Our experts answer readers’ banking questions and write unbiased product reviews (here’s how we assess banking products). In some cases, we receive a commission from our partners; however, our opinions are our own. Terms apply to offers listed on this page.
We’ve gone through the best bank promotions and bonus offers among national, regional banks, and online banks, and selected our top picks for August 2023. Some of these bank bonus offers are for personal checking and savings accounts, while other promotions are for business accounts.
SoFi Checking and Savings
Annual Percentage Yield (APY)
up to 4.50%
Minimum Deposit Amount
$0
Fees
no monthly service fee
SoFi Checking and Savings
Annual Percentage Yield (APY)
up to 4.50%
Minimum Deposit Amount
$0
Fees
no monthly service fee
SoFi Checking and Savings
SoFi Checking and Savings is a great account option if you don’t mind keeping your savings and checking in one account.
Details
Fees
no monthly service fee
Annual Percentage Yield (APY)
up to 4.50%
SoFi members with direct deposit can earn up to 4.50% annual percentage yield (APY) on savings balances (including Vaults) and 0.50% APY on checking balances. There is no minimum direct deposit amount required to qualify for the 4.50% APY for savings. Members without direct deposit will earn up to 1.20% annual percentage yield (APY) on savings balances (including Vaults) and 0.50% APY on checking balances. Interest rates are variable and subject to change at any time. These rates are current as of 8/2/2023. There is no minimum balance requirement. Additional information can be found at http://www.sofi.com/legal/banking-rate-sheet
Show more
Minimum Deposit Amount
$0
Chase Private Client Checking℠
Annual Percentage Yield (APY)
0.01% as of 06/30/2023
Minimum Deposit Amount
None
Fees
$35 monthly service fee
Chase Private Client Checking℠
Annual Percentage Yield (APY)
0.01% as of 06/30/2023
Minimum Deposit Amount
None
Fees
$35 monthly service fee
Chase Private Client Checking℠
Chase Private Client Checking℠ could be a good fit if you want access to a Chase Private Banker, Business Relationship Manager, and discounts on auto and home loans. But if you don’t have at least $150,000 in a combination of your accounts, you won’t qualify to open an account or to waive the monthly fee.
Details
Fees
$35 monthly service fee
Annual Percentage Yield (APY)
0.01% as of 06/30/2023
The Annual Percentage Yield (APY), for Chase Private Client Checking℠ effective as of 6/30/2023 is 0.01% for all balances in all states. Interest rates are variable and subject to change. Additionally, fees may reduce earnings on the account.
Show more
Minimum Deposit Amount
None
Citigold® Checking Account
Annual Percentage Yield (APY)
None
Minimum Deposit Amount
$200,000
Fees
See website for details
Citigold® Checking Account
Annual Percentage Yield (APY)
None
Minimum Deposit Amount
$200,000
Fees
See website for details
Citigold® Checking Account
Citi® could be a good option if you live in one of the 42 states that offers Citi® Accelerate Savings because it pays a high interest rate. Citi® is also notably featured in our guides for best low credit score mortgage lenders and best credit cards.
Details
Fees
See website for details
Annual Percentage Yield (APY)
None
Minimum Deposit Amount
$200,000
Citi Priority
Annual Percentage Yield (APY)
None
Minimum Deposit Amount
$0
Fees
See website for details
Citi Priority
Annual Percentage Yield (APY)
None
Minimum Deposit Amount
$0
Fees
See website for details
Citi Priority
Citi® could be a good option if you live in one of the 42 states that offers Citi® Accelerate Savings because it pays a high interest rate. Citi® is also notably featured in our guides for best low credit score mortgage lenders and best credit cards.
Details
Fees
See website for details
Annual Percentage Yield (APY)
None
Minimum Deposit Amount
$0
Huntington Bank Unlimited Plus Business Checking
Annual Percentage Yield (APY)
None
Minimum Deposit Amount
None
Fees
$40 monthly service fee
Huntington Bank Unlimited Plus Business Checking
Annual Percentage Yield (APY)
None
Minimum Deposit Amount
None
Fees
$40 monthly service fee
Huntington Bank, FDIC Insured
Huntington Bank Unlimited Plus Business Checking
Huntington Bank is a good option if you live near a branch and prefer in-person banking.
Details
Fees
$40 monthly service fee
Annual Percentage Yield (APY)
None
Minimum Deposit Amount
None
U.S. Bank Silver Business Checking Package
Annual Percentage Yield (APY)
None
Minimum Deposit Amount
$100
Fees
no monthly maintenance fee
U.S. Bank Silver Business Checking Package
Annual Percentage Yield (APY)
None
Minimum Deposit Amount
$100
Fees
no monthly maintenance fee
U.S. Bank Silver Business Checking Package
U.S. Bank might be ideal if you’d like to open a business checking account with a brick-and-mortar financial institution that offers 24/7 customer support.
Details
Fees
no monthly maintenance fee
Annual Percentage Yield (APY)
None
Minimum Deposit Amount
$100
Huntington Bank Platinum Perks Checking
Annual Percentage Yield (APY)
0.03%
Minimum Deposit Amount
$0
Fees
$25 monthly service fee
Huntington Bank Platinum Perks Checking
Annual Percentage Yield (APY)
0.03%
Minimum Deposit Amount
$0
Fees
$25 monthly service fee
Huntington Bank, FDIC Insured
Huntington Bank Platinum Perks Checking
Huntington Bank is a good option if you live near a branch and prefer in-person banking.
Details
Fees
$25 monthly service fee
Annual Percentage Yield (APY)
0.03%
Minimum Deposit Amount
$0
PNC Treasury Enterprise Plan
Annual Percentage Yield (APY)
N/A
Minimum Deposit Amount
$100
Fees
$50 monthly maintenance fee
PNC Treasury Enterprise Plan
Annual Percentage Yield (APY)
N/A
Minimum Deposit Amount
$100
Fees
$50 monthly maintenance fee
PNC Treasury Enterprise Plan
PNC Bank’s strongest products are its digital accounts, but your options will depend on where you live.
Details
Fees
$50 monthly maintenance fee
Annual Percentage Yield (APY)
N/A
Minimum Deposit Amount
$100
PNC Analysis Business Checking
Annual Percentage Yield (APY)
N/A
Minimum Deposit Amount
$100
Fees
$25 monthly maintenance fee
PNC Analysis Business Checking
Annual Percentage Yield (APY)
N/A
Minimum Deposit Amount
$100
Fees
$25 monthly maintenance fee
PNC Analysis Business Checking
PNC Bank’s strongest products are its digital accounts, but your options will depend on where you live.
Details
Fees
$25 monthly maintenance fee
Annual Percentage Yield (APY)
N/A
Minimum Deposit Amount
$100
BMO Harris Premier Account
Annual Percentage Yield (APY)
0.01%
Minimum Deposit Amount
$25
Fees
$25 monthly service fee
BMO Harris Premier Account
Annual Percentage Yield (APY)
0.01%
Minimum Deposit Amount
$25
Fees
$25 monthly service fee
BMO Harris Premier Account
BMO Harris is a great choice if you want a free savings or checking account. It also offers impressive checking account bonuses. But you’ll want to look elsewhere to earn high interest rates.
Details
Fees
$25 monthly service fee
Annual Percentage Yield (APY)
0.01%
Minimum Deposit Amount
$25
U.S. Bank Smartly® Checking
Annual Percentage Yield (APY)
See site for details
Minimum Deposit Amount
$25
Fees
$6.95 monthly service fee
U.S. Bank Smartly® Checking
Annual Percentage Yield (APY)
See site for details
Minimum Deposit Amount
$25
Fees
$6.95 monthly service fee
U.S. Bank Smartly® Checking
U.S. Bank is included in our best national banks guide as the best national bank in the Midwest and West. It’s a good choice if you want a brick-and-mortar bank with 24/7 live support. It also has a variety of credit card and lending options, and you can earn significant welcome bonuses when you open checking and savings accounts.
Details
Fees
$6.95 monthly service fee
Annual Percentage Yield (APY)
See site for details
Minimum Deposit Amount
$25
U.S. Bank Standard Savings Account
Annual Percentage Yield (APY)
0.01%
Minimum Deposit Amount
$25
Fees
$4 monthly service fee
U.S. Bank Standard Savings Account
Annual Percentage Yield (APY)
0.01%
Minimum Deposit Amount
$25
Fees
$4 monthly service fee
U.S. Bank Standard Savings Account
U.S. Bank is included in our best national banks guide as the best national bank in the Midwest and West. It’s a good choice if you want a brick-and-mortar bank with 24/7 live support. It also has a variety of credit card and lending options, and you can earn significant welcome bonuses when you open checking and savings accounts.
