Best Checking Account Bonus Offers for January 2026
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Score up to $3,000 with the best checking account bonuses.
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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
It's easy. The more you fund, the more you earn. Discover all that Premier can do for you
- 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.
Monthly Fee
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
What banks give bonuses for checking accounts?
Here are some of the best checking account offers to compare before you open a new account:
Here are some of the best checking account offers to compare before you open a new account:
- Bank of America Advantage Banking:
Up to $500 Cash Offer - HSBC Premier:
Earn Up to $7,000 - Chase Total Checking®:
$400 Bonus
For more opportunities, check out the $500 checking account bonuses you can earn.
Would you switch banks for a cash bonus or promotional offer?
Checking Account Offers for January 2026
Checking bonuses provide a direct financial incentive to new customers, effectively rewarding your banking choice.
Which bank gives the best bonus?
Here are checking bonus offers worth considering:
Here are checking bonus offers worth considering:
- HSBC Premier:
Earn Up to $7,000 - Chase Private Client Checking℠:
Up to $3,000 Bonus - Bank of America Advantage Banking:
Up to $500 Cash Offer - Wells Fargo Everyday Checking Account:
$325 Bonus - KeyBank:
Key Select Checking® - $500 Bonus
HSBC Premier - Earn Up to $7,000
It's easy. The more you fund, the more you earn. Discover all that Premier can do for you
- 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.
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: •
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.
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.
- Minimum Deposit to Open: $0
- Direct Deposit Required: Yes
- Minimum Deposit Required: None
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 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
- Minimum Deposit to Open: $0
- Direct Deposit Required: No
- 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.
- Minimum Deposit to Open: $0
- Direct Deposit Required: No
- Minimum Deposit Required: None
Key Select Checking® - $500 Bonus
Earn $500 after qualified activities until 5.22.26 with interest-bearing Key Select Checking®.
- 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.
- Minimum Deposit to Open: $50
- 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.
Key Smart Checking® - $300 Bonus
Earn $300 after qualified activities until 5.22.26 with the no-monthly-maintenance-fee Key Smart Checking®.
- 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.
- Minimum Deposit to Open: $10
- 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.
What banks pay you the most to open an account?
- HSBC Premier:
Earn Up to $7,000 - Chase Private Client Checking℠:
Up to $3,000 Bonus - Wells Fargo:
Personal Checking Account - $2,000 Bonus - Dedham Savings:
Personal Checking Account - $750 Bonus - Nevada State Bank:
Personal Checking and Money Market Account - $700 Bonus - Stanford Federal Credit Union:
Personal Checking Account - Up to $620 Bonus - Hancock Whitney Bank:
Personal Checking and Savings Account - $600 Bonus - Huntington:
Personal Checking Account - $600 Bonus - Blue Foundry Bank:
Personal Checking and Savings Account - $600 Bonus - Teachers Federal Credit Union:
Personal Checking Account - Up to $600 Bonus - Synovus Bank:
Personal Checking Account - $600 Bonus - Associated Bank:
Personal Checking Account - $600 Bonus - Canyon View Credit Union:
Personal Checking Account - Up to $500 Bonus - Beverly Bank & Trust:
Personal Checking Account - $500 Bonus - St. Mary's Bank:
Personal Checking and Savings Account - $500 Bonus - CommunityAmerica Credit Union:
Personal Checking Account - $500 Bonus - Wintrust Bank:
