First Merchants Checking Bonus | $400–$600

As of Nov 6, 2026: Open Prosper Checking by Dec 31, 2026 and set up a $500+ direct deposit within 90 days for $400, or open Prosper Plus, deposit $25,000 within 7 days and keep it through day 90 for $600.

Bonus: $400–$600
Best for: New customers around Michigan.
Open without an SSN?: No
Direct deposit?: Required
Time needed: ~180 days
Available in: All states (The promotion is called MIPROSPER and targets Michigan; check the official page for eligibility)
Expires: Dec 31, 2026

Direct deposit

Risk warning

Bonuses are usually taxable as interest. The bank's official terms prevail; check the official page before opening. Closing early may mean the bonus is clawed back or a fee applies.

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We will never ask for your SSN, passport number or bank account number. Account applications are completed only on the bank's or provider's official website, never through this site.

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Bonus$400–$600Checklist ApplyPublic link

Checklist

0 of 4 steps done

1.Open Prosper or Prosper Plus by Dec 31, 2026 with the promo code or a banker
2.Prosper: set up a $500+ direct deposit within 90 days
3.Prosper Plus: deposit $25,000 within 7 days and keep it through day 90
4.Paid in month six; keep the account at least 6 months

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FAQ

No direct deposit?

Choose Prosper Plus and deposit $25,000 for $600.

Closing early?

Within 6 months you repay the bonus plus a $50 fee.

Is it still running?

Terms run to 12/31/2026, but another page says it ended — confirm with the bank.

Official source

Official terms page

Last checked: Nov 6, 2026

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First Merchants Checking Bonus | $400–$600

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