Compare checking and savings bonuses checked against issuer sources, including bonus amount, deposit requirements, monthly fees, deadlines, and state availability. Choose your state to skip regional offers you likely cannot use before opening the issuer’s site.
We review issuer terms, expiration dates, geographic restrictions, required deposits or balances, monthly fees, fee-waiver rules, payout timing, and account-holding requirements. Offers are not ranked only by the headline bonus. We also consider how difficult the requirements are to meet and whether the account creates ongoing costs.
These are not simply the four biggest headline bonuses. We select different winners for practical value: capital efficiency, broad availability, high cash payout, and flexibility for readers who cannot use direct deposit.
$350 upfront (up to $550)
One qualifying $500+ direct deposit within 90 days for the first $350
Strong first-stage value with no monthly maintenance fee. The $350 first payout equals 70% of the qualifying $500 direct-deposit threshold; the extra $200 requires longer 12- and 24-month activity.
See full offer details$400
$1,000+ in qualifying direct deposits within 90 days
A straightforward national offer from a large branch bank, with a moderate qualifying-deposit hurdle and several ways to waive the monthly fee.
Close alternative: Wells Fargo Everyday Checking also offers $400 for $1,000 in qualifying electronic deposits, with an October 6, 2026 deadline.
See full offer details$500
2 qualifying direct deposits totaling $2,000+ plus 20 debit-card purchases within 120 days
One of the strongest verified regional cash payouts without requiring a five-figure balance lockup. The tradeoff is more transaction friction than the first two picks.
NJ readers: Columbia Bank’s $500 entry bonus may require less transaction activity than Truist, while the full $1,000 offer requires $10,000 in new money.
See full offer details$175
10 qualifying transactions within 60 days; no direct deposit required for the bonus
Useful for readers who cannot or do not want to reroute payroll. The headline is smaller, but the qualification path is much more flexible.
See full offer detailsHow we choose: Beelinger weighs the useful first-stage cash payout, qualifying deposit or activity burden, monthly fees, geographic reach, time to earn the bonus, and whether a no-direct-deposit alternative is available. A high headline amount alone does not make an offer a top pick.
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Some bank bonuses are limited to specific states or branch service areas. Select your state to hide offers you likely cannot use, then confirm your address and eligibility on the issuer’s site before applying.
Checking-account bonuses are shown first. Use the state and requirement filters to narrow the list before opening issuer terms.
$400
$400 checking account bonus
Offer opens on the issuer's website. Eligibility and payment are determined by the issuer.
Open a new Chase Total Checking account through the promotional page by 2026-10-14. Receive qualifying direct deposits totaling at least $1,000 within 90 days of enrollment and keep the account open through payment. The $15 monthly service fee can be waived with at least $500 in qualifying electronic deposits, a $1,500 beginning-day balance, $5,000 in qualifying combined balances, or another issuer-listed waiver. Checks, Zelle, external account transfers, tax refunds, and wire transfers do not count as qualifying direct deposits.
Source: Chase issuer promotional page; cross-checked against NerdWallet. Amount, deadline, direct-deposit threshold, fee-waiver options, and payout timing were reverified 2026-09-07. Confidence: high.
Beelinger note: A straightforward nationwide $400 offer with a relatively moderate $1,000 qualifying direct-deposit hurdle. The monthly fee is manageable only if one of the waiver methods fits your normal banking activity.
$175
$175 after 10 qualifying transactions within 60 days
Offer opens on the issuer's website. Eligibility and payment are determined by the issuer.
Open a new Chase Secure Banking account by 2026-10-14 using the offer path, then complete at least 10 qualifying transactions within 60 days of offer enrollment. Qualifying activity includes debit-card purchases, online bill payments, Chase QuickDeposit, Zelle, and ACH credits. No minimum deposit is required to open. The $4.95 monthly service fee is waived with at least $250 in qualifying electronic deposits during a statement period or when an account owner is age 17-24.
