If you don’t meet the conditions for the $400 bonus, don’t worry! You could meet the conditions for the $200 bonus which include: 
● open a new Free Checking Account
● set up Direct Deposit ($2,000 cumulative which must post within 60 days of account opening)
● accept and open online banking, eStatement, and a debit card
● Complete 20 debit card purchase transactions which must post within 60 days of account opening (ATM transactions do not qualify)  
If you make a list of the terms and conditions when you review them, you’ll find that meeting your conditions is much easier.