Best Bank Bonuses & Promotions – January 2019

Find the best bank account bonuses, bonuses, offers, and deals for 2019 here on BankCheckingSavings. We feature the best list of Best Bank Bonuses for Personal, Savings, and Business accounts listed. You can click on their respective Review links for all the details of the best current offers.

Listed below are the best promotions from the biggest banks in the nation, such as Chase, Bank of America, Wells Fargo, Citibank, TD Bank, Capital One, HSBC, Huntington, US Bank, Key Bank, PNC Bank, Regions Bank, SunTrust Bank, and many others.

You’ll also find the best bonuses from online banks available to everyone nationwide, including Discover, Capital One 360, CIT, Charles Schwab, and Simple Bank, just to name a few.

These bank bonuses can earn you $100, $200, $300, $400, $500, and so on, up to $1,000 or more. Many users combine several account types and different banks to earn hundreds and thousands of dollars every year.

Credit card promotions from many of the same banks also available and are a great way to maximize your earnings.

Banks are offering free cash when you open up new accounts to earn your business. We’ve listed all the banks that anyone can sign up from any state that can be done online in your pajamas. We also have local bank promotions that are only available for your specific state.

Bank promotions change frequently, so we try our best to keep this page updated. I recommend bookmarking this page and checking back often if an offer for the bank you’re interested doesn’t draw you in yet.

Helpful Guides:

• What methods meet Direct Deposit requirements for bank accounts
• Which banks trigger a Hard/Soft credit pull when opening accounts
• Which banks allow credit card funding for opening deposits
• Check out the best free Checking accounts and the best Savings accounts
• Check out the best CD rates and the best Money Market account rates
• Which banks have the lowest or free ATM fees internationally

Featured Personal Bank Account Bonuses

Many banks offer Checking account sign-up bonuses. These are the most popular bank account offers. For most customers, all banks offer what’s necessary in a bank account. Therefore, deciding on which bank you want to go for is a matter of branch locations and the bonus incentive.

Unlike with credit cards which generally trigger a Hard credit pull, applying for Checking accounts usually triggers only a Soft credit pull. This means it doesn’t affect your credit. Due to this, taking advantage of promotions from several different banks is a great way to make hundreds to thousands of dollars in return for our time.

Usually, Checking account bonuses will require Direct Deposit, while Savings account bonuses don’t. If you’re looking for accounts with the highest bonuses available, keep in mind of the Direct Deposit requirements.

Continue reading on for the best bank bonuses and promotions we highly recommend, here on BankCheckingSavings.

HSBC Checking $350 & $750 Bonus

• HSBC Premier Checking $750 Offer expires March 29, 2019
• HSBC Advance Checking $350 Offer expires March 29, 2019
• HSBC Choice Checking $200 Offer expires March 29, 2019
• Available online only
• Branches in CA, CT, DC, DE, FL, MD, NJ, NY, PA, VA, WA
• Application will trigger a Soft Pull, which does not affect your credit
• Credit card funding is not available
• No Direct Deposit required for the bonus
• Bottom Line: The $350 and $750 Checking bonuses are generally offered throughout the year. They’re one of the best offers from a big bank like HSBC.

Chase Total Checking® $200 Bonus

• Available nationwide
• $25 minimum opening deposit
• Direct Deposit is required for the bonus (no minimum amount stated)
• Application triggers a Soft Pull, which does not affect your credit
• You can fund up to $500 with a non-Chase credit card toward the opening deposit
• Bottom Line: The most popular Checking account promotion from the second largest bank in the nation. Great bonus value for a full-featured Checking account. The Monthly Fee is easy to waive with just a $1,500 minimum daily balance or use other options.
• See full review here: Chase Bank Bonuses

(Expires 04/15/2019)

Chase Savings℠ $150 Bonus

• Available nationwide
• $25 minimum opening deposit
• No Direct Deposit required for the bonus
• Application triggers a Soft Pull, which does not affect your credit
• You can fund up to $500 with a non-Chase credit card toward the opening deposit
• Bottom Line: Generally paired with the Chase Checking account, the Savings account is also offers a solid bonus. The $5 Monthly Fee can be waived by meeting certain requirements.
• See full review here: Chase Bank Bonuses

(Expires 04/15/2019)

Huntington Bank 5 Checking $200 Bonus

• Huntington 5 or Huntington 25 Checking account is eligible for the bonus
• Available in Illinois, Indiana, Kentucky, Michigan, Ohio, Pennsylvania, West Virginia or Wisconsin
• No Direct Deposit required for the bonus
• Application will trigger a Soft Pull, which does not affect your credit
• Credit card funding is not available
• Bottom Line: Huntington Bank offers a generous bonus and excellent account features for those who want to earn interest on their balances without having a direct deposit. The Huntington 5 comes with a $5 Monthly Fee that can be waived if you have $5,000 total, while the Huntington 25 comes with a $25 Monthly Fee that can be waived if you have $25,000 total.
• See full review here: Huntington Bank Bonuses

