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

Start from

A $3,000 paycheck $10,000 to park Both Just an opening deposit

What you have

Where you liveSome banks and credit unions serve only certain states.Direct deposit you can send each monthCash you can park for a few monthsA current customer can refer me (referral rewards count when they’re larger)

Your numbers stay in this page’s address; we don’t keep them.

For any state · no direct deposit · $500 to park. Change

3 bonuses you can meet, worth up to $100 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: $100; SECU Total™ Checking & Rewards, State Employees CU Of Maryland, INC
You can meet: 3; 63 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.

1SECU Total™ Checking & RewardsState Employees CU Of Maryland, INC · source · checked Nov 8, 2026
The bank’s wording
“Current students at Maryland colleges or universities who become new SECU members and open checking between 7/15/26 and 12/31/26 must open a Share Savings and SECU Total™ Checking & Rewards account using promo code STUDENT100 and, within 60 days of opening checking, set up e-statements and enroll in”
bonus also requires: Must be a current student at a Maryland college or university; Must become a new SECU member; membership eligibility is required; Open a Share Savings and SECU Total™ Checking & R
$100no interest given up$100ends 12/31/26Keep $1060 daysNot stated
2Checking accountOld Second National Bank · source · checked Nov 8, 2026
The bank’s wording
“Provide promo code DG2, open a new personal checking account subject to approval, apply for, receive and activate a debit card tied to the account, and enroll in e-Statements within 90 calendar days of account opening.”
bonus also requires: The primary account holder must not currently have an existing personal checking account at Old Second National Bank.; The primary account holder must not have had an existing per
$48after $2 interest given up$50ends December 31, 2026Open with $50180 daysNot stated
3Totally Free CheckingMidland States Bank · source · checked Nov 8, 2026
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
$24after $1 interest given up$25ends January 4, 2027Keep $5090 daysNot stated

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

63 more bonuses need more direct deposit or cash than you entered. Every bank bonus we track · Track the ones you go for