Find the best bank bonuses, promotions, and offers here for personal and business checking, savings, money market and investment accounts.
You’ll find the best bank promotions from the biggest banks such as Chase, Bank of America, Wells Fargo, Citi®, TD Bank, Capital One, HSBC, Huntington, U.S. Bank, KeyBank, PNC Bank, Regions Bank, and many others – to the smaller banks and credit unions.
These bank bonuses can earn you hundreds to thousands of dollars in free money in the form of new account bonuses by simply opening a new checking or savings account with the best offers.
Keep reading below to learn more about the latest new account offers and these deals to the best bank bonuses that are currently available.
Table of Contents
- 1 Best Bank Account Bonuses
- 2 Best Bank Checking & Savings Account Bonuses
- 2.1 Citi Priority Account Up to $2,000 Cash Bonus
- 2.2 Citigold® Checking Account Up to $2,000 Cash Bonus
- 2.3 U.S. Bank $300 SmartlyTM Checking Bonus
- 2.4 Bank of America $100 Checking Bonus Offer
- 2.5 HSBC Premier Checking Account $500 Bonus
- 2.6 SoFi Checking & Savings $275 Bonus + 3.25% APY
- 2.7 PNC Bank Up to $400 Checking Bonus
- 2.8 Chase Total Checking® $200 Bonus
- 2.9 Chase College CheckingSM $100 Bonus
- 2.10 Chase Secure BankingSM $100 Bonus
- 2.11 Discover Online Savings Account $150/$200 Bonus
- 2.12 PSECU Checking $250 Bonus
- 2.13 TD Bank Beyond Checking $300 Bonus
- 2.14 TD Bank Convenience Checking $200 Bonus
- 2.15 Axos Bank Rewards Checking $150 Bonus
- 2.16 Aspiration Spend & Save $50 Bonus
- 3 Best Business Checking & Savings Account Bonuses
- 3.1 Chase Business Complete BankingSM $300 Bonus
- 3.2 U.S. Bank $400 Business Checking Bonus
- 3.3 Huntington Bank Unlimited Plus Business Checking $750 Bonus
- 3.4 Huntington Bank Unlimited Business Checking $400 Bonus
- 3.5 Huntington Bank Business Checking 100 $100 Bonus
- 3.6 Axos Bank Basic Business Checking $200 Bonus
- 3.7 Axos Bank Business Interest Checking $200 Bonus
- 3.8 Axos Bank Business Savings $200 Bonus
- 3.9 BMO Harris Bank $300 or $500 Checking Cash Bonus
- 3.10 Discover Checking $360 Bonus
- 4 Complete List of the Best Bank Account Bonuses
- 5 Best Bank Account Bonuses A-M
- 6 Best Bank Account Bonuses N-Z
- 7 Best Business Bank Account Bonuses
- 8 How To Qualify For Checking Account Bonuses?
Best Bank Account Bonuses
Continue reading on for the best bank bonuses and promotions we highly recommend, here on BankCheckingSavings.
Best Bank Checking & Savings Account Bonuses
Citi Priority Account Up to $2,000 Cash Bonus
Open a Citi Priority Account and earn a cash bonus of $200, $500, $1,000, $1,500, or $2,000 when you maintain a minimum eligible balance and complete required activities.
- What you’ll get: Up to $2,000 cash bonus
- Account Type: Citi Priority Account
- How to earn it:
- Within 20 days of opening, deposit the minimum amount of new-to-Citi® funds.
- Maintain a minimum balance for 60 consecutive calendar days from the 21st day.
- If your balance falls to a lower tier at any point during the maintenance period, the bonus changes.
- Bonus will be paid within 30 days after you successfully complete all required activities.
| Cash Bonus | Minimum Deposit & Minimum Balance |
| $200 | $10,000 – $29,999 |
| $500 | $30,000 – $74,999 |
| $1,000 | $75,000 – $199,999 |
| $1,500 | $200,000 – $299,999 |
| $2,000 | $300,000 and above |
Citigold® Checking Account Up to $2,000 Cash Bonus
Open a Citigold® Checking Account and earn a $200, $500, $1,000, $1,500, or $2,000 cash bonus when you maintain a minimum eligible balance and complete required activities.
