Best Nationwide Bank Account Bonus & Promotions for January 2022

Banks used to offer t-shirts and toasters to get new customers to open an account.

Today, they offer bonus money for you to open an account and, in many cases, set up a direct deposit from your employer or government benefits. Some don’t even ask for that.

On this page, I’m going to share the best bank promotions I know about, both checking account offers and savings account offers and bonus sign up offers worth considering. We start with nationwide bonuses but also include a few high dollar bonuses from banks with a smaller geographic footprint.

The minimum promotional bonus is $100 to get on this list and most banks will do a soft pull of your credit report for identity confirmation purposes. Some may do a hard pull but it’s rarer, so check that first if it’s a concern for you.

The list only contains bonuses for personal bank accounts. If you need an account for your business, see our list of business bank account bonuses and promotions.

We share our favorite bonuses and you can scroll down for more details on each bonus:

💰 Get $300, $700, or $1,500 from a Citi Priority Account Today!

Citi Priority is offering $300, $700, or $1,500 when you open a Citi Priority Account by 7/17/2022.

Then, within 20 days of opening your account, deposit New-to-Citi funds and keep it there for 60 days after the 21st day. The bonus is based on the amount you transfer.

This is a limited time offer so don’t wait!

Learn more about this offer

Best Bank Bonus Offers

We list a lot of offers on this page because we know you like to see them – but here is a list of the best ones. They are high dollar amounts, widely available (geographically), and from banks you’ve probably heard of before. There are more obscure and regional banks on the full list below but this list should have at least one or two (if not half a dozen) banks you can do business with:

BankBonus*Expiration
Date
Direct Deposit
Required?
Wells Fargo$20012/31/2021Yes
Discover$150 or $2003/15/2022No
PNC Bank up to $400 2/28/2022 Yes
Chase$2251/19/2022Yes
HSBC$450 3/31/2022Yes
TD Bank$150 – $300Expiration not listedYes
SunTrust / Truist$2009/30/2021Yes
Capital One$1001/11/2022Yes
SoFi Money25 without DD,
$100 with DD
12/31/2021 (for DD offer)Optional
Alliant Credit Union$10012/31/2021No

*Terms and conditions of each offer will apply

Table of Contents
  1. Best Bank Bonus Offers
  2. Wells Fargo — $200
  3. Discover Bank — $150 or $200
  4. PNC Bank — up to $400
  5. PNC Virtual Wallet Checking Pro – $200
  6. Aspiration Spend & Save — $150 or $200
  7. Chase Total Checking® — $225
  8. Chase Secure Banking — $100
  9. HSBC Premier Checking – $450
  10. TD Beyond Checking — $300
  11. TD Convenience Checking — $150
  12. SoFi Money — $100
  13. CapitalOne 360 Checking Account — $100
  14. Huntington 25 Checking® – $500
  15. Huntington 5 Checking – $200
  16. Huntington Asterisk-Free Checking — $150
  17. Monifi – $250
  18. BMO Harris Checking — up to $200
    1. BMO Harris Smart Advantage Account — $200
    2. BMO Harris Smart Premier™ Account — $350
  19. Citi Priority Account — $300, $700, or $1,500
  20. Citigold® Checking Account — $300, $700, or $1,500
  21. UMB Bank – $300
  22. Bank of Hope – $500
  23. South State Bank — $200
  24. Alliant Credit Union — up to $100
  25. Commerce Bank CommerceRelationship Checking — $500
  26. PSECU – $250
  27. Commerce Bank Free Checking — $200
  28. KeyBank Checking Account — $200
  29. Associated Bank Checking — up to $500
  30. SunTrust Advantage Checking — $200
  31. Santander Select Checking — up to $600
  32. UMB Bank – up to $300
  33. OneWest Bank — $300
  34. Regions Bank — $200
  35. U.S. Bank — $500
  36. M&T Bank Checking — up to $250
  37. Citizens Bank — up to $400
  38. Fulton Bank Simply Checking — $200
  39. Bank of the West Checking — $250 [EXPIRED]
  40. Bank of the West Premier Checking — up to $600 [EXPIRED]
  41. Fifth Third Bank — $300
  42. FirstBank Bloom — $300
  43. People’s United Bank Checking — $400
  44. Columbia Bank Advantage Plus Checking — $200
  45. Penfed Credit Union — $200 [EXPIRED]
  46. Iberia Bank — up to $400 [EXPIRED]
  47. Marcus by Goldman Sachs — $100 [EXPIRED]
  48. Unify Financial Credit Union — $150
  49. First Horizon Checking — up to $400 [EXPIRED]
  50. Conclusion

The content on this page is accurate as of the posting date; however, some of the offers mentioned may have expired.

This content is not provided by the bank advertiser. Opinions expressed here are the author’s alone, not those of the bank advertiser.

Wells Fargo — $200

Get a $200 welcome bonus for new Wells Fargo Everyday Checking customers when you meet a few easy requirements:

  • Open an Everyday Checking account online with a deposit of $25 or more,
  • Then, receive a total of $1,000 or more in qualifying direct deposits into the new checking account within 90 days from account opening.

The Everyday Checking account has a $10 monthly fee that can be waived if you satisfy one of four conditions. Two of those conditions include maintaining a $500 minimum daily balance or receiving $500 or more in total qualifying direct deposits each period.

Learn more about the Wells Fargo offer


Discover Bank — $150 or $200

Discover Bank Logo

Discover Bank is offering a generous $150 or $200 bonus if you open your first Discover Online Savings Account – just open an account and enter the code WH122 when applying.