Source: Chase issuer offer page. Confidence: high.
Beelinger note: A lower headline bonus than Chase Total Checking, but the qualification path can work for readers who prefer transactions instead of a large direct-deposit hurdle.
Up to $500
$100 with $2,000 in qualifying direct deposits, $300 with $5,000, or $500 with $10,000+; separate $100 SafeBalance path uses 20 qualifying debit or Zelle transactions
Offer opens on the issuer's website. Eligibility and payment are determined by the issuer.
New checking customers can choose one of two promotional paths. For the up-to-$500 path, open a new eligible Bank of America Advantage Plus Banking or Advantage Relationship Banking account through the offer page by 2026-09-30 and receive qualifying direct deposits within 90 days. Earn $100 with at least $2,000 in qualifying direct deposits, $300 with at least $5,000, or $500 with $10,000 or more. For the separate $100 SafeBalance path, open an eligible Advantage SafeBalance Banking account through the offer page by 2026-09-30 and make at least 20 qualifying debit-card or Zelle transactions within 60 days. Only one offer is allowed per customer. Customers who owned or co-owned a Bank of America personal checking account within the previous 12 months are not eligible.
Source: Bank of America issuer promotion page confirms the $100 transaction-based SafeBalance offer, the $100/$300/$500 direct-deposit tiers, September 30, 2026 deadline, account fees, and payout timing. NerdWallet cross-check confirms prior-customer exclusion. Confidence: high.
Beelinger note: The $500 headline requires $10,000 in qualifying direct deposits, so the $100 or $300 tiers may be more realistic for many readers. The separate SafeBalance option is notable because it can earn $100 without direct deposit by completing 20 qualifying debit or Zelle transactions.
$400
$400 after one qualifying direct deposit of $1,000 or more within 60 days
Offer opens on the issuer's website. Eligibility and payment are determined by the issuer.
Open your first eligible Citizens personal checking account through the specific Citizens promotion page between 2026-07-01 and 2026-09-30. Have at least one single qualifying direct deposit of $1,000 or more post within 60 days of opening. The primary signer cannot be or have been a signer on any other Citizens personal checking or savings account during the previous six months. Keep the new account funded above $0, open, and active through payout. Zelle, Cash App, Venmo, PayPal, and similar peer-to-peer transfers may not count as qualifying direct deposit. The offer cannot be combined with another checking offer, and Citizens Private Bank Checking and Citizens Private Bank Savings are excluded.
Source: Citizens issuer-hosted Q3 2026 campaign landing page saved and reviewed by Beelinger. The page carries a noindex directive and states the offer is available only through that page. Confidence: high.
Beelinger note: Strong $400 return for a single $1,000 qualifying direct deposit. The main catch is enrollment: the account must be opened from the campaign page, so use the Citizens landing page rather than navigating to a generic checking page.
Up to $550
$350 after the first qualifying $500+ direct deposit, plus $100 after 12 consecutive months and another $100 after 24 consecutive months
Offer opens on the issuer's website. Eligibility and payment are determined by the issuer.
Open an eligible FourLeaf Free Checking, Smart Checking, or Student Checking account by 2026-12-31. New members must establish membership by opening and maintaining a $5 savings share. Receive a recurring qualifying direct deposit of at least $500 within 90 days to earn the first $350. Continue receiving a qualifying direct deposit of at least $500 each month for 12 consecutive months to earn another $100 and for 24 consecutive months to earn the final $100. The checking account must remain open and in good standing through each payout. Existing primary checking owners and members who previously received a FourLeaf new-checking opening bonus are not eligible.
Source: FourLeaf issuer promotion and membership pages; pull type cross-checked against Doctor of Credit. Confidence: high.
Beelinger note: Strong audience fit because the first $350 requires only a $500 qualifying direct deposit and the account has no monthly maintenance fee. The full $550 headline takes two years, so the $350 first-stage value is the more practical comparison point.
