Below we’ve listed the best checking & saving account bonuses in order from best to worst for July, 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 Because of this the comment section might contain discussion about deals that are no longer current, please keep that in mind.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 Wells Fargo $2,500 Premier Bonus
- 1.3 OnePay $300
- 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 $375 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
- 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 – $475 – 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 Old National Bank – IL, IN, KY, MI, MN & WI, In Branch
- 3.13 TD Bank $500 – CT, DC, DE, FL, MD, ME, MA, NC, NH, NJ, NY, PA, RI, SC, VT, & VA
- 3.14 M&T Bank $300-$1,500 Business Checking Bonus – MA, CT, DE, D.C., MD, NJ, NY, PA, VA, WV
- 3.15 Huntington Bank $200/$500/$1,000 – OH, MI, IN, PA, KY, WV, CO & IL
- 3.16 Flagstar Bank $1,000 – AZ, CA, FL, IN, MI, NJ, NY, OH, WI, In Branch
- 3.17 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
- 3.18 Associated Bank $750 – IA, IL, IN, KS, MI, MN, MO, OH and WI
- 3.19 Truist $400 – AL, AR, GA, FL, IN, KY, MD, MS, NC, NJ, OH, PA, SC, TN, TX, VA, WV or DC
- 3.20 Farm Bureau Bank $250 – NV
- 3.21 Fulton Bank – $225 Business Checking DE, DC, MD, NJ, PA, & VA
- 3.22 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 TBK Bank $700 – CO, IA, IL, KS & TX
- 4.3 Stanford Federal Credit Union $620 – CA
- 4.4 Union Bank & Trust – $500 – NE & KS Only
- 4.5 Truist $400 AL, AR, GA, FL, IN, KY, MD, MS, NC, NJ, OH, PA, SC, TN, TX, VA, WV or DC
- 4.6 Clearview Credit Union $400 – PA
- 4.7 Waterstone Bank $250 Checking – WI only
- 4.8 Associated Bank – $600 Bonus – IA, IL, IN, KS, MI, MN, MO, OH and WI
- 4.9 Fulton Bank $300 – DE, DC, MD, NJ, PA, & VA – Direct Deposit Not Required
- 4.10 Old National Bank $300/$650 Bonus – IA, IL, IN, KY, MN, WI, TN & MI
- 4.11 C&N Bank $400 – PA, NJ & NY
- 4.12 First Bank Financial Centre (FBFC) $150 Bonus – Direct Deposit Not Required – WI Only
- 4.13 SECU $350 – DC, DE, PA, VA, WV, MD
- 4.14 WinTrust Bank $300 Checking – IL, FL, WI, IN, MI only
- 4.15 MidFirst Bank $300/$350 – AZ, OK
- 4.16 AllTru Credit Union $300 Checking Bonus – MO
- 4.17 Trustco Bank $250 + Ring Doorbell Checking Bonus – FL, MA, NJ, NY, VT
- 4.18 Fidelity Bank $500 Checking – Northeastern PA only
- 4.19 Clearview Credit Union $412 – PA Only – Direct Deposit Not Required
- 4.20 bankESB (Easthampton Savings Bank) $325 – Direct Deposit Not Required – MA, CT, RI & NH
- 4.21 UFirst Credit Union – $400 UT
- 4.22 Citizens Bank $400 Checking Bonuses – CT, DE, MA, MI, NH, NJ, NY, OH, PA, RI, VT
- 4.23 Banner Bank $100-$500 OR, WA, CA & ID
- 4.24 Santander $400 Checking Bonus – NH, MA, RI, CT, DE, NY, NJ & PA
- 4.25 Popular Community Bank $150-$500 – FL, NJ, NY
- 4.26 Arizona Central Credit Union – $500 Bonus – AZ
- 4.27 Flagstar Bank $300-$500 – AZ, CA, FL, IN, MI, NJ, NY, OH, WI
- 4.28 Sunflower Bank $200 – AZ, MO, NM, KS & CO and TX, In Branch only – Direct Deposit Not Required
- 4.29 South State Bank $200 checking Bonus – GA, NC, SC, VA – Direct Deposit Not Required
- 4.30 Numerica Credit Union $300 – WA, ID – Direct Deposit Not Required
- 4.31 BMI Federal Credit Union $200 – OH – Direct Deposit Not Required
- 4.32 Flushing Bank $350 Bonus – NY & NJ