- What you’ll get: Up to $2,000 cash bonus
- Account Type: Citigold® Checking Account
- How to earn it:
- Within 20 days of opening, deposit the minimum amount of new-to-Citi® funds.
- Maintain a minimum balance for 60 consecutive calendar days from the 21st day.
- If your balance falls to a lower tier at any point during the maintenance period, the bonus changes.
- Bonus will be paid within 30 days after you successfully complete all required activities.
| Cash Bonus | Minimum Deposit & Minimum Balance |
| $200 | $10,000 – $29,999 |
| $500 | $30,000 – $74,999 |
| $1,000 | $75,000 – $199,999 |
| $1,500 | $200,000 – $299,999 |
| $2,000 | $300,000 and above |
U.S. Bank $300 SmartlyTM Checking Bonus
Earn a $300 bonus when you open a new eligible U.S. Bank SmartlyTM checking account and complete qualifying activities, subject to certain terms and limitations. Offer valid through December 19, 2022. Member FDIC.
- What you’ll get: $300 bonus
- Eligible account: U.S. Bank SmartlyTM Checking
- Where it’s available: AZ, AR, CA, CO, ID, IL, IN, IA, KS, KY, MN, MO, MT, NE, NV, NM, NC, ND, OH, OR, SD, TN, UT, WA, WI, WY
- How to earn it:
- To earn the bonus, complete these steps within 60 days of opening your new U.S. Bank SmartlyTM checking account online:
- Enroll in online banking or the U.S. Bank Mobile App
- Complete two or more direct deposits of $5,000 or more to earn $300
- To earn the bonus, complete these steps within 60 days of opening your new U.S. Bank SmartlyTM checking account online:
(Expires 12/19/2022)
Bank of America $100 Checking Bonus Offer
To earn this bonus offer, you must open an eligible checking account and meet all of their requirements. Additionally, this bonus offer is available online only for new checking customers.
- What you’ll get: $100 Bonus Offer
- Where it’s available: Online Only; Nationwide
- How to earn it:
- The $100 bonus offer is an online only offer and must be opened through the Bank of America promotional page
- The offer code is DMF100CIS
- The offer is for new checking customers only
- Offer expires 6/30/2023
- To qualify, open an account through the promotional page and set up and receive qualifying direct deposits totaling $1000 or more into that account within 90 days of opening.
- Bank of America will attempt to pay bonus within 60 days.
- Additional terms and conditions apply. See offer page for more details.
(Member FDIC)
HSBC Premier Checking Account $500 Bonus
HSBC Bank is currently offering qualified residents nationwide a $500 bonus when you sign up and open a new HSBC Premier Checking Account online.
- What you’ll get: $500 bonus
- Eligible account: HSBC Premier Checking Account
- How to earn it:
- Open your new HSBC Premier checking account online, using this offer page, by February 15, 2023; and
- Make recurring Qualifying Direct Deposits totaling at least $10,000 per month from a third party to your HSBC Premier checking account(s) for 3 consecutive calendar months from the second full calendar month after account opening.
- You will automatically receive the $500 Welcome Deposit in your new HSBC Premier checking account within eight weeks after completing all qualifying activities.
(Expires 02/15/2023)
*A monthly maintenance fee may apply
Restrictions may apply see offer page for full details.
Deposit products are offered in the U.S. by HSBC Bank USA, N.A. Member FDIC. The information, including rates and fees, presented in the review is accurate as of the date of the review. Please refer to issuer website and application for the most current information. We may be paid for the content on this site.
SoFi Checking & Savings $275 Bonus + 3.25% APY
Earn more on your money with 3.25% APY and up to a $275 bonus when you direct deposit into a SoFi Checking and Savings Account. Plus, pay no account or overdraft fees, get 2-day-early-paycheck, and more.
- What you’ll get: Up to $275 bonus + 3.25% APY
- Eligible account: SoFi Checking and Savings Account
- Where it’s available: Online nationwide
- How to earn it:
- For a limited time, get $25 when you sign up for a SoFi Checking & Savings account and deposit at least $10.