Details
Fees
$4 monthly service fee
Annual Percentage Yield (APY)
0.01%
Minimum Deposit Amount
$25
Huntington Bank Perks Checking
Annual Percentage Yield (APY)
0.02%
Minimum Deposit Amount
$0
Fees
$10 monthly service fee
Huntington Bank Perks Checking
Annual Percentage Yield (APY)
0.02%
Minimum Deposit Amount
$0
Fees
$10 monthly service fee
Huntington Bank, Member FDIC
Huntington Bank Perks Checking
Huntington Bank is a good option if you live near a branch and prefer in-person banking.
Details
Fees
$10 monthly service fee
Annual Percentage Yield (APY)
0.02%
Minimum Deposit Amount
$0
Huntington Bank Unlimited Business Checking
Annual Percentage Yield (APY)
None
Minimum Deposit Amount
None
Fees
$20 monthly service fee
Huntington Bank Unlimited Business Checking
Annual Percentage Yield (APY)
None
Minimum Deposit Amount
None
Fees
$20 monthly service fee
Huntington Bank, FDIC Insured
Huntington Bank Unlimited Business Checking
Huntington Bank is a good option if you live near a branch and prefer in-person banking.
Details
Fees
$20 monthly service fee
Annual Percentage Yield (APY)
None
Minimum Deposit Amount
None
PNC Bank Virtual Wallet®
Annual Percentage Yield (APY)
up to 4.00%
Minimum Deposit Amount
$0 or $25
Fees
$7, $15, or $25 monthly service fee
PNC Bank Virtual Wallet®
Annual Percentage Yield (APY)
up to 4.00%
Minimum Deposit Amount
$0 or $25
Fees
$7, $15, or $25 monthly service fee
PNC Bank Virtual Wallet®
PNC Bank’s strongest products are its digital accounts, but your options will depend on where you live.
Details
Fees
$7, $15, or $25 monthly service fee
Annual Percentage Yield (APY)
up to 4.00%
Rates and APYs may vary in different PNC Bank markets and may change after account opening. 4.00% APY is only available in AZ, CA, CO, NM and TX. 0.01% APY for any other states.
Show more
Minimum Deposit Amount
$0 or $25
Capital One 360 Checking®
Annual Percentage Yield (APY)
0.10%
Minimum Deposit Amount
$0
Fees
no monthly service fee
Capital One 360 Checking®
Annual Percentage Yield (APY)
0.10%
Minimum Deposit Amount
$0
Fees
no monthly service fee
Capital One 360 Checking®
Capital One is a strong bank overall. You’ll earn competitive interest rates on online savings accounts and CDs.
Details
Fees
no monthly service fee
Annual Percentage Yield (APY)
0.10%
Minimum Deposit Amount
$0
First National Bank Freestyle Checking Account
Annual Percentage Yield (APY)
None
Minimum Deposit Amount
$50 (online); $0 (in-branch)
Fees
$3.00 or $3.95 monthly service fee
First National Bank Freestyle Checking Account
Annual Percentage Yield (APY)
None
Minimum Deposit Amount
$50 (online); $0 (in-branch)
Fees
$3.00 or $3.95 monthly service fee
First National Bank, Member FDIC
First National Bank Freestyle Checking Account
Details
Fees
$3.00 or $3.95 monthly service fee
Annual Percentage Yield (APY)
None
Minimum Deposit Amount
$50 (online); $0 (in-branch)
Nationwide Business Premium Savings
Annual Percentage Yield (APY)
up to 4.01%
Minimum Deposit Amount
$25,000
Fees
no monthly service fee
Nationwide Business Premium Savings
Annual Percentage Yield (APY)
up to 4.01%
Minimum Deposit Amount
$25,000
Fees
no monthly service fee
On Axos Bank – Nationwide’s website
Nationwide Business Premium Savings
Axos has strong high-yield savings, checking, and money market accounts. if you’d like to avoid monthly service fees. But you can find higher interest rates at some of the best online banks.
Details
Fees
no monthly service fee
Annual Percentage Yield (APY)
up to 4.01%
Minimum Deposit Amount
$25,000
Chase Business Complete Checking
Annual Percentage Yield (APY)
None
Minimum Deposit Amount
None
Fees
$15 monthly service fee
Chase Business Complete Checking
Annual Percentage Yield (APY)
None
Minimum Deposit Amount
None
Fees
$15 monthly service fee
JPMorgan Chase Bank, FDIC Insured
Chase Business Complete Checking
You may prefer Chase to other banks if you like a nationwide branch and ATM network. Chase is listed in our guides for best national banks, best credit cards, and best mortgage lenders. Other financial institutions pay higher interest rates on savings accounts, though.
Details
Fees
$15 monthly service fee
Annual Percentage Yield (APY)
None
Minimum Deposit Amount
None
BMO Harris Smart Money
Annual Percentage Yield (APY)
N/A
Minimum Deposit Amount
$25
Fees
$5 monthly service fee if you are over 25
BMO Harris Smart Money
Annual Percentage Yield (APY)
N/A
Minimum Deposit Amount
$25
Fees
$5 monthly service fee if you are over 25
BMO Harris Smart Money
BMO Harris is a great choice if you want a free savings or checking account. It also offers impressive checking account bonuses. But you’ll want to look elsewhere to earn high interest rates.
Details
Fees
$5 monthly service fee if you are over 25
Annual Percentage Yield (APY)
N/A
Minimum Deposit Amount
$25
TD Bank Beyond Checking Account
Annual Percentage Yield (APY)
0.01%
Minimum Deposit Amount
$0
Fees
$25 monthly service fee
TD Bank Beyond Checking Account
Annual Percentage Yield (APY)
0.01%
Minimum Deposit Amount
$0
Fees
$25 monthly service fee
TD Bank Beyond Checking Account
You might like one of TD Bank’s three primary checking accounts if you prefer banking face-to-face and live near a branch along the East Coast.
Details
Fees
$25 monthly service fee
Annual Percentage Yield (APY)
0.01%
Minimum Deposit Amount
$0
Laurel Road Linked Checking℠
Annual Percentage Yield (APY)
0.01%
Minimum Deposit Amount
$0
Fees
no monthly service fee
Laurel Road Linked Checking℠
Annual Percentage Yield (APY)
0.01%
Minimum Deposit Amount
$0
Fees
no monthly service fee
Laurel Road Linked Checking℠
Laurel Road has one of the best high-yield savings accounts right now. It also might be a good fit if you want an online bank account that offers discounts for student loan refinancing. Just keep in mind that when you refinance student loans with a private lender, you lose any benefits or protections you may have had with federal student loans.
Details
Fees
no monthly service fee
Annual Percentage Yield (APY)
0.01%
Minimum Deposit Amount
$0
Laurel Road Loyalty Checking Account
Annual Percentage Yield (APY)
0.01%
Minimum Deposit Amount
$0
Fees
no monthly service fee
Laurel Road Loyalty Checking Account
Annual Percentage Yield (APY)
0.01%
Minimum Deposit Amount
$0
Fees
no monthly service fee
Laurel Road Loyalty Checking Account
Laurel Road has one of the best high-yield savings accounts right now. It also might be a good fit if you want an online bank account that offers discounts for student loan refinancing. Just keep in mind that when you refinance student loans with a private lender, you lose any benefits or protections you may have had with federal student loans.
Details
Fees
no monthly service fee
Annual Percentage Yield (APY)
0.01%
Minimum Deposit Amount
$0
Wells Fargo Everyday Checking Account
Annual Percentage Yield (APY)
None
Minimum Deposit Amount
$25
Fees
$10 monthly service fee
Wells Fargo Everyday Checking Account
Annual Percentage Yield (APY)
None
Minimum Deposit Amount
$25
Fees
$10 monthly service fee
Wells Fargo Everyday Checking Account
Wells Fargo is a solid choice if you’re looking for a brick-and-mortar bank with a national presence. It also offers some of the best checking and savings account bonuses out there for opening new accounts. But to earn high savings rates, you’ll want to look elsewhere.
Details
Fees
$10 monthly service fee
Annual Percentage Yield (APY)
None
Minimum Deposit Amount
$25
Axos Bank Rewards Checking
Annual Percentage Yield (APY)
up to 3.30%
Minimum Deposit Amount
$50
Fees
no monthly service fee
Axos Bank Rewards Checking
Annual Percentage Yield (APY)
up to 3.30%
Minimum Deposit Amount
$50
Fees
no monthly service fee
Axos Bank Rewards Checking
Axos has strong high-yield savings, checking, and money market accounts. if you’d like to avoid monthly service fees.
