Bank Promotions in Florida: December 2025
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View list of best Florida bank promotions. See current active promos and new bonus offers from local Florida banks, credit unions, and national banks.
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Looking to open a new bank account in Florida? Check out these promotions first. Many banks are offering bonuses up to hundreds of dollars when you open a new account.
Here are some of the best bank offers in Florida:
- Bank of America Advantage Banking:
Up to $500 Cash Offer - Wells Fargo Everyday Checking Account:
$325 Bonus - PNC Bank:
Virtual Wallet with Performance Select Checking - $400 Bonus - Chase Private Client Checking℠:
Up to $3,000 Bonus - Truist Bank:
Personal Checking Account - $400 Bonus - Fifth Third Bank:
Personal Checking Account - $350 Bonus - Regions Bank:
Personal Checking Account - $300 Bonus - M&T Bank:
Personal Checking Account - $200 Bonus - MIDFLORIDA Credit Union:
Personal Checking Account - $400 Bonus - Florida Credit Union:
Personal Checking Account - $300 Bonus - Addition Financial:
Personal Checking Account - $300 Bonus - CIBC Bank:
Personal Checking Account - $200 Bonus - Community First Credit Union:
Personal Checking Account - $200 Bonus - Community Credit Union Florida:
Personal Checking Account - $125 Bonus - BrightStar Credit Union:
Personal Checking Account - $100 Bonus - Power Financial Credit Union:
Personal Checking Account - $100 Bonus - Valley National Bank:
Personal Checking Account - $100 Bonus - iThink Financial:
Personal Checking Account - $75 Bonus - Synovus Bank:
Personal Checking Account - $600 Bonus - Hancock Whitney Bank:
Personal Checking and Savings Account - $600 Bonus - Central Bank:
Personal Checking Account - $800 Bonus - Flagstar Bank:
Personal Checking Account - $500 Bonus - Santander Bank:
Personal Checking Account - $400 Bonus - Seacoast Bank:
Personal Checking Account - $300 Bonus - Wings Credit Union:
Personal Checking Account - $300 Bonus - Local Bank:
Personal Checking Account - $250 Bonus - Achieva Credit Union:
Personal Checking Account - Up to $250 Bonus - BMO Smart Advantage Checking account:
Earn $400 Cash Bonus* - TD Beyond Checking:
$300 Cash Bonus
If you're considering more than just promotional offers, our extensive review of the best banks in Florida can help you find a bank that meets all your needs.
Bank of America Advantage Banking - Up to $500 Cash Offer
- The cash offer up to $500 is an online only offer and must be opened through the Bank of America promotional page.
- The offer is for new checking customers only.
- Offer expires 1/31/2026.
- To qualify, open a new eligible Bank of America Advantage Banking account through the promotional page and set up and receive Qualifying Direct Deposits* into that new eligible account within 90 days of account opening. Your cash bonus amount will be based on the total amount of your Qualifying Direct Deposits received in the first 90 days.
Cash Bonus Total Qualifying Direct Deposits $100 $2,000 $300 $5,000 $500 $10,000+ - If all requirements are met 90 days after account opening, Bank of America will attempt to deposit your bonus into your new eligible account within 60 days.
- Bank of America Advantage SafeBalance Banking® for Family Banking accounts are not eligible for this offer.
- Additional terms and conditions apply. See offer page for more details.
- *A Qualifying Direct Deposit is a direct deposit of regular monthly income – such as your salary, pension or Social Security benefits, which are made by your employer or other payer – using account and routing numbers that you provide to them.
- Bank of America, N.A. Member FDIC.
Wells Fargo Everyday Checking Account - $325 Bonus
- Get a $325 new checking customer bonus when you open an Everyday Checking account and receive $1,000 or more in qualifying direct deposits.
- Wells Fargo Bank, N.A.
Member FDIC
BMO Smart Advantage Checking account - Earn $400 Cash Bonus*
$400 cash bonus* when you have a cumulative total of $4,000 in qualifying direct deposits within 90 days of account opening between 9/9/25 - 1/28/26. *Conditions apply. Accounts are subject to approval and provided in the U.S. by BMO Bank N.A. Member FDIC
BMO Smart Money Checking account - Earn $400 Cash Bonus*
$400 cash bonus* when you have a cumulative total of $4,000 in qualifying direct deposits within 90 days of account opening between 9/9/25 - 1/28/26. *Conditions apply. Accounts are subject to approval and provided in the U.S. by BMO Bank N.A. Member FDIC
PNC Bank: Virtual Wallet with Performance Select Checking - $400 Bonus
Open a new Virtual Wallet with Performance Select checking account and make qualifying direct deposits totaling $5,000 or more within 60 days of account opening. Bonus will be awarded within 60-90 days of meeting the requirements.
