Best Bank Promotions and Bonus Offers for January 2026
Thinking about opening a new personal checking, savings, or business account? Here are the best banking promotions - all in one list. Be sure to read the details to understand the requirements and eligibility.
| Bank Promotion Link | Offer | Review |
|---|---|---|
| Chase Private Client Checking℠ | Up to $3,000 Bonus | Review |
| Bluevine Free Business Checking | Earn $500 Bonus | Review |
| Chase Business Complete Banking® | Up to $500 Bonus | Review |
| CIT Bank Platinum Savings | $300 Bonus | Review |
| CIT Bank Platinum Savings | $225 Bonus | Review |
| Chase College Checking℠ | $125 Bonus | Review |
| KeyBank Key Select Checking® | $500 Bonus | Review |
| KeyBank Key Smart Checking® | $300 Bonus | Review |
What banks are having promotions? This list is updated monthly to bring you the best bank bonuses and deals. Bookmark it and check back often.
Top New Bank Account Bonuses and Promotions
Many bank deals pay new customers to open an account. You get a cash bonus for opening an account and meeting certain deposit requirements. FDIC-insured bank accounts also protect your money safely.
Checking Account Bonuses
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 $7,000
- Send and receive money with Zelle® right from our mobile app
- Manage your money safely, easily and fee-free around the world - from Global Money Transfers to multi-currency needs
- Enjoy peace of mind with unique travel benefits available through our credit cards
Here's how the offer works: Open a new HSBC Premier checking account by March 31, 2026. Add New Assets to your Premier checking account, Premier Savings account, Premier Relationship Savings account, Managed Portfolio Account and/or Spectrum account (Eligible Accounts) by March 31, 2026, and maintain the New Assets through June 30, 2026.
- Get a $1,500 Cash Bonus: Add and maintain New Assets of $150,000 to $249,999
- Get a $2,500 Cash Bonus: Add and maintain New Assets of $250,000 to $499,999
- Get a $3,500 Cash Bonus: Add and maintain New Assets of $500,000 to $999,999
- Get a $7,000 Cash Bonus: Add and maintain New Assets of $1,000,000+
If all offer requirements are met, the bonus will be paid by August 31, 2026.
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
Chase Total Checking® - $400 Bonus
- New Chase checking customers can receive $400 when you open a Chase Total Checking® account and make direct deposits totaling $1,000 or more within 90 days of coupon enrollment.
- Unlock more offers with Chase. Get up to $500 per calendar year by referring friends and family. Plus, get cash back from top brands with Chase Offers when you use your debit card.
- Chase Total Checking® has a $15 monthly service fee, you can easily avoid the fee with direct deposits totaling $500 or more, or a minimum average daily balance each statement period.
- Chase Overdraft Assist℠ – no overdraft fees if you're overdrawn by $50 or less at the end of the business day or if you're overdrawn by more than $50 and bring your account balance to overdrawn by $50 or less at the end of the next business day*
- Chase Mobile® app makes banking simple. Manage accounts, pay bills, send money to friends with Zelle® and deposit checks on the go with Chase Quick Deposit℠.
- Chase has the largest branch network in the U.S. with thousands of ATMs and branches. Use the Chase locator tool to find a branch or ATM near you.
- Chase helps keep your money protected with features like Zero Liability Protection, fraud monitoring and card lock.
- Chase Total Checking includes FDIC insurance up to the maximum amount allowed by law.
- Direct Deposit Required: Yes
- Minimum Deposit to Open: $0
- Minimum Deposit Required: None
Chase Secure Banking℠ - $125 Bonus
- New Chase checking customers enjoy a $125 checking account bonus when you open a Chase Secure Banking℠ account with qualifying transactions. Open online or at any Chase branch.
- Set up direct deposit and you may get your money up to two business days early—exclusively for Chase Secure Banking℠ customers.
- No minimum deposit to open an account and get started plus no overdraft fees with a Chase debit card that helps you stay within your balance.
- No need to worry about overdraft fees - Chase Secure Banking℠ allows you to spend only the money you have available.
- Chase Secure Banking℠ customers told us they save an average of more than $40 per month on fees after opening their account.
- Pay bills, cash checks and send or receive money with Zelle® with a Chase Secure Banking℠ account.
- Chase makes it easy for you to access your money from anywhere with the Chase Mobile® app, plus thousands of ATMs and branches.
- JPMorgan Chase Bank, N.A. Member FDIC.
- Direct Deposit Required: No
- Minimum Deposit to Open: $0
- Minimum Deposit Required: None
Chase College Checking℠ - $125 Bonus
- Enjoy $125 as a new Chase checking customer when you open a Chase College Checking℠ account and complete 10 qualifying transactions within 60 days of coupon enrollment.
- $0 Monthly Service Fee while in school up to the expected graduation date provided at account opening (five years maximum) for students 17-24 years old.
- Wire funds internationally using the Chase Mobile® app or chase.com. Send money to recipients around the world with multiple currency options. Fees apply.
- Keep track of your money with confidence and control in the Chase Mobile® app. The Chase Mobile app helps you bank securely and conveniently from anywhere.
- With Zelle®, you can send and receive money with people and businesses you know and trust who have an eligible account at a participating U.S. bank.
- With Fraud Monitoring, Chase may notify you of unusual debit card purchases and with Zero Liability Protection you won't be held responsible for unauthorized debit card purchases when reported promptly.
- JPMorgan Chase Bank, N.A. Member FDIC
- Direct Deposit Required: No
- Minimum Deposit to Open: $0
- Minimum Deposit Required: None
Chase Private Client Checking℠ - Up to $3,000 Bonus
- Elevate your banking relationship and enjoy a bonus up to $3,000 when you open a new Chase Private Client Checking℠ account with qualifying activities.
- Personalized banking made easier with premium benefits, 24/7 support and access to your banking and investment accounts in one place in the Chase Mobile® app.
Earn $1,000 when you deposit $150,000 or earn $2,000 when you deposit $250,000 or earn $3,000 when you deposit $500,000+. - Get up to a $3,000 bonus when you open or upgrade to a Chase Private Client account, a premium checking account which provides you with a dedicated banker and receive investing guidance from J.P. Morgan Wealth Management to help you reach your financial goals.
- Receive personalized wealth strategies from a J.P. Morgan advisor. Your J.P. Morgan advisor gets to know you, your family and your goals to build a custom financial strategy and investment portfolio that reflects your evolving priorities.
- Bank deposit accounts, such as checking and savings, may be subject to approval. Deposit products provided by JPMorgan Chase Bank, N.A. Member FDIC.
J.P. Morgan Wealth Management is a business of JPMorgan Chase & Co., which offers investment products and services through J.P. Morgan Securities LLC (JPMS), a registered broker-dealer and investment adviser, member FINRA and SIPC. Insurance products are made available through Chase Insurance Agency, Inc. (CIA), a licensed insurance agency, doing business as Chase Insurance Agency Services, Inc. in Florida. Certain custody and other services are provided by JPMorgan Chase Bank, N.A. (JPMCB). JPMS, CIA and JPMCB are affiliated companies under the common control of JPMorgan Chase & Co. Products not available in all states.
INVESTMENT AND INSURANCE PRODUCTS: •
Key Select Checking® - $500 Bonus
- Open a Key Select Checking® account online by May 22, 2026.
- Make the minimum opening deposit of $50 and make a total of $5,000 or more in eligible direct deposits within the first 90 days of account opening.
- Your $500 cash bonus will be deposited into your account within 60 days of meeting requirements. Account must not be closed at the time of gift payment.
- Direct Deposit Required: Make the minimum opening deposit of $50, plus a total of $5,000 or more in eligible direct deposits within the first 90 days of account opening.
- Minimum Deposit to Open: $50
Key Smart Checking® - $300 Bonus
- Open a Key Smart Checking® account online by May 22, 2026.
- Make the minimum opening deposit of $10 and a total of $2,000 or more in eligible direct deposits within the first 90 days of account opening.
- Your $300 cash bonus will be deposited into your account within 60 days of meeting requirements. Account must not be closed at the time of gift payment.
- Direct Deposit Required: Make the minimum opening deposit of $10, plus a total of $2,000 or more in eligible direct deposits within the first 90 days of account opening.