$300
$300 after three consecutive months of qualifying direct deposits and debit-card activity
Offer opens on the issuer's website. Eligibility and payment are determined by the issuer.
Open a new Ion Bank Free Choice Checking account during the promotional period ending 2026-12-31. Receive at least $1,000 per month in qualifying direct deposits and make at least four point-of-sale Ion Bank debit-card transactions per month for three consecutive months after opening. Keep the account open through payout. The offer is not available to existing Ion Bank checking customers, customers whose Ion checking account was closed within 90 days, or customers whose Ion checking account was closed with a negative balance within the last three years. Ion Bank currently operates branch locations across Connecticut and New Jersey; confirm online account eligibility for your address before opening.
Source: Ion Bank issuer Free Choice Checking promotion and current locations pages. Confidence: high.
Beelinger note: No minimum balance and no monthly fee make the account attractive, but the bonus requires both recurring direct deposits and four debit-card purchases in each of three consecutive months.
$400
$400 after qualifying direct deposits totaling $1,000 or more within one statement cycle during the first three statement cycles
Offer opens on the issuer's website. Eligibility and payment are determined by the issuer.
Open a new Northwest Affinity Checking, Affinity Plus Checking, or Affinity Premier Checking account using promo code EARN400 by 2026-12-31. Make qualifying direct deposits totaling at least $1,000 within a single statement cycle during the first three statement cycles after opening. The account must remain open through payment. The offer is unavailable to existing Northwest checking customers and customers whose Northwest checking account closed within the prior 12 months. Eligibility is limited to qualifying ZIP codes in specified counties in New York, Ohio, and Pennsylvania, so confirm your ZIP on the issuer page before applying.
Source: Northwest Bank issuer promotion page. Current issuer terms explicitly show code EARN400, the $1,000 requirement, December 31 deadline, payout timing, and eligible-county restrictions. Confidence: high.
Beelinger note: The simplest Affinity Checking option has no monthly service charge or minimum-balance requirement, making the $400 reward attractive for eligible ZIP codes. The geographic restriction is narrower than a state-level filter, so always confirm ZIP eligibility.
Up to $1,000
$500 after $2,000 in qualifying ACH credits, plus $250 with $5,000 or $500 with $10,000 in qualifying new money
Offer opens on the issuer's website. Eligibility and payment are determined by the issuer.
Open a new Columbia Bank Advantage Plus Checking account. Earn the first $500 after qualifying ACH credits totaling at least $2,000 post within 60 days of opening. For an additional $250, deposit at least $5,000 in new money within 15 days and maintain it for another 120 days; for an additional $500, deposit at least $10,000 in new money within 15 days and maintain it for the same 120-day seasoning period. The account must remain open through payment. Customers who previously received any Columbia Bank checking or savings opening bonus are not eligible for the $500 new-account bonus. The $10 monthly maintenance service charge can be waived with more than $1,000 in direct deposits or three qualifying online bill payments or external ACH withdrawals per statement cycle.
Source: Columbia Bank Advantage Plus Checking issuer page and offer disclosures. Amounts, timing, balance-seasoning requirement, fee, and waiver methods are issuer-confirmed. No fixed expiration date is published. Confidence: high.
Beelinger note: The practical entry offer is $500 for $2,000 in ACH credits. The full $1,000 requires adding $10,000 of new money and keeping it in the account for 120 days, so it is excluded from Beelinger's Top cash bonus spotlight despite the larger headline.
$400
$400 after $1,000 or more in qualifying electronic deposits within 90 days
Offer opens on the issuer's website. Eligibility and payment are determined by the issuer.
Open a new Wells Fargo Everyday Checking account through the dedicated welcome-bonus page by 2026-10-06. Receive at least $1,000 in qualifying electronic deposits within 90 calendar days and keep the account open through payment. Online applications receive the offer automatically; branch applicants must obtain an offer code. The $15 monthly fee can be waived with at least $500 in qualifying electronic deposits per fee period or another issuer-listed waiver.
