Below we’ve listed the best checking & saving account bonuses in order from best to worst for October, 2026. We’ve also included a little bit of information on each bonus, make sure you click through and read our detailed posts on each offer before signing up – that way you won’t be caught unawares of hidden fees.
Note: This page is updated monthly and keeps the same URL, so feel free to bookmark it or link to it knowing that it’ll be kept up to date. Because of this the comment section might contain discussion about deals that are no longer current, please keep that in mind. You can view the most recent changes by clicking here.
Best Checking Account Bonuses
Chase $300-$400 ($900 With Savings)
Can also be combined with a $200 savings bonus and if you do both you get an additional $400. There is also a straight $400 checking bonus that is better if you can’t do the savings bonus.
- Read our full post
- Soft pull
- No credit card funding
- Direct deposit required, no minimum
Chime $425 Portal Bonus
Various portals like Swagbucks, MyPoints, and Inbox Dollars offer a bonus of $390-$426 bonuses when you open a Chime account after clicking through their portal and then receiving $200+ direct deposit.
- Read our full post
- Soft pull
- No credit card funding
- $200 direct deposit required
Wells Fargo $500 Checking Bonus
Can be opened online. Requires $1,000 direct deposit.
U.S. Bank $450
Anti churn language is now 12 months instead of 24 months. Sometimes available via a portal as well.
- Read our full post
- Soft pull
- Can fund up to $250 with a credit card
- Direct deposit of $2,000-$8,000 required
Bank of America $100-$500 Bonus
Bonus you receive depends on direct deposits received, for maximum bonus it requires $10,000 in total direct deposits.
- Read our full post
- Soft pull
- Can fund up to $250 with a debit card
- Direct deposit of $2,000-$10,000+ required
SoFi Checking & Savings $675 Signup Bonus
$300 is from SoFi and the other $375 is from Rakuten. The Rakuten/Swagbucks/Topcashback rates move around a lot, but can often get $200-$375, that’s on top of the $300 from SoFi.
- Read our full post
- Soft pull
- No credit card funding
- Direct deposit of $3,000+ required
Percapita (Fintech) $300 Checking Bonus ($25 Per Month), Direct Deposit Not Required
We didn’t originally post this because it was capped at 3,200 people, that cap has been reset and is now 7,000. I assume they will update the landing page if that cap is hit. Requires spending $300+ per month.
Navy Federal Credit Union $400
This is a new member bonus, but it requires a checking account. Membership is also restricted to military/family. Usually bonus is only $200 or $250.
- Read our full post
- Mixed reports of hard/soft pull
- monthly non-payroll ACH or payroll allotment totaling at least $500 and recurring for at least 3 out of 4 consecutive months
- Can fund up to $250 with a credit card
Four Leaf Federal Credit Union $550
Formerly known as bethpage. They are very Chexsystems sensitive, but seems like they mostly care about how many inquiries in the last 1/2 months (need either 0 or 1 inquiries).
PSECU $300 Checking Bonus
This is technically PA only, but anybody can join Pennsylvania Recreation and Park Society (PRPS) for $20 and you get $10 of that back.
- Read our full post
- Soft pull
- Can fund up to $100 with a Visa or Mastercard
- Direct deposit of $250+ required
PNC $200/$400 Checking Bonus
The offer available depends on where you live.
- Read our full post
- Soft pull
- Can fund with a credit card but codes as a cash advance
- Direct deposit of $2,000 – $5,000 required
Citi $325/$475
Nice part of this bonus is that it doesn’t require a huge deposit like the other Citi checking bonus. There is also a $475 deal but that might be limited to NY, CT, MD, VA, DC, CA, NV, NJ, and select markets in FL and IL
Farmers Insurance Federal Credit Union (FIGFCU) $250
No monthly fee
- Read our full post
- Soft pull
- Credit card funding of $1,000+
- Direct deposit of $5,000+ per month for three consecutive months required
United Debit Card 10,000 Miles
Relatively easy bonus with debit card account signup and $500 spend on the debit card.
- Read our full post
- Soft pull
- No credit card funding
- No direct deposit required
Affinity Federal Credit Union $100 Referral Bonus
Affinity have offered a $150 bonus in this past, this is better if you’re referred by a friend or family member and they are happy to give some of their bonus.
- Read our full post
- Soft pull
- Can fund up to $1,000 with a credit card
- Direct deposit of $100+ required
Charles Schwab Up To $500 Bonus
This is now a soft pull making it much more interesting. People like this account because the account is quite useful (e.g ATM fees reimbursed, no fees for foreign transaction withdrawals) and you can also get this account and a brokerage account at the same time for one hard pull. The brokerage account then gives you access to the Charles Schwab credit cards. Obviously not for everybody, but a pretty good combination.
- Read our post
- Soft pull to open
- No requirements for bonus
- Unknown credit card funding
Best Saving Account Bonuses
e*Trade $400-$800 Savings Bonus
Account also earnings 4% APY.
- Read our full post
- Unknown if hard/soft pull
- Unknown if credit card funding is possible
- Requires a $20,000 deposit for 60+ days
Capital One Up To $1,500 Bonus
The higher $1,500 tier does require $100,000 deposit. The account earns a decent interest rate and so this is well worth considering if you have the cash. Look back period recently improved.
- Read our full post
- Soft pull as long as you opt out of overdraft protection
- No credit card funding
- Direct deposit not required
Citi Up To $2,000 Bonus – No Direct Deposit Required
This is really more of a savings bonus as it requires a large deposit. Works out to be 8.6% APY for the best bonus.
- Read our full post
- Soft pull
- No credit card funding
- Direct deposit not required
Bask Bank $300
Account also earns 4.3% when meeting qualifications so that helps make this more attractive.
- Read our full post
- Soft pull
- Requires a $10,000 deposit for six months and $2,500 monthly deposits
Live Oak $300 Bonus (New/Existing)
$300 bonus for new or existing users who deposit $20,000 and maintain for 90 days. Also has 4.00% APY currently.
- Read our full post
- Soft pull
- No credit card funding
- No direct deposit required
Ameriprise Financial $400 Checking & Up To $1,000 Savings Bonus
This works out to be 8% APY+ annualized when you include the bonus and base interest rate. You do need to be an existing Ameriprise customer to be eligible.
- Read our full post
- Soft pull
- Requires a deposit of $35,000
MooMoo $1,000 Cash Account Bonus
MooMoo brokerage has a $1,000 bonus for making $100,000 deposit into their Cash Account and holding for 180 days. (There are also lower deposit tiers which also have lower hold times.) The $1,000 comes as NVDA stock which you can immediately sell. The account also comes with some other bonuses.
- Read our full post
- Soft pull
- No credit card funding
- No direct deposit required
HSBC Up To $1,500-$7,000 Checking Bonus
Can put it in an account that earns 3.3% APY or use investments. Referral option best for most people but there is another option that has higher tiers of up to $7,000. Bonus is better now as there is a $1,000 brokerage bonus that can be done at same time.
- Read our full post
- Soft pull
- Requires a $100,000 deposit for a $1,500 bonus or $250,000+ for $2,500
Ameriprise Financial $900
This works out to be 7.43% APY annualized when you include the bonus and base interest rate. You do need to be an existing Ameriprise customer to be eligible.
- Read our full post
- Soft pull
- Requires a deposit of $35,000
Raisin/Savebetter + Topcashback: Up To $2,250 Savings
Topcashback seems to vary, but $150 is the highest you can expect.
Citizens Bank $1,800 Savings Bonuses – CT, DE, MA, MI, NH, NJ, NY, OH, PA, RI, VT
Can also be combined with a $1,200 checking bonus.
- Read our full post
- Soft pull
- Can fund up to $1,000 with a credit card
- Requires $40,000 for $1,800 and $15,000 for $600 bonus (bonus is over 12 months)
Bank of Hawaii $75 – $300 – HI
Works out to be 9%+ APY.
Best Business Bank Bonuses
There are a lot less business bank bonuses than personal bonuses, you can view all of them here.
Chase $500-$750 Business Checking Bonus
Can be done by anyone online. Pretty easy offer to complete with a $10,000 deposit and 5 transactions. There is also a $750 offer that requires a $20,000 deposit (not currently available). You can also make these deals better by stacking them with the following:
- [YMMV] Chase Business Checking: $50 Bonus For Making 15 Zelle Transactions Of $5+ Each
- [YMMV] Chase Business Checking: Pay 5 Bills Online & Earn $250
- Read our full post $500 | $750 full post
- Soft pull
- $500 credit card funding, but it codes as cash advance
- Deposit of $10,000+ and 25 transactions required
Bank of America $400-$2,500
Now comes with tiers of up to $2,500. Requires a deposit of $5,000-$250,000 and maintain it from day 31 through 90.
Capital One $500 Business
Requires a $5,000 balance for the $500 bonus. There has been a $1,000 tier in the past.
- Read our full post
- Soft pull
- No credit card funding
- No direct deposit required
Wells Fargo $400/$825
Requires a balance of $2,500/$25,000 but thankfully only for 30 days.
Citibank Up To $2,000 Business Checking Bonus – In Branch Only
No direct link, being offered in branch
Only available in branch and not all branches have this offer. This is more of a savings bonus as the $2,000 bonus requires a deposit of $200,000+ for example.
- Read our full post
- Soft pull
- No credit card funding
- Direct deposit not required
American Express Business Checking 35,000 Points
Requires $5,000 in deposits for 60 days and also 10 transactions. Fairly simple bonus to do a nice bonus (though it was once higher at 60k).
