Posted by William Charles on February 15, 2019
Bank Account Bonuses

Published on February 15th, 2019 | by William Charles

1,199

Best Bank Account Bonuses For February, 2019

Below we’ve listed the best  checking & saving account bonuses in order from best to worst for February, 2019. We’ve also included a little bit of information on each bonus, make sure you click through and read our detailed posts on each offer before signing up – that way you won’t be caught unawares of hidden fees.

Note: This page is updated monthly and keeps the same URL, so feel free to bookmark it or link to it knowing that it’ll be kept up to date. Because of this the comment section might contain discussion about deals that are no longer current, please keep that in mind. You can view the most recent changes by clicking here.

Contents

Best Checking Account Bonuses

Chase $300 Checking Bonus

Direct link to offer

One of the all time great bonuses that is regularly offered, this is one I recommend readers do whenever they are eligible. It does require a direct deposit but because it’s so popular there are a lot of data points on what does/doesn’t work and there is no minimum direct deposit required. Can also be paired with a savings bonus (see below). If you do both the checking & savings bonus you can get a further $100 bonus as well, but this has new language in it that restricts you from getting based on when you last opened a Chase deposit account.

Citi $200/$400/$500/$600 Checking Bonus – No Direct Deposit Required

Direct links to offer: $200 | $400 | $600

No direct deposit is required, but a balance of $5,000/$15,000/$50,000 is required for 60 days. I only really think the $200/$400 bonus is worth doing, especially as $50,000 is required for the $600 bonus to keep the account fee free. You can also get an additional $100 on the $400 bonus by doing a direct deposit.

PNC $200/$300 Checking Bonus

Direct link to offer

Previously this was only available in selected states, it’s now available nationwide. It does require quite high direct deposit requirement, but lots of data points on what does/doesn’t work. The added bonus is that you can fund the account $2,000 with a credit card as well.  Might be able to get a $400 in branch offer as well.

U.S. Bank $300 Checking Bonus

Direct link to offer

Nice big bonus, it’s difficult to keep the Platinum checking account fee free but the first few months fee should be waived and the bonus normally posts quickly.

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.

Elements Financial $200 Bonus

Direct link to offer

Monthly fee is waived with eStatements, also comes with an option to earn 2% APY on your balance but not that interesting given the current interest rates on offer. It was briefly to bypass the ChexSystems sensitivity, but that’s sadly no longer the case.

Bank of America $100/$300 Bonus

Direct link to bonus

First check to see if you’re targeted for the $300 bonus, if you are do that. The $100 bonus isn’t as good as the $150 referral bonus that was offered earlier in the year, but not everybody was able to get in on that and this is a good back up offer.

Wells Fargo $200 Checking Bonus – Direct Deposit Not Required

Direct link to offer

This isn’t really nationwide as it’s not working in most areas, but we don’t have a good idea what areas it is working in so you’ll just need to check yourself to see if you’re eligible or not. Direct deposit isn’t required making it a good deal for most people.

Unify Financial Credit Union $150 Bonus

Direct link to offer

Not as good as the previous $100 + two LA rams tickets that could be sold for well over $100, but it’s still worth considering/doing if you missed that one.

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 $150/$200 Savings Bonus

Direct link to offer

Requires deposits of $15,000/$25,000, the great thing about this bonus is that cumulative deposits work (e.g depositing/withdrawing $5,000 three times) and there is no deposit length requirement. Easily the best savings bonus currently being offered.

Chase $200 Savings Bonus

Direct link to offer

Requires a deposit of $15,000 for 90 days, makes sense for someone who doesn’t want to tie up $25k with the $300 offer. If you do both the checking & savings bonus you can get a further $100 bonus as well, but this has new language in it that restricts you from getting based on when you last opened a Chase deposit account.

Capital One $200-$500 Money Market Bonus

Direct link to offer

Requires a deposit of $10,000-$50,000 for 90-100 days. Account earns currently 2% APY interest so it makes sense if you have the cash. Also an offer for up to $600

HSBC Direct $100 Savings Bonus

Direct link to offer

Doesn’t seem to be any requirements for the actual bonus, just keep in mind the bonus is offered as a rebate through Slickdeals so you need to follow their instructions. It can also be useful to have this account as it earns 2.01% APY and balances kept here count towards the checking 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.

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.

Wells Fargo $1,000 Business Checking

Direct link to offer 

Definitely worth doing if you haven’t done it before. The $1,000 bonus is more difficult than the $500 bonus previously offered as it requires depositing $25,00 and realistically that needs to be kept deposited for 210 days.

Kinderhook Branch $500 Business Checking Bonus – No Requirements – In Branch Only

Direct link to offer

Huge bonus and no requirements to receive the bonus, definitely worth doing.

Huntington Bank $200/$400/$750 – In Branch – OH, MI, IN, PA, KY, WV, IL & WI

Direct link to offer

Huge bonuses of up to $750, the larger bonuses do require significant deposits to receive the bonuses. Cumulative deposits work so that is nice.