Details
Fees
no monthly service fee
Annual Percentage Yield (APY)
up to 3.30%
Minimum Deposit Amount
$50
SoFi Checking and Savings
Annual Percentage Yield (APY)
up to 4.50%
Minimum Deposit Amount
$0
Fees
no monthly service fee
SoFi Checking and Savings
Annual Percentage Yield (APY)
up to 4.50%
Minimum Deposit Amount
$0
Fees
no monthly service fee
SoFi Checking and Savings
SoFi Checking and Savings is a great account option if you don’t mind keeping your savings and checking in one account.
Details
Fees
no monthly service fee
Annual Percentage Yield (APY)
up to 4.50%
SoFi members with direct deposit can earn up to 4.50% annual percentage yield (APY) on savings balances (including Vaults) and 0.50% APY on checking balances. There is no minimum direct deposit amount required to qualify for the 4.50% APY for savings. Members without direct deposit will earn up to 1.20% annual percentage yield (APY) on savings balances (including Vaults) and 0.50% APY on checking balances. Interest rates are variable and subject to change at any time. These rates are current as of 8/2/2023. There is no minimum balance requirement. Additional information can be found at http://www.sofi.com/legal/banking-rate-sheet
Show more
Minimum Deposit Amount
$0
Ally Spending Account
Annual Percentage Yield (APY)
0.10% to 0.25%
Minimum Deposit Amount
$0
Fees
no monthly service fee
Ally Spending Account
Annual Percentage Yield (APY)
0.10% to 0.25%
Minimum Deposit Amount
$0
Fees
no monthly service fee
Ally Spending Account
Details
Fees
no monthly service fee
Annual Percentage Yield (APY)
0.10% to 0.25%
Minimum Deposit Amount
$0
Bank of America Business Fundamentals Checking
Annual Percentage Yield (APY)
None
Minimum Deposit Amount
$100
Fees
$16 monthly service fee
Bank of America Business Fundamentals Checking
Annual Percentage Yield (APY)
None
Minimum Deposit Amount
$100
Fees
$16 monthly service fee
Bank of America, FDIC Insured
Bank of America Business Fundamentals Checking
Bank of America is a worthwhile option if you want a bank with a large national presence that makes it relatively easy to waive monthly fees.
Details
Fees
$16 monthly service fee
Annual Percentage Yield (APY)
None
Minimum Deposit Amount
$100
PNC Business Checking
Annual Percentage Yield (APY)
N/A
Minimum Deposit Amount
$100
Fees
$12 monthly service fee
PNC Business Checking
Annual Percentage Yield (APY)
N/A
Minimum Deposit Amount
$100
Fees
$12 monthly service fee
PNC Business Checking
PNC Bank’s strongest products are its digital accounts, but your options will depend on where you live. The best online banks include features like high savings rates, early direct deposit, and no monthly fees.
Details
Fees
$12 monthly service fee
Annual Percentage Yield (APY)
N/A
Minimum Deposit Amount
$100
PNC Business Checking Plus
Annual Percentage Yield (APY)
N/A
Minimum Deposit Amount
$100
Fees
$22 monthly service fee
PNC Business Checking Plus
Annual Percentage Yield (APY)
N/A
Minimum Deposit Amount
$100
Fees
$22 monthly service fee
PNC Business Checking Plus
PNC Bank’s strongest products are its digital accounts, but your options will depend on where you live. The best online banks include features like high savings rates, early direct deposit, and no monthly fees
Details
Fees
$22 monthly service fee
Annual Percentage Yield (APY)
N/A
Minimum Deposit Amount
$100
Chase Total Checking®
Annual Percentage Yield (APY)
None
Minimum Deposit Amount
$0
Fees
$12 monthly service fee
Chase Total Checking®
Annual Percentage Yield (APY)
None
Minimum Deposit Amount
$0
Fees
$12 monthly service fee
Chase Total Checking®
There are several Chase checking accounts, and Chase Total Checking® is the bank’s most popular choice. It offers several ways to waive the monthly fee, and you may qualify for a $200 bank account bonus. But if you want perks like early direct deposit or waived out-of-network ATM fees, one of Chase’s other options could be a better fit.
Details
Fees
$12 monthly service fee
Annual Percentage Yield (APY)
None
Minimum Deposit Amount
$0
PNC Virtual Wallet Checking Pro
Annual Percentage Yield (APY)
4.50% on Virtual Wallet Checking Pro Growth account
Minimum Deposit Amount
$0
Fees
no monthly service fee
PNC Virtual Wallet Checking Pro
Annual Percentage Yield (APY)
4.50% on Virtual Wallet Checking Pro Growth account
Minimum Deposit Amount
$0
Fees
no monthly service fee
PNC Virtual Wallet Checking Pro
PNC Bank’s strongest products are its digital accounts, but your options will depend on where you live. The best online banks include features like high savings rates, early direct deposit, and no monthly fees.
Details
Fees
no monthly service fee
Annual Percentage Yield (APY)
4.50% on Virtual Wallet Checking Pro Growth account
Rates and APYs may vary in different PNC Bank markets and may change after account opening.
Show more
Minimum Deposit Amount
$0
TD Bank Convenience Checking Account
Annual Percentage Yield (APY)
None
Minimum Deposit Amount
$0
Fees
$15 monthly service fee
TD Bank Convenience Checking Account
Annual Percentage Yield (APY)
None
Minimum Deposit Amount
$0
Fees
$15 monthly service fee
TD Bank Convenience Checking Account
You might like one of TD Bank’s three primary checking accounts if you prefer banking face-to-face and live near a branch along the East Coast.
Details
Fees
$15 monthly service fee
Annual Percentage Yield (APY)
None
Minimum Deposit Amount
$0
M&T Bank EZChoice Checking
Annual Percentage Yield (APY)
None
Minimum Deposit Amount
$25
M&T Bank EZChoice Checking
Annual Percentage Yield (APY)
None
Minimum Deposit Amount
$25
On M&T Bank’s site. M&T Bank, FDIC Insured
M&T Bank EZChoice Checking
M&T Bank is a solid option if you live near a branch and prefer in-person banking to online banking. It also offers CDs with fixed and variable rates.
Details
Annual Percentage Yield (APY)
None
Minimum Deposit Amount
$25
M&T Bank MyChoice Plus Checking
Annual Percentage Yield (APY)
up to 0.01%
Minimum Deposit Amount
$25
Fees
$14.95 monthly service fee
M&T Bank MyChoice Plus Checking
Annual Percentage Yield (APY)
up to 0.01%
Minimum Deposit Amount
$25
Fees
$14.95 monthly service fee
M&T Bank MyChoice Plus Checking
M&T Bank is a solid option if you live near a branch and prefer in-person banking to online banking. It also offers CDs with fixed and variable rates.
Details
Fees
$14.95 monthly service fee
Annual Percentage Yield (APY)
up to 0.01%
Minimum Deposit Amount
$25
M&T Bank MyChoice Premium Checking
Annual Percentage Yield (APY)
N/A
Minimum Deposit Amount
$25
Fees
$24.95 monthly service fee
M&T Bank MyChoice Premium Checking
Annual Percentage Yield (APY)
N/A
Minimum Deposit Amount
$25
Fees
$24.95 monthly service fee
On M&T Bank’s site. M&T Bank, FDIC Insured
M&T Bank MyChoice Premium Checking
M&T Bank is a solid option if you live near a branch and prefer in-person banking to online banking. It also offers CDs with fixed and variable rates.
Details
Fees
$24.95 monthly service fee
Annual Percentage Yield (APY)
N/A
Minimum Deposit Amount
$25
Axos Bank Basic Business Checking Account
Annual Percentage Yield (APY)
N/A
Minimum Deposit Amount
$0
Fees
no monthly service fee
Axos Bank Basic Business Checking Account
Annual Percentage Yield (APY)
N/A
Minimum Deposit Amount
$0
Fees
no monthly service fee
Axos Bank Basic Business Checking Account
Axos is a good bank for businesses overall. The Axos Bank Basic Business Checking Account is probably its strongest product, with unlimited monthly transactions and unlimited ATM fee refunds. It’s one of the best free business checking accounts out there right now.