U.S. Bank $400/$1,500 Business Checking Bonus
Previously terms excluded you if you had an account in the last 24 months, now it’s in the last 12 months. $400 bonus is very attractive. Larger bonus has been increased to $1,200.
BlueVine Business Checking $500
Bit annoying that the easiest way to get the bonus is by spending $2,000+ every month for three months. Better than the $300 bonus offered below.
- Read our full post
- Soft pull
- No credit card funding
Simmons Bank – $900 Checking Bonus – AR, TX, TN, OK, MO & KS
Three different tiers and top tier requires a $15,000 balance for three months.
- Read our full post
- Unknown if hard/soft pull
- Unknown if credit card funding is possible
- Requires $1,000 direct deposit per cycle for at least three cycles for full bonus
FNBO Bank – $250 CO, KS, NE, IA, SD, IL, KS, TX
Can deposit $1,000 in deposits OR complete 10 debit card transactions
Grasshopper $200 Business Referral Bonus
Has been as high as $300 in the past, but the requirements are easier to meet now.
Found $125-$250 Business Checking Bonus
Requires a $5,000 deposit and must maintain that for 30 days. There is now a $250 bonus that only requires a $2,500 deposit.
Citizens Bank $1,500 – CT, DE, MA, MI, NH, NJ, NY, OH, PA, RI, VT, VA, D.C., MD, FL
Online link has targeted language, but the bonus is available in branch so can always just apply in branch.
ACNB – $1,000-$2,000 Bonus – PA & MD only
Requires a $10,000/$25,000 balance for three consecutive months.
BOK Financial $500-$1,500 – CO
There are three tiers, each requires the deposit be maintained for 60 days: $500 requires $5,000, $1,000 requires $25,000 and $1,500 requires $100,000. $1,000 and $1,500 deals are comparable so better to do the $1,000 deal so you don’t need to tie up as much in funds.
Bank of Colorado – $750 – CO, NM, AZ, In Branch
Requires $5,000 in deposits and 15 debit card purchases.
Keybank $1,000 AK, CO, CT, ID, IN, MA, ME, MI, NY, OH, OR, PA, UT, VT, or WA, In Branch
First time we have seen a business bonus from Keybank, has been increased from $500 to $1,000.
- Read our full post
- Soft pull
- Can fund up to $50 with a credit card online, not sure if possible in branch
Hancock Whitney $500 Checking Bonus – LA, MS, FL, AL, TX
Requires a $5,000 deposit and $5,000 balance for 30 days.
Provident Credit Union – $475 – CA, In Branch
Unfortunately has to be opened in branch.
Axos Bank $100/$200 Business Checking
Just need an average balance of $2,500+ for the first two months. Bonus is $200 if business must be incorporated after 6/01/2020
- Read our full post
- Soft pull
- No credit card funding
- No direct deposit required
KeyPoint Credit Union $500 Checking – CA Only
Requires an average balance of $2,000 and 20 debit card purchases.
- Read our full post
- Soft pull
- Can fund up to $3,000 with a credit card
- Direct deposit of $1,000 required
Truist $400/$800 AL, AR, GA, FL, IN, KY, MD, MS, NC, NJ, OH, PA, SC, TN, TX, VA, WV or DC
Previously this was for $400, there is now a $800 tier as well. Unfortunately you need to hold the funds from day 30-90 now, before it was just a deposit.
M&T Bank $300-$1,500 Business Checking Bonus – MA, CT, DE, D.C., MD, NJ, NY, PA, VA, WV
$1,500 bonus requires $100,000 in deposits unfortunately.
- Read our full post
- Soft pull
- No credit card funding
- No direct deposit required
Huntington Bank $200/$500/$1,000 – AL, AR, FL, GA, LA, MS, MO, OK, TN, OH, MI, IN, PA, KY, WV, IL, CO, MN, SC, WI, NC, TX
The $400 bonus has been increased to $500. $750 bonus has been increased to $1,000.
- Read our full post
- Soft pull
- No credit card funding
- No direct deposit required
PNC $200/$500 Business Checking AL, DC, DE, FL, GA, IL, IN, KY, MD, MI, MO, NC, NJ, NY, OH, PA, SC, VA, WI and WV
Not nationwide like the personal bonus unfortunately. They have offered a $300 bonus in the past, but that hasn’t been available for some time. It’s also now easier to keep the account fee free and because of that we’ve added it back to this list. In some states this is now $500.
- Read our full post
- Soft pull
- Unknown if credit card funding is possible
- Direct deposit not required
Associated Bank $750 – IA, IL, IN, KS, MI, MN, MO, OH and WI
Requires $20,000 for the full bonus, but smaller bonuses available as well.
S&T Bank $900 – PA & OH
$300 of the bonus is very easy, the rest needs a $25,000 deposit.
- Read our full post
- Soft pull
- Can fund up to $100 with a credit card
- No direct deposit is required
Rogue Credit Union – $500 -OR, ID, Northern CA Direct Deposit Not Required
Only available in select Oregon, Idaho and Northern California counties (Butte, Del Norte, Glenn, Humboldt, Lassen, Modoc, Plumas, Shasta, Siskiyou, Tehama, Trinity.) Northern Cali counties aren’t listed during sign up though.
- Read our full post
- Soft pull
- Can fund up to $5,000 with a credit card
- No direct deposit required but must deposit $1,000+
Broadway Bank $300-$1,000 – TX
Requires a $25,000 deposit for the $400 bonus and $2,000 for the $300 bonus.
First Merchants Bank $300/$750 – MI
There is also a personal $400/$600 bonus. This business bonus requires $5,000/$15,000 in deposits.
- Read our full post
- Soft pull
- Can fund up to $2,500 with a credit card
- Direct deposit of $500+ required for three months
North Shore Bank $500 Checking Bonus WI + IL – In Branch
Either requires a direct deposit or 10 debit card purchases per month.
- Read our full post
- Soft pull
- No credit card funding
- Direct deposit not required
South State Bank $600 checking Bonus – GA, NC, SC, VA, FL, AL, TX, CO, TN
Bonus is up to $1,000 but $400 requires merchant services.
Fulton Bank $500 – DE, DC, MD, NJ, PA, & VA
Requires a $5,000 deposit for 60 days.
- Read our full post
- Soft pull
- Can fund up to $500 with a credit card
- Direct deposit not required
Hudson Valley Federal Credit Union $750 – $1,500 Business Checking Bonus – NY, In Branch
Requirements are quite easy to meet for both bonuses.
- Read our full post
- Soft pull
- Can fund up to $10,000 with a credit card, probably won’t work in branch
- Direct deposit not required
WaterStone Bank $300/$500 – WI, In Branch Only
Bonus was originally $250 but now $300 and $500 are available
- Read our full post
- Soft pull
- Unknown if credit card funding is possible
- Direct deposit not required
Bell Bank $500 Bonus – MN, Select Counties
Offer valid only to businesses in Crow Wing County, Cass County, Morrison County, or Atkin County, Minn
Guaranty Bank – MO – $500
Requires 30 transactions and have a total of at least $2,500 during the 60-day qualifying period.
Santander $550 Business Checking Bonus – NH, FL, MA, RI, CT, DE, NY, NJ, or PA, In branch
Now requires a $10,000 balance for 90 days (used to be $5,000 but bonus was $500 instead of $550)
- Read our full post
- Soft pull
- Can fund up to $500 with a credit card
- One or more direct deposits totaling $500 required
Bar Harbor Bank & Trust $400 Checking Bonus – ME, VT & NH
They offer a free checking account.
- Read our full post
- Soft pull
- Unknown if credit card funding is possible
- Direct deposit of $250+ required
Hancock Whitney $300/$1,000 Checking Bonus – LA, MS, FL, AL, TX
This is a $300 checking bonus but can get up to $1,000 when doing the savings portion at the same time.
Farm Bureau Bank $250 – NV
There is also a $150 personal checking bonus but not clear if both of these bonuses can be done.
- Read our full post
- Soft pull
- No credit card funding
- Direct deposit not required
Mutual Security Credit Union – $250 Checking CT only
Requires 20 debit card transactions.
Fulton Bank – $225 Business Checking DE, DC, MD, NJ, PA, & VA
Has been as high as $300 in the past.
- Read our full post
- Soft pull
- No direct deposit required
- Can fund up to $500 with a credit card
1st United Credit Union – $200 Business Checking Bonus – CA only
Normally in branch only but can also be opened online.
- Read our full post
- Soft pull
- Can fund up to $2,000 with a credit card
- Direct deposit not required
MidFirst – OK, TX, AZ – $300
Requires a $7,500 average balance.
SECU $350 – DC, DE, PA, VA, WV, MD
This is the first business bonus we’ve seen from SECU.
- Read our full post
- Soft pull
- No credit card funding
- Requires a balance of $5,000 for two statement cycles
Best State Specific Bonuses
In the past we haven’t listed state specific bonuses on this page, I thought it was worth listing ones that are definitely worth doing, so here they are.
Abington Bank $300 Checking Bonus, Direct Deposit Not Required MA, CT, RI, NH
We don’t know much about this bank, but this bonus seems easy to trigger and is much higher than normal.
- Read our full post
- Unknown if soft pull
- Up to $1,000
- Direct deposit is optional
Stanford Federal Credit Union $620 – CA
Highest this has ever been and no longer requires opening in branch.
