Bank Bonuses in Virginia
179 bonus offers available in Virginia — including national offers and Virginia-specific promotions.
SkyOne's Big Business Bonus: A 1% Payout on Your Balance (Up to $50K)
SkyOne Federal Credit Union offers a 1% cash bonus on new or increased business balances ($100k min). Earn up to $50,000 by maintaining funds for 90 days. Offer ends 12/31/25.
Is Bask Bank's 15,000 Mile Bonus Worth Tying Up $50k?
Bask Bank offers 15,000 American Airlines miles for depositing $50k and holding it for 180 days. No interest is paid, just miles. Here's the math and whether it beats a HYSA.
Snag 10,200 MyPoints for Opening an Alliant Credit Union Savings Account
Open a High-Rate Savings account through MyPoints and earn 10,200 bonus points. A solid offer, but watch the eligibility rules and portal tracking.
HSBC Premier's Big Bonus: Is the $7,000 Offer Right for You?
HSBC Premier checking offers up to $7,000 for new assets, but requires a $100k+ relationship. Bonus tiers from $1,500 to $7,000. Account must be opened by March 31, 2026.
A Stellar 10% Return for Non-Profits: SkyOne's Generous 'Donation' Bonus
SkyOne Federal Credit Union offers a 10% 'donation' bonus to 501(c)(3) organizations for parking funds for just 30 days. Deposit tiers range from $10k to $50k, with bonuses from $1k to $5k. Offer ends March 31, 2026.
Is Wells Fargo's $2,500 Premier Checking Bonus Worth the High Stakes?
A $2,500 bonus for moving a quarter-million dollars. We break down the 90-day commitment, tax implications, and whether the elite account perks justify the effort before the April 2026 deadline.
GreenState Credit Union's Holiday Savings Boost: 3.00% APY + Up to $1,600 in Quarterly Bonuses
Open a high-yield savings account through Raisin by Dec 31, 2025 with promo code GIFT. Earn 3.00% APY plus quarterly cash bonuses through 2026, with up to $1,600 total for maintaining a $250k+ balance.
Mission Valley Bank's Savings Combo: A Solid Rate Plus a Big Bonus
Earn a 3.86% APY and up to $1,500 cash by opening a high-yield savings account through Raisin. Offer requires a new account and qualifying deposit by Feb 28, 2026.
Blue Federal Credit Union's Money Market: A Solid 3.75% APY with a Chance for a $1,500 Bonus
Blue FCU offers a nationwide money market account at 3.75% APY with just $1 to open. Through Raisin, new customers can also earn a cash bonus up to $1,500 by depositing significant funds by Feb 28, 2026.
HealthcareBank Money Market: A Solid 3.40% APY Plus a Chance at $1,500
HealthcareBank's money market account offers 3.40% APY nationwide with a $1 minimum. Through Raisin, new customers can earn a cash bonus up to $1,500 by depositing $10k+ by 2/28/26.
Citi's Big Checking Bonus: How to Snag Up to $1,500 (But Read This First)
Citi is offering up to $1,500 for opening a new checking account by April 13, 2026. You'll need a large balance or direct deposits to qualify. Here's how it works and what to watch for.
BMO's Business Checking Bonus: Up to $1,000 for Your Company
BMO is offering a cash bonus of $400, $750, or $1,000 for opening a new business checking account. You must open by Jan 28, 2026 and maintain a qualifying balance for 90 days.
Chase's $900 Combo Bonus: A Solid Deal with Some Fine Print
Chase offers up to $900 for opening a checking and savings account. Get $300 for checking with direct deposit, $200 for savings with a $15k deposit, and a $400 combo bonus. Offer expires April 15, 2026.
Chase's $900 Bonus: A Big Win for New Customers (But Mind the Details)
Chase offers up to $900 for opening checking & savings accounts. Get $300 for checking with direct deposit, $200 for savings with $15k deposit, plus a $400 combo bonus. Offer ends 04/15/2026.
Wells Fargo's $825 Business Checking Bonus: A Solid Return for Your Cash
Wells Fargo offers up to $825 for opening a business checking account. Deposit $25k, maintain it for 60 days, and get paid. Offer ends May 5, 2026.
