Heard Banking Incentive Program: How it works – Heard

Heard is offering a limited-time incentive for members who open and use a Heard Business Bank* account.

If you apply by August 31, 2026, at 11:59 PM Pacific and complete 5 qualifying debit card transactions within 60 days of approval, $150 is deposited into your Heard Banking account.****

This article walks through who qualifies, what counts, and when the money lands. This offer is subject to the Account Opening Promotion Terms.

Who is eligible?

The incentive is open to all Heard members on any plan who submit a Heard Banking account application on or before August 31, 2026, at 11:59 PM Pacific.

How do I earn the $150?

Once your application is approved, you have 60 days to complete 5 eligible debit card transactions using your Heard Visa Debit Card.

What counts as an eligible transaction?

Debit card purchases (physical or virtual card)

What does not count?

ACH debits or credits
Wire payments
ATM deposits or withdrawals

There is no minimum transaction amount.

When does my 60-day window start?

Your 60-day window begins on the date your application is approved, not the date you submitted it.

For example, if you apply on August 31 but your application isn't approved until September 2 (because additional documents were requested), your 60-day window starts on September 2.

How do transactions get counted?

A transaction counts toward your 5 as long as it is initiated within your 60-day window. The transaction doesn't need to post before your window closes; it only needs to be initiated, and it can post at a later date.

For example, if you use your Heard debit card to hold a car rental on day 59, that transaction still counts even if the charge doesn't post for several more days.

When will I receive my $150?

Payouts are processed on the last day of each month. To be included in a given month's payout, you must complete your 5th qualifying transaction by the 25th of that month.

Completed your 5th transaction by...	Payout date
The 25th of any month	Last day of that same month
The 26th or later	Last day of the following month

Do I need to connect Heard Banking to my Heard account through Plaid?

No, the Plaid connection isn't required to qualify for the incentive. That said, we recommend connecting as soon as your account is open. Once linked, your Heard Banking transactions flow automatically into your books and get categorized for you.

FAQs

Can I use a virtual card before my physical card arrives? Yes. Virtual card purchases count the same as physical card purchases.

Can I earn the incentive more than once? No. The $150 incentive is a one-time offer per member, across both promo periods. An earlier version of this offer ran from June 9, 2026, at 12:00 AM PT through July 7, 2026, at 11:59 PM PT. The bonus amount and the earning requirements were the same.

I applied in mid-July, between the two offers. Am I eligible? No. Applications submitted between July 8 and July 26, 2026 fall between the two promo periods, so the bonus doesn't apply. Your account works exactly the same way inside Heard. Only the welcome bonus isn't available during that window.

What if my application is still being reviewed when the offer closes on August 31? Eligibility is based on when the application was submitted, not when it was approved. As long as your application was in before the deadline, your 60-day window starts whenever approval comes through.

Where can I get help with my application or transactions? For anything tied to your Heard Bank account, including application status or transaction questions, reach out to Heard Banking Support.

In-app chat (fastest and most secure): Inside Heard, go to your Heard Banking and click the chat icon in the bottom-right corner of the page, and submit your question.
Email: support.heard@bankingsupport.co

Full Terms and Conditions

This promotional offer is governed by the Account Opening Promotion Terms. In the event of any conflict between this support article and the Account Opening Promotion Terms, the Account Opening Promotion Terms will control.

*Heard is a financial technology company and is not a bank. Banking services are provided by i3 Bank, Member FDIC. The Heard Visa Debit Card is issued by i3 Bank pursuant to a license from Visa U.S.A. Inc. and may be used anywhere Visa cards are accepted.

****The $150.00 bonus will be deposited directly to your Heard bank account, held at i3 Bank, when you (i) apply for a Heard bank account between July 27, 2026 at 12:00 am PT and August 31, 2026 at 11:59pm PT and (ii) complete five qualifying transactions within 60 days of account opening. “Qualifying transactions” means debit-card purchases initiated and posted through Heard; ACH debits, transfers between Heard accounts, and reversed or returned transactions are excluded. The bonus will be deposited on the last day of the month for any customers who meet all requirements by the 25th of the month. The account must remain open and in good standing to receive the bonus. This bonus may be reported as taxable income. Banking services are provided by i3 Bank, Member FDIC. This promotion is not an i3 Bank-funded interest promotion. Offer is subject to change or termination at any time. See full Account Opening Promotion Terms for complete details and restrictions.