- Read our full post
- Soft pull
- Unknown if credit card funding is possible
- Direct deposit of $500+ required
4Front Credit Union $400 – MI – Direct Deposit Not Required
No monthly fees to worry about either
- Read our full post
- Soft pull
- Can fund up to $5,000 with a credit card
- No direct deposit required
BMO Bank $600 Checking Bonus – AZ, CA, CO, FL, IA, IL, IN, MN, NM, NV, OR, UT, WA, WI
Unfortunately no longer available nationwide.
- Read our full post
- Soft pull
- No credit card funding
- Direct deposit of $1,000+ per month for six months required
TruNorth Bank $300 – Direct Deposit Not Required – MA, CT, RI, NH
TruNoth Bank is the new name of Abington Bank & North Shore Bank. So most likely a soft pull to open.
Waterstone Bank $250 Checking – WI only
No monthly fee. There is also a $100 money market bonus.
- Read our full post
- Soft pull
- Unknown if credit card funding is possible
- Direct deposit of $300+ required
Associated Bank – $600 Bonus – IA, IL, IN, KS, MI, MN, MO, OH and WI
Huge bonus, does require a large balance of $10,000+ for a short period of time for the full $400 bonus but well worth doing if you have the spare funds. Available in a lot more states now.
USC Credit Union $400 – CA
Also requires some debit card transactions.
- Read our full post
- Soft pull
- Direct deposit of $2,000+ required
- Unknown if credit card funding is possible
Fulton Bank $300 – DE, DC, MD, NJ, PA, & VA – Direct Deposit Not Required
Nice bonus that only requires 15 debit card transactions to trigger. Bonus has been increased to $300 from $200.
- Read our full post
- Soft pull
- Can fund up to $500 with a credit card
- Direct deposit not required
Visions Federal Credit Union – NY, PA, NJ – $500
Bonus is at an all time high, has been $300 and $200 in the past.
- Read our full post
- Soft pull
- Can fund up to $2,500 with a credit card
- Direct deposit of $500+ required
TruStone Financial $500 – WI & MN only
Previously this was only $150 or $350.
- Read our full post
- Soft pull
- Can fund up to $2,000 with a Visa/Mastercard
- Direct deposit of $5,000+ required
Suffolk Credit Union $500 – NY
Previously this was a $300 bonus but direct deposit wasn’t required.
- Read our full post
- Unknown if hard/soft pull
- Unknown if credit card funding is possible
- Direct deposit not required
Regions Bank $400 Checking Bonus + $50 – AL, AR, FL, GA, IL, IN, IA, KY, LA, MS, MO, NC, SC, TN & TX
This is the highest variation of this bonus we see. They are churnable every 12 months you might as well get that clocking going for another bonus ASAP.
- Read our full post
- Soft pull
- Can fund up to $100 with a credit card
- Direct deposit of $500+ required
Fifth Third $350 Checking Bonus – TX, CA, AL, FL, GA, IL, IN, KY, MI, NC, OH, TN, WV, SC
This seems to range from $250-$400 on a semi frequent basis. Best to do it when it’s $400 obviously.
Old National Bank $300/$650 Bonus – IA, IL, IN, KY, MN, WI, TN, ND & MI
Bit annoying to keep the $450 bonus fee free but can always just do the $250 bonus.
MIDFLORIDA Credit Union – $400 – FL
Older datapoints suggest hard pull but newer one say soft pull.
- Read our full post
- Soft pull
- Unknown if credit card funding is possible
- Direct deposit of $500+ required
Republic Bank – FL, IN, KY, OH & TN – $400
Requires 10 debit card purchases and 3 or more ACH credits (direct deposits)
- Read our full post
- Soft pull
- Can fund up to $500 with a credit card
- Requires 3 or more ACH credits (direct deposits)
Valley Strong Credit Union $250 – Direct Deposit Not Required – CA, Select Counties
Unfortunately only available in Tulare, San Joaquin and Solano Counties.
First Bank Financial Centre (FBFC) $150 Bonus – Direct Deposit Not Required – WI Only
No monthly fees or direct deposit required. $150 donation is also made to a local school program.
- Read our full post
- Soft pull
- No credit card funding available
- No direct deposit required
SECU $350 – DC, DE, PA, VA, WV, MD
$350 is an all time high for this bonus.
MidFirst Bank $300/$350 – AZ, OK, TX
$300 is the highest we have seen from MidFirst.
AllTru Credit Union $300 Checking Bonus – MO
Just requires two $500+ direct deposits.
- Read our full post
- Soft pull
- Can fund with up to $500 with a credit card
- Direct deposit of $500+ required
Canandaigua National Bank $300 – NY
Bit annoying that there are multiple requirements that need to be completed over two months but worth it for $300.
- Read our full post
- Soft pull
- Direct deposit required in second and third month
- Unknown if credit card funding is possible
Florida Credit Union $300 Checking – FL
There is also a $300 CD bonus that can be done at the same time.
- Read our full post
- Soft pull
- Can fund up to $2,500 with a credit card
- Direct deposit of $500+ required
Unity Bank $300-$400 – NJ, PA
$300 bonus is easier to keep fee free.
BOK Financial $450-$750 – CO
There is also a $200 savings bonus, probably worth just paying the monthly fee on the $750 bonus to get the extra $300.
Pittsfield Coop Bank $500/$750 – MA Pittsfield/Hinsdale Area
Might as well do the $750 offer as it only requires an extra 10 debit card transactions.
- Read our full post
- Soft pull
- Unknown if credit card funding is possible
- Direct deposit of $500+ required for six months
C&N Bank – $600 – PA, NJ & NY
Bonus is technically up to $1,000, but only $600 is really achievable.
Fidelity Bank $600/$800 Checking – Northeastern PA only
This is normally $400.
- Read our full post
- Deposit of $10,000 required for 30 days
- Soft pull
- Can fund up to $500 with a credit card
Truist $500 AL, AR, GA, FL, IN, KY, MD, MS, NC, NJ, OH, PA, SC, TN, TX, VA, WV or DC
Previously this was for $400.
Columbia Bank $500 Bonus – NJ only
This is the all time high on this. There is a $500 savings bonus as well.
- Read our full post
- Soft pull
- Can fund up to $500 with a credit card
- Direct deposit required but no minimum specified
Clearview Credit Union $412 – PA Only – Direct Deposit Not Required
Much better than a previous deal that required a direct deposit and was smaller.
bankESB (Easthampton Savings Bank) $325 – Direct Deposit Not Required – MA, CT, RI & NH
No monthly fees or direct deposit required.
- Read our full post
- Soft pull
- Can fund up to $1,000 with a credit card
- Direct deposit not required
Citizens Bank $400 Checking Bonuses – CT, DE, MA, MI, NH, NJ, NY, OH, PA, RI, VT
This is the highest bonus they have offered, it’s hard to keep the account fee free but that shouldn’t really be an issue as you can just pay the monthly fee and still end up ahead.
- Read our full post
- Soft pull
- Can fund up to $1,000 with a credit card
- Direct deposit of $1,000+ required
Huntington Bank – $400 – AL, AR, FL, GA, LA, MS, MO, OK, TN, OH, MI, IN, PA, KY, WV, IL, CO, MN, SC, WI, NC, TX
There is new anti churning language and we aren’t sure how this will be enforced.
Middlesex Savings Bank $350 – MA
Only requires 8 debit card purchases and has no monthly fees.
- Read our full post
- Soft pull
- Unknown if credit card funding is possible
- Direct deposit not required
South State Bank $300 checking Bonus – AL, CO, FL, GA, NC, SC, TX, VA – Direct Deposit Not Required
Doesn’t require a direct deposit either.
Numerica Credit Union $300 – WA, ID – Direct Deposit Not Required
Was $200, now increased to $300.
- Read our full post
- Unknown if hard or soft pull
- Can fund up to $500 with a credit card
- Direct deposit not required
Frontwave Credit Union $600 – CA
Was previously for $350, now for $600.
Metro Credit Union $500 Checking Bonus – MA, Southern NH
Previously you need to open in branch, that’s no longer the case.
- Read our full post
- Soft pull
- Can fund up to $2,000 with a credit card
- Direct deposit required, no minimum specified
Country Bank $400 – MA, NH, ME, RI, CT, VT – Direct Deposit Not Required
Can do billpay or ACH payment instead of a direct deposit. Not churnable anymore.
- Read our full post
- Unknown if soft pull
- Direct deposit optional
- Unknown if credit card funding available
North Shore Bank $400 Checking Bonus WI + IL – Direct Deposit Not Required
Either requires a direct deposit or 10 debit card purchases per month.
- Read our full post
- Soft pull
- No credit card funding
- Direct deposit not required
Bankers Trust $400 AZ, IA, NE In Branch
Great deal if you can do the credit card funding.
- Read our full post
- Soft pull
- Can fund up to $10,000 with a credit card, unsure if possible in branch
- Direct deposit required, no minimum
Travis Credit Union – $475 – CA
Requires a $10,000 direct deposit for the full bonus.
- Read our full post
- Soft pull
- No credit card funding
- Requires a direct depsoit but says any electronic deposit
First Merchants Bank $400/$600 – MI
Only really worth doing the $400 bonus, $600 requires a $25,000 balance.
- Read our full post
- Soft pull
- Can fund up to $2,500 with a credit card
- Direct deposit of $500+ required for three months
First Commonwealth Federal Credit Union $400 Checking Bonus – PA, NJ
Bonus increased to $400, previously was $250.
