Posted by William Charles on January 8, 2018
Bank Account Bonuses

Published on January 8th, 2018 | by William Charles

875

Best Bank Account Bonuses For January, 2018

Below we’ve listed favorite checking & saving account bonuses in order from best to worst for January, 2018. 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 Because of this the comment section might contain discussion about deals that are no longer current, please keep that in mind.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

Best Checking Account Bonuses

Chase $300 Bonus – In Branch

Direct link to offer

Such an easy bonus and can be paired with a $150, $200 or $300 savings bonus as well. These are nice because you can do one per calendar year as well.

HSBC – Up To $750 Bonus – No Direct Deposit Required

Direct link to offer

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.

Citi $300 Bonus

Direct link to bonus

There was a bonus for $400 with less strict requirements in the past but given that this $300 bonus has been extended I’m not sure we will see the $400 bonus again. It’s also worth noting that you can get the bonus again if you haven’t held a Citi account within the past 180 days, so this bonus is effectively churnable. You also need to be able to deposit $15,000.

Bank of America $100 Bonus

Direct link to offer

They have had bigger targeted bonuses of up to $300 before, so it’s up to you if you want to wait and try and get one of those or not. This one is still worth doing even if it isn’t a huge bonus.

Charles Schwab $100 Bonus

Direct link to 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.

Christian Community Credit Union – $200 Bonus – Must Be A Member of A Christian Ministry

Direct link to offer

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.

Best Saving Account Bonuses

Discover Savings $150/$200 Bonus

Direct link to offer

Requires a deposit of $15,000 for $150 bonus or $200 for $20,000 bonus, but no minimum deposit length. Great deal, but only once per lifetime unfortunately.

Chase $200 Savings Bonus – In Branch

Direct link to offer

They also have bonuses for $300 (requires $25,000 deposit) and $150 (requires $10,000 deposit). Can be combined with the $300 checking bonus listed above as well.

Chase $300 Savings Bonus – In Branch

Direct link to offer

As mentioned above they have a $200 bonus and $150 bonus as well.

Chase $150 Savings Bonus – In Branch

Direct link to offer

Requires a deposit of $10,000 for 90 days. They often offer $200 for a deposit of $15000 for 90 days (see above)

Fidelity Bank $100 Savings – Northeastern PA only

Direct link to offer

Can be combined with the $100 checking bonus they also offer.

First Tennessee $100 Savings Middle Tennessee and North Carolina

Direct link to offer

Can be combined with the $300 checking bonus.

Best Business Bank Bonuses

There are a lot less business bank bonuses than personal bonuses, you can view all of them here.

Bank of America $2,500 Business Checking Bonus – Nationwide

Direct link to offer

Massive bonus and most people should be able to get $1,000 without too much fuss if they can meet the $50,000 deposit requirement. Looks like you’ll need a real and significant business to get the full $2,500 as it requires merchant services and other business related services.

Wells Fargo $300 Business Checking Bonus – Almost Nationwide

Direct link to offer

This excludes the following states: Louisiana, Oklahoma, Missouri, Kentucky, West Virginia, Massachusetts, Vermont, New Hampshire, Maine and Hawaii. Not quite as good as the previous bonus, but still well worth doing.

MB Financial Bank $350 Business Checking – IL, IN, or PA

Direct link to offer

Main downside to this bonus is the $5,000 deposit requirement, otherwise it’s very easy to get the bonus and keep account fee free. Worth doing if you live within the area.

PNC Up To $400 Business Checking – OH, MI, FL, AL, GA, MD, KY, IN, PA

Direct link to offer

I’d recommend the $200/$300 bonuses as the $400 bonus requires $25,000 deposited. The other two are much more manageable ($3,000 for the $300 bonus).

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.

Chase Business Checking $300 Bonus

Direct link to offer

They have offered $300 or even targeted bonuses of $500 in the past, so it might be worth waiting for something bigger. But still a good nationwide bonus that can be done yearly. Also must be opened in branch.

Flushing Bank $200 Business Checking Bonus – NY & NJ

Direct link to offer

Bonus requirements are easy to meet and there are no monthly fees to worry about.

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.

First Tennessee $300 Business + $150 Savings In Branch Bonus

Direct link to offer

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.

Liberty Bank – $100 Business Checking Bonus – CT, MA, RI

Direct link to offer

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)

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.

SunTrust Up To $500 Checking Bonus [AL, AR, FL, GA, MD, MS, NC, SC, TN, WV, VA, and D.C Only]

Direct link to offer

Massive bonus of up to $500. It is difficult to keep the account fee free but lots of datapoints to suggest you’ll be able to get the bonus quickly and then be able to downgrade to an easier to keep fee free account.

HarborOne Up To $500 Checking Bonus [MA, NH, ME, CT, VT and RI]

Direct link to offer

$500 bonus requires a massive direct deposit, just remember it needs to total that amount (doesn’t need to be a single direct deposit of that amount). Obviously $500 is a huge bonus and well worth doing even if it’s a bit tricky.

