Whether or not you need a promotional code to earn a bank bonus depends on an individual bank's bonus requirements. Some banks do not require a code, while others do. Sometimes these codes will be referred to as a coupon. As an example, M&T Bank may require a promotional code to be applied at the time of account opening to qualify for a bonus. On the other hand, Regions Bank requires a coupon code and SoFi Money requires no code at all.