Compare bank bonuses and budgeting app deals checked against issuer terms, 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 with the offer by 2026-10-14 and receive direct deposits totaling $1,000 or more within 90 days of offer enrollment. Existing Chase checking customers and certain recent former customers are ineligible. The $15 monthly service fee is waived with $500 or more in qualifying electronic deposits, a $1,500 beginning-day balance, or other qualifying linked balances.
Source: issuer terms. Confidence: high.
Beelinger note: Good fit only if you can redirect eligible direct deposit without disrupting bills.
$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 $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 online from the dedicated welcome-bonus page, or open an eligible consumer checking account in branch using the applicable bonus code, by 2026-10-06. Receive $1,000 or more in qualifying electronic deposits within 90 calendar days of account opening. Qualifying electronic deposits can include ACH direct deposits, eligible RTP or FedNow payments, and certain electronic credits from third-party services to a debit card. Transfers between accounts, mobile deposits, Zelle, and branch or ATM deposits do not qualify. The account must remain open through bonus payment. The offer is for new consumer checking customers and is unavailable to customers who received a Wells Fargo consumer checking bonus within the prior 12 months.
Source: Wells Fargo dedicated issuer welcome-bonus page. Amount, threshold, deadline, payout timing, fee, and eligibility are issuer-confirmed. Confidence: high.
Beelinger note: This is a distinct Wells Fargo campaign path from the separate $325 offer already tracked by Beelinger. It offers $400 with the same $1,000 qualification threshold but an earlier October 6 deadline, so compare this path first while it remains available.
$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.
$325
$325 checking bonus
Offer opens on the issuer's website. Eligibility and payment are determined by the issuer.
Open a new eligible Wells Fargo Everyday Checking account through the offer page by 2026-10-13 and receive $1,000 or more in qualifying electronic deposits within 90 calendar days. The monthly fee may be waived using qualifying electronic deposits, a qualifying minimum daily balance, or another listed waiver method.
Source: issuer terms. Confidence: high.
Beelinger note: A practical national offer when the account and fee-waiver rules fit your normal banking activity.
$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 cash bonus
Offer opens on the issuer's website. Eligibility and payment are determined by the issuer.
Geographic restrictions apply. Open a Key Smart Checking account online by 2026-12-11 using code KDMA0526, make the $10 minimum opening deposit, and receive eligible direct deposits totaling $2,000 or more within 90 days. The account must remain open when the bonus is paid. The offer is unavailable to people who were primary owners of a KeyBank personal checking account within the previous 12 months.
Source: issuer terms. Confidence: high. KeyBank states that geographic restrictions apply.
Beelinger note: A no-monthly-fee option, but verify online eligibility for your address before starting the application.
$500
$500 welcome bonus
Offer opens on the issuer's website. Eligibility and payment are determined by the issuer.
Geographic restrictions apply. Open a Key Select Checking account online by 2026-12-11 using code KDMB0526, make the $50 minimum opening deposit, and receive eligible direct deposits totaling $5,000 or more within 90 days. The account must remain open when the bonus is paid. After the first three statement cycles, the $25 monthly fee is waived with at least $3,000 in eligible direct deposits per statement cycle or $15,000 in combined qualifying KeyBank balances.
Source: issuer terms. Confidence: high. KeyBank states that geographic restrictions apply.
Beelinger note: The $500 headline is attractive, but the ongoing fee-waiver requirements make this a higher-friction account.
$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 cash bonus
Offer opens on the issuer's website. Eligibility and payment are determined by the issuer.
Available only when the primary applicant resides in AZ, CA, CO, FL, IA, IL, IN, MN, NM, NV, OR, UT, WA, or WI. Open an eligible BMO checking account through the offer page by 2026-09-08 and receive cumulative qualifying direct deposits totaling $4,000 within 90 days.
Source: issuer terms. Confidence: high. Regional eligibility applies.
Beelinger note: Check state eligibility first. This should not be treated as a nationwide offer.
$400
$400 cash bonus for Perks Checking
Offer opens on the issuer's website. Eligibility and payment are determined by the issuer.
Available only in CO, DC, IL, IN, KY, MI, MN, NC, OH, PA, SC, TX, WV, and WI. Open a new Huntington Perks Checking account with the promotion by 2026-09-30, receive qualifying direct deposits totaling $500 or more within 90 days, and keep the account open for at least 90 days.
Source: issuer terms. Confidence: high. Regional eligibility applies.
Beelinger note: The direct-deposit hurdle is low, but readers outside Huntington service areas cannot qualify.
$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 $450
$250, $350, or $450 based on qualifying direct deposit total
Offer opens on the issuer's website. Eligibility and payment are determined by the issuer.
Availability may be limited to the U.S. Bank footprint shown on this card. Reported terms require a new Smartly Checking account, at least $25 to open, online or mobile banking enrollment, and two or more qualifying direct deposits within 90 days. Reported tiers are $250 for $2,000 to $4,999.99, $350 for $5,000 to $7,999.99, and $450 for $8,000 or more. Confirm every requirement directly with U.S. Bank before opening.
Source: issuer availability page plus corroborating trackers. Confidence: medium; full issuer terms were not completely accessible during verification.