- Get an additional $275 with qualifying activity. In order to qualify for the bonus, an Eligible Participant must have $1,000 or more in total qualifying Direct Deposit transactions within any consecutive 30-day window during the Promotion Period.
(Visit SoFi to learn more)
| Total Qualifying Direct Deposit Amount | Cash Bonus |
| $1,000.00 – $4,999.99 | $50 |
| $5,000 or more | $250 |
PNC Bank Up to $400 Checking Bonus
- What you’ll get: Up to $400 bonus
- Eligible account: Select new PNC Virtual Wallet®
- Where it’s available:
- PNC Bank Virtual Wallet® (In-Footprint): CA, TX, AZ, NM, CO, PA, FL, OH, WV, DE, NJ, SC, NC, GA, KY, IN, MI, IL, MD, DC, WV, WI
- PNC Bank Virtual Wallet® Checking Pro (Out of Footprint): AR, CT, ID, IA, KS, LA, ME, MA, MN, MS, MT, NE, NV, NH, ND, OK, OR, RI, TN, UT, VT, WA, WY
- How to earn it:
- Earn up to $400 when you open and use a select new PNC Virtual Wallet®
- Virtual Wallet®: Earn $50 when you establish total qualifying direct deposit(s) of $500 or more to the Spend account
- Virtual Wallet® with Performance Spend: Earn $200 when you establish total qualifying direct deposit(s) of $2,000 or more to the Spend account.
- Virtual Wallet® with Performance Select: Earn $400 when you establish total qualifying direct deposit(s) of $5,000 or more to the Spend account.
- Your Virtual Wallet product must remain open in order for you to receive the reward, which will be credited to the eligible account within 60–90 days after all conditions have been met and will be identified as “CREDITS CHECK REWARD” on your monthly statement.
Chase Total Checking® $200 Bonus
Get a $200 bonus when you open a new Chase Total Checking® account and set up direct deposit.
- What you’ll get: $200 bonus
- Eligible account: Chase Total Checking® account
- Where it’s available: Online Nationwide except Alaska, Hawaii, and Puerto Rico (Bank Locator)
- How to earn it: Open a new Chase Total Checking® account and set up direct deposit.
(Expires 01/25/2023)
Chase College CheckingSM $100 Bonus
Get a $100 bonus when you open a new Chase College CheckingSM account with qualifying activities.
- What you’ll get: $100 bonus
- Eligible account: Chase College CheckingSM
- Where it’s available: Online, Nationwide (Bank Locator)
- How to earn it:
- Open a new Chase College CheckingSM account and complete 10 qualifying transactions within 60 days of coupon enrollment.
- After you have completed all the above requirements and the 10 qualifying transactions have posted to your account, Chase will deposit the bonus in your new account within 15 business days.
(Expires 01/25/2023)
Chase Secure BankingSM $100 Bonus
New Chase checking customers can earn a $100 bonus when opening a new Chase Secure BankingSM account with qualifying activities.
- What you’ll get: $100 bonus
- Eligible account: Chase Secure BankingSM
- Where it’s available: Nationwide (Bank Locator)
- How to earn it:
- Open the Chase Secure BankingSM account online or you can go also open an account at your local Chase branch, just enter your email address to get the coupon needed.
- Then complete 10 qualifying transactions within 60 days of enrollment.
(Expires 01/25/2023)
Discover Online Savings Account $150/$200 Bonus
With this offer, you can earn either earn a $150 or $200 bonus with the Discover Bank Online Savings account. The bonus amount will be determined by your deposit amount. Offer code: BCS922. See advertiser website for full details. Expires 12/15/2022.
- What you’ll get: $150/$200 Bonus + 3.00% APY
- Eligible account: Discover Online Savings Account
- Where it’s available: Online Nationwide
- How to earn it:
- Open your first Discover Online Savings Account online or by phone and use promo code BCS922 when applying.
