When you find a solid savings or checking account, chances are, you’ll get comfortable with your bank – and you’ll never want to switch – unless you are eyeing one of the best bank account bonuses that could help pad your new account.
By staying with one bank your whole life, you’re missing out on some very attractive checking and savings account offers. I’m talking generous cash bonuses, which you could get just for opening a checking or savings account (or both!).
Whether you’re interested in what the best checking account offers are, or what rewards you could get for opening a new savings account – read on, because, in this post, I’m sharing the ultimate best bank account bonus offers right now.
Best Bank Promotions & Bonus Offers Right Now
Here are the best bank bonuses available right now:
- BMO Personal Checking: $400 cash bonus*
- SoFi Checking and Savings: $300 bonus
- Raisin High Yield Savings: up to $2,000 bonus
- Bank of America: up to $500 bonus
- CIT Bank Platinum Savings: $300 bonus
- KeyBank: up to $500 bonus
- Barclays Tiered Savings: $200 bonus
- Axos Business Bundle: up to $600 bonus
- Truist: $400 bonus
- Chase Total Checking: Up to $300 bonus
- TD Bank: $300 bonus
- Wells Fargo Bank: $325 bonus
- Citi® Enhanced Direct Deposit: $325 bonus
- PNC Virtual Wallet: up to $400 bonus
- U.S. Bank: up to $450 bonus
1. BMO Personal Checking – $400 Cash Bonus*
To receive a $400 cash bonus*, you may want to consider becoming a customer of BMO.
BMO is offering excellent cash bonuses for opening a BMO Smart Advantage Checking account or BMO Smart Money Checking account before January 28, 2026.
Earn a $400 cash bonus* when you have $4,000 in qualifying direct deposits within 90 days of opening between 09/09/25 – 01/28/26.
*Conditions apply. Accounts are subject to approval and provided in the U.S. by BMO Bank N.A. Member FDIC
2. SoFi Checking and Savings – $300 Bonus
SoFi is offering up to a $300 bonus for new and existing customers who setup and complete new direct deposits to a SoFi Checking & Savings account.
The bonus amount you earn is based on the total amount of direct deposits received during the 25-day “Direct Deposit Bonus Period” (which begins when your first direct deposit hits the account).
- $1,000 and $4,999.99, earn $50 bonus.
- $5,000 or more, earn $300 bonus.
SoFi will deposit the bonus into your SoFi account within 7 days of meeting the requirements.
The bonus expires January 31, 2026.
3. Raisin High Yield Savings – up to $2,000 Bonus
Raisin is an online savings platform that partners with banks across the U.S. to offer high-yield savings accounts and CDs.
Right now, you can earn up to a $2,000 bonus when you open a new Raisin account and deposit at least $10,000 within 30 days of account opening.
The bonus is tiered based on the deposit amount you make and maintain:
- $10,000 – $24,499, $80 bonus
- $25,000 – $49,999, $200 bonus
- $50,000 – $99,999, $400 bonus
- $100,000 – $249,999, $800 bonus
- $250,000 or more, $2,000 bonus
You’ll need to then maintain the qualifying balance for 90 days.
The bonus will be paid within 30 days after meeting all the requirements.
The bonus expires January 14, 2026
4. Bank of America – up to $500 Bonus
If you’re looking for a no-fuss way to qualify for a sign-up bonus, Bank of America offers just that.
Open a new eligible checking account by January 31, 2026, and receive qualifying direct deposits totaling at least $2,000 (earn $100), $5,000 (earn $300) or $10,000+ (earn $500) within the first 90 days of account opening. And – voila – the cash bonus is yours!
The offer is only valid to new Bank of America checking account customers, so if you already have a checking account with the bank, you won’t qualify.
How To Qualify:
To qualify, open a Bank of America Advantage Banking account by January 31, 2026, and set up and receive qualifying direct deposits within the first 90 days of account opening
5. CIT Bank Platinum Savings – $300 Bonus
CIT Bank is offering a rare $300 bonus when you open a new CIT Bank Platinum Savings account with promocode PS2025.
Within 30 days, deposit new money in one or more deposits as follows: $25,000 – $49,999.99, earn $225; $50,000+ earn $300.
Bonus will be added to your account within 60 days of qualifying (up to 90 days after account opening)
This is on top of their high-yield savings rate of up to 3.85% APY!
Expires: Limited Time Offer
6. KeyBank – up to $500 Bonus
KeyBank is offering up to a $500 bonus when you open a new KeyBank checking account and set up qualifying direct deposits.
To earn a $300 bonus:
- Open a no-monthly-maintenance-fee Key Smart Checking® account online with at least $10 by May 22, 2026.
- Within 90 days of account opening, make a total of $2,000 or more in eligible direct deposits.
- Bonus will be credited to your account within 60 days of meeting requirements.
- Account must not be closed at the time of gift payment.
To earn a $500 bonus:
- Open a Key Select Checking® account online with at least $50 by May 22, 2026.
- Within 90 days, make a total of $5,000 or more in eligible direct deposits.
- Bonus will be credited to your account within 60 days of meeting requirements.
