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 · $10,000 to park. Change
37 bonuses you can meet, worth up to $749 after the interest you give up.
Worth after the interest the money you keep there would have earned at 5.00% APY, the best savings rate open to you, for as long as the bonus asks. Bonuses are taxable interest.
- Best bonus for you
- $749
- Premier Checking, BOKF
- You can meet
- 37
- 29 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.
- 1Premier Checking$749after $1 interest given up$750ends February 28, 2027$8,000 in direct depositsopen with $50 · 90 daysNot stated
The bank’s wording
“Open a Premier Checking account using promo code SUMMIT and deposit at least $8,000 in aggregate qualifying direct deposits within the first 90 days of account opening.”
bonus also requires: Accounts opened without an eligible promo code will not qualify for the cash bonus.; Qualifying direct deposits are recurring electronic deposits of a paycheck, pension, Social Se
- 2Share Draft / Checking$600no interest given up$600$1,000 in direct depositsopen with $1 · 180 daysNot stated
The bank’s wording
“New members must open a Teachers membership with a Regular or Youth Savings Account and a new Smart Checking, Share Draft Checking, or Young Professional Checking Account, enroll in Online Banking and eStatements, and receive qualifying direct deposits totaling at least $1,000 each month for six con”
bonus also requires: The offer is available only to new members who have not previously had any accounts or membership with Teachers Federal Credit Union.; Qualifying direct deposits must be regular A
- 3Flagstar 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)
- 4Premier 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,
- 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, 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
- 6Premier 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
- 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, enroll in online banking & e-statements within the Qualification Period, and have direct deposits of $500+ (for $300) or $2,000+ (for $500) each month of the 2 consecutive calendar months after the account-opening month.”
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 & e-statements within the Qualification
- 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 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
- 9Total 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
- 10Total 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
- 11Premier Checking$499after $1 interest given up$500ends 11/9/27$2,000 in direct depositsopen with $100 · 60 daysNot stated
The bank’s wording
“Open a new Premier Checking account, enroll in online banking and e-statements within the Qualification Period, and have direct deposits each month of the 2 consecutive calendar months after the opening month of at least $500 for the $300 bonus or at least $2,000 for the $500 bonus, with the offer m”
bonus also requires: Offer must be mentioned during in-branch account opening, accessed via the URL provided, or made by entering Builder when applying online; Enroll in online banking and e-statement
- 12Access 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
- 13Chase 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
- 14TD Beyond Checking$377after $123 interest given up$500ends November 30, 2026$2,500 in direct depositskeep $10,000 · 90 days≈ 20.3%on the money kept
The bank’s wording
“Open a new TD Beyond Checking account and have $2,500 in qualifying direct deposits post within 60 days for $300; for $500, also open a new TD Signature Savings or TD Simple Savings account, deposit at least $10,000 within the first 20 days, and maintain at least $10,000 for 90 additional days from ”
bonus also requires: Each direct deposit must be at least $250 and be a payroll, pension, or government benefit payment; person-to-person and transfers from other accounts do not count.; Not eligible
- 15Eastern Premier Checking$350no interest given up$350ends November 20, 2026$3,000 in direct depositsopen with $25 · 90 daysNot stated
The bank’s wording
“Open a new personal checking account between 10/17/2026 and 11/20/2026 and receive two or more recurring electronic payroll, pension, or government benefits direct deposits totaling at least $3,000 within the first 90 days after account opening, with a minimum opening deposit of $25 (Eastern Free Ch”
bonus also requires: Direct deposits must be recurring electronic payroll, pension, or government benefits deposits; person-to-person payments, transfers between your own accounts at Eastern Bank or o
- 16SECU Total™ Checking & Rewards$350no interest given up$350ends 12/31/2026Open with $2590 daysNot stated
The bank’s wording
“Open a SECU checking account during the promo period, enter promo code SECU350, set up e-statements, and have at least 2 separate qualifying payroll direct deposits post to the checking account within 90 days of opening.”