PenFed's $750 Checking Bonus: A Solid Offer for Your Cash Reserves
PenFed Credit Union offers up to $750 for new checking accounts with a $50k deposit. Funds must stay from Jan 31 to May 29, 2026. Offer ends Jan 31, 2026. Requires membership.
How to Snag Up to $715 from SoFi and Swagbucks (But Read This First)
Stack a Swagbucks bonus with SoFi's own offer for a potential $715 payout. Requires new account, specific direct deposits, and careful timing. Details and caveats inside.
Stacking Rewards: How to Score $550 from SoFi and Rakuten
Open a SoFi Checking & Savings via Rakuten to earn $250 cash back, then trigger SoFi's own $300 bonus with direct deposit. A potential $550 total, but timing and deposit rules are key.
Pillur's Business Checking Bonus: A $500 Boost for Your Small Business
Pillur (MSU FCU) offers a $500 bonus for new business checking accounts. Deposit $10k for 90 days and make 5 transactions. No monthly fees. Offer ends 9/30/25.
Capital One's Business Checking Bonus: Is $500 Worth Your Time?
Capital One offers up to $1,000 for opening a business checking account. The $500 tier for a $5,000 deposit is the sweet spot. Must use promo code SBOFFER500 by September 15, 2025.
Capital One's $500 Business Checking Bonus: A Straightforward Deal for Your Side Hustle
Earn $500 by opening a Capital One business checking account, depositing $5,000, keeping it there 60 days, and making 10 electronic transactions. No direct deposit or business credit card required.
Relay's $500 Bonus: A Solid Deal for Your Business Cash
Relay Financial offers a $500 bonus for new business accounts funded with $10,000 and held for 90 days. No monthly fees on the Starter plan. A straightforward offer for business cash.
Ameriprise's $450 Savings Bonus: A Solid Offer for Existing Clients
Ameriprise Bank offers a $450 bonus for existing clients who deposit $25,000 into a savings account by March 31, 2026 and maintain it through June. The bonus pays by September 2026.
Chase's $400 Checking Bonus: A Solid Deal for New Customers
New Chase customers can get $400 for opening a Total Checking account and setting up direct deposits. The offer ends April 15, 2026.
Atlantic Union Bank's $400 Checking Bonus: A Solid Deal for Mid-Atlantic Residents
Atlantic Union Bank offers a $400 bonus for opening a checking account with a $2,000 direct deposit requirement. Available in VA, MD, NC until March 31, 2026. Use promo code 4004U.
PNC's Business Checking Bonus: Up to $1,000 for Your Side Hustle or LLC
PNC Bank offers a $400 or $1,000 bonus for new business checking accounts. Requires maintaining a balance and making transactions. Open by March 31, 2026.
Fifth Third Bank's $400 Checking Bonus: A Solid Deal with a Low Deposit Hurdle
Get a $400 bonus for opening a Fifth Third checking account and making $500 in direct deposits within 90 days. Offer ends 1/7/26. Here's how to qualify and what to watch for.
Citizens Bank's $400 Checking Bonus: A Solid Offer with a Simple Catch
Citizens Bank offers a $400 bonus for opening a new checking account with a single $1,000 direct deposit. Available in 14 states and D.C. through 12/31/25. Here's how to get it and what to watch for.
Truist's $400 Business Checking Bonus: A Straightforward Deal for Small Business Owners
Truist Bank offers a $400 bonus for new business checking clients. Open an eligible account by April 2, 2026, deposit $2,000 within 30 days, and use promo code SB25Q4CHECKING. No direct deposit required.
Is the American Express High-Yield Savings Account Still a Top Pick?
American Express offers a high-yield savings account with a competitive rate, no monthly fees, and no minimum balance. It's FDIC insured and features robust transfer capabilities.
Wells Fargo's $400 Checking Bonus: A Solid Deal with a Few Caveats
Wells Fargo offers $400 for opening an Everyday Checking account and receiving $1,000+ in direct deposits within 90 days. The $15 monthly fee is avoidable. Offer ends April 7, 2026.
Wells Fargo's Business Checking Bonus: A Smart Move for Your Side Hustle or Small Business
Wells Fargo offers $400 or $825 for opening a new business checking account. Deposit $2,500 or $25,000, maintain it for 60 days, and get paid. No direct deposit needed. Offer ends May 5, 2026.