TD Bank up To $300 Checking Bonus [CT, DC, DE, FL, MD, ME, MA, NC, NH, NJ, NY, PA, RI, SC, VT, & VA]

Direct Link to offer

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.

First Bank and Trust $300 Checking Bonus – LA, MS, FL

Direct link to offer

Always like to see a bonus for $300! Fairly easy to keep account fee free and only requires a $500 direct deposit.

Citadel Banking $250 Checking Bonus – PA Only – No Direct Deposit Required

Direct link to offer

Biggest problem with this offer is the small footprint: Must live, work, worship, or study in Bucks, Chester, Delaware, Montgomery, or Philadelphia Counties, or the city of Lancaster, PA or if  a member of your family or household is already a customer, no matter where you live.

If you meet those requirements, this one is a slam drunk as it only requires three signature based debit card transactions

PNC $300/$400 Checking Bonus – AL, DC, DE, FL, GA, IL, IN, KY, MD, MI, MO, NC, NJ, NY, OH, PA, SC, VA, WI and WV

Direct link to offer

It requires a direct deposit of $5,000 to get the full $300 bonus, but if you can’t manage then their are lower tiers available with smaller bonuses. One of the nice things about this bonus is that you can fund up to $2,000 initially with a credit card. We also already have datapoints that the Chase Sapphire Reserve code as a purchase – so this is a relatively easy way to knock out $2,000 in spend and also receive a $300 bonus. Might be able to get a $400 in branch offer as well.

Huntington Bank – $200 Bonus – No Direct Deposit – OH, MI, IN, PA, KY, WV, IL & WI

Direct link to offer

Easy bonus with no direct deposit requirement.

Associated Bank – $150 Bonus – No Direct Deposit – IL, MN, & WI only

Direct link to offer

Another $100+ bonus with no direct deposit requirement, definitely worth doing if you’re in the area.

SunTrust Bank Up To $300 Bonus – AL, AR, FL, GA, MD, MS, NC, SC, TN, WV, VA, and D.C

Direct link to bonus

$300 bonus requires a massive amount of funds to keep fee free but $200/$100 bonuses are much more managable. They have had better bonuses in the past but at this stage it doesn’t look like those are coming back.

KeyBank Up To $300 Bonus – NY, OH, CO, CT, PA, OR, WA, ME & UT

Direct link to offer

Offers of $100, $200 & $300. As the offers increase so do the amount of funds you need in the account to keep it fee free.

My Northwest Bank $200 Bonus – PA, NY, MD, OH only

Direct link to offer

You need to live within 50 miles of a branch to be eligible. Still a good deal if you do live within that area.

MB Financial Bank $250 IL, IN

Direct link to offer

Nice and easy bonus to meet the requirements, bit more difficult to keep fee free but still worth it for $250.

Andigo Bank $250 – IL only

Direct link to offer

Nice big bonus with requirements that aren’t too difficult to meet. Downside is that you have to meet the direct deposit requirements for three months. Can also fund a decent amount with a credit card as well.

Columbia Bank $200  – NJ

Direct link to offer

Bonus is a bit confusing (e.g there is a space for promo code, but they don’t give you a promo code) and you need to send in some documents to get final approval but still worth doing.

bankESB (East Hampton Savings Bank) $200 – Direct Deposit Not Required – MA CT & RI

Direct link to offer

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.

Cincinnati Federal $250 – OH, KY, IN

Direct link to offer

Nice bonus from a bank that hasn’t offered one before, also no monthly fees to worry about.

BMO Harris $200 Checking Bonus – AZ, FL, IL, IN, KS, MO, MN and WI

Direct link to offer

Nice big bonus, problem is that almost everybody seems to have some sort of issue with BMO harris and this bonus.

FirstBank $200 – CA, AZ, CO

Direct link to offer

Not that difficult to meet the bonus requirements and decent bonus.

Fulton Bank $150 – DE, DC, MD, NJ, PA, & VA – No Direct Deposit Required

Direct link to offer

This account has no monthly fees or direct deposit to worry about. Only 10 debit card transactions.

HomeStreet Bank $300 Bonus – WA, CA, OR, ID, HI

Direct link to bonus

This should and would be much higher, but a lot of people open their accounts successfully only to have them closed a few days later by HomeStreet bank for no real reason (apart from many too many accounts opened recently). The bonus requirements also need to be completed for five months.

Bank of The West – $150 Bonus – AZ, CA, CO, ID, IA, KS, MN, MO, NE, NV, NM, ND, OK, OR, SD, UT, WA, WI, WY

Direct link to bonus

Keep in mind they are inquiry sensitive, but otherwise great deal.

Tech CU $150 Bonus – CA only

Direct link to bonus

This bonus is really easy to meet, the only downside is that you’ll need to pay $8 to join an association if you don’t live within the limited target area. You can fund up to $1,000 with a credit card though which more than outweighs this downside.

Reliant Community Credit Union $150 Checking Bonus – NY

Direct link to offer

No monthly fee to worry about but you do need to live, work, worship, attend school, or volunteer in Monroe, Ontario, or Wayne counties located in New York State to be eligible. Small amount of credit card funding also available.