Details
Fees
no monthly service fee
Annual Percentage Yield (APY)
N/A
Minimum Deposit Amount
$0
Axos Business Interest Checking
Annual Percentage Yield (APY)
up to 1.01% (depending on balance)
Minimum Deposit Amount
$100
Fees
$10 monthly service fee
Axos Business Interest Checking
Annual Percentage Yield (APY)
up to 1.01% (depending on balance)
Minimum Deposit Amount
$100
Fees
$10 monthly service fee
Axos Business Interest Checking
Axos is a good bank for businesses overall. The Axos Bank Basic Business Checking Account is probably its strongest product, with unlimited monthly transactions and unlimited ATM fee refunds. It’s one of the best free business checking accounts out there right now.
Details
Fees
$10 monthly service fee
Annual Percentage Yield (APY)
up to 1.01% (depending on balance)
Minimum Deposit Amount
$100
Huntington Bank Business Checking 100
Annual Percentage Yield (APY)
None
Minimum Deposit Amount
None
Fees
no monthly service fee
Huntington Bank Business Checking 100
Annual Percentage Yield (APY)
None
Minimum Deposit Amount
None
Fees
no monthly service fee
Huntington Bank, FDIC Insured
Huntington Bank Business Checking 100
Huntington Bank is a good option if you live near a branch and prefer in-person banking.
Details
Fees
no monthly service fee
Annual Percentage Yield (APY)
None
Minimum Deposit Amount
None
Bank of America Advantage SafeBalance Banking® Account
Annual Percentage Yield (APY)
N/A
Minimum Deposit Amount
$25
Bank of America Advantage SafeBalance Banking® Account
Annual Percentage Yield (APY)
N/A
Minimum Deposit Amount
$25
On Bank of America’s website
Bank of America Advantage SafeBalance Banking® Account
Bank of America is a worthwhile option if you want a bank with a large national presence that makes it relatively easy to waive monthly fees. But you can find higher savings rates at the best online banks, and many don’t charge monthly fees at all.
Details
Annual Percentage Yield (APY)
N/A
Minimum Deposit Amount
$25
USAA Classic Checking
Annual Percentage Yield (APY)
0.01% on balances of $1,000 or more
Minimum Deposit Amount
$25
USAA Classic Checking
Annual Percentage Yield (APY)
0.01% on balances of $1,000 or more
Minimum Deposit Amount
$25
USAA Classic Checking
USAA is one of the best banks for the military. Most notably, it has a strong checking account with a large ATM network, and it will also reimburse up to $10 in monthly out-of-network ATM fees.
Details
Annual Percentage Yield (APY)
0.01% on balances of $1,000 or more
Minimum Deposit Amount
$25
Alliant High-Rate Savings Account
Annual Percentage Yield (APY)
3.10%
Minimum Deposit Amount
$30 online/phone and $5 through paper, banking, loan applications
Fees
no monthly service fee
Alliant High-Rate Savings Account
Annual Percentage Yield (APY)
3.10%
Minimum Deposit Amount
$30 online/phone and $5 through paper, banking, loan applications
Fees
no monthly service fee
Alliant Credit Union, NCUA insured.
Alliant High-Rate Savings Account
Alliant is one of the best credit unions out there, especially if you want to earn high interest rates on savings, checking, and certificates.
Details
Fees
no monthly service fee
Annual Percentage Yield (APY)
3.10%
Minimum Deposit Amount
$30 online/phone and $5 through paper, banking, loan applications
Chase Secure Banking℠
Annual Percentage Yield (APY)
None
Minimum Deposit Amount
$0
Fees
$4.95 monthly service fee
Chase Secure Banking℠
Annual Percentage Yield (APY)
None
Minimum Deposit Amount
$0
Fees
$4.95 monthly service fee
Chase Secure Banking℠
Chase is one of the best national banks out there. It has several types of checking accounts, but Chase Secure Banking℠ is the only one that offers early direct deposit so you can receive paychecks up to two days early. But if early direct deposit doesn’t matter to you, you may be more interested in another Chase checking account — one that lets you waive the monthly fee or enroll in overdraft protection.
Details
Fees
$4.95 monthly service fee
Annual Percentage Yield (APY)
None
Minimum Deposit Amount
$0
Chase College Checking℠
Annual Percentage Yield (APY)
None
Minimum Deposit Amount
$0
Fees
$6 monthly service fee
Chase College Checking℠
Annual Percentage Yield (APY)
None
Minimum Deposit Amount
$0
Fees
$6 monthly service fee
Chase College Checking℠
Chase is one of the best national banks out there, and it offers multiple checking accounts. Your best fit could come down to what perks you want and whether you can waive the monthly fee. Chase is a good option if you’re looking for a cash bonus — several of its checking accounts are featured in our best bank account bonuses guide.
Details
Fees
$6 monthly service fee
Annual Percentage Yield (APY)
None
Minimum Deposit Amount
$0
American Express Business Checking
Annual Percentage Yield (APY)
1.30% APY on the first $500,000 in your account
Minimum Deposit Amount
$0
Fees
no monthly service fee
American Express Business Checking
Annual Percentage Yield (APY)
1.30% APY on the first $500,000 in your account
Minimum Deposit Amount
$0
Fees
no monthly service fee
American Express, FDIC Insured
American Express Business Checking
American Express National Bank (Member FDIC) offers competitive interest rates on its bank accounts.
Details
Fees
no monthly service fee
Annual Percentage Yield (APY)
1.30% APY on the first $500,000 in your account
Minimum Deposit Amount
$0
Bask Bank Mileage Savings Account
Annual Percentage Yield (APY)
None
Minimum Deposit Amount
$0
Fees
no monthly service fee
Bask Bank Mileage Savings Account
Annual Percentage Yield (APY)
None
Minimum Deposit Amount
$0
Fees
no monthly service fee
Bask Bank Mileage Savings Account
The Bask Bank Interest Savings Account and Bask Bank CD are excellent options if you’d like to earn a high interest rate. The Bask Bank Mileage Savings Account may be a great choice if you frequently use American Airlines for travel. Bask Bank doesn’t offer a checking account, though.
Details
Fees
no monthly service fee
Annual Percentage Yield (APY)
None
Minimum Deposit Amount
$0
Best Checking Account Bonuses and Promotional Offers
- Chase Private Client Checking℠: Earn up to a $3,000 bonus when you open a new Chase Private Client Checking℠ account with qualifying activities
- Citigold® Checking Account: Earn up to $2,000 cash bonus when you maintain a minimum eligible balance and complete required activities
- Citi Priority: Earn up to $2,000 cash bonus when you maintain a minimum eligible balance and complete required activities
- Huntington Bank Platinum Perks Checking: Earn a $600 cash bonus for eligible new customers who open a new, qualifying Huntington Platinum Perks Checking account by Oct. 7, 2023 with qualifying activities
- BMO Harris Premier Account: Earn a $500 cash bonus when you have a total of at least $7,500 in qualifying direct deposits within the first 90 days
- U.S. Bank Smartly® Checking: Earn up to $500 when you open a new U.S. Bank Smartly® Checking account online and complete qualifying activities
- Huntington Bank Perks Checking: Earn a $400 cash bonus for eligible new customers who open a new, qualifying Huntington Bank Perks Checking account by Oct. 7, 2023 with qualifying activities
- PNC Bank Virtual Wallet®: Earn $100 when you open Virtual Wallet and establish total qualifying direct deposits of at least $500 in the first 60 days, $200 when you open Virtual Wallet with Performance Spend and establish total qualifying direct deposits of at least $2,000 in the first 60 days, or $400 when you open Virtual Wallet with Performance Select and establish total qualifying direct deposits of at least $5,000 in the first 60 days (offer ends 08/31/2023)
- Capital One 360 Checking®: Earn a $350 bonus after opening a new account by 10/18/2023 using the promo code BONUS350 and completing two direct deposits each worth $250 or more within 75 days of account opening
- First National Bank Freestyle Checking Account: Earn $350 when you open a new checking account through August 31,2023 and complete qualifying activities
- BMO Harris Smart Advantage Checking Account and BMO Harris Smart Money: Earn a $300 cash bonus when you have a total of at least $4,000 in qualifying direct deposits within the first 90 days
- TD Bank Beyond Checking Account: Earn $300 when you have $2,500 in qualifying direct deposits within 60 days
- Laurel Road Linked Checking℠ and Laurel Road Loyalty Checking Account: Earn a $300 bonus after making a qualifying direct deposit of $2,500 or more within 60 days of opening your account
- Wells Fargo Everyday Checking Account: Earn a $300 bonus with a minimum opening deposit of $25 and receive a total of $1,000 or more in qualifying direct deposits to your new checking account within 90 calendar days of account opening (offer ends Sept 26, 2023)
- Axos Bank Rewards Checking: Earn up to $300 welcome bonus when you use the promo code SUNNYBONUS to apply for a Rewards Checking account and have qualifying direct deposit(s) by 12/31/23
- SoFi Checking and Savings: Earn up to $250 with qualifying direct deposit for eligible customers (through 12/31/2023)
- Ally Spending Account: Earn $200 bonus after using code “GET200” and making a direct deposit of $1,500 or more within 90 days (offer ends 11/30/2023)
