Best Bank Account Bonuses For May, 2019
Below we’ve listed the best checking & saving account bonuses in order from best to worst for May, 2019. 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 Because of this the comment section might contain discussion about deals that are no longer current, please keep that in mind.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 $300 Checking Bonus
- 1.2 Wells Fargo $400 Checking Bonus
- 1.3 Citi $200/$400/$500/$600 Checking Bonus – No Direct Deposit Required
- 1.4 PNC $200/$300 Checking Bonus
- 1.5 HSBC – Up To $750 Bonus – No Direct Deposit Required
- 1.6 Xceed Financial Credit Union $200 Referral Bonus
- 1.7 Elements Financial $200 Bonus
- 1.8 Bank of America $100/$300 Bonus
- 1.9 Aspiration Checking $100 Bonus
- 1.10 Discover Checking Account – $30 Per Month ($210 Maximum)
- 1.11 Charles Schwab $100 Bonus
- 1.12 Christian Community Credit Union – $200 Bonus – Must Be A Member of A Christian Ministry
- 2 Best Saving Account Bonuses
- 2.1 Discover $150/$200 Savings Bonus
- 2.2 Capital One $200-$500 Money Market Bonus
- 2.3 Chase $200 Savings Bonus
- 2.4 Chase $150 Savings Bonus – In Branch
- 2.5 HSBC $125 Savings Bonus
- 2.6 BBVA Compass $100 Money Market Bonus
- 2.7 Hancock Whitney $100 Savings – LA, MS, FL, AL, TX
- 2.8 Fidelity Bank $100 Savings – Northeastern PA only
- 3 Best Business Bank Bonuses
- 3.1 Wells Fargo $1,000 Business Checking
- 3.2 First Midwest Bank $500 Business Checking Bonus – In Branch – IL, IN, IA
- 3.3 M&T Bank $400 Checking Bonus – CT, DE, D.C., MD, NJ, NY, PA, VA, WV, In Branch
- 3.4 Chase $300 Business Checking
- 3.5 BMO Harris $200/$500 Business Checking Bonus – AZ, FL, IL, IN, KS, MO, MN and WI
- 3.6 Bank & Trust $350 Business Checking Bonus – NM
- 3.7 Columbia Bank $300 Business Checking – WA, OR, ID & In Branch
- 3.8 SunTrust $200 Business Checking – AL, AR, FL, GA, MD, MS, NC, SC, TN, WV, VA, and D.C Only
- 3.9 PNC $200 Business Checking AL, DC, DE, FL, GA, IL, IN, KY, MD, MI, MO, NC, NJ, NY, OH, PA, SC, VA, WI and WV
- 3.10 Flushing Bank $200 Business Checking Bonus – NY & NJ
- 3.11 VantageWest $200 Business Checking – AZ & In Branch only
- 3.12 Provident Credit Union $150 In Branch Business Checking Bonus – CA
- 3.13 First Tennessee $300 Business + $150 Savings In Branch Bonus
- 3.14 Columbia Bank $300 Business Checking – NJ only
- 3.15 WinTrust Bank $300 Checking Business Checking – IL only
- 3.16 MidFirst Bank $250 Business Checking Bonus – OK, AZ
- 3.17 Santander $250 Business Checking Bonus – NH, MA, RI, CT, DE, NY, NJ & PA
- 3.18 Liberty Bank – $100 Business Checking Bonus – CT, MA, RI
- 4 Best State Specific Bonuses
- 4.1 PeoplesBank (Bankatpeoples) $400 Bonus- MA & CT – No Direct Deposit
- 4.2 TD Bank up To $300 Checking Bonus [CT, DC, DE, FL, MD, ME, MA, NC, NH, NJ, NY, PA, RI, SC, VT, & VA]
- 4.3 FirstBank $300 – CA, AZ, CO – Direct Deposit Optional
- 4.4 Investors Bank $250 In Branch Checking Bonus – NY & NJ – Direct Deposit Not Required
- 4.5 Eastman Credit Union – $250 Bonus – TN, TX & VA – Direct Deposit Optional
- 4.6 SunTrust Up To $750 Checking Bonus [AL, AR, FL, GA, MD, MS, NC, SC, TN, WV, VA, and D.C Only]
- 4.7 Washington Savings Bank $300 Bonus – MA Only
- 4.8 KeyBank $300 Bonus – OH, PA, CT, WA, CO, NY
- 4.9 KeyBank $300 Bonus – OH, PA, CT, WA, NY, CO
- 4.10 Bank & Trust $300 Bonus – LA & MS
- 4.11 ACNB/NWSB – $300 Bonus – PA & MD only
- 4.12 North Shore Community Bank $300 Checking Bonus – IL, In Branch only
- 4.13 Ridgewood Savings Bank – $250-$350 Bonus – NY & CT only
- 4.14 OneWest Bank $250 Checking Bonus – Direct Deposit Not Required – Southern CA Only
- 4.15 bankESB (East Hampton Savings Bank) $200 – Direct Deposit Not Required – MA
- 4.16 Associated Bank – $175 Bonus – No Direct Deposit – IL, MN, & WI only
- 4.17 Ballston Spa National Bank (BSNB) $250 Checking Bonus – Some Areas of NY
- 4.18 Regions Bank $200 Checking Bonus + $50 Referral – AL, AR, FL, GA, IL, IN, IA, KY, LA, MS, MO, NC, SC, TN & TX
- 4.19 My Northwest Bank $200 Bonus – PA, NY, MD, OH only
- 4.20 KeyBank $300 Bonus – NY, CO, IN, CT, ME, OR, WA, UT
- 4.21 M&T Bank $100-$250 Checking Bonus – CT, DC, DE, MD, NJ, NY, PA, VA, WV
- 4.22 State Bank Of India (California) $150 – CA only
- 4.23 CBT Bank $150 Bonus – PA In Branch – Direct Deposit Not Required
- 4.24 South State Bank – $100 Bonus – GA, NC, SC – No Direct Deposit Required
- 4.25 Capital Bank $200 + $50 Checking Bonus – FL, NC and SC
- 4.26 Dollar Bank $200 Bonus – OH, VA & PA
- 4.27 Macatawa Bank $100 Checking Bonus – MI – No Direct Deposit Required
- 4.28 Westfield Bank $100 Bonus – Direct Deposit Not Required – MA Only And Must Be 16-25
- 4.29 BMO Harris $300/$500 Checking Bonus – AZ, FL, IL, IN, KS, MO, MN and WI
- 4.30 Bank & Trust /$350 Checking Bonus – CO, IL, WI, MT, CA, AZ, TX, NM & IA
- 4.31 FirstBank $250 – TN, GA, AL
- 4.32 BBVA Compass $250 Checking Bonus – Arizona Only
- 4.33 Five Star Bank – $150/$250 Checking Bonus – NY
- 4.34 PeoplesBank $200 Checking Bonus – MD & PA
- 4.35 BB&T $200 Bonus -AL, DC, FL, GA, IN, KY, MD, NC, OH, SC, TN, TX, VA, WV- No Direct Deposit Required
- 4.36 San Mateo Credit Union $100 Checking Bonus – CA only – Direct Deposit Not Required
- 4.37 Flushing Bank $200 Bonus – NY & NJ
- 4.38 Sunflower Bank $200 – AZ, MO, NM, KS & CO and TX
- 4.39 Columbia Bank $200 – WA, OR, ID & In Branch
- 4.40 Fidelity Bank $200 Checking Bonus – Northeastern PA only
- 4.41 Westfield Bank $200 – MA, CT
- 4.42 Bank & Trust $200/$350 Checking Bonus – AZ, IA, IL, WI, CO, NM, MT, CA, TX
- 4.43 SECU $200 Checking Bonus – MD Only
- 4.44 Farmers & Merchants State Bank – $200 Checking Bonus – Must Be Under 25 & OH, IN & MI Only – Direct Deposit Not Required
- 4.45 Community First Credit Union $160 Bonus – FL only
- 4.46 Southland Credit Union $175 Bonus – CA
- 4.47 Liberty Bank – $100 Checking Bonus – CT, MA, RI
- 4.48 Dearborn Savings Bank $128 Bonus + $100 Per Year – IN only
- 4.49 Old Second Bank $150 Bonus – IL only
- 4.50 LegacyTexas $150 Checking Bonus – TX only
- 4.51 JSC Federal Credit Union $100 – TX only
- 4.52 Ameris Bank $100 Checking Bonus – FL, GA, SC, AL
- 4.53 Western State Bank – $100 – AZ ND – In Branch Only
- 4.54 Heritage Credit Union $100 – WI & IL – In Branch
- 4.55 Bar Harbor Bank & Trust – $100 – ME & NH, In Branch Only
- 4.56 City National Bank – $100 Checking – VA, WV, OH – In Branch
- 4.57 JSC Federal Credit Union $100 Checking Bonus – TX only
- 5 Highly Region Specific/Branch Specific
- 5.1 Lakeland Bank $300 Checking Bonus – No Direct Deposit Required, Clifton NJ only
- 5.2 University Federal Credit Union $300 Bonus – Salt Lake County Utah
- 5.3 Picatinny Credit Union $175 Checking Bonus – Morris County, NJ only
- 5.4 Star One Credit Union $120 Checking Bonus + $60 Per Referral, No Bonus Requirements – Santa Clara, CA only
