UPDATES:
  • Chase: Earn Up to $900 Checking & Saving Accounts Bonus through April 19, 2023.
  • U.S. Bank: Earn A $400 Business Checking Account Bonus through December 31, 2023.
  • Alliant Credit Union: Earn Up to A $400 Bonus through March 31, 2023.
  • WellsFargo: Earn A $325 Checking Bonus through February 23, 2023
  • Bank of America Business Checking Account $500 Bonus through March 31, 2023.
  • Citi Bank: Earn Up to $2,000 Citi Priority Checking Account Bonus Without Direct Deposit through April 4, 2023.
  • SoFi: $250 Bonus For Checking & Savings through March 31, 2023.

Here's the complete list of bank account promotions with opening bonus offers with or without direct deposit. The list will be updated frequently when new bank bonuses and promotions are worth mentioning. 

Feel free to bookmark this page or subscribe to our blog posts below for any new available bank promotions and offers. 

Full List of Bank Account Bonus Promotions and Offers
Photo Credit: Citi
Table of Contents  [show/hide]

    Best Bank Checking and Savings Account Bonuses Nationwide

    Below are the bank account bonuses available nationwide, meaning the promotion is not limited to specific U.S. states. 

    Albert Cash Checking Account $150 Bonus

    • Earn a $150 bonus when you sign up for Albert checking account on the mobile platform. 
    • Establish a $500+ direct deposit and spend $200 on the debit card every 30 days for 3 months (90 days) to get the $500 bonus. 
      • The 30/90-day clock starts once your account is open. 
    • To signup for the offer, open the Offer Link below on your phone. The link will take you to the app store to download the Albert app. 
    • You only need to open a checking account. You can disable savings and skip the genius auto-invest feature by moving the slider amount to zero dollars. 
    • Unknown expiration date.
    • Direct Link to the Offer (Please note that the offer link does not land where it mentions the bonus offer, but as you go through the signup process, you'll see it). 

    Alliant Credit Union: Earn Up to A $400 Bonus

    • Earn a $100 bonus when you open a savings account with a minimum $1,000 savings average daily balance.
    • Earn a $100 bonus when you open a checking account with a minimum $100 checking average daily balance. 
    • Earn a $100 bonus when you open a certificate and maintain a minimum $1,000 certificate balance. 
    • Earn an extra $100 bonus when you deposit $10,000 total across any of these three accounts. 
    • The offer expires on March 31, 2023.
    • Promo code: FASTPASS
    • Direct Link to the Offer

    American Express Business Checking Account 30,000 Amex Membership Rewards Points Bonus Without Direct Deposit

    • Earn a 30,000 Amex Membership Rewards Points bonus with an Amex business checking account. 
    • Open and deposit $5,000 within 20 days of account opening. 
    • Maintain an average account balance of $5,000 for 60 days.
    • Make 10 or more qualifying transactions within 60 days of account opening. 
      • Qualifying transactions are mobile deposits and electronic/online transactions, including ACH, Wire, and Bill Payments.
    • Unknown offer's expiration date. 
    • Direct Link to the Offer

    Axos Bank 10% Return On A $2,000 Deposit

      • The requirements are:
        • Open a new Axos Invest Managed Portfolios or Self-Directed Trading account. 
        • Make an initial deposit of $2,000 within 60 days of account opening. 
        • Get a 10% return of that $2,000 = $200 cash bonus. 
      • Please note if you opened a Self-Directed Trading account, you must complete at least two trades.
      • The offer ended on January 31, 2023.
      • Direct Link to the Offer

      Axos Bank $200 Rewards Checking Account Bonus

      [Expired]
        • The requirements are:
          • Open a new Axos Invest Self-Directed Trading account. 
          • Fund your Self-Directed Trading account by making a qualifying deposit of $2,500 and making one trade. 
          • Open an Axios Rewards checking account and have qualifying direct deposit(s) that total at least $1,500 within a single calendar month during the first three (3) calendar months your account is open, including the month in which your account was opened. 
        • Use promo code: LEVELUP.
        • The offer ended on September 30, 2022
        • Direct Link to the Offer