- Minimum Deposit to Open: $10
Here are some of the free checking accounts:
- Axos Bank:
Rewards Checking - Up to 3.30% APY - UFB Freedom Checking & Savings:
Unlock Up to 3.46% APY - Quontic:
High Interest Checking - Up to 1.10% APY
Savings Account Offers
CIT Bank Platinum Savings - $300 Bonus
- Qualify for a $300 cash bonus with a minimum deposit of $50,000
- This limited time offer to qualify for a $225 cash bonus with a minimum deposit of $25,000 or a $300 bonus with a minimum deposit of $50,000 is available to New and Existing Customers who meet the Platinum Savings promotion criteria. The Promotion begins on September 23, 2025 and can end at any time without notice.
CIT Bank Platinum Savings - $225 Bonus
- Qualify for a $225 cash bonus with a minimum deposit of $25,000
- This limited time offer to qualify for a $225 cash bonus with a minimum deposit of $25,000 or a $300 bonus with a minimum deposit of $50,000 is available to New and Existing Customers who meet the Platinum Savings promotion criteria. The Promotion begins on September 23, 2025 and can end at any time without notice.
CIT Bank Platinum Savings - 3.75% APY
- 3.75% APY with a balance of $5,000 or more
- 0.25% APY with a balance of less than $5,000
- $100 minimum opening deposit
- No monthly maintenance fee
- Member FDIC
- Direct Deposit Required: No
- Minimum Deposit to Open: $100
UFB Portfolio Savings - Earn up to 3.26% APY
- Earn up to 3.26% APY.*
- No monthly maintenance fees.
- No minimum deposit required to open an account.
- Access your funds 24/7 with easy-to-use digital banking tools.
- Enjoy peace of mind with FDIC insurance up to the maximum allowance limit – Certificate #35546.
High-Yield Savings Premier - 3.80% APY
- No account fees
- Option to open individual or joint account
- FDIC insured up to $250,000 per depositor
- Only $500 minimum opening deposit
- Minimum Deposit to Open: $500
Here are some of the top savings accounts:
- CIT Bank Platinum Savings:
$300 Bonus - UFB Portfolio Savings:
Earn up to 3.26% APY - Western Alliance Bank:
High-Yield Savings Premier - 3.80% APY - Quontic:
High Yield Savings - 3.50% APY - Live Oak Bank:
Personal Savings - Earn 3.80% APY
Business Checking Account Bonuses
Chase Business Complete Banking® - Up to $500 Bonus
- Earn up to $500 when you open a new Chase Business Complete Checking® account. For new Chase business checking customers with qualifying activities.
- Get added features at no additional costs. Choose Chase Business Complete Banking® to get a fully integrated business solution that can help you control costs. Waive the $15 Monthly Service Fee in multiple ways like keeping a minimum $2,000 balance, plus use built-in offerings such as card acceptance, invoicing, Chase Customer Insights and Tap to Pay on iPhone at no additional cost.
- Bank with confidence. Feel confident knowing we have the largest branch network in the U.S. with 5,000 branches that provide personalized service and can help with your complex banking needs. You can also benefit from our account protection services, which provide safeguards by overseeing employee account activity, monitoring checks, and offering additional protection for your business.
- Access top-rated online business banking. Take advantage of our #1-ranked online small business banking platform with a comprehensive set of features designed for small business owners like you. Our tools enhance your ability to manage cash flow, accept and make payments, create invoices and plan for growth, so you can streamline processes and gain greater control of your finances.
- Direct Deposit Required: No
- Minimum Deposit to Open: $0
Bank of America® Business Advantage Banking - $400 or $750 Cash Bonus Offer
- The $400 or $750 cash bonus offer is an online only offer and must be opened through the Bank of America promotional page.
- The offer is for new eligible business checking customers only.
- Offer expires 12/31/2026.
- To qualify, a new Business Advantage Relationship Banking or Business Advantage Fundamentals™ Banking account through the promotional page and deposit New Money* directly into that new eligible account within thirty (30) days of account opening (“Deposit Period”). At the
end of the Deposit Period, all New Money deposits made directly into new eligible Business Advantage Banking account will be totaled to determine which Balance Requirement you have met and which corresponding Cash Bonus Tier you
are eligible for.
Balance Requirement Cash Bonus Tier $5,000 $400 $15,000 $750 - Maintain a daily balance in that new Business Advantage Banking account that meets the applicable Balance Requirement during the Maintenance Period**
- After you satisfy all of the requirements, Bank of America will attempt to deposit your earned bonus directly into your new eligible Bank of America Business Advantage Banking account within 60 days.
- Additional terms and conditions apply. See offer page for more details.
- *New Money is new funds deposited into your Business Advantage Banking account that are not transfers from other Bank of America accounts or Merrill investment accounts.
- ** The Maintenance Period begins thirty-one (31) calendar days after account opening and ends ninety (90) calendar days after account opening.
- Bank of America, N.A. Member FDIC
U.S. Bank Business Essentials - $400 Bonus
Promo code Q1AFL26 MUST be used when opening a U.S. Bank Business Essentials® or Platinum Business Checking account. Limit of one bonus per business. A $100 minimum deposit is required to open one of the referenced accounts.
To earn a business checking bonus, open a qualifying U.S. Bank business checking account between 1/15/2026 and 3/31/2026. Make the required deposit(s) in new money within 30 days of account opening, maintain the same required daily balance through the 60th day, and complete 6 qualifying transactions based on posted date within 60 days of account opening.
Business Essentials: $400 bonus with $5,000 new money deposits, daily balance, and 6 qualifying transactions.
Qualifying transactions include debit card purchases, ACH and wire credits or debits, Zelle credits or debits, U.S. Bank Mobile Check Deposit, electronic or paper checks, Bill Pay (excluding payments made by credit card), and payment received via U.S. Bank Payment Solutions. Other transactions, such as person-to-person payments, credit card transfers, or transfers between U.S. Bank accounts, are not eligible.
New money is defined as funds from outside U.S. Bank and cannot be transferred from another U.S. Bank product or a U.S. Bank Affiliate. For accounts opened on non-business days, weekends or federal holidays, the open date is considered the next business day. Account fees may reduce the required daily balance during the qualifying period.
Bonus will be deposited into your new eligible U.S. Bank business checking account within 30 days after the month-end in which all offer requirements are met, provided the account remains open with a positive available balance.
Offer may not be combined with other business checking bonus offers. Existing businesses with a business checking account or had one closed within the past 12 months, do not qualify.
All regular account-opening procedures apply. For full checking account pricing, terms and policies, refer to your Business Pricing Information, Business Essentials Pricing Information, and YDAA disclosure. These documents are available at any U.S. Bank branch or by calling 800.872.2657.
Bonus will be reported as interest earned on IRS Form 1099-INT and recipient is responsible for any applicable taxes. Current U.S. Bank employees are not eligible. U.S. Bank reserves the right to withdraw this offer at any time without notice.
Member FDIC
- Minimum Deposit to Open: $100
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 03/31/2026 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
- Minimum Deposit to Open: $0
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
- Direct Deposit Required: No
- Minimum Deposit to Open: $0
Lili: Free Checking Account for Small Business Owners
- Sign up in 3 minutes; no credit check
- No account fees - $0 monthly fee, overdraft fee, foreign transaction fee, or ATM fees at approximately 40,000 locations
- Automatic Savings
- Get paid up to 2 days early
- Savings with up to 4.00% APY
- Minimum Deposit to Open: $0
Bluevine: Free Business Checking - Up to 1.3% APY
- 1.3% APY on your balance up to $250,000 for customers that meet monthly eligibility requirements
- $0 minimum opening deposit
- $0 monthly service fee
- Minimum Deposit to Open: $0
Relay: No-Fee Business Checking
- $0 monthly service fee
- $0 minimum opening deposit
- Open up to 20 individual business checking accounts
- Earn up to 2.68% APY with automated savings
- Issue up to 50 Visa® debit cards to your team
- Minimum Deposit to Open: $0
Novo: Free Business Checking
- $0 monthly service fee
- $50 deposit to unlock all features
- ATM fee refunds up to $7 per month
- Minimum Deposit to Open: $50
U.S. Bank Platinum Business Checking - $1,200 Bonus
Promo code Q1AFL26 MUST be used when opening a U.S. Bank Business Essentials® or Platinum Business Checking account. Limit of one bonus per business. A $100 minimum deposit is required to open one of the referenced accounts.