- 5.5 Lyons National Bank $175 Checking Bonus – Cayuga County, NY
- 5.6 Unify Financial Credit Union $150 Bonus – Collin County, TX
- 6 Recent Changes
Best Checking Account Bonuses
Chase $300 Checking Bonus
One of the all time great bonuses that is regularly offered, this is one I recommend readers do whenever they are eligible. It does require a direct deposit but because it’s so popular there are a lot of data points on what does/doesn’t work and there is no minimum direct deposit required. Can also be paired with a savings bonus (see below). If you do both the checking & savings bonus you can get a further $100 bonus as well, but this has new language in it that restricts you from getting based on when you last opened a Chase deposit account.
- Read our full post
- Soft pull
- No credit card funding
- Direct deposit with no minimum required
Wells Fargo $400 Checking Bonus
Huge bonus and recent data points suggest ACH is working fine for the direct deposit, but bonuses take awhile to actually post. .
- Read our full post
- Soft pull
- Can fund up to $50 with a credit card
- Direct deposit of $3,000+ per month for three months required
Citi $200/$400/$500/$600 Checking Bonus – No Direct Deposit Required
Direct links to offer: $200 | $400 | $600
No direct deposit is required, but a balance of $5,000/$15,000/$50,000 is required for 60 days. I only really think the $200/$400 bonus is worth doing, especially as $50,000 is required for the $600 bonus to keep the account fee free. You can also get an additional $100 on the $400 bonus by doing a direct deposit.
- Read our full post
- Soft pull
- No credit card funding
- Direct deposit not required
PNC $200/$300 Checking Bonus
Previously this was only available in selected states, it’s now available nationwide. It does require quite high direct deposit requirement, but lots of data points on what does/doesn’t work. Might be able to get a $400 in branch offer as well.
- Read our full post
- Soft pull
Can fund up to $2,000 with a credit card.Unfortunately this now codes as a cash advance- $5,000 direct deposit required for full $300 bonus
HSBC – Up To $750 Bonus – No Direct Deposit Required
HSBC can be a big pain to deal with, so make sure you read the comments to understand what you’re getting yourself into before signing up. I don’t think the $750 bonus is worth doing, but the $350 bonus is.
- Read our full post
- Soft pull
- Direct deposit not required
- No credit card funding
Xceed Financial Credit Union $200 Referral Bonus
Requires a referral and also overdraft protection. Usually overdraft protection results in a hard pull, but it looks like you can avoid this by selecting “order of sources” as savings transfer and not line of credit as per this comment. Bonus itself is good, especially if you can get a friend or family member to refer you and split their $200 bonus or if you can refer some friends/family members yourself.
- Read our full post
- Soft pull
- Unknown if credit card funding is possible
- Direct deposit of $500+ required for two months
Elements Financial $200 Bonus
Monthly fee is waived with eStatements, also comes with an option to earn 2% APY on your balance but not that interesting given the current interest rates on offer. It was briefly to bypass the ChexSystems sensitivity, but that’s sadly no longer the case.
Bank of America $100/$300 Bonus
First check to see if you’re targeted for the $300 bonus, if you are do that. The $100 bonus isn’t as good as the $150 referral bonus that was offered earlier in the year, but not everybody was able to get in on that and this is a good back up offer.
- Read our full post
- Soft pull
- No credit card funding, can fund with a debit card up to $250
- Two direct deposits of $250+ each is required
Aspiration Checking $100 Bonus
Not a massive bonus, but no monthly fees to worry about and only a very small direct deposit required.
- Read our full post
- Soft pull
- No credit card funding
- Direct deposit of $10+ required
Discover Checking Account – $30 Per Month ($210 Maximum)
Really only attractive for people that can spend a lot on their debit card and wouldn’t be able to put that spend on a credit card (otherwise just use a 2% credit card).
- Read our full post
- Soft pull
- No credit card funding
- No direct deposit required
Charles Schwab $100 Bonus
Usually bank bonuses with a hard pull don’t make it to this page, this one is interesting 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
- Hard pull to open
- No requirements for bonus
- Unknown credit card funding
Christian Community Credit Union – $200 Bonus – Must Be A Member of A Christian Ministry
The Christian Ministry requirement seems to be enforced and will rule out a lot of people, if you are eligible though this is a great deal.
- Read our full post
- Soft pull
- Direct deposit with no minimum specified
- Can fund up to $100 for checking account and $500 for CD with a credit card.
Best Saving Account Bonuses
Discover $150/$200 Savings Bonus
Requires deposits of $15,000/$25,000, the great thing about this bonus is that cumulative deposits work (e.g depositing/withdrawing $5,000 three times) and there is no deposit length requirement. Easily the best savings bonus currently being offered.
- Read our full post
- Soft pull
- No credit card funding
- Deposit of $15,000/$20,000 required
Capital One $200-$500 Money Market Bonus
Requires a deposit of $10,000-$50,000 for 90-100 days. Account earns currently 2% APY interest so it makes sense if you have the cash.
- Read our full post
- $10,000-$50,000 deposit required must be maintained for 90-100 days
- Soft pull (as long as you opt out of overdraft protection)
- No credit card funding
Chase $200 Savings Bonus
Requires a deposit of $15,000 for 90 days, makes sense for someone who doesn’t want to tie up $25k with the $300 offer. If you do both the checking & savings bonus you can get a further $100 bonus as well, but this has new language in it that restricts you from getting based on when you last opened a Chase deposit account.
- Read our full post
- $15,000 deposit required must be maintained for 90 days
- Soft pull
- up to $500 in credit card funding (beware of cash advance issue)
Chase $150 Savings Bonus – In Branch
Requires a deposit of $10,000 for 90 days. They often offer $200 for a deposit of $15000 for 90 days.
- Read our full post
- $10,000 deposit required must be maintained for 90 days
- Soft pull
- Can’t fund with a credit card
HSBC $125 Savings Bonus
Previously this offer was $100, now it’s $125. You should be able to use funds in this account to qualify for the checking bonus for up to $700 as well. I’d open the checking account first as that bonus is much larger.
