Banks

First Merchants Bank offers up to $600 for new personal checking customers who live in Indiana, Ohio or Michigan. The offer has no listed expiration date. $300 for setting up at least $500 in direct deposits per month within the first 90 days Another $300 for keeping a $15,000 minimum daily balance during the qualification period Enroll with promo code FMBSEM26 online or ask a banker Soft credit pull; ChexSystems is checked $25 monthly fee, avoidable; closing within six months forfeits the bonus One per household; existing or recently closed FMB checking customers are not eligible

Mercury, a banking platform for startups and small businesses, is offering a $500 bonus to new business checking customers who deposit $5,000 within the first 90 days. Available nationwide No direct deposit requirement and no monthly fees No expiration date listed Bonuses are taxable income Open an account

Axos Bank is offering a $300 cash bonus (paid out as $50/month over six months) when you open a new CashBack Checking & Best Savings bundle account by December 10, 2026. How to Earn the Bonus Visit the Axos Bank offer page and open a new CashBack Checking & Best Savings bundle. Enter promo code AX300 during signup. Set up a qualifying direct deposit of at least $1,500/month into your Axos Checking account each monthly statement cycle. Maintain an average daily balance of at least $5,000 each monthly statement cycle. Meet all requirements for up to six consecutive months to collect the full $300. Key Details Bonus amount: Up to $300 ($50 per qualifying month) Availability: Nationwide Monthly fees: None Credit inquiry: Soft pull only Credit card funding: Not allowed Household limit: None Early closure fee: Up to $300 if account is closed before 120 days Things to Note The account must remain open and in good standing when each monthly bonus is paid. Bonus cash is considered taxable income and may be reported on IRS Form 1099-MISC. Customers who have held a primary Axos Bank checking account within the past 12 months may be ineligible. Stacking with other promotions (e.g., Swagbucks) is not officially permitted per the terms, though it has worked for some users in the past.

Citibank is currently running multiple cash bonus tiers for new checking account holders, ranging from $325 all the way up to $4,000 depending on your deposit level. Bonus Tiers Tier 1 – $325 Bonus (Enhanced Direct Deposit) Open a new Citi checking account and enroll directly through the offer page Complete at least 2 Enhanced Direct Deposits totaling $3,000 or more within 90 days of account opening Tier 2 – $500 / $2,000 / $4,000 Bonus (New Funds Deposit) Deposit new-to-Citibank funds within 45 days of account opening Maintain the required minimum balance for an additional 45 days (days 46–90) $30,000 minimum → $500 bonus $200,000 minimum → $2,000 bonus $1,000,000 minimum → $4,000 bonus Key Requirements & Notes Must not have held a Citi checking account in the past 365 days Must be at least 18 years old Available nationwide Uses a soft pull only (no hard credit inquiry) Monthly fee is $12, waived each month with $250+ in Enhanced Direct Deposits (note: rising to $1,000 effective January 1, 2027) No early account termination fee Account can be funded with up to $1,000 via debit card Bonus is considered taxable income Referral Bonus Existing Citi customers can refer friends and earn $100 per successful referral. The referred person still qualifies for the standard bonus. Savings Account Stacking (Select States) In states like NY, CT, NJ, DC, VA, MD, CA, and NV, you may be able to pair this offer with a Citi savings account earning competitive APY through the Citi Premium Boost program: 3.50% APY for Citi Priority 4.00% APY for Citigold 4.35% APY for Citigold Private Client Offer Tracker Track your progress in the Citi app: Services → Rewards & Upgrades → Explore Rewards → Select checking account

Charles Schwab is offering new Investor Checking account holders a cash bonus of up to $1,000 when they deposit qualifying new funds. The promotion runs through November 10, 2026. Bonus Tiers: Deposit $25,000–$49,999 → earn $250 Deposit $50,000–$99,999 → earn $500 Deposit $100,000+ → earn $1,000 Key Requirements: Open a new Schwab Investor Checking account linked to a Schwab One brokerage account Funds must be new-to-Schwab (transferred from an external institution) Account must be funded by November 10, 2026 Qualifying balance must be maintained through December 25, 2026 Available to new checking customers only (both new and existing brokerage clients eligible) No direct deposit required, no monthly fees, no early termination fee Credit check is a soft pull only Things to Keep in Mind: The Schwab checking account earns only 0.01% interest, so the bonus is the primary return Funds tied up for ~50–60 days translate to roughly 6.25%–7.5% APY equivalent Deposited funds must come from outside Schwab; internal transfers do not qualify The bonus is paid within 1–2 statement cycles after requirements are met May be reported on an IRS Form 1099; consult a tax advisor The Schwab checking account is also well-regarded for unlimited ATM fee reimbursements worldwide