HomeTrust Bank's $400 Bonus: A Solid Deal for Southeastern Savers
HomeTrust Bank offers up to $400 for new checking accounts in NC, SC, TN, VA. Requires direct deposit, a $10k balance, or debit card purchases by 4/30/25. A $25 referral bonus is also available.
Is That $400 Capital One Checking Bonus Real? Here's What You Need to Know
Capital One has a targeted $400 bonus for new checking accounts. You'll need to use a specific promo code and receive two $500+ direct deposits within 75 days. Here's how to check eligibility and avoid pitfalls.
Capital One's $400 Checking Bonus: A Sweet Deal for Existing Customers
Existing Capital One customers can earn $400 by opening a 360 Checking account with code GET400 by May 19, 2026 and receiving two $500+ direct deposits within 75 days.
Wells Fargo's $325 Checking Bonus: Is It Worth Your Time?
Get $325 for opening a Wells Fargo Everyday Checking account with qualifying direct deposits by April 14, 2026. Learn how to avoid the monthly fee and navigate the requirements.
Wells Fargo's Latest Cash Bonuses: Are They Worth Your Time?
Wells Fargo is offering several cash bonuses for new checking and savings accounts, ranging from $125 to $2,500. Deadlines are approaching, with most offers ending in April 2026. Here's what you need to know to claim one.
SoFi Finally Adds Zelle: What It Means for Your Money Transfers
SoFi Checking & Savings now integrates Zelle for fast, free transfers. The feature is rolling out gradually, prioritizing existing Zelle users and direct deposit customers.
Got a Targeted $300 Bonus Email from U.S. Bank? Here's What You Need to Know
Targeted U.S. Bank Smartly Savings offer pays $300 for depositing $25k in new money by March 13, 2026, and maintaining the balance for 90 days. A solid return if you have the cash and received the invite.
Capital One's $300 Checking Bonus: A Solid Deal for Your Next Direct Deposit
Capital One is offering $300 for opening a 360 Checking account and receiving two $500+ direct deposits within 75 days. No monthly fees, but watch the eligibility look-back period.
Carter Bank's $300 Checking Bonus: A Solid Deal for North Carolina and Virginia Residents
Carter Bank offers a $300 bonus for opening a new checking account. Requires $1,000 in direct deposits and a $500 average daily balance over 90 days. Available in NC and VA for a limited time.
E*TRADE's $300 Checking Bonus: A Straightforward Way to Earn Extra Cash
E*TRADE offers a $300 bonus for opening a new checking account and setting up two direct deposits of $1,500+ each. The offer ends March 31, 2026.
Wings Credit Union's $300 Checking Bonus: A Solid Offer with a Few Hurdles
Wings Credit Union offers a $300 bonus for new checking accounts, but requires a $3,000 direct deposit and 5 debit/credit transactions. Open by 12/31/25. Nationwide eligibility with a $5 donation.
How to Snag Up to $300 from Connexus Credit Union's Checking Bonus
Connexus Credit Union offers up to $300 for opening a checking account. Use promo code XTRABONUS by 11/9/25, meet activity requirements, and your bonus is based on your average balance.
Capital One's $300 Checking Bonus: A Straightforward Way to Pocket Some Cash
Capital One offers $300 for opening a 360 Checking account and receiving two $500+ direct deposits within 75 days. No monthly fees. Here's how to claim it.
How to Score a $300 Bonus from Chime (and What You Need to Know)
Get a $300 digital gift card for opening a new Chime checking account and receiving a $200+ direct deposit. Offer ends March 31, 2026. Here's how it works and what to watch for.
SoFi's $300 Bonus: A Solid Deal for Your Direct Deposit
SoFi offers up to $300 for new checking/savings accounts with qualifying direct deposits. Requires $1k-$5k in deposits within 25 days. No monthly fees. Bonus paid within 14 days after evaluation.
NASB's $300 Checking Bonus: Is This High-Interest Account Worth the Hoops?
North American Savings Bank offers a $300 bonus for opening a Prosper Checking account. Requires a $1,500 deposit and $3,000 in direct deposits within 90 days. Account also offers interest and perks like cell phone protection.
PSECU's $300 Welcome Bonus: A Solid Nationwide Credit Union Offer
PSECU offers a $300 bonus for new members who open checking & savings, use promo code, and complete two $500+ direct deposits within 100 days. Nationwide eligibility via $10 association membership.