Chase Business Complete Banking® - Up to $500 Bonus
Earn up to $500 when you open a new Chase Business Complete Checking® account with qualifying activities.
Earn $500 with a minimum deposit of $10,000 in new money or earn $300 with a minimum deposit of $2,000 in new money.
The information for Chase Business Complete Banking® has been collected independently by CreditDonkey. The details on this page have not been reviewed or provided by the bank.
Truist Bank: Personal Checking Account - $400 Bonus
Open a new Truist One Checking account online. Use promo code DC400TR1Q425 at account opening. Set up and receive at least two qualifying direct deposits totaling $2,000 or more within 120 days of account opening. Complete at least 20 qualifying debit card purchases within 120 days of account opening.
The information for Truist One Checking Account has been collected independently by CreditDonkey. The details on this page have not been reviewed or provided by the bank.
HSBC Premier - Earn Up to $3,500
- Get a $1,000 Cash Bonus: Add and maintain New Deposits of $150,000 to $249,999
- Get a $2,500 Cash Bonus: Add and maintain New Deposits of $250,000 to $499,999
- Get a $3,500 Cash Bonus: Add and maintain New Deposits of $500,000+
Earn a $25 Extra Cash Bonus when you register and logon to the HSBC US Mobile Banking App3 by December 31, 2025.
If all offer requirements are met, Cash Bonuses will be paid by May 31, 2026.
Free Business Checking - Earn $500 Bonus
To earn the $500 bonus, customers must apply for a Bluevine Business Checking account anytime between now and 01/31/2026 using the referral code CD500.
After opening your account, deposit a total of $5,000 within the first 30 days. After 30 days, maintain a minimum daily balance of $5,000 while also completing at least one of the following eligibility requirements every 30 days for 90 days:
- Deposit at least $5,000 from eligible merchant services to your Bluevine account OR
- Make at least $5,000 of outbound payroll payments from your Bluevine account using eligible payroll providers OR
- Spend at least $2,000 on eligible transactions with your Bluevine Business Debit Mastercard® and/or Bluevine Business Cashback Mastercard®
Banking services provided by Coastal Community Bank, Member FDIC
Basic Business Checking - Up to $200 Bonus
- Open a Basic Business Checking account using promo code START200 by June 30, 2026.
- Every dollar counts when you're starting out. That's why new businesses can earn up to $200 opening a new Basic Business Checking account today.
- No initial deposit requirement
- No minimum balance requirement
- No monthly maintenance fees
- Free domestic incoming wires. Two (2) outgoing domestic wire fees reimbursed per month.
- Unlimited domestic ATM fee reimbursements
- Unlimited item processing (debits, credits, and deposited items)
- Cash deposits via MoneyPass and AllPoint networks
California Bank Promotions
These promotions are from smaller regional banks and credit unions. Regional banks often offer more competitive interest rates and fewer fees. If you're considering an offer, make sure you have access to branches and ATMs.
PNC Bank: Virtual Wallet Checking - $100 Bonus
Open a new Virtual Wallet checking account and make qualified direct deposits totaling $500 or more within 60 days of account opening. Bonus will be awarded within 60-90 days of meeting the requirements.
PNC Bank: Business Checking Account - $1,000 Bonus
Open a new PNC Treasury Enterprise Plan or Analysis Business Checking account. Maintain an average ledger balance of $30,000 or more in your new checking account for each of the first three statement cycles.
This offer is only available to businesses with an annual revenue of less than $5 million. All existing business checking customers, including those who have closed an account in the past 90 days or has been paid a promotional premium in the past 12 months are not eligible for this offer. $1,000 bonus will be credited to your new business checking account within 90 days after all conditions have been met.
PNC Bank: Business Checking Account - $400 Bonus
Open a new PNC Business Checking or PNC Business Checking Plus account. Maintain an average ledger balance of $2,000 in your new checking account for each of the first three statement cycles. Make at least 10 qualifying transactions within the first three statement cycles.
