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Checking account bonuses

Personal checking offers, largest bonus first. Each row opens to every tier, and the bank and account link to the full terms.

Updated

Bonus Tally may earn a commission when you open an account through links on this page. It never changes the math or the ranking. Offers are listed whether or not they pay us.

Showing all 16 live offers.

Checking account bonuses, sorted by largest bonus
Bank and accountBonusWhat it takesCash to parkAnnual rateMonthly feeWhereEnds and checked
Chase Bonusup to $3,000What it takesDeposit and hold$500,000, investments countCash to park$500,000Annual rate2.43%Monthly fee$35 a month, waivableWhereBranch states (no list in the terms)The bank decides at applicationEnds and checkedChecked
HSBC Bonusup to $3,000What it takesDeposit and hold$500,000, investments countCash to park$500,000Annual ratehold period not stated in daysMonthly fee$50 a month, waivableWhereNo state limit in the termsThe bank decides at applicationEnds and checkedChecked
Citibank Cannot be combined with the Citibank Regular Checking offer for direct depositBonusup to $1,500What it takesDeposit and hold$200,000Cash to park$200,000Annual rate6.08%Monthly fee$15 a month, waivableWhere9 states and DCEnds and checkedChecked
Chase The $900 tier includes the Chase Savings bonusBonusup to $900What it takesDirect depositCash to park$15,000Annual rate24.33%Monthly fee$15 a month, waivableWhereNo state limit in the termsThe bank decides at applicationEnds and checkedChecked
Associated Bank Bonusup to $600What it takesDirect deposit$500 in direct depositsCash to park$10,000Annual rate36.50%Monthly feeNoneWhere10 statesEnds and checkedChecked
Huntington Bonusup to $600What it takesDeposit and hold$25,000Cash to park$25,000Annual ratehold period not stated in daysMonthly fee$10 a month, waivableWhere21 statesEnds and checkedChecked
Bank of America Bonusup to $500What it takesDirect deposit$10,000 in direct depositsCash to parkNoneAnnual rateno cash to parkMonthly fee$12 a month, waivableWhereNo state limit in the termsThe bank decides at applicationEnds and checkedChecked
Santander Bonusup to $500What it takesDirect depositCash to park$5,000Annual rate40.56%Monthly fee$10 a month, waivableWhere9 statesEnds and checkedChecked
Truist Bonus$500What it takesDirect deposit$2,000 in direct depositsCash to parkNoneAnnual rateno cash to parkMonthly fee$12 a month, waivableWhere17 states and DCEnds and checkedChecked
Wells Fargo Bonus$500What it takesDirect deposit$1,000 in direct depositsCash to parkNoneAnnual rateno cash to parkMonthly fee$15 a month, waivableWhereNo state limit in the termsThe bank decides at applicationEnds and checkedEnds Checked
U.S. Bank Bonusup to $450What it takesDirect deposit$8,000 in direct depositsCash to parkNoneAnnual rateno cash to parkMonthly fee$12 a month, waivableWhereBranch states (no list in the terms)The bank decides at applicationEnds and checkedChecked
SoFi Bonusup to $400What it takesDirect deposit$5,000 in direct depositsCash to parkNoneAnnual rateno cash to parkMonthly feeNoneWhereNo state limit in the termsThe bank decides at applicationEnds and checkedChecked
Citibank Cannot be combined with the Citibank Regular Checking offer for deposit and holdBonus$325What it takesDirect deposit$3,000 in direct depositsCash to parkNoneAnnual rateno cash to parkMonthly fee$15 a month, waivableWhereNo state limit in the termsThe bank decides at applicationEnds and checkedChecked
Capital One Cannot be combined with the 360 Checking offer for debit purchasesBonus$250What it takesDirect deposit$1,000 in direct depositsCash to parkNoneAnnual rateno cash to parkMonthly feeNoneWhereNo state limit in the termsThe bank decides at applicationEnds and checkedNo end date shownChecked
Capital One Cannot be combined with the 360 Checking offer for direct depositBonus$250What it takesDebit purchasesCash to parkNoneAnnual rateno cash to parkMonthly feeNoneWhereNo state limit in the termsThe bank decides at applicationEnds and checkedNo end date shownChecked
Valley Bank Bonus$100What it takesDirect deposit$500 in direct depositsCash to parkNoneAnnual rateno cash to parkMonthly fee$15 a month, waivableWhereNo state limit in the termsThe bank decides at applicationEnds and checkedNo end date shownChecked

Banks change and end offers without notice. Confirm every term on the bank's own page before you apply.

The full table has every live offer and every filter.

In this list

As of : 16 live offers, with top bonuses from $100 to $3,000. 12 ask for a direct deposit in at least one tier. 5 ask you to park cash for the first tier, from $1,000 to $150,000. The highest annual rate on a top tier is 40.56%. 4 charge no monthly fee. 5 are limited to listed states.

What a checking bonus asks for

A checking bonus pays you for moving everyday banking to a new account. The usual price is a direct deposit: part of a paycheck, a pension or a benefit payment, sent by the payer into the new account. Some offers ask for debit card purchases or a balance instead, and a few combine them. Each bank defines which deposits count, and the guide to what counts as a direct deposit covers the usual rules.

Watch the direct deposit total and the days you have to reach it. A $2,000 total within 90 days comes to about $670 a month. If your employer lets you split pay between accounts, the cost is a few minutes of setup and a few months of attention.

Fees while you wait

Many checking accounts charge a monthly fee unless you meet a waiver, often a direct deposit amount or a minimum balance. The fee column shows the charge, and each offer page lists the ways the bank publishes to avoid it. A $15 fee you cannot waive takes $45 from a bonus that arrives after three months. The guide to monthly fees sorts the usual waivers.

Banks generally keep checking bonuses for new customers. Each offer page says who can get it, as the bank's terms state it.

Questions about checking bonuses

Does a transfer from another bank count as a direct deposit?
It depends on the bank. Many banks count only deposits sent by a payer such as an employer, a pension fund or a government agency, and some also accept certain transfers. The bank's terms define it, and the offer page links to the bank's own page.
How long until the bonus arrives?
Banks pay after you meet every requirement, on a schedule their terms set. Some count from the day you finish, some from the end of the qualifying window and some in business days, so the table does not rank offers by payout time.
Is a checking bonus taxable?
Bank bonuses are generally taxable as interest income, and banks usually report them on Form 1099-INT. Where the terms name the form, the offer page shows it, and the guide to bank bonus taxes covers the rest.