E*Trade is offering a $400 cash bonus when you open a new Max-Rate Checking account and meet the direct deposit requirements. This is an increase from the previous $300 offer. How to earn the bonus: Visit the offer page and open a new Max-Rate Checking account online. Enter promo code MAXRATE26 at account opening. Set up and receive at least two direct deposits of $1,500 or more each within 90 days of opening. The $400 bonus will be deposited into your account once both requirements are fulfilled. Key details: Available nationwide to U.S. residents No monthly fees on the Max-Rate Checking account No minimum initial deposit required to open Account must be funded within 90 days to remain open Not eligible if you have or had a checking or Max-Rate Checking account with E*Trade in the last 12 months For joint accounts, only the primary account holder qualifies for the bonus Cannot be combined with other checking offers Offer expires January 10, 2027 Note: Bank account bonuses are considered taxable income. E*Trade also currently has a separate $400–$800 savings bonus available.

New SoFi Checking & Savings account holders can pocket up to $737 in combined signup bonuses by stacking two separate offers. How the bonus breaks down: $400 from SoFi — earned by setting up a qualifying direct deposit of $5,000+ within the 30-day evaluation period $337 from Swagbucks — available when you open a new SoFi account through the Swagbucks offer page SoFi Direct Deposit Bonus Tiers: | Direct Deposit Amount (30-day window) | Cash Bonus | |---|---| | $1,000 – $4,999 | $50 | | $5,000 or more | $400 | Key requirements: Must be a new SoFi Checking & Savings customer First deposit must be a qualifying direct deposit (from employer, payroll, or benefits provider via ACH) of at least $400 Account must be opened within 45 days of starting the offer Cannot be combined with other enrollment bonuses or referral rewards Swagbucks bonus will show as pending for 32 days SoFi bonus is credited within 14 days after the 30-day evaluation period ends Account perks: Up to 3.80% APY with qualifying direct deposit 1.00% APY without direct deposit No monthly maintenance fees Nationwide availability Soft credit pull only The SoFi bonus offer expires 12/31/2026. Be sure to follow all tracking and direct deposit requirements carefully to qualify for both bonuses.

Chase is offering a combined bonus of up to $900 when you open both a new checking and savings account. Here's how the bonus breaks down: $300 for opening a Chase Total Checking account and receiving a qualifying direct deposit within 90 days $200 for opening a Chase Savings account, depositing $15,000 or more in new money within 30 days, and maintaining that balance for 90 days $400 extra when you complete both the checking and savings requirements above How to get started: Visit the Chase offer page (try incognito mode) Open both a Chase Total Checking and Chase Savings account simultaneously Set up a qualifying direct deposit to the checking account within 90 days Deposit $15,000 in new funds directly into the savings account within 30 days and keep it there through day 90 Bonuses are paid within 15 days of completing each requirement Key details to know: Available nationwide, online or in-branch No minimum direct deposit amount required for the checking bonus Only a soft credit pull — no impact on your credit score Chase does not pull ChexSystems Monthly fee for checking is $12 (waivable with $500/month in direct deposits, $1,500 daily balance, or $5,000 average combined balance) Monthly fee for savings is $5 (waivable with $300 daily balance or a recurring $25+ auto-transfer from Chase checking) Bonus is taxable and reported on IRS Form 1099-INT Must wait 2 years from last coupon enrollment date before doing this again Offer expires January 27, 2027 Tips: Deposit the $15,000 directly into the savings account — transferring from checking first may put the savings bonus at risk. You can safely close the accounts after receiving the bonuses, as there is no early termination fee.

First Commonwealth Bank is offering a cash bonus of up to $400 when you open a new personal checking account. No direct deposit is required, and the account can be opened online, by phone, or in person. How to Earn the Bonus Open a new personal checking account using promo code FCB400 and order a debit card. Make 10 debit card transactions within 60 days of opening to earn $200. Also deposit $2,000 or more within 60 days to earn an additional $200, for a total bonus of $400. Eligibility Requirements Must reside in a First Commonwealth Bank market: PA, OH, IN, KY, or WV. Limited to one checking bonus per customer. Not eligible if you had an existing First Commonwealth personal checking account before this one, or if you received a promotional credit from First Commonwealth in the past 12 months. Account Fees Hometown Checking carries a $2/month service fee, which is waived when you enroll in eStatements. No early account closing fee. This is a two-tier bonus with straightforward requirements. The first $200 only requires 10 debit card transactions — no minimum deposit needed. Adding $2,000 in deposits unlocks the full $400. The account is low-cost and easy to manage, making this a solid regional bank bonus for residents of the eligible states. Offer expires November 30, 2026. View Offer Page