Beelinger note: Included for completeness, but readers should treat the tier details as requiring direct issuer confirmation.
$400
$50 for $1,000 to $4,999.99 in eligible direct deposits; $400 for $5,000 or more
Offer opens on the issuer's website. Eligibility and payment are determined by the issuer.
New or existing SoFi members who have never set up direct deposit with SoFi must receive their first eligible direct deposit by 2026-12-31. Bonus is based on eligible direct deposits received during the 25-day bonus period after the first eligible direct deposit. No account maintenance fees.
Source: issuer terms. Confidence: high.
Beelinger note: Best for someone moving a paycheck anyway, not someone forcing deposits only for the bonus.
$250
$250 bonus
Offer opens on the issuer's website. Eligibility and payment are determined by the issuer.
Open a new 360 Checking account using promo code CHECKING250 and receive at least two qualifying direct deposits of $500 or more each within 75 days of account opening. No minimum balance is required to maintain the account for the bonus. No monthly maintenance fee.
Source: issuer terms. Confidence: high.
Beelinger note: Strong no-fixed-expiration checking offer, but confirm the code is still live 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.
$50
$50 for $1,000 to $4,999 in new funds or securities; higher tiers require larger deposits
Offer opens on the issuer's website. Eligibility and payment are determined by the issuer.
New E*TRADE clients must open one eligible non-retirement brokerage account by 2026-10-31 using code OFFER26 and fund within 60 days with at least $1,000 in new funds or securities. Funds must generally remain for 12 months.
Source: issuer terms. Confidence: high.
Beelinger note: Use this only if you already planned to open and fund a brokerage account.
$50
$50 for transferring or rolling over $5,000 to $24,999; higher tiers require larger transfers
Offer opens on the issuer's website. Eligibility and payment are determined by the issuer.
Open a J.P. Morgan Self-Directed Investing account through the offer page by 2026-10-21 and transfer or roll over qualifying new money within 45 days. Entry tier starts at $5,000. Maintain the qualifying new funds through day 90; the bonus is generally added within 15 days afterward.
Source: issuer terms. Confidence: high.
Beelinger note: The transfer requirement is much higher than the entry E*TRADE tier.
1%
1% cash back on up to $3,000 in debit card purchases each month
Offer opens on the issuer's website. Eligibility and payment are determined by the issuer.
Use a Discover Cashback Debit account for eligible debit card purchases. Cash back is capped at up to $3,000 in monthly debit card purchases and is subject to deposit account terms. No monthly maintenance fee.
Source: issuer terms. Confidence: high.
Beelinger note: This is a standing debit-card cash-back feature rather than a one-time account-opening bonus.
1%
1% match on IRA transfers and old 401(k) rollovers; annual IRA contributions can earn 1% or 3% with Robinhood Gold
Offer opens on the issuer's website. Eligibility and payment are determined by the issuer.
Eligible self-directed Robinhood IRA contributions, IRA transfers, and old 401(k) rollovers can earn the match. Gold subscribers can earn 3% on eligible annual IRA contributions; transfers and rollovers earn 1%. Assets that earned a match generally must be held in the IRA for at least 5 years, and Gold-match recipients must maintain Gold for the required period.
Source: issuer terms. Confidence: high.
Beelinger note: Treat this as retirement-account math, not quick cash.
Free
Free financial tools
Offer opens on the issuer's website. Eligibility and payment are determined by the issuer.
Use Empower's free financial tools dashboard for budgeting, net worth, debt paydown, retirement planning, and related tools.
Source: issuer terms. Confidence: high.
Beelinger note: Best for readers who want visibility before paying for another app.
30%
30% off first year with code WELCOME
Offer opens on the issuer's website. Eligibility and payment are determined by the issuer.
New users only; valid for annual Core plan on web checkout only. Cannot be combined with other offers and is not redeemable through the mobile app.
Source: issuer terms. Confidence: high.
Beelinger note: Good fit for household budgeting if you want premium planning tools.
7 days
Free plan available; new Premium members get a 7-day free trial
Offer opens on the issuer's website. Eligibility and payment are determined by the issuer.
Free plan includes core tools. Premium is optional and uses sliding-scale pricing; new Premium members receive a 7-day free trial.
Source: issuer terms. Confidence: high.
Beelinger note: Useful if the goal is finding subscriptions and spending leaks, not earning a cash bonus.
12 months
One free year of YNAB for verified college students
Offer opens on the issuer's website. Eligibility and payment are determined by the issuer.
Must be a college student and provide proof of enrollment such as a student ID card, transcript, or tuition statement. Once verified, the student receives a unique invite to redeem the free year.
Source: issuer terms. Confidence: high.
Beelinger note: High value for eligible students, irrelevant for everyone else.
We show nationwide and regional offers 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.
Often yes. Brokerage offers may require new money, a transfer, or a minimum balance that stays in the account for a stated period.
They can be worth it if the app solves a real problem for you. A discount is not useful if you forget to cancel, do not use the app, or pay a renewal price you do not want.
It means Beelinger found the offer on a public issuer or official support page during the latest verification sweep. Terms can still change after verification.