Santander $150 Checking Bonus – NH, MA, RI, CT, DE, NY, NJ or PA

Direct link to offer

Used to be available nationwide, sadly that’s no longer the case. They have also offered a bonus of $225 before so it might make more sense to wait for that.

Citizens Bank $150  Checking Bonuses – CT, DE, MA, MI, NH, NJ, NY, OH, PA, RI, VT

Direct link to offers:  $150

In the past they have offered both a $250 and $150 bonus. They now only offer the $150 bonus, but that was the only one worth doing anyway so no huge loss.

Stoneham Bank $130 Checking Bonus – MA only

Direct link to offer

Downside to this offer is we don’t know a lot about it, on the plus side there are no monthly fees to worry about.

Old Second Bank $125 Checking Bonus – IL

Direct link to offer

Small bonus and direct deposit is required for $50 of the bonus. Not difficult to keep the account fee free.

Liberty Bank – $100 Checking Bonus – CT, MA, RI

Direct link to offer

Relatively small bonus, but no monthly fees to worry about and also the bonus requirements are relatively small.

Crane Credit Union $150 – IN only

Direct link to offer

A lot of requirements for a relatively small bonus and also heavily location restricted.

Fidelity Bank $100 Checking – Northeastern PA only

Direct link to offer

$100 less than previous years, but still worth doing as it’s churnable.

Highly Region Specific/Branch Specific

Synovus $300 Checking Bonus – Direct Deposit Not Required – Atlanta, GA (Reynoldstown Branch)

Direct link to offer

Massive bonus and no direct deposit. Shame it’s not available at more branches, but still should be useful to a lot of readers.

HomeStreet Bank – $300 Eastern WA In Branch Only

Direct link to offer

Very select area only, but a nice $300 bonus.Keep in mind they look to be ChexSystems sensitive as well.

Rockland Trust Bank $250 Bonus – Westwood Branch Only – Direct Deposit Not Required

Direct link to offer

Great bonus assuming it’s a soft pull. You can normally fund $2,500 but not sure if that will be possible in branch or not.

Star One Credit Union $120 Checking Bonus + $60 Per Referral, No Bonus Requirements – Santa Clara, CA only

Direct link to offer

It’s nice that you don’t have to do anything to get this bonus.

Recent Changes

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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875 Comments on "Best Bank Account Bonuses For January, 2018"

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AE
AE

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.

m

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

Patti
Patti

Dude, put down the crack pipe and get a real job.

Hayden
Hayden

Any time you can legally steal money from a bank, you are morally obligated to do so.

chuck
chuck

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!

helpfulbuddy
helpfulbuddy

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.

AE
AE

did you see the nationwide bank checking bonus $200?

http://www.nationwide.com/sem/nf-echecking-information.html

Jeff H
Jeff H
AE
AE
Ramzi
Ramzi

Any advice for handling the direct depoit aspect without Amazon Payments or a job that will let you switch your deposits temporarily?

Sam
Sam

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?

Bargainator
Bargainator

I would honestly wait for Chase to put out the $600 coupon bonus for $300 checking and $300 savings.

Mike
Mike

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.

Ace
Ace

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.

Conrad
Conrad

I followed the direct link for this offer and it said it had expired. Is it still live somewhere?

Mil
Mil

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).

R.
R.

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.

Mike
Mike

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

Sharon
Sharon

Citizens bank has $100.00 bonus for new customers. Requirement is two bill payments (different bills) through citizens online banking

John
John

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

Ron
Ron

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.

TJ
TJ

Any new information on the ACH procedures potentially marking transactions as P2P and not being counted as direct deposits?

Diamond Vargas
Diamond Vargas

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.

David
David

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.

Noma
Noma

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.

Vijay
Vijay

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

Vijay
Vijay

PS – I just saw a $100 Wells Fargo Coupon, req’s are very simple: do 10 debit card transactions before 60 days or $500 DD. Link below

https://www.wellsfargo.com/jump/checking/checking-bonus

Gene
Gene

Regions has a new deal for $300 going right now. No expiration date given at this time.

http://promo.regions.com/hhg/incentive300/default.htm?CID=26176&WT.mc_id=Google%7CDMA_-_Atlanta_-_Brand_Only%7CHOME_-_Brand_-_Phrase%7Cregions%7CPhrase&WT.srch=1&ProspectID=BC0C5C2D87A0497BAA9F074769BB2470&V_TID=2172182

You can get an extra $50 as a referral bonus for you and the person that referred you.

Jan B
Jan B

Interested in setting up two military pay allotments as direct deposit funding to qualify for two of the bank bonuses mentioned. I can do $200 and $500 in two banks mentioned and still leave another $1000+ DD in a “main” joint account, per se.

While I realize Charles may not have info on this, any reader out there could address the idea?

Gene, One of the banks I am 95% considering is Regions. Referral is acceptable. Need the $300 bonus to replace the one my son missed out on with Chase because of inefficient DD handing by his work HR dept. We fronted him $ for his new phone and he was to use the Chase bonus to pay us back.

