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Best Bank Account Bonuses

Offer terms reviewed

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 3.63% as of Aug 28, 2026.

Compare active offers before reading the full requirements
OfferBonusCash holdEstimated net
Capital OneExceeds entered cash or deposit capacity$1,500$100,000$1,319
Chase$900$15,000$766
First Horizon$700$3,000$664
Bank of America$500$0$500
KeyBank$500$0$500
Wells Fargo$500$0$500
E*TRADEExceeds entered cash or deposit capacity$400$20,000$400
SoFi$400$0$400
Chime$350$0$350
FourLeaf FCU$350$0$350
Citi$325$0$325
Percapita$300$0$300
PSECU$300$0$300
CitiExceeds entered cash or deposit capacity$1,500$200,000-$290
ChaseExceeds entered cash or deposit capacity$1,000$150,000-$339

Offers

Requires more cash than entered

Capital One

360 Performance Savings

Net value
$1,319
Net of $181 cash drag
Official terms
Expires
No listed end date
Bonus
$1,500
Cash hold
$100,000
105 days
Cash drag
$181
Direct deposit

No direct deposit required

Requirements and fees for 360 Performance Savings
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
$766
Net of $134 cash drag
Official terms
Expires
Oct. 14, 2026
Bonus
$900
Cash hold
$15,000
90 days
Cash drag
$134
Direct deposit

One qualifying checking direct deposit within 90 days

Requirements and fees for Total Checking + Savings
How to earn it
  1. 1Open Chase Total Checking and Chase Savings at the same time with the offer code by Oct. 14, 2026.
  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.

First Horizon

FirstView Checking + Traditional Savings

Net value
$664
Net of $36 cash drag
Official terms
Expires
Sep. 25, 2026
Bonus
$700
Cash hold
$3,000
120 days
Cash drag
$36
Direct deposit

$2,000 within 90 days

Requirements and fees for FirstView Checking + Traditional Savings
How to earn it
  1. 1Open FirstView Checking by 9 p.m. ET on Sep. 25, 2026 and receive $2,000+ in qualifying direct deposits within 90 days.
  2. 2Open Traditional Savings on the same business day, deposit $3,000+ in external new money within 30 days, and maintain at least $3,000 for 90 days from deposit.
  3. 3Applicant must not have had a First Horizon consumer checking account in the prior 24 months.
  4. 4Keep checking open for at least 90 days and both accounts open, active, and in good standing through payment.
Things to know

$0 checking service charge with eStatements; offer requires residence in a state with a First Horizon banking center.

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

Requirements and fees for Advantage Plus / Relationship
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

Requirements and fees for Key Select Checking
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.

Wells Fargo

Everyday Checking

Net value
$500
No estimated cash drag
Official terms
Expires
Oct. 6, 2026
Bonus
$500
Cash hold
None
Cash drag
$0
Direct deposit

$1,000 within 90 days

Requirements and fees for Everyday Checking
How to earn it
  1. 1Open a new eligible consumer checking account with the bonus code by Oct. 6, 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.

Requires more cash than entered

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

Requirements and fees for Premium Savings
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.

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

Requirements and fees for Checking and Savings
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.

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

$500 within 34 days

Requirements and fees for Checking
How to earn it
  1. 1Open a new Chime Checking account through the offer page.
  2. 2Receive a qualifying direct deposit of $500+ within the first 34 days to earn the $200 cash bonus.
  3. 3With a $500+ qualifying direct deposit, earn 10% cash back on eligible Chime card purchases for the first 3 months, capped at $50 per month.
Things to know

No monthly fee; the final $150 depends on eligible Chime card purchases.

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

Requirements and fees for Free Checking
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

Requirements and fees for Regular Checking
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

Percapita

Cash Account

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

No direct deposit required

Requirements and fees for Cash Account
How to earn it
  1. 1Be among the first 7,000 new customers to open a Percapita Cash Account by Dec. 31, 2026.
  2. 2Make $300+ in eligible Percapita Visa debit-card purchases during each qualifying calendar month.
  3. 3Keep the account open, active, and above a $0 balance throughout each qualifying month.
Things to know

Requires $300+ in eligible debit-card purchases each month; cash withdrawals, cash equivalents, and money movement do not count.

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

Requirements and fees for Checking
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

Requires more cash than entered

Citi

High-Balance Checking Offer

Net value
-$290
Net of $1,790 cash drag
Official terms
Expires
Oct. 26, 2026
Bonus
$1,500
Cash hold
$200,000
90 days
Cash drag
$1,790
Direct deposit

No direct deposit required

Requirements and fees for High-Balance Checking Offer
How to earn it
  1. 1Open an eligible Citi checking account from the high-balance offer page.
  2. 2Deposit $200,000 in New-to-Citibank funds within 45 calendar days.
  3. 3Maintain $200,000 for the next 45 calendar days to earn the $1,500 tier.
Things to know

High cash requirement; no Citi checking ownership in the last 365 days.

Requires more cash than entered

Chase

Private Client Checking

Net value
-$339
Net of $1,339 cash drag
Official terms
Expires
Oct. 14, 2026
Bonus
$1,000
Cash hold
$150,000
90 days
Cash drag
$1,339
Direct deposit

No direct deposit required

Requirements and fees for Private Client Checking
How to earn it
  1. 1Request a personalized offer code and meet with a Private Client Banker to open or upgrade by Oct. 14, 2026.
  2. 2Transfer $150,000+ in qualifying new money or eligible securities within 45 days of enrollment.
  3. 3Maintain at least $150,000 in eligible accounts for 90 days from offer enrollment.
Things to know

$35 monthly fee unless waived with a $150,000+ qualifying linked balance.