bonus also requires: Set up e-statements within 90 days of opening checking.; New members need to join SECU.; Qualifying direct deposits include recurring electronic deposits of payroll, pension or So
- 17American 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
- 18Flagstar 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)
- 19Premier Checking$300no interest given up$300ends November 13, 2026$500 in direct depositsopen with $25 · 60 daysNot stated
The bank’s wording
“Open a Rewards or Premier checking account between September 8 and November 13, 2026, and switch over direct deposit of $500 or more within 60 days of account opening.”
bonus also requires: Open a Rewards or Premier checking account between September 8 and November 13, 2026; Not be and not have been an owner of a Camden National Bank consumer checking account during
- 20Rewards Checking$300no interest given up$300ends November 13, 2026$500 in direct depositsopen with $25 · 60 daysNot stated
The bank’s wording
“Open a Rewards or Premier checking account between September 8 and November 13, 2026, and switch over direct deposit of $500 or more within 60 days of account opening.”
bonus also requires: Open a Rewards or Premier checking account between September 8 and November 13, 2026; Not be and not have been an owner of a Camden National Bank consumer checking account during
- 21Spending 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
- 22Freestyle Checking$299after $1 interest given up$300ends 2/28/2027$2,000 in direct depositsopen with $25 · 180 daysNot stated
The bank’s wording
“Receive a $300 bonus when you open a Freestyle Checking account and set up and receive a total of $2,000 or more in direct deposits within the first 90 days of opening.”
bonus also requires: Use the required promo code when opening the new checking account by 2/28/2027.; The offer is available to new Hancock Whitney checking clients age 18 or older.; The account must
- 23Ultimate Growth Checking$279after $21 interest given up$300ends December 31, 2026$2,000 in direct depositskeep $5,000 · 30 days≈ 73%on the money kept
The bank’s wording
“Open a new Ultimate Growth Checking account online with promo code SEPT2650013 applied at account opening, meet the $2,000 direct deposit requirement within 90 days to earn $300, then maintain a $5,000 daily balance during days 61-90 to earn an additional $200.”
bonus also requires: Promotional code SEPT2650013 must be applied at the time of account opening.; Available to qualified new checking customers only.; Customer must not have closed a Citadel checking
- 24360 Checking$245after $5 interest given up$250$1,000 in direct depositsopen with $500 · 75 daysNot stated
The bank’s wording
“Open a new 360 Checking account with promo code CHECKING250 and receive at least 2 qualifying direct deposits, each of $500 or more, in your first 75 days.”
- 25TD 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)
- 26Dollar Bank Everything Checking$199after $1 interest given up$200ends 12/31/26$2,500 in direct depositsopen with $50 · 90 daysNot stated
The bank’s wording
“Open an Everything Checking account by 12/31/26, provide promo code CM604 at account opening, and have cumulative direct deposits of $2,500 or more within 90 days of account opening with the account in good standing; offer is for new checking customers only.”
bonus also requires: Promo code CM604 must be provided at account opening; Offer is for new checking customers only; customers who had an open checking account within the past 180 days are not eligibl
- 27Chase Savings$138after $62 interest given up$200ends 01/27/2027Open with $5,00090 daysNot stated
The bank’s wording
“Open a new Chase Savings account and, within 30 days of offer enrollment, deposit qualifying new money into the new savings account; maintain the new money for 90 days from offer enrollment.”
bonus also requires: Your bonus will be determined on day 30.
- 28Personal Savings$118after $82 interest given up$200ends February 28, 2027Keep $10,00060 days≈ 12.2%on the money kept
The bank’s wording
“Open a Personal Savings account using promo code SUMMIT, deposit at least $10,000 in new funds within 30 days of account opening, and beginning on day 31 maintain a balance of at least $10,000 through day 90.”
bonus also requires: Minimum opening deposit of $50.; The qualifying account must be open and in good standing at the time of payout.; New funds must not be currently held at the bank.