- Chase Total Checking®: Earn a $200 bonus when you open an account using a coupon code and set up direct deposit within 90 days of coupon enrollment (offer expires on 10/18/2023)
- PNC Virtual Wallet Checking Pro: Earn a $200 bonus when you open a new account by 8/31/2023 and make total qualifying direct deposits of $2,000 or more within the first 60 days
- TD Bank Convenience Checking Account: Earn $200 when you have $500 in qualifying direct deposits within 60 days
- M&T Bank EZChoice Checking, M&T Bank MyChoice Plus Checking, and M&T Bank MyChoice Premium Checking: Earn a $200 bonus when you make qualifying direct deposits totaling at least $500 within 90 days of account opening
- Bank of America Advantage SafeBalance Banking® Account: Earn a $100 bonus for eligible new customers who open a Bank of America Advantage SafeBalance Banking® account with qualifying activities
- USAA Classic Checking: Earn a $100 bonus when you open your first USAA Classic Checking account and receive a qualifying military pay direct deposit of $100 or more within the first 180 days from account opening (offer ends 10/10/23)
- Chase Secure Banking℠: Earn $100 when you open a Chase Secure Banking account with qualifying transactions
- Chase College Checking℠: Earn $100 as a new Chase checking customer when you open a Chase College Checking℠ account and complete 10 qualifying transactions within 60 days of coupon enrollment
Best Savings Account Bonuses and Promotional Offers
- U.S. Bank Standard Savings Account: Earn up to $400 when you open a new U.S. Bank Standard Savings Account online and complete qualifying activities (Note: If you open Standard Savings and Smartly Checking at the same time, you’ll earn bonuses for each plus an additional $100, for up to $1,000 total)
- Alliant High-Rate Savings Account: Earn a $100 bonus when you deposit at least $100 a month for 12 consecutive months
- Bask Bank Mileage Savings Account: Earn up to 20,000 bonus AAdvantage® miles to new and existing Bask Mileage Savings Account customers who make new deposits of at least $10,000
Best Business Account Bonuses and Promotions
- Huntington Bank Unlimited Plus Business Checking: Earn a $1,000 cash bonus after making a deposit of at least $20,000 within 30 days of account opening and maintain minimum daily balance of $20,000 for 60 days after meeting deposit requirement (offer ends 9/7/23)
- U.S. Bank Silver Business Checking Package: Earn up to $750 bonus when you open a new, eligible U.S. Bank business checking account online with promo code AFL23 and complete qualifying activities
- PNC Treasury Enterprise Plan and PNC Analysis Business Checking: Earn $500 when you open an account by 09/30/23 and maintain a combined monthly collected balance of $30,000 for each of the first three statement cycles
- Huntington Bank Unlimited Business Checking: Earn a $400 cash bonus after making a deposit of at least $5,000 within 60 days of account opening (offer ends 9/7/23)
- Chase Business Complete Checking: Earn a $300 bonus after completing qualifying activities including total deposits of at least $2,000
- Nationwide Business Premium Savings: Earn up to $300 welcome bonus with promo code NEWBPS for business owners
- Bank of America Business Fundamentals Checking: Earn a $200 cash bonus when you deposit $5,000 or more in new money within 30 days and maintain an average of $5,000 for the next 60 days (offer ends December 31, 2023)
- PNC Business Checking and PNC Business Checking Plus: Earn a $200 reward when you open a new account, maintain a $5,000 average ledger balance for the first three statement cycles, and make at least 20 qualifying transactions with your PNC Visa Business Credit Card in the first three statement cycles (offer ends 9/30/2023)
- Axos Bank Basic Business Checking Account and Axos Business Interest Checking: Earn up to $200 welcome bonus with promo code NEWSBC for qualifying business owners
- Huntington Bank Business Checking 100: Earn a $100 cash bonus after making a deposit of at least $2,000 within 60 days of account opening (offer ends 9/7/23)
- American Express Business Checking: Earn 30,000 Membership Rewards® points after qualifying activities
Why You Should Trust Us: Experts’ Advice on the Best Bank Account Bonuses
Chay Thawaranont/Insider
We consulted banking and financial planning experts to inform these picks and provide their advice on finding the best bank account bonus for your needs.
Here’s what they had to say about bank account bonuses. (Some text may be lightly edited for clarity.)
What should I look for in a checking account bonus?
Mykail James, MBA, certified financial education instructor, BoujieBudgets.com:
“If you are using this bank as your main spending account, then you know that you will have less conflict with depositing money in there. It may be beneficial to look at specific things that are getting bonuses, specifically direct deposit.”
Sophia Acevedo, certified educator in personal finance, banking reporter, Personal Finance Insider:
“I would consider how much money is needed to obtain the bonus. Some banks may have several bonuses available, where you’ll earn bigger bonuses for a higher account balance or direct deposit. See if a particular bonus is right for you and you’re not going out of your way to qualify for it.”
What should I look for in a savings account bonus?
Mykail James, MBA, CFEI:
“If it’s a savings account, and you know that you have a lump sum of money that you want to put into a bank that has maybe a better rate, look at what the benefit is for putting a larger sum of money into that bank account.”
Sophia Acevedo, CEPF:
“I would still pay attention to other factors that I would consider when opening a savings account, like monthly service fees or minimum balance requirements. You’ll want to look at more than just the bonus.”
Bank Account Bonuses: Frequently Asked Questions
Depending on your balance, a cash bonus could potentially allow you to earn more money than a high interest rate would. However, be mindful of common bank fees like monthly service fees or overdraft fees. Otherwise, these fees may cancel out the amount you earn as a bonus. If this is the case, you might prioritize opening one of the best high-yield savings accounts with no monthly fees instead.
Banks have bank account bonuses to draw in new customers. Bonuses also help create a distinction between competing banks that may offer similar interest rates, monthly fees, or opening deposit requirements.
You usually can’t receive more than one bank account bonus with the same bank within a certain amount of time. The bank account cash bonus disclosure will usually specify how long the time frame will be, but usually, it’s between a few months to a couple of years. However, if you have the funds, you may be able to receive one bank account bonus from multiple banks.
Yes, you do have to pay taxes on your bonus. When you file taxes for the year, you’ll report the sign-up bonus as income and pay income tax.
How to Qualify for the Best Bank Account Bonuses
Chase Private Client Checking℠
Bonus amount: $1,000 to $3,000
Expiration date: October 18, 2023
Who qualifies: Both new and existing Chase Private Client customers are eligible. Eligible accounts are Chase personal checking and savings accounts, and J.P. Morgan Wealth Management non-retirement accounts.
What you need to do:
- If you’re a new client, visit the Chase bonus page and enter your email address to receive your promo code; then meet with a Private Client Banker to upgrade or open your account
- Transfer at least $150,000 of qualifying new money or securities into a combination of eligible accounts within the first 45 days
- To earn a $1,000 bonus, transfer $150,000 to $249,999
- To earn a $2,000 bonus, transfer $250,000 to $499,999
- To earn a $3,000 bonus, transfer $500,000 or more
- Maintain your new money balance for at least 90 days from opening the account
When you’ll receive the money: The money will show up in your account within 40 days of your completing the requirements.
Citigold® Checking Account
Bonus amount: Up to $2,000
Expiration date: January 9, 2024
Who qualifies: You qualify as long as you haven’t had a Citi® checking account in the last 180 days and you’re 18 years old.
What you need to do:
- Open an eligible account by January 9, 2024
- To earn $200, you’ll need to have a minimum deposit and minimum balance of $10,000 to $29,999 within 20 days of your account opening
- To earn $500, you’ll need to have a minimum deposit and minimum balance of $30,000 to $74,999 within 20 days of your account opening
- To earn $1,000, you’ll need to have a minimum deposit and minimum balance of $75,000 to $199,999 within 20 days of your account opening
- To earn $1,500, you’ll need to have a minimum deposit and minimum balance of $200,000 to $299,999 within 20 days of your account opening
- To earn $2,000, you’ll need to have a minimum deposit and minimum balance of $300,000 and above within 20 days of your account opening
- Maintain your balance for 60 consecutive calendar days after the 21st day from account opening
- If your balance falls to a lower tier at any point during the maintenance period, the bonus changes
When you’ll receive the money: The bonus will be paid within 30 days after you successfully complete all required activities.