BBVA Compass $100 Money Market Bonus
Most annoying part of this bonus is that it requires $10,000 in the account to keep fee free and the account must be kept open for 12 months otherwise you forfeit the bonus. The upside is that the account itself earns 2.4% APY which is competitive compared to other basic savings rates.
- Read our full post
- Soft pull
- No credit card funding, you can usually fund $500 with BBVA compass but not possible this time
Hancock Whitney $100 Savings – LA, MS, FL, AL, TX
Nice bonus because only $2,000 is required to get the full $100 bonus.
Fidelity Bank $100 Savings – Northeastern PA only
Can be combined with the $100 checking bonus they also offer.
- Read our full post
- Deposit of $10,000 required for 30 days
- Soft pull
- Can fund up to $500 with a credit card
Best Business Bank Bonuses
There are a lot less business bank bonuses than personal bonuses, you can view all of them here.
Wells Fargo $1,000 Business Checking
Definitely worth doing if you haven’t done it before. The $1,000 bonus is more difficult than the $500 bonus previously offered as it requires depositing $25,00 and realistically that needs to be kept deposited for 210 days.
- Read our full post
- Soft pull
- Direct deposit not required
- No credit card funding
First Midwest Bank $500 Business Checking Bonus – In Branch – IL, IN, IA
Huge bonus and bonus requirements are easy to meet as well.
- Read our full post
- Soft pull
- No credit card funding
- No direct deposit required
M&T Bank $400 Checking Bonus – CT, DE, D.C., MD, NJ, NY, PA, VA, WV, In Branch
Really easy bonus, just need a balance of $5,000 on the 90th day after the account was opened.
- Read our full post
- Soft pull
- No credit card funding
- No direct deposit required
Chase $300 Business Checking
Nice big bonus and easy to meet requirements.
- Read our full post
- Soft pull
- No credit card funding
- No direct deposit required
BMO Harris $200/$500 Business Checking Bonus – AZ, FL, IL, IN, KS, MO, MN and WI
The bonus you go for will really depend on whether you can float $5,000 or only $1,500. Either way, both bonuses are definitely worth doing.
- Read our full post
- Soft pull
- Cannot fund with a credit card
- Direct deposit not required
Bank & Trust $350 Business Checking Bonus – NM
Bank & Trust has many sub brands, but this time only the one in New Mexico is eligible for this bonus for some reason. Hopefully it opens to more states soon.
- Read our full post
- Soft pull
- Can fund up to $2,000 with a credit card, American Express not accepted
- Direct deposit not required
Columbia Bank $300 Business Checking – WA, OR, ID & In Branch
Really easy bonus to reach the requirements for, just deposit $500 and maintain that for the first 90 days.
- Read our full post
- Soft pull
- No credit card funding
- Direct deposit not required
SunTrust $200 Business Checking – AL, AR, FL, GA, MD, MS, NC, SC, TN, WV, VA, and D.C Only
Bonus requirements are very easy (deposit $1,500 or more) and there is no monthly fee to worry about. Must do if you live in the area.
- Read our full post
- Soft pull
- No direct deposit required
- Up to $100 in credit card funding. Lots of cash advance data points.
PNC $200 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.
- Read our full post
- Soft pull
- Unknown if credit card funding is possible
- Direct deposit not required
Flushing Bank $200 Business Checking Bonus – NY & NJ
Bonus requirements are easy to meet and there are no monthly fees to worry about.
- Read our full post
- Soft pull
- Unknown credit card funding
- Direct deposit not required
VantageWest $200 Business Checking – AZ & In Branch only
They also have a $200 personal checking bonus worth doing, that can be opened online but this one requires going into a branch which will be a turn off for a lot of readers.
- Read our full post
- Soft pull
- Credit card funding of $2,000+ required
- Direct deposit not required
Provident Credit Union $150 In Branch Business Checking Bonus – CA
Used to require a balance of $10,000 to keep fee free, but that is no longer a requirement making this bonus worth doing if you live near a branch.
- Read our full post
- Soft pull
- Credit card funding up to $1,000
- Direct deposit not required
First Tennessee $300 Business + $150 Savings In Branch Bonus
Needs to be open in branch and requires a daily balance of $10,000 to keep fee free, apart from that this is a great bonus and worth doing if you live near a branch.
- Read our full post
- Soft pull
- No credit card funding
- Direct deposit not required
Columbia Bank $300 Business Checking – NJ only
Needs a $10,000 minimum balance on the date your account has been opened for six months, meaning you can just transfer it in slightly before that date to trigger the offer.
- Read our full post
- Soft pull
- No credit card funding
- No direct deposit required
WinTrust Bank $300 Checking Business Checking – IL only
Usually available at other WinTrust brand banks as well.
MidFirst Bank $250 Business Checking Bonus – OK, AZ
Fairly easy to meet the requirements for the bonus, but the bill pay/debit card requirement might be a little bit annoying.
Santander $250 Business Checking Bonus – NH, MA, RI, CT, DE, NY, NJ & PA
Does require a call back to complete the bonus, but still worth doing.
- Read our full post
- Soft pull
- Doubt credit card funding is possible
- No direct deposit required
Liberty Bank – $100 Business Checking Bonus – CT, MA, RI
Relatively small bonus, but no monthly fees to worry about and there are also no bonus requirements. Can also open a personal account at the same time for another $100 (this does require a direct deposit for the bonus)
- Read our full post
- Soft pull
- Can fund up to $500 with a credit card per account
- Direct deposit with no minimum 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.
PeoplesBank (Bankatpeoples) $400 Bonus- MA & CT – No Direct Deposit
Huge bonus and no direct deposit requirement. Some people seem to have trouble getting approved, I don’t think it’s Chexsystems sensitivity because others with a lot of accounts have been approved. I don’t see this bonus lasting that long.
- Read our full post
- Soft pull
- Can fund up to $500 with a credit card
- Direct deposit not required
TD Bank up To $300 Checking Bonus [CT, DC, DE, FL, MD, ME, MA, NC, NH, NJ, NY, PA, RI, SC, VT, & VA]
Excellent bonus, but does have quite a large direct deposit requirement to get the $300 and needs a balance of $2,500 to keep it fee-free.
- Read our full post
- Soft pull
- Can fund up to $300 with a credit card
- Direct deposit of $500 for $150 bonus and $2,500 for $300 bonus
FirstBank $300 – CA, AZ, CO – Direct Deposit Optional
Standard bonus is $200 and that requires a direct deposit. This one is $300 and you can either do a direct deposit or spend $500 on a debit card.
- Read our full post
- Soft pull
- Can fund up to $600 with a credit card but must call or go in branch
- Direct deposit of $500+is optional
Investors Bank $250 In Branch Checking Bonus – NY & NJ – Direct Deposit Not Required
No longer being advertised online, but the offer itself is still available and worth doing. Bit annoying you need to go into a branch
Eastman Credit Union – $250 Bonus – TN, TX & VA – Direct Deposit Optional
Nice bonus made even better by the fact that direct deposit isn’t required.
SunTrust Up To $750 Checking Bonus [AL, AR, FL, GA, MD, MS, NC, SC, TN, WV, VA, and D.C Only]
Massive bonus of up to $750. Unfortunately you need a huge deposit of $100,000 for that bonus. Sweet spot is really the $500 bonus in my opinion.
- Read our full post
- Soft pull
- Can fund up to $250, usually posts as a cash advance
- Direct deposit of $2,000+ required
Washington Savings Bank $300 Bonus – MA Only
Nice big bonus with no monthly fees to worry about, only downside is $4,000 in direct deposits are required.
