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The changes haven’t directly affected bank bonuses, but it could still be a good time to open a new bank account in case savings account interest rates fall. For this bank promotions roundup, more than a dozen data points were considered per offer. Around 100 financial institutions surveyed by our team of experts. Bonus$50 or $400Earn $50 or $400 with eligible direct deposit. In 2026, checking account bonus offers could land you between $100 and $3,000. To qualify, you’ll likely have to set up direct deposit with the bank and keep the account open for at least a few months.
Tony began his NerdWallet career as a writer and worked his way up to editor and then to head of content on the banking team. She previously edited content on personal finance topics at GOBankingRates. She has over a decade of experience writing and editing for consumer websites. Ruth Sarreal is an editor and content strategist covering consumer banking topics at NerdWallet.
Read the promotion details above to understand all the rules and requirements to earn the checking account bonus, including a super steep minimum transfer amount that may not be worthwhile. U.S. Bank has historically offered a $450 checking bonus for opening a new account. Banks that offer a checking account bonus to new account holders include Bank of America, BMO, Capital One, Chase, Chime (a nonbank), Citibank, KeyBank, PNC Bank, SoFi Bank, N.A., TD Bank, U.S. Bank and Wells Fargo. You can find the best opportunities available by checking out our list of the best bank bonuses and promotions, updated monthly.
New checking customers can earn up to $500 by opening a new eligible checking account, then setting up and receiving qualifying direct deposits into the new account within 90 days of account opening. Neither TD Bank US Holding Company, nor its subsidiaries or affiliates, is responsible for the content of the third-party sites hyperlinked from this page, nor do they guarantee or endorse the information, recommendations, products or services offered on third party sites. Person-to-Person and bank transfers between your TD Bank accounts or accounts you have at other financial institutions or brokerages are not considered a direct deposit.
Once Overdraft payback has been utilized, your account will then be reviewed for Overdraft Grace when applicable. 4TD Beyond Checking accounts are eligible for monthly maintenance fee waivers on all personal savings accounts that you choose to link to your TD Beyond Checking haha spin casino account. The review team is made up of seasoned writers and editors who cover personal banking deposit accounts, such as checking, savings and certificates of deposit, as well as related banking services, such as overdraft programs and ATM networks. Depending on the category, these included account fees and rates (such as annual percentage yields), ATM and branch access, account features, account bonuses, customer service access and user-facing technology, such as innovative tools and mobile apps. We rated them on criteria including annual percentage yields, minimum balances, fees, digital experience and more.
(When the primary account owner reaches the age of 25, age can no longer be used to avoid the monthly service fee.) For more information, please review the applicable Wells Fargo Debit and ATM Card Terms and Conditions. The actions required for this bonus are separate from the actions available to avoid the monthly service fee. Once you have met all requirements, we will deposit the bonus into your new account within 30 calendar days. Deposit accounts that are part of the Wells Fargo Private Bank experience are not eligible for this offer. You must open a new, eligible checking account and make $1,000 or more in qualifying direct deposits within the first 90 days of offer enrollment.

• Of course, personal finance is personal so one person’s experience may differ from someone else’s, and estimates based on past performance do not guarantee future results.
• A variety of Citizens checking accounts all have the same promotional offer, giving you options with various fee levels and features.
• Depending on the category, these included account fees and rates (such as annual percentage yields), ATM and branch access, account features, account bonuses, customer service access and user-facing technology, such as innovative tools and mobile apps.
• For example, if a bank offers a new checking account bonus of $150 but you don’t maintain the required minimum balance, you could incur a monthly fee.
• We want to help you make personal finance decisions with confidence by providing you with free interactive tools, helpful data points, and by publishing original and objective content.

Best bank bonuses for checking and savings

BMO Bank is currently offering a new account bonus on its Smart Advantage and Smart Money checking accounts. To qualify, you must deposit at least $100 a month to your account for 12 consecutive months. We’re here to help with flexible savings and investing options to keep your cash working while you focus on your business. We’re here to help with all of your HSA needs – including eligibility, coverage, debit card access and more.

Free Overdraft Protection Transfers⁵

• Banks are chosen based on consumer interest, and we add banks to our list as needed to ensure we report on the best bank bonuses.
• We’re here to help with flexible savings and investing options to keep your cash working while you focus on your business.
• You can find the best opportunities available by checking out our list of the best bank bonuses and promotions, updated monthly.
• U.S. Bank has historically offered a $450 checking bonus for opening a new account.
• To earn the bonus, you must make direct deposits totaling $500 or more within 90 days of account opening.
• The information regarding any product was independently collected and was not provided nor reviewed by the company or issuer.

Each provider is evaluated across five weighted categories and 30 subcategories, including checking and savings accounts, certificates of deposit, customer experience, and overdraft services. The information related to Citi checking accounts and Wells Fargo Clear Access Banking has been collected by NerdWallet and has not been reviewed or provided by the issuers or providers of these products or services. A previous bonus offered new checking customers the opportunity to earn a $200 Chase checking account bonus by opening a Chase Total Checking® account and meeting requirements.

Citibank Checking Accounts: $325 bonus

That’s because we curate a list that’s limited to what our experts think are the very best options for our readers. Check out NerdWallet’s picks for the best savings accounts The number of checking and/or savings accounts you should have will depend on a few factors. The best bank bonuses for you are ones that have requirements you’re comfortable with, including the amount of time you’ll have to keep your money in the account to earn the bonus. The best bank promotions offer a significant cash bonus in exchange for signing up for a new account with no fees or easily avoided fees.

More information about bank bonuses, checking account bonuses, and savings account bonuses

To earn the bonus, you must make direct deposits totaling $500 or more within 90 days of account opening. These qualifying activities for the offer must be completed within 30 calendar days of opening the Chime Checking Account. Once the required activities are completed, you’ll receive your new checking account bonus within 15 days. Then, set up and receive at least two direct deposits, each of $500 or more, within 75 days of account opening. There are no monthly fees or minimum deposit requirements for the account, and it earns a small amount of interest (0.10%) which beats the 0% you get from most other checking accounts. You can earn a $400 cash bonus by having at least $4,000 in qualifying direct deposits within the first 90 days.