Source: Wells Fargo dedicated issuer welcome-bonus page; cross-checked against Doctor of Credit. The current $400 campaign replaces Beelinger's older $325 listing. Amount, threshold, deadline, payout timing, and fee were reverified 2026-09-07. Confidence: high.
Beelinger note: This is now the canonical Wells Fargo Everyday Checking listing on Beelinger. The prior $325 card has been replaced by the issuer-confirmed $400 welcome-bonus campaign.
$125
$125 bonus with 10 qualifying transactions; no direct deposit required
Offer opens on the issuer's website. Eligibility and payment are determined by the issuer.
Open a new Wells Fargo Clear Access Banking account through the offer page by 2026-10-13 and complete at least 10 qualifying posted transactions within 60 calendar days. Eligible activity includes qualifying debit-card or digital-wallet purchases, Wells Fargo Bill Pay, qualifying mobile check deposits, and eligible Zelle transactions. No direct deposit is required. Clear Access is checkless and does not include standard overdraft coverage.
Source: issuer promotion page; cross-checked against NerdWallet. Confidence: high.
Beelinger note: Lower headline bonus, but useful for readers who cannot or do not want to redirect direct deposit.
$500
$500 checking bonus
Offer opens on the issuer's website. Eligibility and payment are determined by the issuer.
Open a new Truist One Checking account from 2026-07-14 through 2027-02-02 and enroll with a valid single-use promo code at account opening. Within 120 days, receive at least two qualifying direct deposits totaling $2,000 or more and complete at least 20 qualifying debit card purchases. Existing Truist personal checking primary owners and customers who closed a Truist personal checking account on or after 2025-07-14 are ineligible. The account must have a positive balance and remain open and unrestricted at payout.
Source: Truist issuer terms. Confidence: high.
Beelinger note: Strong $500 headline, but it requires both direct deposits and 20 debit-card purchases. The $12 monthly fee is waivable through several relationship or activity options.
$500
$500 premium checking bonus
Offer opens on the issuer's website. Eligibility and payment are determined by the issuer.
Open a new Truist Marquee Checking account from 2026-07-14 through 2027-02-02 and enroll with a valid single-use promo code at account opening. Within 120 days, receive at least two qualifying direct deposits totaling $2,000 or more and complete at least 20 qualifying debit card purchases. Existing Truist personal checking primary owners and customers who closed a Truist personal checking account on or after 2025-07-14 are ineligible. The account must have a positive balance and remain open and unrestricted at payout.
Source: Truist issuer terms. Confidence: high.
Beelinger note: Same $500 promotion as Truist One, but the Marquee account has a much harder $35 monthly-fee waiver. Most readers should compare the One account first.
$400
$400 checking bonus with one direct deposit and a $5,000 average daily balance
Offer opens on the issuer's website. Eligibility and payment are determined by the issuer.
Open a new eligible Santander checking account in a branch by 2026-12-18 using a valid promotion code. Have at least one qualifying direct deposit post and maintain an average daily balance of at least $5,000 during the first 90 days. Keep the account open for at least 90 days and in good standing through bonus payment. Offer is limited to residents of NH, MA, RI, CT, DE, NY, NJ, PA, and select areas of Florida including Miami-Dade, Monroe, Broward, and Collier ZIP code 34141. Current Santander checking customers and customers who had a Santander checking account in the prior 12 months are ineligible.
Source: Santander issuer checking-offer page. Confidence: high.
Beelinger note: This is a strong GSC-driven addition for readers searching Santander checking bonus. The main friction is the $5,000 average daily balance and in-branch opening requirement.
Up to $700
$450 checking bonus plus an extra $250 savings bonus
Offer opens on the issuer's website. Eligibility and payment are determined by the issuer.