- Read our full post
- Soft pull
- Unknown credit card funding
- Direct deposits of $4,000+ within the first 90 days required
KeyBank $300 Bonus – OH, PA, CT, WA, CO, NY
Similar to the offer below, but different areas it’s valid in.
KeyBank $300 Bonus – OH, PA, CT, WA, NY, CO
Nice big bonus with lots of data points on what works as a direct deposit.
Bank & Trust $300 Bonus – LA & MS
Big bonus, but direct deposit is required for a fair amount of time so might only be worth considering if you can change your payroll easily.
- Read our full post
- Soft pull
- No credit card funding
- Direct deposit of $500 per month required for 180 days
ACNB/NWSB – $300 Bonus – PA & MD only
Direct link to offer: ACNB (PA only) or NWSB (MD only)
They have offered a slightly bigger bonus somewhat recently, but I don’t see that coming back anytime soon so I’d recommend jumping on this offer instead.
North Shore Community Bank $300 Checking Bonus – IL, In Branch only
Should work at other WinTrust Banks as well. Nice big bonus but does require opening in branch and there is a $15 monthly fee that requires a balance of $10,000+ to avoid.
- Read our full post
- Soft pull
- Unknown if credit card funding is possible
- Direct deposit of $500+ required
Ridgewood Savings Bank – $250-$350 Bonus – NY & CT only
There is a $250 and $350 bonus, I think $250 is the better option as you don’t need $25,000 to keep the account fee free
OneWest Bank $250 Checking Bonus – Direct Deposit Not Required – Southern CA Only
Requires opening in branch, but the upside is that any ACH transfer works for the direct deposit and they also donate 250 meals to charity.
- Read our full post
- Soft pull
- Unknown credit card funding
- Direct deposit of $650+ required for two consecutive months, fine print states ACH is allowed
bankESB (East Hampton Savings Bank) $200 – Direct Deposit Not Required – MA
Direct deposit isn’t required but account needs to be open for one year to receive $50 of the bonus. The upside is that the account has no monthly fees to worry about.
- Read our full post
- Soft pull
- Can fund up to $1,000 with a credit card
- Direct deposit not required
Associated Bank – $175 Bonus – No Direct Deposit – IL, MN, & WI only
Another $100+ bonus with no direct deposit requirement, definitely worth doing if you’re in the area.
- Read our full post
- Soft pull
- Fund up to $1,200 with a credit card
- No direct deposit requirement
Ballston Spa National Bank (BSNB) $250 Checking Bonus – Some Areas of NY
Previously this had to be opened in branch, but now it can be opened online as well.
Regions Bank $200 Checking Bonus + $50 Referral – AL, AR, FL, GA, IL, IN, IA, KY, LA, MS, MO, NC, SC, TN & TX
Been a long time since we’ve seen a bigger bonus than this from Regions and given they are churnable every 12 months you might as well settle for $200 and get that clocking going for another bonus.
My Northwest Bank $200 Bonus – PA, NY, MD, OH only
You need to live within 50 miles of a branch to be eligible. Still a good deal if you do live within that area.
- Read our full post
- Soft pull
- Can fund up to $1,000 with a credit card
- Receive two direct deposits of at least $200 per month
KeyBank $300 Bonus – NY, CO, IN, CT, ME, OR, WA, UT
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.
M&T Bank $100-$250 Checking Bonus – CT, DC, DE, MD, NJ, NY, PA, VA, WV
Not as good as when you used to be able to churn this deal over and over again but still worth doing if you live in the eligible area.
State Bank Of India (California) $150 – CA only
Can be funded with a healthy $1,000 with a credit card (used to be $3,000). Bonus itself isn’t that great, but the funding really makes this deal.
- Read our full post
- Soft pull
- Can fund up with $1,000 with a credit card
- Direct deposit of $500+ required for three consecutive statement cycles
CBT Bank $150 Bonus – PA In Branch – Direct Deposit Not Required
No monthly fee to worry about and the direct deposit is optional as well.
South State Bank – $100 Bonus – GA, NC, SC – No Direct Deposit Required
Another nice bonus with no direct deposit requirement.
Capital Bank $200 + $50 Checking Bonus – FL, NC and SC
Known as First Tennessee in other locations, relatively easy bonus to complete but does require a direct deposit. Assuming the direct deposit qualifications are the same as First Tennessee it shouldn’t be too difficult.
- Read our full post
- Soft pull
- Up to $300 credit card funding
- Direct deposit required, no minimum specified
Dollar Bank $200 Bonus – OH, VA & PA
Sometimes available in PA & OH as well, but currently only in VA.
Macatawa Bank $100 Checking Bonus – MI – No Direct Deposit Required
Nice easy bonus with a decent amount of credit card funding and no monthly fees to worry about.
- Read our full post
- Soft pull
- Can fund up to at least $900 with a credit card
- No direct deposit required
Westfield Bank $100 Bonus – Direct Deposit Not Required – MA Only And Must Be 16-25
Very easy bonus to meet the requirements for and no monthly fees to worry about. Downside is the age restriction.
- Read our full post
- Soft pull
- Can fund up to $500 with a credit card
- Direct deposit not required
BMO Harris $300/$500 Checking Bonus – AZ, FL, IL, IN, KS, MO, MN and WI
Was a lot more popular when it was a nationwide bonus. Can be a bit of a hassle actually doing this one, but worth considering if you’ve done all the better deals above. Now more attractive because it’s $300 for opening a checking instead of only $200.
Bank & Trust /$350 Checking Bonus – CO, IL, WI, MT, CA, AZ, TX, NM & IA
Not all states have the $350/$700 offers and the $700 offer does require $50,000 in funds so keep that in mind.
- Read our full post
- Soft pull
- Can fund up to $2,000 with a credit card, American Express not accepted
- Direct deposit of $500+ required
FirstBank $250 – TN, GA, AL
No monthly fees to worry about as long as you opt out paper statements. Bonus requirements are easy as well, just keep in mind the direct deposit is required 60 days after the account has been opened.
BBVA Compass $250 Checking Bonus – Arizona Only
We’ve seen similar offers before but usually available online instead of in branch.
- Read our full post
- Soft pull
- Can fund up to $500 with a credit card, not sure if it will be possible in branch
- Direct deposit of $500+ required
Five Star Bank – $150/$250 Checking Bonus – NY
Only really the $150 bonus is worth considering as it’s quite difficult to keep the $250 account fee free.
- Read our full post
- Soft pull
- Unknown credit card funding, possibly up to $4,000
- Direct deposit with no minimum required
PeoplesBank $200 Checking Bonus – MD & PA
Another relatively small bonus, but with no monthly fee to worry about.
BB&T $200 Bonus -AL, DC, FL, GA, IN, KY, MD, NC, OH, SC, TN, TX, VA, WV- No Direct Deposit Required
Just be mindful of how persistent they are in trying to opt you into overdraft protection as that will result in a hard pull.
- Read our full post
- Soft pull
- Can fund up to $250 with a credit card
- Direct deposit not required
San Mateo Credit Union $100 Checking Bonus – CA only – Direct Deposit Not Required
No monthly fee or direct deposit to worry about. Sadly only available in some areas of CA
- Read our full post
- Soft pull
- Credit card funding of up to $500 available
- Direct deposit not required
Flushing Bank $200 Bonus – NY & NJ
No monthly fees to worry about, does require a direct deposit though.
Sunflower Bank $200 – AZ, MO, NM, KS & CO and TX
This offer specifically states that ACH credits work to trigger the bonus, there is also no monthly fees to worry about.
