Best Checking Account Bonuses

3 offers
Editor's Choice

SoFi Checking & Savings

$300 Bonus

Open a SoFi account and set up direct deposit. Deposit $1,000+ to earn $50 or $5,000+ to unlock the full $300. No account fees or minimum balance, plus up to 4.30% APY on savings.

4.30% APY No monthly fees FDIC insured
Learn More on SoFi's website

Requirements

  • Open new SoFi Checking & Savings
  • Set up qualifying direct deposit
  • $1,000+ DD = $50 bonus
  • $5,000+ DD = $300 bonus

Pros

  • Industry-leading 4.30% APY
  • Zero monthly fees
  • Early paycheck (up to 2 days)
  • 55,000+ free ATMs

Cons

  • No physical branches
  • Direct deposit required
  • $5K needed for max bonus

Payout Timeline

Bonus typically credited within 14 days of meeting the direct deposit requirement. Account opening takes about 5 minutes online.

Key Smart Checking

$300 Bonus

Earn $300 when you open a Key Smart Checking account and make a direct deposit of $2,000+ within 90 days. Traditional bank with nationwide branches.

Ends Dec 19, 2026 FDIC insured Physical branches
Learn More on KeyBank's website

Requirements

  • Open Key Smart Checking account
  • $2,000+ direct deposit within 90 days
  • Must be new KeyBank customer
  • Offer ends December 19, 2026

Pros

  • Large $300 bonus
  • Nationwide branch network
  • 40,000+ free ATMs
  • Fee waived with direct deposit

Cons

  • $2,000 DD requirement
  • $6/mo fee without DD
  • Limited state availability

Payout Timeline

Bonus paid within 90 days after meeting requirements. Account opening takes about 10 minutes online or in-branch.

Current

$50 Bonus

Get $50 fast by signing up with code WELCOME50 and setting up a $200+ direct deposit within 45 days. Bonus lands in 10 business days—the easiest bonus available.

Easiest to earn FDIC insured Fastest payout
Learn More on Current's website

Requirements

  • Sign up with code WELCOME50
  • $200+ direct deposit
  • Complete within 45 days
  • New customers only

Pros

  • Very low $200 DD requirement
  • Fastest payout (10 days)
  • No monthly fees
  • Early paycheck access

Cons

  • Smaller bonus ($50)
  • Mobile-only (no branches)
  • Limited customer service

Payout Timeline

Bonus credited within 10 business days of meeting requirements. Account opens instantly on mobile app.

Disclosure: Bank bonuses are considered taxable income and may be reported on Form 1099-INT. Always check each bank's official terms for the most up-to-date requirements. Offers available to new customers only.

Best Savings Account Bonuses

2 offers
Best for Savers

CIT Platinum Savings

Up to $300

Deposit $25,000 for a $225 bonus, or $50,000+ for the full $300 bonus. Earn up to 3.75% APY with no monthly fees. Best option for those with larger savings.

Up to 3.75% APY No monthly fees FDIC insured
Learn More on CIT Bank's website

Requirements

  • Open new Platinum Savings account
  • $25,000 deposit = $225 bonus
  • $50,000+ deposit = $300 bonus
  • Maintain balance for funding period

Pros

  • High APY up to 3.75%
  • No monthly maintenance fees
  • Established online bank
  • Easy online management

Cons

  • High minimum ($25K-$50K)
  • Must maintain balance
  • No physical branches

Payout Timeline

Bonus credited within 30 days after funding period ends. Account can be opened online in about 10 minutes.

SoFi Savings

$300 Bonus

Same SoFi offer works for savings. Set up direct deposit—$1,000+ for $50, or $5,000+ for the full $300 bonus. Earn 4.30% APY with no minimum balance required.

4.30% APY No minimum balance FDIC insured
Learn More on SoFi's website

Requirements

  • Open SoFi Checking & Savings
  • Set up qualifying direct deposit
  • $1,000+ DD = $50 bonus
  • $5,000+ DD = $300 bonus

Pros

  • 4.30% APY on savings
  • No minimum balance
  • Combined checking + savings
  • Lower entry point than CIT

Cons

  • Requires direct deposit
  • Online-only (no branches)
  • APY requires activity

Payout Timeline

Bonus credited within 14 days after meeting direct deposit requirements. Opens in about 5 minutes.

Disclosure: Savings bonuses are considered taxable income and may be reported on Form 1099-INT. Always confirm the latest terms and APY rates before applying.

Best Business Bank Account Bonuses

2 offers
Highest Bonus

U.S. Bank Business Checking

Up to $1,200

Open a new U.S. Bank Business Checking account and make a qualifying deposit to earn up to $1,200. Bonus amount depends on total deposits and maintaining them for a set period.