For the $450 checking bonus, open a new FirstView Checking account between 2026-08-03 and 2026-09-25, fund it with new money, and receive qualifying direct deposits totaling at least $2,000 within 90 days. Keep the checking account open for at least 90 days. To earn the additional $250, open a Traditional Savings account on the same business day, deposit at least $3,000 in new funds within 30 days, and maintain at least a $3,000 daily collected balance for 90 days from the deposit date. Applicant must reside in a state where First Horizon has a banking center.
Source: First Horizon issuer promotion terms; branch-state list cross-checked against the current First Horizon footprint. Confidence: high.
Beelinger note: The full $700 requires two accounts and tying up $3,000 in savings for 90 days. The standalone $450 checking bonus is easier to evaluate.
$300
$300 checking bonus currently advertised by TD
Offer opens on the issuer's website. Eligibility and payment are determined by the issuer.
TD currently advertises a $300 bonus for new TD Beyond Checking customers who receive at least $2,500 in qualifying direct deposits within the first 60 days. The older checking-and-savings bonus page supplied for this update expired on 2026-07-30, so Beelinger is not using that expired page as the active offer source. Confirm the current enrollment deadline and full eligibility rules on TD before opening.
Source: Current TD checking account page confirms the $300 amount and $2,500 direct-deposit requirement, but a fresh offer expiration was not confirmed. Confidence: medium.
Beelinger note: Included because TD still advertises the checking bonus, but treat the deadline as unverified and confirm it immediately before applying.
$200
$200 checking bonus currently advertised by TD
Offer opens on the issuer's website. Eligibility and payment are determined by the issuer.
TD currently advertises a $200 bonus for new TD Complete Checking customers who receive at least $500 in qualifying direct deposits within the first 60 days. The older checking-and-savings bonus page supplied for this update expired on 2026-07-30, so Beelinger is not treating that page as current terms. Confirm the live enrollment deadline and all eligibility rules on TD before opening.
Source: Current TD checking account page confirms the $200 amount and $500 direct-deposit requirement, but a fresh offer expiration was not confirmed. Confidence: medium.
Beelinger note: Lower bonus than TD Beyond, but the direct-deposit hurdle is much smaller. Confirm the current deadline before opening.
$300
$300 checking bonus
Offer opens on the issuer's website. Eligibility and payment are determined by the issuer.
Regional availability applies and may depend on proximity to a Fifth Third branch. Open a new Fifth Third Momentum Checking or eligible Preferred Checking account with the offer by 2026-09-30 and receive qualifying payroll or government-issued direct deposits totaling $500 or more within 90 days. The account must remain open and in good standing. Existing Fifth Third deposit customers and customers who closed a Fifth Third deposit account within the previous 13 months are generally ineligible.
Source: issuer promotion page plus current corroborating trackers. Confidence: high on amount, requirements, and expiration; confirm ZIP eligibility with Fifth Third.
Beelinger note: Low direct-deposit hurdle and no monthly fee on Momentum Checking, but the offer is not available everywhere.
$300
$300 after $2,000 in eligible direct deposits within 90 days
Offer opens on the issuer's website. Eligibility and payment are determined by the issuer.
Open a new Key Smart Checking account online using code KDMA0526 by 2026-12-11. Deposit at least $10 to open and receive eligible direct deposits totaling at least $2,000 within 90 days. Keep the account open through payment. Geographic restrictions apply; the current matched eligibility tracker lists AK, CO, CT, ID, IN, MA, ME, MI, NY, OH, OR, PA, UT, VT, and WA, but confirm your address directly with KeyBank.
Source: KeyBank issuer checking-bonus page; geographic coverage cross-checked against the current matched tracker. Amount, code, deadline, deposit requirement, no-monthly-fee account structure, and payout timing were reverified 2026-09-07. Confidence: high.
Beelinger note: No monthly maintenance fee makes this the lower-friction KeyBank option. Address eligibility remains the main constraint.
