Best Checking Account Bonus Offers for September 2025
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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 $3,000
Global shifts, local impacts. Stay on course with insights from our trusted partners in wealth.
Discover what an HSBC Premier relationship can offer you
- Easily open an account online, from the comfort of your home.
- Manage your international banking needs across different time zones, with 24/7 support.
- Unlock Premier in one country and you can live, work and travel with Premier status around the world with HSBC
- Manage your money safely and easily around the world - from Global Money Transfers to multi-currency needs.
- New to the U.S.? Build your U.S. credit history with one of our credit cards. Or, if you're buying a new home, you can use your international credit history to apply.
Here's how the offer works:
- Earn one or more cash bonuses1 when you open an HSBC Premier2 checking account by September 30, 2025, AND complete additional qualifying activities:
- $500 Direct Deposit Cash Bonus when you set up recurring monthly direct deposits of $10,000 or more for 3 consecutive months; and/or
- $1,000 New Money Cash Bonus when you deposit or invest3 $100,000 or more and maintain balances for 3 consecutive months; and/or
- $1,500 Mortgage and New Money Cash Bonus when you complete a new HSBC U.S. residential mortgage application by September 30, 2025, with mortgage funding by December 31, 2025, AND deposit or invest $200,000 or more and maintain balances for 3 consecutive months. Customers who qualify for the $1,500 cash bonus will automatically qualify for the $1,000 cash bonus.
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
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 $3,000
For more opportunities, check out the $500 checking account bonuses you can earn.
Checking Account Offers for September 2025
Checking bonuses provide a direct financial incentive to new customers, effectively rewarding your banking choice.
Here are checking bonus offers worth considering:
- HSBC Premier:
Earn Up to $3,000 - 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 $3,000
Global shifts, local impacts. Stay on course with insights from our trusted partners in wealth.
Discover what an HSBC Premier relationship can offer you
- Easily open an account online, from the comfort of your home.
- Manage your international banking needs across different time zones, with 24/7 support.
- Unlock Premier in one country and you can live, work and travel with Premier status around the world with HSBC
- Manage your money safely and easily around the world - from Global Money Transfers to multi-currency needs.
- New to the U.S.? Build your U.S. credit history with one of our credit cards. Or, if you're buying a new home, you can use your international credit history to apply.
Here's how the offer works:
- Earn one or more cash bonuses1 when you open an HSBC Premier2 checking account by September 30, 2025, AND complete additional qualifying activities:
- $500 Direct Deposit Cash Bonus when you set up recurring monthly direct deposits of $10,000 or more for 3 consecutive months; and/or
- $1,000 New Money Cash Bonus when you deposit or invest3 $100,000 or more and maintain balances for 3 consecutive months; and/or
- $1,500 Mortgage and New Money Cash Bonus when you complete a new HSBC U.S. residential mortgage application by September 30, 2025, with mortgage funding by December 31, 2025, AND deposit or invest $200,000 or more and maintain balances for 3 consecutive months. Customers who qualify for the $1,500 cash bonus will automatically qualify for the $1,000 cash bonus.
Bank of America Advantage Banking - Up to $500 Cash Offer
- The cash offer up to $500 is an online only offer and must be opened through the Bank of America promotional page.
- The offer is for new checking customers only.
- Offer expires 1/31/2026.
- To qualify, open a new eligible Bank of America Advantage Banking account through the promotional page and set up and receive Qualifying Direct Deposits* into that new eligible account within 90 days of account opening. Your cash bonus amount will be based on the total amount of your Qualifying Direct Deposits received in the first 90 days.
Cash Bonus Total Qualifying Direct Deposits $100 $2,000 $300 $5,000 $500 $10,000+ - If all requirements are met 90 days after account opening, Bank of America will attempt to deposit your bonus into your new eligible account within 60 days.
- Bank of America Advantage SafeBalance Banking® for Family Banking accounts are not eligible for this offer.
- Additional terms and conditions apply. See offer page for more details.
- *A Qualifying Direct Deposit is a direct deposit of regular monthly income – such as your salary, pension or Social Security benefits, which are made by your employer or other payer – using account and routing numbers that you provide to them.
