Below we’ve listed the best checking & saving account bonuses in order from best to worst for June, 2025. We’ve also included a little bit of information on each bonus, make sure you click through and read our detailed posts on each offer before signing up – that way you won’t be caught unawares of hidden fees.
Note: This page is updated monthly and keeps the same URL, so feel free to bookmark it or link to it knowing that it’ll be kept up to date. Because of this the comment section might contain discussion about deals that are no longer current, please keep that in mind. You can view the most recent changes by clicking here.
Contents
- 1 Best Checking Account Bonuses
- 1.1 Chase $900 Checking/Savings Bonus
- 1.2 U.S. Bank $450 + $80 Checking Bonus
- 1.3 Wells Fargo $2,500 Premier Bonus
- 1.4 First Tech Federal Credit Union $300
- 1.5 Chime $425 Portal Bonus
- 1.6 Bank of America $300 Checking
- 1.7 Wells Fargo $400 Checking Bonus
- 1.8 BMO Harris $400 Checking Bonus
- 1.9 SoFi Checking & Savings $500 Signup Bonus
- 1.10 Capital One $300
- 1.11 PNC $200/$400 Checking Bonus
- 1.12 Citi $325
- 1.13 The Police Credit Union $300
- 1.14 Upgrade Rewards Checking $200 Referral Bonus
- 1.15 Fairwinds Credit Union $175 Referral Bonus
- 1.16 CIT Bank $100 Checking Bonus, Direct Deposit Not Required
- 1.17 Affinity Federal Credit Union $100 Referral Bonus
- 1.18 Charles Schwab Up To $500 Bonus
- 1.19 Unify Financial Credit Union $150
- 1.20 Lake Michigan Credit Union $100 Referral
- 1.21 Fidelity Youth Account $50
- 2 Best Saving Account Bonuses
- 2.1 Capital One Up To $1,500 Bonus
- 2.2 Citi Up To $2,000 Bonus – No Direct Deposit Required
- 2.3 Wells Fargo $525 Saving Bonus
- 2.4 Laurel Road $200
- 2.5 Ameriprise Financial $450
- 2.6 Discover Savings Account $150/$200 Bonus
- 2.7 Citizens Bank $500 Savings – CT, DE, MA, MI, NH, NJ, NY, OH, PA, RI, VT, VA, D.C., MD, FL
- 2.8 Waterstone Bank $100 Savings – WI only
- 3 Best Business Bank Bonuses
- 3.1 Chase Business $500
- 3.2 Wells Fargo $400/$825
- 3.3 American Express Business Checking 30,000 Points
- 3.4 Citibank Up To $2,000 Business Checking Bonus – In Branch Only
- 3.5 U.S. Bank $400/$900 Business Checking Bonus
- 3.6 BlueVine Business Checking $300
- 3.7 Provident Credit Union – $300 – CA, In Branch
- 3.8 FNBO Bank – $250 IL, NE, KS, TX, CO, In Branch
- 3.9 Bank of America $200 Business Checking
- 3.10 Axos Bank $100/$200 Business Checking
- 3.11 Found $125 Business Bonus
- 3.12 S&T Bank $900 – PA & OH
- 3.13 Old National Bank – IL, IN, KY, MI, MN & WI, In Branch
- 3.14 TD Bank $500 – CT, DC, DE, FL, MD, ME, MA, NC, NH, NJ, NY, PA, RI, SC, VT, & VA
- 3.15 M&T Bank $300-$1,500 Business Checking Bonus – MA, CT, DE, D.C., MD, NJ, NY, PA, VA, WV
- 3.16 Huntington Bank $200/$500/$1,000 – OH, MI, IN, PA, KY, WV, CO & IL
- 3.17 Flagstar Bank $1,000 – AZ, CA, FL, IN, MI, NJ, NY, OH, WI, In Branch
- 3.18 PNC $200/$500 Business Checking AL, DC, DE, FL, GA, IL, IN, KY, MD, MI, MO, NC, NJ, NY, OH, PA, SC, VA, WI and WV
- 3.19 Associated Bank $750 – IA, IL, IN, KS, MI, MN, MO, OH and WI
- 3.20 Fulton Bank – $500 – DE, DC, MD, NJ, PA, & VA
- 3.21 Truist $400 – AL, AR, GA, FL, IN, KY, MD, MS, NC, NJ, OH, PA, SC, TN, TX, VA, WV or DC
- 3.22 Farm Bureau Bank $250 – NV
- 3.23 Fulton Bank – $225 Business Checking DE, DC, MD, NJ, PA, & VA
- 3.24 1st United Credit Union – $200 Business Checking Bonus – CA only
- 4 Best State Specific Bonuses
- 4.1 Abington Bank $300 Checking Bonus, Direct Deposit Not Required MA, CT, RI, NH
- 4.2 First National Bank (FNB) $700 Checking Bonus – PA, OH, MD, DC, VA, NC, SC, WV
- 4.3 Stanford Federal Credit Union $620 – CA
- 4.4 BluPeak (Formerly USE Credit Union) $600 – CA
- 4.5 Union Bank & Trust – $500 – NE & KS Only
- 4.6 Truist $400 AL, AR, GA, FL, IN, KY, MD, MS, NC, NJ, OH, PA, SC, TN, TX, VA, WV or DC
- 4.7 Clearview Credit Union $400 – PA
- 4.8 Waterstone Bank $250 Checking – WI only
- 4.9 Associated Bank – $600 Bonus – IA, IL, IN, KS, MI, MN, MO, OH and WI
- 4.10 Fulton Bank $300 – DE, DC, MD, NJ, PA, & VA – Direct Deposit Not Required
- 4.11 Old National Bank $300/$650 Bonus – IA, IL, IN, KY, MN, WI, TN & MI
- 4.12 C&N Bank $400 – PA, NJ & NY
- 4.13 Eastern Bank $300/$450 Checking Bonus – MA, NH, ME, RI
- 4.14 First Bank Financial Centre (FBFC) $150 Bonus – Direct Deposit Not Required – WI Only
- 4.15 SECU $350 – DC, DE, PA, VA, WV, MD
- 4.16 WinTrust Bank $300 Checking – IL, FL, WI, IN, MI only
- 4.17 MidFirst Bank $300/$350 – AZ, OK
- 4.18 AllTru Credit Union $300 Checking Bonus – MO
- 4.19 Trustco Bank $250 + Ring Doorbell Checking Bonus – FL, MA, NJ, NY, VT
- 4.20 Fidelity Bank $500 Checking – Northeastern PA only
- 4.21 Clearview Credit Union $412 – PA Only – Direct Deposit Not Required
- 4.22 bankESB (Easthampton Savings Bank) $325 – Direct Deposit Not Required – MA, CT, RI & NH
- 4.23 UFirst Credit Union – $400 UT
- 4.24 Citizens Bank $400 Checking Bonuses – CT, DE, MA, MI, NH, NJ, NY, OH, PA, RI, VT
- 4.25 Banner Bank $100-$500 OR, WA, CA & ID
- 4.26 Santander $400 Checking Bonus – NH, MA, RI, CT, DE, NY, NJ & PA
- 4.27 Popular Community Bank $150-$500 – FL, NJ, NY
- 4.28 Arizona Central Credit Union – $500 Bonus – AZ
- 4.29 Flagstar Bank $300-$500 – AZ, CA, FL, IN, MI, NJ, NY, OH, WI
- 4.30 Sunflower Bank $200 – AZ, MO, NM, KS & CO and TX, In Branch only – Direct Deposit Not Required
- 4.31 South State Bank $200 checking Bonus – GA, NC, SC, VA – Direct Deposit Not Required
- 4.32 Numerica Credit Union $300 – WA, ID – Direct Deposit Not Required
- 4.33 BMI Federal Credit Union $200 – OH – Direct Deposit Not Required
- 4.34 Flushing Bank $350 Bonus – NY & NJ
- 4.35 OneAZ $300 Checking Bonus – AZ Only
- 4.36 KeyPoint Credit Union $300 Checking – CA Only
- 4.37 Sun Canyon Bank – $300 – AZ
- 4.38 Berkshire Bank – $300 – MA, NY, CT, RI, or VT
- 4.39 Credit Human $300 Bonus – TX, LA only
- 4.40 Stanford Federal Credit Union $250/$500 – CA
- 4.41 SF Fire Credit Union $300 – CA
- 4.42 Camden National Bank $300 – ME, NH
- 4.43 Air Academy Credit Union $225 – CO
- 4.44 Bar Harbor Bank & Trust $200 Checking Bonus – ME, VT & NH
- 4.45 Pinnacle Financial Partners $200 Mastercard Checking Bonus – TN
- 4.46 Old Second Bank $300 Bonus – IL only
- 4.47 WECU $250 Checking Bonus – WA
