Best Bank Bonuses and Promotions of July 2026 up to $3,000
You can always call your bank or read your account’s terms and conditions to learn more about your bonus and when you can expect a payout. However, to discourage new customers from signing up for an account just to collect a bonus and then closing it, there may be penalties for closing your account within a certain number of days or months after receiving a bonus payout. New checking account customers can qualify for a bonus of $325 by opening a new Everyday Checking account online or in a branch with a minimum opening deposit of $25. There is no minimum Eligible Direct Deposit amount required to qualify for the 3.30% APY for savings (including Vaults). SoFi Checking and Savings is offered through SoFi Bank, N.A., Member FDIC.
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. 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. 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. Your eligible personal deposit account must be active and enabled for ACH transactions and Online Banking transfers.
Interest rates on deposit accounts have been falling, which means your savings balance may not be earning as much as it used to. 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. We’re here to help with options and answers you need from being pre-approved to purchase your first home to refinancing your mortgage. If you’d like to open a new account, we’re here to help with current rates, term options and more.
- ACH transfers from an account you have at another financial institution or internal transfers from another Ally Bank account are not considered a QDD.
- However, to discourage new customers from signing up for an account just to collect a bonus and then closing it, there may be penalties for closing your account within a certain number of days or months after receiving a bonus payout.
- 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 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.
- You won’t be held responsible for promptly reported unauthorized transactions, subject to certain conditions.
BONUS EARNED will be paid within 120 days from account opening AVERAGE DAILY BALANCE in your new checking or other deposit accounts Grow your bonus by adding funds to your checking or other deposit accounts.
What do the best bank bonuses have in common?
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. Keep reading to find out answers to commonly asked questions about checking account bonuses and other bank promotions. 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
Bank of America Checking Accounts: Up to $500 bonus
If you’ve followed the eligibility requirements, your cash bonus will be paid into your Spending Account within 30 days after you reach the second consecutive monthly $1,000 QDD minimum. Open an account, make payments, view recent transactions and more — all on the go. Set up qualifying direct deposits of at least $1,000 a month for two consecutive months. 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. 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.
- 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 account.
- ON THIS PAGEMore information about bank bonuses, checking account bonuses, and savings account bonuses
- If you’re looking to open a high-yield savings account, SoFi and Amex both offer excellent options.
- Ruth Sarreal is an editor and content strategist covering consumer banking topics at NerdWallet.
- We’re here to help with flexible savings and investing options to keep your cash working while you focus on your business.
- In-branch openings allow for face-to-face interactions that might be helpful if you prefer discussing financial matters in person or have questions about this checking bonus promotion.
More information about bank bonuses, checking account bonuses, and savings account bonuses
You won’t be held responsible for promptly reported unauthorized transactions, subject to certain conditions. The actions required for this bonus are separate from the actions available to avoid the monthly service fee. If you are subject to backup withholding at the time of payment, we may withhold the required amount and remit to tax authorities. We will report the bonus as income to tax authorities, as required by applicable law.
We’ve rounded up additional excellent checking account bonuses and savings account promotions below. In 2026, crazytower checking account bonus offers could land you between $100 and $3,000. 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. Ruth Sarreal is an editor and content strategist covering consumer banking topics at NerdWallet.
Earn $50 or $400 when you sign up and set up eligible direct deposit after opening a new SoFi online bank account. To earn the bonus, you must make direct deposits totaling $500 or more within 90 days of account opening. Rewards will be transferred to your Account within ten (10) calendar days after the conclusion of the respective Eligibility Period (“Payout Window”). Rewards are paid after each Eligibility Period ends, provided all requirements for that Eligibility Period were met. 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.
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 account. 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. See our top picks based on interest rates, fees, ATM access, and more. We identified the 10 best checking accounts that are free to open and maintain. If you’re looking to open a high-yield savings account, SoFi and Amex both offer excellent options. Some of the banks currently offering checking account bonuses include SoFi, Chase, Citi, Bank of America, and TD Bank.