Best bank bonuses October 2026, by value after costs
33 bank account bonuses open in October 2026, ranked by what each is worth if you do only what it asks. Checked against the banks' own pages between October 6, 2026 and October 6, 2026.
Updated
Ranked by value after costs
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.
| Rank and offer | Bonus | Worth after costs | What it takes | Ends | Checked |
|---|---|---|---|---|---|
| 1. Capital One 360 Performance Savings (personal) | Up to $1,500 | $1,278 | Deposit and hold: $100,000 | No end date shown | |
| 2. Bank of America Business Advantage Fundamentals Banking or Business Advantage Relationship Banking (business) | Up to $2,500 | $1,185 | Deposit and hold: $200,000 | Nov 30, 2026 (52 days left) | |
| 3. U.S. Bank Platinum Business Checking Package (business) | $1,200 | $1,036 | Deposit and hold: $25,000 | Jan 13, 2027 (96 days left) | |
| 4. E*TRADE Premium Savings Account (personal) | Up to $800 | $831 | Deposit and hold: $100,000 | Jan 10, 2027 (93 days left) | |
| 5. Chase Total Checking (personal) | Up to $900 | $752 | Direct deposit | Jan 27, 2027 (110 days left) | |
| 6. Huntington Unlimited Plus Business Checking (business) | $1,000 | $748 | Deposit and hold: $20,000 | Oct 14, 2026 (5 days left) | |
| 7. Wells Fargo Initiate Business Checking (also Navigate or Optimize Business Checking) (business) | Up to $825 | $661 | Deposit and hold: $25,000 | Nov 10, 2026 (32 days left) | |
| 8. Associated Access, Balanced or Choice Checking (personal) | Up to $600 | $534 | Direct deposit: $500 in direct deposits | Oct 31, 2026 (22 days left) | |
| 9. Bank of America Advantage Banking (SafeBalance, Plus or Relationship) (personal) | Up to $500 | Up to $500 | Direct deposit: $10,000 in direct deposits | Jan 31, 2027 (114 days left) | |
| 10. Truist One Checking (or Truist Marquee Checking) (personal) | $500 | $500 | Direct deposit: $2,000 in direct deposits | Feb 2, 2027 (116 days left) | |
| 11. Citibank Regular Checking (personal) | Up to $1,500 | $454 | Deposit and hold: $200,000 | Oct 26, 2026 (17 days left) | |
| 12. Santander Simply Right, Essential, Select or Private Client Checking (personal) | Up to $500 | $451 | Direct deposit | Dec 18, 2026 (70 days left) | |
| 13. U.S. Bank Smartly Checking (personal) | Up to $450 | $450 | Direct deposit: $8,000 in direct deposits | Nov 10, 2026 (32 days left) | |
| 14. Chase Business Complete Checking (business) | Up to $500 | $434 | Deposit and hold: $10,000 | Jan 21, 2027 (104 days left) | |
| 15. Relay business checking (business) | $500 | $401 | Deposit and hold: $10,000 | No end date shown | |
| 16. SoFi Checking and Savings (personal) | Up to $400 | $400 | Direct deposit: $5,000 in direct deposits | Dec 31, 2026 (83 days left) | |
| 17. U.S. Bank Business Essentials (business) | $400 | $367 | Deposit and hold: $5,000 | Jan 13, 2027 (96 days left) | |
| 18. Citibank Regular Checking (personal) | $325 | $325 | Direct deposit: $3,000 in direct deposits | Oct 26, 2026 (17 days left) | |
| 19. Live Oak Bank High-Yield Personal Savings (personal) | $300 | $300 | Deposit and hold: $20,000 | Oct 16, 2026 (7 days left) | |
| 20. Capital One 360 Checking direct deposit (personal) | $250 | $250 | Direct deposit: $1,000 in direct deposits | No end date shown | |
| 21. Capital One 360 Checking debit card (personal) | $250 | $250 | Debit purchases | No end date shown | |
| 22. Grasshopper Innovator Business Checking (business) | $300 | $234 | Deposit and hold: $10,000 | Oct 31, 2026 (22 days left) | |
| 23. Barclays Tiered Savings (personal) | $200 | $159 | Deposit and hold: $25,000 | Oct 31, 2026 (22 days left) | |
| 24. Found business checking (business) | $125 | $109 | Deposit and hold: $5,000 | Dec 31, 2026 (83 days left) | |
| 25. Valley Bank All Access Checking (personal) | $100 | $100 | Direct deposit: $500 in direct deposits | No end date shown | |
| 26. Chase Savings (personal) | $200 | $52 | Deposit and hold: $15,000 | Jan 27, 2027 (110 days left) | |
| 27. HSBC Premier Checking (personal) | Up to $3,000 | -$1,877 | Deposit and hold: $500,000, investments count | Dec 31, 2026 (83 days left) | |