- Bank of America, N.A. Member FDIC.
Wells Fargo Everyday Checking Account - $325 Bonus
- Get a $325 new checking customer bonus when you open an Everyday Checking account and receive $1,000 or more in qualifying direct deposits.
- Wells Fargo Bank, N.A.
Member FDIC
Key Select Checking® - $500 Bonus
- Open a Key Select Checking® account online by December 19, 2025.
- 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.
- 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
- Open a Key Smart Checking® account online by December 19, 2025.
- 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.
- 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.
KeyBank Hassle-Free Account® - $300 Bonus
- Open a KeyBank Hassle-Free Account® online by December 19, 2025.
- 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.
- 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.
- HSBC Premier:
Earn Up to $3,000 - Citi Checking:
$1,500 Bonus - Community Financial Credit Union:
Personal Checking Account - $1,000 Bonus - Utah First Credit Union:
Personal Checking Account - Up to $900 Bonus - Bank of Texas:
Personal Checking Account - $800 Bonus - TBK Bank:
Personal Checking Account - Up to $775 Bonus - Dedham Savings:
Personal Checking Account - $750 Bonus - Eastern Bank:
Personal Checking and Savings Account - $750 Bonus - Commerce Bank:
Personal Checking Account - $700 Bonus - Old National Bank:
Personal Checking Account - $650 Bonus - Stanford Federal Credit Union:
Personal Checking Account - Up to $620 Bonus - Associated Bank:
Personal Checking Account - $600 Bonus - Huntington:
Personal Checking Account - $600 Bonus - Redstone Federal Credit Union:
Personal Checking Account - $600 Bonus - HarborOne Bank:
Personal Checking and Savings Account - $600 Bonus - Banner Bank:
Personal Checking and Savings Account - $600 Bonus - Amerant Bank:
Personal Checking Account - $600 Bonus - Teachers Federal Credit Union:
Personal Checking Account - Up to $600 Bonus - Blue Foundry Bank:
Personal Checking and Savings Account - $600 Bonus - Hancock Whitney Bank:
Personal Checking and Savings Account - $600 Bonus - Union Bank & Trust:
Personal Checking Account - $500 Bonus - Flagstar Bank:
Personal Checking Account - $500 Bonus - Community Credit Union Florida:
Personal Checking and Savings Account - $500 Bonus - CIBM Bank:
Personal Checking Account - Up to $500 Bonus - St. Mary's Bank:
Personal Checking and Savings Account - $500 Bonus - Canyon View Credit Union:
Personal Checking Account - Up to $500 Bonus - Arizona Central Credit Union:
Personal Checking Account - $500 Bonus - First Merchants Bank:
Personal Checking Account - $500 Bonus - Bank of America Advantage Banking:
Up to $500 Cash Offer - OceanFirst Bank:
Personal Checking Account - $500 Bonus - Provident Credit Union:
Personal Checking Account - $475 Bonus - BMI Federal Credit Union:
Personal Checking Account - $450 Bonus - U.S. Bank Smartly® Checking:
$450 Bonus - Clearview Federal Credit Union:
Personal Checking Account - $412 Bonus - MIDFLORIDA Credit Union:
Personal Checking Account - $400 Bonus - Bank of Hawaii:
Personal Checking Account - $400 Bonus - UFirst Credit Union:
Personal Checking Account - $400 Bonus - Citadel Credit Union:
Personal Checking Account - $400 Bonus - C&N:
Personal Checking Account - $400 Bonus - Fidelity Bank (MA):
Personal Checking and Savings Account - $400 Bonus - PNC Bank:
Virtual Wallet with Performance Select Checking - $400 Bonus - Wells Fargo:
Personal Checking Account - $400 Bonus - Truist Bank:
Personal Checking Account - $400 Bonus - Citizens Bank:
Personal Checking and Savings Account - $400 Bonus - Santander Bank:
Personal Checking Account - $400 Bonus - Purdue Federal Credit Union:
Personal Checking Account - $400 Bonus - WECU:
Personal Checking Account - $400 Bonus - Penn Community Bank:
Personal Checking Account - $400 Bonus - Frontwave Credit Union:
Personal Checking and Savings Account - $350 Bonus - Newtown Savings Bank:
Personal Checking Account - $350 Bonus
Interest Checking Accounts
Free Rewards Checking - Earn Up to 5% APY
- Receive eDocuments (enroll and accept the disclosure)
- Make at least 12 debit card purchases each month.