You must apply by 3/15/2022 to get this offer.

The bonus depends on how much you deposit within 30 days of account open date:

  • Earn $150 if you deposit at least $15,000
  • Earn $200 if you deposit at least $25,000

Your bonus will be credited to the account within 30 days of the account qualifying for the bonus.

And the best part about this bonus is that it’s on top of an excellent online savings account. You earn a high rate of interest and there is no minimum opening deposit. There is no maintenance fee, no excessive withdrawal fee, no stop payment order fee, and no insufficient funds fee. Discover charges no fees on this account.

To get your $150 or $200 Bonus: What to do: Apply for your first Discover Online Savings Account, online or by phone. Enter Offer Code WH122 when applying. Deposit into your account a total of at least $15,000 to earn a $150 Bonus or deposit a total of at least $25,000 to earn a $200 Bonus. Deposit must be posted to account within 30 days of account open date. Maximum bonus eligibility is $200. 

What to know: Offer not valid for existing or prior Discover savings customers or existing or prior customers with savings accounts that are co-branded, or affinity accounts provided by Discover. Eligibility is based on primary account owner. Account must be open when bonus is credited. Bonus will be credited to the account within 30 days of the account qualifying for the bonus. Bonus is interest and subject to reporting on Form 1099-INT. Offer ends 3/15/2022 , 11:59 PM ET. Offer may be modified or withdrawn without notice.

Get up to $200 from Discover Bank
(see advertiser website for full details)


PNC Bank — up to $400

PNC Bank will give you a up to $400 cash bonus if you open a Virtual Wallet with Performance Select and establish total qualifying direct deposits above a certain limit.

The bonus has three tiers, with each tier has a different required direct deposit (and different account type) but the offer page will have all the details you need.

  • Open a Virtual Wallet account and establish total qualifying direct deposits of $500+ and get $50.
  • Open a Virtual Wallet with Performance Spend account and establish total qualifying direct deposits of $2,000+ and get $200.
  • Open a Virtual Wallet with Performance Select account and establish total qualifying direct deposits of $5,000+ and get $400.

Also, the accounts have different fee structures so double-check what you need to do to avoid those.

Finally, this is available to residents of CA, TX, AZ, NM, CO, PA, FL, OH, WV, DE, NJ, SC, NC, GA, KY, IN, MI, IL, MD, DC, WV, and WI.


PNC Virtual Wallet Checking Pro – $200

If you don’t live in a state listed for the above offer, you may qualify for a bonus of $200 for the PNC Virtual Wallet Checking Pro. This is for residents of AR, CT, ID, IA, KS, LA, ME, MA, MN, MS, MT, NE, NV, NH, ND, OK, OR, RI, TN, UT, VT, WA, or WY.

To earn this, you have to open an account and receive total qualifying direct deposit(s) of $2,000 or more to the new Virtual Wallet Checking Pro.


Aspiration Spend & Save — $150 or $200

Aspiration will give you $150 or $200 when you open a new Aspiration Spend & Save account and then spend $1,000 within the first 60 days of account opening. This welcome bonus does not require a direct deposit, which makes it very appealing for those of you who don’t like swapping those around just to get a bonus!

You get $150 when you open an Aspiration account or you can get $200 when you get an Aspiration Plus, though the spending requirement is the same. There are several differences with the two accounts, including how much cash back you can earn, but the fee structure is a key difference. With Aspiration, you “pay what is fair” even if it’s $0 and with Aspiration Plus it’s $7.99 per month, or $5.99 if you pay annually.

Get $150 or $200 from Aspiration


Chase Total Checking® — $225

Chase has long been tops in promotional offers and their richest offer accessible to most consumers is the Chase Total Checking account. You haven’t seen high dollar bonuses until you’ve seen a Chase bank promotion! I’ve previously covered it on our Chase promotions page.

To get the $225, open a new account, set up, and set up direct deposit within 90 days. and you’ll be awarded the bonus within 15 business days. You must keep the account open for at least six months or they take back the bonus.

There is a $12 monthly service fee that is waived if you have a monthly direct deposit of $500+ or keep a minimum daily balance of $1,500 or have $5,000+ in any combination of qualifying Chase checking, savings, and other balances.

For this and other Chase bank promo offers, you can open your account online or request a coupon and bring it to a physical location to open your account.

Available online nationwide except in Alaska, Hawaii, and Puerto Rico. For branch locations, visit locator.chase.com.

Get $225 from Chase Total Checking

Chase Secure Banking — $100

Chase Secure Banking will give you $100 when you open an account and satisfy the qualifying activities. Those activities are to complete 10 qualifying transactions within 60 days of enrollment – the activities include debit card purchases, online bill payments, Chase QuickDepositSM, Zelle® and ACH credits. Your bonus will appear within 15 days of completing these.

There is no minimum deposit requirement and no direct deposit requirements for this offer but you must keep the account open for at least six months after coupon enrollment or they will deduct the bonus.

There is a $4.95 monthly fee.

Get $100 from Chase Secure Banking


HSBC Premier Checking – $450

  • Get a $450 Welcome Deposit for eligible new customers who open a new HSBC Premier checking account and complete the following qualifying activities.
  • Open your new HSBC Premier checking account online by March 31, 2022; and
  • Make recurring monthly Qualifying Direct Deposits totaling at least $5,000 from a third party to your HSBC Premier checking account(s) for 3 consecutive calendar months from the second full calendar month after account opening.
  • You will automatically receive the $450 Welcome Deposit in your new HSBC Premier checking account approximately eight weeks after completing all qualifying activities. It’s that simple.