- 4.48 Honor Credit Union $250 Checking Bonus – MI
- 4.49 Freedom Credit Union $200 Referral Bonus – PA
- 4.50 CIBC US $200 IL, MI, MO, FL, CA & WI
- 4.51 KeyBank $300 Bonus – AK, CO, CT, ID, IN, MA, ME, MI, NY, OH, OR, PA, UT, VT, or WA
- 4.52 BOK Financial $300 College Bonus OK, AR, AZ, CO, KS, NM, TX & MO – Direct Deposit Not Required
- 4.53 Penn Community Bank $300 – PA, NJ Direct Deposit Not Required
- 4.54 Power Financial Credit Union $199 – FL – Direct Deposit Not Required
- 4.55 Communication Federal Credit Union $300 Bonus – OK & KS
- 4.56 Firstmark Credit Union $300 Checking Bonus – TX
- 4.57 CommunityAmerica – $300 – KS & MO
- 4.58 Tower Federal Credit Union $300 Bonus – MD, DC, DE, PA, VA, WV
- 4.59 FirstBank $350 – TN, GA, AL
- 4.60 Veridian Credit Union $300 – IA, MN, NE
- 4.61 Fidelity Bank Up To $300 Checking Bonus + $100 Savings – MA, NH
- 4.62 HarborOne Bank $600 Checking & Savings Bonus – MA, NH, and RI
- 4.63 Newtown Savings Bank (NSB) $250 Bonus – CT & Select Counties In NY only
- 4.64 Star Financial Bank – $300 – IN, In Branch
- 4.65 Summit Federal Credit Union Up To $150 – NY – Direct Deposit Not Required
- 4.66 Sharepoint Credit Union $150 Checking Bonus – MN only
- 4.67 Tower Federal Credit Union $100 – MD – No Requirements
- 4.68 Westfield Bank $100 Bonus – OH Only – Direct Deposit Not Required
- 4.69 Orange County’s Credit Union $100 Checking Bonus – No Direct Deposit Required – CA Only
- 4.70 Horizon Credit Union $200 Checking Bonus – WA, ID, MT, OR – Direct Deposit Not Required
- 4.71 FirstBank – $300 – CA, AZ & CO
- 4.72 Royal Credit Union $250 Checking Bonus – MN, WI
- 4.73 California Credit Union – $250 – CA
- 4.74 American Bank & Trust $250 – SD & MN, In Branch
- 4.75 Savings Bank of Danbury $100-$300 – CT
- 4.76 Community First Credit Union $200 Bonus – FL only
- 4.77 Independent Bank – $200 Bonus – MI
- 4.78 Frontier Bank $200 Bonus – IA, MN, SD, NE, ND
- 4.79 Provident Credit Union $300 Checking Bonus – CA
- 4.80 Sacramento Credit Union $200 – CA
- 4.81 Credit Union One $200 Bonus – MI only
- 4.82 VyStar Credit Union $175 – FL, GA
- 4.83 SLFCU $150 Checking Bonus + $50 Referral – NM, CA, AZ, TX, CO
- 4.84 Jovia Financial Credit Union $150 Checking Bonus – NY Only
- 4.85 Lafayette Federal Credit Union $150 – MD, D.C., VA
- 4.86 Desert Financial Credit Union $100 Referral Bonus For Both Parties – AZ only
- 4.87 Collins Community Credit Union $100 Bonus – IA only
- 4.88 America First Credit Union $100 – No Requirements – UT, NV, AZ, ID, OR, NM
- 4.89 Power Financial Credit Union $100 – No Direct Deposit Required – FL only
- 4.90 Andrews Federal Credit Union $150 – Washington D.C only
- 4.91 Mainstreet Credit Union – $300 – KS & MO
- 4.92 Portland Federal Credit Union (PFCU) – MI – $100 Referral
- 4.93 Verity Credit Union $100 Referral Bonus – WA
- 4.94 Greater Nevada Credit Union $100 – NV
- 4.95 Heritage Credit Union $100 – WI & IL – In Branch
- 4.96 California Coast Credit Union $100 Bonus – CA only
- 4.97 USE Credit Union $100 Bonus – CA only
- 4.98 Heritage Credit Union – WI & IL only – $100 Bonus
- 4.99 Prestige Community Credit Union – TX – $200
- 4.100 Lafayette Federal Credit Union $100 – MD, D.C. & VA
- 4.101 Financial Partners Credit Union – CA – $100 Referral Bonus
- 4.102 Western State Bank – $100 – AZ, ND, MN – In Branch Only
- 4.103 The Bank of Princeton $100 Checking Bonus – NJ & PA, In Branch
- 4.104 City National Bank – $100 Checking – VA, WV, OH – In Branch
- 4.105 Mountain America Credit Union $100 UT, ID, NV, NM, MT, AZ
- 4.106 Neighborhood Credit Union $300 Checking Bonus – TX
- 5 Highly Region Specific/Branch Specific
- 5.1 Redstone Federal Credit Union $500 – AL, TN
- 5.2 TTCU Federal Credit Union $500 – OK Select Branches
- 5.3 Picatinny Credit Union $285 NJ – Morris County, New Jersey. Morris Essex Union Somerset
- 5.4 Valley Strong Credit Union $250 – Direct Deposit Not Required – CA, Select Counties
- 5.5 MyUSA Credit Union $200 Checking Bonus – OH – No Requirements
- 5.6 Southland Credit Union $200 Checking Bonus – CA Long Beach
- 5.7 City National Bank VA, WV, OH, In Branch only – $200 Bonus
- 5.8 Expedition Credit Union $200 – MN
- 5.9 San Mateo Credit Union $100 Bonus – Direct Deposit Not Required – CA Only
- 5.10 Green State Credit Union $100 Checking Bonus – IA & IL, Direct Deposit Not Required
- 5.11 Purdue Federal Credit Union $400 IN, Lake & Porter County
- 6 Recent Changes
Best Checking Account Bonuses
Chase $900 Checking/Savings Bonus
This is a savings bonus as well, but you have to do both to get the full $900 bonus. Savings portion requires a $15,000 deposit for 90 days.
- Read our full post
- Soft pull
- Cannot fund with a credit card
- Direct deposit required, no minimum mentioned
U.S. Bank $450 + $80 Checking Bonus
Anti churn language is now 12 months instead of 24 months.
- Read our full post
- Soft pull
- Can fund up to $250 with a credit card
- Direct deposit of $2,000-$8,000 required
Wells Fargo $2,500 Premier Bonus
Requires $250,000 in cash or investments. Must open checking Premier checking account; $250,000 requirement can be done with the brokerage. Must be opened in a Wells Fargo branch. Account also has a $35 month fee, waived if you have $250,00 balance.
- Read our full post
- Soft pull
- No credit card funding
- No direct deposit required
First Tech Federal Credit Union $300
Has been a $350 bonus in the past, but that required spend as well.
Chime $425 Portal Bonus
Various portals like Swagbucks, MyPoints, and Inbox Dollars offer a bonus of $390-$426 bonuses when you open a Chime account after clicking through their portal and then receiving $200+ direct deposit.
- Read our full post
- Soft pull
- No credit card funding
- $200 direct deposit required
Bank of America $300 Checking
We have seen much higher private bonuses and even some bigger public bonuses a long time ago but this is the best public bonus I think we will see so it might be wise to jump on it now.
- Read our full post
- Soft pull
- Can fund up to $250 with a debit card
- Direct deposit of $2,000+ required
Wells Fargo $400 Checking Bonus
Can be opened online. Requires $1,000 direct deposit.
BMO Harris $400 Checking Bonus
Nice that this bonus is now available nationwide.