Highest business bonus FDIC insured Nationwide branches
Learn More on U.S. Bank's website

Requirements

  • Open new Business Checking account
  • Make qualifying deposit
  • Maintain balance for set period
  • Requirements vary by state

Pros

  • Highest business bonus available
  • Nationwide branch network
  • Full-service business banking
  • Integration with business tools

Cons

  • Higher deposit requirements
  • Terms vary by location
  • Monthly fees may apply

Payout Timeline

Check official promo page for current payout timeline. Requirements and bonus tiers vary by state and offer.

Axos Basic Business Checking

Up to $400

Earn up to $200 with code START200 by June 30, 2026, plus keep a $3,000 average balance for up to $200 cashback. Zero monthly maintenance fees.

No monthly fees FDIC insured Online bank
Learn More on Axos Bank's website

Requirements

  • Open Basic Business Checking
  • Use code START200
  • $3,000 average balance for cashback
  • Offer valid through June 30, 2026

Pros

  • Zero monthly maintenance fees
  • Unlimited ATM fee reimbursements
  • No minimum opening deposit
  • Easy online account management

Cons

  • Online-only (no branches)
  • $3K balance for full bonus
  • Less robust than traditional banks

Payout Timeline

$200 signup bonus credited after meeting requirements. Cashback earned ongoing with qualifying balance.

Disclosure: Business bank bonuses are taxable and may be reported on Form 1099-INT. Terms can change at any time. Always confirm the latest eligibility and funding requirements on each bank's official site.

Best Credit Card Bonuses

3 offers
Best Cash Back

Chase Freedom Unlimited®

$200 Bonus

Earn $200 after spending $500 in the first 3 months. Plus 0% intro APR for 15 months on purchases and balance transfers. Unlimited 1.5% cash back on everything with no annual fee.

1.5% unlimited cash back No annual fee 0% APR 15 months
Apply Now on Chase's website

Requirements

  • Apply for Chase Freedom Unlimited
  • Spend $500 in first 3 months
  • New cardholders only
  • Subject to credit approval

Pros

  • $0 annual fee forever
  • 1.5% cash back on everything
  • 5% on Chase Travel purchases
  • 3% on dining & drugstores
  • 0% intro APR for 15 months

Cons

  • 3% foreign transaction fee
  • Requires good/excellent credit
  • Balance transfer fee (3%)

Payout Timeline

$200 bonus credited 6-8 weeks after meeting the $500 spend requirement. Cash back redeemable anytime for statement credit, direct deposit, or gift cards.

Discover it® Cash Back

$100 Bonus

Earn $100 cash bonus when you make your first purchase within 3 months. Plus earn 5% cash back in rotating categories each quarter.

No annual fee 5% rotating categories Fast approval
Apply Now on Discover's website

Requirements

  • Apply for Discover it Cash Back
  • Make first purchase within 3 months
  • No minimum spend amount
  • New cardmembers only

Pros

  • $0 annual fee forever
  • 5% back on rotating categories
  • Cashback Match doubles rewards first year
  • No foreign transaction fees

Cons

  • Smaller bonus than premium cards
  • 5% requires category activation
  • $1,500 quarterly cap on 5%

Payout Timeline

$100 bonus paid after first purchase posts. Typically appears within 1-2 statement cycles. First year cashback is doubled via Cashback Match.

Business Platinum Card® from Amex

200,000 Points

Earn 200,000 Membership Rewards® points after spending $20,000 in first 3 months. One of the largest credit card bonuses available.

$20K spend required Premium rewards Business card
Apply Now on Amex's website

Requirements

  • Apply for Business Platinum Card
  • Spend $20,000 in first 3 months
  • Must be business owner/authorized
  • Subject to credit approval

Pros

  • Massive 200K point bonus
  • Points transfer to 20+ airlines
  • Centurion Lounge access
  • $200 airline fee credit
  • Global Entry/TSA PreCheck credit

Cons

  • Very high $20K spend requirement
  • $895 annual fee
  • Best for high spenders only

Payout Timeline

Points credited after meeting spend requirement, typically within 1-2 billing cycles. Points worth ~$2,000+ when transferred to airline partners.

Disclosure: Credit card offers are subject to approval and terms may vary. Always review rates, fees, and rewards program rules before applying. Bonuses may be reported as taxable income.

Best Brokerage Account Bonuses

4 offers
Highest Bonus

SoFi Invest

Up to $1,000

Open a SoFi Invest brokerage account and deposit funds to earn up to $1,000 in free stock. Zero trading fees and no account minimums.