BMO Harris $200/$500 Business Checking Bonus – AZ, FL, IL, IN, KS, MO, MN and WI

Direct link to offer

The bonus you go for will really depend on whether you can float $5,000 or only $1,500. Either way, both bonuses are definitely worth doing.

Chase $300 Business Checking

Direct link to offer

Really easy bonus to meet the requirements for, just deposit $2,000 and maintain for 60 days and complete five transactions including debit card purchases.

Columbia Bank $300 Business Checking – WA, OR, ID & In Branch

Direct link to offer

Really easy bonus to reach the requirements for, just deposit $500 and maintain that for the first 90 days.

Chase $200 Business Savings – Nationwide

Direct link to offer

Requires a deposit of $15,000 for 90 days.

SunTrust $200 Business Checking – AL, AR, FL, GA, MD, MS, NC, SC, TN, WV, VA, and D.C Only

Direct link to offer

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.

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.

VantageWest $200 Business Checking – AZ & In Branch only

Direct link to offer

They also have a $200 personal checking bonus worth doing, that can be opened online but this one requires going into a branch which will be a turn off for a lot of readers.

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.

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.

Citizens Bank $450  Checking Bonuses – CT, DE, MA, MI, NH, NJ, NY, OH, PA, RI, VT

Direct link to offer

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.

Citadel Bank $300 Checking Bonus – PA only

Direct link to offer

You can also get a $100 savings bonus from Citadel as well which is nice. No monthly fees to worry about either.

FirstBank $300 – CA, AZ, CO – Direct Deposit Optional

Direct link to offer

Standard bonus is $200 and that requires a direct deposit. This one is $300 and you can either do a direct deposit or spend $500 on a debit card.

Columbia Bank $300 Bonus – NJ only

Direct link to offer

Bonus has been as high as $500 in the past and that’s why we don’t have it higher in the list. Still worth considering for some that don’t want to wait for a potential bigger offer to come along.

Investors Bank $250 In Branch Checking Bonus – NY & NJ – Direct Deposit Not Required

Direct link to offer

No longer being advertised online, but the offer itself is still available and worth doing. Bit annoying you need to go into a branch

Eastman Credit Union – $250 Bonus – TN, TX & VA –  Direct Deposit Optional

Direct link to offer

Nice bonus made even better by the fact that direct deposit isn’t required.

SunTrust Up To $750 Checking Bonus [AL, AR, FL, GA, MD, MS, NC, SC, TN, WV, VA, and D.C Only]

Direct link to offer

Massive bonus of up to $750. Unfortunately you need a huge deposit of $100,000 for that bonus. Sweet spot is really the $500 bonus in my opinion.

Wells Fargo $500 Checking & Savings Bonus MT, ND, SD, MN, WI

Direct link to offer

This account requires opening both a checking & savings account and can only be done in branch. The savings account requires a balance of $25,000+ for 90 days. Not the easiest bonus to meet the requirements for, but still useful for some readers.

This isn’t technically nationwide as you need to open the account in branch, but it covers enough states that I’m going to list it here. To get the bonus you need to make a withdrawal at a Wells Fargo ATM with a non Wells Fargo debit card. The nice thing about this over other previous Wells Fargo bonuses is that no direct deposit is required. Another of the nice thing about getting a Wells Fargo checking account is that it makes it easier to get approved for Wells Fargo credit cards. Keep in mind there is also this $500 offer that does require direct deposits and also $25,000 in savings.

Washington Savings Bank $300 Bonus – MA Only

Direct link to offer

Nice big bonus with no monthly fees to worry about, only downside is $4,000 in direct deposits are required.

KeyBank $300 Bonus – OH, PA, CT, WA, CO, NY

Direct link to offer

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.

American Pride Bank $300 – GA Only

Direct link to offer

Always nice to see bonuses as big as this, especially when there is no monthly fee to worry about.

Associated Bank – $175 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.

BB&T $150 Bonus – VA & TX- No Direct Deposit Required

Direct link to offer

Direct deposit required. Bigger than the past $100 bonus as well. Just be mindful of how persistent they are in trying to opt you into overdraft protection as that will result in a hard pull.

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.

Andigo Credit Union $250 Checking Bonus ($400 With CD as well)

Direct link to offer

Best offer has previously been $250. You can get another $150 if you do the CD bonus as well, unfortunately it looks like they might be ChexSystems sensitive now as well.

M&T Bank $100-$250 Checking Bonus – CT, DC, DE, MD, NJ, NY, PA, VA, WV

Direct link to offer

Not as good as when you used to be able to churn this deal over and over again but still worth doing if you live in the eligible area.

Central Illinois Bank $250 Bonus – IL

Direct link to offer

Keep in mind that they are ChexSystems sensitive.

State Bank Of India (California) $150 – CA only

Direct link to offer

Can be funded with a healthy $1,000 with a credit card (used to be $3,000). Bonus itself isn’t that great, but the funding really makes this deal.

CBT Bank $150 Bonus – PA In Branch – Direct Deposit Not Required

Direct link to offer

No monthly fee to worry about and the direct deposit is optional as well.