- Read our full post
- Soft pull
- Cannot fund with a credit card
- Direct deposits totaling $4,000 – $7,500
SoFi Checking & Savings $500 Signup Bonus
$300 is from SoFi and the other $200 is from Swagbucks.
- Read our full post
- Soft pull
- No credit card funding
- Direct deposit of $3,000+ required
Capital One $300
Has been higher bonuses in the past but not sure it’s worth waiting.
- Read our full post
- Soft pull
- No credit card funding
- Requires two direct deposits of $500+
PNC $200/$400 Checking Bonus
The offer available depends on where you live.
- Read our full post
- Soft pull
- Can fund with a credit card but codes as a cash advance
- Direct deposit of $2,000 – $5,000 required
Citi $325
Nice part of this bonus is that it doesn’t require a huge deposit like the other Citi checking bonus.
The Police Credit Union $300
Seems to be very chexsystems based on the last 90 days.
- Read our full post
- Soft pull
- Direct deposit of $1,000+ required
- Can fund up to $100 with a credit card
Upgrade Rewards Checking $200 Referral Bonus
Bonus is even better if you can refer a few people, just keep in mind that people that open accounts rarely get the $200 account straight away.
Fairwinds Credit Union $175 Referral Bonus
No monthly fee to worry about and if you’re in two player mode you could get $350 combined from this bonus (or even more if you can refer other friends/family).
- Read our full post
- Soft pull
- Can fund up to $500 with a credit card
- Direct deposit of $200+ required
CIT Bank $100 Checking Bonus, Direct Deposit Not Required
Bonus is also available to existing members.
Affinity Federal Credit Union $100 Referral Bonus
Affinity have offered a $150 bonus in this past, this is better if you’re referred by a friend or family member and they are happy to give some of their bonus.
- Read our full post
- Soft pull
- Can fund up to $1,000 with a credit card
- Direct deposit of $100+ required
Charles Schwab Up To $500 Bonus
This is now a soft pull making it much more interesting. People like this account because the account is quite useful (e.g ATM fees reimbursed, no fees for foreign transaction withdrawals) and you can also get this account and a brokerage account at the same time for one hard pull. The brokerage account then gives you access to the Charles Schwab credit cards. Obviously not for everybody, but a pretty good combination.
- Read our post
- Soft pull to open
- No requirements for bonus
- Unknown credit card funding
Unify Financial Credit Union $150
Sometimes this is only available in specific areas/states but currently seems to be nationwide.
- Read our full post
- Soft pull
- Can fund up to $2,000 with a credit card
- Direct deposit of $500+ required
Lake Michigan Credit Union $100 Referral
Out of state you do need to an appointment to open.
- Read our full post
- Hard pull
- Can fund up to $50 with a credit card
- Two direct deposits of $500+ required
Fidelity Youth Account $50
Must be aged 13 – 17 to be eligible.
- Read our full post
- Soft pull
- No credit card funding
- Direct deposit not required
Best Saving Account Bonuses
Capital One Up To $1,500 Bonus
The higher $1,500 tier does require $100,000 deposit. The account earns a decent interest rate and so this is well worth considering if you have the cash.
- Read our full post
- Soft pull as long as you opt out of overdraft protection
- No credit card funding
- Direct deposit not required
Citi Up To $2,000 Bonus – No Direct Deposit Required
This is really more of a savings bonus as it requires a large deposit. Works out to be 8.6% APY for the best bonus.
- Read our full post
- Soft pull
- No credit card funding
- Direct deposit not required
Wells Fargo $525 Saving Bonus
Requires a deposit of $25,000 within 30 days.
- Read our full post
- Soft pull
- Can fund up to $50 with a credit card
- Deposit of $25,000+ required for 30 days
Laurel Road $200
Nice thing about this bonus is that the deposited funds only need to be there on day 90 after account opening.
- Read our full post
- Soft pull
- No credit card funding
Ameriprise Financial $450
This works out to be 6% APY annualized when you include the bonus and base interest rate. You do need to be an existing Ameriprise customer to be eligible.
- Read our full post
- Soft pull
- Requires a deposit of $35,000
Discover Savings Account $150/$200 Bonus
Nice part of this bonus is that cumulative deposits work.
- Read our full post
- Soft pull
- No credit card funding
- Deposit of $15,000-$25,000 required
Citizens Bank $500 Savings – CT, DE, MA, MI, NH, NJ, NY, OH, PA, RI, VT, VA, D.C., MD, FL
Requires a $10,000 deposit for 5 months.
- Read our full post
- Soft pull
- Can fund up to $1,000 with a credit card
- Direct deposit of $1,000+ required
Waterstone Bank $100 Savings – WI only
Can also be combined with the $250 checking bonus.
- Read our full post
- Soft pull
- Unknown if credit card funding is possible
- Deposit of $10,000+ required
Best Business Bank Bonuses
There are a lot less business bank bonuses than personal bonuses, you can view all of them here.
Chase Business $500
We saw a recent $750 bonus but that required $30,000 whereas this is only $10,000. $750 bonus is available as well.
Wells Fargo $400/$825
Requires a balance of $2,500/$25,000 but thankfully only for 30 days.
American Express Business Checking 30,000 Points
Requires $5,000 in deposits for 60 days and also 10 transactions. Fairly simple bonus to do a nice bonus (though it was once higher at 60k).
Citibank Up To $2,000 Business Checking Bonus – In Branch Only
No direct link, being offered in branch
Only available in branch and not all branches have this offer. This is more of a savings bonus as the $2,000 bonus requires a deposit of $200,000+ for example.
- Read our full post
- Soft pull
- No credit card funding
- Direct deposit not required
U.S. Bank $400/$900 Business Checking Bonus
Previously terms excluded you if you had an account in the last 24 months, now it’s in the last 12 months. $400 bonus is very attractive.
BlueVine Business Checking $300
Bit annoying that the easiest way to get the bonus is by spending $2,000+ every month for three months.
- Read our full post
- Soft pull
- No credit card funding
Provident Credit Union – $300 – CA, In Branch
Unfortunately has to be opened in branch.
FNBO Bank – $250 IL, NE, KS, TX, CO, In Branch
Just requires $1,000 in deposits or 10 debit card transactions.
Bank of America $200 Business Checking
There is a $500 targeted bonus. But it’s not often we see public bonuses.
- Read our full post
- Soft pull
- Can fund up to $250 with a debit card
- No direct deposit required
Axos Bank $100/$200 Business Checking
Just need an average balance of $2,500+ for the first two months. Bonus is $200 if business must be incorporated after 6/01/2020
- Read our full post
- Soft pull
- No credit card funding
- No direct deposit required
Found $125 Business Bonus
Requires a $5,000 bonus
S&T Bank $900 – PA & OH
$300 of the bonus is very easy, the rest needs a $25,000 deposit.
- Read our full post
- Soft pull
- Can fund up to $100 with a credit card
- No direct deposit is required
Old National Bank – IL, IN, KY, MI, MN & WI, In Branch
Easier promotions than they have offered in the past.
- Read our full post
- Soft pull
- No direct deposit required
- Can fund up to $500 with a credit card
TD Bank $500 – CT, DC, DE, FL, MD, ME, MA, NC, NH, NJ, NY, PA, RI, SC, VT, & VA
Requires a $2,500 deposit for 90 days and 25 qualifying transactions per month for three months.
- Read our full post
- Soft pull
- No direct deposit required
- Can fund up to $1,000 with a credit card
M&T Bank $300-$1,500 Business Checking Bonus – MA, CT, DE, D.C., MD, NJ, NY, PA, VA, WV
$1,500 bonus requires $100,000 in deposits unfortunately.
- Read our full post
- Soft pull
- No credit card funding
- No direct deposit required
Huntington Bank $200/$500/$1,000 – OH, MI, IN, PA, KY, WV, CO & IL
The $400 bonus has been increased to $500. $750 bonus has been increased to $1,000.
- Read our full post
- Soft pull
- No credit card funding
- No direct deposit required
Flagstar Bank $1,000 – AZ, CA, FL, IN, MI, NJ, NY, OH, WI, In Branch
Requires a $25,000 deposit for 90 days.
