15 best new bank account promotions and bonuses for July 2026: Earn up to $3,000
It's important to understand the full details before signing up for a new account to earn a bank bonus. The Fed also lowered the rate three times in late 2024 after increasing the rate four times in 2023 and seven times in 2022. The rate was lowered three times in 2025; the most recent change was made in December. ON THIS PAGEMore information about bank bonuses, checking account bonuses, and savings account bonuses Bonus$50 or $400 Earn $50 or $400 with eligible direct deposit. Check out the details on these offers to determine the best fit.
Banner Bank will monitor the balances maintained in your account during the qualification period to determine bonus amount paid, if applicable. For more details, check out our terms and conditions (PDF). Banking writers and editors use an objective methodology to rate banks, credit unions, and other providers, and to recommend the best products. The information related to Citi checking accounts and Wells Fargo Clear Access Banking has been collected by NerdWallet and has not been reviewed or provided by the issuers or providers of these products or betmica services.
Make $1,000 or more in qualifying direct deposits within the first 90 days of offer enrollment. Learn how to avoid the $15 monthly service fee OR $25+ in total Autosave or other repeating automatic transfers from your personal Chase checking account (available only through chase.com or Chase Mobile®)
- Find out which banks are currently offering the best new account promotions and bonuses, and learn how to qualify.
- 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.
- SoFi Checking and Savings is offered through SoFi Bank, N.A., Member FDIC.
- U.S. Bank has historically offered a $450 checking bonus for opening a new account.
- Check out NerdWallet's picks for the best savings accounts
- Once these requirements are met, you'll receive your bonus within 14 days.
If you’ve followed the eligibility requirements, your cash bonus will be paid into your Spending Account within 30 days after you reach the second consecutive monthly $1,000 QDD minimum. Set up qualifying direct deposits of at least $1,000 a month for two consecutive months. The most overdraft-friendly checking accounts tend to have no overdraft coverage fees, multiple ways to cover a negative balance (such as overdraft transfer from a linked savings account or line of credit), and low costs for those alternative overdraft programs. For providers without one or more types of accounts, the overall rating is modified to include only applicable categories.
Best bank bonuses for checking and savings
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 options and more. Hundreds of hometown locations in Illinois, Minnesota & Wisconsin.
Chase isn't responsible for (and doesn't provide) any products, services or content at this third-party site or app, except for products and services that explicitly carry the Chase name. Chase Total Checking® has a $15 monthly service fee, you can avoid the fee with direct deposits totaling $500 or more, or a minimum average daily balance each statement period. Chase checking accounts also include FDIC insurance up to the maximum amount allowed by law. 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. 11TD Bank Mobile Deposit is available to Customers with an active checking, savings or money market account and using a supported, internet-enabled iOS or Android device with a camera.
- If you’d like to open a new account, we’re here to help with current rates, term options and more.
- Each provider is evaluated across five weighted categories and 30 subcategories, including checking and savings accounts, certificates of deposit, customer experience, and overdraft services.
- Read the promotion details above to understand all the rules and requirements to earn the checking account bonus, including a super steep minimum transfer amount that may not be worthwhile.
- You must open a new, eligible checking account and make $1,000 or more in qualifying direct deposits within the first 90 days of offer enrollment.
- ON THIS PAGEMore information about bank bonuses, checking account bonuses, and savings account bonuses
Our Chase Total Checking account is loaded with features for everyday needs
If you are subject to backup withholding at the time of payment, we may withhold the required amount and remit to tax authorities. We will report the bonus as income to tax authorities, as required by applicable law. Once you have met all requirements, we will deposit the bonus into your new account within 30 calendar days. You must open a new, eligible checking account and make $1,000 or more in qualifying direct deposits within the first 90 days of offer enrollment.
You may also need to meet additional conditions, such as maintaining a minimum balance or setting up direct deposit. Once you've met the requirements to earn a new bank account offer, you'll receive your bonus in your account within a few days, in many cases. Once these qualifications are met, your bonus will be deposited into your new checking account within 30 days. Members without Eligible Direct Deposit will earn 1.00% APY on savings balances (including Vaults) and 0.50% APY on checking balances.
Best bank bonus for business checking
To qualify for the personal savings offer, you must not already have a personal savings or money market account with Banner Bank. To qualify for the personal checking offer, you must not already have a personal checking account with Banner Bank. Earn interest, enjoy relationship pricing, get unlimited reimbursements on any ATM in the U.S and options to waive the monthly service charge.
There is no minimum Eligible Direct Deposit amount required to qualify for the 3.30% APY for savings (including Vaults). SoFi members with Eligible Direct Deposit can earn 3.30% annual percentage yield (APY) on savings balances (including Vaults) and 0.50% APY on checking balances. 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. Once these requirements are met, you'll receive your bonus within 14 days.
Avoid the $15 monthly service fee with one of the following each fee period**
$10,000 relationship (receive $25 fee if below $10,000 threshold. See details.) With direct deposit of $500 (receive $9 fee if below $2,500 threshold. See details.) BONUS EARNED will be paid within 120 days from account opening If you're looking to open a high-yield savings account, SoFi and Amex both offer excellent options. Some of the banks currently offering checking account bonuses include SoFi, Chase, Citi, Bank of America, and TD Bank.