- Deposit into your account a total of at least $15,000 within 30 days of account open date to earn a $150 Bonus
- Deposit into your account a total of at least $25,000 within 30 days of account open date to earn a $200 Bonus
(See advertiser website for full details)
PSECU Checking $250 Bonus
PSECU is offering a $250 bonus when you open a new qualifying checking account and meet the requirements.
What you’ll get: $250 bonus- Eligible account: PSECU Checking
- Where it’s available: PA. Nationwide if you become Pennsylvania Recreation and Park Society (PRPS) for $20.
- How to earn it:
- Join PSECU using promo code: UPTO250PROMO.
- Add a free checking account with a debit card + digital banking for a $100 bonus.
- Establish qualifying direct deposit(s) for an additional $150 bonus.
(Expires 12/31/2022)
TD Bank Beyond Checking $300 Bonus
New customers only. Apply online for a new TD Bank Beyond CheckingSM Account and get a $300 cash bonus.
- What you’ll get: $300 bonus
- Eligible account: TD Bank Beyond CheckingSM
- Where it’s available: CT, DC, DE, FL, MD, ME, MA, NC, NH, NJ, NY, PA, RI, SC, VT, VA
- How to earn it:
- Open a new TD Beyond Checking account online.
- Receive direct deposits of $2,500+ within 60 days of account opening.
(Visit TD Bank to learn more)
TD Bank Convenience Checking $200 Bonus
New customers only. Apply online for a new TD Bank Convenience CheckingSM Account and earn a $200 cash bonus.
- What you’ll get: $200 bonus
- Eligible account: TD Bank Convenience CheckingSM
- Where it’s available: CT, DC, DE, FL, MD, ME, MA, NC, NH, NJ, NY, PA, RI, SC, VT, VA
- How to earn it:
- Open a new TD Convenience Checking account online.
- Receive direct deposits of $500+ within 60 days of account opening.
(Visit TD Bank to learn more)
Axos Bank Rewards Checking $150 Bonus
- What you’ll get: $150 bonus
- Eligible account: Rewards Checking account
- How to earn it:
- Use code HOLIDAY and apply by December 31st to earn a $150 bonus*!
- Then have qualifying direct deposit(s) to earn up a $150 welcome bonus!
(Visit Axos Bank to learn more)
Aspiration Spend & Save $50 Bonus
Aspiration will give you a $50 bonus when you open a Spend & Save Account and complete certain requirements.
- What you’ll get: $50 bonus
- Eligible account: Aspiration Spend & Save Account
- Where it’s available: Nationwide
- How to earn it: Customer must complete the following activities:
- Open and fund an Aspiration Spend & Save Account with a deposit of $10 or more, and
- Use Aspiration debit card to make at least $250 worth of cumulative transactions within 60 days of account opening
(Visit Aspiration to learn more)
Best Business Checking & Savings Account Bonuses
Chase Business Complete BankingSM $300 Bonus
For business owners, enjoy a $300 bonus when you open a new Chase Business Complete BankingSM account and meeting certain requirements.
- What you’ll get: $300 bonus
- Eligible account: Chase Business Complete BankingSM account
- Where it’s available: Nationwide
- How to earn it:
- Get a coupon code from the offer page and open an eligible business checking account online or in-branch.
- Deposit a total of $2,000 or more in new money into your new checking account within 30 business days of account opening.
- Maintain at least $2,000 balance for 60 days from the date of deposit.
- Complete 5 qualifying transactions within 90 days
(Expires 02/16/2023)
U.S. Bank $400 Business Checking Bonus
Earn a $400 bonus when you open a new, eligible U.S. Bank business checking account online with promo code AF49ZCB and complete qualifying activities, subject to certain terms and limitations. Offer valid through January 9, 2023. Member FDIC.
- What you’ll get: $400 bonus
- Eligible account:
- Silver Business Checking Package
- Gold Business Checking Package
- Platinum Business Checking Package
- Where it’s available: AZ, AR, CA, CO, ID, IL, IN, IA, KS, KY, MN, MO, MT, NE, NV, NM, NC, ND, OH, OR, SD, TN, UT, WA, WI, WY
- How to earn it:
- Open a new, eligible U.S. Bank business checking account online with promo code AF49ZCB
- Enroll in online banking or U.S. Bank Mobile App within 60 days of account opening.