To earn a business checking bonus, open a qualifying U.S. Bank business checking account between 1/15/2026 and 3/31/2026. Make the required deposit(s) in new money within 30 days of account opening, maintain the same required daily balance through the 60th day, and complete 6 qualifying transactions based on posted date within 60 days of account opening.
Platinum Business Checking: $1,200 bonus with $25,000 new money deposits, daily balance, and 6 qualifying transactions.
Qualifying transactions include debit card purchases, ACH and wire credits or debits, Zelle credits or debits, U.S. Bank Mobile Check Deposit, electronic or paper checks, Bill Pay (excluding payments made by credit card), and payment received via U.S. Bank Payment Solutions. Other transactions, such as person-to-person payments, credit card transfers, or transfers between U.S. Bank accounts, are not eligible.
New money is defined as funds from outside U.S. Bank and cannot be transferred from another U.S. Bank product or a U.S. Bank Affiliate. For accounts opened on non-business days, weekends or federal holidays, the open date is considered the next business day. Account fees may reduce the required daily balance during the qualifying period.
Bonus will be deposited into your new eligible U.S. Bank business checking account within 30 days after the month-end in which all offer requirements are met, provided the account remains open with a positive available balance.
Offer may not be combined with other business checking bonus offers. Existing businesses with a business checking account or had one closed within the past 12 months, do not qualify.
All regular account-opening procedures apply. For full checking account pricing, terms and policies, refer to your Business Pricing Information, Business Essentials Pricing Information, and YDAA disclosure. These documents are available at any U.S. Bank branch or by calling 800.872.2657.
Bonus will be reported as interest earned on IRS Form 1099-INT and recipient is responsible for any applicable taxes. Current U.S. Bank employees are not eligible. U.S. Bank reserves the right to withdraw this offer at any time without notice.
Member FDIC
- Minimum Deposit to Open: $100
High Interest Rates
- Western Alliance Bank:
High-Yield Savings Premier - 3.80% APY - Live Oak Bank:
Personal Savings - Earn 3.80% APY - CIT Bank Platinum Savings:
3.75% APY - Quontic:
High Yield Savings - 3.50% APY - UFB Freedom Checking & Savings:
Unlock Up to 3.46% APY
How do Bank Promotions Work?
Bank promotions are incentives for new customers to open a new checking or savings account. Typically, you'll have to make qualifying deposits and keep the account open for a certain amount of time to get the bonus.
Banks benefit by getting new customers. Because when you deposit money with them, they can earn profits by loaning out your cash. That's why banks will typically require some kind of deposit in order to earn a bonus.
You also benefit by getting free money for switching to a new bank. A win-win!
How Can I Qualify for a Bank Account Bonus?
Banks have criteria you must meet to earn an account bonus. To qualify, you usually need to deposit a certain amount of money (in either direct deposits or transfers) within a certain timeframe. You also must keep your account open for a few months or the bonus will be taken back.
Sometimes, the bank may also require that you complete some activities. This can range from making a certain number of debit card purchases, enrolling in mobile banking, or using online bill pay.
Depending on the bank promotion, they may have just one requirement or a combination of a few.
Also, to qualify, you need to be a new customer. Some banks are more strict and say that you cannot have ever received a bonus from them before. Some say that you just can't have closed an account or received a bonus in the past 1 or 2 years. This is to prevent people from opening and closing accounts just to get bonuses.
What's the Best Bank for Me?
The best bank for you depends on what you want out of a bank. Do you want convenience, low fees, or high interest? Here are the different types of banks and why you may pick each one.
- National banks: best accessibility. These are the big traditional banks such as Bank of America, Wells Fargo, etc. These banks typically have physical locations and ATMs throughout the country. So you can get in-person help and do your banking no matter where you are. However, these banks usually offer very low interest and have fees and/or balance requirements.
- Regional or community banks: best local service. Regional banks are usually limited to one geographical area, whether it be several states or a single city. They usually offer higher interest and less fees. But you may need to switch banks if you move.
- Credit unions: best personalized service. These can be thought of mom-and-pop banks. The locations may be very limited (sometimes only one branch), but credit unions offer higher interest, competitive loan rates, and great personalized service.
- Online banks: best interest rates. If you're comfortable with doing your banking completely on the web or via mobile app, online banks will offer the highest interest rates (in exchange for no physical locations). Many online banks have no account fees and no balance requirements.
Credit unions generally offer higher interest rates, better loan rates, lower fees, and better personalized customer service than traditional banks. Credit unions are nonprofit, whereas banks are for-profit. Banks have more nationwide accessibility, but the interest rate is usually low and they charge more fees.
Bonus Promotions FAQs
What banks give instant bonuses for opening accounts?
Banks won't give instant bonuses just for opening a new account. They want you to use their account by depositing money, setting up direct deposit, or making purchases. After you complete the qualifying activities, you'll receive your bonus.
How are bank bonuses paid?
After you've met the requirements for the bonus, banks will deposit the cash into your account. Usually, it'll take several business days. The bonus offer should give a timeframe for when they will deposit the bonus.
Does a bank bonus count as income?
Yes, welcome cash bonuses for opening a bank account are considered income. You will get a 1099-INT from the bank and you'll need to report it as interest income on your taxes. It'll be taxed at your ordinary income tax rate.
Does switching banks hurt your credit?
No, switching banks will not hurt your credit. Opening a new bank account is only a soft pull, which doesn't impact your credit score. But, don't forget to switch over automated payments. If payments fail because they're still going to your old bank account, that will harm your credit.
Can you have 2 bank accounts?
There's no limit to how many bank accounts you can have legally. Many people find it helpful to have more than one bank account to stay organized (like a primary account and one for paying bills).
If you're in the market for a 2nd account, it's a great chance to take advantage of bank bonuses.
Methodology: How We Picked the Best Bank Bonuses
First, we picked larger banks that are offering at least $100 bonus. Most of the promotions on our list offer $200 or even more. We chose banks that serve a wide area, so they're available to more people.
We also picked offers that are available to apply for online, since that's more convenient for most people. And you can take advantage of the offer even if you don't live super close to a branch.
The requirements to earn the sign-up bonus offers must be reasonable and relatively easy to meet. There are also some larger bonuses targeted towards premium checking customers with higher criteria.
Finally, we picked bank accounts that we truly feel offer good features and benefits. So that even after you receive your bonus, you'll still find value in being a customer. Hopefully, the sign-up bonus is just an added perk over the long-term benefits.
What Experts Say
CreditDonkey assembled a panel of industry experts to answer readers' most pressing questions. Here's what they said:
Top Banks with Promotions
- Chase: Only bank in the US with branches in all 48 contiguous states; over 4,700 branches and 15,000 ATMs; many checking options including free accounts for students and kids.
- Bank of America: There are thousands of ATMs and financial centers; good customer service with extended hours.
- Wells Fargo: Approximately 4,100 locations and more than 11,000 ATMs; many checking options including a second chance account for those who had financial troubles.
- Ally Bank: Online bank with wide array of services, high interest rates, no fees, and great 24/7 customer service.
- Capital One: Hybrid brick-and-mortar and online bank; all banking products have no monthly service fees or minimum opening deposits.
- CIT Bank Bonus Offers: Online bank with one of the highest interest rates for online savings account.
- PNC Bank: Unique Virtual Wallet feature and financial tools that help you reach your goals; account fee is easily waived.
- TD Bank: Extended banking hours and 24/7 customer service; checking account fees waived with low account minimums.
- Alliant Credit Union: A credit union with high interest rates, ATM fee rebates, and large network of over 80,000 fee-free ATMs. Anyone can join with simple qualifications.
More Bank Offers
- Wells Fargo:
Personal Checking Account - $2,500 Bonus
Open a new Premier Checking account or upgrade your existing checking account to a Premier Checking account. Use promo code at account opening. Offer code can be obtained by providing your email address. Deposit $250,000 or more to qualifying linked accounts within 45 days of account opening or upgrade. Maintain a balance of $250,000 or more in the qualifying linked accounts for at least 90 days after account opening or upgrade.The information for Premier Checking has been collected independently by CreditDonkey. The details on this page have not been reviewed or provided by the bank.