Citi Priority
Bonus amount: Up to $2,000
Expiration date: January 9, 2024
Who qualifies: You qualify as long as you haven’t had a Citi checking account in the last 180 days and you’re 18 years old.
What you need to do:
- Open an eligible account by January 9, 2024
- To earn $200, you’ll need to have a minimum deposit and minimum balance of $10,000 to $29,999 within 20 days of your account opening
- To earn $500, you’ll need to have a minimum deposit and minimum balance of $30,000 to $74,999 within 20 days of your account opening
- To earn $1,000, you’ll need to have a minimum deposit and minimum balance of $75,000 to $199,999 within 20 days of your account opening
- To earn $1,500, you’ll need to have a minimum deposit and minimum balance of $200,000 to $299,999 within 20 days of your account opening
- To earn $2,000, you’ll need to have a minimum deposit and minimum balance of $300,000 and above within 20 days of your account opening
- Maintain your balance for 60 consecutive calendar days after the 21st day from account opening
- If your balance falls to a lower tier at any point during the maintenance period, the bonus changes
When you’ll receive the money: The bonus will be paid within 30 days after you successfully complete all required activities.
Huntington Bank Unlimited Plus Business Checking
Bonus amount: $1,000
Expiration date: September 7, 2023
Who qualifies: You must be a new business checking customer residing in Colorado, Illinois, Indiana, Kentucky, Michigan, Minnesota, Ohio, Pennsylvania, South Dakota, West Virginia, or Wisconsin. You aren’t eligible if you’re an existing Huntington business customer or have closed a Huntington business account in the last six months.
What you need to do:
- Open an eligible account by September 7, 2023, on the promotional page
- Deposit at least $20,000 of new money in the first 30 days
- Maintain a $20,000 balance for 60 days after depositing the initial cumulative amount
- Keep the account open for at least 90 days
When you’ll receive the money: You should get the money within 14 days of meeting the requirements.
U.S. Bank Silver Business Checking Package
Bonus amount: $500 to $750
Expiration date: August 31, 2023
Who qualifies: You and any signer on the account must be new U.S. Bank business banking customers, and you cannot have closed a business account in the last 24 months.
What you need to do:
- Open an eligible account by August 31, 2023, using the promo code AFL23
- To earn a $500 bonus, deposit at least $5,000 of new money into the account within 30 days of opening your account
- To earn a $750 bonus, deposit at least $15,000 of new money into the account within 30 days of opening your account
- Maintain your balance for 60 days after opening the account
- Enroll in either U.S. Bank Online Banking or the U.S. Bank Mobile app within 60 days of opening the account
When you’ll receive the money: You’ll get the money within 45 days of U.S. Bank verifying that you’ve met the qualifications.
Huntington Bank Platinum Perks Checking
Bonus amount: $600
Expiration date: October 7, 2023
Who qualifies: You must open a new Huntington Bank customer to qualify.
What you need to do:
- Open a new account by October 7, 2023
- Deposit at least $25,000 within 60 days of opening your account and maintain a $25,000 account balance for 90 days
When you’ll receive the money: The money will be deposited into your checking account within 14 days after you meet the requirements.
PNC Treasury Enterprise Plan and PNC Analysis Business Checking
Bonus amount: $500
Expiration date: September 30, 2023
Who qualifies: All signers on the account must be new PNC business checking customers. No signers can have closed a PNC business checking account in the last 90 days or received a PNC promotional bonus in the last 12 months. You’re only eligible for the bonus if your annual business revenue is under $5 million. Your checking account statement cycle must be monthly, so you can’t receive statements daily, weekly, or quarterly. Even if you open multiple PNC business checking accounts, you’re only eligible for one bonus.
What you need to do:
- Open an eligible account by September 30, 2023, by requesting a coupon online
- Maintain a $30,000 average ledger balance for the first three statement cycles
When you’ll receive the money: The $500 will be deposited into your account within 90 days of your meeting the requirements.
BMO Harris Premier Account
Bonus amount: $500
Expiration date: September 15, 2023
Who qualifies: You’re not eligible if you’re already a BMO Harris personal checking customer or if you’ve closed a personal BMO checking account in the last 12 months.
What you need to do:
- Open an eligible account by September 15, 2023; open at a branch, over the phone, or online via the digital offer page; if you want to open an account in person or over the phone, visit the offer page to enter your email address for the promo code
- Receive at least $7,500 in direct deposits in the first 90 days
When you’ll receive the money: You’ll get the $500 bonus roughly 100 days after opening the account.
U.S. Bank Smartly® Checking
Bonus amount: up to $500
Expiration date: September 6, 2023
Who qualifies: You must open a new U.S. Bank Smartly Checking account online. You won’t be eligible if you currently have a U.S. Bank checking account, owned a U.S. Bank checking account in the last six months, or you received a bonus from a U.S. Bank checking account in the last two years. You’re eligible if you live in 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, or WY.
What you need to do:
- Open a new account by September 6, with a minimum opening deposit of $25 and using the promotional page; if you open it anywhere other than the promotional page, use the code 2023JUL.
- Enroll in online banking or the U.S. Bank mobile app within the first 90 days of getting the account
- Make two or more direct deposits totaling $5,000 to $9,999.99 to earn $300, or $10,000 or more to earn $500
When you’ll receive the money: The money will be deposited into your checking account within 60 days of meeting the requirements.
U.S. Bank Standard Savings Account
Bonus amount: up to $400 (Note: If you open Smartly Checking and Standard Savings at the same time, you’ll earn an additional $100 to earn up to $1,000 total)
Expiration date: September 6, 2023
Who qualifies: You must open a new U.S. Bank Standard Savings account online. You won’t be eligible if you currently have a U.S. Bank savings or money market account, owned a U.S. Bank savings or money market account in the last six months, or you received a bonus from a U.S. Bank savings or money market account in the last two years. You’re eligible if you live in 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, or WY.
What you need to do:
- Open a new account by September 6, with a minimum opening deposit of $25 and using the promotional page; if you open it anywhere other than the promotional page, use the code 2023JUL.
- Make new money deposit(s) totaling $25,000 to $49,999.99 to earn $200, or $50,000 or more to earn $400 by September 30, 2023
- Maintain that balance until March 31, 2024
When you’ll receive the money: The money will be deposited into your account within 30 days of verifying your savings balance.
Huntington Bank Perks Checking
Bonus amount: $400
Expiration date: October 7, 2023
Who qualifies: You must open a new Huntington Bank customer to qualify.
What you need to do:
- Open a new account by October 7, 2023
- Make a qualifying direct deposit within 60 days of opening your account and maintain a $1,000 account balance for 90 days
When you’ll receive the money: The money will be deposited into your checking account within 14 days after you meet the requirements.
Huntington Bank Unlimited Business Checking
Bonus amount: $400
Expiration date: September 7, 2023
Who qualifies: You must be a new business checking customer residing in Colorado, Illinois, Indiana, Kentucky, Michigan, Minnesota, Ohio, Pennsylvania, South Dakota, West Virginia, or Wisconsin. You aren’t eligible if you’re an existing Huntington business customer, or have closed a Huntington business account in the last six months.
What you need to do:
- Open a new account by September 7, 2023, using the promotional page
- Deposit at least $5,000 of new money in the first 60 days
- Keep the account open for at least 90 days
When you’ll receive the money: You should get the money within 14 days of meeting the requirements.
PNC Bank Virtual Wallet®
Bonus amount: $100 to $400
Expiration date: August 31, 2023
Who qualifies: This offer is only available in markets where there are PNC branches. You and any signer on the account must be a new PNC checking customer. You aren’t eligible if you’ve closed a PNC checking account in the last 90 days or received a PNC promotional offer in the last 24 months.
What you need to do:
- By August 31, 2023, open a PNC Bank Virtual Wallet to earn a $100 bonus, PNC Virtual Wallet with Performance Spend to earn $200, and PNC Virtual Wallet with Performance Select to earn $400; you must apply online to qualify
- Receive a qualifying direct deposit within the first 60 days
When you’ll receive the money: The money will be deposited into your account 60 to 90 days after you meet the requirements.