        Bank of America Business Checking Account $500 Bonus

        • Open a new Bank of America business checking account and earn a $500 cash bonus. 
        • Make a qualifying deposit of $20,000 or more within 30 days of account opening. 
        • Maintain an average balance of $20,000 for 60 days. 
        • The account must be open by March 31, 2023.
        • Direct Link to the Offer

        Bask Bank Savings Account 1,000 Bonus American Airlines Miles

        • Open a new Bask Bank account to earn 1,000 bonus American Airlines AAdvantage miles.
        • First-time Bask Mileage Savings account customers only. 
        • Fund the account a minimum amount within 15 calendar days following the initial account opening. 
        • Maintain the $5,000 balance for 90 consecutive days
        • Provide Bask Bank with your AAdvantage account number when opening the account.
        • The account must be open by March 16, 2023.
        • Direct Link to the Offer

        Capital One: Earn a $250 With 360 Checking Account Bonus

        [Expired]
        • Earn a $225 bonus when you open a new Capital One 360 Checking account.  
        • Set up and receive at least 2 direct deposits. Each deposit must be $250 or more within 75 days of account opening.
        • Open the account by June 21, 2022.
        • Use promo code: BONUS250
        • Direct Link to the Offer

        Charles Schwab: Get Up to A $1,000 Bonus Without Direct Deposit

        • Earn up to a $1,000 bonus based on your net deposit:
          • Deposit $25,000 - $49,999 and get a $100 bonus.
          • Deposit $50,000 - $99,999 and get a $300 bonus.
          • Deposit $100,000 - $499,999 and get a $500 bonus.
          • Deposit $500,000 or more, and get a $1,000 bonus.
        • Charles Schwab used to perform hard credit inquiries in the past, but they no longer do that anymore. Soft credit inquiry only. 
        • Charles Schwab debit card reimburses all ATM fees, including foreign transaction and exchange fees, when traveling overseas. It is one of the fee-free ATM cards. 
        • Ongoing offer with no expiration date. 
        • Direct Link to the Offer

        Chase: Earn Up to $900 Checking & Saving Accounts Bonus

        • Earn a $300 bonus when you open a new Chase Total Checking account by setting up and receiving a direct deposit within 90 days of account opening. 
        • Earn a $200 bonus when you open a new Chase Savings account and deposit $15,000 or more within 30 days and maintain that balance for 90 days from enrollment.
        • Earn an extra $400 bonus when you complete both checking and savings bonus requirements. 
        • Offer not available to existing Chase checking customers or those whose accounts have been closed within 90 days or closed with a negative balance within the last 3 years. 
        • You can receive only one new checking account opening-related bonus every two years from the last coupon enrollment date and only one bonus per account. 
        • The offer expires on April 19, 2023.
        • Direct Link to the Offer

        Chase College: Earn A $100 Checking Account Bonus

        • Earn a $100 bonus when you open a new Chase College Checking account.
        • Complete 10 qualifying transactions within 60 days of account opening. Qualifying transactions include debit card purchases, online bill payments, Chase QuickDepositSM, Zelle, or ACH credits. 
        • Enroll in paperless statements.
        • Offer not available to existing Chase checking customers or those whose accounts have been closed within 90 days or closed with a negative balance within the last 3 years. 
        • You can receive only one new checking account opening-related bonus every two years from the last coupon enrollment date and only one bonus per account. 
        • The offer expires on April 19, 2023.
        • Direct Link to the Offer

        Chase Business Checking Account Earn Up to $750 Bonus

        [Expired]
        • Get up to a $7500 bonus when you open a Business Complete Checking account with qualifying activities:
          • Earn $300 with an opening deposit of $2,000
          • Earn $500 with an opening deposit of $10,000
          • Earn $750 with an opening deposit of $20,000
        • Complete 5 qualifying transactions within 90 days of coupon enrollment.
        • Request your offer code via the offer link below.  
        • Open your account online or in the branch by July 21, 2022.
        • You can receive one new business checking account opening-related bonus every two years from the last enrollment date and one bonus per account. 
        • Direct Link to the Offer