PNC $200/$500 Business Checking AL, DC, DE, FL, GA, IL, IN, KY, MD, MI, MO, NC, NJ, NY, OH, PA, SC, VA, WI and WV
Not nationwide like the personal bonus unfortunately. They have offered a $300 bonus in the past, but that hasn’t been available for some time. It’s also now easier to keep the account fee free and because of that we’ve added it back to this list. In some states this is now $500.
- Read our full post
- Soft pull
- Unknown if credit card funding is possible
- Direct deposit not required
Associated Bank $750 – IA, IL, IN, KS, MI, MN, MO, OH and WI
Requires $20,000 for the full bonus, but smaller bonuses available as well.
Fulton Bank – $500 – DE, DC, MD, NJ, PA, & VA
Just requires a $5,000 deposit for 60 days.
Truist $400 – AL, AR, GA, FL, IN, KY, MD, MS, NC, NJ, OH, PA, SC, TN, TX, VA, WV or DC
Has been at a lower $300 level for some time.
- Read our full post
- Soft pull
- No credit card funding
- No direct deposit required
Farm Bureau Bank $250 – NV
There is also a $150 personal checking bonus but not clear if both of these bonuses can be done.
- Read our full post
- Soft pull
- No credit card funding
- Direct deposit not required
Fulton Bank – $225 Business Checking DE, DC, MD, NJ, PA, & VA
Has been as high as $300 in the past.
- Read our full post
- Soft pull
- No direct deposit required
- Can fund up to $500 with a credit card
1st United Credit Union – $200 Business Checking Bonus – CA only
Normally in branch only but can also be opened online.
- Read our full post
- Soft pull
- Can fund up to $2,000 with a credit card
- Direct deposit not required
Best State Specific Bonuses
In the past we haven’t listed state specific bonuses on this page, I thought it was worth listing ones that are definitely worth doing, so here they are.
Abington Bank $300 Checking Bonus, Direct Deposit Not Required MA, CT, RI, NH
We don’t know much about this bank, but this bonus seems easy to trigger and is much higher than normal.
- Read our full post
- Unknown if soft pull
- Up to $1,000
- Direct deposit is optional
First National Bank (FNB) $700 Checking Bonus – PA, OH, MD, DC, VA, NC, SC, WV
Requires a deposit of $5,000 for 60 days but still worth doing.
- Read our full post
- Soft pull
- Can fund up to $50 with a credit card
- No direct deposit required
Stanford Federal Credit Union $620 – CA
Highest this has ever been and no longer requires opening in branch.
- Read our full post
- Soft pull
- Unknown if credit card funding is possible
- Direct deposit of $500+ required
BluPeak (Formerly USE Credit Union) $600 – CA
Does require keeping the account open for 12 months.
- Read our full post
- Soft pull
- Unknown if credit card funding is possible
- Direct deposit of $500+ required
Union Bank & Trust – $500 – NE & KS Only
Was briefly offered in more states but that was closed and now only available in NE & KS.
- Read our full post
- Soft pull
- No credit card funding
- Requires a direct deposit of $2,500+
Truist $400 AL, AR, GA, FL, IN, KY, MD, MS, NC, NJ, OH, PA, SC, TN, TX, VA, WV or DC
Have seen a slightly higher bonus at launch but I doubt we will see that again and has been lower at $300 for some time.
- Read our full post
- Soft pull
- Can fund up to $500 with a credit card
- Two direct deposits totaling $1,000+ are required
Clearview Credit Union $400 – PA
There is also a $100 savings bonus that can be done.
- Read our full post
- Soft pull
- Can fund up to $500 with a credit card
- Direct deposit of $500+ required
Waterstone Bank $250 Checking – WI only
No monthly fee. There is also a $100 money market bonus.
- Read our full post
- Soft pull
- Unknown if credit card funding is possible
- Direct deposit of $300+ required
Associated Bank – $600 Bonus – IA, IL, IN, KS, MI, MN, MO, OH and WI
Huge bonus, does require a large balance of $10,000+ for a short period of time for the full $400 bonus but well worth doing if you have the spare funds. Available in a lot more states now.
Fulton Bank $300 – DE, DC, MD, NJ, PA, & VA – Direct Deposit Not Required
Nice bonus that only requires 15 debit card transactions to trigger. Bonus has been increased to $300 from $200.
- Read our full post
- Soft pull
- Can fund up to $500 with a credit card
- Direct deposit not required
Old National Bank $300/$650 Bonus – IA, IL, IN, KY, MN, WI, TN & MI
Bit annoying to keep the $450 bonus fee free but can always just do the $250 bonus.
C&N Bank $400 – PA, NJ & NY
Unfortunately seems to be ChexSystems sensitive.
Eastern Bank $300/$450 Checking Bonus – MA, NH, ME, RI
Not as good as it previously was as you can no longer fund up to $2,000 with a credit card but still a bonus worth considering.
- Read our full post
- Soft pull
- Credit card funding no longer possible
- Recurring direct deposit of $250+ required
First Bank Financial Centre (FBFC) $150 Bonus – Direct Deposit Not Required – WI Only
No monthly fees or direct deposit required. $150 donation is also made to a local school program.
- Read our full post
- Soft pull
- No credit card funding available
- No direct deposit required
SECU $350 – DC, DE, PA, VA, WV, MD
$350 is an all time high for this bonus.
WinTrust Bank $300 Checking – IL, FL, WI, IN, MI only
Much better than the $100 bonus they previously offered. There is also a $200 savings bonus that can be done at the same time.
MidFirst Bank $300/$350 – AZ, OK
$300 is the highest we have seen from MidFirst.
AllTru Credit Union $300 Checking Bonus – MO
Just requires two $500+ direct deposits.
- Read our full post
- Soft pull
- Can fund with up to $500 with a credit card
- Direct deposit of $500+ required
Trustco Bank $250 + Ring Doorbell Checking Bonus – FL, MA, NJ, NY, VT
There is also a $100 savings & $100 CD bonus and this can be done for both personal and business accounts.
Fidelity Bank $500 Checking – Northeastern PA only
This is normally $400.
- Read our full post
- Deposit of $10,000 required for 30 days
- Soft pull
- Can fund up to $500 with a credit card
Clearview Credit Union $412 – PA Only – Direct Deposit Not Required
Much better than a previous deal that required a direct deposit and was smaller.
bankESB (Easthampton Savings Bank) $325 – Direct Deposit Not Required – MA, CT, RI & NH
No monthly fees or direct deposit required.
- Read our full post
- Soft pull
- Can fund up to $1,000 with a credit card
- Direct deposit not required
UFirst Credit Union – $400 UT
Bonus has recently increased to $400.
Citizens Bank $400 Checking Bonuses – CT, DE, MA, MI, NH, NJ, NY, OH, PA, RI, VT
This is the highest bonus they have offered, it’s hard to keep the account fee free but that shouldn’t really be an issue as you can just pay the monthly fee and still end up ahead.
- Read our full post
- Soft pull
- Can fund up to $1,000 with a credit card
- Direct deposit of $1,000+ required
Banner Bank $100-$500 OR, WA, CA & ID
Requires a $25,000 deposit for the full bonus for 90 days.
Santander $400 Checking Bonus – NH, MA, RI, CT, DE, NY, NJ & PA
More difficult to keep fee free than the recent $300 bonus, but obviously an extra $100.
- Read our full post
- Soft pull
- Can fund up to $500 with a credit card
- One or more direct deposits totaling $5,000 required
Popular Community Bank $150-$500 – FL, NJ, NY
There is also a $200 savings bonus as well.
Arizona Central Credit Union – $500 Bonus – AZ
Huge bonus but it’s a hard pull unfortunately.
- Read our full post
- Hard pull
- Unsure if credit card funding is possible
- Direct deposit of $1,000+ required
Flagstar Bank $300-$500 – AZ, CA, FL, IN, MI, NJ, NY, OH, WI
Recently increased to $300/$500 from $250/$350.
Sunflower Bank $200 – AZ, MO, NM, KS & CO and TX, In Branch only – Direct Deposit Not Required
This offer specifically states that ACH credits work to trigger the bonus, there is also no monthly fees to worry about.
South State Bank $200 checking Bonus – GA, NC, SC, VA – Direct Deposit Not Required
Doesn’t require a direct deposit either.
Numerica Credit Union $300 – WA, ID – Direct Deposit Not Required
Was $200, now increased to $300.
