Bank Bonuses

Banks pay you to open accounts. The table ranks recently source-checked bonuses by payout, with the requirements, fees, pull type and repeatability rules that decide whether it is worth your time. Looking for the account itself rather than the payout? Browse the full bank accounts database — every checking, savings and business account with fees, APYs and plan tiers.

What Counts as Direct Deposit for Bank Bonuses?

Learn how payroll, ACH transfers and payment apps differ under bank-bonus rules, and why a fee waiver or savings-rate requirement can use a different definition.

Soft Pull vs Hard Pull: Does Opening a Bank Account Hit Your Credit?

Opening a checking or savings account almost never touches your credit score. But almost never is not never, and the exceptions can sting. This page explains what banks actually check, which situations trigger a hard inquiry, and what to do if ChexSystems gets in your way.

Funding Bank Accounts With a Credit Card

Some banks let you make your opening deposit with a credit card. When the charge codes as a purchase, you just bought credit card spend for free. This is one of the oldest tricks in the bank bonus game, and it still works, but it demands one safety step before you try it.

Hub Accounts: The Churner's Home Base

Bonus accounts come and go. Your hub account stays. A hub is the one stable account that moves money in and out of everything else, and picking a good one is the single biggest quality-of-life upgrade in bank bonus churning.

Bank Bonus Churning: The Meta-Game

Individual bonuses are easy. The meta-game is everything around them: when you can repeat a bank, when you can close an account, what the IRS takes, and how fast you can move without tripping alarms. Learn these rules once and every bonus after that gets simpler.