USAA's $300 Checking Bonus: A Solid Deal for Eligible Members
USAA is offering a $300 bonus for opening a Classic Checking account with a $500+ direct deposit. No monthly fees, but membership eligibility is required. Offer ends June 16, 2026.
Finder's $300 Axos Bank Bonus: A No-Direct-Deposit Deal Worth Checking Out
Get a $300 digital gift card for opening an Axos ONE account via Finder and depositing $5,000. No direct deposit required. Offer ends May 18, 2026.
Amalgamated Bank's Business Checking Bonus: A Solid $150 or $300 Offer (But Act Fast!)
Amalgamated Bank offers a $150 or $300 bonus for new business checking accounts. Requires maintaining a minimum balance for 3 months. No direct deposit needed. Offer ends soon.
American Express Wants to Give You $250 for Opening a Checking Account
Open a new Amex Rewards Checking account and receive $5,000+ in qualifying direct deposits within 90 days to earn a $250 bonus. Offer ends January 31, 2026.
A $250 Welcome for Virginia Locals: UVA Community Credit Union's Checking Bonus
Virginia residents in Harrisonburg or Rockingham County can earn a $250 bonus by opening new checking and savings accounts and meeting a simple $500 requirement by 10/31/25.
Is the FIGFCU Checking Bonus Worth the Direct Deposit Hustle?
Farmers Insurance FCU offers $100 or $250 for new High Yield Checking accounts with qualifying direct deposits. Requires $1k-$5k monthly deposits for 3 months. Nationwide (except LA). Bonus is taxable interest.
Evergreen Money's $250 Bonus: A Quick Look at Their New Account Offer
Evergreen Money offers a $250 bonus for opening a Liquid Treasuries account with a $10,000 deposit by June 30, 2024. No direct deposit needed, but watch for monthly fees and understand it's an investment account.
How to Snag $200 Cash Back When Opening an Alliant Checking Account
Get $200 cash back via Rakuten for opening a new Alliant Credit Union checking account and setting up a $500 direct deposit. Must also open a $1,000 certificate.
Together Credit Union's Referral Deal: Get $50, Help a Friend Get $200
A two-tiered bonus offer from Together Credit Union. Refer someone to open a checking account, you both get $50. They can then earn an extra $150, for a total of $200. Limited to certain states.
Hanmi Bank's $200 Checking Bonus: A Straightforward Way to Earn Some Cash
Earn up to $200 in rewards points by opening a Hanmi personal checking account. Requires maintaining a $3k balance, using your debit card, and signing up for eStatements. Offer ends 12/31/26.
Christian Community Credit Union's $200 Bonus: A Mission-Minded Offer
Christian Community Credit Union offers a $200 bonus for opening checking and savings accounts. Requires direct deposit and e-statements. Nationwide eligibility for new members. Offer ends 12/31/25.
Barclays Wants to Give You $200 for Parking Your Savings
Barclays offers a $200 bonus and competitive rates on its Tiered Savings account if you deposit $30k and maintain it for 120 days. Offer ends 3/31/2026.
Laurel Road's Savings Bonus: How to Earn Up to $200 by Stashing Cash
Laurel Road offers a tiered bonus up to $200 for new High Yield Savings accounts. Deposit at least $1 within 20 days, then maintain a qualifying balance by day 90. Offer ends January 21, 2026.
Snag a $200 Bonus from 1st Advantage FCU (But Only If You're in VA or NC)
1st Advantage FCU offers a $200 bonus for opening a checking account. Requires direct deposit, $200 debit spend, and eStatements. Must live, work, or attend school in select VA/NC counties. Bonus posts in 60-90 days.
Expedition Credit Union's $200 Checking Bonus: A Nationwide Opportunity That's Actually Worth It
Expedition Credit Union offers a $200 bonus for opening a new checking account with direct deposit requirements. Available nationwide through a $5 membership. Must keep account open 6 months.
TD Bank's $200 Savings Bonus: Is It Worth Tying Up $10,000?
TD Bank offers $200 for opening a new savings account with a $10,000 deposit. The bonus is straightforward but requires locking funds for 110+ days. Ends April 30, 2026.
Step's $200 Direct Deposit Bonus: A Straightforward Deal for a Fee-Free Account
Open a new Step account and get a direct deposit to earn up to $200. The bonus amount depends on your deposit size, and you must also make $20 in card purchases. Account must be opened by Sept 30, 2024.
