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Best Bank Bonus Offers

Offer terms reviewed Methodology

Your offer profile

Enter what you can realistically route or park. Offers are sorted by estimated net value after cash drag.

Opportunity cost defaults to VBIL at 3.56% as of Jun 16, 2026.

Offers

Capital One

360 Performance Savings

Net value
$1,339
Net of $161 cash drag
Official terms
Expires
No listed end date
Bonus
$1,500
Cash hold
$100,000
105 days
Cash drag
$161
Direct deposit

No direct deposit required

How to earn it
  1. 1Open a new 360 Performance Savings account with promo code BONUS1500.
  2. 2Deposit $100,000+ in external funds during the first 15 days after account opening.
  3. 3Maintain the qualifying balance for 90 days after the 15-day funding period ends.
  4. 4Not available if you held a Capital One savings or money market account on or after Jan. 1, 2024.
Things to know

Existing or recent Capital One savings customers are excluded; deposits must be external new money.

Chase

Total Checking + Savings

Net value
$769
Net of $131 cash drag
Official terms
Expires
Jul. 15, 2026
Bonus
$900
Cash hold
$15,000
90 days
Cash drag
$131
Direct deposit

One qualifying checking direct deposit within 90 days

How to earn it
  1. 1Open Chase Total Checking and Chase Savings at the same time with the offer code.
  2. 2Have a qualifying paycheck, pension, or government direct deposit made to checking within 90 days.
  3. 3Deposit $15,000+ in new money to savings within 30 days and maintain $15,000 for 90 days.
  4. 4Keep enrolled accounts open and unrestricted through bonus payment.
Things to know

Existing Chase checking/savings customers and recent bonus recipients are excluded.

Bank of America

Advantage Plus / Relationship

Net value
$500
No estimated cash drag
Official terms
Expires
Sep. 30, 2026
Bonus
$500
Cash hold
None
Cash drag
$0
Direct deposit

$10,000 within 90 days

How to earn it
  1. 1Open Advantage Plus or Advantage Relationship Banking by Sep. 30, 2026 with a $100 minimum opening deposit; SafeBalance is not eligible.
  2. 2Receive qualifying direct deposits within 90 days; $10,000+ earns the $500 tier.
  3. 3Keep the new account open and in good standing through bonus payment.
Things to know

Monthly fee waiver rules depend on account type; keep account open and in good standing through payment.

KeyBank

Key Select Checking

Net value
$500
No estimated cash drag
Official terms
Expires
Dec. 11, 2026
Bonus
$500
Cash hold
None
Cash drag
$0
Direct deposit

$5,000 within 90 days

How to earn it
  1. 1Open Key Select Checking by Dec. 11, 2026 with offer code KDMB0526 and a $50 minimum opening deposit.
  2. 2Receive $5,000+ in eligible ACH direct deposits within 90 days of account opening.
  3. 3Not available if you were a primary owner of a KeyBank personal checking account in the last 12 months.
Things to know

$25 fee after first 3 months unless waived; geographic restrictions apply.

U.S. Bank

Smartly Checking

Net value
$450
No estimated cash drag
Official terms
Expires
Jun. 18, 2026
Bonus
$450
Cash hold
None
Cash drag
$0
Direct deposit

$8,000 within 90 days

How to earn it
  1. 1Apply by Jun. 18, 2026 and fund at least $25 within 60 days of account opening.
  2. 2Enroll in online or mobile banking within 90 days.
  3. 3Complete two or more direct deposits totaling $8,000+ within 90 days for the $450 tier.
Things to know

$12 fee after first 2 statement periods unless waived; existing/recent U.S. Bank checking customers are excluded.

BMO

Checking

Net value
$400
No estimated cash drag
Official terms
Expires
Sep. 8, 2026
Bonus
$400
Cash hold
None
Cash drag
$0
Direct deposit

$4,000 within 90 days

How to earn it
  1. 1Open an eligible BMO checking account with the promo code by Sep. 8, 2026.
  2. 2Receive cumulative qualifying direct deposits of $4,000+ within 90 days of account opening.
  3. 3Existing BMO personal checking clients and those who closed one in the past 12 months are excluded.
Things to know

Existing BMO checking clients and those closed in the past 12 months are excluded.

E*TRADE

Premium Savings

Net value
$400
No estimated cash drag
Official terms
Expires
Sep. 30, 2026
Bonus
$400
Cash hold
$20,000
75 days
Cash drag
$0
Direct deposit

No direct deposit required

How to earn it
  1. 1Open a new Premium Savings account by Sep. 30, 2026 using promo code SAVING26.
  2. 2Deposit $20,000+ in qualifying new money within the first 30 days of account opening.
  3. 3Maintain the required balance for 45 additional days after the 30-day funding period ends.
Things to know

Requires promo code SAVING26; existing Premium Savings accounts are ineligible for this promo.