$500
$500 after $5,000 in eligible direct deposits within 90 days
Offer opens on the issuer's website. Eligibility and payment are determined by the issuer.
Open a new Key Select Checking account online using code KDMB0526 by 2026-12-11. Deposit at least $50 to open and receive eligible direct deposits totaling at least $5,000 within 90 days. Keep the account open through payment. The $25 monthly fee is waived for the first three months and afterward requires at least $3,000 in eligible direct deposits per statement cycle or $15,000 in combined balances. Geographic restrictions apply; the current matched eligibility tracker lists AK, CO, CT, ID, IN, MA, ME, MI, NY, OH, OR, PA, UT, VT, and WA, but confirm your address with KeyBank.
Source: KeyBank issuer checking-bonus page; geographic coverage cross-checked against the current matched tracker. Amount, code, deadline, fee-waiver rules, deposit requirement, and payout timing were reverified 2026-09-07. Confidence: high.
Beelinger note: The $500 headline is stronger than Key Smart Checking, but the $5,000 direct-deposit hurdle and ongoing $25 fee-waiver requirements make it the higher-friction choice.
$100
$100 after building a 12-month savings habit
Offer opens on the issuer's website. Eligibility and payment are determined by the issuer.
New Alliant Credit Union members must open the promotional savings account through the offer page by 2026-12-31. Deposit or transfer at least $100 each month for 12 consecutive months, beginning with the first $100 within 30 days of opening. Maintain at least a $100 average daily minimum balance and finish the 12-calendar-month period with a balance of at least $1,200.
Source: Alliant Credit Union issuer promotion terms. Confidence: high.
Beelinger note: This is a savings-habit reward, not quick cash. It is strongest for someone who already wants to automate at least $100 of monthly savings for a full year.
Up to $60
$5 in qualifying months, up to $60 during the first year
Offer opens on the issuer's website. Eligibility and payment are determined by the issuer.
Open a new BMO Savings Builder account with the $25 minimum opening deposit. For each eligible month in the first year that the account balance grows by at least $200, BMO credits a $5 savings reward, up to $60 total. Balance growth is measured by comparing the prior month-end ledger balance with the current month-end ledger balance. The account must remain open when rewards are paid.
Source: BMO Savings Builder Deposit Account Disclosure and Bank Fee Schedule. Confidence: high.
Beelinger note: Small reward, but no monthly maintenance fee and no direct-deposit requirement. Best viewed as an incentive for consistent savings rather than a traditional bank-opening bonus.
$400
$400 after at least $500 in qualifying direct deposits within 90 days
Offer opens on the issuer's website. Eligibility and payment are determined by the issuer.
Open a new Huntington Perks Checking account through the promotion page by 2026-09-30. Receive qualifying direct deposits totaling at least $500 within 90 days and keep the account open for at least 90 days. The current issuer page lists availability in AL, AR, CO, FL, GA, IL, IN, KY, LA, MI, MN, MS, MO, NC, OH, PA, SC, TN, TX, WV, and WI.
Source: Huntington issuer promotion page; cross-checked against Forbes Advisor. Amount, $500 requirement, expanded current state footprint, deadline, and payout timing were reverified 2026-09-07. Confidence: high.
Beelinger note: The $500 direct-deposit hurdle is low relative to the $400 bonus. The current issuer footprint is broader than Beelinger previously listed, so state availability has been refreshed.
$400
$400 bonus for opening both checking and savings
Offer opens on the issuer's website. Eligibility and payment are determined by the issuer.
Open and fund both a new Equity Bank checking account and savings account within 45 days of each other and by 2026-09-30 using code SURGE. Receive at least $1,000 in combined qualifying direct deposits into checking within 45 days, activate and use the debit card within 45 days, and keep both accounts active and in good standing.
Source: Equity Bank issuer promotion page; cross-checked against Forbes Advisor. Confidence: high.