- Read our full post
- Unknown if hard or soft pull
- Can fund up to $500 with a credit card
- Direct deposit not required
BMI Federal Credit Union $200 – OH – Direct Deposit Not Required
Main downside is there are mixed reports of this being a hard or soft pull.
- Read our full post
- Mixed datapoints of hard/soft pull
- Can fund up to $250 with a credit card
- Direct deposit not required
Flushing Bank $350 Bonus – NY & NJ
No monthly fees to worry about, does require a direct deposit though.
OneAZ $300 Checking Bonus – AZ Only
Has been as high as $500 in the past but that was a long time ago.
- Read our full post
- Soft pull
- Credit card funding of $500 required
- Direct deposit of $1,000+ required for six months
KeyPoint Credit Union $300 Checking – CA Only
Big bonus with a nice amount of credit card funding.
- Read our full post
- Soft pull
- Can fund up to $3,000 with a credit card
- Direct deposit of $1,000 required
Sun Canyon Bank – $300 – AZ
Easy to keep the account fee free.
- Read our full post
- Soft pull
- No credit card funding
- Direct deposit of $500+ required
Berkshire Bank – $300 – MA, NY, CT, RI, or VT
Direct deposit requirement is a bit confusing as it says you need to use through pinwheel.
Credit Human $300 Bonus – TX, LA only
No monthly fee to worry about.
- Read our full post
- Soft pull
- Unknown if credit card funding is possible
- Two direct deposits of $250+ within 60 days of account opening
Stanford Federal Credit Union $250/$500 – CA
This requires a monthly direct deposit of $2,500 or $5,000.
- Read our full post
- Soft pull
- Unknown if credit card funding is possible
- Direct deposit of $2,500/$5,000 required
SF Fire Credit Union $300 – CA
Requires a $5,000 direct deposit to get the full bonus, otherwise you only get $100.
- Read our full post
- Soft pull
- Direct deposit of $5,000+ required
- Can fund up to $495 with a credit card
Camden National Bank $300 – ME, NH
Have been slight variations of this offer in the past.
- Read our full post
- Soft pull
- Can fund up to $500 with a credit card
- Direct deposit of $500+ required
Air Academy Credit Union $225 – CO
Has been as high as $250 in the past but as it’s not a huge difference I think this is still worth doing.
Bar Harbor Bank & Trust $200 Checking Bonus – ME, VT & NH
They offer a free checking account.
- Read our full post
- Soft pull
- Unknown if credit card funding is possible
- Direct deposit of $250+ required
Pinnacle Financial Partners $200 Mastercard Checking Bonus – TN
A lot of requirements unfortunately for the bonus.
- Read our full post
- Unknown if soft/hard pull
- No credit card funding
- Direct deposit required, must be full paycheck
Old Second Bank $300 Bonus – IL only
Another small bonus, upside is that $100 can be done without a direct deposit being required.
- Read our full post
- Soft pull
- No credit card funding
- Two direct deposits totaling $500 or more required
WECU $250 Checking Bonus – WA
Sadly don’t know if it’s a hard or soft pull.
- Read our full post
- Unknown if hard or soft pull
- Unclear if credit card funding is possible
- Direct deposit of $100+ required
Honor Credit Union $250 Checking Bonus – MI
The credit card funding is interesting, but it’s unfortunate about the $15 fee and also the hard pull to open the account.
- Read our full post
- Hard pull
- Can fund up to $2,500 with a credit card, but there is a $15 fee
- Direct deposit of $100+ per month required
Freedom Credit Union $200 Referral Bonus – PA
Deal is made better if you can refer a few people as well.
- Read our full post
- Unknown if hard/soft pull
- Credit card funding of $500+
- Direct deposit required for the full bonus
CIBC US $200 IL, MI, MO, FL, CA & WI
Needs to be opened in branch unfortunately.
KeyBank $300 Bonus – AK, CO, CT, ID, IN, MA, ME, MI, NY, OH, OR, PA, UT, VT, or WA
Normally KeyBank offers a bonus of up to $300 but only in a few very specific areas, this seems to be available in a lot more areas than normal. If you’re considering this offer (and you should) then it’s worth doing sooner rather than later as it often expires before it’s listed to expire.
- Read our full post
- Soft pull
- Can fund up to $100 with a credit card
- Direct deposit of $500+ required
BOK Financial $300 College Bonus OK, AR, AZ, CO, KS, NM, TX & MO – Direct Deposit Not Required
Unfortunately only available to college students and they do require ID.
- Read our full post
- Soft pull
- Direct Deposit Not Required
- Unknown if credit card funding is possible
Penn Community Bank $300 – PA, NJ Direct Deposit Not Required
There is also a $50 statement savings bonus that can be done at the same time.
Power Financial Credit Union $199 – FL – Direct Deposit Not Required
Previously bonus was only $100.
- Read our full post
- Mixed datapoints if it’s a hard/soft pull
- Unknown if credit card funding is possible
- Direct deposit not required
Communication Federal Credit Union $300 Bonus – OK & KS
Annoying it’s not clear if it’s a hard or soft pull.
- Read our full post
- Mixed dp if hard/soft pull
- Can fund up to $500 with a credit card
- Direct deposit of $3,000+ required
Firstmark Credit Union $300 Checking Bonus – TX
Unfortunately it’s a hard pull but can be opened online now.
- Read our full post
- Hard pull
- Can fund up to $100 with a credit card
- Multiple direct deposits required
CommunityAmerica – $300 – KS & MO
Unfortunately it’s a hard pull.
Tower Federal Credit Union $300 Bonus – MD, DC, DE, PA, VA, WV
Really easy bonus to meet the requirements for and no monthly fees either.
- Read our full post
- Soft pull
- Can fund up to $500 with a credit card
- Direct deposit of $1,000+ required
FirstBank $350 – TN, GA, AL
Previous best was $250, so this is an extra $100.
Veridian Credit Union $300 – IA, MN, NE
A lot of people had their accounts closed, but that was probably from opening out of state.
- Read our full post
- Soft pull
- Can fund up to $500 with a credit card
- Direct deposit of $250+ required in months 4-7
Fidelity Bank Up To $300 Checking Bonus + $100 Savings – MA, NH
Sometimes it includes Airpods or something similar instead of the $100.
- Read our full post
- Soft pull
- Direct deposit of $500+ required
- Can fund up to $500 with a credit card
HarborOne Bank $600 Checking & Savings Bonus – MA, NH, and RI
They have offered a bigger bonus in the past, but the requirements for this bonus are much easier to meet.
- Read our full post
- Soft pull
- Can fund up to $1,000 with a credit card
- Direct deposit of $1,000+ required
Newtown Savings Bank (NSB) $250 Bonus – CT & Select Counties In NY only
Bonus used to be better when you could fund $1,000 with a credit card. But still worth doing for those that live in a qualifying area if you’ve done the bigger/better bonuses above. There is also a $150 savings bonus.
- Read our full post
- Soft pull
- Can fund up to $25 with a credit card
- Direct deposit required but no minimum specified
Star Financial Bank – $300 – IN, In Branch
Been a long time since we’ve seen a bonus from Star Financial.
- Read our full post
- Soft pull
- Direct deposit of $500+ required
- Unknown if credit card funding is possible
Summit Federal Credit Union Up To $150 – NY – Direct Deposit Not Required
Requires 20 debit card purchases instead of a direct deposit.
- Read our full post
- Soft pull
- No credit card funding
- Direct deposit not required
Account also offers 5% APY on balances up to $5,000
- Read our full post
- Hard pull
- Unknown if credit card funding is possible
- Direct deposit of $300+ required
Tower Federal Credit Union $100 – MD – No Requirements
This bonus has no monthly fees or requirements to trigger, making it extremely easy.
Westfield Bank $100 Bonus – OH Only – Direct Deposit Not Required
Any ACH deposit will work for this, doesn’t need to be direct deposit/payroll.
- Read our full post
- Soft pull
- Can fund up to $500 with a credit card
- Direct deposit or recurring ACH deposit required
Orange County’s Credit Union $100 Checking Bonus – No Direct Deposit Required – CA Only
Always nice to see a bonus with no direct deposit required, in addition no monthly fees to worry about.
