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How do I get a welcome bonus? Current Support Center

To earn the bonus, you must make direct deposits totaling $500 or more within 90 days of account opening. These qualifying activities for the offer must be completed within 30 calendar days of opening the Chime Checking Account. Once the required activities are completed, you’ll receive your new checking account bonus within 15 days. Then, set up and receive at least two direct deposits, each of $500 or more, within 75 days of account opening. There are no monthly fees or minimum deposit requirements for the account, and it earns a small amount of interest (0.10%) which beats the 0% you get from most other checking accounts. You can earn a $400 cash bonus by having at least $4,000 in qualifying direct deposits within the first 90 days.
You should review the Privacy and Security policies of any third-party website before you provide personal or confidential information. Other deposits or credits to your account, such as deposits of funds from person-to-person payments services (e.g., Zelle®), check or mobile deposits, and other online transfers are not eligible for TD Early Pay. 12For certain eligible direct deposits, we may make funds available for your use up to two business days before we receive the funds from your payor with our service, TD Early Pay. Your eligible personal deposit account must be active and enabled for ACH transactions and Online Banking transfers.
Once Overdraft payback has been utilized, your account will then be reviewed for Overdraft Grace when applicable. 4TD Beyond Checking accounts are eligible for monthly maintenance fee waivers on all personal savings accounts that you choose to link to your TD Beyond Checking account. The review team is made up of seasoned writers and editors who cover personal banking deposit accounts, such as checking, savings and certificates of deposit, as well as related banking services, such as overdraft programs and ATM networks. Depending on the category, these included account fees and rates (such as annual percentage yields), ATM and branch access, account features, account bonuses, customer service access and user-facing technology, such as innovative tools and mobile apps. We rated them on criteria including annual percentage yields, minimum balances, fees, digital experience and more.
The amount of the bonus paid will be based on qualifying direct deposits, totaling the amounts listed below plus qualifying transactions as listed below, all completed within 90 calendar days of the account opening date. Some of the banks currently offering checking account bonuses include SoFi, Chase, Citi, Bank of America, and TD Bank. You must receive a total of $1,000 or more in qualifying electronic deposits to your account within 90 calendar days of account opening.

How to avoid the monthly service fee

BMO Bank is currently offering a new account bonus on its Smart Advantage and Smart Money checking accounts. To qualify, you must deposit at least $100 a month to your account for 12 consecutive months. We’re here to help with flexible savings and investing options to keep your cash working while you focus on your business. We’re here to help with all of your HSA needs – including eligibility, coverage, debit card access and more.

Bank of America Checking Accounts: Up to $500 bonus

  • Your eligible personal deposit account must be active and enabled for ACH transactions and Online Banking transfers.
  • Keep reading to find out answers to commonly asked questions about checking account bonuses and other bank promotions.
  • Learn how to avoid the $15 monthly service fee.
  • A previous bonus offered new checking customers the opportunity to earn a $200 Chase checking account bonus by opening a Chase Total Checking® account and meeting requirements.
  • The revenue these partnerships generate gives us the opportunity to pay our great team of writers for their work, as well as continue to improve the website and its content.
  • SoFi Checking and Savings is offered through SoFi Bank, N.A., Member FDIC.
  • Deposit accounts that are part of the Wells Fargo Private Bank experience are not eligible for this offer.

Keep reading to find out answers to commonly asked questions about checking account bonuses and other bank promotions. ON THIS PAGEMore information about bank bonuses, checking account bonuses, and savings account bonuses We update our picks for the best bank account bonuses, the best checking account bonuses, and the best savings account bonuses as needed, chosen based on bonus amounts, bonus requirements, and account features. That’s many times better than the current median return of about 18% among checking account bonuses we track. A variety of Citizens checking accounts all have the same promotional offer, giving you options with various fee levels and features. See our picks for the best bank bonuses for a selection of the most valuable promotions from other financial institutions.

PNC Bank Virtual Wallet: Up to $400 bonus

We’ve rounded up additional excellent checking account bonuses and savings account promotions below. The information regarding any product was independently collected and was not provided nor reviewed by the company or issuer. The revenue these partnerships generate gives us the opportunity to pay our great team of writers for their work, as well as continue to improve the website and its content. We do not sell specific rankings on any of our “best of” posts or take money in exchange for a positive review.

  • She previously edited content on personal finance topics at GOBankingRates.
  • Receive a $250 or $500 bonus for each new personal account—or up to $1,000 when you open checking and savings accounts.
  • In 2026, checking account bonus offers could land you between $100 and $3,000.
  • The changes haven’t directly affected bank bonuses, but it could still be a good time to open a new bank account in case savings account interest rates fall.
  • We’re here to help with all of your HSA needs – including eligibility, coverage, debit card access and more.
  • To qualify, you must deposit at least $100 a month to your account for 12 consecutive months.

Best bank bonuses for checking and savings

The changes haven’t directly affected bank bonuses, but it could still be a good time to open a new bank account in case savings account interest rates fall. For this bank promotions roundup, more than a dozen data points were considered per offer. Around 100 financial institutions surveyed by our team of experts. Bonus$50 or $400Earn $50 or $400 with eligible direct deposit. In 2026, checking account bonus offers could land you between $100 and $3,000. To qualify, you’ll likely have to set up direct deposit with the bank and keep the account open for at least a few months.

If you’re looking to open a high-yield savings account, SoFi and Amex both offer excellent options. See our top picks based on interest rates, fees, ATM access, and more. We identified the 10 best checking accounts that are free to open and maintain. SoFi Checking and Savings is offered through SoFi Bank, N.A., Member FDIC. Earn $50 or $400 when you sign up and set up eligible direct deposit after opening a new SoFi online bank account.

We’re here to help with options and answers you need from being pre-approved to purchase your first home to refinancing your mortgage. If you’d like to open a new account, we’re here to help with current rates, term haha spin casino options and more. The banker will help you review your savings, credit, and more – and provide you personalized solutions. Open a no monthly maintenance fee Access Checking account, or view our other checking account options.