- Read our full post
- Soft pull
- Can fund up to $500 with a credit card
- Direct deposit of $500+ per month required
Byline Bank $450 Checking – IL & WI
Does mention a mailer but doesn’t say you need to have received one.
- Read our full post
- Soft pull
- Unknown if credit card funding is possible
- Direct deposit of $1,000+ required
Bank of Colorado – $500 – CO, In Branch
Not always in branch only. There is also a $750 business bonus.
WSECU – $500 – WA
Unfortunately they are Chexsystems sensitive.
- Read our full post
- Soft pull
- Can fund up to $1,000 with a credit card
- Direct deposit of $1,000+ required
OneAZ $300 Checking Bonus – AZ Only
Has been as high as $500 in the past but that was a long time ago.
- Read our full post
- Soft pull
- Credit card funding of $500 required
- Direct deposit of $1,000+ required for six months
KeyPoint Credit Union $300 Checking – CA Only
Big bonus with a nice amount of credit card funding.
- Read our full post
- Soft pull
- Can fund up to $3,000 with a credit card
- Direct deposit of $1,000 required
Stanford Federal Credit Union $250/$500 – CA
This requires a monthly direct deposit of $2,500 or $5,000.
- Read our full post
- Soft pull
- Unknown if credit card funding is possible
- Direct deposit of $2,500/$5,000 required
Flagstar Bank $400-$500 – AZ, CA, FL, IN, MI, NJ, NY, OH, WI
Recently increased to $300/$500 from $250/$350.
BMO Harris $400-$1,000 – AZ, CA, CO, FL, IA, IL, IN, MN, NM, NV, OR, UT, WA, WI
Quite a high deposit requirement but still worth doing.
- Read our full post
- Soft pull
- Cannot fund with a credit card
- Requires a direct deposit of $4,000 – $7,500
Santander $300-500 Checking Bonus – NH, MA, RI, CT, DE, NY, NJ & PA, In Branch
This was $400, but it’s now $500 with an easier $300 bonus as well.
- Read our full post
- Soft pull
- Can fund up to $500 with a credit card
- One or more direct deposits totaling $5,000 required
Equity Bank $400 – KS, MO, AR, OK & NE
Not sure if NE works or not, but they recently acquired a bank that operates in NE.
- Read our full post
- Soft pull
- Direct deposit of $1,000+ required
- Can fund up to $2,500 with a credit card
Camden National Bank $300 – MA, ME, NH
Have been slight variations of this offer in the past. There is also a $200 savings bonus.
- Read our full post
- Soft pull
- Can fund up to $500 with a credit card
- Direct deposit of $500+ required
Local Bank – $250 – AL
Direct link to offer
Previously you could get some of the bonus without completing the requirements, this isn’t possible any longer.
- Read our full post
- Soft pull
- Unknow if credit card funding is possible
- Direct deposit of $1,000+ required
Air Academy Credit Union $225 – CO
Has been as high as $250 in the past but as it’s not a huge difference I think this is still worth doing.
Bar Harbor Bank & Trust $200/$400 Checking Bonus – ME, VT & NH
They offer a free checking account.
- Read our full post
- Soft pull
- Unknown if credit card funding is possible
- Direct deposit of $250+ required
PECU $200, Direct Deposit Not Required – TX
Requires 5 debit card purchases of $10+
- Read our full post
- Unknown if hard/soft pull
- Can fund up to $250 with a credit card
- Direct deposit not required
Old Second Bank $300 Bonus – IL only
Another small bonus, upside is that $100 can be done without a direct deposit being required.
- Read our full post
- Soft pull
- No credit card funding
- Two direct deposits totaling $500 or more required
Oostburg State Bank $300 – WI
Just requires the direct deposit and a $750 balance.
- Read our full post
- Soft pull
- Unknown if credit card funding is possible
- Direct deposit of $500+ required
Vantage Credit Union $250, Direct Deposit Not Required – MO & IL
Unfortunately seems to be a hard pull
- Read our full post
- Hard pull
- Can fund up to $500 with a credit card
- Direct deposit not required
Westmark Credit Union $250 – Direct Deposit Not Required, ID Only
No monthly fees to worry about.
Safe 1 Credit Union $200 – CA, Direct Deposit Not Required
No monthly fee to worry about either.
- Read our full post
- Soft pull
- Can fund up to $500 with a credit card
- Direct deposit not required
Greater Nevada Credit Union – $250 – NV
Hasn’t been available for some time.
- Read our full post
- Soft pull
- Can fund up to $5,000 with a credit card
- Direct deposit required, no minimum
Inova Federal Credit Union – $250 – IN Only
Also requires 8 debit card purchases.
- Read our full post
- Soft pull
- $500 credit card funding
- Direct deposit of $200+ within 60 days required
WECU $250 Checking Bonus – WA
Sadly don’t know if it’s a hard or soft pull.
- Read our full post
- Unknown if hard or soft pull
- Unclear if credit card funding is possible
- Direct deposit of $100+ required
Freedom Credit Union $200 Referral Bonus – PA
Deal is made better if you can refer a few people as well.
- Read our full post
- Unknown if hard/soft pull
- Credit card funding of $500+
- Direct deposit required for the full bonus
CIBC US $200 IL, MI, MO, FL, CA & WI
Can now be opened online, previously it was in branch only.
KeyBank $300/$500 Bonus – AK, CO, CT, ID, IN, MA, ME, MI, NY, OH, OR, PA, UT, VT, or WA
Normally KeyBank offers a bonus of up to $300 but only in a few very specific areas, this seems to be available in a lot more areas than normal. If you’re considering this offer (and you should) then it’s worth doing sooner rather than later as it often expires before it’s listed to expire.
- Read our full post
- Soft pull
- Can fund up to $100 with a credit card
- Direct deposit of $500+ required
Heritage Community Credit Union – $500 – CA
Nice big bonus and requirements are relatively easy to meet.
- Read our full post
- Soft pull
- Unknown if credit card funding is possible
- Direct deposit of $500+ required
Elevations Credit Union – $500 – CO
This is the highest we’ve seen.
- Read our full post
- Soft pull
- Can fund up to $2,500 with a credit card
- Requires $1,000 direct deposit per month for two months
BOK Financial $300 College Bonus OK, AR, AZ, CO, KS, NM, TX & MO – Direct Deposit Not Required
Unfortunately only available to college students and they do require ID.
- Read our full post
- Soft pull
- Direct Deposit Not Required
- Unknown if credit card funding is possible
Municipal Credit Union – NYC $350 Bonus
Requires a $3,500 direct deposit for the full bonus.
Seacoast Bank $400 Bonus – FL, GA only
There is also a $200 savings bonus that can be done at the same time.
- Read our full post
- Soft pull
- Can fund up to $1,000 with a credit card but likely to be a cash advance in branch
- Direct deposit of $500+ required
Power Financial Credit Union $199 – FL – Direct Deposit Not Required
Previously bonus was only $100.
- Read our full post
- Mixed datapoints if it’s a hard/soft pull
- Unknown if credit card funding is possible
- Direct deposit not required
Everwise Credit Union $250 [Formerly Teachers Credit Union] IN & MI – Direct Deposit Not Required
Normally this bonus is only $200, but there is now another $200 that it’s easy to meet the requirements for.
Credit Human $300 Bonus – TX, LA only
No monthly fee to worry about.
- Read our full post
- Soft pull
- Can fund up to $150 with a credit card
- Two direct deposits of $250+ within 60 days of account opening
Broadway Bank $300 – TX
Fairly easy bonus and no monthly fees.
- Read our full post
- Soft pull
- Can fund up to $500 with a credit card
- Direct deposit of $2,500+ required
Fidelity Bank Up To $300 Checking Bonus + $100 Savings – MA, NH
Sometimes it includes Airpods or something similar instead of the $100.
- Read our full post
- Soft pull
- Direct deposit of $500+ required
- Can fund up to $500 with a credit card
Star Financial Bank – $300 – IN, In Branch
Been a long time since we’ve seen a bonus from Star Financial.
- Read our full post
- Soft pull
- Direct deposit of $500+ required
- Unknown if credit card funding is possible
S&T Bank $300/$400 – PA & OH
Just need to fund the account with $1,000.
- Read our full post
- Soft pull
- Can fund up to $100 with a credit card
- No direct deposit is required
Horizon Bank – $250 – IN, MI, In Branch only
Unfortunately this is in branch only.
- Read our full post
- Soft pull
- Unknown if credit card funding is possible
- Requires a recurring direct deposit of $100+
Tower Federal Credit Union $100 – MD – No Requirements
This bonus has no monthly fees or requirements to trigger, making it extremely easy.
Westfield Bank $100 Bonus – OH Only – Direct Deposit Not Required
Any ACH deposit will work for this, doesn’t need to be direct deposit/payroll.
- Read our full post
- Soft pull
- Can fund up to $500 with a credit card
- Direct deposit or recurring ACH deposit required
Orange County’s Credit Union $100 Checking Bonus – No Direct Deposit Required – CA Only
Always nice to see a bonus with no direct deposit required, in addition no monthly fees to worry about.
Horizon Credit Union $200 Checking Bonus – WA, ID, MT, OR – Direct Deposit Not Required
Unfortunately there is a hard pull but everything else about this offer is great.