Regions is in FL and TN, two states I frequent a lot, so choosing them makes sense. We are trying to step away from Chase, our main bank, anyway.

Jan B
Jan B

Vijay, I would like one of those Chase coupons for a relative. As long as there are no state residency restrictions.

There will be no DD but could have a military allotment set up.

It seems to me a military allotment payment would function as an ACH deposit does. But, never done one before.

kevin
kevin

I am a F1 student. I wonder whether I need to pay tax for new checking account bonus and saving interest. Some people said F1 student don’t need to pay tax for interest and account bonus. Does this true? thanks.

NN
NN

as long as you have an SSN, you’ll receive 1099 form by year end / next year January and are required to report it when filing tax.
unless your country has tax treaty with the US, I don’t see the reason why not

john
john

On the BOA $300 offer, does each direct direct deposit have to be over $2000 ? Or is it a total of over $2000 ?

Regards

kevin
kevin

Santander $20 Per Month

This cannot open. it says that i must go to a branch to open it. Sadly, there no one at around

Nate M.

Interesting tips. I already have a Chase account, but I will look into closing it and re-opening in 90 days. Which bank account is your favorite to use?

trackback

[…] Best Bank Account Bonuses For June, 2015 […]

zjts
zjts

Any experiences with funding US bank account with Bank of America or US bank personal credit or charge cardss or small business cards (from any bank)

Dave
Bill
Bill

The M&T folks are a class act. I’ve been impressed with their outreach to get me accustomed to their bank.
As for the bonus, $100 direct deposited one day, and received the $150 the next day. No muss, no fuss, and I won’t mind sticking around with their bank to see what else they have to offer.

Mohammad M
Mohammad M

They told me I get 25$ to open a savings account and deposit 3x 25$ in 3 consecutive months. You may expect a similar deal for the savings product.

Curtis
Curtis

The link to the offer for BMO $150 is not working. Can you please fix?

Joseph
Joseph

I chatted with CapitalOne about funding my new Citi checking account with my Venture. They said they could send me a check for the amount I wanted, and deduct that money from my card (no hassle check). They said it would be just like a purchase, but would not earn rewards. Do you think it will count towards minimum spend??

zjts
zjts

I’ve asked in 3 separate calls to US Bank reps if funding USBank checking with a US Bank credit card would be a purchase or cash advance. 2 reps said purchase, definitely, 1 said cash advance, definitely. Anyone have a real life experience? concerning boa cc funding of USBank checking, I read in another forum “when I tried to charge my initial deposit after lowering the cash advance limit to $10, the charge was rejected. “

Patrick
Patrick

If your CC gets declined during the application, just try another one until it works. Just make sure your cash advance limit is lowered as much as possible.

zjts
zjts

thank you. Has anyone tried boa or US bank ccs for funding usbank checking? purchase or cash advance?

zjts
zjts

Once a cc is declined for funding a USBank checking account, is there an option to fund with a different cc during the application process. If so, was this online or on the phone? tia

Sandra
Sandra

I don’t know if this is new or it has been this way, but my dh and I opened a new Chase Total Checking in January for the $300 bonus and I figured out today that they did a hard pull on our credit. We did not get any type of overdraft protection. At the time I wasn’t aware of how credit pulls worked, but I was looking today at my Capital One FICO that is offered (thru my Quicksilver) and see that Chase did a hard pull on 1/26 (a Monday) and we went into the branch and opened the checking account on 1/24 (a Saturday – I remember because it was my son’s birthday). I remember them offering me a CC at the branch too (I hadn’t asked for any). Boo Chase.

credit
credit

Any pointers to opening and funding a citi business checking account? The credit card funding # you have listed is only for personal account. I called citi business line to see if business accounts could be funded using credit cards, they said yes but only in the branch. I don’t trust people in the branch, they are usually clueless about things out of the ordinary.

refund mania
refund mania

I signed up for the Citigold account per what you outlined. Instead of receiving a $100 credit against my annual fee, Citi refunded me the pro-rata unused amount of the annual fee, or about $420. Came as a statement credit under “refund of annual fee”. I’m not complaining. The timing seems right in that I got the Citigold account about 30/450ths of the way into my Prestige year. However, the refund seems like a mistake. Have you heard of anything like this?

Chuck

I think someone else also commented s/th like this. I’d love to figure this one out.

Ken
Ken

BMO hasn’t been accepting new account applications online for weeks now, please remove it from your lists or at least note that it’s currently down at the moment.

Scott
Scott

Hi Doc, i got a question about Citi double cash back card, will I have that citi checking bonus by this card? Since they need TYP card to earn that bonus, so citi double cash would possible?

Chuck

No, Citi Double Cash would not enable you to get the Citigold checking bonus.

Steve
Steve

Has anyone run into an issue withdrawing all funds and then calling to close the account? I’m not sure if doing so would trigger minimum balance fees or cause a security freeze. Is there a best practice for closing out an account?

Steve H
Steve H

I leave enough in to avoid fee, then visit them if local, or call to close.

