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 Bank of America $100 Checking Bonus Offer
- 2.2 U.S. Bank $600 SmartlyTM Checking Bonus
- 2.3 Chase Private $2,000 Bonus
- 2.4 Citi Priority Account Up to $2,000 Cash Bonus
- 2.5 Citigold® Checking Account Up to $2,000 Cash Bonus
- 2.6 SoFi Checking & Savings $275 Bonus + 3.75% APY
- 2.7 Chase Total Checking® $200 Bonus
- 2.8 Chase College CheckingSM $100 Bonus
- 2.9 Chase Secure BankingSM $100 Bonus
- 2.10 Discover Online Savings Account $150/$200 Bonus
- 2.11 TD Bank Beyond Checking $300 Bonus
- 2.12 TD Bank Convenience Checking $200 Bonus
- 2.13 Axos Bank Rewards Checking $100 Bonus
- 2.14 PSECU Checking $300 Bonus
- 2.15 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 $1,000 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 PNC Bank Up to $400 Checking 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
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)
U.S. Bank $600 SmartlyTM Checking Bonus
Earn up to $600 bonus when you open a new U.S. Bank SmartlyTM checking account and a Standard savings account and complete qualifying activities. Subject to certain terms and limitations. Offer valid through February 7, 2023. Member FDIC.
- What you’ll get: Up to $600 bonus
- Eligible account: SmartlyTM Checking & Standard Savings
- 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 90 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 $3,000 to $5,999.99 to earn $200 or $6,000 or more to earn $400.
- Earn an additional $200 when you open a new Standard Savings account, complete deposit(s) of $25,000 or more February 28, 2023 and maintain a total account balance of $25,000 until May 31, 2023.
- To earn the bonus, complete these steps within 90 days of opening your new U.S. Bank SmartlyTM checking account online:
(Expires 02/7/2023)
Chase Private $2,000 Bonus
You’re eligible for a $2,000 bonus when you open a new Chase Private Client Checking account with qualifying activities.
- What you’ll get: $2,000 bonus
- Eligible account: Chase Private Client
- Where it’s available: AZ, CA, CO, CT, DC, DE, FL, GA, IA, ID, IL, IN, KY, LA, MA, MD, MI, MS, NH, NJ, NM, NV, NY, OH, OK, OR, PA, RI, TN, TX, UT, VA, WA, WI, WV
- How to earn it:
- Enjoy a $2,000 bonus when you open a new Chase Private Client Checking account with qualifying activities.
- Within 45 days of coupon enrollment, transfer a total of $250,000 or more in new money or securities to a combination of eligible checking, savings and/or investment accounts (excludes Chase business checking and savings accounts, any J.P. Morgan Self-Directed Investing & Automated Investing, J.P. Morgan Personal Advisors Accounts, J.P. Morgan Wealth Management retirement accounts and CDs), and maintain the balance for at least 90 days from coupon enrollment.
(Expires 04/19/2023)
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:
- Deposit New-to-Citi Funds into your new checking account within 20 days of account opening. The balance on your 20th day will determine your maximum eligible cash bonus. Maintain the required Minimum Balance in your eligible account for an additional 60 days from the 21st day.
- The cash bonus will be deposited to your open, eligible account within 30 calendar days after you 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:
- Deposit New-to-Citi Funds into your new checking account within 20 days of account opening. The balance on your 20th day will determine your maximum eligible cash bonus. Maintain the required Minimum Balance in your eligible account for an additional 60 days from the 21st day.
- The cash bonus will be deposited to your open, eligible account within 30 calendar days after you 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 |
SoFi Checking & Savings $275 Bonus + 3.75% APY
Earn more on your money with 3.75% 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 + 3.75% 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 |
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 04/19/2023)
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 04/19/2023)
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:
- New Chase checking customers enjoy a $100 checking account bonus when you open a Chase Secure BankingSM account with qualifying transactions. Open online or at any Chase branch.
(Expires 04/19/2023)
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: BCS323. See advertiser website for full details.