Best Bank Account Bonuses

All Checking Savings Business Brokerage

Bonus	Account	Requirements	Fee	Pull	Repeatable?	Checked
$3,000 Up to $3,000 total ($1,200 checking + $1,800 savings) when a new checking and a new savings account are opened the same day and funded; checking-only applicants qualify for a smaller checking-side bonus	Citizens One Deposit Checking checkingDD required	· Open a new Citizens checking account and a new Citizens savings account on the same day between October 1 and November 15, 2026 · Checking side: at least one qualifying direct deposit of $1,000+ plus qualifying debit-card fuel purchases each month, up to $50/month ($600 total) on One Deposit, EverValue or Student Checking, or up to $100/month ($1,200 total) on Quest or Private Client Checking · Savings side: a single deposit of new money of $15,000+ within 10 business days of opening; $50/month if the balance stays $15,000-$39,999.99, $150/month if it stays $40,000+ · Each account must remain open through its payment date or that bonus is forfeited Expires: 2026-11-15 · Footprint states in the Northeast and Mid-Atlantic, plus online in some states	$9.99, waived with any one deposit per statement period	Soft	Not eligible if you had a Citizens checking account in the prior 6 months or earned a checking bonus in the prior 24 months; one bonus per customer under the offer terms.	2026-11-02	History Open
$2,500 $400 / $700 / $1,000 / $1,500 / $2,500 for qualifying new-money tiers of $5,000 / $15,000 / $50,000 / $100,000 / $200,000	Bank of America Business Advantage Banking business	· Open Fundamentals or Relationship by November 30, 2026 through the offer page or an associate; code must attach at opening · Deposit qualifying new money within 30 days; existing or previously held Bank of America/Merrill funds do not qualify · Maintain the tier balance from 31 days after enrollment through 90 days after opening; a lower daily balance can reduce the tier, and below $5,000 eliminates the bonus · Keep the account open and in good standing through payment; the bank aims to pay within 60 days after qualification Expires: 2026-11-30 · Public offer via the linked promotion or an associate applying its code	$16 Fundamentals or $29.95 Relationship; waivable, with Fundamentals free for the first 12 statement cycles	Unverified	No Business Advantage ownership or co-ownership in the prior 12 months; one bonus per business owner. Employees, personal and fiduciary accounts excluded; no combining checking offers.	2026-10-23	History Open
$2,000 $50 at $2,500, $100 at $5,000, $500 at $25,000, $2,000 at $100,000 in net deposits with promo code SWEETBONUS	tastytrade Individual Brokerage brokerage	· Open an eligible individual cash or margin account with promo code SWEETBONUS; IRAs and entity accounts are excluded · Make the first deposit between October 1 and November 30, 2026 · Total net deposits within 30 days of the first deposit set the tier: $2,500+ for $50 up to $100,000+ for $2,000 · Keep the counted deposits and the bonus in the account for 12 months from the first deposit Expires: 2026-11-30 · Nationwide, legal U.S. residents 18 and older	$0, no account fees	Soft	New tastytrade users only: never opened or funded a tastytrade account and never received a new-account bonus.	2026-10-12	History Open
$1,200 $400 Essentials with $5,000 in new money; $1,200 Platinum with $25,000, plus balance and transaction requirements	U.S. Bank Business Essentials / Platinum Business Checking business	· Open an eligible account September 28, 2026–January 13, 2027 using Q4DIG26 at opening · Fund within 30 days: $5,000 for Essentials or $25,000 for Platinum, from outside U.S. Bank and its affiliates · Maintain the required daily balance through day 60; fees can reduce the balance · Complete six qualifying posted transactions within 60 days · Keep the account open, positive and on the same product through payout, due within 30 days after the qualifying month ends Expires: 2027-01-13 · Online application subject to business and location eligibility; branches in U.S. Bank's footprint	$0 Essentials; $30 Platinum, waived through Payment Solutions or qualifying balances	Unverified	One bonus per business. Businesses with an existing U.S. Bank business checking account or one closed in the past 12 months are excluded, as are current employees. Cannot combine business checking bonuses.	2026-10-23	History Open
$1,000 $100 at $25k, $300 at $50k, $500 at $100k, $1,000 at $500k via referral code	Charles Schwab Schwab Starter Kit / Referral Offer brokerage	· Enroll with a referral code from an existing Schwab client and open an eligible brokerage account or IRA · Make a qualifying net deposit of outside assets within 45 days: $25,000+ for $100, $50,000+ for $300, $100,000+ for $500, $500,000+ for $1,000 · Bonus credits about a week after the 45-day window · In taxable accounts, keep the net deposit at Schwab for one year or Schwab may charge back the award Expires: Ongoing · Nationwide	$0, no account fees	Soft	New Schwab clients only. One offer per account and no more than one enrolled account per client.	2026-10-12	History Open
$1,000 10 free fractional shares for a $100+ initial deposit; Premium members also earn a 1% IRA transfer match, $1,000 shown assumes a $100,000 transfer	Webull Individual Brokerage brokerage	· Open an account and make an initial deposit of $100 or more for 10 free fractional shares · New accounts receive one month of Webull Premium; a $0.01 deposit activates a 1.4% APY cash booster for 30 days on up to $10,000 · IRA transfers earn a 1% match only with Premium; Standard accounts get 0% on transfers Expires: Ongoing · Nationwide	$0 account fees; Premium is a paid subscription after the free month	Soft	The free-share deposit offer is for new accounts. Webull labels it limited-time but publishes no end date; check the terms before funding.	2026-10-12	History Open