Steve
Steve

Capital One 360 Business Savings Bonus appears to be gone. (Link doesn’t work, and I couldn’t find anything on their website)

Rich
Rich

Hey Doc, I just contacted Bank of America regarding the $2000 business checking bonus and they said they have never heard of it. Any ideas on how to be registered to receive the promo from a small business agent(as it reads in the terms)

jay
jay

Been three weeks since my two bill pays processed. Still not seeing the bonus. Does it matter who I paid? It was Amex card and Comcast. One reader says that he received bonus around a week after bill pays. Just wondering if I didn’t paid to qualified merchants, although I dont think there is such thing.

jay
jay

Oops wrong thread. meant to post it in US bank thread.

trackback

[…] Check out more options at Doctor of Credit’s full list of Bank Account Bonuses […]

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[…] Best Bank Account Bonuses For September, 2015 […]

Vijay
Vijay

Hi William Charles,

Was surfing the net and found this new BB&T $150 Checking Bonus link. Thought of sharing so that you can post it for our community.

http://www.bbt.com/sites/bbtdotcom/sp/personalchecking/1508/ppc/150/bank/default.jsp?CampIDMaj=ANB&CampIDMin=AT&ReferralSource=AG&cmpid=mox:sem:gg:43700008138911675

Good Luck!
Vijay

Ken
Ken

Just a heads up for others, that BB&T offer is for Georgia residents only.

Carlos
Vijay
Vijay

Another $300 bonus link, which needs just cumulative $4000 DD within 90 days.

Good Luck!
Vijay

Vijay
Vijay

Another $300 bonus link, which needs just cumulative $4000 DD within 90 days.

http://promo.bankofamerica.com/checking300/

Good Luck!
Vijay

DFWJoel
DFWJoel

Vijay – did you apply for this and get the bonus? I don’t see a promo code. Is choosing which checking account you want when going through your link sufficient?

DFWJoel
DFWJoel

Thanks for the link!

Carlos
Carlos

Passed by a Santander yesterday and in the window was a new $150 bonus for checking accounts.
I will get by there when I can to view details.
Wonder if they made a new change.

DFWJoel
DFWJoel

Here’s the deal for the $150 Santander Checking Bonus: http://fm.email.santanderbank.com/ats/show.aspx?cr=468&fm=65

1. Open an eligible Santander Checking account by 12/31/15 with at least $25;
2. Have direct deposits of $500 or more in the first 90 days;
3. Keep account open for 90 days and then they’ll deposit the $150 within 30 days.
4. Offer is available on all consumer checking products – except extra20 and Student checking accounts.

Carlos
Carlos

Thanks Joel, now I dont have to go back.

Carlos
Carlos

Yuck the fine print stinks.
No P2P deposits or paypal.

mockingjay
mockingjay

My data point :No ETF when I closed the account in the branch in DC, I opened he account 2 months ago.

Douglas
Douglas

Here’s a link for $400 fifth third business checking account.

http://biz400offer.53.com/?utm_campaign=biz-bank-4q15&utm_medium=offlinepromo&utm_source=vanity-url&utm_content=400

Called in to go over the specifics, it goes until 11/20. For residents in their footprint. Can be opened over the phone or in branch but opening deposit has to be done at branch. chexsystem, no credit inquiry. No cc funding for opening deposit. $400 will be deposited 10 business days after requirements are met. No dd is always nice, but have to leave $5k in for 60 days which is a pain. Will probably go for it since it’s still more then 6% checking for 2 months. However $50 fee if account is cancelled.

Carlos
Carlos

TD bank now offering a free smart phone with opening a checking account.
Very easy requirements.
Only thing is activation with contract required.
http://www.tdbank.com/personal/checking_nav.html?state=NJ&city=913&state=NJ&city=975

Ken
Ken

There’s nothing free about a phone with a 2 year contract. Do the math.

Carlos
Carlos

Times have changed, providers are charging an arm and a leg for a phone now.
I did the math, if my phone was up or I wanted to switch carriers I would jump on this.

Ken
Ken

I can’t find anywhere on TD’s site where they mention plans or terms for the phone besides a 2 year contract requirement, so how are you doing the math? Where are you getting your numbers from?

Also, you can buy a cheap, under $10 phone to trade in for the $300 offer. Doing this deal and locking yourself into a 2 year commitment for a trade-in phone is a terrible idea.

Carlos
Carlos

Furthermore this phone could be worth $300 if you switch to a provider who is offering $300 to switch if your turning in a smart phone.
There are many ways to go about this offer.

troll
troll

when will this page be updated for Nov?

george smiley
george smiley

Time to take this one down. No new accounts.

Jay
Jay

Re: the chase $600 combined coupon vs chase $500 combined coupon

Isn’t the $600 combined coupon one for chase premier checking ($300 bonus) and savings ($300 bonus)? So that means you have to keep $15k in your chase premier checking account for at minimum 6 months (assuming you cancel account after 6 months) to avoid fee, plus you have to keep $25k in the savings account for 3 months (then cancel after 6 months) in order to get both bonuses. Having to tie up $40k for 3 months, then $25k for another 3 months.

