Posted by William Charles on April 25, 2018
Bank Account Bonuses

Published on April 25th, 2018 | by William Charles

959

Best Bank Account Bonuses For April, 2018

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 Because of this the comment section might contain discussion about deals that are no longer current, please keep that in mind.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

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

Direct link to offer

No direct deposit is required, but a balance of $15,000/$50,000 is required for 60 days. I only really think the $400 bonus is worth doing, especially as $50,000 is required for the $600 bonus to keep the account fee free.

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.

MemoryBank $100 Signup Bonus with EarnMore 1.6% APY Checking

Direct link to offer

Just $100 bonus, but it’s very easy to meet with three simple ACH-deposits, plus it comes with $500 in credit card funding as well.

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. Unfortunately they are very ChexSystems sensitive.

Bank of America $100/$300 Checking Bonus

Direct link to offer

$100 offer is public, but make sure you check to see if you’re eligible for the targeted $300 offer first as well. $300 is obviously well worth doing, but I think the $100 bonus is worth it as well.

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 $25,000 bonus, but no minimum deposit length. Great deal, but only once per lifetime unfortunately.

Capital One $200-$600 Money Market

Direct link to offer

Only really the $200 bonus is worth considering due to the deposit requirements for the bigger bonuses. We’ve also seen a better requirements for the $200 bonus previously, but who knows if that will become available again or not.

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.

Chase $300 Business Checking Bonus

Direct link to offer

Nice deal, only downside is that it has to be done in branch.

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.

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.

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.

OneWest $600 Business Checking/Savings Bonus – CA

Direct link to offer

Only really $400 of the bonus is worth doing. That’s broken into two $200 bonuses and both require a $10,000 deposit.

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.

Chase $200 Business Savings Bonus

Direct link to offer

Basically the same as the personal savings bonus. Requires a $15,000 deposit for 90 days. Works out to be an annualized return of over 5% APY.

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.

Hancock Whitney $300 Checking Bonus – LA, MS, FL, AL, TX –  No Direct Deposit Required

Direct link to offer

Massive bonus and no direct deposit requirement, what’s not to love? Definitely worth doing if you’re in the area.

First Bank Financial Centre $300 Checking Bonus – WI Only – No Direct Deposit Required

Direct link to offer

This bonus is as good as it gets, no direct deposit or monthly fees and one of the larger bonuses available as well. Only downside is no credit card funding. Still a must do for anybody that is eligible.

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.

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.

ACNB/NSWB $400 Bonus – PA & MD only

Direct link to offer

Need to wait one year to get half of the bonus, but at least there is no monthly fee to worry about and you get half semi quickly.

Citizens Bank $400  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.

Investor Bank $250 – NY & NJ – Direct Deposit Not Required

Direct link to offer

You can either do a direct deposit or 10 debit card transactions. There is no monthly fee to worry about either making this a great deal.

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.

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.

S&T Bank $200 – No Direct Deposit Required – PA & OH

Direct link to offer

Nice and easy bonus, just keep in mind not available in all parts of PA & OH.

Cambridge Savings Bank $175 – No Bonus Requirements – MA, CT, ME, NH, RI, VT

Direct link to offer

This bonus has NO requirements, it’s easy to keep it fee free and you can also fund up to $1,000 with a credit card. This is the type of bonus dreams are made of.

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.

U.S. Bank $300 Checking Bonus – DC, parts of VA, MD, WV, PA

Direct link to offer

Lots of people in those regions won’t be eligible, but worth doing if you are. Normally the nationwide bonuses are $200, so this is $100 over that.

BB&T $150 Bonus – PA, TX & NJ – No Direct Deposit Required

Direct link to offer

No monthly fees to worry about or direct deposit required. Bigger than the past $100 bonus as well. Just be mindful of how persistant 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.

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.

Provident Bank – $200 – NJ & PA only – Direct Deposit Not Required

Direct link to offer

No direct deposit, can fund with a credit card and no monthly fees to worry about. This is what we like to see, a healthy $200 bonus doesn’t hurt either.

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

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.

Wells Fargo $200 Checking Bonus – Select Areas Only – No Direct Deposit Required

Direct link to offer

The strength of this bonus is that the requirements are extremely easy to meet (just 10 debit card transactions). Also fairly easy to keep the account fee free.

VantageWest Credit Union $200 – AZ Only

Direct link to offer

Nice bonus with a decent amount of credit card funding, this also opens up the ability to get their 5% credit card as well.