Snag a $200 Bonus on an Alliant CD Through Rakuten
Open a new Alliant Credit Union CD with at least $1,000 via Rakuten to earn a $200 cash back bonus. The account must stay open for 60 days. A solid way to boost your CD's effective yield.
Is the Alliant Checking Bonus Worth the Direct Deposit Hassle?
Get $100 via Rakuten for opening an Alliant checking account and sending a $500 direct deposit. The offer ends soon, and the direct deposit rules are strict.
Relay's $150 Business Checking Bonus: A Straightforward Deal for New Accounts
Relay is offering a $150 bonus for new business checking accounts. Just open an account and deposit $100 by January 15, 2025. No monthly fees or direct deposit required.
Andrews Federal Credit Union's $150 Checking Bonus: Is It Worth the Hoops?
Andrews Federal Credit Union offers a $150 bonus for new checking accounts, but requires a $500+ direct deposit for 90 days. Available in DC, MD, NJ, VA. Here's the fine print.
OnPath FCU's $150 Referral Bonus: A Win-Win for You and a Friend
OnPath Federal Credit Union offers a $150 bonus for both referrer and referee when you open a new checking account and meet debit card & direct deposit requirements within 60 days.
Varo's $150 Referral Bonus: A Friend-Only Deal with Big Rewards
Varo Bank offers a $150 bonus for new accounts opened via a personal referral, requiring a $500+ direct deposit within 45 days. No monthly fees, but you must get the invite from someone you know.
Found's $125 Business Checking Bonus: A Simple Deal for Solo Entrepreneurs
Found offers a $125 bonus for new business checking accounts. Deposit $5,000 within 30 days, maintain it for another 30 days, and get paid. No monthly fees. Offer ends 12/31/25.
Stacking Kraken Sign-Up Bonuses: A Guide to Portal Cash and Referral Rewards
New Kraken users can stack a shopping portal bonus (up to $250) with a referral bonus (up to $150) by trading crypto. Here's how to navigate the offers and minimize risk.
Remitly's $100 Business Bonus: A Smart Deal for Cross-Border Payments?
Remitly offers new business customers a $100 bonus after their first $300+ transfer. The credit applies to your second transfer. Offer ends March 20, 2026.
Alliant's $100 Savings Bonus: A Simple, Year-Long Savings Challenge
Alliant Credit Union offers new members a $100 bonus for saving $100 monthly for a year. No direct deposit needed, but you must be a new member. Offer ends June 30, 2026.
City National Bank's $100 Teen Checking Bonus: A Hands-On Look
City National Bank offers a $100 bonus for teens (13-17) opening a checking account in four states. Requires a $200+ direct deposit, branch visit, and has a 91-day wait. No monthly fees.
A Virginia-Only Deal: Argent Credit Union's $100 Checking Bonus
Argent Credit Union offers a $100 bonus for opening a new checking account and setting up $500/month direct deposits for three months. Limited to Virginia residents in specific areas. Expires March 31, 2026.
Get $100 to Open a Checking Account with 316 Financial
Open a 316 Financial checking account with promo code RELEVANT2026 by March 31, 2026, and get $1,000+ in direct deposits by April 15, 2026, to earn a $100 bonus. Nationwide offer, FDIC insured.
Snag a $100 Bonus with Current's Checking Account (Here's How)
Get $100 for opening a Current checking account and receiving a $200+ payroll direct deposit within 45 days. No monthly fees. A solid, straightforward bonus offer.
Bank of Hope's $100 Student Checking Bonus: A Simple Deal for College Students
Bank of Hope offers a $100 bonus for students who open a Simply Checking account and make 10+ debit purchases in 60 days. No monthly fees, no direct deposit needed. Limited to 8 states.
Netspend's $100 Bonus: A Straightforward Deal for Early Direct Deposits
Netspend offers a $100 bonus for opening a debit account and receiving $400+ in direct deposits within 60 days. The offer runs through April 2026. It's a simple prepaid card bonus, but watch the fees.
Langley Federal Credit Union's $100 Checking Bonus: A Simple Deal for Virginia Residents
Virginia residents can earn a $100 bonus by opening a new Langley checking account online, registering for digital banking, and making $50 in debit card purchases within 45 days. No direct deposit required.