Capital One 360 Checking®
Bonus amount: $350 bonus
Expiration date: October 18, 2023
Who qualifies: You aren’t eligible if you already have a 360 Checking, Total Control Checking, Simply Checking, or Money Teen Checking account, either as a primary or secondary holder. You also cannot have had one of these accounts on or after January 1, 2021.
What you need to do:
- Open an account online with the promo code BONUS350 by October 18
- Complete two direct deposits (each must be for $250 or more) within 75 days of opening the account
When you’ll receive the money: The money will be deposited into your account within 60 days after you complete the requirements.
First National Bank Freestyle Checking Account
Bonus amount: $350
Expiration date: August 31, 2023
Who qualifies: You must be a new customer who is a resident of Maryland, Ohio, Pennsylvania, North Carolina, South Carolina, Virginia, West Virginia, or Washington, DC.
What you need to do:
- Open a new personal checking account (Freestyle, eStyle, eStyle Plus, Lifestyle, and Premierstyle are all eligible accounts) online through the promotional page
- Receive direct deposits totaling $2,500 or more in the first 90 days of opening an account
- Make 15 debit card transactions in the first 90 days of opening an account
When you’ll receive the money: The money will be deposited into your account within 15 days after the 90-day period.
Chase Business Complete Checking
Bonus amount: $300
Expiration date: October 19, 2023
Who qualifies: You’re not eligible if you’re already a signer on a Chase business checking account, government agencies or entities (local, state, or federal), not for profit organizations, political action committees, or a campaign account. You cannot have closed a Chase account in the last 90 days, or have closed a Chase account with a negative balance within the last three years. You won’t qualify if you’ve received another Chase sign-up bonus in the last two years.
What you need to do:
- Open an eligible account by October 19, 2023; visit the Chase business checking offer page to enter your email address and receive an email with the promo code
- Deposit at least $2,000 of new money within 30 days of opening the account
- Maintain your new money balance in the account for at least 60 days after opening the account
- Complete five qualifying transactions within the first 90 days
When you’ll receive the money: Chase will deposit the money into your account within 15 days of your completing the requirements.
BMO Harris Smart Advantage Checking Account and BMO Harris Smart Money
Bonus amount: $300
Expiration date: September 15, 2023
Who qualifies: You’re not eligible if you’re already a BMO Harris personal checking customer or if you’ve closed a personal BMO checking account in the last 12 months.
What you need to do:
- Open an elgible account by September 15, 2023, submitted and approved by 9:00 p.m. CT; open at a branch, over the phone, or online via the digital offer page; if you want to open an account in person or over the phone, visit this page to enter your email address for the promo code
- Receive at least $4,000 in direct deposits in the first 90 days
When you’ll receive the money: You’ll get the $300 bonus roughly 100 days after opening the account.
Nationwide Business Premium Savings
Bonus amount: up to $300
Expiration date: August 31, 2023
Who qualifies: If you have been a primary owner of an Axos Bank or Axos Bank for Nationwide account in the last 12 months, you are not eligible for the bonus. You can only earn one business premium savings account bonus per year.
What you need to do:
- Open an eligible account using the code “NEWBPS”
- Fund the account within 60 days of opening it
- Earn $50 for each statement cycle during which you maintain an average daily balance between $20,000 and 49,999.99 or earn $100 for each statement cycle during which you maintain an average daily balance of $50,000 or greater (a maximum of three payouts can be earned during your first four statement cycles)
When you’ll receive the money: The bonus will be deposited into your account within 10 business days following the end of the statement cycle in which the balance requirement was met. Your account must be open and in good standing at the time the bonus is paid to be eligible to receive the bonus and your Small Business Checking account must remain open for 120 days or an early closure fee of up to $300 may apply.
TD Bank Beyond Checking Account
Bonus amount: $300
Expiration date: August 31, 2023
Who qualifies: You must be a new TD Bank customer to qualify.
What you need to do:
- Open a new account
- Receive at least $2,500 in qualifying direct deposits within 60 days of opening the account
- Keep your account open for at least 6 months
When you’ll receive the money: The money will be deposited into your account around 180 days after opening the account.
Laurel Road Linked Checking℠ and Laurel Road Loyalty Checking Account
Bonus amount: $300
Expiration date: January 8, 2024
What you need to do:
- Open an eligible account by January 8, 2024; because Linked Checking is tied to your refinanced student loans, you’ll need to open this account at the same time as refinancing your student loan with Laurel Road
- Make qualifying direct deposits of $2,500 or more in the first 60 days
When you’ll receive the money: The $300 should hit your account within 60 days of your meeting the requirements. Note: You can only earn a bonus with one Laurel Road account, not both.
Wells Fargo Everyday Checking Account
Bonus amount: $300
Expiration date: September 26, 2023
Who qualifies: You must be a new Wells Fargo checking account customer. You aren’t eligible if you’ve received a Wells Fargo checking bonus in the last 12 months, and you can’t be a Wells Fargo employee.
What you need to do:
- Open an eligible account by September 26, 2023
- To open online, visit the bonus page; to open the account in a branch, enter your email address on the bonus page and Wells Fargo will email you a promo code to give at the branch.
- Receive at least $1,000 in direct deposits in the account within 90 days of opening it
When you’ll receive the money: After the initial 90-day period ends, the money will appear in your account within 30 days.
Axos Bank Rewards Checking
Bonus amount: $300
Expiration date: December 31, 2023
Who qualifies: You must open an eligible account.
What you need to do:
- Open an Axos Bank Rewards Checking Account by December 31, 2023, using the promo code “SUNNYBONUS”
- Receive at least $7,000 in direct deposits in each calendar month during the first seven calendar months your account is open (including the month when you opened the account)
- Maintain a minimum average daily balance of $15,000 or more from September 2023, through March 2024, during the seven statement cycles
- A maximum of six payouts of $50 for each calendar month that the account is receiving the direct deposit
When you’ll receive the money: The money will be deposited into your checking account within 10 business days following the end of the statement cycle in which the direct deposit requirement was met. You must keep your account open for at least 210 days or you’ll have to pay an early closure fee of up to $300.
SoFi Checking and Savings
Bonus amount: up to $250 with qualifying direct deposit for eligible customers (through 12/31/2023)
Expiration date: December 31, 2023
Who qualifies: If you’re a new customer, set up an account and enroll in direct deposit. You’re also eligible as an existing customer if you haven’t already set up direct deposit.
What you need to do:
- Once you’ve opened your account, enroll in direct deposit
- Receive qualifying direct deposits within the 25-day evaluation period
- If direct deposits equal $1,000 to $4,999.99, you’ll receive a $50 bonus
- If direct deposits come $5,000 or more during the evaluation period, you’ll receive a $250 bonus
- Keep in mind, the 25-day evaluation period won’t go beyond the promotion period expiration date
When you’ll receive the money: The bonus will show up in your account within seven business days after the 25-day evaluation period ends.
Ally Spending Account
Bonus amount: $200
Expiration date: November, 30, 2023
Who qualifies: You must be a new customer. Ally defines a new customer as someone who doesn’t currently have an Ally Spending Account or someone who hasn’t owned the account in the last 12 months. You also won’t be eligible for this cash bonus if you’ve received another cash bonus from Ally in the last year that involves a qualifying direct deposit.
What you need to do:
- Open an Ally Spending Account online using the bonus code and deposit any amount in the first 30 days
- Set up a qualifying direct deposit and receive payments totaling $1,500 or more within the first 90 days
- Keep your account open and maintain good standing 30 days after you’ve received the qualifying direct deposit
When you’ll receive the money: You should see the money in your account within 30 days after you’ve received the qualifying direct deposit.
Bank of America Business Fundamentals Checking
Bonus amount: $200
Expiration date: December 31, 2023
Who qualifies: You must be a new Bank of America business banking customer. You cannot have been an owner or signer on a Business Advantage Checking Account in the last 12 months. Bank of America employees don’t qualify.
What you need to do:
- Open an eligible account by December 31, 2023
- You must open an account online; visit the business checking offer page to get started
- Deposit at least $5,000 of qualifying new money into your account within 30 days of opening the account
- Maintain an average balance of at least $5,000 for the next 60 days, or days 31 through 90
When you’ll receive the money: You should see the money in your account within 60 days after the 90-day maintenance period. The Bank of America website states that if they can’t deposit the money directly into your account, you will receive a check.
PNC Business Checking and PNC Business Checking Plus
Bonus amount: $200
Expiration date: September 30, 2023
Who qualifies: All signers on the account must be new PNC business checking customers. No signers can have closed a PNC business checking account in the last 90 days or received a PNC promotional bonus in the last 12 months. You’re only eligible for the bonus if your annual business revenue is under $5 million. Your checking account statement cycle must be monthly, so you can’t receive statements daily, weekly, or quarterly. Even if you open multiple PNC business checking accounts, you’re only eligible for one bonus.