- Complete $3,000 in new money deposits within 30 days of account opening and maintain for 60 days.
- Make five qualifying transactions into your new business checking account. Qualifying transactions include: Debit card purchases, Merchant deposits, ACH credits, Wires credits/debits, Mobile Check Deposit or Bill Pay.
(Offer Expires 01/9/2023)
Huntington Bank Unlimited Plus Business Checking $750 Bonus
Open your Huntington Unlimited Plus Business Checking account today and enjoy a $750 bonus when meeting certain requirements.
- What you’ll get: $750 bonus
- Eligible account: Huntington Unlimited Plus Business Checking Account
- Where it’s available: CO, IN, IL KY, MI, MN, OH, PA, SD, WI, WV
- How to earn it: Open a new Huntington Unlimited Plus Business Checking account and make total deposits of at least $20,000 within 60 days of account opening.
(Expires 02/05/2023)
Huntington Bank Unlimited Business Checking $400 Bonus
Open your Huntington Unlimited Business Checking account today and enjoy a $400 bonus when meeting certain requirements.
- What you’ll get: $400 bonus
- Eligible account: Huntington Unlimited Business Checking Account
- Where it’s available: CO, IN, IL KY, MI, MN, OH, PA, SD, WI, WV
- How to earn it: Open a new Huntington Unlimited Business Checking account and make total deposits of at least $5,000 within 60 days of account opening.
(Expires 02/05/2023)
Huntington Bank Business Checking 100 $100 Bonus
Open your Huntington Business Checking 100 account today and enjoy a $100 bonus when meeting certain requirements.
- What you’ll get: $100 bonus
- Eligible account: Huntington Business Checking 100 Account
- Where it’s available: CO, IN, IL KY, MI, MN, OH, PA, SD, WI, WV
- How to earn it: Open a new Huntington Business Checking 100 account and make total deposits of at least $2,000 within 60 days of account opening.
(Expires 02/05/2023)
Axos Bank Basic Business Checking $200 Bonus
You can earn a $200 bonus when opening a new Basic Business Checking account from Axos Bank. To be eligible, you must complete certain requirements.
- What you’ll get: $200 bonus
- Eligible account: Basic Business Checking account
- How to earn it: Customer must complete the following activities:
- Open a new Basic Business Checking account using promo code NEWBIZ200 to earn a $200 bonus. Application must be submitted before 11:59pm on 9/30/2022 to qualify.
- Not a new business? Use promo code NEWAXOSBIZ for a $100 bonus.
- In the first two months after account opening, the average daily balance of the account must be at least $2,500 in order to qualify for the bonus.
- Bonus will be deposited into your new account within 5 business days of your statement cycle date.
- Account must remain open for 180 days or an early closure fee of $50 may apply. Must be new funds to receive bonus credit.
- Open a new Basic Business Checking account using promo code NEWBIZ200 to earn a $200 bonus. Application must be submitted before 11:59pm on 9/30/2022 to qualify.
(Visit Axos Bank to learn more)
Axos Bank Business Interest Checking $200 Bonus
You can earn a $200 bonus when opening a new Business Interest Checking account from Axos Bank. To be eligible, you must complete certain requirements.
- What you’ll get: $200 bonus
- Eligible account: Business Interest Checking account
- How to earn it: Customer must complete the following activities:
- Open a new Basic Business Checking account using promo code NEWBIZ200 to earn a $200 bonus. Application must be submitted before 11:59pm on 9/30/2022 to qualify.
- Not a new business? Use promo code NEWAXOSBIZ for a $100 bonus.
- In the first two months after account opening, the average daily balance of the account must be at least $2,500 in order to qualify for the bonus.
- Bonus will be deposited into your new account within 5 business days of your statement cycle date.
- Account must remain open for 180 days or an early closure fee of $50 may apply. Must be new funds to receive bonus credit.
- Open a new Basic Business Checking account using promo code NEWBIZ200 to earn a $200 bonus. Application must be submitted before 11:59pm on 9/30/2022 to qualify.