Get $450 from HSBC Premier Checking

Deposit products are offered in the U.S. by HSBC Bank USA, N.A. Member FDIC.
The information, including rates and fees, presented in the review is accurate as of the date of the review. Please refer to issuer website and application for the most current information.
We may be paid for the content on this site.


TD Beyond Checking — $300

TD Bank is a big bank that offers some great new account bonuses when you open a TD Bank account.

Open a TD Bank Beyond Checking account, set up and receive direct deposits of $2,500 or more within 60 days of opening your account, and get a $300 cash bonus. Offer is available to new personal checking Customers who do not have an existing or prior personal checking account at TD Bank.

There is a $25 per month maintenance fee that is waived if you can satisfy one of these conditions:

  • Receive monthly direct deposits of $5,000 or more, or,
  • Maintain a minimum daily balance of at least $2,500, or,
  • Maintain a combined balance of $25,000 across eligible TD accounts.

To qualify for this offer, you must be a U.S. resident and apply for the offer online.

This offer is available in these states: CT, DE, DC, FL, ME, MD, MA, NH, NJ, NY, NC, PA, RI, SC, VT, and VA..

Learn more


TD Convenience Checking — $150

Open a TD Bank Convenience Checking account, set up and receive direct deposits of more than $500 within 60 days of opening the account, and get a $150 cash bonus.

There is a $15 per month maintenance fee that is waived if you maintain a daily balance of at least $100. Also, students and young adults aged 17 through 23 will get additional perks like no minimum balance requirements and no monthly maintenance fee.

Offer is available to new personal checking Customers who do not have an existing or prior personal checking account at TD Bank. To qualify for this offer, you must be a U.S. resident and apply for the offer online.

This offer is available in these states: CT, DE, DC, FL, ME, MD, MA, NH, NJ, NY, NC, PA, RI, SC, VT, or VA.

Learn more


SoFi Money — $100

SoFi Money is an online savings account that currently yields 0.25% APY and gives you free ATM access anywhere. They’re best known for student loan refinancing but their banking offer looks pretty good.

They have two offers – a higher one if you have a direct deposit.

  1. Their bonus is $100 but you only need to have $1,000 or more in total direct deposit transactions within any consecutive 30-day window by 12/31/21. There are no account fees too so you never have to be concerned you’ll be dinged a fee. Use this link to get this offer.
  2. Or, if you don’t have a direct deposit you can or want to transfer, you can always sign up via this referral link and get 25 when you when you add at least $10 to your account within 5 days. (no minimum deposit requirement)

Then, you can refer your friends to do the same. You get $25, they get $25, and everyone wins!

For a full review, click here to see our deep dive into the SoFi Money account. We also compiled a list of other SoFi promotions too.

Learn more about SoFi Money

(Offer expires 12/31/2021)


CapitalOne 360 Checking Account — $100

Capital One has a $100 bonus for a new Capital One 360 Checking Account that is super easy to get. Just open an account by 1/11/2022 with the promotion code SHARE100.

Then, 2 direct deposits each of $200 or more within 90 days of account opening and you’ll get $100 in your account. That’s it.

Valid for new 360 Checking account customers. If you had a 360 Checking account with Capital One on or after January 1, 2018, you are ineligible.

Learn more about the offer
(Offer expires 1/11/2022)


Huntington 25 Checking® – $500

You can open up a Huntington 25 Checking account and get $500 when you meet the qualifying requirements.

Just open it before the deadline, make a cumulative deposit of at least $15,000 in new money within 60 days, keep that money in there for 90 days, and you can get $500 deposited within 14 days of meeting that requirement. Available to residents of Illinois, Indiana, Kentucky, Michigan, Ohio, Pennsylvania or West Virginia.

The Huntington 25 Checking account has a maintenance fee you can get waived if you meet certain conditions.

Here are the official disclosures:

  • To qualify for the $500 cash bonus, you are required to open a new, qualifying Huntington 25 Checking® during the promotional period between October 1, 2021 and February 7, 2022 and make cumulative new money deposits into the checking account of at least $15,000 or more within 60 days of account opening. “New money” is defined as money that is not currently on deposit in any Huntington account (except maturing CDs). Account must maintain an open status for at least 90 days before it is eligible for the bonus payment.
  • Your $500 bonus will be deposited into your new personal checking account within 14 days of meeting the above requirements. Your checking account must remain in an open status to receive the bonus.
  • This offer is only available to new personal checking customers. All existing Huntington checking customers, including those with any relationship (including fiduciary) to any other Huntington checking account, or those who closed a checking account within the last six months, are not eligible.
  • Transfers from another Huntington deposit account do not count as a deposit. This offer cannot be used in combination with any other checking offer. For tax purposes, you will receive a Form 1099-INT from us for the cash bonus. Huntington reserves the right to limit an individual to one account related gift incentive per rolling 12-month period across all deposit account relationships.
  • Huntington 25 Checking® is a federally registered service mark of Huntington Bancshares Incorporated.

Learn more about Huntington 25 Checking


Huntington 5 Checking – $200

Huntington Bank has a slew of offers starting with $200 if you open a Huntington 5 Checking account (either online or in a branch) and make cumulative deposits of at least $1,000 within sixty days of opening your account. Then, just keep your account open for at least 90 days and you’ll get $200. This is only open to residents of Colorado, Illinois, Indiana, Kentucky, Michigan, Minnesota, Ohio, Pennsylvania, South Dakota, West Virginia, or Wisconsin.