Horizon Credit Union $200 Checking Bonus – WA, ID, MT, OR – Direct Deposit Not Required
Unfortunately there is a hard pull but everything else about this offer is great.
- Read our full post
- Hard pull
- Credit card funding of $500
- Direct deposit not required
FirstBank – $300 – CA, AZ & CO
Sometimes offered with no direct deposit required.
- Read our full post
- Soft pull
- No credit card funding
- Direct deposit of $500+ is required per month for three months
Royal Credit Union $250 Checking Bonus – MN, WI
No monthly fee to worry about and nice amount of credit card funding
- Read our full post
- Soft pull
- Can fund up to $2,000 with a Visa or Mastercard
- Direct deposit of $200+ required
California Credit Union – $250 – CA
Previously this was only $150.
- Read our full post
- Soft pull
- Can fund up to $500 with a credit card
- Direct deposit of $500+ required for three months
American Bank & Trust $250 – SD & MN, In Branch
No monthly fees to worry about.
- Read our full post
- Soft pull
- Unknown if credit card funding is possible
- Direct deposit required, no minimum
Savings Bank of Danbury $100-$300 – CT
Don’t think the $200 bonus is worth doing but both the $100 and $300 bonuses are.
- Read our full post
- Soft pull
- Unknown if credit card funding is possible
- Direct deposit required, amount varies on bonus
Community First Credit Union $200 Bonus – FL only
No monthly fees to worry about and a nice bit of credit card funding as well.
- Read our full post
- Soft pull
- Can fund up to $1,500 with a credit card
- Direct deposit of $300+ required
Independent Bank – $200 Bonus – MI
This has been $100 for some time, so nice to see it increased again.
Frontier Bank $200 Bonus – IA, MN, SD, NE, ND
Requirements are relatively easy to meet and they have an account with no monthly fees to worry about.
Provident Credit Union $300 Checking Bonus – CA
Would be higher but has been offered with no direct deposit in the past.
- Read our full post
- Hard pull
- Can fund up to $1,000 with a credit card
- No direct deposit required
Sacramento Credit Union $200 – CA
No monthly fee and at it’s highest level.
- Read our full post
- Soft pull
- Can fund up to $500 with a credit card
- Direct deposit required, no minimum
Credit Union One $200 Bonus – MI only
Not as good as the $300 previously offered.
- Read our full post
- Soft pull
- Can fund up to $600 with a credit card
- Direct deposit of $1,000 required
VyStar Credit Union $175 – FL, GA
Can also join if you’re past or present military.
SLFCU $150 Checking Bonus + $50 Referral – NM, CA, AZ, TX, CO
Make sure to use a referral for another $50.
- Read our full post
- Soft pull
- Unknown if credit card funding is possible
- Direct deposit of $100+ required but any ACH credit will work
Jovia Financial Credit Union $150 Checking Bonus – NY Only
Only requires a small direct deposit and no monthly fee.
- Read our full post
- Soft pull
- Unknown if credit card funding is possible
- Direct deposit of $100+ required
Lafayette Federal Credit Union $150 – MD, D.C., VA
Account has no monthly fees to worry about.
- Read our full post
- Soft pull
- Unknown if credit card funding is possible
- Direct deposit of $500+ required
Desert Financial Credit Union $100 Referral Bonus For Both Parties – AZ only
Requires a referral, but that potentially makes it more profitable for those that do sign up if you can refer some friends/family.
- Read our full post
- Soft pull
- Unknown if credit card funding is possible
- Direct deposit required, no minimum specified
Collins Community Credit Union $100 Bonus – IA only
No monthly fee to worry about and nice amount of credit card funding as well.
America First Credit Union $100 – No Requirements – UT, NV, AZ, ID, OR, NM
Has been as high as $200 in the past but with a lot more requirements.
- Read our full post
- Hard pull
- Unknown if credit card funding is possible
- Direct deposit not required
Power Financial Credit Union $100 – No Direct Deposit Required – FL only
Unfortunately seems to be a hard pull according to most people.
Andrews Federal Credit Union $150 – Washington D.C only
Unfortunately it’s ChexSystems sensitive.
Mainstreet Credit Union – $300 – KS & MO
Previously this was only $150.
- Read our full post
- Hard pull
- Can fund up to $505 with a credit card
- Direct deposit of $200+ required
Portland Federal Credit Union (PFCU) – MI – $100 Referral
This is a $100 referral bonus for both parties.
- Read our full post
- Soft pull
- Can fund up to $3,000 with a credit card
- Direct deposit required, no minimum specified
Verity Credit Union $100 Referral Bonus – WA
Nice bonus especially if you can refer a few people.
- Read our full post
- Soft pull
- Can fund up to $1,000 with a credit card
- Direct deposit of $500+ required
Greater Nevada Credit Union $100 – NV
Nice amount of credit card funding.
Heritage Credit Union $100 – WI & IL – In Branch
Pretty small bonus and it also needs to be opened in branch. At least there is no monthly fees to worry about.
California Coast Credit Union $100 Bonus – CA only
California Coast sometimes have good CD rates as well. This is a small bonus but worth doing if you’ve already done bigger bonuses listed above.
- Read our full post
- Soft pull
- Can fund up to $500 with a credit card
- Direct deposit of $500+ required for three months
USE Credit Union $100 Bonus – CA only
This is a referral bonus, so the bonus referring you will also receive $100.
- Read our full post
- Soft pull
- Unknown if credit card funding is possible
- Direct deposit of $500+ required
Heritage Credit Union – WI & IL only – $100 Bonus
No monthly fees to worry about but a relatively small bonus.
Prestige Community Credit Union – TX – $200
There is also a $100 referral bonus but they can’t be stacked.
- Read our full post
- Soft pull
- Unknown if credit card funding is possible
- Direct deposit of $400+ required
Lafayette Federal Credit Union $100 – MD, D.C. & VA
You can get additional bonuses up to $750, but most of that is closing costs on a mortgage.
- Read our full post
- Soft pull
- Unknown if credit card funding is possible
- Direct deposit of $500+ required
Financial Partners Credit Union – CA – $100 Referral Bonus
No monthly fees and the fact that it is a referral bonus makes this more attractive.
- Read our full post
- Soft pull
- Unknown if credit card funding is possible
- Direct deposit of $500+ required
Western State Bank – $100 – AZ, ND, MN – In Branch Only
Another relatively small in branch bonus, still worth doing if you live near a branch and have done the bigger bonuses listed above.
The Bank of Princeton $100 Checking Bonus – NJ & PA, In Branch
No monthly fee is required which is nice.
- Read our full post
- Soft pull
- Unknown if credit card funding is possible
- Direct deposit of $500+ required
City National Bank – $100 Checking – VA, WV, OH – In Branch
Not the most attractive offer given that it’s only $100 and in branch only, but still worth considering for those that have done the bigger bonuses above.
Mountain America Credit Union $100 UT, ID, NV, NM, MT, AZ
Might be available in other states as well.
- Read our full post
- Hard pull but reports of soft pull
- Direct deposit required, no minimum
- Can fund with a credit card, but comes with a fee
Neighborhood Credit Union $300 Checking Bonus – TX
Previously this was only a $100 bonus, so it’s nice to see it increased by such a huge amount.
- Read our full post
- Hard pull
- Unknown if credit card funding is possible
- Direct deposit of $500+ required
Highly Region Specific/Branch Specific
Redstone Federal Credit Union $500 – AL, TN
Offer available to residents in Cullman, Jackson, Limestone, Marshall, DeKalb, Morgan and Lawrence Counties in Alabama, or Bedford, Cannon, Lincoln, Moore, Rutherford, and Williamson Counties in Tennessee. There is also a $200 youth savings bonus.
TTCU Federal Credit Union $500 – OK Select Branches
Fantastic bonus if you live near a branch.
- Read our full post
- Soft pull
- Unknown if credit card funding is possible
- Recurring $500+ direct deposit required
Picatinny Credit Union $285 NJ – Morris County, New Jersey. Morris Essex Union Somerset
Available in more counties now as well.
- Read our full post
- Soft pull
- Can fund up to $500 with a credit card
- Direct deposit of $500+ required
Valley Strong Credit Union $250 – Direct Deposit Not Required – CA, Select Counties
Unfortunately only available in Tulare, San Joaquin and Solano Counties.