- Read our full post
- Hard pull
- Credit card funding of $500
- Direct deposit not required
Alpena Alcona Area Credit Union $125 (Youth), $275 (Adult) – MI – Direct Deposit Not Required
Great to see a bonus available to youth/teens as well.
- Read our full post
- Soft pull
- Unknown if credit card funding is possible
- No direct deposit required
CCFBank $300 – WI, MN, MI
Also comes with a $100 donation.
Teachers Federal Credit Union – $600 – NY, FL
Can also be combined with a $100 referral.
- Read our full post
- Soft pull
- No credit card funding
- Direct deposit of $1,000+ for four months required
Northwest Bank $400 – NY, OH, IN, PA
Used to only be $160, so this is a huge increase.
- Read our full post
- Soft pull
- Unknown if credit card funding is possible
- Requires a $1,000+ direct deposit
St. Mary’s Bank $300 Checking Bonus – NH only
There is also a $200 savings bonus.
Trustco Bank $300 Checking Bonus – FL, MA, NJ, NY, VT, In Branch
Previously there was a bonus that didn’t require a direct deposit.
Monterra Credit Union – $150 – CA
Says any ACH transfer will work
- Read our full post
- Soft pull
- Can fund up to $500 with a credit card
- Requires a direct deposit of $500+
California Credit Union – $250 – CA
Previously this was only $150.
- Read our full post
- Soft pull
- Can fund up to $500 with a credit card
- Direct deposit of $500+ required for three months
WinTrust Community Bank $500 Bonus – IL, WI, FL, IN, MN
Now available in more states, requirements are easy as well.
- Read our full post
- Soft pull
- Unknown if credit card funding is possible
- Direct deposit of $500+ required for two months
Addition Financial $400 Bonus – FL, GA only
Has increased from $300 to $400.
- Read our full post
- Soft pull
- Direct deposit of $1,000-$2,000 required
- Can fund up to $3,000 with a Visa or Mastercard
TD Bank up To $300 Checking Bonus [CT, DC, DE, FL, MD, ME, MA, NC, NH, NJ, NY, PA, RI, SC, VT, & VA]
Excellent bonus, but does have quite a large direct deposit requirement to get the $300 and needs a balance of $2,500 to keep it fee-free. There is also a $200 savings bonus.
- Read our full post
- Soft pull
- Can fund up to $300 with a credit card
- Direct deposit of $500 for $150 bonus and $2,500 for $300 bonus
GECU Federal Credit Union – $300 – NM, TX
No monthly fees to worry about
- Read our full post
- Soft pull
- Can fund up to $250 with a credit card
- Direct deposit of $2,000+ required
WesBanco $300 – WV, PA, OH, IN, KY, MD, In Branch
Seems to only be available in branch this time.
- Read our full post
- Soft pull
- Unknown credit card funding
- Two Direct deposits of $200 required for full bonus
Penn Community Bank $400/$475 – PA, NJ, Direct Deposit Not Required
There is also a $50 statement savings bonus that can be done at the same time, although this isn’t currently being offered.
Camden National Bank – $300 – MA, ME, NH
There is also a $200 savings bonus.
- Read our full post
- Soft pull
- Can fund up to $500 with a credit card
- Direct deposit of $500+ required
ACNB – $200 Bonus-$600 – PA & MD only
This is the biggest variation offered.
- Read our full post
- Soft pull
- No credit card funding
- Direct deposit of $2,000-$6,000 required for three statement cycles
Savings Bank of Danbury $100-$300 – CT
Don’t think the $200 bonus is worth doing but both the $100 and $300 bonuses are.
- Read our full post
- Soft pull
- Unknown if credit card funding is possible
- Direct deposit required, amount varies on bonus
Community First Credit Union $200 Bonus – FL only
No monthly fees to worry about and a nice bit of credit card funding as well.
- Read our full post
- Soft pull
- Can fund up to $1,500 with a credit card
- Direct deposit of $300+ required
Bank of Hawaii $100 – $300 – HI
Difficult to keep the $400 bonus account fee free, but the $200 bonus is much easier.
- Read our full post
- Unknown if hard/soft pull
- Unknown if credit card funding
- Direct deposit of $2,000-$3,500 required
Arapahoe Credit Union $200 Referral Bonus – CO
Nice that this is a referral bonus.
- Read our full post
- Soft pull
- Can fund up to $1,005 with a credit card
- Direct deposit of $75+ required
Vantage Credit Union $250 – MO, IL – Direct Deposit Not Required
Would be higher but unfortunately it’s a hard pull.
Blaze Credit Union $250 Bonus, Direct Deposit Not Required – MN
Recently increased to $250.
ENT Credit Union $200 Bonus – No Direct Deposit Required – CO only
No monthly fees to worry about and doesn’t require a direct deposit.
Berkshire Bank – $300 + $360 Streaming Credit – MA, NY, CT, RI, or VT
Direct deposit requirement is a bit confusing as it says you need to use through pinwheel.
Delta Community Credit Union $250 Bonus – GA Only
Has been $200 without a direct deposit in the past.
TruMark Financial – $250 – PA
Nice bonus especially with the credit card funding.
- Read our full post
- Mixed DP on hard/soft pull
- Can fund up to $2,000 with a credit card
- Direct deposit of $1,000+ required
Sacramento Credit Union $200 – CA
No monthly fee and at it’s highest level.
- Read our full post
- Soft pull
- Can fund up to $500 with a credit card
- Direct deposit required, no minimum
Credit Union One $200 Bonus – MI only
Not as good as the $300 previously offered.
- Read our full post
- Soft pull
- Can fund up to $600 with a credit card
- Direct deposit of $1,000 required
Cornerstone Community Financial Credit Union – $300 – MI, OH
Unfortunately it’s a hard pull.
Propell Credit Union $250 – PA, In Branch Only
Bit annoying it needs to be opened in branch but the rest of the bonus is easy.
Summit Credit Union – $200 – WI – Direct Deposit Not required
Previously this was for students only, that doesn’t seem to be the case any longer.
- Read our full post
- Soft pull to open account but maybe hard pull to become member, YMMV
- Unknown if credit card funding is possible
- Direct deposit not required
DFCU Financial $100 Referral Bonus – FL, MI
Nice that it is a referral bonus. Previously was for $175 though.
- Read our full post
- Soft pull
- Can fund up to $1,000 with a credit card
- Direct deposit of $100+ required
Jovia Financial Credit Union $150 Checking Bonus – NY Only
Only requires a small direct deposit and no monthly fee.
- Read our full post
- Soft pull
- Unknown if credit card funding is possible
- Direct deposit of $100+ required
Grow Financial Federal Credit Union $300 FL, SC, & Military Only
No direct deposit and easy to keep fee free as well.
- Read our full post
- Soft pull
- Credit card funding of $500+ available
- Direct deposit required, no minimum
OneAZ $350 Checking Bonus – AZ Only – Direct Deposit Not Required
Has been higher in the past but required a direct deposit.
- Read our full post
- Soft pull
- Credit card funding of $500 required
- Direct deposit of $1,000+ required for six months
Kitsap Credit Union $330 – WA
Previous bonus was only $150.
- Read our full post
- Soft pull
- Two direct deposits of $330+ required
- Can fund up to $500 with a credit card
Suffolk Credit Union $300 – NY – Direct Deposit Optional
Unfortunately we don’t know if it’s a hard or soft pull.
- Read our full post
- Unknown if hard/soft pull
- Unknown if credit card funding is possible
- Direct deposit not required
Regent Bank $200 Referral Bonus – TX, MO, OK
Person referring also receives a $100 bonus.
Commonwealth Central Credit Union $200 CA, Direct Deposit Not Required
Unfortunately it’s a hard pull but at least no DD is required. This is also a referral bonus now.
CEFCU – $225/$275 – IL or CA only – Direct Deposit Not Required
Direct link to offer | Direct link to offer $225 bonus
Unfortunately it’s a hard pull to open.
Provident Bank – NJ, NY & PA – $300
Can be opened online now and it’s now a $300 bonus.
- Read our full post
- Soft pull
- Can fund up to $2,500 with a credit card
- Two direct deposits of $500+ required
Old Hickory Credit Union $250 Checking Bonus, Direct Deposit Not Required – TN
This would be higher but it’s a hard pull unfortunately.
- Read our full post
- Hard pull
- No credit card funding
- Direct deposit not required
U of I Community Credit Union $150 Checking Bonus, Direct Deposit Not Required
Requires 30 debit card transactions.
Reliant Community Credit Union $150 Bonus + $25 Referral Bonus – NY only
No monthly fees to worry about.
- Read our full post
- Soft pull
- Direct deposit required, no minimum mentioned
- Can fund up to $500 with a credit card
Desert Financial Credit Union $100 Referral Bonus For Both Parties – AZ only
Requires a referral, but that potentially makes it more profitable for those that do sign up if you can refer some friends/family.
- Read our full post
- Soft pull
- Unknown if credit card funding is possible
- Direct deposit required, no minimum specified
Community Choice Credit Union – $100 Referral – MI
Deal is obviously better if you can refer a P2 or other people for additional bonuses.
- Read our full post
- Soft pull
- Can fund up to $500 with a credit card
- Direct deposit required, no minimum?
Collins Community Credit Union $100 Bonus – IA only
No monthly fee to worry about and nice amount of credit card funding as well.
America First Credit Union $200 – AZ, NV
Has been as high as $200 in the past but with a lot more requirements.