New SoFi Checking & Savings account holders can earn up to $735 in combined signup bonuses — $400 directly from SoFi plus $335 from Swagbucks. How the Bonus Breaks Down SoFi direct bonus: Up to $400 when you set up qualifying direct deposits within 45 days Swagbucks bonus: $335 for opening a new account through Swagbucks Combined total: Up to $735 SoFi Direct Deposit Bonus Tiers | Direct Deposit Amount (30-day window) | Cash Bonus | |---|---| | $1,000 – $4,999 | $50 | | $5,000 or more | $400 | Key Requirements Must be a new SoFi Checking & Savings customer First deposit must be a qualifying direct deposit of $400 or more Complete the offer within 45 days of account opening Cannot be combined with other enrollment or referral bonuses Swagbucks reward pends for 31 days; SoFi credits within 14 days after the evaluation period Account Highlights Earn up to 3.80% APY with qualifying direct deposit activity Members without direct deposit earn 1.00% APY No monthly maintenance fees Nationwide availability; soft credit pull only The SoFi bonus offer expires 12/31/2026. Be sure to follow the Swagbucks tracking steps carefully to ensure both bonuses are credited.

New SoFi Checking & Savings account holders can earn up to $400 directly from SoFi, plus an additional $335 through Swagbucks — for a combined total of up to $735 in signup bonuses. This offer is available nationwide and requires a qualifying direct deposit. How the SoFi bonus tiers work: $50 bonus with direct deposits totaling $1,000–$1,999 $100 bonus with direct deposits totaling $2,000–$4,999 $300–$400 bonus with direct deposits of $5,000+ Cashback portal bonuses (as of 7/21/26): Swagbucks：$335 !image.png Rakuten: $250 TopCashBack: $200 Key account details: No monthly fees Soft credit pull only (no hard inquiry) No credit card funding No household limit listed Bonus paid within 14 days after the 25-day evaluation period ends How to qualify: Open a new SoFi Checking & Savings account through a cashback portal (e.g., Swagbucks) to stack bonuses Set up qualifying direct deposit (must be from an employer, payroll, or benefits provider via ACH — P2P transfers and personal bank transfers do not count) Receive at least $5,000 in qualifying direct deposits within 25 days of your first deposit to earn the maximum SoFi bonus SoFi will credit the bonus within 14 days after the evaluation period closes Things to keep in mind: SoFi is known to be strict about what qualifies as a direct deposit — employer/payroll ACH only The bonus may be reported as miscellaneous income (Form 1099-MISC) if it meets the IRS threshold Existing SoFi customers who have never set up direct deposit may also be eligible

Earn a Free $300 Just for Banking with Capital One 360 Capital One is handing out a $300 cash bonus to new 360 Checking account holders — and it's one of the easiest bank bonuses around. Couples or partners can each grab one for a combined $600 windfall. How to Claim Your $300 Bonus Open a new Capital One 360 Checking account using promo code OFFER300 Set up and receive at least 2 direct deposits of $500 or more each within 75 days of opening Sit back — your $300 bonus will be deposited within 135 days of account opening Key Details No monthly fees and no minimum balance required Bonus is available nationwide The direct deposit requirement is flexible — many users report that ACH transfers from other accounts can qualify No early termination fee if you decide to close the account after earning the bonus Who Is NOT Eligible? Anyone who has or had an open 360 Checking, Simply Checking, or Total Control Checking account with Capital One as a primary or secondary holder on or after January 1, 2024 This is a no-brainer if you're eligible — zero fees, easy requirements, and a solid $300 payout.

Navy Federal Credit Union is handing out a $250 cash bonus to new members who open a qualifying checking account. If you or someone you know is eligible for NFCU membership, this is a solid freebie worth grabbing! How to Claim Visit the official offer page and confirm your eligibility for Navy Federal membership. Open a new checking account using promo code AM250CHK. Set up a qualifying direct deposit of at least $500/month, recurring for at least 3 out of 4 consecutive months. Collect your $250 bonus! Key Details Bonus Amount: $250 Promo Code: AM250CHK Direct Deposit Required: $500+/month, recurring 3 of 4 months Monthly Fees: None Early Termination Fee: None Household Limit: None Credit Card Funding: Up to $250 allowed (Visa, Mastercard, or Discover) Eligibility: Must qualify for NFCU membership (military, DoD personnel, veterans, and their families) Who Qualifies for NFCU Membership? Active Duty, Reserve, and retired military across all branches Department of Defense civilian employees and contractors Army and Air National Guard members Coast Guard personnel Immediate family members of eligible individuals Note: The bonus is considered taxable income — you'll receive a tax form from Navy Federal at year-end.