| 28. Chase Private Client Checking (personal) | Up to $3,000 | -$1,932 | Deposit and hold: $500,000, investments count | Jan 27, 2027 (110 days left) | |
| 29. Axos Business Bundle (Basic Business Checking plus Business Premium Savings) (business) | $600 | Up to $600 | Deposit and hold: $51,500 | Jan 31, 2027 (114 days left) | |
| 30. Huntington Perks Checking (or Platinum Perks Checking) (personal) | Up to $600 | Up to $600 | Deposit and hold: $25,000 | Jan 15, 2027 (98 days left) | |
| 31. Huntington Unlimited Business Checking (business) | $400 | Up to $340 | Deposit and hold: $5,000 | Oct 14, 2026 (5 days left) | |
| 32. Axos Basic Business Checking (business) | $200 | Up to $200 | Deposit and hold: $3,000 | Jan 31, 2027 (114 days left) | |
| 33. Alliant Credit Union The Ultimate Opportunity Savings Account (High-Rate Savings) (personal) | $100 | Up to $100 | Deposit and hold: $1,200 | Dec 31, 2026 (83 days left) |
Worth after costs is the top tier's bonus, less monthly fees the bonus requirement does not waive and what the parked cash would earn at 4% elsewhere, plus the interest the account pays. "Up to" marks a figure that leaves a cost out because the bank does not state it as a rule. The methodology has every formula. Banks change and end offers without notice. Confirm every term on the bank's own page before you apply.
Ending in October 2026
| Offer | Bonus | Worth after costs | What it takes | Ends | Checked |
|---|---|---|---|---|---|
| Huntington Unlimited Plus Business Checking (business) | $1,000 | $748 | Deposit and hold: $20,000 | Oct 14, 2026 (5 days left) | |
| Huntington Unlimited Business Checking (business) | $400 | Up to $340 | Deposit and hold: $5,000 | Oct 14, 2026 (5 days left) | |
| Live Oak Bank High-Yield Personal Savings (personal) | $300 | $300 | Deposit and hold: $20,000 | Oct 16, 2026 (7 days left) | |
| Citibank Regular Checking (personal) | Up to $1,500 | $454 | Deposit and hold: $200,000 | Oct 26, 2026 (17 days left) | |
| Citibank Regular Checking (personal) | $325 | $325 | Direct deposit: $3,000 in direct deposits | Oct 26, 2026 (17 days left) | |
| Associated Access, Balanced or Choice Checking (personal) | Up to $600 | $534 | Direct deposit: $500 in direct deposits | Oct 31, 2026 (22 days left) | |
| Grasshopper Innovator Business Checking (business) | $300 | $234 | Deposit and hold: $10,000 | Oct 31, 2026 (22 days left) | |
| Barclays Tiered Savings (personal) | $200 | $159 | Deposit and hold: $25,000 | Oct 31, 2026 (22 days left) |
Questions about October 2026 bank bonuses
What are the best bank bonuses for October 2026?
Ranked by value after costs (the bonus, less fees and what the cash would earn elsewhere at 4%), the top 3 are Capital One 360 Performance Savings ($1,278 on a $1,500 bonus), Bank of America Business Advantage Fundamentals Banking or Business Advantage Relationship Banking ($1,185 on a $2,500 bonus) and U.S. Bank Platinum Business Checking Package ($1,036 on a $1,200 bonus). The order changes with your own cash and deposits, so try the calculator.
Which bank bonuses end in October 2026?
Huntington Unlimited Plus Business Checking (October 14, 2026), Huntington Unlimited Business Checking (October 14, 2026), Live Oak Bank High-Yield Personal Savings (October 16, 2026), Citibank Regular Checking (October 26, 2026), Citibank Regular Checking (October 26, 2026), Associated Access, Balanced or Choice Checking (October 31, 2026), Grasshopper Innovator Business Checking (October 31, 2026) and Barclays Tiered Savings (October 31, 2026), by the end dates the banks showed when we checked.
Which October 2026 bank bonuses need no direct deposit?
23 of the 33 offers can be earned without a direct deposit, usually by depositing and holding cash. The no direct deposit list has them with their terms.
Are bank bonuses taxable?
Bank bonuses are generally taxable as interest income, and banks usually report them on Form 1099-INT. Are bank bonuses taxable covers the forms and the timing.
Other months: November 2026. The full table has every live offer with filters.