- Read our full post
- Hard pull
- Unknown if credit card funding is possible
- Direct deposit not required
Embold Credit Union $200 – OR
Says requires paycheck but no minimum is mentioned
Power Financial Credit Union $100 – No Direct Deposit Required – FL only
Unfortunately seems to be a hard pull according to most people.
Hawthorn Bank $300 – MO, KS – In Branch Only
This requires a referral, person referring also gets a $150 bonus.
Service 1st Federal Credit Union – PA – $300
Can get $150 of the bonus without a direct deposit.
- Read our full post
- Soft pull
- Unknown if credit card funding is possible
- Direct deposit of $250+ required
GBC Bank – $300 – IN
Just need paperless statements to keep account fee free.
- Read our full post
- Soft pull
- Unknown if credit card funding is possible
- Direct deposit of $300+ required
1st Advantage Federal Credit Union – $200 – VA, NC
Bonus was as low as $100, but now up to $100.
- Read our full post
- Hard pull
- Unknown if credit card funding is possible
- Direct deposit required, no minimum
Community First Credit Union of Florida – $200 – FL – Direct Deposit Not Required
Just requires some debit purchases and a $1,000 deposit
- Read our full post
- Soft pull
- No credit card funding
- Direct deposit not required
Lafayette Federal Credit – $200 – MD, D.C., VA
Looks like it can be opened online now.
- Read our full post
- Soft pull
- Unknown if credit card funding is possible
- Direct deposit of $500+ required
California Coast Credit Union – $150 – CA – Direct Deposit Not Required
There is a $3.75 monthly fee that is not waived.
- Read our full post
- Mixed DP on hard/soft pull
- Can fund using a credit card for a total of $5,100
- Direct deposit not required
Summit Federal Credit Union – $150 – NY – Direct Deposit Not Required
Unfortunately does still require a bit of work to get the full bonus.
- Read our full post
- Soft pull
- Unknown if credit card funding is possible
- Direct deposit not required
Red Canoe Credit Union – $150 – OR, WA – Direct Deposit Not Required
Unfortunately don’t know a lot about this one.
- Read our full post
- Unknown if hard/Soft pull
- Unknown if credit card funding
- Direct deposit not required
VyStar Credit Union – $175 – FL, GA Only
Requires a direct deposit and 15 debit card transactions.
Mountain America Credit Union – $150 – UT, ID, NV, NM, MT, AZ
Hopefully it’s now a soft pull instead of hard.
- Read our full post
- Mixed DP on hard/soft pull
- You can fund with a credit card but a 2.5% fee is charged ($4.95 flat fee for debit cards).
- Direct deposit required, no minimum
Reliant Community Credit Union $150 Bonus + $25 Referral Bonus – NY only
No monthly fees to worry about.
- Read our full post
- Soft pull
- Direct deposit required, no minimum mentioned
- Can fund up to $500 with a credit card
Portland Federal Credit Union (PFCU) – MI – $100 Referral
This is a $100 referral bonus for both parties.
- Read our full post
- Soft pull
- Can fund up to $3,000 with a credit card
- Direct deposit required, no minimum specified
Verity Credit Union $100 Referral Bonus – WA
Nice bonus especially if you can refer a few people.
- Read our full post
- Soft pull
- Can fund up to $1,000 with a credit card
- Direct deposit of $500+ required
Greater Nevada Credit Union $100 – NV
Nice amount of credit card funding.
USE Credit Union $100 Bonus – CA only
This is a referral bonus, so the bonus referring you will also receive $100.
- Read our full post
- Soft pull
- Unknown if credit card funding is possible
- Direct deposit of $500+ required
Heritage Credit Union – WI & IL only – $100 Bonus
No monthly fees to worry about but a relatively small bonus.
First Financial Bank – $100 Referral – IL, IN, KY, OH
Bonus is $150 if referring a business.
- Read our full post
- Soft pull
- Can fund up to $500 with a credit card
- Two direct deposits totaling $500+ required
First US Community Credit Union $300 – CA
Unfortunately it’s a hard pull to open.
iTHINK Financial $125 – FL & GA
Can get $50 of the bonus without a direct deposit.
- Read our full post
- Soft pull
- Can fund up to $500 with a credit card
- Direct deposit of $1,000+ required
Financial Partners Credit Union – CA – $100 Referral Bonus
No monthly fees and the fact that it is a referral bonus makes this more attractive.
- Read our full post
- Soft pull
- Unknown if credit card funding is possible
- Direct deposit of $500+ required
Kohler Credit Union $100 Referral – WI
You also get $100 for each person you refer.
- Read our full post
- Soft pull
- Can fund up to $1,000 with a credit card
- Direct deposit of $3,000+ required
Primeway Federal Credit Union – $100 – TX, Select Counties
Also requires 5 debit card transactions.
- Read our full post
- Unknown if hard or soft pull
- Unknown if credit card funding
- Direct deposit of $500+ required
Western State Bank – $100-$250 – AZ, ND, MN – In Branch Only
Another relatively small in branch bonus, still worth doing if you live near a branch and have done the bigger bonuses listed above.
CinFed Credit Union $200 Referral – OH, KY, IN
Would be higher but it’s a hard pull.
- Read our full post
- Hard pull
- Direct deposit not required
Orion Financial – $150 – AR, MS, TN
They also have a 5% checking account.
The Bank of Princeton $100 Checking Bonus – NJ & PA, In Branch
No monthly fee is required which is nice.
- Read our full post
- Soft pull
- Unknown if credit card funding is possible
- Direct deposit of $500+ required
City National Bank – $100 Checking – VA, WV, OH – In Branch
Not the most attractive offer given that it’s only $100 and in branch only, but still worth considering for those that have done the bigger bonuses above.
Neighborhood Credit Union $300 Checking Bonus – TX
Previously this was only a $100 bonus, so it’s nice to see it increased by such a huge amount.
- Read our full post
- Hard pull
- Unknown if credit card funding is possible
- Direct deposit of $500+ required
Highly Region Specific/Branch Specific
TTCU Federal Credit Union $500 – OK Select Branches
Fantastic bonus if you live near a branch.
- Read our full post
- Soft pull
- Unknown if credit card funding is possible
- Recurring $500+ direct deposit required
Bank of Texas – $400/$850 TX, San Antonio
Requires a savings account now.
- Read our full post
- Soft pull
- No credit card funding
- Direct deposit not required, says ACH will work
Picatinny Credit Union $285 NJ – Morris County, New Jersey. Morris Essex Union Somerset
Available in more counties now as well.
- Read our full post
- Soft pull
- Can fund up to $500 with a credit card
- Direct deposit of $500+ required
Apple Bank $300 – NY, Rego Park branch
Only available in this one branch unfortunately.
Truity Credit Union $250 Referral – OK, KS, Highly Select Areas only
Person signing up gets $250, person referring gets $50. You either need to be a relative of existing member, affiliated with a qualifying employer or community partner or Bartlesville, OK, Lawrence, KS or Springdale, AR regions and make a one time $25 donation. Might be able to stack with base bonus.
TruWest Credit Union – $500 – AZ, TX – Select Counties
Must live, work or worship in one of the following counties: Maricopa, Pinal, Pima or Yavapai County, AZ, Travis or Williamson County, TX.
- Read our full post
- Hard pull
- Can fund up to $5,000 with a credit card
- Direct deposit not required
MyUSA Credit Union $200 Checking Bonus – OH – No Requirements
Must live/work/learn in Butler, Clark, Greene, Miami, Montgomery or Warren County in OH only
- Read our full post
- Soft pull
- Can fund up to $500 with a credit card
- No direct deposit required
Southland Credit Union $300 Checking Bonus – CA Long Beach
Only available at the long beach location.
City National Bank VA, WV, OH – $200 Bonus
This has been available online in the past, but currently in branch only.
- Read our full post
- Soft pull
- Unknown if credit card funding is possible
- Direct deposit of $200+ required
San Mateo Credit Union $150 Bonus – Direct Deposit Not Required – CA Only
Only available in San Mateo County, the City of Palo Alto, or certain areas of San Francisco.
- Read our full post
- Soft pull
- Can fund up to $500 with a credit card
- Direct Deposit not required
Purdue Federal Credit Union $400 IN, Lake & Porter County
Bonus was previously only $150.
- Read our full post
- Soft pull
- Direct deposit required, but fine print says any ACH will work
- Can fund up to $250 with a credit card
Recent Changes
- [10/6/26] Added Bask Bank $300
- [10/6/26] Added Navy Federal Credit Union $400
- [10/5/26] Added VyStar Credit Union – $175 – FL, GA Only
- [10/5/26] Added Old Hickory Credit Union $250 Checking Bonus, Direct Deposit Not Required – TN
- [10/5/26] Added Frontwave Credit Union $600 – CA
- [10/5/26] Added Santander $550 Business Checking Bonus – NH, FL, MA, RI, CT, DE, NY, NJ, or PA, In branch
- [10/5/26] Added TruWest Credit Union – $500 – AZ, TX – Select Counties
- [10/5/26] Added Citizens Bank $1,800 Savings Bonuses – CT, DE, MA, MI, NH, NJ, NY, OH, PA, RI, VT
- [10/4/26] Removed Cambridge Savings Bank $800- MA, NH
- [10/4/26] Removed Redstone Federal Credit Union $475 – AL, TN
- [10/2/26] Removed Equity Bank $1,000 – KS, MO, AR, OK, NE
- [10/2/26] Removed Atlantic Union Bank – $400-$800 – VA, MD NC, D.C.