Columbia Bank $200 – WA, OR, ID & In Branch
Would be higher on the list but requires opening the account in branch.
Fidelity Bank $200 Checking Bonus – Northeastern PA only
Not the biggest bonus and they have offered bigger bonuses in the past, but they generally only offer one bonus per year so if you want it then now is your chance.
- Read our full post
- Soft pull
- Can fund up to $500 with a credit card
- Direct deposit or recurring credit of $400+ required
Westfield Bank $200 – MA, CT
People have had issues with Westfield Bank in the past when it comes to bonuses, so that is something worth keeping in mind.
- Read our full post
- Soft pull
- Can fund up to $500 with a credit card
- Direct deposit required but no minimum specified
Bank & Trust $200/$350 Checking Bonus – AZ, IA, IL, WI, CO, NM, MT, CA, TX
Most states only have the $200 offer. In the past there has been a $700 offer as well, but that wasn’t really worth doing so no huge loss it’s not available.
- Read our full post
- Soft pull
- Can fund up to $2,000 with a credit card, American Express not accepted
- Direct deposit of $500+ required
SECU $200 Checking Bonus – MD Only
Previously this has only been available to existing customers. This time it’s available to new and existing customers.
Farmers & Merchants State Bank – $200 Checking Bonus – Must Be Under 25 & OH, IN & MI Only – Direct Deposit Not Required
Need to be under 25 years of age and they are Chexsystems sensitive, still if you’re eligible and can get approved then this is a bonus worth doing.
Community First Credit Union $160 Bonus – FL only
No monthly fees to worry about and a nice bit of credit card funding as well.
Southland Credit Union $175 Bonus – CA
Not the most exciting bonus, but still worth doing if you live in the area. Nice thing is that direct deposit isn’t required for a lot of the bonus
Liberty Bank – $100 Checking Bonus – CT, MA, RI
Relatively small bonus, but no monthly fees to worry about and also the bonus requirements are relatively small.
- Read our full post
- Soft pull
- Can fund up to $500 with a credit card per account
- Direct deposit with no minimum required
Dearborn Savings Bank $128 Bonus + $100 Per Year – IN only
Don’t think the $100 yearly bonus is worth doing due to the deposit requirement, but the $128 sign up bonus is.
- Read our full post
- Soft pull
- Up to $500 in credit card funding
- Direct deposit required but no minimum listed
Old Second Bank $150 Bonus – IL only
Another small bonus, upside is that $100 can be done without a direct deposit being required.
LegacyTexas $150 Checking Bonus – TX only
No monthly fees to worry about and fairly simple bonus requirements as well.
JSC Federal Credit Union $100 – TX only
Another small $100 bonus with no monthly fees
Ameris Bank $100 Checking Bonus – FL, GA, SC, AL
Small bonus, but at least there is no monthly fees and you can open online.
Western State Bank – $100 – AZ ND – 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.
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.
Bar Harbor Bank & Trust – $100 – ME & NH, In Branch Only
Another small bonus, but there are no monthly fees to worry about.
- Read our full post
- Soft pull
- Unknown if possible to fund with a credit card
- Direct deposit of $250+ 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.
JSC Federal Credit Union $100 Checking Bonus – TX only
Not a particularly big offer and direct deposit is required but there is no monthly fee to worry about which is nice.
- Read our full post
- Soft pull
- Can fund up to $1,000 with a credit card
- Direct deposit required, no minimum listed
Highly Region Specific/Branch Specific
Lakeland Bank $300 Checking Bonus – No Direct Deposit Required, Clifton NJ only
Bonus requirements are easy to meet and you don’t need a direct deposit. Account does have a monthly fee but that is waived with an average daily balance of $250+.
- Read our full post
- Soft pull
- No credit card funding
- No direct deposit required
University Federal Credit Union $300 Bonus – Salt Lake County Utah
Nice big bonus of $300, but very location restricted unfortunately.
Picatinny Credit Union $175 Checking Bonus – Morris County, NJ only
Previous best bonus was $150, now it has been increased to $175.
- Read our full post
- Soft pull
- Unknown if credit card funding is allowed
- Direct deposit is required, no minimum listed
Star One Credit Union $120 Checking Bonus + $60 Per Referral, No Bonus Requirements – Santa Clara, CA only
It’s nice that you don’t have to do anything to get this bonus.
- Read our full post
- Soft pull
- Can fund up to $1,000 with a credit card
- No direct deposit required
Lyons National Bank $175 Checking Bonus – Cayuga County, NY
Requires your full pay check to be direct deposited, this is sometimes manually checked with these smaller branch bonuses so it’s definitely something to keep in mind if you can’t easily change your direct deposit.
Unify Financial Credit Union $150 Bonus – Collin County, TX
Not as good as the previous $100 + two LA rams tickets that could be sold for well over $100, but it’s still worth considering/doing if you missed that one. Unfortunately no longer nationwide
Recent Changes
- [5/19/19] Added M&T Bank $400 Checking Bonus – CT, DE, D.C., MD, NJ, NY, PA, VA, WV, In Branch
- [5/19/19] Added OneWest Bank $250 Checking Bonus – Direct Deposit Not Required – Southern CA Only
- [5/18/19] Added Bank & Trust /$350 Checking Bonus – CO, IL, WI, MT, CA, AZ, TX, NM & IA
- [5/18/19] Added Ballston Spa National Bank (BSNB) $250 Checking Bonus – Some Areas of NY
- [5/18/19] Added Picatinny Credit Union $175 Checking Bonus – Morris County, NJ only
- [5/17/19] Removed Citizens Bank Up To $600 Checking Bonuses – CT, DE, MA, MI, NH, NJ, NY, OH, PA, RI, VT
- [5/17/19] Removed BMT (Bryn Mawr Trust) $520 – DE, NJ & PA
- [5/14/19] Added Aspiration Checking $100 Bonus
- [5/14/19] Added Columbia Bank $300 Business Checking – NJ only
- [5/14/19] Added KeyBank $300 Bonus – OH, PA, CT, WA, NY, CO
- [5/11/19] Removed MoneyLion Up To $599 Bonus
- [5/7/19] Removed People’s United Bank $100-$300 Checking Bonus – MA & NY
- [5/6/19] Added Discover Checking Account – $30 Per Month ($210 Maximum)