American Express is back with an enhanced checking account welcome bonus! Open a new personal Rewards Checking account and earn a $300 cash bonus when you complete qualifying direct deposits. Key Requirements: Complete $7,500 in direct deposits within 90 days of opening Available nationwide for personal accounts only No monthly maintenance fees Soft credit pull only Account Benefits: Zero monthly fees FDIC insured Integration with Amex rewards ecosystem Mobile banking and digital tools This offer represents a $50 increase from the previous $250 bonus, making it one of the more competitive checking account promotions available from major financial institutions.

Score a fantastic $400 cash bonus when you open a new Wells Fargo checking account! This limited-time offer requires just a $1,000 direct deposit to qualify. How to claim your bonus: Open a new Wells Fargo checking account Set up direct deposit of at least $1,000 within the first few months Meet account requirements to earn your $400 bonus No complicated hoops to jump through! This is one of the most generous bank bonuses currently available. Wells Fargo offers nationwide coverage with thousands of ATMs and branches for convenient banking. Perfect opportunity to switch banks and pad your savings account with an easy $400.

Score a sweet $100 bonus when you open a new Go2Bank account via Swagbucks and complete a qualifying direct deposit. This digital banking offer is back and available nationwide with no monthly fees. Key Requirements: Open Go2Bank account through Swagbucks Complete direct deposit of $100 or more Earn 10,000 Swagbucks points (equivalent to $100) No monthly maintenance fees Available across all 50 states Why This Deal Rocks: Zero monthly fees with direct deposit Quick digital account opening Bonus tracks as taxable income May potentially stack with referral bonuses This is a solid bank bonus opportunity for those looking to earn easy money with minimal requirements. Just set up your direct deposit and watch the bonus roll in.

Chase is offering a substantial $500 cash bonus for new business checking account holders. This premium banking incentive requires meeting specific deposit and transaction requirements within the promotional period. Key Requirements: Open a new Chase Business Complete Checking account Complete qualifying business banking activities Maintain minimum account requirements Bonus typically credited within 60-90 days Account Benefits: No monthly service fee with qualifying balance Mobile and online banking access Business debit card included Integration with Chase business credit cards This offer provides excellent value for entrepreneurs and small business owners looking to establish or switch their business banking relationship.

Score a $200 cash bonus when you open a new Alliant Credit Union checking account through Rakuten! This nationwide offer requires just a $500 initial deposit plus a $500 direct deposit within 30 days. Key Benefits: No monthly fees with electronic statements Soft credit pull only - won't impact your credit score Available nationwide $10 early closure fee if closed within 90 days No household limits on bonuses How to qualify: Click through Rakuten's offer page Open new Alliant checking account with $500 minimum deposit Complete $500+ direct deposit within 30 days Receive your $200 bonus or 20,000 Rakuten points This credit union bonus has returned multiple times throughout 2025, making it a reliable opportunity for new members seeking easy banking rewards.

Raisin is offering substantial cash bonuses for new high-yield savings deposits through two different promotional tiers: SAVE2026 Program (90-day hold period): $75 bonus for deposits $10,000-$24,499 $250 bonus for deposits $25,000-$49,999 $500 bonus for deposits $50,000-$99,999 $1,000 bonus for deposits $100,000+ GIFT Program (quarterly payouts): $80 bonus for deposits $10,000-$24,499 $200 bonus for deposits $25,000-$49,999 $400 bonus for deposits $50,000-$99,999 $800 bonus for deposits $100,000-$249,999 $2,000 bonus for deposits $250,000+ The SAVE2026 option provides better effective APY rates (1.36%-4% additional) due to the shorter 90-day maintenance period. Additional portal bonuses available through Rakuten ($100 for $100+ deposit) and TopCashBack. No monthly fees on accounts.

HSBC is rolling out an exceptional welcome bonus for new Premier account holders. This premium banking offer rewards qualifying customers with substantial cash incentives. Key Benefits: Cash rewards up to $7,000 for eligible new accounts Premier-tier banking services and benefits Enhanced relationship banking features Referral program opportunities available How to Qualify: Open a new HSBC Premier checking account Meet specified deposit and activity requirements Complete account setup within promotional timeframe This limited-time promotion targets high-value customers seeking premium banking relationships. Visit HSBC's Premier campaign page for complete terms and eligibility details.