        Relay Business $150 Bonus For Affected Brex Customers

        • Brex made a decision to end support for small business accounts. Therefore, Relay Financial offers a $150 bonus for Brex customers affected by that decision when they switch to Relay. 
        • Open a Relay account and deposit at least $1. 
        • Submit proof that you were affected by Brex by simply forwarding the Brex email about your account closure notice to support@relayfi.com. 
        • Unknown offer's expiration date. 
        • Direct Link to the Offer

        Chime: Earn A $100 Bonus

        • Get a $100 bonus when you join Chime.
        • Receive a qualifying direct deposit of $200 or more within the first 45 days of enrolling. 
        • Unknown offer's expiration date. 
        • Direct Link to the Offer

        Citi Bank: Earn Up to $2,000 Citi Priority Checking Account Bonus Without Direct Deposit

        • Citi Bank offers an account opening bonus of up to $2,000 when you open a Citi Priority Checking account. 
        • The more you deposit, the more you earn:
          • Deposit $10,000 - $29,999, earn $200
          • Deposit $30,000 - $74,999, earn $500
          • Deposit $75,000 - $199,99, earn $1,000
          • Deposit $200,000 - $299,999, earn $1,500
          • Deposit $300,000 or more, earn $2,000
        • Payroll direct deposit is not required. 
        • Open your account by April 4, 2023.
        • Direct Link to the Offer

        Fidelity: Get a $100 Bonus Without Direct Deposit

        • Earn a $100 bonus simply by opening an eligible Fidelity account and depositing at least $50 into your new account within 15 days of account opening. 
        • Eligible accounts are:
          • The Fidelity Account
          • Fidelity Cash Management Account
          • Roth IRA
          • Traditional IRA
        • Use promo code: FIDELITY100
        • The offer has no expiry date. 
        • Direct Link to the Offer

        First Tech Federal Credit Union: $300 Rewards Checking Bonus

        [Expired]
        • For a limited time, open the First Tech Rewards Checking account and get an extra $300 bonus by completing the required tasks for four (4) consecutive months:
          • Perform 20 transactions, any debit & credit card transactions, with a minimum monthly spend of $500.
          • Establish a monthly direct deposit or ACH of $1,000+ 
          • Enroll in eStatement
        • Promo code: FTRC2022 
        • The offer ended on April 30, 2022.
        • You can join First Tech Federal Credit Union by paying an $8 membership to the Financial Fitness Association. 
        • The approval process can be slow; they typically approve applications on the first of each month. 
        • Direct Link to the Offer

        HSBC: Earn a $500 Premier Checking Bonus

        • Earn a $500 bonus when you open a new HSB Premier Checking account online. 
        • Make recurring qualifying direct deposits totaling at least $10,000 per month for 3 consecutive calendar months from the second full calendar month after account opening. 
        • The offer ends on February 15, 2023.
        • HSB Premier Checking account has a $50 monthly fee but is waivable with a $75,000 balance or monthly recurring direct deposit totaling at least $5,000. 
        • Direct Link to the Offer

        Laurel Road $300 Checking Bonus Plus $20 Reward Each Month

        • Earn a $300 checking bonus plus $20 every month for the first year of opening the account. 
        • To earn the $300 bonus, you must open the Laurel Road Loyalty checking account and establish a qualifying direct deposit of at least $2,500 within the first 60 days after account opening. 
        • To earn the $20 monthly bonus for the first year, you must make a direct deposit totaling at least $2,500 during the monthly statement period. 
        • The account must be open by June 30, 2023. 
        • Direct Link to the Offer (available to everyone)

        Live Oak Bank $200 Savings Account Bonus 

        [Expired]
        • Deposit $25,000 in a new Live Oak Bank savings account and earn a $200 bonus. 
        • The account must be open by March 31, 2022.
        • Maintain the $25k balance for 90 days from the funding date to receive the bonus. 
        • Direct Link to the Offer

        M1 Finance: Get Up to a $500 Bonus

        [Expired]
        • Get up to $500 with a new M1 Invest account after you make a deposit of $1,000 or more within two weeks of opening your account. 
          • Deposit $1,000 - $4,999.99, get $30
          • Deposit $5,000 - $9,999.99, get $75
          • Deposit $10,000 - $29,999.99, get $150
          • Deposit $30,000 - $49,999.99, get $300
          • Deposit $50,000+, get $500
        • A direct deposit is not required. 
        • The offer is valid through March 31, 2022. 
        • There's also another easy $100 bonus offered by M1 Finance. See below. 
        • Direct Link to the Offer