MyUSA Credit Union $200 Checking Bonus – OH – No Requirements
Must live/work/learn in Butler, Clark, Greene, Miami, Montgomery or Warren County in OH only
- Read our full post
- Soft pull
- Can fund up to $500 with a credit card
- No direct deposit required
Southland Credit Union $200 Checking Bonus – CA Long Beach
Only available at the long beach location.
City National Bank VA, WV, OH, In Branch only – $200 Bonus
This has been available online in the past, but currently in branch only.
- Read our full post
- Soft pull
- Unknown if credit card funding is possible
- Direct deposit of $200+ required
Expedition Credit Union $200 – MN
This is only available in the following counties:
- Anoka county
- Dakota county
- Hennepin county
- Ramsey county
- Washington county
San Mateo Credit Union $100 Bonus – Direct Deposit Not Required – CA Only
Only available in San Mateo County, the City of Palo Alto, or certain areas of San Francisco.
- Read our full post
- Soft pull
- Can fund up to $500 with a credit card
- Direct Deposit not required
Green State Credit Union $100 Checking Bonus – IA & IL, Direct Deposit Not Required
Just requires 12 debit card transactions to trigger the bonus.
- Read our full post
- Soft pull
- Unknown if credit card funding is possible
- Direct deposit not required
Purdue Federal Credit Union $400 IN, Lake & Porter County
Bonus was previously only $150.
- Read our full post
- Soft pull
- Direct deposit required, but fine print says any ACH will work
- Can fund up to $250 with a credit card
Recent Changes
- [6/8/25] Added Provident Credit Union – $300 – CA, In Branch
- [6/8/25] Added First National Bank (FNB) $700 Checking Bonus – PA, OH, MD, DC, VA, NC, SC, WV
- [6/8/25] Added CIT Bank $100 Checking Bonus, Direct Deposit Not Required
- [6/3/25] Added Trustco Bank $250 + Ring Doorbell Checking Bonus – FL, MA, NJ, NY, VT
- [6/2/25] Removed CIT Bank $225/$300 Savings Bonus
- [6/1/25] Removed Capital City Bank – $250 – FL, Bay and Walton counties
- [5/25/25] Added FNBO Bank – $250 IL, NE, KS, TX, CO, In Branch
- [5/25/25] Added Eastern Bank $300/$450 Checking Bonus – MA, NH, ME, RI
- [5/25/25] Added Flushing Bank $350 Bonus – NY & NJ
- [5/25/25] Removed Home Federal Savings Bank $290 – MN & IA only
- [5/24/25] Removed Hudson Valley Federal Credit Union $500 Checking Bonus, Direct Deposit Not Required – NY
- [5/24/25] Removed Hudson Valley Federal Credit Union $750 – $1,500 Business Checking Bonus – NY, In Branch
- [5/22/25] Added Wells Fargo $400 Checking Bonus
- [5/20/25] Added WinTrust Bank $300 Checking – IL, FL, WI, IN, MI only
- [5/20/25] Added Fairwinds Credit Union $175 Referral Bonus
- [5/20/25] Added Credit Union One $200 Bonus – MI only
- [5/20/25] Added Penn Community Bank $300 – PA, NJ Direct Deposit Not Required
- [5/20/25] Added Tower Federal Credit Union $300 Bonus – MD, DC, DE, PA, VA, WV
- [5/20/25] Added Veridian Credit Union $300 – IA, MN, NE
- [5/20/25] Added Flagstar Bank $1,000 – AZ, CA, FL, IN, MI, NJ, NY, OH, WI, In Branch
- [5/12/25] Added Old National Bank – IL, IN, KY, MI, MN & WI, In Branch
- [5/12/25] Added Union Bank & Trust – $500 – NE & KS Only
- [5/9/25] Removed Penn Community Bank $350 – PA, Direct Deposit Not Required
- [5/7/25] Removed HomeTrust Bank $400 Bonus In Branch NC, SC, TN, VA
- [5/7/25] Removed Trustco Bank $250 Checking Bonus + Stanley Cup – FL, MA, NJ, NY, VT
- [5/7/25] Added TD Bank $500 – CT, DC, DE, FL, MD, ME, MA, NC, NH, NJ, NY, PA, RI, SC, VT, & VA
- [5/7/25] Added S&T Bank $900 – PA & OH
- [5/7/25] Added FirstBank $350 – TN, GA, AL
- [5/7/25] Added HarborOne Bank $600 Checking & Savings Bonus – MA, NH, and RI
- [5/7/25] Added Newtown Savings Bank (NSB) $250 Bonus – CT & Select Counties In NY only
- [5/4/25] Removed Barclays $200
- [5/3/25] Removed Seacoast Bank $400 – FL Only
- [5/2/25] Added U.S. Bank $450 + $80 Checking Bonus
- [4/29/25] Added Ameriprise Financial $450
- [4/29/25] Added The Police Credit Union $300
- [4/29/25] Added Capital City Bank – $250 – FL, Bay and Walton counties
- [4/22/25] Added Trustco Bank $250 Checking Bonus + Stanley Cup – FL, MA, NJ, NY, VT
- [4/22/25] Added Hudson Valley Federal Credit Union $500 Checking Bonus, Direct Deposit Not Required – NY
- [4/19/25] Removed U.S. Bank $450 + $80 Checking Bonus
- [4/16/25] Removed Chartway Federal Credit Union $300, Direct Deposit Not Required – VA, NC, TX, UT, NV
- For changes before, click here.
If you know of any better bank account bonuses, let us know in the comments section and we will add them.
https://www.youtube.com/watch?v=mjgeuhMmYvg
for $40? we’ve got bigger fish to fry…
Anyone know a fast way to get funds into Fidelity? I tried linking via Ally but the trial deposits failed. Fidelity takes so damn long to settle the funds when I pull into it.
How did it fail? Was it because the account number is too long? You can try getting a checkwriting account number. Supposedly you don’t even have to enable it:
reddit.com/r/fidelityinvestments/comments/16taffz/comment/k2ji6mz/
As AN said, best way I have seen is request a Fidelity checkbook, and you will have the slightly shorter account number and RTN. Then use a bank like LendingClub that allows you to link an account, without using Plaid type services, to push funds in. Takes one business day to be available.
If you are in a time crunch now and cannot wait for a checkbook, not sure what could be done other than wire transfers. I’d assume those do not require a waiting period to show as available.
Davis
I did not enable checkwriting on the Fidelity account when I added it to Ally via trial deposits years back, I used the long account number.
An
I thought it was worth a shot because of this:
reddit.com/r/Fidelity/comments/sps49h/comment/hwnajeu/
Things could have changed over the years. But I agree it can help a lot to have the shortened account number.
I just checked my Ally account, it is listed as a Checking account, and I am pretty sure I wouldn’t have selected money market checking at the time when I did it. I do not think this matters, but FWIW, the Fidelity account I added to Ally is a brokerage account (the one I added to LendingClub is a CMA account). And based on the emails, I can confirm I used the 17-digit long account number.
An
Yeah, I think most institutions I used worked fine with the 17-digit number. I added a 17-digit brokerage account number via trial deposits to LendingClub last week.
Interesting. I was able to add Fidelity to Ally and LendingClub via trial deposits using the long account number shown online, but this was years back.
An 
Gadget
I agree with Gadget that wire transfer would be a good and fast option, which I use to send funds when there is little time left to do ACH. Domestic wire transfers generally arrive at the destination the same business day if you send it before the originating bank’s cutoff time, but it may vary depending on the processing time of the receiving bank.
Davis
I was able to get Ally to recognize it as a money market checking. Trying just checking didn’t work.
Wells Fargo DD req is 3000 not 1000 – need to update this page. It’s correct on the details page just not here
Any suggestions which non-Chex/EWS-sensitive banks to shoot for after already opening 6 new checking/savings/fintech accounts in the last 6 months?
Depends which 6 you have done, and are due for churning. Typically any on the “best list” are fair game.
Also, any of the ones that don’t pull Chex or EWS are the ones (almost) anyone can do without consequences. (Sunward, Chime, On Tap)
Yea, I’ve done Sunward and Chime already (On Tap is CO only). So I was hoping to see a list of more banks like this.