PNC

Virtual Wallet with Performance Select

Net value
$400
No estimated cash drag
Official terms
Expires
Aug. 31, 2026
Bonus
$400
Cash hold
None
Cash drag
$0
Direct deposit

$5,000 within 60 days

How to earn it
  1. 1Open Virtual Wallet with Performance Select online or in a branch during the offer window.
  2. 2Receive $5,000+ in qualifying direct deposits to the Spend account within 60 days.
  3. 3Existing PNC checking customers and recent PNC checking bonus recipients are excluded.
Things to know

Existing/recent PNC checking signers and recent PNC bonus recipients are excluded.

SoFi

Checking and Savings

Net value
$400
No estimated cash drag
Official terms
Expires
Dec. 31, 2026
Bonus
$400
Cash hold
None
Cash drag
$0
Direct deposit

$5,000 within 25 days

How to earn it
  1. 1First eligible direct deposit must be received by Dec. 31, 2026.
  2. 2SoFi totals eligible direct deposits over the next 25 calendar days; $5,000+ earns $400.
  3. 3Available only once per SoFi member; joint accounts count direct deposit activity for the primary owner.
Things to know

Short direct deposit timing window is the main risk; bonus is once per SoFi member.

Wells Fargo

Everyday Checking

Net value
$400
No estimated cash drag
Official terms
Expires
Jul. 7, 2026
Bonus
$400
Cash hold
None
Cash drag
$0
Direct deposit

$1,000 within 90 days

How to earn it
  1. 1Open a new eligible consumer checking account with the bonus code by Jul. 7, 2026.
  2. 2Receive $1,000+ in qualifying electronic deposits within 90 days of account opening.
  3. 3Not available if you received a Wells Fargo consumer checking bonus in the past 12 months.
Things to know

$15 monthly fee unless waived; recent Wells Fargo checking bonus recipients are excluded.

Chime

Checking

Net value
$350
No estimated cash drag
Official terms
Expires
Current public page
Bonus
$350
Cash hold
None
Cash drag
$0
Direct deposit

$200 within 90 days

How to earn it
  1. 1Open a new Chime Checking account through the offer page.
  2. 2Earn $100 with a $200+ qualifying direct deposit in the first 30 days.
  3. 3Earn the remaining $250 only by repeating $200+ qualifying direct deposits in the next two calendar months.
Things to know

No monthly fee, but recurring direct deposit tracking

FourLeaf FCU

Free Checking

Net value
$350
No estimated cash drag
Official terms
Expires
Dec. 31, 2026
Bonus
$350
Cash hold
None
Cash drag
$0
Direct deposit

$500 within 90 days

How to earn it
  1. 1Open a Free, Smart, or Student Checking account by Dec. 31, 2026.
  2. 2Receive a recurring qualifying direct deposit of $500+ within 90 days for the first $350 payout.
  3. 3Additional $100 payouts require qualifying direct deposits for 12 and 24 consecutive months.
Things to know

Existing primary checking owners and prior checking-bonus recipients are excluded.

Citi

Regular Checking

Net value
$325
No estimated cash drag
Official terms
Expires
Oct. 26, 2026
Bonus
$325
Cash hold
None
Cash drag
$0
Direct deposit

$3,000 within 90 days

How to earn it
  1. 1Enroll in the offer while applying and open a new Regular Checking account by Oct. 26, 2026.
  2. 2Complete at least two Enhanced Direct Deposits within 90 days of account opening.
  3. 3Enhanced Direct Deposits must total $3,000+ in Available Now funds within 90 days.
Things to know

Monthly fee can be waived with $250+ Enhanced Direct Deposits

American Express

Rewards Checking

Net value
$300
No estimated cash drag
Official terms
Expires
Jul. 30, 2026
Bonus
$300
Cash hold
None
Cash drag
$0
Direct deposit

$7,500 within 90 days

How to earn it
  1. 1Open your first American Express Rewards Checking account by Jul. 30, 2026.
  2. 2Receive $7,500+ in qualifying direct deposits within 90 days of account opening.
  3. 3Applicants generally need an eligible Amex consumer card, HYSA, or CD relationship with at least 5 days tenure.
Things to know

Requires existing eligible Amex relationship to apply

PSECU

Checking

Net value
$300
No estimated cash drag
Official terms
Expires
Dec. 31, 2026
Bonus
$300
Cash hold
None
Cash drag
$0
Direct deposit

$1,000 within 100 days

How to earn it
  1. 1Start membership by Dec. 31, 2026 with promo code 2026BRANCH.
  2. 2Open at least one savings and one checking account; the $5 share deposit is required.
  3. 3Receive two qualifying payroll direct deposits of $500+ within 100 days of membership.
Things to know

Credit-union membership friction

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