Unlock Extra Cash: Your Guide to the Best Bank Account Bonuses
Chase Total Checking - A $400 Welcome
Chase's current offer provides a $400 bonus for new Chase Total Checking account holders. To qualify, customers need to open a new account, set up direct deposit, and receive at least $1,000 within 90 days. The bonus is typically credited within 15 days of fulfilling these conditions. Certain restrictions apply, such as not having a Chase checking account in the past 90 days or having closed one with a negative balance recently. The account has a $15 monthly fee, which can be waived by maintaining a certain balance or direct deposit amount. ATM and overdraft fees also apply.
SoFi Checking/Savings - Earn Up to $400
SoFi offers a tiered bonus for new and existing customers who set up direct deposit. Depending on the direct deposit amount received within the first 25 days ($1,000 for $50, or $5,000 for $400), customers can earn a significant bonus. The bonus is deposited within one week after the qualification period. SoFi Checking and Savings accounts are known for having no monthly maintenance fees, overdraft fees, or minimum initial deposit requirements. Full terms and conditions, including FDIC insurance details and eligibility for Overdraft Coverage, are available on their website.
Huntington Bank Perks Checking - $400 Bonus
Huntington Bank's Perks Checking account offers a $400 bonus for new customers in specific states. To earn this, applicants must open an account, apply a bonus code (online or in-branch), and receive at least $500 in direct deposits within 90 days. The bonus is paid within two weeks of meeting these requirements. Eligibility is limited to residents of certain states, and customers who have recently held a Huntington checking account may not qualify. The account has a $10 monthly fee, waived under specific conditions, along with ATM and overdraft charges.
Truist One Checking - $400 Reward
Truist provides a $400 bonus for new Truist One Checking account holders in eligible states. Requirements include opening an account online with a promo code, receiving at least two direct deposits totaling $2,000 or more within 120 days, and completing at least 20 qualifying debit card purchases in the same period. The bonus is issued within four weeks of meeting the criteria. Restrictions apply to previous Truist account holders. The account features a $12 monthly fee, which can be waived by meeting various conditions related to direct deposits, balances, or linked accounts. Overdraft fees are $0.
Wells Fargo Everyday Checking - $325 Incentive
Wells Fargo offers a $325 bonus for new Everyday Checking accounts. To qualify, customers must open an account, set up direct deposit, and receive at least $1,000 within 90 days. The bonus is credited within 30 days after the 90-day period. This offer cannot be combined with other Wells Fargo bonuses, and previous account holders may be ineligible. The account has a $15 monthly fee, waivable through various means such as maintaining a minimum balance or direct deposit amount. ATM and overdraft fees apply.
TD Bank Beyond Checking - $300 Offer
TD Bank's Beyond Checking account provides a $300 bonus for new customers who open an account through their promotions page. Eligibility requires receiving at least $2,500 in direct deposits (each at least $250) within 60 days. The bonus is paid within 180 days of fulfilling the requirements. This offer is for new TD Bank customers in specific states only, and prior account holders are not eligible. The account carries a $25 monthly fee, which can be waived by meeting certain direct deposit or balance thresholds. It features $0 ATM fees but charges $35 for overdrafts.
PNC Virtual Wallet With Performance Select Checking/Savings - $400 Bonus
PNC Bank offers a $400 bonus for new Virtual Wallet with Performance Select account holders in select regions. To qualify, customers must open an account via the promotions page and receive at least $5,000 in direct deposits within 60 days. The bonus is paid within 60 to 90 days of meeting the conditions. Previous PNC Bank checking account holders or those who received a bonus in the last 24 months are not eligible. The account has a $25 monthly service fee, waivable by maintaining certain balances or direct deposit amounts. It offers no out-of-network ATM fees with up to $10 reimbursement, but charges a $36 overdraft fee per item.
Chase Business Complete Banking® - Up to $500 Bonus
Chase provides business owners with a bonus of up to $500 for opening a new Business Complete Banking account. Customers can earn $400 by depositing $2,000 or $500 by depositing $10,000 within the first 30 days, maintaining the balance for 60 days, and completing five qualifying transactions within 90 days. The bonus is deposited within 15 days of fulfilling all requirements. This offer is for new business checking customers only and has restrictions regarding previous Chase business accounts and certain government agencies or political accounts. The account has a $15 monthly fee, waivable by meeting specific balance, deposit, or linked account criteria. ATM and insufficient funds fees apply.
U.S. Bank Business Essentials Checking - $400 Bonus
U.S. Bank offers a $400 bonus for new Business Essentials checking account customers. To qualify, applicants must open an account with a promo code, deposit at least $5,000 in "new money" within 30 days, maintain that balance for 60 days, and make six qualifying transactions within 60 days. The bonus is credited within 30 days after the month-end of meeting the requirements. This offer is for new business checking customers and has restrictions on previous U.S. Bank business accounts. The account has no monthly fee, includes 25 free teller and paper transactions, and charges fees for overdrafts.
Huntington Unlimited Business Checking - $400 Bonus
Huntington Bank offers a $400 bonus for new Unlimited Business Checking account holders in specific states. To qualify, customers must open an account via the bonus page, deposit at least $5,000 in "new money" within 60 days, and keep the account open for at least 90 days. The bonus is deposited within 14 days of meeting the requirements. This offer is subject to state residency and restrictions on previous Huntington business accounts. The account has a $20 monthly fee, waivable by maintaining a balance of $10,000 or more across combined Huntington accounts, or by having a personal checking account. ATM and overdraft fees apply, along with an international transaction fee.
Huntington Unlimited Plus Business Checking - $1,000 Bonus
Huntington Bank also offers a $1,000 bonus for new Unlimited Plus Business Checking account holders. Requirements include opening an account through their bonus page, depositing at least $20,000 in "new money" within 60 days, maintaining that balance for at least 60 days, and keeping the account open for a minimum of 90 days. The bonus is credited within 14 days of fulfilling the criteria. This offer is limited to residents of certain states and has restrictions on previous Huntington business accounts. The account carries a $40 monthly fee, waivable by maintaining a balance of $50,000 or more across combined Huntington accounts, or by having a personal checking account. ATM, overdraft, and international transaction fees apply.