  • To qualify for the $200 cash bonus, you are required to open a new, qualifying Huntington 5 Checking® or Huntington 25 Checking® account during the promotional period between October 1, 2021 and February 7, 2022 and make cumulative new money deposits into the checking account of at least $1,000 or more within 60 days of account opening. “New money” is defined as money that is not currently on deposit in any Huntington account (except maturing CDs). Account must maintain an open status for at least 90 days before it is eligible for the bonus payment.
  • Your $200 bonus will be deposited into your new personal checking account within 14 days of meeting the above requirements. Your checking account must remain in an open status to receive the bonus.
  • This offer is only available to new personal checking customers. All existing Huntington checking customers, including those with any relationship (including fiduciary) to any other Huntington checking account, or those who closed a checking account within the last six months, are not eligible.
  • Transfers from another Huntington deposit account do not count as a deposit. This offer cannot be used in combination with any other checking offer. For tax purposes, you will receive a Form 1099-INT from us for the cash bonus. Huntington reserves the right to limit an individual to one account related gift incentive per rolling 12-month period across all deposit account relationships.
  • Huntington 5 Checking® is a federally registered service mark of Huntington Bancshares
    Incorporated.

Learn more about Huntington 5 Checking


Huntington Asterisk-Free Checking — $150

Alternatively, there is a $150 bonus when you open a Huntington Asterisk-Free Checking account (can be online or in a branch) and make cumulative deposits of at least $1,000 within sixty days of opening your account. Then, keep the account open for 90+ days and you will see $150 deposited into your account. Again, offer open to residents of Colorado, Illinois, Indiana, Kentucky, Michigan, Minnesota, Ohio, Pennsylvania, South Dakota, West Virginia, or Wisconsin.

The Asterisk-Free Checking account has no monthly maintenance fees and no minimum deposit.

  • To qualify for the $150 cash bonus, you are required to open a new, qualifying Asterisk Free Checking®, Huntington 5 Checking®, or Huntington 25 Checking® account during the promotional period between October 1, 2021 and February 7, 2022 and make cumulative new money deposits into the checking account of at least $1,000 or more within 60 days of account opening. “New money” is defined as money that is not currently on deposit in any Huntington account (except maturing CDs). Account must maintain an open status for at least 90 days before it is eligible for the bonus payment.
  • Your $150 bonus will be deposited into your new personal checking account within 14 days of meeting the above requirements. Your checking account must remain in an open status to receive the bonus.
  • This offer is only available to new personal checking customers. All existing Huntington checking customers, including those with any relationship (including fiduciary) to any other Huntington checking account, or those who closed a checking account within the last six months, are not eligible.
  • Transfers from another Huntington deposit account do not count as a deposit. This offer cannot be used in combination with any other checking offer. For tax purposes, you will receive a Form 1099- INT from us for the cash bonus. Huntington reserves the right to limit an individual to one accountrelated gift incentive per rolling 12-month period across all deposit account relationships.
  • Asterisk-Free Checking® is a federally registered service mark of Huntington Bancshares Incorporated.

Learn more about Asterisk-Free Checking


Monifi – $250

Monifi has a $250 new account bonus offer if you open an account, set up a direct deposit, and receive deposits of at least $1,000 each into your Spend balance within 90 days of opening your account. The bonus will be paid into your account within 45 days of meeting the promotional requirements.

There are no monthly fees and Monifi is a division of MidFirst Bank, Member FDIC.

This is a nationwide offer.

Learn more about the Monifi offer


BMO Harris Checking — up to $200

BMO Harris is running a promotion where you can get $200 or $350 when you open one of their checking accounts. You must be a resident of AZ, FL, IL, IN, KS, MO, MN and WI (you can open online but the residency requirement still applies).

BMO Harris Smart Advantage Account — $200

If the Smart Premier Account requirements were too high, BMO Harris will give you $200 when you open a BMO Harris Smart Advantage Account and receive a total of $4,000 or more qualifying direct deposits within the first 90 days. There is no minimum balance and there no monthly fees if you go with paperless statements.

You can apply online or request a coupon and bring it to a local branch. Check the requirements to avoid the monthly fees with each of those accounts, most of which are easy to achieve.

Learn more
(Offer expires 1/28/2022)

BMO Harris Smart Premier™ Account — $350

Open a BMO Harris Smart Premier Account and receive a total of $7,500 or more qualifying direct deposits within the first 90 days. This account offers a tiered interest rate that is based on your balance. There is a $25 monthly fee but you can get it waived if you have a $10,000 minimum daily balance or $25,000 combined balance with Relationship Waiver (that’s where they link up your accounts but you have to set this up). Bonus is paid out in approximately 100 days.


Citi Priority Account — $300, $700, or $1,500

The Citi Priority Account is offering $300, $700, or $1,500 when you open an eligible checking account and:

  • Within 20 days of account opening, deposit New-to-Citi funds into your new checking and savings accounts
  • Maintain a minimum balance between your checking and savings accounts for 60 consecutive days following the 21st day.

The dollar amount of the bonus is based on the amount you deposit according to this schedule:

Minimum Deposit
And Minimum Balance
Cash Bonus
$15,000 - $49,999$300
$50,000 - $199,999$700
$200,000 or more$1,500

For example, if you deposit $50,000 and maintain it for 60 days following the 21st day, you get $700.

The Citi Priority Account has a $30 monthly service fee if you do not maintain a combined average monthly balance of $50,000+ in eligible linked deposit, retirement and investment accounts.

This content reflects the author’s opinion, analysis and/or assessment and is that of the author’s only. This content has not been provided or reviewed by Citi.