What you need to do:
- Open an eligible account by September 30, 2023, by requesting a coupon online
- Maintain a $5,000 average ledger balance for the first three statement cycles
- Make 20 qualifying transactions with your PNC Visa Business Credit Card in the first three statement cycles
When you’ll receive the money: The $200 should hit your account within 90 days of your meeting the requirements.
Chase Total Checking®
Bonus amount: $200
Expiration date: October 18, 2023
Who qualifies: New personal checking account customers.
What you need to do:
- Open an eligible account with a coupon code
- Set up direct deposit within 90 days after enrolling
When you’ll receive the money: You’ll receive the $200 within 15 days.
PNC Virtual Wallet Checking Pro
Bonus amount: $200
Expiration date: August 31, 2023
Who qualifies: Virtual Wallet Checking Pro is only available in markets where there are not PNC branches. You and any signer on the account must be a new PNC checking customer. You aren’t eligible if you’ve closed a PNC checking account in the last 90 days or received a PNC promotion offer in the last 24 months.
What you need to do:
- Open a new SC account by August 31, 2023, by applying online
- Receive a qualifying direct deposit within the first 60 days
When you’ll receive the money: The money will be deposited into your account 60 to 90 days after you meet the requirements.
TD Bank Convenience Checking Account
Bonus amount: $200
Expiration date: August 31, 2023
Who qualifies: You must be a new TD Bank customer to qualify.
What you need to do:
- Open an eligible account
- Receive at least $500 in qualifying direct deposits within 60 days of opening the account
- Keep your account open for at least 6 months
When you’ll receive the money: The money will be deposited into your account around 180 days after opening the account.
M&T Bank EZChoice Checking, M&T Bank MyChoice Plus Checking, and M&T Bank MyChoice Premium Checking
Bonus amount: $200
Expiration date: October 31, 2023
Who qualifies: You don’t qualify if you’re already a personal M&T checking account customer, you’ve closed an M&T account in the last 180 days, you’ve received an M&T checking bonus in the last 12 months (unless it was from the Refer Friends Program), or are an employee of M&T or its affiliates.
What you need to do:
- Open an eligible account by October 31, 2023, either online or in a branch, and request a promo code
- Make at least $500 in qualifying direct deposits (including payroll, pension, or Social Security) in the first 90 days
When you’ll receive the money: The $200 will show up in your account within 90 days of completing the requirements.
Axos Bank Basic Business Checking Account and Axos Business Interest Checking
Bonus amount: up to $200
Expiration date: August 31, 2023
Who qualifies: You can only earn one checking account promotion per year. If you have had primary ownership of an Axos Bank or Axos Bank for Nationwide account in the last 12 months, you are not eligible for this bonus.
What you need to do:
- Use promo code “NEWBPS” when opening an account
- Fund your account within 60 days of opening it
- A $25 will be earned for each statement cycle during which the average daily balance is between $5,000 and $9,999.99; $50 will be earned for each statement cycle during which the average daily balance is a minimum of $10,000 or greater ; a maximum of four payouts can be earned during the five statement cycles
When you’ll receive the money: The bonus will be deposited into your account within 10 business days following the end of the statement cycle in which the balance requirement was met. Your account must be open and in good standing at the time the bonus is paid to be eligible to receive the bonus and your Small Business Checking account must remain open for 120 days or an early closure fee of up to $200 may apply. Note: You can only earn one business account bonus with Axos, not both.
Huntington Bank Business Checking 100
Bonus amount: $100
Expiration date: September 7, 2023
Who qualifies: You must be a new business checking customer residing in Colorado, Illinois, Indiana, Kentucky, Michigan, Minnesota, Ohio, Pennsylvania, South Dakota, West Virginia, or Wisconsin. You aren’t eligible if you’re an existing Huntington business customer, or have closed a Huntington business account in the last six months.
What you need to do:
- Open an eligible account by September 7, 2023, on the promotional page
- Deposit at least $2,000 of new money in the first 60 days
- Keep the account open for at least 90 days
When you’ll receive the money: You should get the money within 14 days of meeting the requirements.
Bank of America Advantage SafeBalance Banking® Account
Bonus amount: $100
Expiration date: August 31, 2023
Who qualifies: It is easy to qualify for and available in 37 US states. To qualify, you be a new Bank of America personal checking account customer.
What you need to do:
- Open a Bank of America Advantage SafeBalance, Plus, or Relationship Banking Checking Account through the bank’s promotional page by August 31, 2023
- Receive at least $1,000 in direct deposits within 90 days of opening the account
When you’ll receive the money: The money will be deposited into your account around 60 days after finishing the requirements.
USAA Classic Checking
Bonus amount: $100
Expiration date: October 10, 2023
Who qualifies: You’re not eligible if you (as the primary account holder) have or had a USAA checking account in the last 12 months. The account also isn’t eligible for the bonus if it’s titled as an estate, trust account, UTMA, or other fiduciary account. Your account must remain in good standing to get the bonus.
What you need to do:
- Open a new account by October 10, 2023
- Receive a qualifying direct deposit of at least $100 in the first 180 days (if you’re a civilian working for the Defense Finance Account Service, this direct deposit would not count)
When you’ll receive the money: The $100 should show up in your account within 60 days of USAA processing your first direct deposit.
Alliant High-Rate Savings Account
Bonus amount: $100
Expiration date: December 31, 2023
Who qualifies: You must be a new Alliant Credit Union member. You also cannot have closed an Alliant savings account within the last 180 days.
What you need to do:
- Open an account on the Ultimate Opportunity Savings promotion page by December 31, 2023
- Deposit a minimum of $100 per month into the account for 12 consecutive months
- Maintain a minimum average daily balance of $100 throughout the 12 months
- Have a balance of at least $1,200 at the end of the 12-month period
When you’ll receive the money: The $100 will show up in your account within four weeks after the 12-month period.
Chase Secure Banking℠
Bonus amount: $100
Expiration date: October 18, 2023
Who qualifies: You must be a new checking account customer.
What you need to do:
When you’ll receive the money: You’ll get the money deposited into your account 15 days after you’ve completed 10 transactions.
Chase College Checking℠
Bonus amount: $100
Expiration date: October 18, 2023
Who qualifies: This account is for college students ages 17 to 24. You cannot already be a Chase checking customer, have closed a Chase account in the last 90 days, or have closed a Chase account with a negative balance within the last three years. You won’t qualify if you’ve received another Chase sign-up bonus in the last two years.
What you need to do:
- Open an account by October 18, 2023, on the promotion page
- Complete 10 qualifying transactions (including debit card purchases, online bill payments, Zelle, Chase QuickDeposit, or ACH credits) within 60 days
When you’ll receive the money: The $100 will be deposited into your account within 15 days after you complete the qualifying transactions
American Express Business Checking
Bonus amount: 30,000 Membership Rewards® points after qualifying activities
Expiration date: Welcome bonus may change or end at any time.
Who qualifies: You must be an American Express® Basic Card Member with an American Express consumer or business credit card. Note that you won’t be eligible if you have a American Express® Rewards Checking Account.
What you need to do:
- Open an eligible account
- Deposit $5,000 or more within the first 30 days of opening your account
- Maintain an average daily account balance of $5,000 or more for at least 60 days
- Make five or more qualifying transactions within 60 days of opening your account
When you’ll receive the points: The money will be deposited into the Membership Rewards Program Account linked to your business checking account within eight to 12 weeks after you fufill the requirements.
Bask Bank Mileage Savings Account
Bonus amount: up to 20,000 bonus AAdvantage® miles
Expiration date: August 31, 2023
Who qualifies: New and existing Bask Mileage Savings Account customers are eligible.
What you need to do:
- To earn 4,000 miles, deposit $10,000 to $24,999.99
- To earn 10,000 miles, deposit $25,000 to $49,999.99
- To earn 20,000 miles, deposit $50,000 or more
- Deposit the money within 15 days of opening the account; must deposit money before August 31, 2023
- Maintain the qualifying deposit amount for 180 consecutive days
When you’ll receive the miles: Bask Bank will award your miles within 10 business days after you’ve met the qualifications, but it could take six to eight weeks for the miles to post to your AAdvantage® account.
SoFi Checking and Savings
Eligible customers can earn up to $250 with direct deposit through 12/31/2023. Plus, earn up to 4.50% APY on savings accounts with qualifying activities.