This offer is only available to businesses with an annual revenue of less than $5 million. All existing business checking customers, including those who have closed an account in the past 90 days or have been paid a promotional premium in the past 12 months are not eligible for this offer. $400 bonus will be credited to your new business checking account within 90 days after all conditions have been met.
Chase Private Client Checking℠ - Up to $3,000 Bonus
- Earn $1,000 when you deposit $150,000 - $249,999 or
- Earn $2,000 when you deposit $250,000 - $499,999 or
- Earn $3,000 when you deposit $500,000+
INVESTMENT AND INSURANCE PRODUCTS: •
Chase Total Checking® - $300 Bonus
Enjoy $300 as a new Chase checking customer, when you open a Chase Total Checking® account and make direct deposits totaling $500 or more within 90 days of coupon enrollment. Terms and conditions apply.
The information for Chase Total Checking® has been collected independently by CreditDonkey. The details on this page have not been reviewed or provided by the bank.
Chase Secure Banking℠ - $100 Bonus
Enjoy a checking account bonus of $100 as a new Chase checking customer, when you open a Chase Secure Banking℠ account with qualifying transactions.
The information for Chase Secure Banking℠ has been collected independently by CreditDonkey. The details on this page have not been reviewed or provided by the bank.
Chase Total Checking® + Chase Savings℠ - $900 Bonus
- Earn $300 when you open a new Chase Total Checking® account and set up and receive a direct deposit within 90 days of coupon enrollment
- Earn $200 when you open a new Chase Savings℠ account, deposit $15,000 or more in new money within 30 days of coupon enrollment, and maintain $15,000 or more for 90 days of coupon enrollment.
- Earn an additional $400 when you open a new Chase Total Checking® and new Chase Savings℠ at the same time and complete qualifying activities for both accounts.
The information for Chase Total Checking® and Chase Savings℠ have been collected independently by CreditDonkey. The details on this page have not been reviewed or provided by the bank.
BMO: Business Checking Account - $1,000 Bonus
Open a new BMO Digital Business Checking, BMO Simple Business Checking, BMO Premium Business Checking, or BMO Elite Business Checking account online or at a branch. Account balance must be $50,000 or more on the 30th day after account opening. Balance in the account must be $50,000 or more from the 31st to the 90th day after opening the account.
BMO: Business Checking Account - $750 Bonus
Open a new BMO Digital Business Checking, BMO Simple Business Checking, BMO Premium Business Checking, or BMO Elite Business Checking account online or at a branch. Account balance must be $25,000 or more on the 30th day after account opening. Balance in the account must be $25,000 or more from the 31st to the 90th day after opening the account.
BMO: Business Checking Account - $400 Bonus
Open a new BMO Digital Business Checking, BMO Simple Business Checking, BMO Premium Business Checking, or BMO Elite Business Checking account online or at a branch. Account balance must be $4,000 or more on the 30th day after account opening. Balance in the account must be $4,000 or more from the 31st to the 90th day after opening the account.
Fifth Third Bank: Personal Checking Account - $350 Bonus
Open a Fifth Third Momentum® Checking, or Preferred Checking account. Make direct deposits totaling $500 or more within 90 days of account opening to qualify for bonus. The cash bonus will be deposited into your new checking account within 10 business days of completing qualifying activity requirements.
Regions Bank: Personal Checking Account - $300 Bonus
Register for the offer by December 31, 2025. Open a new personal LifeGreen® Checking account online or in a branch by January 31, 2026. Make $1,000 or more in qualifying ACH direct deposits that post to your account within 90 days of account opening.
M&T Bank: Personal Checking Account - $200 Bonus
Open a new M&T MyChoice Premium Checking account. Make a total of at least $500 in qualifying direct deposits within 90 days of account opening.
M&T Bank: Personal Checking Account - $150 Bonus
Open a new M&T MyChoice Plus Checking account. Make a total of at least $500 in qualifying direct deposits within 90 days of account opening.
M&T Bank: Personal Checking Account - $100 Bonus
Open a new M&T EZChoice Checking Checking account. Make a total of at least $500 in qualifying direct deposits within 90 days of account opening.