Personal Checking Account - $500 Bonus - Trustone Financial Federal Credit Union:
Personal Checking Account - $500 Bonus - Town Bank:
Personal Checking Account - $500 Bonus - Hyde Park Bank:
Personal Checking Account - $500 Bonus - Elgin State Bank:
Personal Checking Account - $500 Bonus - Citadel Credit Union:
Personal Checking Account - $500 Bonus - Wheaton Bank & Trust Company:
Personal Checking Account - $500 Bonus - Old National Bank:
Business Checking Account - $500 Bonus - American Bank & Trust:
Personal Checking Account - $500 Bonus - Bank of America Advantage Banking:
Up to $500 Cash Offer - Flagstar Bank:
Personal Checking Account - $500 Bonus - Provident Credit Union:
Personal Checking Account - $475 Bonus - Byline Bank:
Personal Checking Account - $450 Bonus - U.S. Bank Smartly® Checking:
$450 Bonus - WECU:
Personal Checking Account - $400 Bonus - Equity Bank:
Personal Checking and Savings Account - $400 Bonus - MIDFLORIDA Credit Union:
Personal Checking Account - $400 Bonus - Citizens Bank:
Personal Checking and Savings Account - $400 Bonus - Bank of Hawaii:
Personal Checking Account - $400 Bonus - Fidelity Bank (PA):
Personal Checking and Savings Account - $400 Bonus - Metro Credit Union (MA):
Personal Checking Account - $400 Bonus - Unity Bank:
Personal Checking Account - $400 Bonus - Purdue Federal Credit Union:
Personal Checking Account - $400 Bonus - Truist Bank:
Personal Checking Account - $400 Bonus - PNC Bank:
Virtual Wallet with Performance Select Checking - $400 Bonus - Penn Community Bank:
Personal Checking Account - $400 Bonus - SECU (MD):
Personal Checking Account - $350 Bonus - Chime:
Personal Checking Account - $350 Bonus - First Entertainment Credit Union:
Personal Checking Account - $350 Bonus - Liberty Bank for Savings:
Personal Checking Account - $350 Bonus - M&T Bank:
Personal Checking Account - $350 Bonus - United Federal Credit Union:
Personal Checking Account - $350 Bonus - Frontwave Credit Union:
Personal Checking and Savings Account - $350 Bonus - Abington Bank:
Student Checking Account - Up to $335 Bonus
If avoiding extra fees is your priority, check out the best free checking accounts.
Interest Checking Accounts
Axos ONE - Earn up to 4.31% APY
- Earn up to 4.31% APY* on savings, and 0.51% APY* on checking when you meet requirements.
- Get your money up to 2 days early.
- No monthly maintenance, minimum balance, account opening, or overdraft fees.
- Minimum Deposit to Open: $0
- Minimum Deposit Required: $0
- APY: Up to 4.31% on savings and 0.51% APY on checking
UFB Freedom Checking & Savings - Unlock Up to 3.46% APY
Combine Freedom Checking with Portfolio Savings to boost your savings APY by up to 0.20%.* Fewer fees, faster transactions. Plus, earn 2.00% APY* on your checking account.
- APY: Savings: Earn up to 3.46% APY
Checking: Earn 2.00% APY
Rewards Checking - Up to 3.30% APY
- Build your own APY with up to 3.30% APY*
- Zero monthly maintenance fees
- Zero overdraft or NSF fees
- Zero minimum monthly balance reqs
- No initial deposit requirement
- Unlimited domestic ATM fee reimbursements
- Online debit card management
- Simple, 3-step process for direct deposit
- Minimum Deposit to Open: $0
- Minimum Deposit Required: $0
- APY: Up to 3.30%
UFB Freedom Checking - 2.00% APY
- Earn 2.00% APY* in your checking account, 25x the national average†
- Fewer account fees keep more of your money where it belongs – with you.
- Use your debit card at over 90,000 fee-free ATMs.
- APY: Earn 2.00% APY
Sofi Checking and Savings
- Up to 3.60% APY with direct deposit on savings balances
- $0 monthly fees
- No minimum balance
- Get paid 2 days early
- Minimum Deposit to Open: $0
- APY: 3.60% APY on savings balances with direct deposit (1.00% APY without) and 0.50% APY on checking balances
Wealthfront Cash Account
- 4.00% APY on all your cash
- $0 monthly fees
- No overdraft fees
- Wealthfront is not a bank. Funds held in Wealthfront Cash Account are FDIC-insured up to $8 million through partner banks.