Beelinger note: The direct-deposit hurdle is moderate, but opening two accounts and completing debit-card activity adds more friction than a simple checking bonus.
Up to $400
$50 with $1,000-$4,999.99 in eligible direct deposits or $400 with $5,000 or more
Offer opens on the issuer's website. Eligibility and payment are determined by the issuer.
Eligible new or existing SoFi members who have never established direct deposit with SoFi must receive their first eligible direct deposit by 2026-12-31. SoFi totals eligible direct deposits received during the 25 calendar days beginning with the first eligible deposit. Earn $50 with $1,000-$4,999.99 in eligible direct deposits or $400 with $5,000 or more. Eligible deposits must be recurring income from an employer, payroll or benefits provider, or government agency.
Source: SoFi issuer banking page; cross-checked against NerdWallet. Amounts, 25-day qualification window, December 31 deadline, no-fee structure, and payout timing were reverified 2026-09-07. Confidence: high.
Beelinger note: The $50 entry tier is much easier to reach than the $5,000 top tier. The account has no monthly, minimum-balance, or overdraft fees.
$250
$250 after two qualifying direct deposits of $500 or more each
Offer opens on the issuer's website. Eligibility and payment are determined by the issuer.
Open a new Capital One 360 Checking account using promo code CHECKING250. Receive at least two qualifying direct deposits of $500 or more each within 75 days and keep the account open and in good standing through payment. Applicants are ineligible if they held a 360 Checking, Simply Checking, or Total Control Checking account as a primary or secondary holder on or after 2024-01-01.
Source: Capital One issuer CHECKING250 page; cross-checked against NerdWallet. Amount, code, two-deposit requirement, eligibility lookback, and payout window were reverified 2026-09-07. Confidence: high.
Beelinger note: Strong fit for readers who want a no-monthly-fee account and can make two $500 qualifying direct deposits. There is no fixed public expiration, so verify the code before applying.
$325
$325 after at least two qualifying Enhanced Direct Deposits totaling $3,000 or more within 90 days
Offer opens on the issuer's website. Eligibility and payment are determined by the issuer.
Open a new eligible Citi Regular Checking account through the $325 promotional path and complete at least two qualifying Enhanced Direct Deposits totaling $3,000 or more within 90 calendar days of opening. Citi defines Enhanced Direct Deposit broadly to include qualifying ACH payroll, pension, Social Security, government benefits and other ACH payments; qualifying incoming Zelle and certain ACH-based Venmo or PayPal transfers may also count. Cash deposits, checks, wires, internal Citi transfers, ATM deposits, mobile check deposits, debit-card funding, and instant-transfer services do not qualify as EDD. Citi states that products, pricing, and promotions may vary by home ZIP, so confirm that the $325 offer appears for your address before applying.
Source: Citi issuer campaign currently displays “Open. Deposit. Earn $325” and confirms the $15 Regular Checking fee plus $250 EDD waiver rule and ZIP-dependent availability. The two-deposit/$3,000/90-day structure and 2026-10-26 end date are corroborated by current bonus trackers because the indexed Citi landing-page excerpt does not expose the complete bonus disclosure. Confidence: high on amount and core qualification; confirm the live ZIP-specific disclosure before opening.
Beelinger note: The $3,000 requirement is higher than some competing offers, but Citi’s Enhanced Direct Deposit definition is broader than traditional payroll-only direct deposit. This is a useful offer when the campaign is available for your ZIP and the $15 monthly fee can be waived naturally.
Up to $300
$25 per qualifying month, up to $300 during the first year
Offer opens on the issuer's website. Eligibility and payment are determined by the issuer.
Be among the first 7,000 approved new customers opening by 2026-12-31. Spend at least $300 in eligible purchases with the Percapita Visa Debit Card during a calendar month to receive $25 for that month. The account must remain open, active, and have a positive balance. ATM withdrawals, cash substitutes, account funding, and peer-to-peer transfers do not qualify.