M&T Bank: Personal Checking Account - Up to $200 Bonus
Open a new M&T EZChoice Checking, MyChoice Plus Checking, MyChoice Plus Checking with Interest or MyChoice Premium Checking account. Make a total of at least $500 in qualifying direct deposits within 90 days of account opening.
MIDFLORIDA Credit Union: Personal Checking Account - $400 Bonus
Open a new Free Checking account. Set up and receive qualifying direct deposits totaling $4,000 or more within 60 days of account opening. Enroll in online banking and eStatements. Apply for a debit card and complete 40 debit card purchases, which must be posted in one calendar month. The debit card requirement must be done within 60 days of account opening.
MIDFLORIDA Credit Union: Business Checking Account - $300 Bonus
Open a new business checking account. Deposit a total of $5,000 or more in a calendar month for two of the first six months of account opening. Make 5 eligible transactions within 60 days of account opening. Enroll in online banking and eStatements.
Florida Credit Union: Personal Checking Account - $300 Bonus
Open a new qualifying personal checking account. Use promo code 25CHK300 at account opening. Set up and receive qualifying direct deposits totaling $500 or more within 60 days of account opening. Keep the account open and in good standing for 90 days.
Florida Credit Union: Personal Checking Account - $300 Bonus
Open a new qualifying personal checking account. Use promo code 25CHK300 at account opening. Set up and receive qualifying direct deposits totaling $500 or more within 60 days of account opening. Keep the account open and in good standing for 90 days.
Addition Financial: Personal Checking Account - $300 Bonus
Open a new Benefits Checking account. Set up and receive qualifying monthly direct deposits totaling $2,000 or more within 90 days of account opening.
Community First Credit Union: Business Checking Account - $200 Bonus
Open a new Connections Business Checking account and earn $200 bonus. New members must open a share account with a minimum $5 initial deposit (share account is required for membership).
MIDFLORIDA Credit Union: Personal Checking Account - $200 Bonus
Open a new Free Checking account. Set up and receive qualifying direct deposits totaling $500 or more within 60 days of account opening. Enroll in online banking and eStatements. Apply for a debit card and complete 5 debit card purchases, which must be posted in one calendar month. The debit card requirement must be done within 60 days of account opening.
Addition Financial: Personal Checking Account - $200 Bonus
Open a new Classic Checking account. Set up and receive qualifying monthly direct deposits totaling $1,000 or more within 90 days of account opening.
CIBC Bank: Personal Checking Account - $200 Bonus
Open a new CIBC iCan or myChoice Checking account. Deposit at least $500 at account opening. Set up and receive qualifying direct deposits or ACH transaction within 90 days of account opening. Enroll in eStatements and elect to receive eStatements through CIBC NetBanking.
Community First Credit Union: Personal Checking Account - $200 Bonus
Open a new Community First Checking account. Use promo code FREECHECK at account opening. Make deposits totaling $1,000 or more within 90 days of account opening. Complete 10 or more qualifying debit card transactions within 90 days of account opening.
Community Credit Union Florida: Personal Checking Account - $125 Bonus
This offer is available to school employees only. Open a new qualifying checking account using promo code MK-125. To qualify for $125 bonus, you must do the following within 60 days of account opening: sign up for eStatements, use your new debit card 20 times to make purchases or payments in any amount, and download the CCU Mobile App and use it at least once.
BrightStar Credit Union: Business Checking Account - $100 Bonus
Open a new Business Checking Account. Enroll in e-Statements, and complete at least 4 transactions per month for 7 months. Account must remain active for the entire 7 months. New membership and new checking account must be established at the same time.
Community First Credit Union: Business Checking Account - $100 Bonus
Open a new Premier Business Checking account and earn $100 bonus. New members must open a share account with a minimum $5 initial deposit (share account is required for membership).
BrightStar Credit Union: Personal Checking Account - $100 Bonus
Open a new Free Checking Account. Enroll in e-Statements and complete at least 4 transactions per month for 7 months. Account must remain active for the entire 7 months. An active checking account is defined as a minimum of 4 transactions per 30 day period. New membership and new checking account must be established at the same time.
Power Financial Credit Union: Personal Checking Account - $100 Bonus
Open a new checking account. Deposit $500 or more and keep it in the account for at least 90 days.