- Minimum Deposit to Open: $0
- APY: 4.00% APY
Fidelity: Cash Management Account
- $0 monthly fees
- No minimum balance
- Unlimited ATM rebates in the US
- FDIC coverage up to $5 million
- Minimum Deposit to Open: $0
- APY: 1.96%
Consumers Credit Union: Free Rewards Checking
- Earn up to 5.00% APY*
- Unlimited reimbursement for any and all ATM fees**
- Over 30,000 ATMs & over 5,000 shared branches
- No monthly maintenance fees
- No minimum balance
- Minimum Deposit to Open: $5
- APY: Earn up to 5.00% APY
mph.bank: MPH First Account
- For ages 10-24
- No monthly fee
- No minimum deposit
- 3.00% APY on your Goals savings account balances
- Minimum Deposit to Open: $0
- APY: 3.00% APY on your Goals savings account balances
GO2bank Online & Mobile Banking
- 4.50% APY on up to a $5,000 balance
- 7% cashback on eGift Cards from 100+ popular merchants
- $0 monthly fees with eligible direct deposit
- No minimum balance
- Minimum Deposit to Open: $0
- APY: 4.50% APY on up to a $5,000 balance
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
Premier Business Checking - 3.00% APY
- 3.00% APY on balances up to $3,000,000
- $0 minimum opening deposit
- 50% off most Standard payment fees
- Priority customer support
- Waive the $95 monthly service fee with $100k average daily balance and $5k debit card spend
- Minimum Deposit to Open: $0
Plus Business Checking - 1.75% APY
- 1.75% APY on balances up to $250,000
- $0 minimum opening deposit
- 20% off most Standard payment fees
- Waive the $30 monthly service fee with $20k average daily balance and $2k debit card spend
- Minimum Deposit to Open: $0
Business Interest Checking - 1.01% APY
- Up to 1.01% APY**
- $100 minimum opening deposit
- Pay no monthly maintenance fee with an average daily balance of at least $5,000
- Unlimited domestic ATM fee reimbursements
- Up to 50 free items per month, $0.50 per item thereafter (includes debits, credit, and deposited items)
- Up to 60 items per month for Remote Deposit Anywhere (includes monthly per item processing limitation)
- Free online banking, image statements, and Bill Pay
- Minimum Deposit to Open: $100
Lili Pro Business Checking
- $15.00 monthly service fee (30 day free trial)
- Track write-offs with a swipe
- Auto-save for taxes
- Savings with up to 4.00% APY
- Cashback with selected merchants
- Fee-free Overdraft up to $200
- Minimum Deposit to Open: $0
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
Beyond checking accounts, banks also provide attractive new savings account promotions. Explore these opportunities next to maximize your earnings.
FAQs
What is a checking account bonus?
A checking bonus is an incentive offered by banks to encourage new customers to open a checking account with them. Its core is a cash reward typically credited to the newly opened account once requirements are fulfilled.
Is it worth opening a bank account for the bonus?
Pursuing a bank bonus can be beneficial overall if the account in particular has other useful features. They could be free checking, a competitive Annual Percentage Yield, or zero overdraft fees.
How can I find the best promotion for my needs?
One way to determine the right bank promotion for you is if the account addresses your priorities. These may include having low fees, extensive ATM networks, online banking, or all of the above.
What bank has the best promotions?
Aside from being the no. 1 bank, Chase has some of the best promotions across different products. You can score limited-time bonuses from opening a basic Chase checking account to premium banking alongside qualifying activities that are often doable.
Are checking account bonuses taxable?
Any sign-up bonus whether it's from a newly opened checking or savings account is considered income. As such, you need to report it on your tax return with the Internal Revenue Service.
Bottom Line
There you have it—different checking bonuses catered to different needs, ranging from modest to very substantial amounts.
Ultimately, the best promotion isn't just about the highest bonus, but also about how well the account fits into your financial life. Consider factors like fees, ATM access, customer service, and digital banking features.
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