FirstBank $200 – CA, AZ, CO

Direct link to offer

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

Bank & Trust $200 Checking Bonus – CA, KS, MT MO, AZ, CO, NM IL, IA & WI

Direct link to offer (see main post)

Healthy amunt of credit card funding really makes this a great deal.

KeyBank $300 Checking Bonus – Select Areas In WA, OH, PA, NY, CT

Direct link to bonus

Nice big bonus, but we have seen $400 bonuses before and $300 bonuses where it was easier to keep the account fee free and trigger the bonus. Unfortunately we don’t really see those offers anymore so this is really as good as it gets.

NYCB Family Of Banks $250 Checking Bonus – AZ, FL, NJ, NY, and OH

Direct link to offer

Similar offer also available on business checking accounts, but this personal offer is better. Downside of this offer is that it requires a $10,000 deposit for 90 days. Still worth considering, but would have otherwise been higher.

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.

South State Bank – $100 Bonus – GA, NC, SC

Direct link to bonus

Another nice bonus with no direct deposit requirement.

Five Star Bank – $150/$250 Checking Bonus – NY

Direct link to offer

Only really the $150 bonus is worth considering as it’s quite difficult to keep the $250 account fee free.

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

Direct link to offer

Used to be available nationwide, now it’s state restricted but still worth doing.

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.

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.

Crane Credit Union $150 – IN only

Direct link to offer

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

Dedham Savings Bank – $100 Bonus – MA only

Direct link to offer

Only a $100 bonus, but at least there are no monthly fees to worry about.

Fidelity Bank $100 Checking – Northeastern PA only

Direct link to offer

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

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

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.

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.

Capital Bank $200 – Schenectady, NY

Direct link to offer

Lots of requirements for the full bonus, but you can get most of the bonus without a direct deposit and there is no monthly fee to worry about.

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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959 Comments on "Best Bank Account Bonuses For April, 2018"

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Suntrust just came out with a $100 checking bonus:

https://www.suntrust.com/Microsites/Checking/everydaypromo/index.html

Make a $500 or more direct deposit and we’ll give you $100 (within 60 days of account opening)

Online via the link above only what what I see – Suntrust via online chat said – this account is a soft credit pull + Chexsystems.

Unknown as to the duration of this offer.

very interesting you can use any rewards card to redeem rewards for a direct deposit ive tried chase ultimate just press redeem rewards for cash and type in the amount you would like to redeem

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

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

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

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!

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.

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

I already have Chase checking, so not bothered. But I have $175 savings acct offer that I would like to go for. Can’t find just the $200 bonus for savings in e-bay. $175 a good deal?

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

Sam, CHASE was my main bank for years. But after taking advantage of the CAP ONE, Wells, etc. promotions it simply made sense to close CHASE checking for two reasons:

1) I don’t have to maintain it (spend time on some action every month or keeping a balance that waives the fee)

2) Closing the account qualifies me for $300 ninety days later for reopening.

So when you say you “don’t bother” you are stating that leaving CHASE for 3 months isn’t worth $300 to you (assuming the same promo will exist, and we have no reason to believe at this point it won’t).
Just my opinion, but if I were you I’d close the account and come back in October and get BOTH bonuses.

Suntrust has a good bonus as well. I was able to sign up for it online here in Cali yesterday for the $200 checking bonus.

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

Thanks for putting together the bonuses information. Do you know if any of the above banks let you open a checking/saving with no SSN. I have only ITIN (tax id) and AMEX cc on my name (just got it last Nov with ITIN).

Citi now has a $400 offer for opening a Citigold account, and storing $50,000 there for 15 days.
Code CZGA.

Saw it on hustlermoneyblog.

Citi is jerking me around fulfilling the $400 bonus.
Many emails a few phone calls. Every time I’m told another week, they provide a reference number. When that time passes I call again and get a new date and another reference number. Going on 120-130 days now, still no bonus

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

You forgot to mention Legacy Bank and Trust in iprofit account offering 4.00%APR on checking accounts with requirements that can be found here: https://www.legacybankandtrust.com/checking_accounts#iprofit

Don’t see a way to open an account online so looks like you have to live in Missouri. Wish it were available to everyone.

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

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.

Diamond – I signed up my account on the 8th of this month (April) the payment did not post, I called them today and they quickly posted two $50 payments to my account.

The Citi offer has expired. Called in this morning (Apr 6) and rep informed me the offer expired. Strange thing is the code still seems to work but I’m cautious and don’t want to risk using the code unless a rep can confirm offer is still valid. Will try calling again later today to speak to a different rep.

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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