(Visit Axos Bank to learn more)
Axos Bank Business Savings $200 Bonus
You can earn a $200 bonus when opening a new Business Savings account from Axos Bank. To be eligible, you must complete certain requirements.
- What you’ll get: $200 bonus
- Eligible account: Business Savings account
- How to earn it: Customer must complete the following activities:
- Open a new Business Savings account using promo code NEWBIZ200 to earn a $200 bonus. Application must be submitted before 11:59pm on 9/30/2022 to qualify.
- Not a new business? Use promo code NEWAXOSBIZ for a $100 bonus.
- In the first two months after account opening, the average daily balance of the account must be at least $2,500 in order to qualify for the bonus.
- Bonus will be deposited into your new account within 5 business days of your statement cycle date.
- Account must remain open for 180 days or an early closure fee of $50 may apply. Must be new funds to receive bonus credit.
- Open a new Business Savings account using promo code NEWBIZ200 to earn a $200 bonus. Application must be submitted before 11:59pm on 9/30/2022 to qualify.
(Visit Axos Bank to learn more)
BMO Harris Bank $300 or $500 Checking Cash Bonus
Open a new BMO Harris Bank checking account and complete the eligible requirements to earn a $300 or $500 cash bonus.
- What you’ll get: $300 or $500
- Which account: BMO Harris Smart AdvantageTM Account or BMO Harris PremierTM Account
- Where it’s available: Nationwide. Branches located in AZ, FL, IL, IN, KS, MN, MO, WI
- How to earn it:
- Open a new BMO Harris PremierTM account and get a $500 cash bonus when you have a total of at least $7,500 in qualifying direct deposits within the first 90 days.
- Open a new BMO Harris Smart AdvantageTM Account and get a $300 cash bonus when you have a total of at least $4,000 in qualifying direct deposits within the first 90 days.
- Open a new BMO Harris Smart MoneyTM Account and get a $300 cash bonus when you have a total of at least $4,000 in qualifying direct deposits within the first 90 days.
Discover Checking $360 Bonus
- Cashback – Earn 1% cash back on up to $3,000 in debit card purchases each month
- No. Fees. Period. That means you won’t be charged an account fee on our Cashback Debit account.
- Early Pay – Get your paycheck up to two days early with no charge
- No credit impact – You can apply without affecting your credit score.
- Fraud Protection – You’re never responsible for unauthorized debit card purchases. If you suspect someone else has used your debit card without your permission, let us know.
- Apply in minutes – Applying for a Cashback Debit account is simple and fast.
- Fee free overdraft protection
(See advertiser website for full details.)
Complete List of the Best Bank Account Bonuses
Below you will find a complete list of all types of bank bonuses, promotions, and offers. This list includes checking, savings, and even referral bonuses. We rank them in alphabetical order and from highest to lowest for bonus amount plus the State(s) to qualify. Banks want to earn your business, so they are offering many perks and cash bonuses with their bank promotions. Whether a major regional bank or a small local bank, you will find all bank deals listed for all States.