Citigold® Checking Account — $300, $700, or $1,500

To earn this bonus, open a Citigold® Checking Account and deposit $15,000 or more in New-to-Citi funds in eligible linked accounts within 20 days and then maintain that balance for 60 days following the 21st day. The bonus you earn is based on the amount you deposit.

Minimum Deposit
And Minimum Balance
Cash Bonus
$15,000 - $49,999$300
$50,000 - $199,999$700
$200,000 or more$1,500

It’ll be deposited into your account within 90 days.

So long as you have not owned a Citi checking account in the last 180 days, are at least 18 years old, and furnish or have a valid Form W-9 or Form W-8BEN on file with Citibank and are not subject to backup withholding, you can participate in the Welcome Checking Cash Bonus Offer in select markets.


UMB Bank – $300

UMB Bank has a $300 checking account bonus when you open up a new UMB Value Checking account and:

  • fund it with at least $100 (minimum deposit),
  • receive qualifying direct deposits that total $2,000 or more within 60 days of funding the account,
  • keep the account open for at least 120 days

This is available to new customers who are residents of Arizona, Colorado, Illinois, Missouri, Nebraska, Oklahoma, Kansas, or Texas.

The account has an $8 monthly service fee that is waived if you satisfy at least one of these conditions:

  • $1500 average collected balance in this account
  • $3000 in combined deposit balances
  • a single direct deposit of at least $250

Learn more about about this offer
(Offer expires 9/30/2021)


Bank of Hope – $500

Bank of Hope is a regional bank with locations in AL, CA, IL, NJ, NY, TX, VA, and WA (must be a resident) and they have a promotional offer that does not require a direct deposit but must be opened in a branch.

To get the $500, open a new personal checking or business checking (they recently changed this to only be for business accounts) and deposit at least $20,000 of funds (new to the bank) for the first four months of account opening.

Then, you must complete the following within 90 days of opening your account (these are trivial):

  1. Request a debit card and make at least one purchase or ATM deposit/withdrawal
  2. Register for Personal Online Banking or Business Online Banking
  3. Enroll in e-Statements

See! No direct deposit required!

Existing bank customers are eligible as long as you do not have a personal or business checking account yet – if you already have one, sorry, you’re not eligible.

Learn more about about this offer
(Offer expires 9/30/2021)


South State Bank — $200

South State Bank has an offer of $200 and you just have to satisfy one of two conditions with 60 days:

  1. make a minimum of 15 debit card purchases or payments, or,
  2. Have a monthly total of $250 qualifying direct deposit OR preauthorized automatic draft(s) of $25.
You cannot be a current owner or joint owner of a SouthState personal checking account, or have been an owner or joint owner of a SouthState personal checking account in the past 12 months.

You must also be a resident of Alabama, Florida, Georgia, North Carolina, South Carolina, or Virginia.

Get $200 from South State Bank
(Offer expires 3/31/2022)


Alliant Credit Union — up to $100

Alliant Credit Union has partnered with Suze Orman for “The Ultimate Opportunity Savings Account” where you can get up to $100 by opening a new Alliant Credit Union account. Just open it by December 31st, 2021 and make deposits $100 a month for 12 months.

These aren’t direct deposits, you just need to transfer at least $100 per month for a full year. The first transfer must be made within 30 days of opening the account, then you must make a deposit each calendar month after that. After 12 months, they deposit the $100 bonus.

No monthly maintenance fees if you opt for eStatements.

Learn more about about this offer
(Offer expires 12/31/2021)


Commerce Bank CommerceRelationship Checking — $500

Cmomerce Bank will give you a $500 bonus if you open a CommerceRelationship Checking account with $100 by 4/30/2021.

Then, make 10 debit card purchases within 60 days and have at least $2,500 in your account at the end of daily processing 60 days after you open the account. Open to residents of Wichita, Kansas area only (residents of Sedgwick, Kingman, Reno, Harvey, Butler, Cowley and Sumner county).

That’s it!

Learn more
(Offer expires 4/30/2021)


PSECU – $250

Pennsylvania State Employees Credit Union (PSECU) has a $250 bonus when you open an account and set up qualifying payroll direct deposits of at least $200 per month within 90 days of account opening. The most basic of checking accounts apply and with no minimum balance and no monthly fees, it’s an easy offer if you qualify.

This is a credit union so there are limitations as to who qualifies but they are easy to satisfy.

You can qualify if you attended, work in, or graduated from a partner college in PA or are a state or local government employee. You can also qualify if you have a relative who is already a PSECU member.

Finally, you can always join the Pennsylvania Recreation and Park Society to qualify. If you do that, it costs $20 but PSECU will cover $10 of it.

Learn more
(Offer expires 12/31/21)


Commerce Bank Free Checking — $200

Cmomerce Bank will give you a $200 bonus if you open a Free Checking account with $25 by 4/30/2021.

Then, make 10 debit card purchases within 60 days and have at least $25 in your account at the end of daily processing 60 days after you open the account.

As you can see, this account bonus is slightly easier (but also had a solid bonus) to accomplish. Open to residents of Wichita, Kansas area only (residents of Sedgwick, Kingman, Reno, Harvey, Butler, Cowley and Sumner county).

Learn more
(Offer expires 4/30/2021)


KeyBank Checking Account — $200

KeyBank runs several promotions but the public one available to all gives you $200 when you open a Key Advantage Checking, Key Privilege Checking, or Key Privilege Select Checking® account with offer code ONAS1221 and make one direct deposit of at least $500 within 60 days.