- 4.33 OneAZ $300 Checking Bonus – AZ Only
- 4.34 KeyPoint Credit Union $300 Checking – CA Only
- 4.35 Sun Canyon Bank – $300 – AZ
- 4.36 Berkshire Bank – $300 – MA, NY, CT, RI, or VT
- 4.37 Credit Human $300 Bonus – TX, LA only
- 4.38 Stanford Federal Credit Union $250/$500 – CA
- 4.39 SF Fire Credit Union $300 – CA
- 4.40 Camden National Bank $300 – ME, NH
- 4.41 Air Academy Credit Union $225 – CO
- 4.42 Bar Harbor Bank & Trust $200 Checking Bonus – ME, VT & NH
- 4.43 Pinnacle Financial Partners $200 Mastercard Checking Bonus – TN
- 4.44 Old Second Bank $300 Bonus – IL only
- 4.45 WECU $250 Checking Bonus – WA
- 4.46 Honor Credit Union $250 Checking Bonus – MI
- 4.47 Freedom Credit Union $200 Referral Bonus – PA
- 4.48 CIBC US $200 IL, MI, MO, FL, CA & WI
- 4.49 KeyBank $300 Bonus – AK, CO, CT, ID, IN, MA, ME, MI, NY, OH, OR, PA, UT, VT, or WA
- 4.50 BOK Financial $300 College Bonus OK, AR, AZ, CO, KS, NM, TX & MO – Direct Deposit Not Required
- 4.51 Power Financial Credit Union $199 – FL – Direct Deposit Not Required
- 4.52 Communication Federal Credit Union $300 Bonus – OK & KS
- 4.53 Firstmark Credit Union $300 Checking Bonus – TX
- 4.54 CommunityAmerica – $300 – KS & MO
- 4.55 Tower Federal Credit Union $300 Bonus – MD, DC, DE, PA, VA, WV
- 4.56 Veridian Credit Union $300 – IA, MN, NE
- 4.57 Fidelity Bank Up To $300 Checking Bonus + $100 Savings – MA, NH
- 4.58 HarborOne Bank $600 Checking & Savings Bonus – MA, NH, and RI
- 4.59 Star Financial Bank – $300 – IN, In Branch
- 4.60 Summit Federal Credit Union Up To $150 – NY – Direct Deposit Not Required
- 4.61 Sharepoint Credit Union $150 Checking Bonus – MN only
- 4.62 Tower Federal Credit Union $100 – MD – No Requirements
- 4.63 Westfield Bank $100 Bonus – OH Only – Direct Deposit Not Required
- 4.64 Orange County’s Credit Union $100 Checking Bonus – No Direct Deposit Required – CA Only
- 4.65 Horizon Credit Union $200 Checking Bonus – WA, ID, MT, OR – Direct Deposit Not Required
- 4.66 FirstBank – $300 – CA, AZ & CO
- 4.67 Royal Credit Union $250 Checking Bonus – MN, WI
- 4.68 California Credit Union – $250 – CA
- 4.69 American Bank & Trust $250 – SD & MN, In Branch
- 4.70 Savings Bank of Danbury $100-$300 – CT
- 4.71 Community First Credit Union $200 Bonus – FL only
- 4.72 Independent Bank – $200 Bonus – MI
- 4.73 Frontier Bank $200 Bonus – IA, MN, SD, NE, ND
- 4.74 Provident Credit Union $300 Checking Bonus – CA
- 4.75 Sacramento Credit Union $200 – CA
- 4.76 Credit Union One $200 Bonus – MI only
- 4.77 VyStar Credit Union $175 – FL, GA
- 4.78 SLFCU $150 Checking Bonus + $50 Referral – NM, CA, AZ, TX, CO
- 4.79 Jovia Financial Credit Union $150 Checking Bonus – NY Only
- 4.80 Lafayette Federal Credit Union $150 – MD, D.C., VA
- 4.81 Desert Financial Credit Union $100 Referral Bonus For Both Parties – AZ only
- 4.82 Collins Community Credit Union $100 Bonus – IA only
- 4.83 America First Credit Union $100 – No Requirements – UT, NV, AZ, ID, OR, NM
- 4.84 Power Financial Credit Union $100 – No Direct Deposit Required – FL only
- 4.85 Andrews Federal Credit Union $150 – Washington D.C only
- 4.86 Mainstreet Credit Union – $300 – KS & MO
- 4.87 Portland Federal Credit Union (PFCU) – MI – $100 Referral
- 4.88 Verity Credit Union $100 Referral Bonus – WA
- 4.89 Greater Nevada Credit Union $100 – NV
