Best cards → Bank bonuses
Current checking and savings bonuses
32 offers tracked · last checked Oct 20, 2026 · page generated October 20, 2026
Nobody pays us for these. No paid links today. If that changes, the row will say so. Terms change often. Check the bank's page before you open an account. How we're paid · Editorial policy
A bank pays you to open an account and move money into it. Each row says what to deposit, by when, and what the account costs. We list an offer as current only when the bank's own page confirms the amount and the requirement, and the offer has not ended.
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Current offers
Verified on the bank's page. Sorted by bonus size. Nothing else affects the order.
Citizens Quest Checkingcombinedends soonended
No state limit on the bank page
Each month: $1,000 or more in direct deposits plus qualifying fuel purchases on the debit card. Open checking and savings the same day.
Ends Nov 15, 2026. Quest is $25 a month, waived with $5,000 in deposits or $25,000 in balances. One Deposit is $0 or $9.99. Keep it open: The accounts must stay open through each payment date. Paid monthly. The offer opened October 1, 2026.
Checked Oct 20, 2026 · source: citizensbank.com
Up to $1,200
See the offer at Citizens
$600: One Deposit, EverValue or Student Checking: $50 a month for up to 12 months.
$1,200: Quest or Private Client Checking: $100 a month for up to 12 months.
Chase Premier Plus Checkingcheckingends soonended
No state limit on the bank page
Deposit $15,000 in new money within 30 days and keep it there for 90 days.
Ends Jan 27, 2027. Monthly fee $25. $0 with a $15,000 average balance or linked qualifying accounts. Keep it open: The account must be open when the bonus pays.
Checked Oct 20, 2026 · source: account.chase.com
BMO Smart Advantage, Smart Money or Relationship Checkingcheckingends soonended
14 states: AZ, CA, CO, FL, IA, IL, IN, MN, NM, NV, OR, UT, WA, WI
$1,000 or more in qualifying direct deposits each month. BMO pays $100 a month for up to 6 months.
Ends Dec 15, 2026. Smart Advantage has no monthly fee. Smart Money is $5 a month, $0 under age 25. Relationship is $25 a month. Keep it open: The account must be open with a balance above $0 when each payment posts. Zero-balance accounts may close. Open between September 9 and December 15, 2026.
Checked Oct 20, 2026 · source: bmo.com
$600
See the offer at BMO
Huntington Perks and Platinum Perks Checkingcheckingends soonended
21 states: AL, AR, CO, FL, GA, IL, IN, KY, LA, MI, MN, MS, MO, NC, OH, PA, SC, TN, TX, WV, WI
Perks: $500 in direct deposits within 90 days. Platinum Perks: $25,000 in new money within 90 days.
Ends Jan 15, 2027. Perks is $10 a month, waived with $1,000 in monthly deposits or $5,000 in relationship balances. Platinum Perks is $25 a month, waived at $25,000. Keep it open: Keep the account open for 90 days.
Checked Oct 20, 2026 · source: huntington.com
Up to $600
See the offer at Huntington
$400: Perks Checking: $500 in direct deposits within 90 days.
$600: Platinum Perks Checking: $25,000 in new money within 90 days.
KeyBank Key Smart or Key Select Checkingcheckingends soonended
Geographic limits apply. The bank page lists them.
Smart: $2,000 in eligible direct deposits within 90 days. Select: $5,000 within 90 days.
Ends Dec 11, 2026. Key Smart has no monthly fee. Key Select is $25 a month, waived for the first 3 months, then with $3,000 in direct deposits per cycle or $15,000 in balances. Keep it open: The account must be open when the bonus pays.
Checked Oct 20, 2026 · source: key.com
Up to $500
See the offer at KeyBank
$300: Key Smart Checking: $10 to open and $2,000 in eligible direct deposits within 90 days. Code KDMA0526.
$500: Key Select Checking: $50 to open and $5,000 in eligible direct deposits within 90 days. Code KDMB0526.
Truist One or Marquee Checkingcheckingends soonended
17 states and DC. The bank page lists them.
Two or more direct deposits totaling $2,000 and 20 debit card purchases within 120 days.
Ends Feb 2, 2027. Truist One is $12 a month, waived with $500 in direct deposits, a $500 balance, or by age. Marquee is $35 a month. Keep it open: The bonus is forfeited if the account is closed or restricted when it pays.