Keep an eye on the monthly fees and what you need to do to get them waived. They differ based on the type of account and the minimum deposit amount is $50. Full details on the promotion page. Also, if you close your account within 180 days of opening it, they will charge a $25 account early closure fee.

Offer code ONAS1221 and enter your reservation number if prompted.

(Only available in AK, CO, CT, ID, IN, MA, ME, MI, NY, OH, OR, PA, UT, VT, or WA.)

Learn more about the KeyBank promotion
(Offer expires 1/28/2022)


Associated Bank Checking — up to $500

Associated Bank has a promotion associated with their three tiers of checking and savings account – the Associated Access Checking, Associated Balanced Checking, and Associated Choice Checking. Just open an account with the required minimum balance (shown below) and get a bonus based on how much you have in your account after 60 days for a period of 30 days.

For the Associated Access Checking, you need to open it with at least $25.
For the Associated Balanced Checking, you need to open it with at least $100.
For the Associated Choice Checking, you need to open it with at least $100.

Then, after 60 days, get a bonus based on your average daily balance over days 61-90:

  • For amounts $1,000 to $4,999.99 – you earn $200;
  • For amounts $5,000 to $9,999.99 – you earn $300;
  • For amounts over $10,000 – you earn $500;

Check the fees on each of those accounts because they will vary.

Learn more
(Offer expires 2/28/2022)


SunTrust Advantage Checking — $200

SunTrust will give you $200 when you open up a New Advantage Checking Account. SunTrust and BB&T merged to form Truist Bank so any future promotions will likely be tied to that bank name!

To get the $200, you must open a New Advantage Checking Account. Then, within the first three months, make sure you’re receiving $500 or more in total qualifying monthly Direct Deposits per statement cycle within 90 days.

Open to residents of Alabama, Arkansas, Georgia, Florida, Maryland, Mississippi, North Carolina, South Carolina, Tennessee, Virginia, or the District of Columbia. You cannot have an existing personal checking account with SunTrust or have closed one within 365 days of the promotion start date (which was 7/1/2021).

The promotional code for this offer is NM421 and you can open it online or in a branch by requesting a coupon.

There is a $20 monthly fee but it’s relatively easy to satisfy.

Learn more
(Offer expires 9/30/2021)


Santander Select Checking — up to $600

Santander has a new bank account bonus that residents of the northeast United States may be interested in! Open a Santander Select Checking account with the promotion code that is shown after you enter your email address (you have to enter your first and last name plus an email address, then it shows a unique code).

Then, just satisfy a few conditions to get up to $600 from Santander Bank.

The conditions are easy:

  • get $400 by having direct deposits totaling $6,000 or more in your account within the first 90 days then an additional $200 by maintaining an average daily balance of $6,500 or more in the first 90 days,
  • keep the account open for at least 90 days,
  • get paid!

You can’t be a current checking customer of Santander Bank or had a checking account in the last 12 months. There is also a $25 monthly fee that is waived if you have $25,000 in bank deposits and eligible investments held with Santander Investment Services (check the fine print for full details).

Available to residents of NH, MA, RI, CT, DE, NY, NJ, PA, or FL.

Learn more about this offer
(Offer expires 12/31/2021)


OneWest Bank — $300

OneWest Bank is offering residents of California a nice bonus that requires both an opening balance and the meeting of three qualifying activities.

The opening balance requirements are:

  • $300 for opening a OneAccount Checking with $10,000, OR
  • $200 for opening a Premium Checking with $2,000, OR
  • $150 for opening a Personal Checking with $500.

You must maintain that balance for at least 90 days.

Then, meet any three of the following nin the first 90 days:

  • $650 or more in recurring direct deposits/ACH deposits to checking account for 2 consecutive calendar months
  • Register and receive eStatements
  • 8 or more debit card purchases
  • 6 or more ATM transactions
  • 2 or more Online Bill Pay transactions
  • 2 or more mobile check deposits

Offer is only for residents of California.

Learn more
(Offer expires 12/31/2021)


Regions Bank — $200

Regions Bank has a promotion for their LifeGreen checking account. You can can get up to $200.

You get $200 when you open a new Regions LifeGreen checking account with the promo code WINTER2021 and maintain an average daily balance of at least $500 for the first 60 days after account opening. You have 60 days.

Available to residents of AL, AR, FL, GA, IL, IN, IA, KY, LA, MS, MO, NC, SC, TN, and TX. Make sure to read the terms very carefully to ensure you qualify.

Learn more
(Offer expired 12/31/2021)


U.S. Bank — $500

U.S. Bank will give you up to a $500 bonus if you open a new U.S. Bank consumer checking account using the promotion code 2022JAN (must enter this code in manually!) and complete complete two or more direct deposits within the first 60 days of opening your account..

This is a tiered bonus and it's determined by the total of the direct deposits. Get $300 when your deposits total $2,500 to $4,999.99. Get $500 when your direct deposits total $5,000 or more.

This is available for the Platinum, Gold, and Easy Checking Package.

All things being equal, Easy Checking has the lowest fee ($6.95 per month) and the easiest fee waiver requirements. Just have combined monthly direct deposits of $1,000+ OR an average account balance of $1,500+ OR be aged 65 or greater. Then make sure you’re enrolled in eStatements to avoid the $2 fee on paper statements.

Learn more
(Offer expired 1/24/2022)


M&T Bank Checking — up to $250

M&T Bank is offering a new account promotion that’s easy to get. Open a new checking account and receive at least $500 in qualifying direct deposits within 90 days of account opening. The bonus you get is based on the account type you open. You’ll get the bonus deposited within 90 days of the direct deposit.

