Banks want new customers and are willing to pay hundreds of dollars to get you to open an account.
If you are able to switch your paycheck’s direct deposit or just have a large sum to transfer in, you can take advantage of these offers and put thousands of dollars in your pocket.
Here are some of the best offers we know about:
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🏆 U.S. Bank Smartly® Checking – up to $450
U.S. Bank has a promotion on their U.S. Bank Smartly® Checking account – it’s a great offer for new accounts and the requirements are straightforward.
Earn up to $450 when you open a new U.S. Bank Smartly® Checking account and complete qualifying activities, subject to certain terms and limitations. Offer valid through 11/10/2026. Member FDIC.
Get started with an initial deposit of $25 within 60 days. Offer may not be available if you are an existing U.S. Bank customer or live outside of the U.S. Bank footprint.
(Offer expires 11/10/2026)
Barclays Tiered Savings Account – $200
Barclays is offering a $200 bonus for new customers.
Once you open a new account, you need to deposit $25,000 within 30 days of opening the account. Then, you need to maintain at least $30,000 in the account for 120 days. Once you meet those qualifications, $200 bonus will be added to your account in approximately 60 days.
This offer doesn’t have a direct deposit requirement and you’re able to earn a very competitive interest rate the entire time. Also, there are no monthly fees.
The bonus will be reported as bank interest.
Terms Apply.
(Offer expires 10/31/2026)
Raisin – up to $1,200
Raisin is a marketing company that partners with banks to offer you very competitive interest rates on savings accounts and certificates of deposit. Your money is held at the partner banks and FDIC insured.
When you open an account with Raisin with the promotion code SUMMER26 before 8/31/2026, you can take advantage of a new account bonus worth up to $1,200.
All you have to do is open an account and deposit at least $10,000 within 14 days. The amount of your bonus is based on the total funds deposited within 14 days of the initial deposit date. The bonus is based on this schedule:
| Deposit | Cash Bonus |
|---|---|
| $10,000 – $24,999 | $50 |
| $25,000 – $49,999 | $125 |
| $50,000 – $99,999 | $250 |
| $100,000 – $199,999 | $500 |
| $200,000 | $1,000 |
You must keep the funds with partner banks on the platform for 90 days and your bonus will be deposited within 30 days of meeting the requirements.
👉 Learn more about this promotion
So you could open an account, stick it into this short term CD that earns a competitive interest rate, and juice up your yield:
Moomoo – up to 60 Free Stocks
The name sounds silly but the free stocks are not. Moomoo is a commission-free brokerage app and its parent company Moomoo Financial Inc. is a subsidiary of Nasdaq-listed FinTech FUTU. It is regulated by the U.S. Securities and Exchange Commission and FINRA, which means your account is protected by the Securities Investor Protection Corporation (SIPC) with insurance up to $500,000.
Moomoo is offering you free shares of stock when you open and fund an account:
| Total Net Deposit | Total Stocks You’ll Get | Eligibility |
|---|---|---|
| $100 – $1,999.99 | 5 free stocks | New client |
| $2,000 – $4,999 | 20 extra free stocks (25 total) | New client |
| $5,000 or more | 35 extra fee stocks (60 total) | New client |
There are no trading requirements but you must keep the cash in there for 60 days.
👉 Get a free stocks from Moomoo
Bank of America — Cash Bonus Offer
Bank of America Bonus Summary
- What you get: up to $500 cash offer, See offer page for more details
- Where to open: Online only
- How to get it:
- To qualify, open a new eligible Bank of America Advantage Banking account through the promotional page and set up and receive Qualifying Direct Deposits* into that new eligible account within 90 days of account opening. Your cash bonus amount will be based on the total amount of your Qualifying Direct Deposits received in the first 90 days.
- If all requirements are met 90 days after account opening, Bank of America will attempt to deposit your bonus into your new eligible account within 60 days.
- Additional Terms and Conditions apply. See the Bank of America offer page for more details.
- *A Qualifying Direct Deposit is a direct deposit of regular monthly income – such as your salary, pension or Social Security benefits, which are made by your employer or other payer – using account and routing numbers that you provide to them.
- Bank of America Advantage SafeBalance Banking® for Family Banking accounts are not eligible for this offer.
- When does it expire: 1/31/2027
If you are not a Bank of America Advantage Banking customer, their online offer is a up to $500 cash offer and must be opened through the Bank of America promotional page.
Your cash bonus amount will be based on the total amount of your Qualifying Direct Deposits received in the first 90 days.
| Cash Bonus | Total Qualifying Direct Deposits |
|---|---|
| $100 | $2,000 |
| $300 | $5,000 |
| $500 | $10,000+ |
Three Bank of America banking accounts qualify for this bonus:
- Bank of America Advantage SafeBalance Banking® – $25 minimum opening deposit and $4.95 monthly maintenance fee. See the offer page for ways to waive the monthly fee.
- Bank of America Advantage Plus Banking® – $100 minimum opening deposit and $12 monthly maintenance fee. See the offer page for ways to waive the monthly fee.
- Bank of America Advantage Relationship Banking® – $100 minimum opening deposit and $25 monthly maintenance fee. See the offer page for ways to waive the monthly fee.
Bank of America, N.A. Member FDIC.
BMO Checking Account — Earn $600 cash bonus*
Earn a $600 cash bonus cash bonus* when you open a BMO Smart Money Checking, BMO Smart Advantage Checking, or BMO Relationship Checking account and Beginning the month following account opening, earn a $100 cash bonus each consecutive month you have a cumulative total of $1,000 or more in qualifying direct deposits post to your account..
Offer is limited to one per customer and account and not available for existing BMO personal checking customers or those who have closed a BMO personal checking account within the last 12 months.
* Conditions apply and other offers may be available. Accounts are subject to approval and provided in the United States by BMO Bank N.A. Member FDIC
(Offer expires 12/15/2026)