Score a substantial welcome bonus when you open a new PNC Bank checking account! This limited-time promotion rewards new customers with up to $400 for meeting simple account requirements. How to Claim Your Bonus: Open a qualifying PNC checking account Complete required direct deposit setup Maintain minimum balance requirements Meet all terms within specified timeframe Key Benefits: Generous $400 maximum bonus potential No monthly fees with qualifying conditions Extensive ATM network access Mobile banking and online tools included This bank bonus opportunity won't last forever - perfect timing to switch banks or open your first checking account with a major financial institution. Review all terms and conditions before applying.

Bank of America is offering generous cash bonuses for new business customers opening Business Advantage Banking accounts. Here's what you can earn: $400 bonus when you deposit and maintain $5,000 $750 bonus when you deposit and maintain $15,000 Key Requirements: Deposit funds within 30 days of account opening Maintain balance from days 31-90 Must be a new customer (no BofA business account in last 12 months) Available nationwide through December 31, 2026 Additional Benefits: No monthly fees for first 12 months No early account termination fee Soft credit pull only Can fund with debit card up to $300 This is an online-only offer that expires at the end of 2026. Perfect opportunity for business owners looking to switch banks or establish new business banking relationships.

Chase Bank is rolling out an impressive $400 cash bonus for new Total Checking account holders. This generous welcome offer makes it one of the top bank account bonuses available right now. Key Requirements: Open a new Chase Total Checking account Set up qualifying direct deposit within 90 days Maintain account in good standing Offer valid for new Chase customers only Account Benefits: No monthly service fee with qualifying activities Access to 16,000+ Chase ATMs nationwide Mobile banking with check deposit Overdraft protection options FDIC insured up to $250,000 This bonus typically takes 10-15 business days to post after meeting requirements. Perfect timing to switch banks and earn some extra cash in 2026.

Score a massive $715 cash bonus when you open a new SoFi checking and savings account! This incredible welcome offer combines multiple promotional opportunities: $250 direct deposit bonus - Set up qualifying direct deposits Additional cashback rewards through partner platforms like Swagbucks and MyPoints High-yield savings rates - Earn competitive interest on your deposits No monthly fees - Keep more of your money FDIC insured - Your deposits are protected up to $250,000 To maximize your bonus: Open your account through qualifying partner links Complete the required direct deposit within the specified timeframe Maintain minimum balance requirements Take advantage of additional cashback opportunities SoFi's digital banking platform offers mobile check deposits, budgeting tools, and seamless money management features. Perfect timing to switch banks and earn serious cash!

Score a massive 20,000 bonus points when you open an Alliant Credit Union checking account through Rakuten! Choose between American Express Membership Rewards or Bilt Rewards points. How to get your bonus: Visit Rakuten's Alliant page Open a new High-Rate Checking account Meet the minimum deposit requirements Receive 20,000 points credited to your account Why Alliant? Competitive interest rates on checking No monthly maintenance fees Nationwide ATM access Mobile banking with all the features you need This is an exceptional opportunity to earn valuable rewards points just for switching banks. Perfect for maximizing your points strategy!

Capital One is offering a $250 bonus when you open a new 360 Checking account with no direct deposit required! How to earn the bonus: Open a 360 Checking account using promo code DEBIT250 Complete 20 qualifying debit card transactions of $10 or more within 75 days of account opening Receive your $250 bonus deposited into your account Key Features: No monthly fees No early account termination fee No minimum balance requirement Soft credit pull only Available nationwide No expiration date listed Important: Must use promo code DEBIT250 Ineligible if you had a Capital One checking account on or after January 1, 2024 Account must be opened on or after December 10, 2025 Transactions must be $10 or more each

Get up to $800 bonus for opening a new KeyBank checking account in select states! Bonus Details: Maximum bonus: $800 Direct deposit required: Yes, $1,000+ Monthly fees: None Early termination fee: None Credit check: Soft pull only Credit card funding: Up to $50 Available States: Alaska, Colorado, Connecticut, Idaho, Indiana, Maine, Massachusetts, Michigan, New York, Ohio, Oregon, Pennsylvania, Utah, Vermont, Washington. Location-Specific Links: Colorado - Northgate Colorado - Green Valley Ranch New York - Port Chester Michigan - Detroit Belmont Washington - Redmond Ridge Utah - American Fork Utah - West Valley Important Notes: YMMV (Your Mileage May Vary) Mentions receiving link from employer - payout may vary ChexSystems may be checked Brand-specific bonuses available