Banking Bonuses
Verified bank account bonuses — cash for opening a new checking, savings, or business account. Every offer links to the official bank page with the current bonus, qualifying deposits, promo codes, and expiry.
Bank account bonuses are real cash for moving your direct deposit or a chunk of savings to a new account — but the fine print matters. Every offer below was checked against the bank’s official offer page: bonus amount, qualifying deposits, promo codes, state eligibility, and expiry all reflect what the official page stated. Offers expire and terms change, so confirm the current deal on the official page before you apply.
Before You Apply
- Direct deposit is usually the trigger: Most checking bonuses require a set amount of qualifying direct deposits (paycheck, pension, or government benefits) within 60–90 days. Person-to-person transfers like Zelle almost never count.
- Watch the monthly fee: A bonus account often carries a monthly maintenance fee that is waived only while you meet a balance or deposit minimum. After the bonus posts, confirm the fee waiver still applies or close the account on the bank’s terms.
- Bonuses are taxable: Bank and credit-union bonuses are generally reported to the IRS on Form 1099-INT (or 1099-MISC) as taxable interest or miscellaneous income. Plan for the tax bill at year end — the bank will report it whether or not you receive the form.
- Confirm state eligibility: Several offers are limited to residents of specific states, and some promo codes are targeted. Always confirm eligibility and that the promo code applies on the bank’s landing page before submitting an application.
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Personal Checking Bonuses
National checking account bonuses. Most require qualifying direct deposits within 60–90 days of opening.
Chase Total Checking
Open a new Chase Total Checking account and receive direct deposits totaling $1,000 or more within 90 days of offer enrollment. Bonus posts within 15 days. Not eligible if you have closed a Chase checking account in the past 90 days or earned a Chase checking bonus in the past two years.
- Availability: Nationwide
- Expires: Jan 27, 2027
Chase Total Checking + Savings Combo
Open both a Total Checking and a Chase Savings account. Receive a direct deposit into checking within 90 days and deposit at least $15,000 in new money into the savings account within 30 days. Combines the checking bonus with a savings bonus and an extra $400.
- Availability: Nationwide
- Expires: Jan 27, 2027
Wells Fargo Everyday Checking
Open a new Everyday Checking account with a $25 minimum deposit and receive $1,000 or more in qualifying electronic deposits within 90 days of account opening. Bonus paid within 30 days of meeting requirements.
- Availability: Nationwide
- Expires: Jan 13, 2027
Wells Fargo Clear Access Banking
Open a new Clear Access Banking account from the offer page and complete the qualifying activities within 60 days. A lower-deposit alternative to the Everyday Checking bonus.
- Availability: Nationwide
Citi Regular Checking
Open a new Citi Regular Checking account and receive $3,000 or more in Enhanced Direct Deposits within 90 days for the $325 bonus. Higher Citigold tiers offer up to $4,000 with tiered new-money deposits — see Citi Special Offers for all tiers.
- Availability: Nationwide
SoFi Checking and Savings
Open a new SoFi Checking and Savings account and receive qualifying direct deposits within 25 days: $1,000+ earns $50; $5,000+ earns $400. Eligible direct deposits also unlock a boosted savings APY.
- Availability: Nationwide
- Expires: Dec 31, 2026
PNC Virtual Wallet with Performance Select
Open a new Virtual Wallet with Performance Select and receive $5,000 or more in qualifying direct deposits into the Spend account within 60 days. The standard Virtual Wallet earns $100 with $500+ in direct deposits.
- Availability: Nationwide (eligible markets)
Huntington Perks / Platinum Perks Checking
Perks Checking: $400 bonus with $500+ in qualifying direct deposits within 90 days. Platinum Perks Checking: $600 bonus with $25,000+ in cumulative new-money deposits. Account must stay open 90 days.
- Availability: 12 states: CO, IL, IN, KY, MI, MN, NC, OH, PA, SC, WV, WI
- Expires: Jan 15, 2027
KeyBank Key Select Checking
Open a Key Select Checking account online using offer code KDMB0526, make a $50 minimum opening deposit, and receive $5,000 or more in eligible direct deposits within 90 days. Bonus posts within 60 days of meeting requirements.
- Availability: KeyBank markets
- Expires: Dec 11, 2026
- Promo code: KDMB0526
BMO Smart Advantage / Smart Money Checking
Open a new BMO Smart Advantage, Smart Money, or Relationship Checking account and earn $100 per month (up to $600 over six months) for each month you receive $1,000+ in qualifying direct deposits.
- Availability: 14 states: AZ, CA, CO, FL, IA, IL, IN, MN, NM, NV, OR, UT, WA, WI
- Expires: Dec 15, 2026
Capital One 360 Checking
Open a new 360 Checking account with promo code CHECKING250 and receive two qualifying direct deposits of $500 each within 75 days — or use code DEBIT250 and make 20 debit-card transactions of $10+ within 75 days. Bonus posts within 60 days after the qualifying period.
- Availability: Nationwide
- Promo code: CHECKING250 or DEBIT250
U.S. Bank Smartly Checking
Open a new Smartly Checking account, make a $25 opening deposit within 60 days, and receive qualifying direct deposits: $2,000–$4,999.99 earns $250; $5,000–$7,999.99 earns $350; $8,000+ earns $450.
- Availability: Nationwide
- Expires: Jun 1, 2027
TD Bank Beyond / Complete Checking
TD Beyond Checking: $300 bonus with $2,500+ in qualifying direct deposits. TD Complete Checking: $200 bonus with qualifying activities. New checking customers only.