Valley National Bank: Personal Checking Account - $100 Bonus
Open a new All Access Checking account. Set up and receive qualifying direct deposits totaling $500 or more within 60 days of account opening. Keep the account open for a minimum of 120 days.
Addition Financial: Personal Checking Account - $100 Bonus
Open a new Free Checking account. Set up and receive qualifying monthly direct deposits totaling $1,000 or more within 90 days of account opening.
iThink Financial: Personal Checking Account - $75 Bonus
Open a new qualifying checking account. Set up and receive qualifying direct deposits totaling $1,000 or more within 90 days of account opening.
Community First Credit Union: Business Checking Account - $50 Bonus
Open a new Classic Business Checking account and earn $50 bonus. New members must open a share account with a minimum $5 initial deposit (share account is required for membership).
Addition Financial: Personal Checking Account - $100 Bonus
Open a new qualifying checking account. Account must remain open for at least 90 days. Credit union membership requirements apply.
Synovus Bank: Personal Checking Account - $600 Bonus
Open a new Synovus Plus Checking account. Make 15 qualifying Visa® debit card transactions within the first 60 days of account opening. Set up and receive qualifying direct deposits of $1,000 or more within 60 days of account opening.
Synovus Bank: Personal Checking Account - $150 Bonus
Open a new Synovus Plus Checking account. Make 15 qualifying Visa® debit card transactions within the first 60 days of account opening.
Hancock Whitney Bank: Personal Checking and Savings Account - $600 Bonus
Open a new Freestyle Checking account. Use promo code obtained by providing your email address. Set up and receive qualifying direct deposits totaling at least $500 each month by 02/28/2026. Continue receiving the monthly direct deposits until 04/30/2026.
Open a new Freestyle Savings account. Use promo code obtained by providing your email address. Deposit $5,000 or more into the savings account by 02/28/2026. Maintain a minimum daily balance of $5,000 or more until 04/30/2026.
The Freestyle Checking and Savings account must be opened at the same time and must remain open and active until 05/31/2026.
Central Bank: Business Checking Account - $500 Bonus
Open a new eligible business checking account. Use promo code 500BB16 at account opening. Deposit at least $50 at account opening. Reach a balance of at least $3,000 within 90 days from account opening.
Hancock Whitney Bank: Personal Checking Account - $300 Bonus
Open a new Freestyle Checking account. Use promo code obtained by providing your email address. Set up and receive qualifying direct deposits totaling at least $500 each month by 02/28/2026. Continue receiving the monthly direct deposits until 04/30/2026.
Central Bank: Personal Checking Account - $800 Bonus
Open a new eligible checking account. Deposit $50 or more at account opening. Use promo code STEP at account opening. Set up and receive two or more qualifying direct deposits totaling $10,000 or more within 90 days of account opening.
Flagstar Bank: Personal Checking Account - $500 Bonus
Open a new Flagstar Elite Checking account. Maintain an average daily balance of at least $500 for the first 90 days after account opening. Set up and receive one or more direct deposits totaling at least $500 within 90 days of account opening.
Community Credit Union Florida: Personal Checking and Savings Account - $500 Bonus
Open a new checking account. Use promo code MK-$300Checking at account opening. Deposit $1,500 within 60 days of account opening. Set up and receive monthly recurring direct deposit of at least $1,500 for 90 days. Sign up for eStatements.
Open a new savings account. Use promo code MK-$300Checking at account opening. Deposit a total of $15,000 or more into the new CCU Florida Share Savings account within 30 days of account opening. Maintain a balance of $15,000 or more for 90 days.
Achieva Credit Union: Business Checking Account - $400 Bonus
Open a new Performance Interest Checking account. Deposit 10,000 or more into the account within 15 days of account opening. Maintain a balance of $10,000 or more in the account for at least 90 days. Make 15 debit transactions within 90 days of offer enrollment. Enroll in Business Online Banking.
Santander Bank: Personal Checking Account - $400 Bonus
Open a new Santander Select® Checking, Simply Right® Checking, or Santander® Private Client Checking account. Use promo code at account opening. Promo code can be obtained by filling out the form on the promotion page. Set up and receive qualifying direct deposits totaling $5,000 or more within 90 days of account opening.
Central Bank: Personal Checking Account - $300 Bonus
Open a new eligible personal checking account. Use promo code RAF300 at account opening. Deposit $50 or more during account opening. Set up and receive two or more direct deposits totaling $800 or more within 90 days of account opening. Keep the account open and in good standing for 90 days.