Checked Oct 20, 2026 · source: truist.com
U.S. Bank Smartly Checkingcheckingends soonended
U.S. Bank footprint. The page says the offer may not be available outside it.
Two or more direct deposits totaling $8,000 or more within 90 days. Fund $25 within 60 days and enroll in online banking.
Ends Nov 10, 2026. Monthly fee $12. Waived for the first 2 statements, then $0 with a $1,500 average balance or $1,500 in combined monthly direct deposits. Early close: no term found on the bank page. An account left unfunded is closed.
Checked Oct 20, 2026 · source: usbank.com
Up to $450
See the offer at U.S. Bank
$250: $2,000 to $4,999.99 in direct deposits.
$350: $5,000 to $7,999.99 in direct deposits.
$450: $8,000 or more in direct deposits.
Chase Total Checkingcheckingends soonended
No state limit on the bank page
Direct deposits totaling $1,000 or more within 90 days of enrollment.
Ends Jan 27, 2027. Monthly fee $15. $0 with $500 in monthly electronic deposits, a $1,500 daily balance, a $5,000 average balance, or a linked account. No fee for the first 2 statements. Keep it open: The account must be open when the bonus pays. Paid within 15 days of meeting the requirement.
Checked Oct 20, 2026 · source: account.chase.com
PNC Virtual Walletcheckingends soonended
Terms may vary by market.
Qualifying direct deposits to Spend within 60 days: $5,000 on Performance Select, $500 on Virtual Wallet.
Ends Jan 7, 2027. Virtual Wallet is $7 a month and Performance Select is $25 a month. Both can be waived. Keep it open: The account must remain open. Paid 60 to 90 days after qualifying. Not available with an existing PNC checking account or one closed in the past 12 months.
Checked Oct 20, 2026 · source: pnc.com
Up to $400
See the offer at PNC
$100: Virtual Wallet: $500 in qualifying direct deposits within 60 days.
$400: Virtual Wallet with Performance Select: $5,000 within 60 days.
SoFi Checking and Savingscombinedends soonended
No state limit on the bank page
$5,000 or more in eligible direct deposits within 25 days after the first one.
Ends Dec 31, 2026. No monthly fee. Keep it open: The account must be open and in good standing when the bonus pays. The first direct deposit must arrive by December 31, 2026.
Checked Oct 20, 2026 · source: sofi.com
Up to $400
See the offer at SoFi
$50: $1,000 to $4,999.99 in eligible direct deposits.
$400: $5,000 or more in eligible direct deposits.
Wells Fargo Everyday Checkingcheckingends soonended
No state limit on the bank page
$1,000 or more in qualifying electronic deposits within 90 days.
Ends Jan 13, 2027. Monthly fee $15. $0 with $500 in electronic deposits, a $1,500 daily balance, a $5,000 relationship balance, or age 17 to 24. Keep it open: The account must be open when the bonus pays. Wells Fargo may reverse it for suspected abuse. Not available if you received a Wells Fargo checking bonus in the past 12 months. Online offer.
Checked Oct 20, 2026 · source: accountoffers.wellsfargo.com
American Express Rewards Checkingcheckingends soonended
No state limit on the bank page
$7,500 or more in qualifying direct deposits within 90 days.
Ends Feb 1, 2027. No monthly fee. Keep it open: Keep the account open and in good standing until the bonus pays. APY 1.00% as of Oct 19, 2026. Open the account by February 1, 2027. Paid 8 to 12 weeks after qualifying.
Checked Oct 20, 2026 · source: americanexpress.com
TD Bank Beyond Checkingcheckingends soonended
No state limit on the bank page
$2,500 in qualifying direct deposits within 60 days.
Ends Nov 30, 2026. Monthly fee $25. $0 with $5,000 in direct deposits, a $2,500 daily balance, or $25,000 in combined balances. Clawback: TD may deduct the bonus if you close the account within 6 months of opening.
Checked Oct 20, 2026 · source: td.com
Capital One 360 Checkingcheckingends soonended
No state limit on the bank page
Two direct deposits of $500 or more each within 75 days. Use code CHECKING250.
No end date on the bank page. No monthly fee. Keep it open: The account must be open and in good standing when the bonus pays. Paid within 135 days. Not available if you had 360, Simply or Total Control Checking on or after January 1, 2024.