South State Bank – $100 Bonus – GA, NC, SC – No Direct Deposit Required

Direct link to bonus

Another nice bonus with no direct deposit requirement.

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

Direct link to offer

Was a lot more popular when it was a nationwide bonus. Can be a bit of a hassle actually doing this one, but worth considering if you’ve done all the better deals above.

Capital Bank $200 + $50 Checking Bonus – FL, NC and SC

Direct link to offer

Known as First Tennessee in other locations, relatively easy bonus to complete but does require a direct deposit. Assuming the direct deposit qualifications are the same as First Tennessee it shouldn’t be too difficult.

Cambridge Savings Bank $200 Checking Bonus – MA, CT, ME, NH, RI, VT

Direct link to offer

They previously offered a bonus of $175, but that didn’t require any direct deposit. This bonus is obviously bigger but slightly harder to meet the requirements for.

Clearview Credit Union $200 Checking Bonus – PA only

Direct link to offer

Relatively easy bonus with a small amount of credit card funding available.

Bank Of The West – $150 Bonus – Direct Deposit Not Required – AZ, CA, CO, ID, IA, KS, MN, MO, NE, NV, NM, ND, OK, OR, SD, UT, WA, WI, WY

Direct link to bonus

Previous bonuses required a direct deposit, this one does not making it more attractive to most people.

Salal Credit Union $150 Checking Bonus – No Direct Deposit Required – WA Only

Direct link to offer

Not the biggest bonus but direct deposit isn’t required and there aren’t any monthly fees to worry about either so that’s a big plus.

BECU $100 Referral Checking Bonus For Both Parties – No Direct Deposit Required – WA & OR

Direct link to offer

Not the biggest bonus, but no direct deposit requirement and possibility of referring others makes it a better deal.

Macatawa Bank $100 Checking Bonus – MI – No Direct Deposit Required

Direct link to offer

Nice easy bonus with a decent amount of credit card funding and no monthly fees to worry about.

Westfield Bank $100 Bonus – Direct Deposit Not Required – MA Only And Must Be 16-25

Direct link to offer

Very easy bonus to meet the requirements for and no monthly fees to worry about. Downside is the age restriction.

PeoplesBank $200 Checking Bonus – MD & PA

Direct link to offer

Another relatively small bonus, but with no monthly fee to worry about.

Flushing Bank $200 Bonus – NY & NJ

Direct link to offer

No monthly fees to worry about, does require a direct deposit though.

Columbia Bank $200 – WA, OR, ID & In Branch

Direct link to offer

Would be higher on the list but requires opening the account in branch.

Fidelity Bank $200 Checking Bonus – Northeastern PA only

Direct link to offer

Not the biggest bonus and they have offered bigger bonuses in the past, but they generally only offer one bonus per year so if you want it then now is your chance.

Southland Credit Union $175 Bonus – CA

Direct link to offer

Not the most exciting bonus, but still worth doing if you live in the area. Nice thing is that direct deposit isn’t required for a lot of the bonus

Sandy Spring Bank $150 Bonus – MD, DC & VA

Direct link to offer

Looks to be fairly inquiry sensitive so something to keep in mind. They have offered a bigger bonus of $300 before as well.

1st United Credit Union $100 Checking Bonus – Select CA Areas

Direct link to offer

Direct deposit and debit card requirement for the bonus but there is no monthly fee to worry about and good credit card funding opportunity as well.

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.

Dearborn Savings Bank $128 Bonus + $100 Per Year – IN only

Direct link to offer

Don’t think the $100 yearly bonus is worth doing due to the deposit requirement, but the $128 sign up bonus is.

Old Second Bank $125 Bonus – IL only

Direct link to offer

Another small bonus, upside is that $75 can be done without a direct deposit being required.

Union Bank & Trust $100 Checking Bonus – VA, MD & NC

Direct link to offer (VA & MD) or NC

Not the biggest bonus, but a major attraction is the $2,000 in credit card funding that is available.

JSC Federal Credit Union $100 – TX only

Direct link to offer

Another small $100 bonus with no monthly fees

Ameris Bank $100 Checking Bonus – FL, GA, SC, AL

Direct link to offer

Small bonus, but at least there is no monthly fees and you can open online.

Heritage Credit Union $100 – WI & IL – In Branch

Direct link to offer

Pretty small bonus and it also needs to be opened in branch. At least there is no monthly fees to worry about.

Bar Harbor Bank & Trust – ME & NH, In Branch Only

Direct link to offer

Another small bonus, but there are no monthly fees to worry about.

City National Bank – $100 Checking – VA, WV, OH – In Branch

Direct link to offer

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.

Highly Region Specific/Branch Specific

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.

Lyons National Bank $175 Checking Bonus – Cayuga County, NY

Direct link to offer

Requires your full pay check to be direct deposited, this is sometimes manually checked with these smaller branch bonuses so it’s definitely something to keep in mind if you can’t easily change your direct deposit.

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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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.

Stacey
Stacey

Hayden, I continue to crack up at this comment! 😉

Chitownster
Chitownster

+1… ABSOLUTELY.

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

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