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.
| 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 |
| $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 | HistoryOpen |
| $600 $400 Perks with qualifying direct deposits or $600 Platinum Perks with new-money deposits | Huntington Perks / Platinum Perks Checking checking |
| $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 | HistoryOpen |
| $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 |
| $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 | HistoryOpen |
| $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 |
| $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 | HistoryOpen |
| $400 $400 flat with $1,000+ in direct deposits within 90 days | Chase Total Checking checkingDD required |
| $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 | HistoryOpen |
| $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 |
| $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 | HistoryOpen |
| $400 $50 with $1,000 to $4,999.99 in eligible direct deposits, $400 with $5,000+ | SoFi Checking and Savings checkingDD required |
| $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 | HistoryOpen |
| $300 $200 Complete Checking with $500 DD, $300 Beyond Checking with $2,500 DD | TD Bank Complete / Beyond Checking checkingDD required |
| $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 | HistoryOpen |
| $250 $250 with code CHECKING250 and two qualifying direct deposits of $500 or more each within 75 days | Capital One 360 Checking checkingDD required |
| $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 | HistoryOpen |
| $175 $175 flat after 10 qualifying transactions within 60 days | Chase Secure Banking checking |
| $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 | HistoryOpen |
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 | |
| 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 | |
| 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 | |
| 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 | |
| 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 | |
| 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 | |
| 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 | |
| 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 | |
| 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 | |
| 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 | |
| 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 |
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.