Checked Oct 20, 2026 · source: capitalone.com
Chase Chase Savingssavingsends soonended
No state limit on the bank page
Deposit $10,000 or more in new money within 30 days and keep it there for 90 days.
Ends Jan 27, 2027. Monthly fee $5. $0 with a $300 daily balance or other options on the bank page. Keep it open: The account must be open when the bonus pays.
Checked Oct 20, 2026 · source: account.chase.com
Up to $200
See the offer at Chase
$100: $5,000 to $9,999 in new money.
$200: $10,000 or more in new money.
TD Bank Complete Checkingcheckingends soonended
No state limit on the bank page
$500 in qualifying direct deposits within 60 days. Each deposit must be $250 or more from payroll, a pension or government benefits.
Ends Nov 30, 2026. Monthly fee $15. $0 with $500 in direct deposits, a $500 daily balance, $5,000 in combined balances, or age 17 to 23. Clawback: TD may deduct the bonus if you close the account within 6 months of opening. Paid by day 180.
Checked Oct 20, 2026 · source: td.com
TD Bank Signature Savingssavingsends soonended
No state limit on the bank page
Deposit $10,000 in new money within 20 days and keep it there for 90 more days.
Ends Nov 30, 2026. Clawback: TD may deduct the bonus if you close the account within 6 months of opening. TD adds $200 more when you open it together with a new TD checking account.
Checked Oct 20, 2026 · source: td.com
Reported, not verified
Another site reports these, but the bank's page did not confirm them when we checked. The amount, the requirement or the end date may be wrong. The row names the source we used.
Chase Private Clientcheckingends soonended
No state limit on the bank page
New money of $150,000, $250,000 or $500,000 within 45 days, held for 90 days.
Ends Jan 27, 2027. Reported, not verified. Check the bank page before you open. Monthly fee $35. Can be waived. Early close: no term found on the bank page. We did not fetch the Chase page for this offer.
Checked Oct 20, 2026 · source: nerdwallet.com
Up to $3,000
$1,000: $150,000 in new money.
$2,000: $250,000 in new money.
$3,000: $500,000 in new money.
E*TRADE Premium Savingssavingsends soonended
No state limit on the bank page
Deposit $20,000 or $100,000 within 30 days and keep it there for 45 more days. Code SAVE800.
Ends Jan 10, 2027. Reported, not verified. Check the bank page before you open. No monthly fee. Early close: no term found on the bank page. We did not fetch the E*TRADE page for this offer.
Checked Oct 20, 2026 · source: nerdwallet.com
Up to $800
$400: $20,000 in new money.
$800: $100,000 in new money.
Bank of America Advantage Plus or Relationship Bankingcheckingends soonended
No state limit on the bank page
$10,000 or more in qualifying direct deposits within 90 days for $500. Smaller totals earn $100 or $300.
Ends Jan 31, 2027. Reported, not verified. Check the bank page before you open. Advantage Plus is $12 a month and can be waived. Relationship Banking is $25 a month. Keep it open: The account must be open and in good standing through payout. The bank page confirms the tiers but shows an expiry of September 30, 2026. Frequent Miler and NerdWallet say January 31, 2027. Paid within 60 days.
Checked Oct 20, 2026 · source: frequentmiler.com
Up to $500
See the offer at Bank of America
$100: $2,000 in qualifying direct deposits.
$300: $5,000 in qualifying direct deposits.
$500: $10,000 or more in qualifying direct deposits.
BMO Checking, $400 offercheckingends soonended
No state limit on the bank page
Direct deposits of $4,000 to $7,500.
No end date on the bank page. Reported, not verified. Check the bank page before you open. Early close: no term found on the bank page. From an old Doctor of Credit copy. BMO's offers page returned an error when we checked, and the end date is unknown.
Checked Oct 20, 2026 · source: doctorofcredit.com
$400
Chime Checkingcheckingends soonended
No state limit on the bank page
A qualifying direct deposit of $200 or more.
No end date on the bank page. Reported, not verified. Check the bank page before you open. No monthly fee. Early close: no term found on the bank page. NerdWallet says up to $350. Other sites list $425 through partner links. Chime's own site shows only targeted offers.