- E*TRADE:
Personal Savings Account - Up to $2,000 Bonus
Open a new Premium Savings account online. Use promo code SAVE26 at account opening. Deposit at least $20,000 of qualifying new money within the first 30 days after account opening. Maintain an average daily balance of $20,000 or more for 45 additional days after the 30-day funding period. Earn a cash credit depending on the amount deposited and maintained in the account. Terms and conditions apply.Deposit Amount Minimum Maintenance Balance Cash Credit $20,000-$49,999 $20,000 $300 $50,000-$74,999 $50,000 $750 $75,000-$99,999 $75,000 $1,000 $100,000-$199,999 $100,000 $1,500 $200,000 or more $200,000 $2,000 - Raisin:
High-Yield Savings Account - Up to $1,500 Bonus
New customers only. Earn up to a $1,500 bonus.- Select a savings offer and sign up: Choose and fund at least one high-yield savings account or CD on the Raisin platform to get started. Be sure to enter bonus code HEADSTART during sign-up to be eligible for a cash bonus.
- Deposit funds: The more you save, the more you can earn. Make a qualifying deposit(s) within 14 days of opening your account to set your bonus tier.
- Maintain your deposit(s): Maintain your deposit(s) for 90 days from your first deposit date to earn your bonus.
Deposit Cash Bonus $10,000 - $24,999 $70 $25,000 - $49,999 $175 $50,000 - $99,999 $350 $100,000 - $199,999 $750 $200,000 or more $1,500 - Capital One:
Personal Savings Account - $1,500 Bonus
Open a new 360 Performance Savings account. Use promo code BONUS1500 at account opening. Deposit at least $100,000 of external funds within 15 days of account opening. Maintain at least $100,000 in the account for 90 days more after the initial 15 days after account opening. - Citi Checking - $1,500 Bonus
Open a new Regular Checking account and enroll in this offer the same day the account was opened. Deposit at least $200,000 of new-to-Citibank funds into your new checking account within 45 days of account opening. Maintain $200,000 or more in the account for an additional 45 days after the first 45 days. - Banner Bank:
Personal Checking and Savings Account - $1,000 Bonus
Open a new personal checking account. Use promo code 2026DP at account opening. Deposit $5,000 or more within 60 days of account opening. Maintain a minimum balance of $5,000 for 90 days.Open a new Personal High Yield Relationship Savings account. Use promo code 2026DP at account opening. Deposit $25,000 or more within 60 days of account opening. Maintain a minimum balance of $25,000 for 90 days.
- BOK Financial Bank:
Personal Checking and Savings Account - $950 Bonus
Open a new Premier Checking account. Set up and receive qualifying direct deposits totaling 8,000 within 90 days of account opening.Open a new personal savings account. Deposit $10,000 or more in new money within 30 days of account opening. Maintain a balance of at least $10,000 until the 90th day after account opening.
- Chase Total Checking® + Chase Savings℠ - $900 Bonus
Earn $900 when you open a new Chase Total Checking® with direct deposit AND open a new Chase Savings℠ account, deposit a total of $15,000 or more within 30 days, and maintain $15,000 or more for 90 days.- 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.
- Dedham Savings:
Personal Checking Account - $750 Bonus
Open a new Free & Easy Checking account. Use promo code SELECT at account opening. Set up and receive direct deposits totaling $20,000 or more within 90 days of account opening. Complete at least 5 debit card or bill pay transactions totaling $100 within 90 days of account opening. - Nevada State Bank:
Personal Checking and Money Market Account - $700 Bonus
Open a new Gold Account online. Set up and receive qualifying direct deposits totaling $7,500 or more within 90 days of account opening.Open a new money market account within 90 days of opening the Gold Account. Maintain an average daily balance of $25,000 for 90 days. The money market account must be linked to the Gold Account to qualify for the bonus.
- Stanford Federal Credit Union:
Personal Checking Account - Up to $620 Bonus
Open a new Stanford FCU Everyday, Premier or High Yield Spending account. Activate Cashback+ offers in Digital Banking. Earn cash or gift rewards, up to $620 in total, for every task you complete. - Huntington:
Personal Checking Account - $600 Bonus
Open a new Huntington Platinum Perks Checking account. Make a cumulative new money deposit into the checking account of at least $25,000 or more within 90 days of account opening. Account must remain open for at least 90 days.This offer is only available to applicants residing in Colorado, Illinois, Indiana, Kentucky, Michigan, Minnesota, North Carolina, Ohio, Pennsylvania, South Carolina, West Virginia or Wisconsin. $600 will be deposited to your account within 14 business days after meeting requirements.
- 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.
- 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. - Blue Foundry Bank:
Personal Checking and Savings Account - $600 Bonus
Open a new Blue Axis Edge Checking account. Set up and receive monthly minimum direct deposit of $500 or more for at least 6 consecutive months. Open a new Blue Axis Edge Savings account. Deposit $15,000 or more in new money and maintain for 6 months. - Associated Bank:
Personal Checking Account - $600 Bonus
Open a new eligible Associated Bank checking account. Set up and receive direct deposits totaling $500 or more within 90 days of account opening. Maintain a cumulative daily average balance of $10,000 or more on all your open Associated Bank deposit accounts for days 31-90. - Teachers Federal Credit Union:
Personal Checking Account - Up to $600 Bonus
Open a new Smart Checking or Share Draft Checking account. Use promo code SMART600 at account opening. Set up and receive qualifying direct deposits totaling $1,000 or more each monthly statement cycle for six consecutive evaluation periods. - Canyon View Credit Union:
Personal Checking Account - Up to $500 Bonus
Open a new eligible checking account. Set up and receive qualifying direct deposits totaling $1,000 or more per month for 3 consecutive months. Complete 25 or more credit or debit card transactions of at least $5 per month for 3 consecutive months. Open a new auto loan or refinance an auto loan. Keep the account open and in good standing for 6 months. - 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. - Old National Bank:
Business Checking Account - $500 Bonus
Open an Access Business Banking or Pro Access Banking Checking account. Deposit a total of $7,000 or more within 30 days of account opening. Maintain a balance of $7,000 or more in the account for days 31-90 after account opening. Enroll in Small Business Digital Banking and log in within 30 calendar days of account opening. Keep the account active and in good standing for 120 days. - St. Mary's Bank:
Personal Checking and Savings Account - $500 Bonus
Open a new checking account. Use promo code GET500 at account opening. Set up and receive at least 2 recurring direct deposits totaling $1,000 or more into the checking account within 90 days of account opening.Open a new savings account. Use promo code GET500 at account opening. Fund the new savings account with at least $2,000 in new money within 30 days of account opening. Establish a monthly recurring deposit of at least $25 within 30 days of account opening and maintain for six consecutive months. Maintain at least a $2,000 minimum average daily balance for six consecutive months.