- 4.90 Heritage Credit Union $100 – WI & IL – In Branch
- 4.91 California Coast Credit Union $100 Bonus – CA only
- 4.92 USE Credit Union $100 Bonus – CA only
- 4.93 Heritage Credit Union – WI & IL only – $100 Bonus
- 4.94 Prestige Community Credit Union – TX – $200
- 4.95 Lafayette Federal Credit Union $100 – MD, D.C. & VA
- 4.96 Financial Partners Credit Union – CA – $100 Referral Bonus
- 4.97 Western State Bank – $100 – AZ, ND, MN – In Branch Only
- 4.98 The Bank of Princeton $100 Checking Bonus – NJ & PA, In Branch
- 4.99 City National Bank – $100 Checking – VA, WV, OH – In Branch
- 4.100 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
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
OnePay $300
Better than the previous offers of $150.
- Read our full post
- Soft pull
- Unknown if credit card funding is possible
- Requires a direct deposit of $5,000 per month
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 $375 Signup Bonus
$300 is from SoFi and the other $375 is from Rakuten. The Rakuten/Swagbucks/Topcashback rates move around a lot, but can often get $200-$375, that’s on top of the $300 from SoFi.
- 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
E*Trade Savings – $750
$750 bonus with $75,000 deposit. Quick turnaround on this one with just around 45 days of fund holding. Seems to be publicly available.
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
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
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 – $475 – 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
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.
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
TBK Bank $700 – CO, IA, IL, KS & TX
Can get another $100 via referral possibly and another $75 via bank at work.
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
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.
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
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
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
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.
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
- [7/7/25] Removed Citizens Bank $500 Savings – CT, DE, MA, MI, NH, NJ, NY, OH, PA, RI, VT, VA, D.C., MD, FL
- [7/6/25] Removed BluPeak (Formerly USE Credit Union) $600 – CA
- [7/4/25] Removed FirstBank $350 – TN, GA, AL
- [7/2/25] Removed Hudson Valley Federal Credit Union $750 – $1,500 Business Checking Bonus – NY, In Branch
- [7/2/25] Removed Newtown Savings Bank (NSB) $250 Bonus – CT & Select Counties In NY only
- [7/2/25] Removed S&T Bank $900 – PA & OH
- [7/2/25] Removed Ameriprise Financial $450
- [7/2/25] Removed Mountain America Credit Union $100 UT, ID, NV, NM, MT, AZ
- [6/30/25] Added TBK Bank $700 – CO, IA, IL, KS & TX
- [6/29/25] Removed Penn Community Bank $300 – PA, NJ Direct Deposit Not Required
- [6/27/25] Removed Fulton Bank – $500 – DE, DC, MD, NJ, PA, & VA
- [6/27/25] Removed U.S. Bank $450 + $80 Checking Bonus
- [6/24/25] Added OnePay $300
- [6/24/25] Removed Eastern Bank $300/$450 Checking Bonus – MA, NH, ME, RI
- [6/17/25] Removed First National Bank (FNB) $700 Checking Bonus – PA, OH, MD, DC, VA, NC, SC, WV
- [6/16/25]: Added $750 E*Trade savings bonus
- [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.