$1,000 Uncapped 1% match on IRA transfers and 401(k) rollovers; $1,000 shown assumes a $100,000 transfer	Robinhood Robinhood Retirement IRA brokerage	· Transfer an outside IRA or roll over a 401(k) into a Robinhood IRA · Everyone earns the 1% match on IRA transfers, 401(k) rollovers and contributions; Robinhood Gold subscribers earn 3% on annual contributions instead, about $225 at the $7,500 2026 limit · Keep matched funds at Robinhood 5 years to avoid an Early IRA Match Removal Fee; the 3% Gold match requires staying subscribed 1 year after the first Gold match Expires: Ongoing · Nationwide	$0; Robinhood Gold is $5 per month for the 3% contribution match	Soft	Match pays on each new transfer, so additional rollovers keep earning. Elevated 2% to 3% transfer windows recur periodically; the last ran January 8 to April 30, 2026.	2026-10-12	History Open
$600 $400 Perks with qualifying direct deposits or $600 Platinum Perks with new-money deposits	Huntington Perks / Platinum Perks Checking checking	· Open by January 15, 2027 using the official promotion’s online button or branch coupon so the code is attached · Perks: receive $500 in qualifying payroll, pension or government ACH deposits within 90 days; RTP, P2P and Huntington transfers are excluded · Platinum Perks: deposit $25,000 in new money within 90 days; Huntington funds are excluded except maturing personal CDs · Keep the eligible account open for 90 days and through payment; the bonus arrives within 14 days after qualification Expires: 2027-01-15 · AL, AR, CO, FL, GA, IL, IN, KY, LA, MI, MN, MS, MO, NC, OH, PA, SC, TN, TX, WV, and WI	$10 Perks, waived with $1,000 eligible monthly deposits or $5,000 relationship balance; $25 Platinum Perks, waived with $25,000 relationship balance	Unverified	New personal checking customers only; existing checking relationships and accounts closed within 12 months are excluded. Huntington may limit incentives across deposit relationships to one per rolling 24 months; offers cannot be combined.	2026-10-23	History Open
$500 $500 after at least two qualifying direct deposits totaling $2,000 and 20 qualifying debit-card purchases within 120 days	Truist One Checking checkingDD required	· Be at least 18, a U.S. resident with a valid U.S. taxpayer identification number and a physical address in an eligible state or DC · Open Truist One Checking by February 2, 2027 with at least $50; obtain and apply a valid single-use promo code at opening and accept the offer. The code cannot be added afterward or shared · Within 120 days, receive at least two qualifying ACH direct deposits greater than $5 each, totaling $2,000 or more. Day 1 is the day after opening · Complete at least 20 qualifying Truist debit-card purchases that post within the same 120-day window. ATM withdrawals, Zelle payments and bank fees do not count · Bonus direct deposits exclude person-to-person payments, real-time payments, ordinary account transfers and branch, ATM, online-transfer, mobile, debit/prepaid-card-number or mailed deposits · Keep the account in an eligible product, open, unrestricted and with a positive current balance when the bank attempts the payout · The $500 reward is paid within 10 business days after qualification. It is limited to once per client and account, cannot be combined with other checking offers, and may be reported for tax purposes · Use the official promotion. Truist reserves the right to deny rewards claimed through unauthorized third-party websites or suspected offer exploitation Expires: 2027-02-02 · AL, AR, DC, FL, GA, IN, KY, MD, MS, NC, NJ, OH, PA, SC, TN, TX, VA and WV	$12 per statement cycle; waived through qualifying deposits, balances, linked relationships, student status or primary-owner age	Unverified	Once per client under the current offer. Not available to current primary owners of a Truist personal checking account or anyone who closed one on or after July 14, 2025.	2026-10-23	History Open
$450 $250, $350 or $450 for at least two qualifying direct deposits totaling $2,000, $5,000 or $8,000 within 90 days	U.S. Bank Bank Smartly Checking checkingDD required	· Open during the September 10–November 10, 2026 promotion through the official offer page, or have a branch/phone banker activate the offer at opening · Fund the account with at least $25 within 60 days of opening to prevent closure; the product has a $25 opening minimum · Enroll in the U.S. Bank Mobile App or online banking within 90 days of opening · Receive at least two qualifying direct deposits within 90 days: $2,000–$4,999.99 total earns $250; $5,000–$7,999.99 earns $350; $8,000 or more earns $450 · Qualifying deposits are employer paycheck ACH or government benefits; other electronic transfers and person-to-person payments do not qualify · Keep the account open with a positive balance for payout; the adjusted-interest bonus is credited within 30 days after all requirements are completed Expires: 2026-11-10 · Subject to U.S. Bank footprint and account approval; offer may be unavailable outside the footprint and excludes Alliance partnerships and Trust Accounts	$12 per statement period; first two waived, then qualifying deposit, balance, relationship, age/group or tier waivers apply	Unverified	No owner may have an existing U.S. Bank consumer checking account, have held one in the past 12 months, or have received another U.S. Bank consumer checking bonus in the past 12 months. One bonus per eligible account; cannot combine checking bonus offers.	2026-10-23	History Open
$400 $400 flat with $1,000+ in direct deposits within 90 days	Chase Total Checking checkingDD required	· Enroll through the current official offer page or its coupon before opening the new account · Receive at least $1,000 in qualifying paycheck, pension or government-benefit direct deposits within 90 days of offer enrollment · External bank transfers, tax refunds, checks, Zelle, wires and micro-deposits do not meet the bonus deposit requirement · Chase states payout occurs within 15 days after the requirements are met; the enrolled account must be open and unrestricted at payout Expires: 2027-01-27 · Nationwide	$15, or $0 with one qualifying electronic-deposit, balance or linked-checking waiver	Unverified	New Chase checking customers only. Excludes accounts closed within 90 days or closed with a negative balance in the last three years. One new-checking bonus every two years from the last offer enrollment, and one bonus per account.	2026-10-22	History Open