- Direct deposits, Mobile Check Deposits or ACH Credits totaling $500 or more monthly
Earn 4.00% APY* on balances up to $10,000:
- Meet requirements to earn 3.00% APY plus:
- Spend $500 or more in CCU Visa Credit Card purchases each month; no minimum number of transactions.
Earn 5.00% APY* on balances up to $10,000:
- Meet requirements to earn 3.00% APY plus:
- Spend $1000 or more in CCU Visa Credit Card purchases each month; no minimum number of transactions.
For all tiers, balances from $10,000.01 - $25,000.00 earn 0.20% APY and balances $25,000.01 and greater earn 0.10% APY.
- APY: Earn up to 5.00% APY
Axos ONE - Earn up to 4.46% APY
- Earn up to 4.46% 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 4.46% on savings and 0.51% APY on checking
UFB Freedom Checking & Savings - Unlock Up to 4.21% 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 4.21% 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
Fidelity: Cash Management Account
- $0 monthly fees
- No minimum balance
- Unlimited ATM rebates in the US
- FDIC coverage up to $1.25 million
- Minimum Deposit to Open: $0
- APY: 2.72%
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
Sofi Checking and Savings
- Up to 3.80% APY with direct deposit on savings balances
- $0 monthly fees
- No minimum balance
- Get paid 2 days early
- Minimum Deposit to Open: $0
- APY: 3.80% APY on savings balances with direct deposit (1.00% APY without) and 0.50% APY on checking 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
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
Free Business Checking - Earn $300 Bonus
To earn the $300 bonus, customers must apply for a Bluevine Business Checking account anytime between now and 12/31/2025 using the referral code CD300.
After opening the account, customers must add funds within 30 days, then meet at least one of the following eligibility requirements every 30 days for the next 90 days from account funding:
- 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 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 - Up to 3.7% APY
- 3.7% 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
North One Plus Business Banking - Up to 3.00% APY
- 3.00% APY on balances up to $250,000 for eligible customers
- Priority email/chat support
- Dedicated relationship manager
- Implementation and onboarding assistant
- $0 same-day ACH payments, bill payments, and physical checks
- Lowest transaction fees
- $50 minimum opening deposit
- $30 monthly fee
- Minimum Deposit to Open: $50
Plus Business Checking - Up to 2.7% APY
- 2.7% 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
North One Free Business Banking - Up to 2.50% APY
- 2.50% APY on balances up to $250,000 for eligible customers
- Business banking for teams
- Automatic invoice ingestion and payments
- Sales and revenue analytics
- Unlimited account envelopes
- Close to 100 integrations
- Over $5000 in perks for new customers
- No monthly fees, no application fees, no minimum balance
North One is a financial technology company, not a bank. Banking services provided by The Bancorp Bank, Member FDIC.
- Minimum Deposit to Open: $50
North One Free Business Banking - Up to 2.50% APY
- 2.50% APY on balances up to $250,000 for eligible customers
- Unlimited envelopes for all your business budgets
- Integrations with popular accounting and payment processing apps
- Automate your bill payments
- $50 minimum opening deposit
- Minimum Deposit to Open: $50
Business Interest Checking - 1.01% APY
- Interested in a $400 welcome bonus? Start growing your business and get up to $400 when you open a Business Interest Checking account by September 30. Just use promo code NEW400 on your application.**
- 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 100 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 3.00% APY
- Cashback with selected merchants
- Fee-free Overdraft up to $200
- Minimum Deposit to Open: $0
Found Plus Business Banking
- $19.99/month or $149.99/year
- Earn 1.5% APY on balances up to $20,000
- Auto-import expense from receipt
- Automatically find tax write-offs and track expenses
- Pay taxes directly from the app
- Free unlimited custom invoices
- Custom bookkeeping categories
- Priority customer support
- 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 3% 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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