Source: Percapita issuer promotion page; cross-checked against Doctor of Credit. Confidence: high.
Beelinger note: No direct deposit or monthly fee, but earning the full $300 requires repeating $300 of eligible debit-card spending every month for 12 months.
Up to $350
Limited-time new-member campaign combining a qualifying $500+ direct deposit with promotional cash-back rewards, up to $350 total
Offer opens on the issuer's website. Eligibility and payment are determined by the issuer.
Open a new Chime Checking Account as a first-time eligible Chime member through the designated Intro Offer campaign page. The current campaign advertises up to $350 in total rewards and requires qualifying direct-deposit activity of at least $500 plus qualifying card/cash-back activity to earn the full headline value. Chime has recently rotated the reward split under this campaign family, so confirm the exact direct-deposit reward, cash-back rate, caps, card-activation requirement, and timing shown on the landing page before opening. A qualifying direct deposit generally must come by ACH from an employer, payroll provider, gig-economy payer, or benefits payer (or eligible OCT from a gig payer); bank transfers, peer-to-peer transfers, cash deposits, mobile checks, and similar transactions generally do not qualify.
Source: Chime issuer campaign URL actively advertises an “up to $350” Intro Offer in current sponsored placements, with the terms linked to this campaign path. Current third-party checks also confirm a $500+ qualifying direct-deposit requirement plus a cash-back component. Chime has changed the internal reward split recently, so Beelinger intentionally does not freeze a stale split. Confidence: high on $350 maximum and campaign structure; exact component amounts must be checked at enrollment.
Beelinger note: This replaces Beelinger’s older $100 standard-referral card as the primary public acquisition offer. Treat $350 as the maximum promotional value, not a single $350 checking-opening payment: part of the value depends on qualifying cash-back activity.
$400
$400 plus 4.00% promotional APY for six months
Offer opens on the issuer's website. Eligibility and payment are determined by the issuer.
Open a new Premium Savings Account by 2026-09-30 using promo code SAVING26. Deposit at least $20,000 in qualifying net-new money within the first 30 days, then maintain the required average daily balance for the following 45 days. The account also receives a 4.00% promotional APY for six months from opening, after which the rate reverts to the variable standard APY.
Source: E*TRADE / Morgan Stanley Private Bank issuer promotion terms. Confidence: high.
Beelinger note: Included for database completeness but excluded from the Top cash bonus spotlight. The $20,000 funding requirement makes it a poor fit for many Beelinger readers compared with lower-friction checking bonuses.
We show nationwide and regional bank deposit promotions that are still available and useful enough to compare. Regional deals are marked with a state-count warning and list eligible states in the requirements. Expired offers remain excluded. When complete issuer terms could not be retrieved, the card says so and instructs readers to confirm the offer directly before applying.
Expires soon: offer ends within 14 days. Check this first: offer ends within 30 days. No fixed expiration: public offer is live, but the issuer can change or end it anytime. Expired offers are removed from this page automatically. Regional offers remain visible with eligibility warnings so readers can decide whether the offer applies where they live.
Every addition and removal on this page is logged so you can see exactly what moved since your last visit.
Answers to common questions before you open a new account for a bonus or discount.
Many bank bonuses may be treated as taxable income and reported on a tax form, depending on the issuer and account type. Keep your bonus records and check the issuer tax documents.
Most meaningful checking bonuses require qualifying direct deposit. Some offers define direct deposit narrowly, so read the issuer terms before applying.
Sometimes, but banks often restrict existing customers, recent customers, repeat bonuses, household eligibility, or prior account closures.
Each active offer has its own last-verified date. Beelinger flags active offers that have not been rechecked within the freshness window, while newer offers can remain current without waiting for a page-wide sweep.
It means Beelinger reviewed a public issuer promotion, product, disclosure, or support page for the offer. Some details may still require direct issuer confirmation when a full disclosure is not publicly accessible.