        PNC Bank: Earn a $200/$400 Bonus

        • Earn a $200 bonus when you open the Virtual Wallet With Performance Spend
          • Establish a qualifying direct deposit of $2,000 or more within the first 60 days of account opening. 
        • Earn a $400 bonus when you open the Virtual Wallet With Performance Select
          • Establish a qualifying direct deposit of $5,000 or more within the first 60 days of account opening. 
        • The offer comes and goes, so check the following link to see what offer is currently available based on your location. 
        • Direct Link to the Offer

        Schwab Starter Kit $101 Schwab Brokerage Bonus

        • Easy bonus account with Schwab Starter Kit. 
        • Earn a $101 cash bonus when you open and fun your Schwab Brokerage account. 
        • Fund your account with a minimum of $50 within 30 days of account opening. 
        • Unknown expiration date. 
        • Direct Link to the Offer

        SoFi: $250 Bonus For Checking & Savings

        • Earn up to a $250 bonus when you open a checking and savings account with SoFi as a new customer. 
        • After signing up, set up a direct deposit and earn the bonus, depending on your total qualifying direct deposits:
          • Earn a $50 bonus with a direct deposit below $5,000.
          • Earn a $250 bonus with a direct deposit of $5,000 or more
        • The offer ends on March 31, 2023.
        • Direct Link to the Offer

        U.S. Bank Q3 $400 Checking Account Bonus

        [Expired]
        • Earn $400 when you open a new eligible U.S. Bank checking account (Platinum, Gold, or Easy checking account). 
        • Within 60 days of account opening:
          • Enroll in online banking or the U.S. Bank Mobile App.
          • Complete two or more direct deposits totaling $4,000 or more.
        • Promo code: 2022JUL
        • The offer ended on September 2, 2022.
        • Direct Link to the Offer

        U.S. Bank Q3 $400 Checking Account Bonus

        [Expired]
        • Earn up to $400 when you open a new eligible U.S. Bank checking account. 
          • Earn $200 when your direct deposits total $2,500 to $4,999.99.
          • Earn $400 when your direct deposits total $5,000 or more.
        • Within 60 days of account opening:
          • Enroll in online banking or the U.S. Bank Mobile App.
          • Complete two or more direct deposits.
        • Promo code: 2022JUL
        • The offer ended on August 8, 2022.
        • Direct Link to the Offer

        U.S. Bank: Earn A $400 Business Checking Account Bonus

        • Earn $400 when you open a new U.S. Bank Business Checking account. 
        • Deposit $3,000 in new money within 30 days of account opening:
        • Enroll in online banking or the U.S. Bank Mobile App within 60 days of account opening.
        • Complete 10 qualifying transactions within 60 days of account opening. 
          • A transaction includes deposits and other credits, checks paid and other debits, ACH, and deposited items.
        • Promo code: Q3BUS22
        • The offer ended on December 31, 2023.
        • Direct Link to the Offer

        US Alliance Financial: Earn A $250 Checking Account Bonus

        • Earn a $250 bonus when you open a new MyLife Checking or MyLife Fresh Start Checking account. 
        • Direct deposit of at least $2,000 per month for three (3) consecutive months. 
        • Maintain an average minimum monthly balance of at least $500 or make at least 25 debit card purchase transactions per month for three (3) consecutive months).
        • Use promo code: 250CHECK23
        • Open the account on or after January 1, 2023.
        • Direct Link to the Offer

        Varo Bank: Earn A $30 Account Bonus With No Direct Deposit

        • Open a Varo Bank Account to earn a $30 cash bonus with an easy requirement. 
        • Simply spend $20 within 30 days of opening your account. 
        • The offer expires on March 29, 2023. 
        • Direct Link to the Offer

        WellsFargo: Earn A $325 Checking Bonus

        • Get a $325 checking bonus with a new Wells Fargo checking account. 
        • Receive a total of $1,000 or more in qualifying direct deposits within 90 days from account opening. 
        • The offer expires on February 27, 2023.
        • Direct Link to the Offer

        Best Bank Checking and Savings Account Bonuses By States

        Below are the bank account bonuses available only to specific U.S. states that you are a resident of or where the bank branches are located. 