- [5/6/19] Removed Columbia Bank $300 Bonus – NJ only
- [5/6/19] Removed Sandy Spring Bank $150 Bonus – MD, DC & VA
- [5/6/19] Removed American Pride Bank $300 – GA Only
- [5/4/19] Added People’s United Bank $100-$300 Checking Bonus – MA & NY
- [4/30/19] Removed Clinton Savings Bank – $300 Bonus – MA only
- [4/29/19] Removed Bank Of The West – $250 Bonus – Direct Deposit Not Required – AZ, CA, CO, ID, IA, KS, MN, MO, NE, NV, NM, ND, OK, OR, SD, UT, WA, WI, WY
- [4/22/19] Added Regions Bank $200 Checking Bonus + $50 Referral – AL, AR, FL, GA, IL, IN, IA, KY, LA, MS, MO, NC, SC, TN & TX
- [4/22/19] Added Community First Credit Union $160 Bonus – FL only
- [4/22/19] Added ACNB/NWSB – $300 Bonus – PA & MD only
- [4/21/19] Added Bank & Trust $350 Business Checking Bonus – NM
- [4/21/19] Added Clinton Savings Bank – $300 Bonus – MA only
- [4/20/19] Added BBVA Compass $100 Money Market Bonus
- [4/20/19] Added North Shore Community Bank $300 Checking Bonus – IL, In Branch only
- [4/20/19] Added Lakeland Bank $300 Checking Bonus – No Direct Deposit Required, Clifton NJ only
- [4/20/19] Added Xceed Financial Credit Union $200 Referral Bonus
- [4/20/19] Removed 1st United Credit Union $100 Checking Bonus – Select CA Areas
- [4/17/19] Added Farmers & Merchants State Bank – $200 Checking Bonus – Must Be Under 25 & OH, IN & MI Only – Direct Deposit Not Required
- [4/17/19] Added Chase $300 Business Checking
- [4/17/19] Added KeyBank $300 Bonus – OH, PA, CT, WA, CO, NY
- [4/17/19] Removed First Tennessee $100 Savings Middle Tennessee and North Carolina
- [4/17/19] Removed Chase $300 Business Checking
- [4/15/19] Removed Huntington Bank $200/$400/$750 – In Branch – OH, MI, IN, PA, KY, WV, IL & WI
- [4/15/19] Removed Union Bank & Trust $100 Checking Bonus – VA, MD & NC
- [4/14/19] Added JSC Federal Credit Union $100 Checking Bonus – TX only
- [4/14/19] Added San Mateo Credit Union $100 Checking Bonus – CA only – Direct Deposit Not Required
- [4/14/19] Added WinTrust Bank $300 Checking Business Checking – IL only
- [4/14/19] Added BBVA Compass $250 Checking Bonus – Arizona Only
- [4/13/19] Removed Central Illinois Bank $250 Bonus – IL
- [4/8/19] Added PNC $200 Business Checking AL, DC, DE, FL, GA, IL, IN, KY, MD, MI, MO, NC, NJ, NY, OH, PA, SC, VA, WI and WV
- [4/7/19] Added bankESB (East Hampton Savings Bank) $200 – Direct Deposit Not Required – MA
- [4/7/19] Added HSBC $125 Savings Bonus
- [4/7/19] Added Ridgewood Savings Bank – $200-$350 Bonus (No Direct Deposit For $200 Bonus) – NY & CT only
- [4/7/19] Added PeoplesBank (Bankatpeoples) $400 Bonus- MA & CT – No Direct Deposit
- [4/6/19] Removed [NY, In Branch] Kinderhook Bank $500 Business Checking Bonus, No Requirements
- [4/6/19] Added First Midwest Bank $500 Business Checking Bonus – In Branch – IL, IN, IA
- [4/6/19] Added Sunflower Bank $200 – KS & CO
- [4/6/19] Removed Andigo Credit Union $250 Checking Bonus ($400 With CD as well)
- [4/6/19] Removed Salal Credit Union $150 Checking Bonus – No Direct Deposit Required – WA Only
- [4/6/19] Removed First Bank – $200 Business Checking Bonus – CA, IL & MO
- [4/6/19] Removed Cambridge Savings Bank $200 Checking Bonus – MA, CT, ME, NH, RI, VT
- [4/4/19] Removed HSBC Direct $100 Savings Bonus
- [4/1/19] Added LegacyTexas $150 Checking Bonus – TX only
- [3/30/19] Removed People’s United Bank $100 – NY, CT
- [3/25/19] Added Western State Bank – $100 – AZ ND – In Branch Only
- [3/25/19] Added BBVA Compass $250 Checking Bonus – Houston, TX Only
- [3/25/19] Added People’s United Bank $100 – NY, CT
- [3/25/19] Added Removed Chase $600 Checking + Savings Bonus
- [3/24/19] Removed Chase $600 Checking + Savings Bonus
- [3/22/19] Removed Marcus Bank $100 Savings Bonus
- [3/19/19] Removed U.S. Bank $300 Checking Bonus
- [3/18/19] Added Santander $250 Business Checking Bonus – NH, MA, RI, CT, DE, NY, NJ & PA
- [3/18/19] Added BMT (Bryn Mawr Trust) $520 – DE, NJ & PA
- [3/18/19] Added Dollar Bank $200 Bonus – OH & PA
- [3/18/19] Added KeyBank $300 Bonus – NY, CO, IN, CT, ME, OR, WA, UT
- [3/18/19] Added BB&T $200 Bonus -AL, DC, FL, GA, IN, KY, MD, NC, OH, SC, TN, TX, VA, WV- No Direct Deposit Required
- [3/18/19] Added MoneyLion Up To $599 Bonus
- [3/16/19] Removed Bank Of The West – $150 Bonus – Direct Deposit Not Required – AZ, CA, CO, ID, IA, KS, MN, MO, NE, NV, NM, ND, OK, OR, SD, UT, WA, WI, WY
- [3/15/19] Removed BB&T $200 Bonus -AL, DC, FL, GA, IN, KY, MD, NC, OH, SC, TN, TX, VA, WV- No Direct Deposit Required
- [3/12/19] Added Capital One $200-$500 Money Market Bonus
- [3/11/19] Removed BECU $100 Referral Checking Bonus For Both Parties – No Direct Deposit Required – WA & OR
- [3/10/19] Added SECU $200 Checking Bonus – MD Only
- [3/10/19] Added Bank & Trust $200/$350 Checking Bonus – AZ, IA, IL, WI, CO, NM, MT, CA, TX
- [3/10/19] Added University Federal Credit Union $300 Bonus – Salt Lake County Utah
- [3/10/19] Added FirstBank $250 – TN, GA, AL
- [3/10/19] Added BMO Harris $200/$500 Checking Bonus – AZ, FL, IL, IN, KS, MO, MN and WI
- [3/7/19] Added Hancock Whitney $100 Savings – LA, MS, FL, AL, TX
- [3/6/19] Removed Wells Fargo $500 Checking & Savings Bonus MT, ND, SD, MN, WI
- [3/6/19] Removed Capital One $200-$500 Money Market Bonus
- [3/6/19] Removed BMO Harris $200 Checking Bonus – AZ, FL, IL, IN, KS, MO, MN and WI
- [3/6/19] Removed Clearview Credit Union $200 Checking Bonus – PA only
- [3/6/19] Removed First Tech Federal Credit Union $700 – Cedar Hills, OR branch
- [3/5/19] Added Chase $200 Savings Bonus
- [3/5/19] Added Chase $300 Checking Bonus
- [3/5/19] Removed Chase $200 Business Savings – Nationwide
- [3/5/19] Added Marcus Bank $100 Savings Bonus
- [2/26/19] Removed Citadel Bank $300 Checking Bonus – PA only
- [2/25/19] Added Westfield Bank $200 – MA, CT
- [2/25/19] Added First Bank – $200 Business Checking Bonus – CA, IL & MO
- [2/25/19] Added Bank & Trust $300 Bonus – LA & MS
- [2/25/19] Added First Tech Federal Credit Union $700 – Cedar Hills, OR branch
- [2/25/19] Added Five Star Bank – $150/$250 Checking Bonus – NY
- [2/25/19] Added MidFirst Bank $250 Business Checking Bonus – OK, AZ
- [2/25/19] Added Wells Fargo $400 Checking Bonus
- [2/25/19] Added Citizens Bank Up To $600 Checking Bonuses – CT, DE, MA, MI, NH, NJ, NY, OH, PA, RI, VT