This offer isn’t nationwide, go to the promotional webpage and enter your ZIP code to see if you qualify and for what amounts.

M&T Bank has branches in CT, DC, DE, MD, NJ, NY, PA, VA, WV.

Learn more
(Offer expires 3/31/2022)


Citizens Bank — up to $400

Citizens Bank will give you up to $400 to open a checking account and satisfy a few conditions. This offer is available in Connecticut, Delaware, Massachusetts, Michigan, New Hampshire, New Jersey, New York, Ohio, Pennsylvania, Rhode Island, and Vermont.

The deal is a few steps – first, open a new Citizens Bank checking account and you get $300 when you receive a direct deposit of $500 or more within 60 days, get an additional $100 when use your debit card for purchases ($2 for every debit card purchase you make, up to $100, within the next 60 days)..

That’s how you get up to $400.

Learn more
(This offer expires 2/17/2022)


Fulton Bank Simply Checking — $200

Open a Simply Checking account and satisfy a few conditions to get $200 from Fulton Bank. The Simply Checking account has no monthly maintenance fees, no minimum balance, no minimum transaction requirements, and the Relationship Rewards Visa® Debit Card has no annual fee. You can open an account with just $25.

The conditions are super easy:

  • Set up a recurring direct deposit totaling $500 or more within 60 days, OR,
  • Make 15 debit card purchases within 60 days, spending $300 or more in total purchases.

Available to residents of Delaware, Washington D.C., Maryland, New Jersey, Pennsylvania, and Virginia.

Get $200 from Fulton Bank
(Offer expires 12/31/2021)


Bank of the West Checking — $250 [EXPIRED]

Bank of the West will give you $250 when you open an Any Deposit Checking account and set up a direct deposit with your employer or benefits provider. If you make direct deposits totaling $1,000 or more per month for three months in a row, they give the cash.

The account has no monthly fee with any deposit per statement cycle (otherwise $10), no minimum balance, and it takes just ten minutes to open the account.

You can open an account online or go into a branch but you must be a resident of Arizona, California, Colorado, Idaho, Iowa, Kansas, Minnesota, Missouri, Nebraska, Nevada, New Mexico, North Dakota, Oklahoma, Oregon, South Dakota, Utah, Washington, Wisconsin or Wyoming.

Learn more about the Bank of the West promotion
(Offer expires 4/15/2022)

Bank of the West Premier Checking — up to $600 [EXPIRED]

If you have $35,000 sitting around, Bank of the West has a Premier Checking account that offers a higher bonus. Get up to $600 in this two step process.

Open a Premier Checking account by 8/6/2021 and deposit at least $25,000 that same month and maintain a $25,000 average monthly balance for three full calendar months. This gets you $500.

Next, open a Choice Money Market Savings account by 8/6/2021. You must deposit a minimum of $10,000 in funds new to Bank of the West and maintain an average monthly balance of $10,000 for three full calendar months – that gets you an additional $100.

This checking account has a $25 monthly service charge that is waived for the first two statement cycles. It is also waived if you maintain a $25,000 average monthly combined balance, which you will do if you meet the bonus requirements.

Can be opened online or in a branch but you must be a resident of Arizona, California, Colorado, Idaho, Iowa, Kansas, Minnesota, Missouri, Nebraska, Nevada, New Mexico, North Dakota, Oklahoma, Oregon, South Dakota, Utah, Washington, Wisconsin or Wyoming.

Learn more about the Bank of the West promotion
(Offer expires 8/6/2021)


Fifth Third Bank — $300

Fifth Third Bank has a new account bonus of $300 bonus if you open a Fifth Third checking account and make direct deposits totaling $500 or more within 60 days of account opening. The Fifth Third Essential, Enhanced, Preferred, Free Checking or Free Checking plus Extra Time are all qualifying accounts.

You can do open an account at a branch or apply online, which is great for times like now. Your cash bonus is deposited within 10 days of meeting the requirements.

This is only available to new customers and you can only get one new account-related gift incentive each calendar year. Valid for customers in their service area, which includes FL, GA, IL, IN, KY, MI, NC, OH, TN, and WV.

Learn more
(Offer expires 3/31/2022)


FirstBank Bloom — $300

FirstBank, with branches in Colorado, Arizona, and California; is offering a $300 bonus if you open a FirstBank Bloom Package with very simple requirements.

  • Just open a Bloom package between now and December 15, 2021,
  • Enroll in online banking,
  • Have at least one qualifying direct deposit of $500 or more for 3 consecutive months.

You can enroll online or bring it to a branch to open. The direct deposit must be payroll, pension, Social Security or other recurring government benefits and must be a single direct deposit. You must keep the account open for at least 12 months or the bonus “can be revoked.”

Learn more
(Offer expires 12/15/2021)


People’s United Bank Checking — $400

People’s United Bank has a $400 bonus if you open a checking account with their promo code FALL300. The bonus is based on the type of account you open:

  • Get $300 if you open an Advantage or Advantage Plus Checking account and get qualifying direct deposits totaling more than $2,500 within 60 days of account opening, or,
  • Get $400 if you open a Premier Advantage Checking account and get qualifying direct deposits totaling more than $2,500 within 60 days of account opening.

Available to residents of Massachusetts, Maine, New Hampshire, Connecticut, Vermont, and New York. You must keep the account open for at least six months or you forfeit the bonus.

Learn more
(Offer expires 10/29/2021)


Columbia Bank Advantage Plus Checking — $200

Columbia Bank will give you a $200 bonus when you open a new checking account and set up a monthly direct deposit of $1,000+ within 60 days. The bonus will be credited within 60 days after you satisfy the conditions. You can open an account online or open in a branch.