        To search for bank promotions specific to your state:
        • Within your browser, press Ctrl+F on your keyboard.
        • Type just the two letters of your state plus a comma ',' in the search box. For example, if you live in Washington, type in W.A., 
        • Use the arrow in the search box to go up and down to find the offer within this post. 

        Ardent Credit Union $350 Checking Bonus (P.A.)

        • Earn a $350 bonus with Ardent Credit Union.
        • Open a Cashback Checking or High-Yield Checking account. 
        • Use promo code: CK350
        • Within 3 months from account opening:
          • Enroll in eStatements (Earn $50)
          • Make 8 qualifying debit card purchases (Earn $100)
          • Receive two or more qualifying direct deposits of $250 or more (Earn $200)
        • The offer ends on March 31, 2023.
        • Direct Link to the Offer

        Bank Of The West: Earn a $250 Bonus (AZ, CA, CO, ID, IA, KS, MN, MO, NE, NV, NM, ND, OK, OR, SD, UT, WA, WI, WY)

        [Expired]
        • Earn a $250 bonus with Bank Of The West. 
        • Open Any Deposit Checking account. 
        • Make a direct deposit of at least $1,000 within 3 months from account opening. 
        • Open the account by April 15, 2022. 
        • Direct Link to the Offer

        BECU: Earn a $100 Bonus Without Direct Deposit through Referral (W.A., ID, OR)

        [Expired]
        • This bank promotion is only available through Refer-a-Friend. 
        • You can refer a friend to join BECU, and you each get $100. 
        • No hard credit inquiry. 
        • The offer is valid through December 31, 2022. 
        • Direct Link to the Offer

        Central Bank: Get Up to $400 Checking & Saving Bonus (OK, IL, KS, MO)

        • You can earn a $300 checking bonus + a $100 savings bonus. 
        • Open any eligible checking account and have two more direct deposits within the first 90 days to get the $300 bonus. 
        • Open a SaveUp savings account simultaneously and have at least a $500 balance 90 days from the date of account opening to get an extra $100 bonus. 
        • Use promo code: Join400.
        • The offer ends on March 31, 2023.
        • Direct Link to the Offer

        CapEd Credit Union: Get a $100 Bonus & Give $100 With No Direct Deposit Required (I.D.) 

        • You can earn up to a $200 bonus. You keep $100 and give $100 to an Idaho school of your choice.
        • Open a CapEd High Yield Checking account.
        • Have a monthly direct deposit or electronic ACH payment.
        • Enroll in CapEd eBanking and eStatements.
        • Have at least 12 debit card purchases posted and settled during the monthly qualification cycle.
        • No hard credit inquiry.
        • CapEd High Yield Checking account allows you to earn 2% APY on balances up to $10,000.
        • Unknown expiration date.
        • Direct Link to the Offer

        Citizens Bank: Earn Up to $400 Bonus (C.T., DE, MA, MI, NH, NJ, NY, OH, PA, RI, VT)

        [Expired]
        • Get $300 when you open a new checking account and establish a direct deposit of $500 or more within 60 days. 
        • Get up to $100 when you use your debit card for purchases. You earn $2 for every purchase, up to $100, within the next 60 days. 
        • The offer expired on February 17, 2022.
        • Direct Link to the Offer

        Fidelity Bank: Earn a $250 Bonus (M.A.)