- [2/25/19] Removed Chase $300 Checking Bonus
- [2/25/19] Removed Chase $200 Savings Bonus
- [2/18/19] Added Central Illinois Bank $250 Bonus – IL
- [2/18/19] Added Clearview Credit Union $200 Checking Bonus – PA only
- [2/18/19] Added KeyBank $300 Bonus – OH, PA, CT, WA, CO, NY
- [2/18/19] Added Old Second Bank $125 Bonus – IL only
- [2/18/19] Added Westfield Bank $100 Bonus – Direct Deposit Not Required – MA Only And Must Be 16-25
- [2/17/19] Removed bankESB (East Hampton Savings Bank) $200 – Direct Deposit Not Required – MA
- [2/11/19] Added Bar Harbor Bank & Trust – ME & NH, In Branch Only
- [2/11/19] Added Flushing Bank $200 Bonus – NY & NJ
- [2/11/19] Added Cambridge Savings Bank $200 Checking Bonus – MA, CT, ME, NH, RI, VT
- [2/11/19] Removed Old Second Bank $125 Checking Bonus – IL
- [2/11/19] Removed First Bank $100 – VA, MD only
- [2/11/19] Removed HomeTrust Bank $150 Bonus + $5 Monthly NC, SC, TN, VA
- [2/11/19] Removed Bridgeview Bank $200 Checking – IL & In-branch
- [2/10/19] Added Bank Of The West – $150 Bonus – Direct Deposit Not Required – AZ, CA, CO, ID, IA, KS, MN, MO, NE, NV, NM, ND, OK, OR, SD, UT, WA, WI, WY
- [2/10/19] Added Sandy Spring Bank $150 Bonus – MD, DC & VA
- [2/10/19] PeoplesBank increased to $200 from $150
- [2/10/19] Added Ameris Bank $100 Checking Bonus – FL, GA, SC, AL
- [2/10/19] Added Salal Credit Union $150 Checking Bonus – No Direct Deposit Required – WA Only
- [2/10/19] Added Union Bank & Trust $100 Checking Bonus – VA, MD & NC
- [2/10/19] Added Wells Fargo $200 Checking Bonus – Direct Deposit Not Required
- [2/10/19] Added Wells Fargo $1,000 Business Checking
- [2/10/19] Removed Westerra Credit Union $100 Checking Bonus – CO only – Direct Deposit Not Required
- [2/10/19] Removed WesBanco $250 Business Checking Bonus WV, PA, OH, IN, KY
- [2/6/19] Removed North Shore Bank $300 Checking Bonus – Direct Deposit Optional – WI & IL
- [2/4/19] Added American Pride Bank $300 – GA Only
- [2/4/19] Added North Shore Bank $300 Checking Bonus – Direct Deposit Optional – WI & IL
- [2/4/19] Removed First National Bank of Long Island $400/$500 Checking Bonus – NY In Branch Only
- [2/3/19] Added First National Bank of Long Island $400/$500 Checking Bonus – NY In Branch Only
- [2/3/19] Added Andigo Credit Union $250 Checking Bonus ($400 With CD as well)
- [2/2/19] Removed Old National Bank $200 Bonus – IN, KY & MI
- [1/30/19] Removed Wells Fargo $250
- [1/30/19] Added U.S. Bank $300 Checking Bonus
- [1/29/19] Added Washington Savings Bank $300 Bonus – MA Only
- [1/29/19] Added Huntington Bank $200/$400/$750 – In Branch – OH, MI, IN, PA, KY, WV, IL & WI
- [1/27/19] Added Columbia Bank $300 Bonus – NJ only
- [1/27/19] Added HomeTrust Bank $100 Bonus + $5 Monthly NC, SC, TN, VA
- [1/27/19] Added Wells Fargo $500 Checking & Savings Bonus MT, ND, SD, MN, WI
- [1/20/19] Added Chase $300 Business Checking
- [1/20/19] Removed TruStone Financial $150 – WI & MN only
- [1/19/19] Removed KeyBank $300 Bonus – OH, PA, CT, WA, CO, NY
- [1/16/19] Removed Chase $300 Savings Bonus
- [1/16/19] Added Chase $200 Savings Bonus
- [1/16/19] Added Chase $300 Checking Bonus
- [1/14/19] Added Investor Bank $250 In Branch Checking Bonus – NY & NJ – Direct Deposit Not Required
- [1/14/19] Removed Ocean First Bank $200 Bonus – Direct Deposit Optional – NJ, NY & PA
- [01/12/19] Added Chase $200 Business Savings – Nationwide
- [01/12/19] Added WesBanco $250 Business Checking Bonus WV, PA, OH, IN, KY
- [01/12/19] Removed Chase $200 Savings Bonus
- [1/12/19] Removed Chase $300 Checking Bonus
- [01/11/19] Added Capital One Money Market $200-$500 Bonus + 2% APY (Requires Deposit Of $10,000-$50,000)
- [01/09/19] Removed Capital One Bank $1,000 Money Market Bonus
- [01/09/19] Added Chase $200 Savings Bonus
- [1/09/19] Added Chase $300 Checking Bonus
- [01/08/19] Removed Chase $300 Checking Bonus
- [01/08/19] Removed WesBanco $200 + $50 Referral WV, PA, OH, IN, KY
- [01/08/19] Added Citizens Bank $450 Checking Bonuses – CT, DE, MA, MI, NH, NJ, NY, OH, PA, RI, VT
- [01/08/19] Added KeyBank $300 Bonus – OH, PA, CT, WA, CO, NY
- [01/08/19] Added SunTrust Up To $750 Checking Promotion [AL, AR, FL, GA, MD, MS, NC, SC, TN, WV, VA, and D.C Only]
- [01/08/19] Added Citi $200/$400/$500/$600 Checking Bonus – No Direct Deposit Required
- [01/08/19] Added Unify Financial Credit Union $150 Checking Bonus
- [01/08/19] Added HSBC – Up To $750 Bonus – No Direct Deposit Required
- [01/08/19] Added Wells Fargo $250
- [01/08/19] Removed Essex Bank – $250 Bonus – VA Only – Direct Deposit Optional
- [01/08/19] Removed Bellco $200 Checking Bonus – PA & In Branch Only
- [01/08/19] Removed MB Financial Bank $250 IL, IN
- [01/08/19] Removed Union Bank & Trust $100 Checking Bonus – VA & NC
- [01/07/19] Removed Crane Credit Union $150 – IN only
- [01/07/19] Removed Bankwell $200 Checking Bonus – CT only
- [01/06/19] Removed Marine Bank $250 Checking Bonus – IN, IL, WI
- [01/06/19] Removed Andigo Credit Union $250 Checking Bonus ($400 With CD as well)
- [01/06/19] Removed Dedham Savings Bank – $100 Bonus – MA only
- [01/06/19] Removed 1st Source Bank $300 – IN, MI
- [01/06/19] Removed Finn by Chase $100 Bonus
- [01/06/19] Removed CIBC US – $200 – In Branch – IL, MI, MO & WI
- [01/06/19] Removed MidFirst Bank $150 (OK)/$200 (AZ) – Direct Deposit Optional
- [01/06/19] Removed Bank & Trust $200/$350/$700 Checking Bonus
- [01/06/19] Removed Town Bank $300 Checking Bonus – Milwaukee, WI only & In Branch
- [01/06/19] Removed NBC Oklahoma $150 Bonus – OK only
- [01/06/19] Removed Fifth Third $200 + $200 Checking Bonus – Direct Deposit Not Required
- [01/06/19] Removed Wells Fargo $1,000 Business Checking
- [01/06/19] Removed Wells Fargo $200 In Branch Checking Bonus – Direct deposit not required ($500 With Savings)
- [01/06/19] Removed OneWest $600 Business Checking/Savings Bonus – CA
- [01/06/19] Removed TruStone Financial $150 Bonus – WI & MN
- [01/06/19] Removed WinTrust Bank $100 Checking – IL only
- [01/06/19] Removed Varo Money $100 Bonus
- For changes before December 31st, 2018, click here.
If you know of any better bank account bonuses, let us know in the comments section and we will add them.