- American Bank & Trust:
Personal Checking Account - $500 Bonus
Open a new AB&T checking account. Set up and receive 2 qualifying direct deposits totaling at least $500 or more within 90 days of account opening. Complete 20 debit card transactions within 90 days of account opening. Enroll in eStatements. - CommunityAmerica Credit Union:
Personal Checking Account - $500 Bonus
Open a new Cashback Free Checking or Chiefs Checking account. Use promo code STL500 at account opening. Set up and receive at least two qualifying direct deposits totaling $2,500 or more within 90 days of account opening. Enroll in CommunityAmerica online banking or the CommunityAmerica Mobile App. - Citadel Credit Union:
Personal Checking Account - $500 Bonus
Open a new checking account. Set up and receive a qualifying direct deposits totaling $2,000 or more within 90 days of account opening. Maintain a daily balance of $5,000 or more in your new checking account during days 61-90 after account opening. - Wintrust Bank:
Personal Checking Account - $500 Bonus
Open a new Total Access Checking, Access Plus Checking, or Premier Checking account. Use promo code Builder at account opening. Set up and receive qualifying direct deposits totaling $2,000 or more per month for 2 consecutive calendar months after the calendar month the new account was opened. Enroll in online banking and estatements. - Beverly Bank & Trust:
Personal Checking Account - $500 Bonus
Open a new Total Access Checking, Access Plus Checking, or Premier Checking account. Use promo code Builder at account opening. Set up and receive qualifying direct deposits totaling $2,000 or more per month for 2 consecutive calendar months after the calendar month the new account was opened. Enroll in online banking and estatements. - Trustone Financial Federal Credit Union:
Personal Checking Account - $500 Bonus
Open a new TruStone Checking account. Set up and receive qualifying direct deposit of at least $5,000 within 60 days of account opening. Enroll in e-statements. - Hyde Park Bank:
Personal Checking Account - $500 Bonus
Open a new Total Access Checking, Access Plus Checking, or Premier Checking account. Use promo code Builder at account opening. Set up and receive qualifying direct deposits totaling $2,000 or more per month for 2 consecutive calendar months after the calendar month the new account was opened. Enroll in online banking and estatements. - Elgin State Bank:
Personal Checking Account - $500 Bonus
Open a new Total Access Checking, Access Plus Checking, or Premier Checking account. Use promo code Builder at account opening. Set up and receive qualifying direct deposits totaling $2,000 or more per month for 2 consecutive calendar months after the calendar month the new account was opened. Enroll in online banking and estatements. - Wheaton Bank & Trust Company:
Personal Checking Account - $500 Bonus
Open a new Total Access Checking, Access Plus Checking, or Premier Checking account. Use promo code Builder at account opening. Set up and receive qualifying direct deposits totaling $2,000 or more per month for 2 consecutive calendar months after the calendar month the new account was opened. Enroll in online banking and estatements. - Town Bank:
Personal Checking Account - $500 Bonus
Open a new Total Access Checking, Access Plus Checking, or Premier Checking account. Use promo code Builder at account opening. Set up and receive qualifying direct deposits totaling $2,000 or more per month for 2 consecutive calendar months after the calendar month the new account was opened. Enroll in online banking and estatements. - Provident Credit Union:
Personal Checking Account - $475 Bonus
Open a new Super Reward Checking, Provident Checking, Simply Free Checking, or a Digital Edge Account. Use promo code JOIN475 at account opening. Deposit at least $25 within 60 days of account opening. Make purchases of $400 or more using a Provident debit and/or credit card for 2 consecutive months, starting the month following your checking account opening. Set up and receive direct deposits or automatic credits of $2,000 or more for two consecutive months, starting the month following your checking account opening. Enroll in online banking service and e-Documents. - Byline Bank:
Personal Checking Account - $450 Bonus
Open a new Simple Checking account. Use promo code SIMPLE450 at account opening. Make qualifying deposits totaling $1,000 or more per statement cycle for two consecutive statement cycles. - U.S. Bank Smartly® Checking - $450 Bonus
Open a new U.S. Bank Smartly® Checking account and deposit a minimum of $25 at account opening. Enroll in the U.S. Bank Mobile App or online banking within 90 days of account opening. Complete two or more direct deposits totaling $8,000 or more within 90 days of account opening.The information for U.S. Bank Smartly® Checking Account has been collected independently by CreditDonkey. The details on this page have not been reviewed or provided by the bank.
- Ameriprise Financial:
Personal Savings Account - $450 Bonus
Make eligible deposits totaling $25,000 or more into a new or existing Ameriprise® Bank Savings account. Maintain a balance of at least $25,000 in the account until June 30, 2026. - Unity Bank:
Personal Checking Account - $400 Bonus
Open a new Rewards Checking account. Use promo code 1145 at account opening. Set up and receive at least 4 qualifying direct deposits of $2,500 within 180 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. - Bank of Hawaii:
Personal Checking Account - $400 Bonus
Open a new Bankohana Level II or Bankohana Level III Checking account. Set up and receive qualifying direct deposits totaling $3,500 or more within 60 days of account opening. - Metro Credit Union (MA):
Personal Checking Account - $400 Bonus
Open a new checking account. Set up and receive at least one monthly recurring direct deposit within 60 days of account opening. Sign up for eStatements. Keep the account open and in good standing for at least 90 days. - WECU:
Personal Checking Account - $400 Bonus
Open a new Spend Plus Checking account. Set up and receive a direct deposit of $1,000 or more within 60 days of account opening. This offer is available to qualifying individuals who have not been a member in the last 12 months. - 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.
- Penn Community Bank:
Personal Checking Account - $400 Bonus
Open a new qualifying checking account. Use promo code 400Bonus at account opening. Within 60 days of account opening, set up and receive qualifying direct deposits totaling at least $1,500 OR complete 20 or more debit card purchase transactions that post to the checking account. - 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. - Fidelity Bank (PA):
Personal Checking and Savings Account - $400 Bonus
Open a new qualifying checking account online. Set up and receive qualifying direct deposits totaling $1,500 per month for 3 consecutive months. Make 45 point-of-sale debit card transactions for 3 consecutive months. Sign up for online banking with and EZ statements.Open a new savings account at the same time as the checking account. Deposit $10,000 in new money at account opening. Maintain a balance of $10,000 or more in the savings account for 3 consecutive months.
- Equity Bank:
Personal Checking and Savings Account - $400 Bonus
Open a new checking and savings account. Use promo code GOLD at account opening. Set up and receive qualifying direct deposits totaling $1,000 or more within 45 days of account opening. Activate and use debit card within 45 days of account opening. Keep the account open and in good standing until the payment of bonus. - Purdue Federal Credit Union:
Personal Checking Account - $400 Bonus
Open a new eligible checking account. Set up and receive qualifying direct deposits totaling $4,000 or more within 120 days of account opening. Enroll in eStatements. - First Entertainment Credit Union:
Personal Checking Account - $350 Bonus
Open a new Value Checking or Advantage Checking account. Set up and receive a qualifying direct deposit or electronic transfer of $1,000 or more per month. Keep the account open and in good standing for at least 90 days. This offer is for Sony Pictures employees only. - Frontwave Credit Union:
Personal Checking and Savings Account - $350 Bonus
Open a Primary Checking and Savings account. Set up and receive a recurring direct deposit or ACH of $1,000 or more within 90 days of account opening. Direct deposit or ACH must occur within a single 30-day period during the first 90 days after account opening. Enroll in e-statements. - Chime:
Personal Checking Account - $350 Bonus
Open a new Chime Checking account. Receive a qualifying direct deposit of $200 or more each month for three consecutive months. The first direct deposit must be received within 30 calendar days from account opening. This offer is available to first-time Chime account holders only. - United Federal Credit Union:
Personal Checking Account - $350 Bonus
Open a new Ultra Checking or Rewards Checking account. Deposit $50 or more at account opening. Set up and receive qualifying direct deposits totaling $1,500 or more within 90 days of account opening. Complete at least 20 qualifying debit card transactions within 90 days of account opening. - Liberty Bank for Savings:
Personal Checking Account - $350 Bonus
Open a new personal checking account. Use promo code 500 at account opening. Make an initial deposit of $350. Use the account for mortgage payment via ACH. - APG Federal Credit Union:
Personal Checking Account - $350 Bonus
Open a new High Yield Checking, Member Protect Checking, or Standard Checking account. Set up and receive qualifying recurring direct deposits totaling $500 or more per month within 90 days of account opening. Maintain the recurring direct deposits for 90 days. - MidFirst Bank:
Personal Checking Account - $350 Bonus
Open a new eligible checking account. Use promo code 2026-Check-AO at account opening. Set up and receive qualifying direct deposits totaling $1,000 or more within 90 days of account opening. - M&T Bank:
Personal Checking Account - $350 Bonus