You can avoid the $9 monthly service fee if you make at least 10 point of sale debit card transactions or maintain at least a $500 daily balance.

Learn more
(Offer does not show an expiration date)


Penfed Credit Union — $200 [EXPIRED]

Open a Pentagon Federal Credit Union Access America Checking account, deposit at least $1,200, and make 5 debit card purchases within 90 days and you will get $200. There is no direct deposit requirement and you don’t have to deposit the $1,200 all at once, it just needs to accrue in the account within the first 90 days. There is no direct deposit requirement but you will need at least $25 to open the account.

Learn more about the Penfed offer
(Offer has expired)


Iberia Bank — up to $400 [EXPIRED]

Iberia Bank is running four different promotions for residents of states they have a branch, which includes Alabama, Arkansas, Florida, Georgia, Louisiana, and Tennessee, who are first responders.

The highest bonus is $400 if you open a High-Interest Checking account with qualifying direct deposits and maintain a balance of $5,000.

Or get $250 for opening a Freedom Checking account with a qualifying direct deposit.

You need to get a promo code by visiting the bank’s promotion page to request one.

Learn more
(Offer has expired but we will update when a new one appears)


Marcus by Goldman Sachs — $100 [EXPIRED]

Marcus by Goldman Sachs is a savings account that will give you $100 when you deposit $10,000 or more in new funds into a new or existing Online Savings Account within 10 days of enrollment. This can be a new or existing account but the funds have to new to Marcus and then stay there for at least 90 days. If you have an existing account, you must add an additional $10,000 to the current balance at the time of enrollment.

Bonus is deposited 14 days after you satisfy the requirements.

A nice perk is that this account pays interest – 0.50% APY – not fantastic but better than zero!

Learn more about about this offer

(Offer expired 2/12/2021)


Unify Financial Credit Union — $150

Unify Financial Credit Union will give you up to $150 if you open up a qualifying UNIFY Checking Account. It’s a free checking account with no minimum balance fees or a direct deposit requirement. When you join, you also get a complimentary membership to the Surfrider Foundation or Friends of Hobbs. You can apply online but only available to residents of Collin County, TX.

The bonus has several tiers:

  • Get $50 just for opening a new checking account (excluding Right Start Checking and Right Start Debit)
  • Get another $50 when you set up a recurring ACH Direct Deposit of at least $500 each month within 60 days
  • Then, get an additional bonus up to $50 by earning $1 bonus for each debit card transaction that exceeds $5 with your new UNIFY Visa Debit Card within the first 60 days of account opening (maximum bonus of $50).

Learn more
(Offer expires 12/31/2021)


First Horizon Checking — up to $400 [EXPIRED]

First Horizon is offering a $400 cash bonus if you open a FirstView checking account and set up a direct deposit with $400 in deposits within the first 60 days of account opening. It takes just $50 to open an account. Then, you will get the bonus within 8 weeks of the first deposit and keep the account in good standing for six months.

Available for residents of TN, AR, MS, AL, GA, KY, FL, NC, and parts of VA.

Learn more
(Offer expired 11/15/2020)



How do we pick what banks appear in the list? If the bonus is greater than $100 and it’s a reasonably large geographic footprint, we include it on the list. We want to show bonuses that most people can get either by visiting a branch or completing online. We don’t have an interest in a $20 bonus for a small regional bank only a handful of people will be interested in it. Sadly, few credit unions on this list because I haven’t seen any offer bonuses. I’ve also stuck with cash bonuses, rather than other giveaways like tickets because it’s easier to compare and has broader appeal.

The expired list of promotions is there to give you an idea of what was once available. Some banks run promotions all year, rolling over the expiration date every quarter or so. Some banks run them seasonally. I keep the expired list around so you have an idea of what that bank may have offered in the past.

Conclusion

Free money is great but there are some things to pay very close attention to when it comes to bank promotions. First, check out our guide on bank account bonuses. It’ll give you a sense of what you need to do to make sure you get your bonus money.

Also, make sure you find a bank that gives you all the services you need. Bonus money is a nice sweetener but you still need a bank that gives you exactly what you need.

OK go get that bonus money!

👉 This blog post is also available as a Web Story – “Best Bank Account Promotions.”

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About Jim Wang

Jim Wang is a thirty-something father of four who is a frequent contributor to Forbes and Vanguard's Blog. He has also been fortunate to have appeared in the New York Times, Baltimore Sun, Entrepreneur, and Marketplace Money.

Jim has a B.S. in Computer Science and Economics from Carnegie Mellon University, an M.S. in Information Technology - Software Engineering from Carnegie Mellon University, as well as a Masters in Business Administration from Johns Hopkins University. His approach to personal finance is that of an engineer, breaking down complex subjects into bite-sized easily understood concepts that you can use in your daily life.

One of his favorite tools (here's my treasure chest of tools,, everything I use) is Personal Capital, which enables him to manage his finances in just 15-minutes each month. They also offer financial planning, such as a Retirement Planning Tool that can tell you if you're on track to retire when you want. It's free.

He is also diversifying his investment portfolio by adding a little bit of real estate. But not rental homes, because he doesn't want a second job, it's diversified small investments in a few commercial properties and farms in Illinois, Louisiana, and California through AcreTrader.

Recently, he's invested in a few pieces of art on Masterworks too.

Opinions expressed here are the author's alone, not those of any bank or financial institution. This content has not been reviewed, approved or otherwise endorsed by any of these entities.

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