- Availability: East Coast states
American Express Rewards Checking
Open a new American Express Rewards Checking account and receive $7,500 or more in qualifying direct deposits. Open to eligible Amex cardholders and HYSA customers; subject to approval.
- Availability: Nationwide (eligible customers)
- Expires: Feb 1, 2027
Fifth Third Bank Checking
Open an eligible Fifth Third checking account; the $300 offer code is applied automatically. Receive $500 or more in qualifying direct deposits within 90 days of account opening.
- Availability: Fifth Third markets
- Expires: Jan 4, 2027
Regions LifeGreen Checking
Register your email on the offer page first, then open a new LifeGreen Checking account and receive $1,000+ in qualifying direct deposits within 90 days. You must register before opening the account to be eligible.
- Availability: AL, AR, FL, GA, IL, IN, IA, KY, LA, MS, MO, NC, SC, TN, TX
- Expires: Register by Dec 31, 2026; open by Jan 31, 2027
Truist One Checking
Open a new Truist One Checking account and complete qualifying activities, including direct deposits and debit-card purchases. New checking clients only; terms apply.
- Availability: Truist markets
- Expires: Feb 2, 2027
Chime Checking Account
Open a new Chime Checking account (first-time account holders only) and receive a qualifying direct deposit of $200 or more each month for three consecutive months. The first direct deposit must arrive within 30 days of opening.
- Availability: Nationwide
Bank of America Advantage Banking
Open an eligible Advantage Plus checking account and receive $10,000 or more in qualifying direct deposits. The offer is frequently targeted or code-required — confirm the bonus is live on the official page before applying.
- Availability: Nationwide
Business Checking Bonuses
Bonuses for new business checking accounts. Most require a qualifying deposit balance and/or transactions within the first 30–90 days.
Chase Business Complete Checking
Open a new Business Complete Checking account and deposit $2,000–$9,999 within 30 days plus complete five qualifying transactions for a $400 bonus, or deposit $10,000+ for a $500 bonus. Bonus posts within 15 days.
- Availability: Nationwide
PNC Business Checking
Open a new Business Checking or Business Checking Plus account and maintain at least a $2,000 minimum average balance. Reward deposited 60–90 days after conditions are met.
- Availability: Nationwide
Huntington Business Checking
Open an eligible Huntington business checking account and meet the qualifying deposit and balance activities. See the official business promotions page for the current tier and terms.
- Availability: Huntington markets
BMO Business Checking
Open a new BMO Digital, Simple, Premium, or Elite Business Checking account. On Day 30 the balance must be $50,000+, and from Day 31 to Day 90 it must stay at $50,000+ without dropping below.
- Availability: Nationwide
- Expires: Feb 1, 2027
Axos Basic Business Checking
Open a new Basic Business Checking account using promo code START200 and meet the qualifying activities. Aimed at new businesses.
- Availability: Nationwide
- Expires: Jan 31, 2027
- Promo code: START200
Bluevine Business Checking
Open a new Bluevine Business Checking account and meet the eligibility requirements. New customers who have not been owners or signers on a Bluevine business account in the past 12 months. Bonus deposits the month after requirements are met.
- Availability: Nationwide
Savings & Investment Account Bonuses
Bonuses tied to savings, mileage, and brokerage accounts. These usually require a larger balance held for a set period.
Bask Bank Mileage Savings
Open a new Bask Mileage Savings Account (first-time Mileage Savings customers only), fund it within 15 business days, and maintain a $50,000 minimum daily balance for 90 consecutive days within the first 120 days. Provide an AAdvantage account number in the same name. Miles post within 6–8 weeks; the bonus value is reported to the IRS.
- Availability: Nationwide
- Expires: Nov 30, 2026
Alliant Credit Union Ultimate Opportunity Savings
New Alliant members deposit $100 or more into the Ultimate Opportunity Savings Account for 12 consecutive months to earn a $100 savings bonus. Membership is open nationwide through Alliant’s qualifying organization.
- Availability: Nationwide
- Expires: Dec 31, 2026
J.P. Morgan Self-Directed Investing
Open a new J.P. Morgan Self-Directed Investing account and transfer qualifying new money within 45 days: $5,000–$24,999 earns $50; $25,000–$99,999 earns $150; $100,000–$249,999 earns $325; $250,000+ earns $1,000. Maintain the new funds for 90 days. Investment products are not FDIC insured and may lose value.
- Availability: Nationwide
- Expires: Jan 21, 2027
Wealthfront Cash Account
New Wealthfront clients earn a promotional APY (4.20% for the first three months, then the base APY) on the Cash Account with no monthly fees and a $1 minimum opening deposit. The Cash Account itself pays interest rather than a one-time cash bonus; confirm the current promotional rate on the official page.
- Availability: Nationwide
Albert — Free Stock
Open an Albert Investing account, deposit $1,000, and maintain the balance for six months to receive up to $1,000 in free stock. A paid Albert Genius subscription is required. Albert is not a bank; investing involves risk.
- Availability: Nationwide
Looking for regional bank & credit-union bonuses?
Regional bank and credit-union bonuses rotate constantly and their official offer pages are often targeted or expire within weeks. For offers not listed above, Doctor of Credit maintains a frequently updated, reputable directory — always confirm the current terms and state eligibility on the bank’s own page before applying.
Doctor of Credit — Best Bank Account BonusesBank bonuses are generally reported to the IRS on Form 1099-INT as taxable interest income (or 1099-MISC for some promotions). Always confirm state eligibility and that any promo code applies on the bank’s official landing page before submitting an application.