Flagstar Bank: Personal Checking Account - $300 Bonus
Open a new Flagstar Ready Checking account. Maintain an average daily balance of at least $500 for the first 90 days after account opening. Set up and receive one or more direct deposits totaling at least $500 within 90 days of account opening.
Community Credit Union Florida: Personal Checking Account - $300 Bonus
Open a new checking account. Use promo code MK-$300Checking at account opening. Deposit $1,500 within 60 days of account opening. Set up and receive monthly recurring direct deposit of at least $1,500 for 90 days. Sign up for eStatements.
Seacoast Bank: Personal Checking Account - $300 Bonus
Open a new Premium or Premium Elite Checking account. Use promo code CON300 at account opening. Set up and receive qualifying direct deposits totaling $500 within 90 days of account opening. Make 15 qualifying debit card transactions within 90 days of account opening.
Nationwide Bank Promotions
These offers from national banks are available to Floridians. National banks" offer more convenience with branches and ATMs throughout the country, but they usually have higher fees or more requirements.
Bank of America Advantage Banking - Up to $500 Cash Offer
- The cash offer up to $500 is an online only offer and must be opened through the Bank of America promotional page.
- The offer is for new checking customers only.
- Offer expires 1/31/2026.
- To qualify, open a new eligible Bank of America Advantage Banking account through the promotional page and set up and receive Qualifying Direct Deposits* into that new eligible account within 90 days of account opening. Your cash bonus amount will be based on the total amount of your Qualifying Direct Deposits received in the first 90 days.
Cash Bonus Total Qualifying Direct Deposits $100 $2,000 $300 $5,000 $500 $10,000+ - If all requirements are met 90 days after account opening, Bank of America will attempt to deposit your bonus into your new eligible account within 60 days.
- Bank of America Advantage SafeBalance Banking® for Family Banking accounts are not eligible for this offer.
- Additional terms and conditions apply. See offer page for more details.
- *A Qualifying Direct Deposit is a direct deposit of regular monthly income – such as your salary, pension or Social Security benefits, which are made by your employer or other payer – using account and routing numbers that you provide to them.
- Bank of America, N.A. Member FDIC.
HSBC Premier - Earn Up to $3,500
- Get a $1,000 Cash Bonus: Add and maintain New Deposits of $150,000 to $249,999
- Get a $2,500 Cash Bonus: Add and maintain New Deposits of $250,000 to $499,999
- Get a $3,500 Cash Bonus: Add and maintain New Deposits of $500,000+
Earn a $25 Extra Cash Bonus when you register and logon to the HSBC US Mobile Banking App3 by December 31, 2025.
If all offer requirements are met, Cash Bonuses will be paid by May 31, 2026.
Bluevine: Free Business Checking - Earn $500 Bonus
To earn the $500 bonus, customers must apply for a Bluevine Business Checking account anytime between now and 01/31/2026 using the referral code CD500.
After opening your account, deposit a total of $5,000 within the first 30 days. After 30 days, maintain a minimum daily balance of $5,000 while also completing at least one of the following eligibility requirements every 30 days for 90 days:
- Deposit at least $5,000 from eligible merchant services to your Bluevine account OR
- Make at least $5,000 of outbound payroll payments from your Bluevine account using eligible payroll providers OR
- Spend at least $2,000 on eligible transactions with your Bluevine Business Debit Mastercard® and/or Bluevine Business Cashback Mastercard®
Banking services provided by Coastal Community Bank, Member FDIC
Axos Bank: Basic Business Checking - Up to $200 Bonus
- Open a Basic Business Checking account using promo code START200 by June 30, 2026.
- Every dollar counts when you're starting out. That's why new businesses can earn up to $200 opening a new Basic Business Checking account today.
- No initial deposit requirement
- No minimum balance requirement
- No monthly maintenance fees
- Free domestic incoming wires. Two (2) outgoing domestic wire fees reimbursed per month.
- Unlimited domestic ATM fee reimbursements
- Unlimited item processing (debits, credits, and deposited items)
- Cash deposits via MoneyPass and AllPoint networks
What the Experts Say
As part of our series on banking and saving, CreditDonkey asked a panel of industry experts to answer readers' most pressing questions. Here's what they said:
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