(Expires June 30, 2019)

Discover Bank Online Savings $150/$200 Bonus

• Promo code: BCS119
• Available online nationwide
• No minimum deposit required to open an account
• There are no monthly fees with this account
• No Direct Deposit required for the bonus
• Application will trigger a Soft Pull, which does not affect your credit
• Credit card funding is unknown. Let us know
• Bottom Line: Discover is a very well known bank and will be a reliable place to invest your savings. Not only will you get a generous bonus, but you’ll earn a better rate than almost all the major traditional banks. The rate applies to ALL balances rather than being tiered.
• See full review here: Discover Bank Bonuses

(Expires February 4, 2019, See advertiser website for full details)

Chase Premier Plus Checking^℠ $300 Bonus

• Available nationwide
• $25 minimum opening deposit
• Direct Deposit is required for the bonus
• Application triggers a Soft Pull, which does not affect your credit
• You can fund up to $500 with a non-Chase credit card towards the opening deposit
• Bottom Line: Another one of the most popular Checking account options on the market with a higher bonus value and more features than the Total Checking^® account. A higher Monthly Fee is required at $25, but there are several ways to waive it.
• See full review here: Chase Bank Bonuses

(Expires 04/15/2019)

Chase College Checking℠ $100 Bonus

• Available nationwide
• $25 minimum opening deposit
• No Direct Deposit required for the bonus
• Application triggers a Soft Pull, which does not affect your credit
• You can fund up to $500 with a non-Chase credit card towards the opening deposit
• Bottom Line: This is the perfect Checking account option for students on the market that currently offers a generous and easy-to-get bonus along with it. It comes with a $6 Monthly Fee, but as long as you’re enrolled in college for up to 5 years or if you meet other simple requirements, you can waive this fee.
• See full review here: Chase Bank Bonuses

(Expires 04/16/2019)

Chase Sapphire℠ Checking 60,000 Ultimate Rewards Points Bonus 

• Available nationwide
• $25 minimum opening deposit
• No Direct Deposit required for the bonus
• Application triggers a Soft Pull, which does not affect your credit
• Credit card funding is unknown. Let us know
• Bottom Line: Sapphire Banking offers Sapphire and Freedom cardmembers an opportunity to enjoy a new kind of banking experience. Get access to ATMs worldwide, without paying a fee. Plus, earn perks that add up, such as relationship rates, special access, and help when you need it.
• See full review here: Chase Bank Bonuses

(Expires 03/05/2019)

TD Bank Checking $150 & $300 Bonus

• $150 bonus offer available for the TD Convenience Checking^SM account
• $300 bonus offer available for the TD Premier Checking^SM account
• Available in: CT, DC, DE, FL, MD, ME, MA, NC, NH, NJ, NY, PA, RI, SC, VT, VA
• Direct Deposit is required for the bonus
• Application will trigger a Soft Pull, which does not affect your credit
• You can fund up to $300 toward the opening deposit using a credit card
• Bottom Line: The Convenience Checking^SM is a great option for those looking for a basic checking account. The Premier Checking^SM account is for those who are looking for more premium features and earns interest with a higher balance. In addition, users can earn a 0.25% discount on TD Bank Home Equity and Personal Loans. Each come with a Monthly Fee, but they can be waived by maintaining a certain minimum balance.
• See full review here: TD Bank Bonuses

(Limited Time Offer)

CIT Bank Savings Builder 2.45% APY Rate

• Available nationwide
• $100 minimum opening deposit
• No Direct Deposit required for the rate
• Application triggers a Soft Pull, which does not affect your credit
• Credit card funding is unknown. Let us know
• Bottom Line: With a low-minimum opening deposit, you will not only receive an industry leading rate, but you will have secure banking features, 24/7 account access, and the account is FDIC insured. This account is ideal for those wanting to accelerate their savings.
• See full review here: CIT Bank Bonuses

(Rates May Change At Any Time Without Notice)

Featured Business Checking Bonuses

When you have a business, searching for a business bank account is a crucial step many business owners should take. Whether you’re just getting started and needing a business debit card or you’re already a well-established business owner looking for ways to earn more savings, there are many decisions you have to make.

Because this is an important decision for your business’ finances, you should know what you’re doing when you’re looking through all the business bank account options. Thus, we have provided you a selection of our featured business checking accounts below.