Open a new MyChoice Premium Checking account. Use promo code at account opening. Obtain promo code from offer page. Set up and receive qualifying direct deposits totaling $1,000 or more within 90 days of account opening. - SECU (MD):
Personal Checking Account - $350 Bonus
Open a new SECU Total™ Checking & Rewards account. Within 90 days of account opening, set up and receive 2 or more qualifying payroll direct deposits. Enroll in eStatements within 90 days of account opening. - General Electric Credit Union:
Savings Account - Up to $350 Bonus
Sign up for the Round-Up Program. Every time you use your GECU debit card, your purchase will be rounded up to the nearest whole dollar and transfer that amount from your checking account to the GECU savings account of your choice. At the end of each month, GECU will match 5% of those rounded-up funds. Maximum of $350 bonus per year. Round-Up is only available for Simply Free, Choice, and Amplified High-Yield Checking accounts. - Abington Bank:
Student Checking Account - Up to $335 Bonus
Open a new Get Real Checking account. Get $10 and $25 gift card at account opening. Get $200 when you activate direct deposits OR enroll in online banking, and make 5 debit card transactions. Get $50 when you make 5 bills payment OR active statements. Get $50 on active checking account anniversary. - Easthampton Savings Bank:
Personal Checking Account - Up to $325 Bonus
Open a Get Real Checking® account. Set up and receive direct deposits totaling $1,000 or more OR conduct a minimum of 25 debit card transactions of $10 or more within 90 days of account opening. Enroll in eStatements within 90 days of account opening. Keep your account open with eStatements, and recurring direct deposits or active debit card for 12 months. - Bank @ Work Program - $300 Bonus
Get a $300 bonus when you open a qualifying checking account and complete at least 1 of the following qualifying activities within 120 days of account opening: complete 3 qualifying deposits for at least 3 consecutive months, complete 25 signature-based debit card transactions, or have 6 Bank Five Nine online bill pay transactions. Eligibility for a Bank@Work Incentive is dependent on the employer's participation in Bank Five Nine's Bank@Work program. - SoFi Checking and Savings Account - $300 Bonus
Set up at least one eligible direct deposit of $5,000 or more in your new or existing SoFi Checking and Savings account. Direct deposit must be received before the end of the promotion period. This offer is valid for new or existing customers who do not have any history of direct deposit transactions into their SoFi Checking and Savings account. - Peoples Bank:
Personal Checking Account - Up to $300 Bonus
Open a new Premier Checking account. Receive a $50 credit monthly for the first 6 statement cycles following the account opening. Complete the following per statement cycle to be eligible for the bonus: have at least one direct deposit, be enrolled in eStatements, and have 5 or more debit card purchases debited from your account during the statement cycle. - Hometown Bank:
Personal Checking Account - Up to $300 Bonus
Open a new Get Real Checking® account. Earn $150 when you enroll in eStatements, and either set up and receive qualifying direct deposits totaling at least $1,000 or complete a minimum of 25 POS debit card transactions of $10 or more within 90 days of account opening. Earn $150 loyalty bonus after the account has been opened and in good standing for 12 months, has an active recurring direct deposit posted to the account within the last statement cycle OR has an active debit card with 5 POS transactions of $10 or more posted to the account within the last statement cycle, and is still enrolled in eStatements. - TD Beyond Checking - $300 Cash Bonus
Earn $300 when you have $2,500 in qualifying direct deposits within 60 days. - Trustco Bank:
Personal Checking and Savings Account - $300 Bonus
Open a new Home Town Free Checking account. Set up and receive a qualifying monthly direct deposit of $500 or more within 60 calendar days of account opening. Open a new Rainy Day Fund account with a minimum transfer of $10 per week from your new Home Town Free Checking account. Keep both accounts open and in good standing for 90 days. - Dollar Bank:
Personal Checking Account - $300 Bonus
Open a new Everything Checking account. Use promo code CM604. Get $200 Mastercard debit card rebate when you receive cumulative direct deposits of $2,500 or more within 90 days of account opening. Get $100 credit on the 1-year anniversary of account opening provided the account qualified for the $200 debit card rebate, is active, in good standing and is in a qualifying plan. - Neighborhood Credit Union:
Personal Checking Account - $300 Bonus
Open a new qualifying checking account. Use promo code NEIGHBOR at account opening. Receive one qualifying direct deposit of $500 or more within 60 days of account opening. - Star Financial Bank:
Personal Checking Account - $300 Bonus
Open an eligible checking account. Use promo code STAR300 at account opening. Set up and receive a monthly qualifying direct deposit of $500 or more. Complete at least 5 debit card transactions in each statement cycle. Enroll in e-Statements. - 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. - Grow Financial Federal Credit Union:
Personal Checking Account - $300 Bonus
Open a Basic Savings + CashBack Checking account or a Basic Savings + Checkless Checking account. Set up and receive at least 2 qualifying direct deposits of $500 each within 90 days of account opening. Enroll in online banking and mobile banking within 90 days of account opening. - Oregon State Credit Union:
Personal Checking Account - $300 Bonus
Open a new eligible checking account. Set up monthly direct deposits of $500 or more within 60 days of account opening and receive at least 2 direct deposits within 4 months of account opening. - Stoneham Bank:
Personal Checking Account - $300 Bonus
Open a new Optimum One or Optimum Plus Checking account online or at the Stoneham Billerica Branch. Use promo code 300OFFER at account opening. Set up and receive a monthly qualifying direct deposit of $500 or more within 90 days of account opening. - Arizona Financial Credit Union:
Personal Checking Account - $300 Bonus
Open a new Consumer Checking account. Set up and receive recurring direct deposits totaling $1,000 or more per month within 60 days of account opening. Maintain an account balance of $500 or more on the 60th day after account opening. - The Bank of Elk River:
Personal Checking Account - $300 Bonus
Open an Interest Boost Checking, Cashback Checking, or Everyday Checking account. Set up and complete qualifying checking account totaling $500 or more within 90 days of account opening. - Regions Bank:
Personal Checking Account - $300 Bonus
Register for the offer by December 31, 2026. Open a new personal LifeGreen® Checking account online or in a branch by January 31, 2027. Make $1,000 or more in qualifying ACH direct deposits that post to your account within 90 days of account opening. - Bask Bank:
Personal Checking Account - Up to $300 Bonus
Open a new Bask Interest Checking account. Earn $100 each statement period when the following activities are met: complete at least 5 monthly purchases, totaling a minimum of $50, using your Bask debit card, and maintain an average monthly balance of at least $1,500 in the checking account. - Bank of Texas:
Personal Checking Account - $300 Bonus
Open a new Access Checking account. Make deposits totaling $200 or more within 90 days of account opening. Complete 10 or more debit card transactions within 90 days of account opening. - Fifth Third Bank:
Personal Checking Account - $300 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. - Berkshire Bank:
Personal Checking Account - $300 Bonus
Open a new Berkshire One Checking account. Set up and receive recurring direct deposits totaling $1,000 or more per month for 3 consecutive months. - Seacoast Bank:
Personal Checking Account - $300 Bonus
Open a new eligible 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. - Walden Savings Bank:
Personal Checking Account - $300 Bonus
Open a new qualifying checking account. Complete one of the following within 90 days of account opening: set up and receive qualifying direct deposits totaling at least $1,000, or make debit card purchases totaling a minimum of $1,000. Enroll in online and mobile banking. - 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. - Pennsylvania State Employees Credit Union:
Personal Savings and Checking Account - $300 Bonus
Establish membership and open new savings and checking accounts within 100 days of establishing membership. Use promo code 2026PROMO at account opening. Set up and receive qualifying direct deposits totaling $500 per calendar month within 100 days of establishing membership. Enroll and log in to digital banking within 60 days of establishing membership. - US Senate Federal Credit Union:
Personal Checking and Savings Account - $300 Bonus
Open a new Primary Savings and Senate Checking account with a USSFCU Visa® Debit Card. Use promo code BONUS26 at account opening. Make 20 debit card purchases of $10 or more within 6 months of membership. Set up and receive a monthly qualifying direct deposit of $500 or more for 6 consecutive months. - Columbia Bank:
IRA CD Rollover - $300 Bonus
Rollover a minimum of $50,000 in an IRA CD and keep it open and in good standing for at least 6 consecutive months to receive a $300 bonus. - Abbott Laboratories Employees Credit Union (ALEC):
Personal Checking Account - $300 Bonus
Open a new Rewards Checking account. Set up and receive a qualifying direct deposit of $500 within 90 days of account opening. Sign up for eStatements. - Old Second Bank:
Personal Checking and Savings Account - $300 Bonus
Open a new qualifying checking account. Use promo code EM2 at account opening. Apply and activate a debit card, and enroll in eStatements within 90 calendar days of account opening. Set up and receive at least 2 qualifying direct deposits totaling $500 or more within 90 days of account opening.Open a new Money Builder Savings account with a minimum opening deposit of $1,000. Deposit and maintain a balance of $5,000 or more in your savings account until the 90th day after account opening.