This is all for only $100 more than the chase basic checking ($300 bonus) and savings ($200 bonus). And for this one you only need to keep $1,500 in the checking account for 6 months, and $15k in savings for 3 months. Seems like much less hassle. In my opinion I’d just forgo the $600 combined coupon for the $500 coupon offer. Plus I get mailings for the $500 coupon and have never gotten the $600 coupon in the mail.

William what do you think?

Ida
Ida

DO GO WITH CHASE! Have had 2 accounts with bonuses that were not paid when promised. Had to chase the first bonus around for 3 months before they would pay after I left the money for a year. 2nd bonus they say I have to leave another 6 months after I already left for a year. Not worth the hassle. Going to a bank that is more honorable and trustworthy and not giving you the runaround to get the money you have earned.

Carlos
Carlos

As much as I hate Chase I have received all bonus when supposed to.

Eric
Eric

I’m just curious, if everything’s gone well why do you hate Chase?

Carlos
Carlos

Lets just say one time had my account frozen for no reason and was accused of money laundering.
Had to pretty much tell them about my ebay business and show them where the high deposits were coming from.

steven
steven

Have to agree with Carlos. Chase sucks for many various reasons including freezing accounts, making you bring an id just for depositing cash into your accounts, random holds on funds, placement of order of charges to make go over your balance, processing payments for their credit cards and posting them after due dates just to charge you a late fee.Get the point. However, they always pay their bonuses.

Jay
Jay

Hi William,

Was gonna reply to your comment but couldn’t find the reply button. I just read the chase coupon bonus card I have and it only states that “offer is not available to those whose accounts have been closed within 90 days or with a negative balance”. I guess this is the only fine print, so I guess the waiting period is only 3 months, not 6 month.

Vijay
Vijay

Looking in to the coupon terms and conditions and mostly likely the below fine print might be there…

“You can receive only one new checking account related bonus each calendar year and only one bonus per account.”

You cannot open an brand new account which was closed just 90 days back. Ex, If you had opened an account by Mar of this year and you closed it after 6 mos (i.e. Sep of this year), you will not be eligible to open again a new account after 90 days from Sep. since March falls under the above condition (i.e. within one year). You will be eligible to open an new account only when you hit March of 2016.

William, Correct me if I am wrong here…

Ken
Ken

Did you miss the calendar year part? If you open an account in March and then close Sept 1st you have 90 days from the closure, and not during the same calendar year. So you can open a new account Jan 1st.

Vijay
Vijay

Yesterday, I went to bank and whatever I’ve mentioned above is what the banker said. One Checking account promotion per calendar applies from the day “the account was opened”… I wish that’s not true so I can open one by Jan…Now, for safer side I plan to wait till March….

Ken
Ken

I don’t think your banker understands what a calendar year is (Jan-Dec). I think you could rely on the fine print, and not what somebody interprets incorrectly. I also received a $500 bonus for Chase (2 actually).

Vijay
Vijay

That’s an useful information. I’ll take it..Thanks!!!

Jay
Jay

Once again I can’t reply to my own comment lol! Is there a limit to number of replies to a comment?

Anyways, yes I agree with Ken. In his example if you opened an account on March 1, got the bonus in lets say April, then closed the account in Sept 1, you would be eligible for the bonus 90 days from that date, so Dec 1. But you already received a bonus for this calendar year, thus you cannot get another. The soonest you can get your next bonus would be Jan 1 of next year. This is how I interpreted the fine print anyway.

Although the only unknown would be, if I opened the new account on Dec 1, then deliberately waited until after January of next year for my bonus to post, that would technically still meet the rules of the fine print which state 1 bonus per calendar year. But then I have not seen any data points regarding this so to play it safe I’m waiting until Jan 1 to open the new account.

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[…] Best Bank Account Bonuses For December, 2015 […]

Ken
Ken

Somewhere somebody had advised that the Chase bonus calendar year stipulation was based on the time the account was opened, but the paperwork I got with my new account states that a bonus can only be earned once per calendar year. Is that based on the opening of the account or the posting date of the bonus? I have a feeling it’s when the bonus is earned since they on’y issue a 1099 once the bonus is triggered. I opened a savings/checking account yesterday, but I’m worried it will prevent me from getting another bonus for 2016.

Jay
Jay

If you just opened your savings/checking yesterday, I assume you wont satisfy all requirements before 12/31/15, which means your bonuses will post in 2016. In that case I’d say that would make you ineligible to get another same bonus for 2016. Did you receive the same bonuses for 2015? Did you previously have checking/savings and closed them recently (sometime in 2015)?

Ken
Ken

Someone here mentioned that the calendar year was based on when you opened the account, and that I should open it before the end of this year. Unfortunately, it seems it’s based on when you earn the bonus. Oh well, live and learn. One of the offers expired Dec 28th so we needed it done now anyways.

Neither of us have earned a bonus form Chase in 2015, but my wife closed her account a while ago. I’m not sure if it was even in 2015 that she closed it, but either way more than 90 days ago.