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Suntrust just came out with a $100 checking bonus:
https://www.suntrust.com/Microsites/Checking/everydaypromo/index.html
Make a $500 or more direct deposit and we’ll give you $100 (within 60 days of account opening)
Online via the link above only what what I see – Suntrust via online chat said – this account is a soft credit pull + Chexsystems.
Unknown as to the duration of this offer.
very interesting you can use any rewards card to redeem rewards for a direct deposit ive tried chase ultimate just press redeem rewards for cash and type in the amount you would like to redeem
Dude, put down the crack pipe and get a real job.
Any time you can legally steal money from a bank, you are morally obligated to do so.
Hayden, I continue to crack up at this comment! 😉
+1… ABSOLUTELY.
How do you find out where your 401k is
Hey Doc, how do you go about opening so many bank accounts?
I have a few that I’m very interested in doing (First Niagra, Santander, Chase), but I’m worried to try because I opened 4 in the past few months. I could always try and get denied, at worst, but then it would just be an additional inquiry.
(Funny to talk about inquiries on Chex, when we’re used to talking about credit report inquiries.)
What’s your experience been? Have you ever been denied due to inquiries? Do you make sure to space them out by a month or two? Thanks!
Hey Chuck,
I’ve never personally been denied but this year is the most aggressive I’ve been. As you said at worse you’ll be denied, I’m not planning on opening accounts for any major reason (e.g a mortgage) and I already have an everyday account I’m happy with. That said, I probably wouldn’t do more than 8 this year.
I’m trying to work out the sweet spot and which banks are inquiry sensitive and which aren’t.
Not sure that this information helps, but have been approved for 10 accounts now open for one year or more and 11 more which have been open less than a year (mostly checking). Some form of bonus paid on all of these except for one which I missed a direct deposit requirement. Expect to continue pursuing additional opportunities but am planning on closing some of the seasoned accounts which aren’t considered “everyday” accounts.
hi Win, I live in Wisconsin and was wondering if you would help me add some banks or credit union branches to receive bonuses?? I have Chase, Monona Bank at the moment. Thank you for your assistance
Almost all information came from Doctor of Credit. If I find a new account bonus, it’s sent to DOC so all readers are made aware of it. Thanks!
I’ve been personally denied at one bank, but I called to find out why. Some banks are more finicky than others, and are more stringent on their requirements from your Chex report. Just call, ask why you were denied, and as if they can review the application. Most of the time the denials are purely algorithm based. A human can reverse the decision.
did you see the nationwide bank checking bonus $200?
http://www.nationwide.com/sem/nf-echecking-information.html
DEAD July 7, 2016.
Goes to
https://www.nationwide.com/sem/nf-echecking-personal.html
New Regions bank checking $165 offer:
http://promo.regions.com/hhg/incentive165/default.htm?CID=25287&V_TID=1677213&ProspectID=BFEDEC49E38B4C37A7B51185E687791C
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Any advice for handling the direct depoit aspect without Amazon Payments or a job that will let you switch your deposits temporarily?
A simple ACH transfer from one of your existing accounts usually works but it varies by banks. We put together this page which has hundreds of data points on what has triggered bonuses in the past: https://www.doctorofcredit.com/knowledge-base/list-methods-banks-count-direct-deposits/
I already have Chase checking, so not bothered. But I have $175 savings acct offer that I would like to go for. Can’t find just the $200 bonus for savings in e-bay. $175 a good deal?
I would honestly wait for Chase to put out the $600 coupon bonus for $300 checking and $300 savings.
The $300 total checking is just as good as long as you’re not going to complete the $300 savings portion, which I think most people wouldn’t.
If you cancel your Chase checking account and wait 90 days, you can get that bonus. If you’re going to do the savings portion, I’d wait for a $300 savings coupon to come around personally.
The latest bonuses have wording that say only one bonus per calendar year
They’ve said that for awhile, I just assumed that since this person already had an account they didn’t recently get a bonus for it – thanks for making it clearer though!
90 days but not in the same calendar year – once a year
Sam, CHASE was my main bank for years. But after taking advantage of the CAP ONE, Wells, etc. promotions it simply made sense to close CHASE checking for two reasons:
1) I don’t have to maintain it (spend time on some action every month or keeping a balance that waives the fee)
2) Closing the account qualifies me for $300 ninety days later for reopening.
So when you say you “don’t bother” you are stating that leaving CHASE for 3 months isn’t worth $300 to you (assuming the same promo will exist, and we have no reason to believe at this point it won’t).
Just my opinion, but if I were you I’d close the account and come back in October and get BOTH bonuses.
Suntrust has a good bonus as well. I was able to sign up for it online here in Cali yesterday for the $200 checking bonus.
Yeah good point, think I’ll replace the $150 Chase bonus with this.
I followed the direct link for this offer and it said it had expired. Is it still live somewhere?
Thanks for putting together the bonuses information. Do you know if any of the above banks let you open a checking/saving with no SSN. I have only ITIN (tax id) and AMEX cc on my name (just got it last Nov with ITIN).
Not that I know of, maybe somebody else knows of some though?
Just use the ITIN in place of the SSN. Banks do not care about the difference, they just want to comply with laws that ask them to request the number and have a number to keep track of your account with.
Thanks, Ryan.
Citi now has a $400 offer for opening a Citigold account, and storing $50,000 there for 15 days.
Code CZGA.
Saw it on hustlermoneyblog.
Citi is jerking me around fulfilling the $400 bonus.
Many emails a few phone calls. Every time I’m told another week, they provide a reference number. When that time passes I call again and get a new date and another reference number. Going on 120-130 days now, still no bonus
Same happened to me in 2015? 16? I had to insist they verify to me that the bonus code was in the record (I had written it in my calendar on the day I opened the account). They finally verified it and then claimed they hadn’t received the W-9 & wouldn’t pay until they did. Many, many hassles with Citi from day one! Lots of calls & emails & chats to incompetent employees.
P.S. to the Editor: The first Key Bank $300 bonus listed above for May 2019 includes WA in the title & link, but that bonus offer actually ISN’T for WA;, the second one IS. Please fix to avoid further confusion. Thanks.
P.P.S. Posting here because top comment option won’t work…not here nor on the Key Bank details page!
Citizens bank has $100.00 bonus for new customers. Requirement is two bill payments (different bills) through citizens online banking
You forgot to mention Legacy Bank and Trust in iprofit account offering 4.00%APR on checking accounts with requirements that can be found here: https://www.legacybankandtrust.com/checking_accounts#iprofit
Don’t see a way to open an account online so looks like you have to live in Missouri. Wish it were available to everyone.
Any new information on the ACH procedures potentially marking transactions as P2P and not being counted as direct deposits?
Nope, read this though: https://www.doctorofcredit.com/changes-to-the-way-ach-transfers-are-coded-the-ramifications-for-bank-bonuses/
It looks like the Capital One business savings account offer has expired — at least that’s the message I received just now when I clicked through and then clicked on the Open Now button.
Diamond – I signed up my account on the 8th of this month (April) the payment did not post, I called them today and they quickly posted two $50 payments to my account.
The Citi offer has expired. Called in this morning (Apr 6) and rep informed me the offer expired. Strange thing is the code still seems to work but I’m cautious and don’t want to risk using the code unless a rep can confirm offer is still valid. Will try calling again later today to speak to a different rep.
Let us know how you get on, the offer was due to expire though.
Hello Community,
If anyone is in need to $300 Total Checking & $150 Savings Account coupon. You can email me @ vijnatarajan@gmail.com and I’ll email you the coupon code. Looks like chase has taken down that offer but for helping people I saved couple of coupon codes.
Cheers,
Vijay