- 29BANKOHANA BONUS RATE SAVINGS$109after $41 interest given up$150Keep $5,00060 days≈ 18.3%on the money kept
The bank’s wording
“Open a new Regular Savings, Bonus Rate Savings, or Bankohana Bonus Rate Savings account online or in branch, make New Money deposits of $5,000, $10,000, or $20,000 (per tier) within the first 30 days after account opening, and maintain a Daily Account Balance of the same amount every day from day 31”
bonus also requires: Qualifying deposits must be a personal or official check from another financial institution, an incoming wire, ACH credit, Online Banking external transfer, or external funding of
- 30High-Yield Savings Account$77after $123 interest given up$200ends November 13, 2026Keep $10,00090 days≈ 8.1%on the money kept
The bank’s wording
“Open and fund a new Promise Savings or High Yield Savings account with $10,000 in new money posting within 20 calendar days of the new savings account opening, alongside a qualifying Rewards or Premier checking account, and maintain a $10,000 minimum daily balance for 90 additional days.”
bonus also requires: Open a Promise Savings or High Yield Savings account between September 8 and November 13, 2026; Open a qualifying Rewards or Premier checking account between September 8 and Novem
- 31Promise Savings Account$77after $123 interest given up$200ends November 13, 2026Keep $10,00090 days≈ 8.1%on the money kept
The bank’s wording
“Open and fund a new Promise Savings or High Yield Savings account with $10,000 in new money posting within 20 calendar days of the new savings account opening, alongside a qualifying Rewards or Premier checking account, and maintain a $10,000 minimum daily balance for 90 additional days.”
bonus also requires: Open a Promise Savings or High Yield Savings account between September 8 and November 13, 2026; Open a qualifying Rewards or Premier checking account between September 8 and Novem
- 32Savings Account$77after $123 interest given up$200Keep $10,00090 days≈ 8.1%on the money kept
The bank’s wording
“Earn $200 with a new TD savings account and qualifying activities.”
bonus also requires: Qualifying activities are required.
- 33TD Signature Savings$77after $123 interest given up$200ends November 30, 2026Keep $10,00090 days≈ 8.1%on the money kept
The bank’s wording
“Open a new TD Signature Savings account, deposit at least $10,000 within the first 20 days of opening the account, and maintain the required balance of at least $10,000 for 90 additional days from the 20th day after account opening.”
bonus also requires: The account may be added to and bundled with a checking account to earn the additional $200 bonus.
- 34Freestyle Savings$59after $41 interest given up$100ends 2/28/2027Keep $5,00060 days≈ 12.2%on the money kept
The bank’s wording
“Open a Freestyle Savings account using the required promo code, deposit $5,000 or more within 30 days of opening, and maintain a $5,000 or more minimum daily balance for 60 days; the account must be open and have a positive balance when the bonus is awarded.”
bonus also requires: The email given at account opening must match the email address submitted to get the offer promo code.; A $25 minimum deposit is required at account opening.
- 35Checking account$27after $123 interest given up$150ends December 31, 2026$500 in direct depositskeep $5,000 · 180 days≈ 6.1%on the money kept
The bank’s wording
“Open a new personal checking account with promo code EM2 (or in-branch while mentioning the ad), activate a debit card and enroll in eStatements within 90 days for $50; add 2 or more direct deposits totaling $500 or more within 90 days for $100; and open a Money Builder Savings account and reach a $”
bonus also requires: Premier Plus checking requires a $5,000 opening deposit (per the page's account terms).; Money Builder Savings requires a $1,000 minimum opening deposit.; Account must have a posi
- 36MONEY BUILDER SAVINGS$27after $123 interest given up$150ends December 31, 2026Keep $5,000180 days≈ 6.1%on the money kept
The bank’s wording
“After meeting the $50 checking bonus requirements, open a Money Builder Savings account with a $1,000 minimum opening deposit and reach a balance of at least $5,000 by the 90th calendar day after opening the new personal checking account.”
bonus also requires: Must first meet the requirements of the first $50 checking bonus (checking account opened with promo code PK2, debit card activated, e-Statements enrolled).; Savings must be built
- 37Totally Free Checking$24after $1 interest given up$25ends January 4, 2027Keep $5090 daysNot stated
The bank’s wording
“Open a qualifying consumer checking account in person or online between October 1, 2026 and January 4, 2027, providing promo code BANKGIFT at account opening, with a minimum balance of $50 to open the account and obtain the bonus.”
bonus also requires: Promo code BANKGIFT must be provided at account opening.; Promotion valid October 1, 2026 through January 4, 2027.; Limit one eGift Card per person during the full promotional per
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
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