Vijay
Vijay

William Charles,

Saw an $200 5/3 rd Bank Checking Promotion. Don’t know whether you posted it already. Thought of sharing.

https://pages.offers.53.com/semcblp/?utm_campaign=q4cb&utm_medium=display&utm_source=VIVAKIAD&utm_content=prospecting_similar&utm_term=0138_SEMCheckingBonus_300x250

Good Luck Folks!

robert newlon

this seems like a great deal, i called the bank on this offer,they require a direct deposit,but there is no minimum amount on the direct deposit! so i guess you could make a $10 or $20 and it would fulfill the direct deposit requirement? the new checking account has a minimum of only $50 to open it!
NOW my only question is what qualifies as a direct deposit with this bank???? my work does not offer direct deposit at this time!
any info on what i could do?

Vijay
Vijay

From my experience, Discover & Fidelity Bank worked as a DD. Me and my wife both got the bonuses through this.

Good Luck!

Ben
Ben

Santander expired 12/31/15 and no longer shows in the link

Cowboyguy
Cowboyguy

Chuck,

I’m constantly being denied for checking accounts by every bank or credit union. Most likely its because of Chex inquiries. I have 13 inquiries in the past 3 years. In Chex reports, inquiries exist for 3 years, not 2. I was wondering how is this never a problem with you and so many others here? I saw some people have this issue above though.

Chuck

I haven’t had a problem (besides, maybe, once). Not sure how many inqiuries I have though. Probably something like 13 in 3-years also.

Darv
Darv

Regarding TechCU, unclear what “recurring direct deposit” means. I left my employment DD going for four pay periods but have since stopped. My bonus posted after the first DD and bill pay. The checking account requirements do not mention direct deposit to avoid monthly fees. I like the account and plan to keep it open but recurring direct deposit may not be necessary–as in tying that up for 3 or 6 months. If I run into problems I will post back.

TJ
TJ

I’ve done the Chase offer the past five or six years, I got a mailer today with a coupon code for $300 on the checking and $200 on the savings account. When I tried to open it, it says they decided not to open an account base on information in my Experian Credit Report. I could probably open it in a branch, but I’m not

The last time I opened one in the branch, the banker clearly saw that I open and lcose it every year, I don’t think he cared because he got a commission.

Vijay
Vijay

TJ,

If you’re not able to use it, would you mind sharing with me (I believe it’s for Total Checking a/c). I plan to open one. If you wish to share with me, you can email me the coupon code @ vij.natarajan@gmail.com. Appreciate your help!!!

Thanks!
Vijay

Dan
Dan

Signed up for the First Tennessee offer. Must have missed it when you first posted it back in December. Thanks! I’ve made so much extra money just by reading your posts.

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[…] Best Bank Account Bonuses For January, 2016 […]

Fiby

I don’t think you’ve posted about this BB&T offer. $150 for $500 cumulative DD in one statement, 3x $25 bill pays. Available for accounts opened online in GA before 2/29.

I funded this account for $1500 with my Southwest personal premier and it posted as a purchase (I commented that on your bank funding page).

The promotion code field didn’t auto populate (a CSR said it should) but the CSR told me to use promo code ANBAT. There was a mention of the same promo code on some different site, i think nerdwallet? for this promotion so I’m confident it’s correct.

Fiby

Oops forgot the link to the offer

Fiby
Brian
Brian

There is a separate offer for Associated Bank that has almost identical terms as the one linked. It is for a Minnesota Wild checking account. The primary difference is that the Minnesota Wild offer is available until April 30, 2016.

http://www.associatedbank.com/wild150

Michael
Michael

Score! (literally and figuratively) Thanks for this, from MN.

Nick
Nick

$25 for signing up for Zenbanx bank account. Only have to link another bank account to get the bonus–should post in two days after verification. You have to use a referral link–here’s mine:

https://online.zenbanx.com/transsite/#raf/nrosad-1

pingo
pingo

Hey doc –

Sadly think the BMO Harris one is dead (over the phone at least). The rep said it ended in January, and also said that they were receiving a lot of calls about it. Did say to look back in July.

Mark
Mark

3/5 bank minimum DD is $100 + 3 bill payments for $200 bonus credited next billing cycle according to the bank rep at 866-671-5353

mom
mom

opened the student no fee one for my son and the trial deposits from Cap 1 360 triggered the bonus. Had already completed the 3 bill pays. Bonus paid with a week of the trial deposits

Phil
Phil

The First Niagara bonus needs updated to say $200 instead of $250. I got excited for a second and went to apply but it was down to $200. I know the post about this says $200 but the bank bonus master list hasn’t been updated.

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[…] Best Bank Account Bonuses For February, 2016 […]

fafa123
fafa123

Looking to switch my current business bank checking account, would like to open one with a bonus BUT also with the opportunity to set up DD into other accounts. I’m a solo practitioner and my current bank says my balance is too low for that (although it isn’t that low). Any info on whether any of the above accounts can be set up to sent DD to other banks?

