deposits, deposits processed as debit card credit, transfers from any bank or brokerage account, and Account to Account or Peer to Peer (i.e. Zelle®, Venmo) transfers.

Day 1 of the 3-month consecutive statement cycle period starts on the second monthly statement cycle, which begins the bonus tracking period. If you open your account on a day other than a Business Day, Day 1 is the next Business Day. Cash bonus increment of $150 is paid into the checking account on the last day of the statement cycle.

You must meet the direct deposit criteria each month to qualify for the cash bonus (i.e. if you meet the criteria in month one, but not month two or three, you will receive the cash bonus for month one only). It can take up to 130 days for the entire possible bonus amount of $450 to be paid.

Cash bonus may be reported to the IRS for tax purposes, and you are responsible for reporting to the IRS for tax purposes and any applicable taxes. Offer can be changed or canceled without notice at any time and cannot be combined with any other offer. If your balance is zero, we may close your account. If your account is in default or closed before you receive the bonus, you will not receive the bonus. Please see the Personal Deposit Account Agreement and Disclosure and Personal Product & Service Fees Schedule for more information. To avoid a monthly service fee, please see the Personal Online Deposit Rates, Accounts Brochure & Initial Disclosure for minimum balance requirements.

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See incentive details on the bottom section of this page for full disclosures for incentives.

Promotion is available until 11/30/26

Open your account online or in branch.To earn your bonus online:

Open a new Simple Checking account and enter the promo code WELCOME450 at the end of the application process

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Make at least $1,000 in qualified direct deposits during three consecutive months

Earn your bonus

Open a new Simple Checking account online in 3 minutes.

Tracking will begin during the second month after account opening, and will take up to 4 consecutive months to earn the full bonus

We’ll deposit your bonus into your account.

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