Bank bonus finder
Which bank bonuses can you actually get?
Banks pay $100 to $3,000 to open an account, but each asks for something: a direct deposit, money kept for months, a deadline. Tell us what you have, and we show the bonuses you can meet, worth most after the interest that money would have earned elsewhere.
- Every figure from the bank’s own terms
- Ranked on value alone, never on what pays us
- Nothing you enter is stored
For any state · $3,000 a month in direct deposit · nothing to park. Change
15 bonuses you can meet, worth up to $500 after the interest you give up.
Worth after the interest the money you keep there would have earned at 7.00% APY, the best savings rate open to you, for as long as the bonus asks. Bonuses are taxable interest.
- Best bonus for you
- $500
- Flagstar Elite Checking, Flagstar Bank
- You can meet
- 15
- 51 more need more direct deposit or cash
- Maybe
- 3
- terms too thin for us to check
The bonuses you can meet, worth most first
Each links its page here, the bank’s own page and the day we checked it.
- 1Flagstar Elite Checking$500no interest given up$500$7,500 in direct deposits180 daysNot stated
The bank’s wording
“As a new personal checking customer, receive direct deposits (ACH credits) totaling at least $2,500 in each of three consecutive 30-day timeframes (days 1-30, 31-60, 61-90) after account opening, for a cumulative total of at least $7,500 within 90 days, to receive the $500 bonus 91-104 days after ac”
bonus also requires: Must open a Flagstar Elite Checking account (or Flagstar Ready Checking) as a new personal checking customer of Flagstar Bank; Each of the three 30-day timeframes (days 1-30, 31-6; +$200 if a current customer refers you (Flagstar Referral Program)
- 2Premier Checking$500no interest given up$500ends 11/9/27$2,000 in direct deposits60 daysNot stated
The bank’s wording
“Open a new Premier Checking account, mention the offer (or visit the URL provided, or enter the code Builder when applying online), enroll in online banking and e-statements within the Qualification Period, and have qualifying direct deposits each month for the 2 consecutive calendar months after th”
bonus also requires: Qualification Period is the 2 consecutive calendar months after the calendar month the account was opened; Mention offer during in-branch account opening, visit the URL provided,
- 3Premier Checking$500no interest given up$500ends 11/9/27$2,000 in direct deposits60 daysNot stated
The bank’s wording
“Open a new Premier Checking account, mention the offer or enter Builder when applying, enroll in online banking and e-statements within the Qualification Period, and have direct deposits of $500 or more (for $300) or $2,000 or more (for $500) each month for the 2 consecutive calendar months after th”
bonus also requires: Mention the offer during in-branch account opening, visit the URL provided, or enter Builder when applying online.; Enroll in online banking and e-statements within the Qualificat
- 4Premier Checking$500no interest given up$500ends 11/9/27$2,000 in direct deposits60 daysNot stated
The bank’s wording
“Open a new Total Access Checking, Access Plus Checking, or Premier Checking account by mentioning the offer, visiting the URL provided, or entering Builder when applying online, then enroll in online banking and e-statements and receive direct deposits each month of the Qualification Period at the t”
bonus also requires: Mention offer during in-branch account opening, visit the URL provided, or enter Builder when applying online; Enroll in online banking & e-statements within the Qualification Per
- 5Premier Checking$500no interest given up$500ends 11/9/27$2,000 in direct deposits60 daysNot stated
The bank’s wording
“Open a new Premier Checking account, mention the offer or enter Builder when applying, and have direct deposits of at least $500 (for $300) or $2,000 (for $500) each month for the 2 consecutive calendar months after the opening month, while enrolling in online banking and e-statements within that Qu”
bonus also requires: Mention offer during in-branch account opening, visit the URL provided, or enter Builder when applying online; Enroll in online banking & e-statements within the Qualification Per
- 6Total Access Checking$500no interest given up$500ends 11/9/27$2,000 in direct deposits60 daysNot stated
The bank’s wording
“Open a new Total Access Checking account using the Builder offer (mention it in branch, visit the URL provided, or enter Builder when applying online), enroll in online banking & e-statements, and have direct deposits of $500 or more (for $300) or $2,000 or more (for $500) each month for the 2 conse”
bonus also requires: Qualification Period is the 2 consecutive calendar months after the calendar month the new account was opened.; Account opening date is the business day the account is opened; an
- 7Total Access Checking$500no interest given up$500ends 11/9/27$2,000 in direct deposits60 daysNot stated
The bank’s wording
“Open a new Total Access Checking account, mention the offer at an in-branch opening, visit the URL provided, or enter Builder when applying online, then meet the tier's direct deposit amount each month for 2 consecutive calendar months and enroll in online banking & e-statements within the Qualifica”
bonus also requires: Mention offer during in-branch account opening, visit the URL provided, or enter Builder when applying online; Enroll in online banking & e-statements within the Qualification Per
- 8Total Access Checking$500no interest given up$500ends 11/9/27$2,000 in direct deposits60 daysNot stated
The bank’s wording
“Open a new Total Access Checking account, mention the offer or enter promo code Builder when applying, have direct deposits of $500 (for $300) or $2,000 (for $500) each month for the 2 consecutive calendar months after the account-opening month, and enroll in online banking & e-statements within the”
bonus also requires: Mention offer during in-branch account opening, visit the URL provided, or enter Builder when applying online.; Enroll in online banking & e-statements within the Qualification Pe
- 9Access Checking$450no interest given up$450ends February 28, 2027$3,000 in direct deposits90 daysNot stated
The bank’s wording
“Open an Access Checking account using promo code SUMMIT and deposit at least $3,000 in aggregate qualifying direct deposits within the first 90 days of account opening.”