On Tap is available nationwide. Check out the comments in the post.
On Tap is nationwide with a $5 donation
This comment of mine would probably be of interest to you based on your last comment: #2038985 .
Ignore Langley as the $100 offer is no longer available.
Does Treasurey Direct count as Direct Deposit for On Tap.
It did for me #2050013
Got an email from Citizens
Open a savings account and deposit $200 in July, August, and September each month for a $200 bonus by Oct 31 2025.
May be targeted to current checking owners? I don’t see it on the site. My email URL has this embedded though: promocode=VST25C2SAVOD
To earn a $200 bonus, open your first new One Deposit Savings from Citizens® or any personal savings account between 6/1/25 and 6/30/25 and make at least one single deposit of $200 or multiple deposits totaling $200 or more post into the new savings account every month for three consecutive months, starting the month after the account is opened, as stated in the table below. A total of $600 must be on deposit in the new savings account as of the date stated in the table below. You must also have an existing personal checking account or open a new personal checking account between 6/1/25 and 6/30/25. Qualifications: Primary signer on the new savings account may not be or have been a signer on any Citizens personal savings account within the previous six months. Your new savings account must have a balance of $600 and your new or existing checking account must have a balance greater than zero and both must remain open and active through the payout date stated in the table below to qualify for this offer. Any account that remains at a zero balance may be closed if it is not funded. Eligibility: This offer is only available to the individual addressed on this email. Retain this email for your records. Customer will only be paid a one-time bonus for this program. Only one savings account is eligible for a bonus. Offers may be withdrawn without notice and cannot be combined with any other savings offer. Offer eligibility is determined at Citizens’ sole discretion. Payout: Bonus will be deposited to the checking account by the date stated in the table below and will be labeled as “Balance Builder Bonus.” If your checking account is closed prior to payout date stated in the table below, then your new savings account will also no longer be eligible for this offer. Bonus will be reported to the IRS for income tax purposes. We have multiple savings options, for example if you open One Deposit Savings: Just one deposit of any amount each monthly maintenance fee period OR a $200 minimum balance waives the $4.99 monthly maintenance fee on a One Deposit Savings account. Variable-rate Annual Percentage Yield (APY) for Citizens One Deposit Savings varies by tier. For example, as of 5/9/25, APY by tier for One Deposit Savings is: 0.01% for tiers below $1,000, $1,000+, $2,500+, $10,000+, $25,000+, $50,000+, $75,000+, $250,000+ and $1,000,000+. Fees may reduce earnings. Rates subject to change before or after account opening.
I had an interesting call from ontap cu fraud department today after applying with an e-mail address on a custom domain ([email protected]) and they were just confirming it was me that applied since it was a ‘new e-mail’ address. I guess since it’s not an e-mail on EWS (I think) then it’s considered a new e-mail and may trigger a fraud risk on their side? I forgot to ask what she was basing the fact that it was a ‘new e-mail address’ on.
I think I’ve seen 1 other person on here using a custom domain, so maybe I should just stick to a known e-mail (not even sure what that would be, gmail/yahoo/microsoft?) for bank bonuses? Thoughts? Thanks in advance!
SouthEast Bank Bonus (TN Only), open a Checking and Savings account the same business day and get $300 for meeting requirements and keeping both open. New customers that haven’t had a checking/savings with the bank for 12 months or longer. Full list or terms and conditions on the website.
https://www.southeastbank.com/summer-savings/
Post from 2021 has DP saying OOS account was manually closed after opening.
Perhaps worth putting in as a local one, particularly given this condition from the website “Must mention this offer in-branch to be eligible.”
The terms say “Must use promo code online or mention this offer in-branch to be eligible,” so it’s not in-branch only
SouthEast Bank Bonus (TN Only), get $400 when you open a new Business checking account and meet the requirements.
https://www.southeastbank.com/core-400/
Hello,
How does everyone deal with the direct deposit requirement? It seems that would be a long confusing thing to set up.How does this work?
Thanks
Not all offers have a Direct Deposit requirement. Also, some people do have very flexible payroll systems via their work and can change it online, without going through HR.
Most offers can be tricked by using ACH transfers as your Direct Deposit, but you have to look at it on a case-by-case basis. Commonly, Fidelity & Schwab brokerage ACH, and Treasury Direct T-bill redemption work as a Direct Deposit at the majority of banks & credit unions. However, it can vary and not a guarantee.
Ann Wilson
https://go.psecu.com/promo?utm_campaign=300promo&utm_source=ppc&https://go.psecu.com/promo?utm_campaign=300promo&utm_source=ppc&gad_source=1&gad_campaignid=15570935170&gbraid=0AAAAADGywj8KeQmOlFDr1F28yRJ3W_8wD&gclid=Cj0KCQjw0erBBhDTARIsAKO8iqRm944rmJ49Hc93QGdXODbh9a_WOyIgKnH23C2rk8AvmUtNGkoSwA0aAt0aEALw_wcB&gclsrc=aw.ds
Unsure if they are FDIC insured, but seems like a good churn
FDIC insures banks, not credit unions. PSECU is insured by the NCUA.
There’s already a DoC post for this offer here: https://www.doctorofcredit.com/pa-only-psecu-100-250-checking-bonus/
#1. There’s already a post for the $300 PSECU offer here: https://www.doctorofcredit.com/pa-only-psecu-100-250-checking-bonus/.
#2. PSECU is a CU so they are insured by the NCUA, not the FDIC.
Many people have churned PSECU. You just need to wait one year from last account closing date, not last bonus.
Pantone
PSECU recently stopped doing a Hard Pull of credit, which I am sure was a MAJOR pet peeve or hinderance for many that would have gone after the bonus. Now they just Soft Pull Experian, and do still pull Chex, but not inquiry sensitive. Nationwide, and no fee to join – They completely cover any cost now. Don’t forget to use a referral and make someone else $50; it will make their day.
Are you sure they stop doing a hard pull? I do not see the info on the DoC post. Better confirm this before going. Hard pull for a checking account sounds silly, and I think this point is really important for many DoC visitors here, at least for me.
100% sure. The Hard Pull of credit stopped about a year ago.
For example… How many DoC posts say “Unknown” for Chex, where it’s well known?
Examples of change:
Chex says “No” on DoC.
https://www.doctorofcredit.com/md-dc-de-pa-va-wv-tower-federal-credit-union-300-checking-bonus/
100% pulls now.
Chex says “Yes” on DoC, but didn’t pull as past customer. Not sure about new customers.
https://www.doctorofcredit.com/washington-d-c-only-andrews-federal-credit-union-150-checking-bonus/
Chex says “Yes” on DoC, doesn’t pull now.
https://www.doctorofcredit.com/nm-ca-az-tx-co-sunward-225-checking-bonus/
Don’t pigeon hole yourself into thinking changes don’t happen.
Decided to look it up… The first report of no Hard Pull for PSECU was in January.
https://www.doctorofcredit.com/pa-only-psecu-100-250-checking-bonus/#comment-1979287
Feel free to share contradictory DP’s.
Alex
Thanks for your kind reply! I apologize for being kind of rude and skeptical so that you have to be defensive… I understand fully that DoC posts may not be accurate. That is just natural since things change every day… People here are posting voluntarily to help each other for better financial situations, and I believe no one is at fault even by providing outdated information. At least it is much better than nothing and I have benefited already so tremendously! My intention was really for double checking the situation since hard pull is really one of the most important things for churners like me to sustain continuous “perks” from various financial institutions. Also this is not easily proved or disproved since one has to apply and check if there is new item on the credit report at own risk… Therefore ensuring it is exactly the case sounds really the great thing!
Not sure if I would try to turn it. Last time I tried to turn PSECU, the Rep on the phone said
“why do you have so many inquiries, what are you doing here? did you close the acct last time to take advantage of the promo?”
Is “turn” the new word for “churn”? 😀
BTW, how did you answer the rep and did you end up getting approved?
Opps…lol 🙂
My answer usually is “I am shopping around for rates..”
I am pretty sure I said “No” in regards to taking advantage of the account promo.
No, I did not get approved.
You saying “No” was a true statement. You closed the account to take advantage of the next promo. Next time, they should be more clear in their questions. 😀