- Account must not be closed at the time of gift payment.
Accounts available in the following states: AK, CO, CT, ID, IN, MA, ME, MI, NY, OH, OR, PA, UT, VT, WA.
The bonus expires May 22, 2026
7. Barclays Tiered Savings – $200 Bonus
Barclays is offering a $200 bonus when you open a new Barclays Tiered Savings account and deposit at least $30,000 within 30 days of account opening.
For 120 consecutive days maintain at least a $30,000 balance.
After the $30,000 balance is maintained for 120 consecutive days, the $200 bonus will be added directly to the account within 60 days.
Expires: March 31, 2026
8. Axos Business Bundle – up to $600 Bonus
Axos Bank has upped the ante with their new business banking bonus offer.
Open a new Business Premium Savings account AND a Basic Business Checking account through a single application (bundle) with promo code SBB600.
During the first 7 statement cycles, earn $100 each cycle that you complete the following requirements:
– Deposit $1,000 or more (via ACH, check, or wire) into their Basic Business Checking account from an external source
– Use the debit card associated with their Basic Business Checking account to make 2 or more approved purchases of at least $50 for each transaction
– Maintain an average daily balance of at least $1,500 in the Basic Business Checking account
– Maintain an average daily balance is at least $50,000 in the Business Premium Savings account.
Bonus(es) will be deposited into your new account within the first 15 business days following the end of the Statement Cycle in which the eligible business qualified.
*Max total bonuses you can earn is $600. Offer expires June 30, 2026
9. Truist One Checking – $400 Bonus
You can earn a $400 sign-up bonus with the Truist One Checking account when you open a new account online or in-branch using promo code TRUIST25DC400.
You’ll then need to make $1000 in direct deposits in the 120 days from account opening.
- The reward will be deposited into the new checking account within 4 weeks of verifying the Direct Deposit qualification requirement.
Keep in mind that you’ll need to live in a state where they have a branch to qualify. This is limited to: AL, AR, GA, FL, IN, KY, MD, MS, NC, NJ, OH, PA, SC, TN, TX, VA, WV, DC
How To Qualify:
To qualify, open a new account, then receive at least $1,000 worth of qualifying deposits within 120 days.
10. Chase Total Checking – $300 Bonus
New customers who open a Chase Total Checking accounts can earn a $300 sign-up bonus with qualifying activities.
This account does have a monthly service fee – but you can avoid paying that if you know how to play by the rules.
To get the monthly fee waived, either receive direct deposits totaling $500 per monthly statement period, maintain a balance of $1,500 or more at the beginning of each day or an average beginning day balance of $5,000 in any combination of this account as well as linked Chase checking, savings, or other balances.
How To Qualify:
To earn the bonus, you’ll need to open a Chase Total Checking account through the link below.
Within 90 days, connect your direct deposit of at least $500.
Bonus will pay out within 15 days.
Sounds pretty awesome, right?
11. TD Bank Beyond Checking – $300 Bonus
You can earn a $300 sign-up bonus with the TD Beyond Checking account when you open a new account and make $2,500 in direct deposits in the 60 days from account opening.
With TD Bank, you get access to approximately 1,300 free ATMs in the U.S. and get reimbursed for fees from other ATMs if you maintain a minimum daily balance of $2,500.
There is a monthly maintenance fee of $25, but you can go fee-free if you set up a monthly direct deposit of $5,000 or more, or maintain a daily balance of at least $2,500, or have a $25,000 combined balance across eligible TD accounts.
With TD Bank, you’ll also earn interest on your checking account. It may be small (up to 0.05% APY) – but that still means your money is growing. It could add up, especially if the amount you deposit into your account is quite substantial.
How To Qualify:
To qualify, deposit $25 into your new account, then receive at least $2,500 worth of qualifying deposits within 60 days.
12. Wells Fargo Everyday Checking – $425 Bonus
Wells Fargo is rewarding new customers with a limited time $425 bonus for opening a new consumer checking account.
The account can be opened in a few easy steps online, which is a bonus if you prefer an online experience over visiting a bank branch.
The account does come with a $10 monthly service fee, which can be avoided if you meet any of the following requirements:
- Qualifying direct deposits totaling $500
- Have a $500 minimum daily balance
- Have a linked Wells Fargo Campus Debit Card or Campus ATM
- Must be 17 to 24 years old
How To Qualify:
To qualify for the Wells Fargo Bonus Offer, you will need to open an account with at least $25. You will also need to receive a total of $1,000 or more in qualifying direct deposits within 90 days of opening your account.
13. Citi Enhanced Direct Deposit – $325 Bonus
Earn $325 from Citi® when you open a new Enhanced Direct Deposits checking account with required activities.
First, open a new eligible Citi Checking account with Enhanced Direct Deposits.
Then, within 90 days, complete at least 2 Enhanced Deposits directly into your new checking account totaling $1,500 or more. (Deposit your way from recurring paychecks, retirement payments, pensions, and more)
Once the required activities have been completed, the bonus will be deposited within 30 days.
Pretty simple right?
14. PNC Virtual Wallet – up to $400 Bonus
Earn up to $400 from PNC Bank for opening a new Virtual Wallet® account and completing qualifying activities.
