11 Best Banks in Nevada Where Your Money Actually Grows

1. Chase

Tipped and shift income in Nevada arrives unevenly, which makes a one-time $400 worth more here than a few extra basis points on a savings balance. Chase pays new customers $400 to open a Total Checking account and set up direct deposit It is the largest checking bonus on this page and the fastest to collect.

The bar is low and it is written down. Open a new Total Checking account and get $1,000 or more in qualifying direct deposits in within 90 days of enrolling. The total is cumulative rather than per deposit, so a couple of normal paychecks does it, and Chase pays the bonus within 15 days of you hitting the number. That $15 monthly fee waives to $0 with $500 or more in qualifying electronic deposits in the statement period, a $1,500 daily beginning balance, or $5,000 across linked accounts. Zelle, cash, checks, wires and interest are all excluded from the count.

The bonus is not the only reason to look. Chase runs 53 branches in Nevada, plus more than 5,000 nationwide and over 14,000 fee-free ATMs. Fifty-three branches makes Nevada one of the better-covered states for Chase relative to its population, so in-person banking is realistic rather than theoretical. Zelle is built in, the app is well rated, and you can add a Chase savings account or card later under the same login.

The catch worth naming: the bonus is only for people who are not already Chase checking customers, and you can collect one new-checking bonus every two years. Chase reports it to you on a 1099-INT, so set a little aside for tax. If that describes you, open a Total Checking account and claim the $400.

2. Current

Nevada pay is lumpy. Tips, shift differentials and seasonal hours mean the money does not arrive on the same day or in the same amount, while rent in Las Vegas, Henderson and Reno arrives on the first no matter what. A week between a short check and the next one is where the overdraft fees and the late fees live.

Current closes that gap. Set up $1,500 or more in Eligible Payroll Deposits within your first 35 days using code WELCOME75 and you get $75. The $1,500 is cumulative, so two or three normal paychecks get you there, and the bonus usually shows up within about ten business days. After that you can pull up to $1,000 of your next paycheck early through Paycheck Advance, with no interest and no credit check.

There is no monthly fee and no minimum balance. Read the deposit rule carefully, because it is the one place people trip: only genuine payroll direct deposits count. Non-payroll ACH transfers, Venmo, Cash App, Zelle, PayPal, Google Pay, mobile check deposits, cash and one-time deposits like a tax refund are all excluded. Worth being precise about the coverage too: Current is a financial technology company, not a bank. Banking services and the debit card come from Choice Financial Group and Cross River Bank, both Members FDIC, so your deposits get pass-through FDIC coverage up to $250,000 through those partner banks.

New customers only, and it is worth doing in the order above: open the account, enter WELCOME75, then point your payroll at it. Switch your paycheck and claim the $75 here.

3. SoFi

SoFi is one of the easiest and most rewarding banks to use right now. You can earn up to a $450 bonus when you open a SoFi Checking and Savings account and set up direct deposit. It takes only a few minutes to get started, and the bonus usually hits fast once your first paycheck lands.

You also get access to more than 55,000 fee-free ATMs, a simple app that makes saving automatic, and tools that help you track your money in one place.

If you want to earn more on your cash and get rewarded for banking smarter, SoFi is an easy choice.

4. Wells Fargo

In Nevada, Wells Fargo is a trusted banking choice with branches and ATMs throughout Las Vegas, Reno, and Carson City.

The Everyday Checking account offers a $325 bonus for new customers who open an account with $25 and meet the $1,000 direct deposit requirement within 90 days. With secure banking tools and excellent customer service, Wells Fargo provides peace of mind for Nevadans.

5. First Foundation Bank

Among its many checking accounts, First Foundation Bank offers a free checking account that requires a $100 minimum deposit. In addition, you can get up to $20 in ATM fees reimbursed each month with First Foundation Bank. 

Besides some of the best checking accounts in Nevada, First Foundation Bank also offers wealth management, small business banking, and CDs. First Foundation Bank’s savings account comes with above-average interest rates and doesn’t require a minimum balance. 

6. Nevada State Bank

You don’t have to swim Lake Tahoe to find Nevada’s best checking and savings accounts. Nevada State Bank offers several accounts to choose from, in addition to CDs and loans. 

The basic checking account is free if you have $250 in deposits or make 10 debit card purchases per month. This account requires $50 to open. 

You can also open an OnBudget Banking account with the same amount. This account comes with a free debit card, PopMoney access, and online and mobile banking, though it lacks overdraft protection and check-writing. 

The OnBudget Banking account has a $5 monthly fee. Nevada State Bank is also part of Zions Bancorporation, N.A., so you can use your debit card for free at Zions Bank locations.

7. One Nevada Credit Union

Among the deserts of Nevada, you’ll find One Nevada Credit Union. You can join and take advantage of any credit union promotions if you live, work, attend school, or worship in Clark, Nye, or Washoe County. 

The One Checking Account has a $5 monthly fee you can waive with a $2,000 average daily balance or if you have 15 debit card transactions each month. Membership requires a $5 fee to open an account. 

One Nevada Credit Union also offers savings accounts, CDs, and personal loans. You can earn monthly dividends on the savings accounts and access thousands of ATMs through the Allpoint ATM network. 

8. Plumas Bank

This local bank serves northern Nevada and offers several types of accounts. The basic checking account has no monthly fee if you make 10 or more transactions with your free debit card and enroll in eStatements. 

You’ll need $100 to open this basic checking account, but there’s no minimum balance required. Plumas Bank also offers small business banking services and competitive rates on CDs and savings accounts. 

9. Valley Bank of Nevada

Headquartered in northern Las Vegas, Valley Bank of Nevada was established in 2005. Nevada has three Valley Bank of Nevada branches, each offering several financial products and services. 

These include two checking accounts and one savings account. Personal Checking requires a $100 minimum opening deposit, while Personal Interest Checking requires $1,000 to open the account. 

The traditional savings account, Personal Savings, also requires a $100 minimum opening deposit. Valley Bank of Nevada pays interest monthly with this account. 

You can also open a money market account, CD, credit card, or loan with this Nevada-based bank. Valley Bank of Nevada offers up to five monthly ATM reimbursements and business banking services. 

10. WaFd Bank

Choose from two checking accounts at WaFd Bank: 

• Basic Checking Account: Open this account with a $25 deposit. No monthly fees or minimum balance requirements exist, but you must enroll in eStatements and set up direct deposit. 
• Stellar Plus Checking Account: This account requires a $25 opening deposit. You can waive the monthly fee if you have at least $20,000 in your account. If you have between $10,000 and $19,999, you can lower the monthly fee from $8 to $3. Accounts with less than $10,000 require an $8 monthly fee. 

WaFd Bank also offers money market accounts, mortgages, and CDs. This regional bank lets you choose between three styles of debit cards, which you can use for free with any MoneyPass ATM. 

11. Zions Bank

This regional bank operates in the following states: 

• Arizona
• Colorado
• Idaho
• New Mexico
• Utah
• Texas
• Wyoming
• Nevada

You’ll find over 50 Zions Bank branches in Nevada alone. This bank offers checking and savings accounts, CDs, and money market accounts.

To open a Zions Bank checking account, you need a $50 opening deposit. These accounts come with online and mobile banking, including mobile check deposit capabilities. 

While Zions Bank savings accounts don’t have a particularly high interest rate, you can earn a better rate on CDs. Zions Bank’s money market accounts require a $1,000 minimum deposit but no minimum balance.