- [10/1/26] Removed Spruce Money – $100
- [9/29/26] Added ACNB – $200 Bonus-$600 – PA & MD only
- [9/29/26] Added Farmers Insurance Federal Credit Union (FIGFCU) $250
- [9/29/26] Added Mountain America Credit Union – $150 – UT, ID, NV, NM, MT, AZ
- [9/29/26] Added GBC Bank – $300 – IN
- [9/29/26] Added Hudson Valley Federal Credit Union $750 – $1,500 Business Checking Bonus – NY, In Branch
- [9/29/26] Added Horizon Bank – $250 – IN, MI, In Branch only
- [9/27/26] Removed First Horizon Bank $450 Bonus – LA, NY, SC, TX, TN, AR, MS, AL, GA, KY, FL, NC & VA – Direct Deposit Not Required
- [9/22/26] Removed Greater Iowa Credit Union – $400 – IA
- [9/21/26] Removed Sunflower Bank $200 – AZ, MO, NM, KS & CO and TX, In Branch only – Direct Deposit Not Required
- [9/20/26] Removed Union Savings Bank – $450 Bonus – CT Only
- [9/20/26] Removed Union Savings Bank – $400 Bonus – CT Only
- [9/17/26] Removed Trustco Bank $350 Business Checking Bonus FL, MA, NJ, NY, VT
- [9/16/26] Removed FirstBank – $300 – CA, AZ & CO
- [9/16/26] Removed First National Bank Texas $300 – TX, AZ, AR, and NM
- [9/16/26] Removed Logix Credit Union $200 – CA
- [9/15/26] Removed Eastern Bank $750 Checking/Savings Bonus – MA, NH, ME, RI
- [9/14/26] Added Rogue Credit Union – $500 -OR, ID, Northern CA Direct Deposit Not Required
- [9/14/26] Added Atlantic Union Bank – $400-$800 – VA, MD NC, D.C.
- [9/14/26] Added Orion Financial – $150 – AR, MS, TN
- [9/14/26] Added BMO Bank $600 Checking Bonus – AZ, CA, CO, FL, IA, IL, IN, MN, NM, NV, OR, UT, WA, WI
- [9/14/26] Added Commonwealth Central Credit Union $200 CA, Direct Deposit Not Required
- [9/14/26] Added Valley Strong Credit Union $250 – Direct Deposit Not Required – CA, Select Counties
- [9/14/26] Added WesBanco $300 – WV, PA, OH, IN, KY, MD, In Branch
- [9/14/26] Added Camden National Bank – $300 – MA, ME, NH
- [9/14/26] Added Columbia Bank $500 Bonus – NJ only
- [9/12/26] Removed Seattle Credit Union $150 Checking Bonus, Direct Deposit Not Required – WA
- [9/10/26] Added Spruce Money – $100
- [9/10/26] Added Visions Federal Credit Union – NY, PA, NJ – $500
- [9/10/26] Added North Shore Bank $500 Checking Bonus WI + IL – In Branch
- [9/10/26] Added Elevations Credit Union – $500 – CO
- [9/10/26] Added Guaranty Bank – MO – $500
- [9/10/26] Added Lafayette Federal Credit – $200 – MD, D.C., VA
- [9/10/26] Added Santander $300-500 Checking Bonus – NH, MA, RI, CT, DE, NY, NJ & PA, In Branch
- [9/8/26] Added Live Oak $300 bonus (new & existing)
- [9/7/26] Added Bank of America $100-$500 Bonus
- [9/7/26] Removed Guaranty Bank – MO – $300 – Direct Deposit Not Required
- [9/6/26] Removed CommunityAmerica – $250 – CA, AR
- [9/2/26] Removed WesBanco $300 – WV, PA, OH, IN, KY, MD
- [9/1/26] Removed M&T Bank $400 Checking – CT, DC, DE, MA, MD, ME, NH, NJ, NY, PA, VA, VT, WV
- [9/1/26] Removed Bank of America $100-$500
- [9/1/26] Removed CommunityAmerica – $400 – Kansas City/St Louis
- [9/1/26] Removed GalaxyOne $1,000
- [8/31/26] Removed Buckeye State Bank 14% APY On Balances Up To $15,000 – OH
- [8/26/26] Added GalaxyOne $1,000 bonus
- [8/23/26] Added Greater Nevada Credit Union – $250 – NV
- [8/23/26] Removed Unify Financial Credit Union $150 – AR
- [8/21/26] Added Wells Fargo $500 Checking Bonus
- [8/17/26] Removed Texana Bank – $500 – TX, AR
- [8/17/26] Added Union Savings Bank – $450 Bonus – CT Only
- [8/17/26] Added KeyPoint Credit Union $500 Checking – CA Only
- [8/9/26] Removed Honor Credit Union $250 Checking Bonus – MI
- [8/9/26] Added Inova Federal Credit Union – $250 – IN Only
- [8/9/26] Added First National Bank Texas $300 – TX, AZ, AR, and NM
- [8/8/26] Added WesBanco $300 – WV, PA, OH, IN, KY, MD
- [8/8/26] Added Suffolk Credit Union $300 – NY – Direct Deposit Optional
- [8/8/26] Added Byline Bank $450 Checking – IL & WI
- [8/8/26] Added Bank of Hawaii $75 – $300 – HI
- [8/8/26] Added Eastern Bank $750 Checking/Savings Bonus – MA, NH, ME, RI
- [8/7/26] Removed Trustco Bank $300 Checking Bonus – FL, MA, NJ, NY, VT
- [8/6/26] Added First Horizon Bank $450 Bonus – LA, NY, SC, TX, TN, AR, MS, AL, GA, KY, FL, NC & VA – Direct Deposit Not Required
- [8/6/26] Added Simmons Bank – $900 Checking Bonus – AR, TX, TN, OK, MO & KS
- [8/6/26] Added Service 1st Federal Credit Union – PA – $300
- [8/6/26] Added 2UFI $500 Business
- [8/1/26] Removed Brex $500
- [8/1/26] Removed American Express $300 Checking Bonus
- [8/1/26] Removed Navy Federal Credit Union $250
- [8/1/26] Removed Island Federal Credit Union – $600 – Nassau County, Suffolk Country, NY
- [8/1/26] Removed Telhio Credit Union – $250 – OH
- [7/30/26] Removed TD Bank up To $300 Checking Bonus [CT, DC, DE, FL, MD, ME, MA, NC, NH, NJ, NY, PA, RI, SC, VT, & VA]
- [7/30/26] Removed TD Bank up To $200 Savings Bonus [CT, DC, DE, FL, MD, ME, MA, NC, NH, NJ, NY, PA, RI, SC, VT, & VA]
- [7/30/26] Removed First Heritage Federal Credit Union – $250 – NY, PA
- [7/30/26] Removed Mainstreet Credit Union – $300 – KS & MO
- [7/28/26] Added Equity Bank $400 – KS, MO, AR, OK & NE
- [7/28/26] Added SECU $350 – DC, DE, PA, VA, WV, MD
- [7/25/26] Removed 316 Financial $250
- [7/23/26] Removed Academy Bank $500 – AR, MO, KS, CO, AZ
- [7/20/26] Removed Provident Bank $300 Checking Bonus
- [7/20/26] Removed Connexus Credit Union $250 Checking Bonus, Direct Deposit Not Required
- [7/20/26] Added North Shore Bank $400 Checking Bonus WI + IL – Direct Deposit Not Required
- [7/20/26] Added CommunityAmerica – $250 – CA, AR
- [7/20/26] Added First Merchants Bank $300/$750 – MI
- [7/17/26] Added WSECU – $500 – WA
- [7/17/26] Added Telhio Credit Union – $250 – OH
- [7/17/26] Added Northwest Bank $400 – NY, OH, IN, PA
- [7/17/26] Added Regent Bank $200 Referral Bonus – TX, MO, OK
- [7/17/26] Added First US Community Credit Union $300 – CA
- [7/17/26] Added Summit Federal Credit Union – $150 – NY – Direct Deposit Not Required
- [7/17/26] Added Truist $400/$800 AL, AR, GA, FL, IN, KY, MD, MS, NC, NJ, OH, PA, SC, TN, TX, VA, WV or DC
- [7/17/26] Added U.S. Bank $450
- [7/17/26] Removed Superior Credit Union – $200 – OH, KY, IN, MI
- [7/16/26] Removed Varo Money $150 Referral
- [7/16/26] Added Propell Credit Union $250 – PA, In Branch Only
- [7/16/26] Added Travis Credit Union – $475 – CA
- [7/16/26] Added Brex $500
- [7/16/26] Added Embold Credit Union $200 – OR
- [7/16/26] Added Keybank $1,000 AK, CO, CT, ID, IN, MA, ME, MI, NY, OH, OR, PA, UT, VT, or WA, In Branch
- [7/16/26] Added FNBO Bank – $250 CO, KS, NE, IA, SD, IL, KS, TX
- [7/16/26] Added Truist $500 AL, AR, GA, FL, IN, KY, MD, MS, NC, NJ, OH, PA, SC, TN, TX, VA, WV or DC
- [7/16/26] Added FirstBank – $300 – CA, AZ & CO
- [7/16/26] Added Fidelity Bank $600/$800 Checking – Northeastern PA only
- [7/16/26] Added Heritage Community Credit Union – $500 – CA
- [7/16/26] Added Kitsap Credit Union $330 – WA
- [7/16/26] Added Bar Harbor Bank & Trust $400 Checking Bonus – ME, VT & NH
- [7/16/26] Added Bar Harbor Bank & Trust $200/$400 Checking Bonus – ME, VT & NH
- [7/16/26] Added Flagstar Bank $400-$500 – AZ, CA, FL, IN, MI, NJ, NY, OH, WI
- [7/16/26] Added Santander $400 Checking Bonus – NH, MA, RI, CT, DE, NY, NJ & PA, In Branch
- [7/16/26] Added 316 Financial $250
- [7/16/26] Added Bank of America $400-$2,500
- [7/16/26] Added Blaze Credit Union $250 Bonus, Direct Deposit Not Required – MN
- [7/16/26] Added First Heritage Federal Credit Union – $250 – NY, PA
- [7/16/26] Added Reliant Community Credit Union $150 Bonus + $25 Referral Bonus – NY only
- [7/16/26] Added Ameriprise Financial $400 Checking & Up To $1,000 Savings Bonus
- [7/14/26] Removed Bellwether Community Credit Union – $300 – NH, MA
- [7/10/26] Removed Eastern Bank $750 Checking/Savings Bonus – MA, NH, ME, RI
- [7/10/26] Removed Idaho Central Credit Union (ICCU) $150/$250 Bonus – ID, WA, OR, Direct Deposit Not Required
- [7/9/26] Removed Truist $400 AL, AR, GA, FL, IN, KY, MD, MS, NC, NJ, OH, PA, SC, TN, TX, VA, WV or DC
- [7/9/26] Removed South State Bank $300 checking Bonus – AL, CO, FL, GA, NC, SC, TX, VA – Direct Deposit Not Required
- [7/8/26] Removed Community Credit Union Florida – $500 – FL
- [7/7/26] Removed Lake Michigan Credit Union $100 Referral
- [7/5/26] Removed LBS Financial Credit Union – CA Only – $100 Bonus
- [7/5/26] Removed Service 1st Federal Credit Union – PA – $300
- [7/5/26] Removed PeoplesBank (Bankatpeoples) $350 MA & CT Only
- [7/5/26] Removed First Bank – $500 – CA, IL, KS & MO,
- [7/5/26] Removed First Horizon Bank $450 Bonus – LA, NY, SC, TX, TN, AR, MS, AL, GA, KY, FL, NC & VA – Direct Deposit Not Required
- [7/5/26] Removed Equity Bank $400 – KS, MO, AR, OK & NE?