If you change your Virtual Wallet product type after account opening, the product type that you are in at the end of the month in which you opened your account will determine your offer eligibility, terms and corresponding reward amount, if applicable.
Offer is only available in the following states: AL, AZ, CA, CO, DC, DE, FL, GA, IL, IN, KY, MD, MI, NC, NJ, NY, NM, OH, PA, SC, TX, VA, WI, WV.
It’s important to note that the new account will not be eligible for offer if you or any signer on the new account has an existing PNC Bank consumer checking account or has closed an account within the past 90 days, or has been paid a PNC promotional premium in the past 24 months.
How To Qualify:
To qualify, open a Virtual Wallet® account online.
Within 60 days, complete the direct deposit requirements for the account package that you opened: Virtual Wallet® – $500+ to earn $100 bonus, Virtual Wallet® with Performance Spend – $2,000+ to earn $200 bonus, or Virtual Wallet® with Performance Select – $5,000+ to earn $400 bonus.
Bonus will be credited to your account within 60-90 days after meeting requirements.
15. U.S. Bank Smartly® Checking – up to $450 Bonus
You can earn up to $450 when you open a new U.S. Bank Smartly® Checking account and complete qualifying activities.
Offer valid through January 28, 2026. Member FDIC.
Just complete the following within 90 days of opening the account:
1. Enroll in online banking or the U.S. Bank Mobile App.
2. Make two or more direct deposits totaling amounts as follows:
– $2,000 – $4,999.99, earn $250;
– $5,000 – $7999.99, earn $350;
– $8,000+, earn $450
U.S. Bank frequently has signup bonuses, and this one is on par compared to previous ones.
How to Choose the Best Bank Promotion For You
Checking and savings account offers aside, the bank you choose should tick more than just the new account bonus box.
There are so many options to choose from that finding the one bank that is the absolute best option for your financial needs is becoming more difficult.
However, it’s not impossible! Make sure you do your research and look beyond the sign-up bonus. And be sure to make sure you can qualify for the bonus. Sometimes the direct deposit requirements are pretty high.
There’s so much more to get excited about when you’re thinking about switching banks — things like excellent interest rates, no monthly maintenance fees, or quick and free access to thousands of ATMs.
Think about what’s important to you:
- Being able to bank on the go with a top-rated app?
- Ability to speak to a representative face-to-face when you have questions?
- You’d like to only use one financial institution for all your financial needs – such as a checking account, a savings account, and perhaps even investments?
- Maybe you want a bank with ATMs everywhere you go?
Thinking about the features that are important to you will help make sure you pick the bank provider that’s right for you. That way, you’ll be making sure that the work you put in earns you not just the bonus – but also a solid banking experience in the long run.
Online Banks and Credit Unions
Your best option for a bank may not be a national bank. More and more online banks have personal checking accounts which could give an online bank the muscle you need in an everyday bank.
Online banks tend to have high-yield savings accounts and money market accounts that pay higher rates of return on your savings.
Finding an ATM will be harder with most online-only banks, but several banks reimburse ATM fees when you need to use another bank’s machine. Be sure to find out how many reimbursements you can get during each statement cycle.
Account holders at many online banks like to have accounts at a local national bank or credit union, too. This way you could connect your local and online banks, making transfers more seamless.
For example, you could make a cash deposit through your local bank or credit union and then transfer the money into your online savings account.
Of course, make sure any bank — local or online — has FDIC protections in place.
Didn’t See a Bonus Offer For You? These Banks Run Frequent Bonuses
Not all of these banks run bank offers all the time, so they may not appear on my list above right now.
But if you’d like to shop for bonuses before opening a deposit account, you may be able to find bonuses with these banks:
- CIT Bank Promotions – I especially like the CD laddering you can get any time at this online bank.
- Citibank Promotions – Not connected to CIT Bank; a huge financial institution with branches and ATMs everywhere. Look for the Citi Priority Account Package account promotion.
- Chase Bank Promotions – A full-service bank with branches and ATMs all over.
- US Bank Promotions – US Bank is the 5th largest bank in the US.
- Bank of America Promotions – BOA offers numerous promotions and extra perks for account holders.
- TD Bank Promotions – Checking and savings accounts often come with a nice sign-up bonus.
- PNC Bank – Virtual Wallet helped pioneer online banking way back when. Look for bonuses when you open a Performance Spend or Performance Select checking account.
- Huntington Bank – the Huntington 5 checking offers come up once in a while. Anyone can open an account, but the bank’s footprint covers states like Illinois, Michigan, Ohio, and Pennsylvania, West Virginia and Indiana.
- Truist – Another bank with a regional footprint (in Florida, Texas, and other Sun Belt states). The Essential Checking Account runs bonus offers from time to time. SunTrust and BB&T have merged to become Truist.
- Discover Bank – Another staple of the credit card industry with a solid online bank.
- Fifth Third Bank – great for business checking accounts.
- Chime – a simple option for millennials.
- Ally – full-service but online.
- Citizens Bank – An East Coast option that also excels with private student loans.
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