$400 $100 for standard Virtual Wallet with $500+ in qualifying direct deposits, or $400 for Virtual Wallet with Performance Select with $5,000+ in qualifying direct deposits	PNC Virtual Wallet checkingDD required	· Open online through the offer page · Receive qualifying direct deposits within 60 days: $500+ for $100 or $5,000+ for $400 on Performance Select · Reward was scheduled to post 60 to 90 days after the conditions were met Expires: 2027-01-07 · Nationwide online, branch footprint in about 28 states	$7 to $25 by tier, waived with monthly DD or balance minimums	Soft	Not eligible with an existing PNC or FirstBank consumer checking account, an account closed in the past 12 months, or a PNC consumer checking premium received in the past 24 months.	2026-11-02	History Open
$400 $50 with $1,000 to $4,999.99 in eligible direct deposits, $400 with $5,000+	SoFi Checking and Savings checkingDD required	· Receive your first eligible direct deposit on or before December 31, 2027 · SoFi totals eligible direct deposits within 25 calendar days of the first eligible direct deposit of $1 or more · $1,000–$4,999.99 earns $50; $5,000+ earns $400; less than $1,000 earns no bonus · Eligible direct deposits are recurring payroll, pension or government-benefit ACH; P2P, merchant, bank transfers and tax refunds do not count · Bonus posts within 7 business days of meeting the requirements; checking must be open and in good standing Expires: 2027-12-31 · 50 US states and DC; account-opening eligibility applies	$0 monthly maintenance; some transaction fees apply	Soft	One bonus per member. New and existing members who have never set up direct deposit with SoFi qualify. Not repeatable after payout. For joint accounts, deposit activity counts only toward the primary account holder who opened the account first.	2026-10-23	History Open
$400 $400 with a $2,000 average ledger balance in each of the first three monthly statement cycles and ten qualifying transactions total	PNC Business Checking / Business Checking Plus business	· Open a new eligible Business Checking or Business Checking Plus account between October 1 and December 31, 2026; use the official offer page and confirm the promotion at opening · The business must have annual revenue below $10 million; only accounts with monthly statement cycles qualify · Maintain an average ledger balance of at least $2,000 in each of the first three statement cycles · Complete at least ten qualifying transactions total within those three cycles; these are not ten required in each cycle · Eligible activity includes business-debit purchases; ACH, wire or Zelle debits/credits; PNC online banking or bill-pay payments; remote deposits; checks deposited or written; and eligible PNC or Tempus merchant deposits · Keep the account open in the qualifying product for payout, due within 90 days after all conditions are met; changing products can change eligibility, requirements or reward Expires: 2026-12-31 · Businesses with annual revenue under $10 million, subject to PNC product and location eligibility	$12 Standard or $22 Plus; waivable, with the first three statement cycles free	Unverified	Any signer with authority on an existing PNC business checking account, an account closed in the preceding 90 days, or a promotional premium paid in the preceding 12 months makes the new account ineligible. Multiple accounts with the same signers qualify for only one premium. Existing, converted or repurposed accounts do not qualify.	2026-10-23	History Open
$300 $200 Complete Checking with $500 DD, $300 Beyond Checking with $2,500 DD	TD Bank Complete / Beyond Checking checkingDD required	· Open by November 30, 2026 through the qualifying official offer website · Within 60 days, receive $500 in qualifying direct deposits for the $200 Complete bonus or $2,500 for the $300 Beyond bonus · Each qualifying deposit must be at least $250 in payroll, pension or government benefits; P2P payments and bank or brokerage transfers do not count · Payment is due on or before 180 days after opening; the account must be open and unrestricted at payout Expires: 2026-11-30 · TD Bank U.S. footprint; online application remains subject to location eligibility	$15 Complete or $25 Beyond before waivers; ongoing waiver rules differ from bonus funding requirements	Unverified	Excludes existing TD personal checking customers, accounts closed in the previous 12 months, anyone who ever received a personal checking bonus, and Canadian cross-border banking customers.	2026-10-23	History Open
$250 $250 with code CHECKING250 and two qualifying direct deposits of $500 or more each within 75 days	Capital One 360 Checking checkingDD required	· Open through the CHECKING250 offer and apply the code; the account is subject to approval · Receive two qualifying regular-income direct deposits of at least $500 each within 75 days of opening · Keep the account open and in good standing through payout; Capital One assesses eligibility after day 75 and may take another 60 days to process the bonus Expires: Ongoing · Eligible US citizens or lawful permanent residents age 18+ with a qualifying US or APO/FPO address; full account and offer eligibility apply	$0 monthly maintenance; some services cost extra	Unverified	Excluded if you held 360 Checking, Simply Checking or Total Control Checking as a primary or secondary holder on or after January 1, 2024. One new account bonus; only one code per account; cannot combine account-opening offers.	2026-10-23	History Open
$175 $175 flat after 10 qualifying transactions within 60 days	Chase Secure Banking checking	· Open online with the offer page, or get an emailed offer code to open in a branch · Complete 10 qualifying transactions within 60 days of coupon enrollment: debit card purchases, online bill payments, Chase QuickDeposit, Zelle or ACH credits · No direct deposit required · Bonus deposits within 15 days after the transactions post; the account must be open and unrestricted at payout Expires: 2027-01-27 · Nationwide	$4.95, waived with $250+ in qualifying electronic deposits or for owners age 17 to 24	Soft	New Chase checking customers only. Not available if you closed a Chase checking account within 90 days or with a negative balance in the last 3 years; one new-checking bonus every two years from the last coupon enrollment.	2026-10-12	History Open