Checked Oct 20, 2026 · source: nerdwallet.com
$350
Citi Regular Checkingcheckingends soonended
No state limit on the bank page
Two enhanced direct deposits totaling $3,000 within 90 days.
Ends Oct 26, 2026. Reported, not verified. Check the bank page before you open. Monthly fee $15. Waived with $250 or more in qualifying deposits. Keep it open: Keep the account open for 120 days. Citi's page title says $325, but its terms did not load for us.
Checked Oct 20, 2026 · source: nerdwallet.com
Fifth Third Momentum Checkingcheckingends soonended
No state limit on the bank page
$500 in direct deposits within 90 days.
Ends Jan 4, 2027. Reported, not verified. Check the bank page before you open. No monthly fee. Early close: no term found on the bank page. The bank page shows both $300 and $350 and a stale June 30, 2026 deadline. NerdWallet says January 4, 2027.
Checked Oct 20, 2026 · source: nerdwallet.com
No current offer (8)
Banks we checked that have no cash bonus right now, and offers that have ended. Some pay a temporary APY boost instead. The row says so.
Ally Online Savingssavingsends soonended
No state limit on the bank page
No current bonus.
No monthly fee. APY 3.10% as of Oct 19, 2026. No current bonus.
Checked Oct 20, 2026 · source: ally.com
No current bonus
See the offer at Ally
American Express High Yield Savingssavingsends soonended
No state limit on the bank page
No current bonus.
No monthly fee. No current bonus. The APY did not load on the bank page, so we do not print one.
Checked Oct 20, 2026
No current bonus
Axos Axos ONEcombinedends soonended
No state limit on the bank page
No current bonus.
No monthly fee. No cash bonus. New Axos ONE customers get a 0.79% APY boost for 6 statement cycles, to 5.00% on the first $49,999.99. It needs $1,500 in monthly direct deposits and a $1,500 average checking balance, or $5,000 in deposits and a $5,000 balance. Open by October 31, 2026.
Checked Oct 20, 2026 · source: axosbank.com
No current bonus
See the offer at Axos
Betterment Cash Reservesavingsends soonended
No state limit on the bank page
No current bonus.
APY 3.50% as of Sep 21, 2026. No cash bonus. New clients get 0.75% more on up to $1 million through February 15, 2027.
Checked Oct 20, 2026 · source: betterment.com
No current bonus
See the offer at Betterment
Capital One 360 Performance Savingssavingsends soonended
No state limit on the bank page
No current bonus.
No monthly fee. No current bonus. The APY did not load on the bank page, so we do not print one.
Checked Oct 20, 2026 · source: capitalone.com
No current bonus
See the offer at Capital One
Discover Bank Online Savingssavingsends soonended
No state limit on the bank page
No current bonus.
No current offer. Discover's savings page now redirects to Capital One 360 Performance Savings.
Checked Oct 20, 2026 · source: discover.com
No current bonus
See the offer at Discover Bank
Marcus Online Savingssavingsends soonended
No state limit on the bank page
No current bonus.
No monthly fee. APY 3.50% as of Oct 19, 2026. No cash bonus. A referral adds 1.00% APY for 3 months for both people.
Checked Oct 20, 2026 · source: marcus.com
No current bonus
See the offer at Marcus
Wealthfront Cash Accountsavingsends soonended
No state limit on the bank page
No current bonus.
No monthly fee. APY 3.55% as of Oct 1, 2026. No cash bonus. New clients get 0.65% more for 3 months on up to $150,000, for 4.20%.
Checked Oct 20, 2026 · source: wealthfront.com
No current bonus
See the offer at Wealthfront
Taxes
Bank bonuses are taxable interest. The bank reports them to the IRS on a 1099-INT. Card signup bonuses are different: they are usually treated as rebates, not income. Source: IRS Topic 403.
How to read this
Early close comes in three kinds. A clawback means the bank can take the bonus back if you close inside its window. An early closure fee is a flat charge for closing inside the window. Keep it open means the account must still be open, and usually in good standing, when the bonus pays.
Ends soon means the offer ends within 14 days. Direct deposit rules are the bank's published terms. What a bank's system actually counts as a direct deposit is not something we can verify.
We earn nothing from this page. Bank links go through usethesecards.com/go/ and today redirect straight to the bank. We earn nothing and count nothing. If that ever changes, how we're paid will say so first, and the row will carry a label. Wrong number here? .