Harvard FCU's $100 Referral Deal: Get Paid to Bring Friends On Board
Harvard Federal Credit Union is offering a $100 bonus for both you and each friend you refer who opens a checking account and makes 5 card transactions. Offer ends Feb 28, 2025.
ZYNLO Bank's $100 Bonus: A Solid Deal with Some Legwork Required
ZYNLO Bank offers a $100 bonus for opening a More Spending Account. You'll need two $500+ deposits and 20 debit card transactions within 45 days. No monthly fees, but the requirements are specific.
Virginia Credit Union's $100 Checking Bonus: A Simple Score for VA Residents
Virginia Credit Union offers a $100 bonus for opening a checking account and setting up two consecutive direct deposits of $500+. Available to VA residents until April 13, 2026.
TD Bank's $100 Student Checking Bonus: A Simple Way to Earn Extra Cash
TD Bank offers students $100 for opening a checking account and making 15 debit purchases in 60 days. No monthly fee for ages 17-23. Read the fine print before applying.
CLEAR Plus: Get a $100 Travel Voucher for Joining Now
Join CLEAR Plus for $189 and get a $100 travel voucher rebate. Use promo code TRAVELREWARD100. Offer for new members only; voucher arrives after June 30, 2024.
Is the 1st Advantage $200 Checking Bonus Worth the Effort?
A $200 bonus for opening a checking account with 1st Advantage FCU, but it's geographically limited and requires a direct deposit and debit card spend. Here's what you need to know.
SkyPoint FCU's $100 Referral Bonus: A Win-Win for Friends in the DMV Area
SkyPoint Federal Credit Union offers a $100 bonus to both referrer and new member when you refer someone to open a checking account. No direct deposit needed, just a $5 savings deposit. Must be in eligible VA/MD/DC areas.
Rakuten's SoFi Crypto Deal: Get $90 Back for a $30 Crypto Purchase
Rakuten offers $90 cash back (or 9,000 points) when you sign up for SoFi Crypto and make a $30+ initial purchase within 45 days. A solid bonus for trying crypto investing.
Score $75 for Opening a ONE Account Through Swagbucks
Open a new ONE account via Swagbucks, deposit $30+, and get 7,500 SB ($75). Plus, get a debit card, up to 5% APY on savings, and Walmart cash back.
WisdomTree Prime's $50 Crypto Bonus: A Quick $50 for Parking $250
Deposit $250+ into a WisdomTree Prime crypto account, maintain the balance for 45 days, and get a $50 bonus. Offer valid until May 31, 2026. Not available in GA, NC, TN, TX, or VA.
LemFi's $50 Welcome Bonus: A Smart Deal for International Money Transfers?
LemFi offers $50 cashback on your first $500+ international transfer. Use code NEW50 at signup. Good for planned transfers, but research the service first.
Four Points FCU's $50 Referral Bonus: A Simple Way to Earn with Friends
Four Points Federal Credit Union offers a $50 referral bonus for members and new joiners. Existing members get $50 per referral; new members get $25 upfront and another $25 after meeting simple account activity goals.
Snag a $25 Bonus with Upgrade's Boost Money Account
Open a new Upgrade Boost Money account, make two direct deposits of $200+ each within 90 days, and get a $25 bonus. Offer ends February 28, 2026.
X Money: What We Know About the Rumored 6% APY and Cash Back Debit Card
Elon Musk's X is reportedly testing a financial product with a 6% APY on direct deposits, a cash back debit card, and a $25 bonus. Here's what's known and what to watch for.
Polymarket's $20 Sign-Up Bonus: A Quick Guide to the POLYMADNESS Promo
Get a free $20 bonus on Polymarket's prediction market app (iOS only) with promo code POLYMADNESS. Use it to trade on any market, but understand the risks first.
Get Free Laundry Money: PayRange's $10 Bonus for Using Paze
Load $10+ to your PayRange app using the Paze digital wallet and get a $10 bonus instantly. Do it up to 3 times for $30 total free credit. Offer ends June 15, 2026.
OKX's 5% Deposit Match: A Crypto Bonus That's Hard to Ignore (But Should You?)
OKX offers a 5% match on new deposits between $1,000 and $100,000. Must opt-in by March 4, 2026. Rewards are paid out over time. Not available in NY, TX, and some US territories.