.jpeg "18 Best New Bank Account")
Looking for a quick way to earn some extra cash? You might not need to look further than your wallet—or rather, your bank account. Many banks are offering lucrative sign-up bonuses for new customers who open checking or savings accounts and meet a few simple requirements.
From national banking giants to digital-only financial institutions, here are the 18 best new bank account promotions and bonuses available right now.
1. Chase Total Checking® – Get $300
Bonus: $300
How to Qualify: Set up a direct deposit within 90 days of account opening.
Availability: National, expires periodically.
Chase is a go-to for bonus hunters. Open a Chase Total Checking® account and receive qualifying direct deposits to pocket $300. Just be mindful of monthly fees, which can be waived with a qualifying balance or deposit activity.
2. Chase Secure Banking℠ – $100 for Easy Activity
Bonus: $100
How to Qualify: Complete 10 qualifying transactions in the first 60 days.
Perks: No overdraft fees.
This account is ideal for those seeking low-cost, no-surprise banking. Simply use your debit card or pay bills 10 times in 60 days and collect your $100 bonus.
3. Citi® Priority Checking – Earn Up to $2,000
Bonus Range: $200–$2,000
How to Qualify: Make a deposit within 20 days and maintain it for 60 days.
Tip: Bigger deposits mean bigger rewards.
With Citi’s tiered bonus system, higher deposits unlock higher bonuses. While the $2,000 tier requires a hefty $300,000 deposit, even a $10,000 deposit nets you $200.
4. PNC Virtual Wallet® – Up to $400
Bonus: Up to $400
How to Qualify: Meet direct deposit thresholds within 60 days.
Includes: Hybrid checking and savings features.
PNC’s Virtual Wallet accounts offer tools for budgeting, spending, and saving. Choose a product tier and complete the required deposits to receive up to $400.
5. Wells Fargo Everyday Checking – $300 Offer
Bonus: $300
How to Qualify: Set up $1,000+ in direct deposits in the first 90 days.
Note: Limited to customers who haven’t received a bonus in the past year.
Wells Fargo’s $300 promotion is straightforward and widely available. Just be sure to maintain qualifying activity to avoid monthly fees.
6. SoFi Checking and Savings – Up to $325
Bonus: Up to $325
How to Qualify: Enroll in direct deposit and meet deposit thresholds.
Extras: High APY and zero fees.
SoFi is perfect for digital-first users. The more you deposit via direct deposit, the more you earn—plus you benefit from high-interest savings rates and no overdraft fees.
7. Bank of America Advantage Banking – $200 Bonus
Bonus: $200
How to Qualify: Direct deposits totaling $2,000 within 90 days.
Note: Must use a targeted offer or promo code.
This well-known offer from Bank of America includes access to digital tools and a large ATM network. The key is to ensure you’re eligible for the offer before applying.
8. TD Bank Convenience Checking – $200 Welcome Bonus
Bonus: $200
How to Qualify: Receive direct deposits totaling $500 within 60 days.
Benefit: Low entry requirement.
TD’s checking bonus has one of the lowest direct deposit minimums on this list, making it a great starter offer.
9. HSBC Premier – Up to $4,000 Bonus
Bonus: Up to $4,000
How to Qualify: Transfer and maintain large balances.
Target Audience: High-net-worth individuals.
This offer comes with a high bar—typically over $500,000 in total assets—but the payout is equally large. Ideal for customers seeking premium banking services.
10. U.S. Bank Smartly® Checking – Up to $800
Bonus: $100–$800
How to Qualify: Open a new account, set up direct deposit, and meet balance/activity requirements.
Promo Code: Required at sign-up.
This tiered bonus from U.S. Bank rewards increasing direct deposit levels with bigger bonuses, all while offering a user-friendly account experience.
11. Ally Spending Account – $125 Promotion
Bonus: $125
How to Qualify: Receive qualifying direct deposits.
Fees: No monthly maintenance.
Ally is known for its intuitive mobile platform and customer-first banking experience. The account regularly features promotions and pays interest on balances.
12. Huntington Asterisk-Free Checking® – $150 Bonus
Bonus: $150
How to Qualify: Deposit at least $1,000 within 60 days.
No Monthly Fee: Makes it easier to keep the account long-term.
This account is a solid option for Midwest residents, offering a modest bonus with minimal hassle.
13. Discover Cashback Debit – $150 + Cashback Perks
Bonus: $150 (seasonal)
How to Qualify: Make qualifying debit card purchases.
Ongoing Perk: 1% cash back on up to $3,000/month in purchases.
Discover’s unique debit account stands out for offering cashback—an uncommon feature for checking. Bonus offers rotate, so check current terms.
14. Axos Rewards Checking – Up to $300
Bonus: Up to $300
How to Qualify: Meet direct deposit and spending conditions.
Online-Only: No physical branches.
Axos Bank is a great choice for tech-savvy users. Its rewards checking pays interest and gives you cash for becoming a new customer and staying active.
15. M&T Bank MyChoice Checking – $200 Bonus
Bonus: $200
How to Qualify: Direct deposits of $500 within 90 days.
Availability: Limited to certain states.
Simple requirements and solid online tools make this offer easy to recommend if you’re in M&T’s service area.
16. Capital One 360 Checking – $250 Seasonal Bonus
Bonus: $250
How to Qualify: Set up at least $1,000 in direct deposits in the first 60 days.
Specials: Bonus codes often required.
Capital One’s 360 Checking account is a top-tier digital product with fee-free overdraft options. Bonuses are offered during specific promotional periods.
17. BMO Harris Smart Advantage – $350 Offer
Bonus: $350
How to Qualify: Set up $4,000 in direct deposits within 90 days.
Tip: Use promo code during application.
This is one of the more generous bonuses for mid-tier banking customers. BMO’s online banking tools are also competitive.
18. Regions LifeGreen Checking – $300 Reward
Bonus: $300
How to Qualify: Receive $1,000 in direct deposits within 60 days.
Regional Bank: Primarily in the South and Midwest.
Regions Bank provides a competitive cash offer along with solid regional support and digital banking tools.
How to Make the Most of Bank Bonuses
To ensure you qualify for these promotions—and keep your bonus—follow these tips:
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Set Up Direct Deposit Promptly: Most bonuses require a recurring deposit from payroll, Social Security, or other sources. Initiate this as soon as your account is open.
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Read the Fine Print: Some bonuses are only available to customers who haven’t had an account in the last 6–12 months.
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Watch for Fees: Many banks waive monthly service fees if you meet deposit or balance requirements. Otherwise, those fees can quickly eat into your bonus.
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Track Your Timeline: Bonuses often have specific deadlines for deposits or transactions. Set reminders to stay on track.
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Know When to Close: Some banks require you to keep your account open for 90 or even 180 days, or you may forfeit your bonus.
Final Word
Bank account bonuses are one of the easiest ways to earn hundreds—or even thousands—of dollars for very little effort. Whether you want a simple no-fee account or a premium service package, there's likely a promotion that fits your needs.
Just be strategic: choose offers that suit your banking habits, meet the requirements on time, and take advantage of features like cashback, savings interest, or overdraft protection while you’re at it.
In 2025, these 18 offers represent some of the best opportunities to boost your balance with minimal risk.
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