The program centers on an annual $100 cash bonus for clients who maintain specific direct deposit requirements. To qualify, account holders must record at least $60,000 in eligible electronic deposits during a 12-month evaluation period, with at least one transaction occurring in the final two months of that window. According to Josh Miller, Head of Consumer Acquisition Marketing & Product, the initiative was built to reward consistent banking relationships rather than relying on one-time incentives.

To manage these requirements, the bank introduced a digital Bonus Tracker within its mobile app, allowing users to monitor their progress toward the annual reward in real time. Beyond the bonus structure, the account includes features such as fee-free ATM access at over 40,000 locations, overdraft protection for balances overdrawn by $20 or less, and the Early Pay service, which can accelerate access to direct deposits by up to two days.