Hey everyone! I have tried searching a ton of bank account bonus pages looking for instructions on how to use Wise to trigger DD but I am not seeing steps posted anywhere. If anyone could help me I would really appreciate it!
-Does a personal Wise account work?
-Do I just choose “Myself” in the options for who it’s going to?
-Do I have to add the bank account as a linked account first OR just add the routing & account number as a “send money recipient”?
-How do I get it to trigger as PPD instead of RTP? Do I have to set a future transfer date instead of sending it immediately?
Yes. Yes. You don’t do either of those, you push to wise from your outside bank via account/routing. Yes.
What’s the best way to link accounts to Wise, and send money using Wise to trigger DD?
*posted this earlier on the wrong page, sorry about that*
Chex really does mess people over. Even when there’s zero derogatory or negative information, just having inquiries alone is disqualifying. Basically have to just disregard CU’s altogether — 0/1,1/3, 5/6, 7/24 and getting declined consistently now.
You just need to pick and choose where you apply. You can still get plenty of bonuses, with or without Chex inquiries.
It’s not ChexSystems’s fault some banks & credit unions see inquiries as derogatory. It’s just a tool for the FI’s to make decisions.
Chris
We’ve definitely done tons of bonuses. I’m just the type that doesn’t like a direct deposit go to waste, and we’ve run out of offers if Chex-sensitive institutions are out of the running. I ain’t chasing down $100, ya know?
It’s hard to see Provident CU $475, Safe CU $600, and SoCal CU $500 be out of reach due to Chex for no negative/derogatory reason.
Edit
TD Bank has a $300 bonus available with $2500 direct deposit, or $200 with $500 DD.
https://checkingbonus.tdbank.com/Digital500.html
There’s already a post for that here: https://www.doctorofcredit.com/targeted-td-bank-300-checking-200-savings-bonus/.
Is there a reason it’s not included / linked in the list above? I realize “best” is subjective, but seems better than others listed.
Yes, there probably is a reason. However, since it’s not my site, I won’t be able to provide you what the reason is. 😉
dp: BMI FCU [Ohio] did HP on opening checking!
Why do I have yellow flag
Means the comment went to moderation or SPAM. Once you make some more comments, usually the system stops doing that, but certain words trigger it no matter what.
TJ
Sorry, I wasn’t sure where to ask this question, but, has anyone been blocked from opening an account and come across this status: KYC Status: Prohibited?
I’m aware what KYC stands for, but not sure where to look to get this resolved. Probably Lexis Nexus and/or EWS?
Some background info: Wings opened and closed my account within a week with no real explanation, CIT denied my app due to their “risk appetite”, and Go2Bank blocked and closed my account without any real explanation. Otherwise, there hasn’t been anything significant to note. I’ve still been able to open accounts here and there. This is for Santander, with whom I actually want a long term account due to their presence abroad. Have opened and closed 2 accounts with them in the past (closed in 2022), but I’ve seen others churning them more often than that.
Definitely not EWS – AFAIK, GO2Bank, Wings and, CIT are not participants, and I have all three. I would start by pulling LexisNexis/Sagestream to look for clues.
GO2Bank is pretty black box. Pretty sure I have never seen them on any of my reports. I am unsure where places like that get their info (just like Netspend, Target Debit/Reloadable, all brokerages, etc.).
Thanks for the notes Gadget. Will look into LN. QQ, you said not EWS but then link to a post that shows DPs of Santander pulling EWS?
Just opened Target reloadable a couple of weeks ago and I have never been denied a brokerage account (although I’ve only opened maybe 10 total so never say never I guess).