Business checking accounts are great for storing your business’ working capital cash flow that allows your money to be easily accessible. On the other hand, business savings accounts are the perfect way to store your business’ money away to save and even earn for it. Both accounts work well together.

Generally speaking, newer businesses that are just starting up will likely be in more need of a business checking account, while more well-established businesses with a lot of cash on hand will likely be searching for savings accounts.

Chase Total Business Checking^® $200 Bonus

• Eligible accounts: Chase Total Business Checking^®, Chase Performance Business Checking^® (or Chase Performance Business Checking^® with Interest), or Chase Platinum Business Checking^SM account
• Available nationwide
• $1,000 minimum opening deposit
• No Direct Deposit required for the bonus
• Application triggers a Soft Pull, which does not affect your credit
• You can fund up to $500 with a non-Chase credit card towards the opening deposit
• Bottom Line: Created for business owners in mind, users can get access to business specialists at your local branch to help with your business needs. In addition, this account comes with Account Alerts, unlimited electronic deposits at no charge, including Chase QuickDeposit^SM, ACH and ATM.
• See full review here: Chase Bank Bonuses

(Expires 04/09/2019)

Huntington Bank Accelerated Business Checking $750 Bonus

• Available in Illinois, Indiana, Kentucky, Michigan, Ohio, Pennsylvania, West Virginia or Wisconsin
• No Direct Deposit required for the bonus
• Application will trigger a Soft Pull, which does not affect your credit
• Credit card funding is not available
• Bottom Line: Along with this generous bonus, business owners can enjoy up to 600 monthly transactions with this account. Plus, earn interest on your account balance. The $30 Monthly Fee can be waived if you have a $25,000 checking balance or $100,000 total relationship balances.
• See full review here: Huntington Bank Bonuses

(Expires April 15, 2019)

Huntington Bank Fast Track Business Checking $400 Bonus

• Available in Illinois, Indiana, Kentucky, Michigan, Ohio, Pennsylvania, West Virginia or Wisconsin
• No Direct Deposit required for the bonus
• Application will trigger a Soft Pull, which does not affect your credit
• Credit card funding is not available
• Bottom Line: This is another great business checking account from Huntington Bank. Users can enjoy up to 300 monthly transactions with this account. The Monthly Fee of $20 is lower than the Accelerated Business account which can be waived if you maintain an account average of $5,000 for the monthly statement period or have $30,000 in total relationship balances.
• See full review here: Huntington Bank Bonuses

(Expires April 15, 2019)

Huntington Bank Community Business Checking $200 Bonus

• Available in Illinois, Indiana, Kentucky, Michigan, Ohio, Pennsylvania, West Virginia or Wisconsin
• No Direct Deposit required for the bonus
• Application will trigger a Soft Pull, which does not affect your credit
• Credit card funding is not available
• Bottom Line: A free business checking account offered by Huntington, allowing users to enjoy up to 150 monthly transactions. It’s a simple, yet convenient account for businesses who are interested in what Huntington Bank has to offer and are just starting out.
• See full review here: Huntington Bank Bonuses

(Expires April 15, 2019)

Bank Account Bonuses With Soft Pull

When a lender or creditor asks a credit bureau to look at your credit report, that inquiry may get noted as part of your credit history. Banks check your credit to determine if you’re a responsible person. Many late payments or bills in collection can let banks know you have a hard time staying organized with your money, and that’s not a good sign for them. There are two types of inquiries you can have: hard and soft.

A hard credit inquiry, or a hard pull, is when a lender pulls your credit report because you’ve applied for new credit (credit cards, a car loan, a home loan) or an increase to an existing line of credit. Hard credit inquiries can affect your credit score because seeking new credit can make you seem like more of a risk to lenders who may worry about your ability to pay back the debt.

Usually, hard pulls don’t have a huge impact on your credit score. Users with good to excellent credit can often get less than five points off your credit score. One or two credit checks will not significantly harm your credit.

In contrast, a soft credit inquiry, or a soft pull, is when a credit card company or lender checks your credit report as a background check. It’s simply a review of your credit. There’s no in-depth check, so your credit isn’t affected and they do not appear on your credit report. A soft pull shows exactly what you would see if you looked at your own credit report — lines of credit, loans, your payment history, and any collections accounts.

Nonetheless, for those who are concerned about hard pulls affecting your credit, we’ve compiled a list of bank bonuses with soft pulls. These bonuses have been reported to be soft pull by our readers or from our own experiences. However, they may not always be accurate, depending on the branch you are applying to. YMMV. If you are concerned about your credit score being affected, please double check and call the bank you’d like to apply for to see if they do have a hard pull or a soft pull.

Complete List of Bank Bonuses (300+)

Below you will find the best regional bank bonuses, promotions, and offers. We rank them 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.

Business Bank Bonuses