Best High-Yield Savings Rates

Where idle cash should sit between bonuses. Rates move; each row shows our last check.

APY	Bank	Minimum	Notes	Checked
4.00%	Openbank by Santander High Yield Savings	$500 to open	4.00% standard variable APY with a $500 opening minimum; an eligible new-customer boost of 0.35 percentage point can raise it to 4.35% for six months (offer listed as valid through November 3, 2026). Availability restrictions apply; confirm eligibility on the official opening flow.	2026-11-02	History Official
3.75%	CIT Bank Platinum Savings	$100 to open; $5,000 balance for the top rate	Variable standard APY: 3.75% on the entire balance at $5,000 or more, 0.25% below. $0 monthly maintenance fee. The separate BOOST50 promotion has eligibility and enrollment conditions; see the account review.	2026-11-02	History Official
3.65%	Barclays Tiered Savings	None; top tier requires $250,000	Tiered Savings advertises up to 3.65% APY; the top tier requires $250,000. Lower balances earn a lower variable rate.	2026-11-02	History Official
3.60%	Robinhood Gold High-Yield Cash Sweep	None	Requires Robinhood Gold, $5 per month or $50 per year. Uninvested brokerage cash sweeps to partner banks for FDIC coverage. Rate moves with the Fed; raised from 3.35% to 3.60% in a September 2026 hike.	2026-11-02	History Official
3.55%	Wealthfront Cash Account	$1	Cash management account, not a bank. Base rate is 3.55%; a 0.65% three-month new-client boost and a separate 0.25% direct-deposit-plus-investing incentive can raise it further. FDIC coverage is through program banks.	2026-11-02	History Official
3.50%	Marcus by Goldman Sachs Online Savings	None	3.50% APY as of October 12, 2026 with no minimum deposit and no fees. Referrals add a 1.00% APY boost for 3 months for both parties.	2026-11-02	History Official
3.30%	SoFi Checking and Savings	None	3.30% standard savings APY requires eligible direct deposit, a paid SoFi Plus subscription, or $5,000 in qualifying monthly deposits. New members can earn up to 4.40% for six months with a 1.10% promotional boost.	2026-11-02	History Official
3.20%	Ally Online Savings	None	3.20% variable APY across all published balance tiers, checked October 23, 2026. No monthly maintenance fee or minimum opening deposit; certain withdrawals and transfers are limited to ten per statement cycle.	2026-11-02	History Official
3.20%	American Express High Yield Savings	None	3.20% variable APY checked October 22, 2026. No monthly fee or minimum balance to earn the disclosed APY; deposit holds and transfer conditions apply.	2026-11-02	History Official
3.20%	Capital One 360 Performance Savings	None	3.20% variable APY on all published balance tiers, verified October 23. No monthly maintenance fee; service fees can apply.	2026-11-02	History Official
1.30%	Bluevine Business Checking	None	Business checking, not a consumer HYSA. Standard tier pays 1.3% on balances up to $250,000 when monthly activity goals are met; Plus pays 1.75% and Premier pays 3.0% on all balances with waivable monthly fees.	2026-11-02	History Official

Only bonus amounts and rates checked within the last 45 days appear here. Older records are withheld until a new official-source review. Bank bonuses are taxable interest income; expect a 1099. Read the churning rules before you start stacking.