- What you’ll get: $150/$200 Bonus + 3.30% APY
- Eligible account: Discover Online Savings Account
- Where it’s available: Online Nationwide
- How to earn it:
- To get your $150 or $200 Bonus: What to do: Apply for your first Discover Online Savings Account, online, in the Discover App or by phone. Enter Offer Code BCS323 when applying. Deposit into your account a total of at least $15,000 to earn a $150 Bonus or deposit a total of at least $25,000 to earn a $200 Bonus. Deposit must be posted to account within 30 days of account open date. Maximum bonus eligibility is $200.
(See advertiser website for full details)
What to know: Offer not valid for existing or prior Discover savings customers or existing or prior customers with savings accounts that are co-branded, or affinity accounts provided by Discover. Eligibility is based on primary account owner. Account must be open when bonus is credited. Bonus will be credited to the account within 60 days of the account qualifying for the bonus. Bonus is interest and subject to reporting on Form 1099-INT. Offer ends 3/15/2023, 11:59 PM ET. Offer may be modified or withdrawn without notice.
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 $100 Bonus
- What you’ll get: $100 bonus
- Eligible account: Rewards Checking account
- How to earn it:
- Use the promo code RC100 when you apply for a Rewards Checking account by 3/31/2023.
- Then have qualifying direct deposit(s) to earn a $100 welcome bonus.
(Visit Axos Bank to learn more)
PSECU Checking $300 Bonus
PSECU is offering a $300 bonus when you open a new qualifying checking account and meet the requirements.
What you’ll get: $300 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:
- Earn $100. Become a PSECU member using promo code: LEVELUP and add a free checking account with debit card. Log into digital banking (online or mobile). Activate your debit card.
- Earn $100. Establish one or more qualifying payroll direct deposits that together total $200 per calendar month.
- Earn $100. Maintain the qualifying payroll direct deposit(s) for 90 days after initial deposit.
(Expires 12/31/2023)
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 30, 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 01/30/2023)
Huntington Bank Unlimited Plus Business Checking $1,000 Bonus
Open your Huntington Unlimited Plus Business Checking account today and enjoy a $1,000 bonus when meeting certain requirements.
- What you’ll get: $1,000 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 30 days of account opening.
(Expires 05/07/2023)
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 05/07/2023)
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 05/07/2023)
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 3/31/2023 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 3/31/2023 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 3/31/2023 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 3/31/2023 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 3/31/2023 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 3/31/2023 to qualify.
(Visit Axos Bank to learn more)
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.
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 | $1,000 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 | 12/31/2023 | Review |
| American Airlines Federal Credit Union | Nationwide | $25 | 03/31/2023 | Review |
| American Express | Nationwide | 30K Points | None | Review |
| Arkansas Federal Credit Union | AR | $300 | 01/04/2023 | Review |
| Associated Bank | IA, IL, IN, KS, MI, MN, MO, OH, WI | $300 | 03/31/2023 | Review |
| Bank of America | Nationwide | $200 | 06/30/2023 | 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 |
| FNBO | CO, IA, IL, KS, NE, SD, TX, MO, WI, WY | $200 | 03/31/2023 | 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 |
| Katahdin Trust Company | ME | $500 | 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 | $500 | 03/31/2023 | Review |
| Mercury | Nationwide | $500 | None | Review |
| Mercury | Nationwide | $100 | None | Review |
| MIDFLORIDA Credit Union | FL | $300 | None | Review |
| Newtown Savings Bank | CT | $300 | 01/31/2023 | Review |
| North State Bank | NC | $450 | None | Review |
| Old National Bank | IL, IN, KY, MI, WI | $700 | 12/30/2022 | 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 | 03/31/2023 | 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 | 03/31/2023 | Review |
| Santander Bank | NH, MA, RI, CT, DE, NY, NJ & PA | $500 | 07/31/2022 | Review |
| Seacoast Bank | FL | $600 | 12/31/2023 | Review |
| Seacoast Bank | FL | $250 | 12/31/2023 | 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 | 03/31/2023 | 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 | 03/31/2023 | Review |
| Wintrust Bank | IL, FL, IN, WI | $300 | 03/31/2023 | Review |
| Wintrust Bank | IL, FL, IN, WI | $300 | 03/31/2023 | 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.