You’re looking for the common cause of your issues. If only 1 of the 4 FIs uses EWS, then EWS isn’t the cause.
Ah, I see. I wasn’t looking for a common cause. I was just citing the issues I have had in the past that might be related or not.
Gotcha. Sounded like you were, so that’s probably why Gadget said it wasn’t EWS.
Not sure if this is related to your case, not here is something interesting about Go2bank, a brand of Green Dot Bank.
https://www.greendot.com/blog/news/socure-launches-industrys-preeminent-first-party-fraud-solution-and-consortium
Green Dot bank uses the first-party fraud solution from Socure, an identity verification service used by many financial institutions, to “confidently assess abuse risk at account opening and beyond using the only cross-industry predictive risk score that quantifies the likelihood of identity manipulation that could lead to risk or loss exposure.”
“By tapping into a cross-industry data network of more than 325 million accounts and 20 billion transactions, Green Dot can now assess the true risk behind an identity—even if that person has a clean record internally. They now have context into whether that identity has been flagged for illegitimate disputes, defaults, or other first-party fraud behaviors across dozens of institutions.”
https://www.socure.com/resources/casestudies/first-party-fraud-consortium-greendot
Thanks for digging this up Shawn. My issue with Greendot was 2 years ago now. I can’t recall which FI but I recently was able to get approved via an app that had socure in the URL.
Socure provides different services, many financial institutions only use their identity verification service (for which you are redirected to a socure URL). This first-party fraud solution service by providing real-time risk assessment based on pooled data across all institutions participating in the consortium is something interesting.
Not an all-inclusive list, but Socure is used at:
Wings: https://www.doctorofcredit.com/wings-credit-union-400-checking-bonus-200-savings-bonus/#comment-1939260
GTE: https://www.doctorofcredit.com/contact-us/#comment-1974413
Personal experience, Roger.Bank and Zynlo use Socure too.
I have never pulled my report with Socure, but sounds like they are using IP address data against you, based on this DP:
https://www.doctorofcredit.com/contact-us/#comment-1974797
I have noticed that sometimes, depending on the bank, using a cell phone via mobile data with wi-fi off to apply for banks can yield a different result than using desktop computer via wi-fi. If denied instantly, that is usually my go-to to retry. That won’t help in situations where the bank has approval remorse though.
Some additional Socure players listed here: https://www.socure.com/company
“Capital One, Citi, Chime, SoFi, Lili, Green Dot, Robinhood, Dave, Gusto, Poshmark, Uber, DraftKings, PrizePicks…”
KYC = Know Your Customer. I ran into it with a Citi business checking account. The account was flagged for restriction until I answered their KYC questions.
This was different. The Santander rep said she wasn’t allowed to continue the application. 18 months ago when I had tried previously, a more experienced rep did not share this info and just said she wasn’t able to complete the application.
Found a First Horizon $450 checking bonus for $2K in 90 days. Need to generate a code found here, which emails one to you to use in firstview application to avoid fees. https://www.firsthorizon.com/cash450
Very chex sensitive.
Not super sensitive in branch though, sometimes they don’t even pull it in branch
https://www.doctorofcredit.com/tn-ar-ms-al-ga-ky-fl-nc-va-first-horizon-bank-450-checking-bonus-direct-deposit-not-required/
Thomas
Chime/Inboxdollar problem.
(a) signed up for inbox dollar
(b) link to chime was not working – user error, haha
(c) downloaded chime from app store
(d) obviously no credit on inboxdollar.
Solution?
(a) wait 7 days and ask inbox dollar for customer service exception
OR
(b) delete chime and start-over?
If you created a Chime account, you will need to close it. Try again in a few weeks.
If you didn’t create a Chime account, yeah, just delete the app and start over. I would probably clear browser cache first and then go though Swagbucks or Mypoints instead. Not because InboxDollars doesn’t track normally, but you had a hiccup.
awesome. thank you. good plan 🙂