UnknownTerms not verified. Confirm the official terms before applying.
Tier
$400 tier: $1,000 direct deposit
Eligibility
Unknown
Deadline
Oct 31
Expected net
$400 gross; net unknown
The money
Overview
You are tracking: $400 tier: $1,000 direct deposit
Gross bonus
$400
Expected fees
Unknown
No fee data; not estimated
Opportunity cost
Unknown
No balance data; not estimated
Gross; net unknown
$400
Net unknown: monthly account fees, opportunity cost not on file.
$400 gross; net unknown.
Not enough info to estimate effort yet.
Unknown. Verify the terms before you apply.
- Worth $400 gross; net unknown (monthly account fees, opportunity cost not on file).
- Offer ends Oct 31, 2026 ().
- 2 anecdotal community data points on how this bonus actually posts.
Verdict: Unknown. Computed from 4 eligibility rules, no extracted fee terms, and your tracked activity.
Value calculatorShowHide
True value, pre-tax
$400
$400 gross; net unknown (monthly account fees, opportunity cost not on file).
Headline bonus+$400
Source: Bonus tier: $400 tier: $1,000 direct deposit
Monthly account fees
UnknownNo monthly fee on file for this institution, so fees are not estimated. Check the official terms page before applying.
Opportunity cost
UnknownNo minimum balance requirement on file, so the cost of parking money here instead of savings is not estimated.
What went into this number
Assumptions
- Hold window: Figures assume the account stays open 6 months as a planning horizon. This is not a statement about when it is safe to close; check the official terms before closing.
- Savings benchmark: Opportunity cost is measured against 4.5% APY when a minimum balance is known.
- Estimated tax: Tax is estimated at a 22% marginal rate once the net is known.
Provenance
- Headline bonus: Bonus tier: $400 tier: $1,000 direct deposit — Doctor of Credit (Tier B), AI-extracted, unverified (trust tier secondary)
Try your own numbers
DemoDemo inputs only. They change the math above and are not saved.
Wait or actShowHide
Wait or act
Bonus history for First Gulf Bank
Not enough history yet.
No history yet. It builds as new offers are discovered.
Fees to avoidShowHide
No fee terms extracted yet for this offer.
Before applying, verify on the official terms page: the monthly maintenance fee and how to waive it, out-of-network ATM fees, and any paper-statement fee. A $12/month fee wipes out $144 of bonus value a year.
StacksShowHide
No stacks found for this one yet.
DealOS only lists a stack when there is concrete evidence for it: a shared institution, a merchant match, or explicit referral terms.
AlternativesShowHide
SunState Credit Union
SunState Credit Union $300 Checking Bonus
$300
gross; net unknown
Magnolia Bank
Magnolia Bank $500 Checking Bonus
$500
gross; net unknown
Palmetto Bank
Palmetto Bank $600 Checking Bonus
$600
gross; net unknown
Citrus Direct
[Targeted] Citrus Direct $750 Checking Offer
$750
gross; net unknown
Gator Community Bank
Gator Community Bank $250 Checking Bonus (Branch Only)
$250
gross; net unknown
Sabal Bank
Sabal Bank Checking Bonus
$400
gross; net unknown
Eligibility check
Can you do this?
Available in FL, GA, AL
Your profile state is FL.
New-customer requirement
No First Gulf Bank account on record, but your account history has not been verified, and a missing entry is not proof of none. Confirm you never held one.
12-month bonus cooldown
No prior First Gulf Bank bonus on record, but bonus history has not been verified, and a missing entry is not proof of none.
SSN or ITIN required
Your profile does not record tax-ID status yet. Confirm you can provide an SSN or ITIN.
Why we think this
- 4 structured eligibility rules evaluated against your profile. Every conclusion above shows its factors.
- Doctor of Credit · Tier B · High confidence · backs bonus amount, direct deposit requirement, expiration date, chexsystems sensitivity
- 2 community data points. Anecdotal, never treated as terms.
- Last checked · data may be stale
Check yourself: answer honestly, the verdict follows your answers
Answer a few questions about your situation. Your answers drive the verdict below; nothing here is guessed. You can change any answer later.
Your quiz result
Needs review
Some questions are unanswered or marked not sure. Answer them, or check the official terms.
Still to answer: 3 of 3 questions.
This quiz only checks what you told it. It is not the official terms: confirm everything on the official terms page before applying.
Your game plan
Action plan
Every requirement in one list. Each task is labeled by where its status comes from, so you always know what was verified and what still needs evidence.
- Open accountUnknown · needs evidence
Open a First Gulf checking account
Tap to mark done - Direct depositUnknown · needs evidence$0 of $1,000 · Keep going
Direct deposit totaling $1,000 within 90 days
Within 90 days of openingTap to mark done
Your own tasks
Steps you manage yourself, kept separate from the automatic progress above.
0 of 2 done
No personal tasks yet. Add your own below and they will join your action plan.
Your tasks, your rules. Checking a task here never moves the automatic progress above: that updates when you log activity. Everything here lives only on this device (demo).
Your logged activityShowHide
Activity
Your personal log of what happened with this offer, in your words. Entries are recorded by you and are never verified by DealOS. Logging here does not change your checklist, your requirements, or the DealOS verdict.
No activity logged by you yet. Progress imported from elsewhere shows up in the checklist above.
The countdown
Timeline
Offer discovered
Sep 15, 2026
First seen via ingestion
Account opened
Not started
Requirement deadline
Set once you open the account
Expected payout
After requirements are met
Closure terms
Unverified: no early-closure terms on file. Check the official terms before you close.
Eligible again
After any cooldown period
Closure analysisShowHide
No early-closure terms are on file for this offer, so the closure terms are unverified. Bank bonuses sometimes claw back the payout if the account closes early; do not close without checking the official terms. Six months is a rule of thumb, not bank policy, so DealOS will not present it as a safe-to-close date.
Closure
EstimateSafe to close on
Unknown
The terms do not state an early-closure period.
Eligible again on
Unknown
12 months per published terms — add your open date below to get the exact date
Saved on this device only. The dates above need the open date to anchor the terms period.
Estimated from the published terms, not bank-confirmed.
Receipts
Evidence and sources
Doctor of CreditImported
Bonus amount
high$400
“Maximum bonus amount $400”Offer at a glance box
Direct deposit requirement
high$1,000
“Direct deposit required: $1,000”Offer at a glance box
Expiration date
highOct 31, 2026
“Expiration date 10/31/26”Offer at a glance box
ChexSystems sensitivity
lowUnknown
Community data pointsShowHide
Anecdotal reports
Community reports are kept separate from official terms and are never presented as fact.
Sample: bonus posted 8 days after second direct deposit.
Single report; timing may vary.
Sample: ACH transfer from an online bank counted as direct deposit.
Anecdotal. Bank may reclassify ACH methods at any time.
Your documentsShowHide
No documents saved for this deal yet
Terms screenshots, statements, and 1099s stay on this device in demo mode.
Evidence locker
Nothing filedTerms screenshots, payout confirmations, and 1099s for this deal. Everything stays in this browser and never leaves this device in demo mode.
No evidence filed for this deal yet. Add a terms screenshot or payout statement above and it will live here, pinned to this deal.
Offer historyShowHide
Snapshot · Doctor of Credit
Captured Sep 15, 2026 · https://www.doctorofcredit.com/sample-first-gulf-bonus/
“Sample excerpt: Offer at a glance: Maximum bonus amount $400...”
Demonstration data. Institutions, bonuses, and terms on this page are fictional samples, not real offers. Always verify terms on the official page before applying.