        [Expired]
        • Open any new checking account and receive a $250 bonus after completing the requirements. 
        • Within 60 days of account opening:
          • Have direct deposits into your new account that total at least $500.
          • Have at least 20 posted debit card transactions of $10 or more.
        • The offer expired on December 31, 2022.
        • Direct Link to the Offer

        First Bank: Earn a $300 Bonus (AZ, CA, CO)

        • Get $300 when you open FirstBank Anywhere Checking Account. 
        • Enroll in online banking. 
        • Make at least one qualifying direct deposit of $500 or more for 3 consecutive months. 
        • The offer expires on December 31, 2023.
        • Direct Link to the Offer

        Gesa Credit Union: Earn Up to $300 Bonus (I.D., OR, WA)

        [Expired]
        • You can earn up to a $300 checking bonus when you open a Colossal or Addvantage account and complete required tasks.
        • To earn a $200 bonus within 60 days:
          • Open your new checking account.
          • Sign up for Online Banking and eStatements.
          • Complete 10 debit card purchases.
        • To earn an extra $100 bonus:
          • Simply keep your account open with a positive balance for 1 year.
        • Credit Union and no hard credit inquiry. 
        • To join Gesa credit union:
        • Direct Link to the Offer

        HomeTrust Bank: Receive Up to $400 Bonus (N.C., SC, TN, VA)

        [Expired]
        • Receive up to a $400 bonus when you complete the following requirements:
          • Get $150 for qualified direct deposits totaling $2,500 or more across two consecutive statement cycles in the first 90 days.
          • Get $150 for an opening balance of $10,000 or greater and maintain that balance for the first 90 days.
          • Get $100 when you make at least 15 debit card purchases totaling $500 or more in one statement cycle in the first 90 days.
        • The offer expired on June 30, 2022.
        • Direct Link to the Offer

        KeyBank: Earn A $200 Bonus (A.K., CO, CT, ID, IN, MA, ME, MI, NY, OH, OR, PA, UT, VT, WA)

        • Open an eligible KeyBank checking account to earn a $200 bonus.
        • Eligible accounts are: 
          • Key Smart Checking
          • Key Advantage Checking
          • Key Privilege Checking
          • Key Privilege Select Checkin
        • Make one (1) direct deposit of at least $500 within 60 days of account opening. 
        • The offer expires on February 3, 2023. 
        • Use the offer code: ONAS0123
        • Direct Link to the Offer

        M&T Bank: Get up to A $200 Bonus (C.T., DC, DE, MD, NJ, NY, PA, VA, WV)

        • Get up to a $200 bonus when you open a personal M&T Checking account. 
        • The E.Z. Choice checking has no monthly fee. 
        • Make a qualifying direct deposit of $500 or more within 90 days of account opening.
        • The offer ends on March 31, 2023.
        • Direct Link to the Offer

        Santander: Get up to a $500 Checking Bonus (C.T., DE, FL, MA, NH, NJ, NY, PA, RI)

        [Expired]
        • Get up to a $500 checking bonus with Santander based on your direct deposits made to the account within the first 90 days.
          • Earn a $300 bonus after a total of $4,000 in direct deposits.
          • Earn a $400 bonus after a total of $6,000 in direct deposits.
          • Earn a $500 bonus after a total of $8,000 in direct deposits. 
        • The offer ended on April 5, 2022.
        • Direct Link to the Offer

        TBK Bank: Earn Up to $600 Checking Bonus (C.O., IA, IL, KS, TX)

        [Expired]
        • You can earn up to a $600 checking bonus with TBK bank by completing the following requirements within the qualifying bonus period:
          • Earn $500: Make at least 3 direct deposits total of a minimum of $12,000 credit to the account.
          • Earn $50: Make at least 3 recurring automatic transfers from the checking account to a TBK bank saving or money market account. 
          • Earn $25: Make 9 bill pay transactions. 
          • Earn $25: Make 50 one or recurring point-of-sale transactions. 
        • The offer expired on June 18, 2022.
        • Direct Link to the Offer

        T.D. Bank: Earn Up to $500 Bonus (C.T., DC, DE, FL, MD, ME, MA, NC, NH, NJ, NY, PA, RI, SC, VT, VA)

        • There are a few offers available here:
          • You can earn a $150 bonus with a T.D. Convenience Checking account or,
          • You can earn a $300 bonus with a T.D. Beyond Checking account. 
          • You can earn an extra $200 bonus when adding a savings account. 
        • The offer expires on February 28, 2023.
        • Each offer has different requirements for the qualifying direct deposit amount. See the offer link below. 
        • Direct Link to the Offer