- [7/5/26] Removed Visions Federal Credit Union – NY, PA, NJ – $500
- [7/5/26] Removed Mountain America Credit Union – $150 – UT, ID, NV, NM, MT, AZ
- [7/5/26] Removed Wings Credit Union $500 + $50 – MN, WI, MI, WI, FL, GA
- [7/4/26] Removed Popular Bank $400 – FL, NJ, NY
- [7/4/26] Removed Bank Novo – $500 – Business Checking
- [7/3/26] Removed Flagstar Bank $300-$500 – AZ, CA, FL, IN, MI, NJ, NY, OH, WI
- For changes before, click here.
If you know of any better bank account bonuses, let us know in the comments section and we will add them.
Put in an app and it went pending. No Chex hit from what I can tell.
Not offering a bonus currently AFAIK?
“Member FDIC” — better off getting a bonus from a whistleblower filing than 6 DDs 😂
Vystar CU (FL & GA) has a new checking account bonus – $175 – $25 at account opening and $150 after 90 days and establishing $1,000 in recurring DDs and completing 15 debit card transactions. Account has an unwaivable $5.99 fee. They cutely promote it as a $425 bonus but that includes ten potential referral fees at $25 each! https://vystarcu.org/personal/bank/checking-accounts/vystar-plus
thanks
Where would one go to start? Little to no upfront cash…
Hi, I’m new here. I just got a mailed offer from PNC Bank for a $700 cash bonus for checking. Two steps are “1. Open a new Virtual Wallet with Performance Select at your branch or online at pnc.com/bonus700. 2. Set up a qualifying direct deposit(s) of $5,000 within 60 days to the Spend account.” Letter has a “unique coupon code” that’s 16 digits that you are asked to enter at the URL above. Expires 11/16/2026.
Until it pays out, it cannot be confirmed. The bank could try to pull something later. What are your dates of opening, and DD’s, and bonus date? From what I have seen in the comments on DoC, nobody got the bonus yet.
Feels like a scam: “ © 2026 Topper. Member FDIC.” Or an unknown fintech that hasn’t come out of the lab yet: “ Join the Topper waitlistWe’ll email you when Topper opens and guide you through the switch. It takes about 5 minutes. “
Where was the 400$ offer? Don’t see that link
Must be eligible for membership. Promotional offer is valid for new direct deposit relationships only. To qualify for the $411 promotional reward, member must meet all promotional requirements, including: (1) establish a new direct deposit relationship with Community Choice Credit Union on or before December 31, 2026; (2) receive a minimum of three (3) qualifying direct deposits totaling at least $5,000 within 90 days of establishing the new direct deposit relationship; (3) enroll in Online Banking; (4) enroll in e-statements; and (5) have a custom image or affinity debit card associated with the qualifying account. All requirements must be met to be eligible for the promotional reward. Qualifying direct deposits may include payroll, passive income, government benefit payments, retirement income, or other payments as determined by the credit union. Current Community Choice Credit Union members who do not have an existing direct deposit relationship are eligible to participate, provided they establish a new direct deposit relationship by December 31, 2026 and meet all other promotional requirements. Members with an existing direct deposit relationship are not eligible for this promotion. Increasing, changing, or redirecting an existing direct deposit does not qualify as a new direct deposit relationship. Employees of Community Choice Credit Union are not eligible. Limited time offer beginning September 1, 2026. A new direct deposit relationship must be established on or before December 31, 2026. Members have 90 days from the date the new direct deposit relationship is established to complete the applicable direct deposit requirements. Once qualification is verified, the $411 promotional reward will be credited to the qualifying account within 30 days. Limit one promotional reward per member. Promotional reward may be subject to IRS tax reporting requirements. Community Choice Credit Union reserves the right to modify or discontinue this promotion at any time. See credit union for complete details. Federally insured by NCUA.
ISO of recs for bonuses that will post by year end. High amount to play with. TIA
IA only: https://www.comchoicecu.org/unbank/411-deposit/
Thanks. I completely missed that post from Bockrr and the discussions there. I have been busy lately.
As Bockrr stated on the contact us page… they have a ( my word: limited ) presence in MD & NJ. #2412848 When Bockrr posted it, I did a lil digging myself… https://www.usbanklocations.com/banks.php?q=Univest&lc=Zip+or+City&ct= Don’t get the OOS/Nationwide conga line going yet.
Got that here: https://www.doctorofcredit.com/capital-one-300-checking-bonus/ . There was a very recent $400 offer so won’t be adding the $300 to the best of list
“(I’m not affiliated with these websites).” Your zero comment history signals the opposite to me.
The referral offer does not stack with the checking promo, plenty of discussions here: [FL, MI, OH] Flagstar Bank $400-$500 Checking Bonus – Doctor Of Credit
Flagstar Bank has a referral program with $200 for the person who gets referred and $50 for the referrer when the person referred has DD and makes some debit card purchases. I don’t see anything to prevent it stacking with their other $500 offer which is currently on DoC. https://www.flagstar.com/promo/retail/referral-program.html
What’s weird is a referral is $100 elsewhere on their site. On your page, says it will be $50. https://www.calcoastcu.org/refer-a-friend/ Eligibility to join: https://www.calcoastcu.org/membership-benefits/ Serving everyone who lives or works in San Diego, Riverside, Orange, Los Angeles, Ventura, Imperial, and San Bernardino Counties. https://www.doctorofcredit.com/ca-california-coast-credit-union-150-checking-bonus-direct-deposit-required/
California Coast CU although listed on the site is now up to $200 with referral. https://www.calcoastcu.org/200/
Hmm, I think I can probably add it if it’s being advertised on the homepage I guess!
New BMO checking offer, up to $600 with DD https://www.bmo.com/en-us/main/personal/checking-accounts/digital-offer/
You had savings account in BofA currently?
Rogue’s own new-member page lists California counties as: Butte, Del Norte, Glenn, Humboldt, Lassen, Modoc, Plumas, Shasta, Siskiyou, Tehama, Trinity. However, the application page does not match the published footprint: Dropdown only shows Oregon and Idaho. No California line.
It’s not they know the payroll DD’s are a pain to change… They want your Direct Deposit because most people spend their paycheck where it lands. Not everyone collects banks like baseball cards and immediately moves the money elsewhere. For someone living paycheck to paycheck or tightly budgeted, switching banks is especially difficult, so they’re more likely to keep their DDs where they are. Requiring recurring DDs also provides the bank with a steady source of cash.
The same reason that banks want you to do a payroll DD: they know it’s a pain for some people to change.
I was able to change DD instantaneously for years at work but, after too many people were involved in scams over the past 2ish years, they locked it down. I can’t change my DD information without going to HR (across town) and filling out a paper form and it taking a week to process.
Variety of reasons. Some people can’t meet the requirements off their payroll DD, hard to change DD setup at work, payroll DD tied up to other bonuses, etc.
why do folks do this? I’ve always been curious. Why not just do a normal payroll DD?