- KeyPoint Credit Union:
Personal Checking Account - $300 Bonus
Open a new checking account at a branch. Use promo code NM26 at account opening. Set up and receive qualifying recurring monthly direct deposit of $1,000 or more for 6 consecutive months. First direct deposit must post within 60 days from account opening. - Hawthorn Bank:
Personal Checking Account - $300 Bonus
Open a new qualifying checking account. Use promo code 2026Cash300 at account opening. Set up and receive at least 2 direct deposits totaling $500 or more within 90 days of account opening. - TBK Bank:
Personal Checking Account - Up to $275 Bonus
Open a new AIM Checking account. Earn $100 when you make at least 3 direct deposits totaling a minimum of $12,000. Earn $50 when you set up at least 3 recurring automatic transfer into a TBK Bank Savings or Money Market Account. Earn $25 when you make 9 successful Bill Pay payments that clear the account to service providers. Earn $25 when you make 50 purchases with your TBK Bank Debit MasterCard. All activities must be completed within 120 days from account opening. Earn an additional $75 for being a TBK at Work participant. You must provide a referral code to qualify for the the TBK at Work bonus. - BankPlus:
Personal Checking Account - $250 Bonus
Open a personal checking account. During the first complete statement cycle following the month the account is opened, set up and receive at least one direct deposit of $500 or more posted and cleared to the new account, make 5 debit card purchases, and enroll in BankPlus Online Banking. - Waukesha State Bank:
Personal Checking Account - $250 Bonus
Open a qualifying checking account using promo code DDA100EBDM21 and get $250 bonus. The $250 bonus is valid only for the following checking accounts: Free Checking with Direct Deposit, Simple Checking, Senior Advantage Checking, Advantage Plus Checking, Interest Checking, Student Checking and Value Added Checking Plus. - Allegius Credit Union:
Personal Checking Account - $250 Bonus
Open a new Kasasa Cash Back account. Make at least 12 PIN-based or signature-based debit card purchases each month for 3 consecutive months. Enroll and log into online banking at least once per month for 3 consecutive months. Enroll in e-Statements. - Air Academy Credit Union:
Personal Checking Account - $250 Bonus
Open a new Cash Rewards Checking or Cash Back Rewards Checking account. Use promo code LOCALBONUS at account opening. Deposit $200 at account opening. Set up and receive qualifying direct deposit totaling $1,500 within 45 days of account opening. Make 1 debit card transaction within 90 days of account opening. - Advia Credit Union:
Personal Checking Account - $250 Bonus
Open a new checking account. Use promo code NM1000 at account opening. Qualify for an Advantage Plus Rewards within 90 days of establishing membership to earn $250 bonus. - Valley Strong Credit Union:
Personal Checking Account - $250 Bonus
Open a regular shares account and an eligible checking account with debit card. Use promo code NEW250 at account opening. Set up and receive direct deposit, or complete an average of 12 debit or POS transactions per month for 90 days. Account must be open and in good standing for 90 calendar days. - Bankers Trust:
Personal Checking Account - $250 Bonus
Open a Direct Checking Plus – Bank with Trust account. Within 60 days of account opening, complete 25 qualifying debit card transactions and have 2 direct or mobile express deposits of at least $200 each. - Vantage Credit Union:
Personal Checking Account - $250 Bonus
Open a new eligible checking account. Use promo code LOU132 at account opening. - Credit Union of Texas:
Personal Checking Account - $250 Bonus
Open a new Secure Checking or Secure Plus Checking account. Deposit $25 and use promo code 250 at account opening. Set up and receive monthly qualifying direct deposits totaling $600 within 60 days of account opening. - First National Bank Texas:
Personal Checking Account - $250 Bonus
Open a new Service 1 or Service 1 High Yield Account. Set up and receive qualifying direct deposit of $600 within 45 days of account opening, within the 33 days before your account's 6th month, and within the 33 days leading up to your account's 12th month. - Everwise Credit Union:
Personal Checking Account - $250 Bonus
Open a new Performance, Advantage, Ultimate, or World Checking account. Use promo code Get250 at account opening. Make electronic deposits of $500 or more within 60 days of account opening. Complete 10 or more debit card purchase transactions within 60 days of account opening. Enroll eStatements using mobile or online banking within 60 days of account opening. - Gesa Credit Union:
Personal Checking Account - $250 Bonus
Open a new Everyday Smart, EarnSmart™, or EarnSmart Perks™ Checking account. Use promo code SMARTS at account opening. Set up and receive at least two recurring direct deposits of $250 or more from an employer or government benefits within 75 days of account opening. Enroll in eStatements within 60 days of account opening. - California Credit Union:
Personal Checking Account - $250 Bonus
Sign up for CCU membership and open a new eChecking account. Establish and receive at least 3 months of recurring qualifying direct deposit with a minimum of $400 per month. Direct deposit must be established within 120 days of membership opening. Enroll in digital banking and estatements within 120 days of account opening. - First Heroes National Bank:
Personal Checking Account - Up to $250 Bonus
Open a new Service 1 checking account. Earn $50 when you receive a qualifying direct deposit of $600 or more within 45 days of account opening. Earn $50 when you receive a qualifying direct deposit of $600 or more and within the 33 days before the 6th month of account opening. Earn $150 when you receive a qualifying direct deposit of $600 or more and within the 33 days before the 12th month of account opening. - Honor Credit Union:
Personal Checking Account - $250 Bonus
Open a new checking account. Make cumulative ACH deposits of $500 or more within 60 days of account opening. Complete at least 8 debit card transactions within 60 days of account opening. - Picatinny Federal Credit Union:
Personal Checking Account - $250 Bonus
Open a new checking account. Set up and receive a monthly recurring direct deposit of $500 or more within 60 days of account opening. - FourLeaf Federal Credit Union:
Personal Checking Account - $250 Bonus
Open a new Free Checking account. Set up and receive qualifying direct deposit of $100 or more within 90 days of account opening. This offer is valid only to employees of employers that participate in the FourLeaf Bank at Work Program. - Firefighters First Credit Union:
Personal Checking Account - $250 Bonus
Open a new qualifying checking account. Set up and receive monthly direct deposits of $1,000 or more for two consecutive months. Offer limited to new Firefighters First Credit Union members only and is valid for 12 months from the opening date of membership. - Citizens Equity First Credit Union:
Personal Checking Account - Up to $225 Bonus
Open a new qualifying checking account with minimum deposit of $25.Earn $200 when you satisfy one or more of the following within the first full calendar month after account opening: have a minimum individual balance of $5,000 or minimum household balance of $10,000, make 5 or more purchases of at least $15 with your CEFCU Debit Mastercard linked to this new checking account, OR have direct deposits totaling $500 or more on this checking account or associated savings account. Enroll in eStatements.
Earn $25 when you use your CEFCU Debit Mastercard linked to this new checking account for 5 or more purchases of at least $15 each month, for the first three full calendar months following account opening.
This offer is available only to customers who reside in California.