No trading fees FDIC & SIPC coverage Fractional shares
Learn More on SoFi's website

Requirements

  • Open new SoFi Invest account
  • Deposit funds (amount determines bonus)
  • Higher deposits = more free stock
  • New customers only

Pros

  • Up to $1,000 in free stock
  • $0 commission trades
  • Fractional shares available
  • No account minimums

Cons

  • Max bonus requires large deposit
  • Less advanced than some platforms
  • Limited research tools

Payout Timeline

Free stock credited shortly after account funding. Stock selection is random within your bonus tier.

Moomoo

Up to $1,000 in NVDA

Open a Moomoo account and deposit to receive NVDA stock. Deposit $100 for $20, $2K for $50, $10K for $300, or $50K for the full $1,000. Plus 8.1% APY on uninvested cash.

8.1% APY on cash FINRA/SIPC member Ends Dec 31, 2026
Learn More on Moomoo's website

Requirements

  • Open new Moomoo account
  • $100 deposit → $20 NVDA
  • $2,000 deposit → $50 NVDA
  • $10,000 deposit → $300 NVDA
  • $50,000 deposit → $1,000 NVDA

Pros

  • Guaranteed NVDA stock (not random)
  • 8.1% APY on uninvested cash
  • Advanced trading platform
  • Commission-free trading

Cons

  • Must maintain balance 60 days
  • High deposit for max bonus
  • Platform has learning curve

Payout Timeline

NVDA stock credited after deposit settles. Must maintain required balance for 60 days to unlock shares. Promo ends December 31, 2026.

Acorns

$20 Bonus

Set up a recurring investment of just $5/month and get a $20 welcome bonus when your first investment processes. Acorns rounds up purchases and invests the spare change.

Great for beginners FDIC insured sweep Automated investing
Learn More on Acorns' website

Requirements

  • Open new Acorns account
  • Set up $5/month recurring investment
  • First investment must process
  • New customers only

Pros

  • Very low barrier to start
  • Automatic round-up investing
  • Simple, hands-off approach
  • Good for building habits

Cons

  • Small bonus amount ($20)
  • Monthly fee ($3-5/mo)
  • Limited investment options

Payout Timeline

$20 bonus credited after first recurring investment processes successfully. Bonus typically appears within a few days.

Robinhood

Free Stock

Open a Robinhood account and link your bank to get a free random stock instantly. Most are worth a few dollars, but some users receive higher-value shares.

Instant signup SIPC member No minimum deposit
Learn More on Robinhood's website

Requirements

  • Open new Robinhood account
  • Link a bank account
  • No deposit required
  • New customers only

Pros

  • Instant free stock
  • No minimum deposit
  • Commission-free trades
  • Easy-to-use mobile app

Cons

  • Stock value is random ($3-$200)
  • Usually worth only a few dollars
  • Limited research tools

Payout Timeline

Free stock credited instantly after linking bank account. Can sell after 3-day holding period.

Disclosure: Investment bonuses vary based on funding and account type. Always review official terms and risk disclosures before investing. Securities are not FDIC insured and may lose value.

Frequently Asked Questions

Are bank account bonuses taxable?
Yes, bank bonuses are considered taxable income by the IRS. Banks typically report bonuses over $600 on Form 1099-INT or 1099-MISC. You'll need to report the bonus as income when filing your taxes, even if you don't receive a tax form.
Can I open multiple bank accounts to earn bonuses?
Yes, you can open accounts at different banks to earn multiple bonuses. This is sometimes called "bank account churning." However, most offers require you to be a new customer, so you typically can't re-open accounts at the same bank. We recommend starting with our top picks like SoFi ($300 bonus) or Chase Freedom Unlimited ($200 bonus).
How long does it take to receive a bank bonus?
Most bonuses are credited within 1-3 months after meeting all requirements. Some banks like Current pay within 10 business days, while others like KeyBank may take up to 90 days. Always check the specific terms for each offer.
Will opening a bank account hurt my credit score?
Opening a regular checking or savings account does not affect your credit score. Banks use ChexSystems (not credit bureaus) to verify your banking history. However, applying for credit cards like the Chase Freedom Unlimited or Discover it will result in a hard inquiry, which may temporarily lower your score by a few points.
What counts as a qualifying direct deposit?
Most banks accept payroll deposits from employers as qualifying direct deposits. Some banks like SoFi also accept ACH transfers from other banks or payment apps. However, requirements vary—some banks are strict about employer payroll only. Check each bank's terms or look at community data points before relying on workarounds.

Why Trust Our Recommendations

We've been covering bank bonuses since 2018. Our team independently researches each offer, verifies requirements, and tracks payout reliability. We only recommend banks with FDIC insurance and transparent terms.

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