Best Bank Account Bonuses A-M
Best Bank Account Bonuses N-Z
Best Business Bank Account Bonuses
| BONUS LINK | OFFER | REVIEW |
| Chase Business Complete BankingSM | $300 Cash | Review |
| U.S. Bank Silver Business Checking | $400 Cash | Review |
| U.S. Bank Gold Business Checking | $400 Cash | Review |
| U.S. Bank Platinum Business Checking | $400 Cash | Review |
| Huntington Bank Unlimited Plus Business | $750 Cash | Review |
| Huntington Bank Unlimited Business | $400 Cash | Review |
| Huntington Bank Business Checking 100 | $200 Cash | Review |
| Axos Bank Basic Business Checking | $200 Cash | Review |
| Axos Bank Business Interest Checking | $200 Cash | Review |
| Axos Bank Business Savings | $200 Cash | Review |
| Novo Business Checking | $40 Cash | Review |
| NorthOne Bank Account | $20 Cash | Review |
| Regions Bank Business Checking | $150 Cash | Review |
| Bank | State(s) | Bonus | Expiration | Review |
|---|---|---|---|---|
| Regions Bank | AL, AR, FL, GA, IA, IL, IN, KY, LA, MO, MS, NC, SC, TN & TX | $150 | None | Review |
| 1st United Credit Union | CA | $200 | 12/31/2022 | Review |
| American Airlines Federal Credit Union | Nationwide | $25 | 12/31/2022 | Review |
| Arkansas Federal Credit Union | AR | $300 | 01/04/2023 | Review |
| Associated Bank | IA, IL, IN, KS, MI, MN, MO, OH, WI | $300 | 12/31/2022 | Review |
| Bank of America | Nationwide | $200 | 12/31/2022 | Review |
| BankPlus | AL, LA, MS | $110 | None | Review |
| BMO Harris Bank | AZ, FL, IL, IN, KS, MO, MN, WI | $400 | 01/31/2023 | Review |
| Brightstar Credit Union | FL | $100 | None | Review |
| Community First Credit Union | FL | $200 | None | Review |
| Consumers Credit Union | MI | $200 | None | Review |
| Country Bank | MA | $300 | 12/30/2022 | Review |
| Farm Bureau Bank | TX, NV | $250 | None | Review |
| First Community Bank | NC, SC, TN, VA, WV | $50 | None | Review |
| First United Credit Union | MI | $100 | None | Review |
| Flagstar Bank | MI, IN, OH | $500 | None | Review |
| Flushing Bank | NY,NJ | $200 | None | Review |
| Freedom Federal Credit Union | MD | $100 | None | Review |
| Gulf Coast Bank & Trust | LA | $200 | 09/24/2022 | Review |
| Investors Bank | NY, NJ | $300 | None | Review |
| Level One Bank | MI | $100 | None | Review |
| Live Oak Bank | Nationwide | $300 | 11/18/2022 | Review |
| M&T Bank | CT, DC, DE, MD, NJ, NY, PA, VA & WV | $600 | 12/31/2022 | Review |
| Mercury | Nationwide | $500 | None | Review |
| Mercury | Nationwide | $100 | None | Review |
| MIDFLORIDA Credit Union | FL | $300 | None | Review |
| North State Bank | NC | $450 | None | Review |
| PNC Bank | AL, DC, DE, FL, GA IL, IN, KY, MI, MO, MD, NC, NJ, NY, OH, PA, RI, SC, VA, WI, and WV | $500 | 12/31/2022 | Review |
| Provident Credit Union | CA | $300 | None | Review |
| Relay Financial Banking | Nationwide | $150 | None | Review |
| Rockland Trust Bank | MA | $300 | 12/30/2022 | Review |
| Rockland Trust Bank | MA | $300 | 11/30/2022 | Review |
| S&T Bank | OH, PA | $600 | 12/31/2022 | Review |
| Santander Bank | NH, MA, RI, CT, DE, NY, NJ & PA | $500 | 07/31/2022 | Review |
| Seacoast Bank | FL | $600 | 12/31/2022 | Review |
| Seacoast Bank | FL | $250 | 12/31/2022 | Review |
| St. Jean's Credit Union | MA | $25 | None | Review |
| TBK Bank | CO, IA, IL, KS & TX | $200 | None | Review |
| TBK Bank | CO, IA, IL, KS & TX | $200 | None | Review |
| TBK Bank | CO, IA, IL, KS & TX | $150 | None | Review |
| Technology Credit Union | CA | $100 | None | Review |
| Truist Bank | AL, AR, D.C., GA, FL, IN, KY, MD, MS, NC, NJ, OH, PA, SC, TN, TX, VA, WV | $200 | 02/28/2023 | Review |
| WaterStone Bank | WI | $250 | None | Review |
| Webster Bank | NY, MA, RI, CT | $250 | None | Review |
| WECU | WA | $250 | 12/31/2022 | Review |
| Wintrust Bank | IL, FL, IN, WI | $500 | 12/31/2022 | Review |
| Wintrust Bank | IL, FL, IN, WI | $300 | 12/31/2022 | Review |
| Wintrust Bank | IL, FL, IN, WI | $300 | 12/31/2022 | Review |
How To Qualify For Checking Account Bonuses?