bonus also requires: A qualifying direct deposit is a recurring electronic deposit of a paycheck, pension, Social Security, or other regular income from an employer, payroll provider, or government ag
- 10Chase Total Checking$400no interest given up$400$1,000 in direct deposits90 daysNot stated
The bank’s wording
“Open a new Chase Total Checking account, subject to approval, and have direct deposits totaling $1,000 or more made into the new checking account within 90 days of offer enrollment (the page's embedded offer text instead says $500 or more).”
bonus also requires: Account must be newly opened and is subject to approval.; Direct deposit means an electronic deposit of a paycheck, pension or government benefits using the Chase checking account
- 11American Express Rewards Checking$300no interest given up$300ends 02/01/2027$7,500 in direct deposits90 daysNot stated
The bank’s wording
“Open your first American Express Rewards Checking Account in your name by 02/01/2027, subject to approval, and have a total of $7,500 or more of Qualifying Direct Deposit(s) posted to the account within the first 90 days of account opening.”
bonus also requires: Applicants must be Card Members with a U.S. Basic Consumer Card, additional Card Members on a U.S. Basic Consumer Card account, or customers with an existing High Yield Savings Ac
- 12Flagstar Ready Checking$300no interest given up$300$1,500 in direct deposits180 daysNot stated
The bank’s wording
“As a new personal checking customer, receive one or more direct deposits (ACH credits) totaling at least $500 in each of three consecutive 30-day timeframes (days 1-30, 31-60, 61-90) after account opening, for a cumulative total of at least $1,500 within 90 days, to receive the $300 bonus 91-104 day”
bonus also requires: Must open a Flagstar Ready Checking account (or Flagstar Elite Checking) as a new personal checking customer of Flagstar Bank; Each of the three 30-day timeframes (days 1-30, 31-6; +$200 if a current customer refers you (Flagstar Referral Program)
- 13Spending Account$300no interest given up$300ends Dec. 31, 2026$1,000 in direct deposits60 daysNot stated
The bank’s wording
“Open your first Ally Bank Spending Account, use code allyauto300 by Dec. 31, 2026, be an Ally Auto customer selected to participate and notified via email directly from Ally Bank, put any amount of money in the account within 30 days, and set up qualifying direct deposits totaling at least $1,000 a ”
bonus also requires: Must be an Ally Auto customer at the time you open the account.; Only Ally Auto customers selected to participate and notified via email directly from Ally Bank are eligible.; The
- 14TD Beyond Checking$300no interest given up$300ends November 30, 2026$2,500 in direct deposits180 daysNot stated
The bank’s wording
“Open a new TD Beyond Checking account and have $2,500 total in qualifying direct deposits post to the account within 60 days, with each direct deposit being at least a $250 payroll, pension, or government benefit payment; Person-to-Person payments and transfers from other accounts are excluded.”
bonus also requires: Qualifying direct deposits are limited to electronic direct deposits of payroll, pension, or government benefit payments.; Each direct deposit must be at least $250.; Person-to-Pe
- 15TD Complete Checking$200no interest given up$200ends November 30, 2026$500 in direct deposits180 daysNot stated
The bank’s wording
“Open a new TD Complete Checking account and have $500 total in qualifying direct deposits post to the account within 60 days, with each direct deposit being at least a $250 payroll, pension, or government benefit payment; Person-to-Person payments and transfers from other accounts are excluded.”
bonus also requires: Qualifying direct deposits are limited to electronic direct deposits of payroll, pension, or government benefit payments.; Each direct deposit must be at least $250.; Person-to-Pe; +$100 if a current customer refers you (Share the Green)
Maybe: 3 whose terms we can’t check
These banks don’t state their requirements in enough detail for us to check them against your numbers. Read the bank’s page before you count on one.
- $25AIM Checking, TBK BANK, SSBBank’s page
- $400Checking Account, Republic Bank & Trust CompanyBank’s page
- $25Everyday Checking, TBK BANK, SSBBank’s page
51 more bonuses need more direct deposit or cash than you entered. Every bank bonus we track · Track the ones you go for