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[…] deals, good cash back opportunities and maximize rewards on your everyday spending. Also, look into bank account  bonuses, where there is no credit pull involved. Follow TheFlightDeal for cheap fares and you may not need […]

RM
RM

Currently Regions bank is offering $200 for new checking account. Anyone has tried that. What kind of DD and debit card transactions work?

Mike Carter
Mike Carter

Anchor Bank extended their bonus until the end of this week (until 3/4/16). They told me this yesterday (3/1/16) when I applied for an account in-branch.

jasmin
jasmin

what’s the best bank account to open with a chase ink?

Stephen
Stephen

Huntington is now mailing out promotional coupons for $250/$300. The terms are considerably different than last year and do not require a direct deposit. You receive $150/$100 or opening the account and $100/$200 for depositing $5,000 into the account within 60 days of opening the account. It would not appear you need to keep that money in the account. Expiration on the ones I have seen is 4/22. I sent you a ZIP file with images of the offer, but have not heard back.

Stephen
Stephen

Would it be possible to remove my last name from the post above? If not, could you please delete the post?

arch
arch

The headline for First Tennessee $250 Bonus should be NC instead of SC

sl
sl

Citizens Bank In Supermarket Branch $150 Bonus doesn’t work anymore. please update. it’s should not be on for march 2016

Ken
Ken

Can you generally churn these bonuses? And if not, can you repeatedly open accounts just to put initial funding on a CC?

Ron
Ron

Does anyone activate debit card for every checking account bonus? Thanks in advance.

YourFoodSherpa

For the state-specific bonuses, must one reside in the state listed or would it work if you happen to be traveling to a state and stopped into a branch and opened your account?

For example, I live in Florida, but I see the Key Bank bonus available and am planning a trip to NY. If I walked into a branch, would I be able to open the account there – with my Florida ID/address – on the premise that I plan to move to the area in a few months?

Bill
Bill

YMMV, but I’ve had good success as a NJ resident opening accounts in FL, PA, NY, OH. I have relatives or have worked in these states, so it wasn’t a special trip, just a brief step into a branch while nearby.

AE
AE

Doc – Any info on:

https://www.associatedbank.com/packersoffer $150 checking offer – available nationwide?

and

http://www.1stmarinerbank.com/signing-bonus/ available nationwide

adam d
adam d
Matt
Matt

The TechCU account only allowed $125 CC funding when I did it two days ago.

Greg
Greg

The CapitalOne360 checking account for a $200 bonus is back until April 30. Good bonus with easy-to-meet requirements but also a great bank that you might actually want to stick with! https://www.capitalone.com/bonus200/

Ken
Ken

I think the 360 checking accounts also require a hard pull.

NoonRadar

Not unless you opt in for the overdraft protection. At least this was the case over a year ago when I opened mine.

Prasanna
Prasanna

First Niagara offer is no longer available online. The link prompts you to call a 1-877 number or visit the branch for promo.

Daniel
Daniel

https://www.nsbonline.com/freensb?source=freensb Requires a direct deposit within 60 days (any amount) and it seems as if you must be a Connecticut resident (at least if applying online according to the rep).

toknowjoyman
toknowjoyman

PNC Bank $50-$300
Offer only available to residents of: AL, DC, DE, FL, GA, IL, IN, KY, MD, MI, MO, NC, NJ, NY, OH, PA, SC, VA, WI and WV
https://www.pnc.com/en/personal-banking/banking/checking/campaigns/checking-vw-tiered-offer.html?m=p&e=BrandLP

JP
JP

Hi, Doc,

That’s right, PNC has extended the offer from 5/1/2016 and ends 6/30/2016.

mu
mu

Bank of the West promo seems to have expired back in March.

Umashankar
Umashankar

subscribe

JJ
JJ

Talmar Bank promo expired. When I click link it is not found

Jeff
Jeff

In ref to “Associated Bank – $150 Bonus – No Direct Deposit – IL, MN, VA & WI only”, A VA zip is not allowed to sign-up online. I did not bother to call to ask as they do not list “VA” anywhere on their site.

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[…] Best Bank Account Bonuses For June, 2016 […]

Steven
Steven

$1000 Tech CU funding with Credit Card is now outdated. Capped at $125 now.

Vijay
Vijay

Hi William,

Came across an BOA $300 Personal Checking account offer (targeted). Thought of sharing.

http://promo.bankofamerica.com/offer300/

annex1982
annex1982

There’s a targeted offer for Bank of America checking account opening and get $300 bonus. See this link for more details.

I saw this on my Bank of America credit card on the Alerts section.

http://promo.bankofamerica.com/offer300/

annex1982
annex1982

I apologize for the duplicate post as I just scroll thru the page… Please remove if you find necessary.

Chuck

I got it via email too. I think past experience indicates that it doesn’t work for non-targeted people

Sandy
Sandy

Guys .. Any thoughts on BankESB $ 150 offer .. pros / cons ..
Seems to be hard pull .. is it good enough to be tried ?

https://www.bankesb.com/esb-checking/

El Guapo
El Guapo

Associated Bank does not appear to be offering the reported bonus anymore.

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