- Blaze Credit Union:
Personal Checking Account - $225 Bonus
Open a Blaze Free Checking or Pathfinder Checking account. Set up automatic payment or direct deposit within 60 calendar days of account opening. Complete 6 debit card transactions within 60 calendar days of account opening. - Washington Trust Bank:
Personal Checking Account - $225 Bonus
Open a new checking account. Use promo code WT225 at account opening. Set up and receive qualifying direct deposits within 90 calendar days of account opening. - OneAZ Credit Union:
Personal Checking Account - $200 Bonus
Establish a membership and open a new checking account. Establish recurring monthly direct deposits of $1,000 or more within 60 days of account opening. - Holyoke Credit Union:
Personal Checking Account - $200 Bonus
Open a Holyoke Simply Free Checking account. Set up and receive a qualifying direct deposit within 60 days of account opening. Direct deposit must be deposited for each monthly qualification cycle (statement period) for a full year. Enroll in online banking and receive eStatements. Complete at least 6 debit card purchases post and clear per monthly qualification cycle OR spend $1,000 on your Holyoke Credit Union Visa Platinum Credit Card within 3 months of the credit card being issued. - 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. - SouthState Bank:
Personal Checking Account - $200 Bonus
Open a new qualifying checking account. Use promo code EARN200 at account opening. Within 60 days of account opening, complete 15 debit card transactions, and have monthly cumulative direct deposits of at least $250 OR preauthorized automatic draft(s) of $25. - Spokane Teachers Credit Union:
Personal Checking Account - $200 Bonus
Offer is available only to employees of STCU community business partners. Open a new qualifying STCU checking account. Set up and receive qualifying direct deposit for 2 consecutive months. Complete at least 2 of the following activities to qualify for bonus: get a free debit card, set up billpay from your online banking account and make a payment, and sign up for free e-statements. You must sign up for Account Booster by bringing proof of employment to one of STCU branch locations. - The Union Bank Company:
Personal Checking Account - $200 Bonus
Open a new Cash Back Rewards account. Set up and receive monthly direct deposit/ACH of $500 or more. Keep the account open and in good standing for 90 days. - Desert Financial Credit Union:
Personal Checking Account - $200 Bonus
Open a new Free Checking account. Set up and receive a qualifying direct deposit of $500 or more within 60 days of establishing membership. Complete at least 10 account transactions and enroll in eStatements within 60 days of establishing membership. - North State Bank:
Personal Checking Account - $200 Bonus
Open a new Performance Checking 2.0 account. Within 90 to 180 days of the account opening, complete at least 20 paid debit card transactions (not including ATM transactions) and have at least one direct deposit within a statement cycle. - Notre Dame Federal Credit Union:
Personal Checking Account - $200 Bonus
Open a new qualifying checking account. Set up and receive monthly direct deposits totaling $1,000. - Waterstone Bank:
Student Checking Account - $200 Bonus
Open a new Essential Checking account. Set up and receive a qualifying recurring automatic deposit of $250 or more within 60 calendar days of account opening. Keep the account open and in good standing for at least 1 year. - OUR Credit Union:
Personal Checking Account - $200 Bonus
Open a new Premium Checking account. Set up and receive recurring monthly direct deposits totaling $500 or more. Enroll in eStatements and make at least one debit card transaction per month over the first 60 days. - Fulton Bank:
Personal Checking Account - $200 Bonus
Open a new Team Advantage Banking Checking account. Within 60 days of account opening, complete at least 15 debit card purchases, or set up recurring direct deposit in totaling $250 or more. This offer is available to employees of companies participating in the Workplace Banking Program. - 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. - First Commonwealth Bank:
Personal Checking Account - $200 Bonus
Open a new qualifying checking account online or by phone. Use promo code FCB22026 at account opening. Complete 10 or more qualifying debit card purchases within 60 days of account opening. - Indiana Members Credit Union:
Personal Checking Account - $200 Bonus
Open a new Free Regular or Preferred Checking account. Use promo code IMCU200 at account opening. Set up and receive direct deposits totaling $400 or more. $200 will be deposited into the new checking account after two payrolls have posted to the account. - Horizon Credit Union:
Personal Checking Account - $200 Bonus
Open a new qualifying checking account. Use promo code get200 at account opening. Fund the account with a minimum of $250 within 5 business days of account opening. Make 15 or more debit card transactions within 60 days of account opening. Enroll in eStatements. Keep the account open and in good standing for 60 days. - 1st United Credit Union:
Personal Checking Account - $200 Bonus
Open a new checking account using promo code HACIENDA. Activate and make ten (10) signature or PIN purchases of $10 or more with your debit card within 60 days of account opening. - Georgia's Own Credit Union:
Personal Checking Account - $200 Bonus
Open a new All Access Checking account online. Use promo code WELCOME26 at account opening. Make 15 debit card transactions per statement cycle for the first two consecutive statement cycles. Set up and receive qualifying direct deposits per statement cycle for the first two consecutive statement cycles. Enroll in online banking. - USAA Bank:
Personal Checking Account - $200 Bonus
Open a new USAA Classic Checking account. Set up and receive a qualifying direct deposit of $100 or more within 90 calendar days after account opening. - Credit Union ONE:
Personal Checking Account - $200 Bonus
Open a new Cash Back Checking account. Set up and receive a qualifying direct deposit within 90 days of account opening. Enroll in Digital Banking and maintain an active Mastercard Debit Card. Keep the account open and in good standing for 90 days. - Mountain America Credit Union:
Personal Checking Account - $150 Bonus
Open a new MyStyle Checking account with eStatements. Use promo code BYU26 at account opening. Set up and receive a qualifying monthly direct deposit within 60 days of account opening. - Altra Federal Credit Union:
Personal Checking Account - $150 Bonus
Open a new A+ Checking or A+ Platinum Checking account using promo code RPSD_A+150. Make 10 or more eligible Altra debit card transactions which must be posted within 30 days of account opening. - US Federal Credit Union:
Personal Checking Account - $150 Bonus
Receive $150 for signing up for direct deposit to your checking account. Account must be receiving direct deposit and e-statements for six months to get bonus. - Propel Credit Union:
Personal Checking Account - Up to $150 Bonus
Open a new iSAVE Free Checking account. BHCU will match up to $50 of member's first ACH that posts to the checking account within 30 days of opening. HCU will refund up to $50 of member's first payments using bill pay from the checking account within 30 days of opening. BHCU will refund up to $50 of all debit card purchases (excludes ATM withdrawals) that post to the checking account within 30 days of opening. - Andrews Federal Credit Union:
Personal Checking Account - $150 Bonus
Establish a new membership with Andrews Federal Credit Union. Open a new Kasasa Cash, Kasasa Cash Back, Forces, or Online Checking account. Use promo code NEW150 at account opening. Set up and receive qualifying direct deposit of $500 or more within 60 calendar days of account opening. Maintain that direct deposit in the account for at least 90 calendar days. - Unify Financial Credit Union:
Personal Checking Account - Up to $150 Bonus
Open a new qualifying checking account with a Visa debit card. Establish a qualifying monthly direct deposit of at least $500 within 60 days of account opening. Get an additional bonus of up to $50 by earning $1 bonus for each debit card transaction that exceeds $5 made with your Visa debit card within the first 60 days of account opening. - Republic Bank of Chicago:
Personal Checking Account - $150 Bonus
Open a new Choice Checking account. Setup and complete a direct deposit to the checking account within 60 days of account opening. - Greater Nevada Credit Union:
Personal Checking Account - $150 Bonus
Open a new qualifying checking account. Within 90 days of account opening, have at least one direct deposit, have an active email address for your GNCU account, enroll in eStatements and online banking. Offer is part of the Community Heroes program. - Fremont Bank:
Personal Checking Account - $150 Bonus
Open a new Cornerstone Checking account. Within 60 days of account opening, establish a recurring direct deposit of $500 or more, complete two or more online or mobile bill payments, and make 25 or more qualifying debit card purchases of $5 or more. - Jovia Financial Credit Union:
Personal Checking Account - $150 Bonus
Open a new Go Green or CareFree Checking account. Set up and receive recurring direct deposits of $500 or more 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. - Diversified Members Credit Union:
Personal Checking Account - Up to $120 Bonus
Open a Give Back Credit Union Rewards Checking account. Get $10 deposited monthly to your checking account when you complete the following: have at least 15 debit card transactions every month, and be enrolled in online banking and eStatements.
Bank of America
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Chase
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Citibank
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Capital One
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Axos Bank
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Charles Schwab Bank
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Current
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Quontic
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Apple
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Bask Bank
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Chime
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DR Bank
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Elevault
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FitnessBank
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Found
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GO2bank
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Marcus by Goldman Sachs
Marcus by Goldman Sachs offers savings accounts and CDs at high interest rates. But don't expect accounts with a lot of bells and whistles. Read on for the pros and cons...
Mission Valley Bank
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Navy Federal Credit Union
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SoFi
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BMO
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Fifth Third Bank
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TD Bank
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First Citizens Bank
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Huntington Bank
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KeyBank
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