- First, you will usually be required to be a new customer.
- Second, you’ll need to be sure that you’re able to meet the bank bonus’ requirements during the specified period of time.
- Some of these qualifying activities can be:
- Maintaining a minimum balance, minimum deposit
- Qualifying direct deposit(s)
- Using your debit card
- Enrolling in mobile banking / e-Statements / etc
- or a combination of the above.
- Please note that these are just your typical requirements. There could be some other requirements outside of this scope.
- Some of these qualifying activities can be:
Let’s take the above requirements and go a little more in-depth. Bank bonus requirements typically (not always) will be in these four categories:
- Minimum Balance: Some bank bonuses will require you to transfer new money to your new account and maintaining that balance for a specified period of time. This amount of time may vary, but typical range is between 30-90 days.
- Direct Deposit(s): Some bank bonus offers will require you to set up and receive qualifying direct deposits – such as your employer, government (lke social security), etc. Some offers may have a specified amount such as an x amount per direct deposit for x amount of months or multiple direct deposits totaling a certain amount within a certain time frame.
- Debit Card Transactions: Other bank bonus promotions may require you to use your debit card such as making a certain number of debit card transactions within a certain time frame. Please not that ATM withdrawals/deposits will not count toward this requirement.
- Account Features: The other common bank offer requirement includes using account features like Bill Pay, enrolling in e-Statements, using / logging into the mobile app, using mobile features like remote deposit capture, and more.
Unsure of what the requirements will be or if you’ll be able to meet them? Don’t fret, as these bank bonuses will lay out the requirements for you so you will know if you’re able to meet the qualifying activity or note. Be sure to read the fine print to get a better understanding.
After you meet the requirements, be sure that you are in good standing. My recommendation is to have the account open for at least 6 months. Some accounts will come with an “early account closure or termination fee” – meaning they may revoke the bonus, have a fee for closing the account early, etc. You typically can find this information in the fine print or in their disclosures.
Wow! Your website is a wealth of information. Thank you. One possible suggestion that could improve your reader’s experience: Indicate when an offer is new with possible wording like this in the margin:
NEW OFFER 11/02/2021. That would make it easy for people to easily identify new offers rather than scrolling through the long list of old offers. Thanks.
Thanks Anthony for compiling all this useful banking information!
Thanks to you, I am going back to Santander for my 2nd time $400…
The devil is always in the details. Must be meticulous to win the bank promotion game.
Anthony,
Thank you for always providing excellent information!
Happy New Year!
I received a flyer from PNC with a $300 bonus offer for opening the Virtual Wallet with Performance Select Checking account. I met all of the requirements including the direct deposit from “an outside agency” totally more than $5,000 and using the debit card more than 10 times. Needless to say, I never received the promised bonus. Even after repeated calls to PNC and reporting the fraudulent advertising to the BBB, the bonus was never paid. If you open a checking account expecting to receive a bonus — beware!
PNC is very corrupt, So is TD Bank. Key Bank is a great bank to deal with
Incredible amount of research. Thanks for putting it all together. I am amazed you have the patients to dig through all the mess to find the details.
Anthony,
Can you post this information on my Twitter.com/ICCGRPLEWIS? You have updated it substantially and I would like to always have the most current and accurate information.
Thank you for all you do!
What bank is currently offering a good promotion to simply open up a Savings (preferably passbook – I’m old school) and Checking account out there, in south FL?
First Merchants is not Nationwide, it is for residents of Indiana, Illinois & Ohio.
I followed this article, followed the links , went to the capital one 360 site ,
https://www.capitalone.com/bonus400/.
opened the account, felt weird , why no print out the bonus offer under my account ? i called 18884640727
was told by capital one there is no any bonus at all .
i have found this article a lot bank offers not valid when i verified with the banks
From your link, in the qualifying details bottom of page: IF YOU DID NOT RECEIVE AN EMAIL OR MAIL PIECE DIRECTLY FROM CAPITAL ONE 360 WITH THE ABOVE CODE, YOU ARE INELIGIBLE FOR THIS BONUS OFFER.