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Best Bank Bonuses and Promotions of July 2026 up to $3,000

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. 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. Neither TD Bank US Holding Company, nor its subsidiaries or affiliates, is responsible for the content of the third-party sites hyperlinked from this page, nor do they guarantee or endorse the information, recommendations, products or services offered on third party sites. Your eligible personal deposit account must be active and enabled for ACH transactions and Online Banking transfers.
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. We encourage you to make an appointment if you would like to open an account in a branch. In-branch openings allow for face-to-face interactions that might be helpful if you prefer discussing financial matters in person or have questions about this checking bonus promotion.

• Rewards are paid after each Eligibility Period ends, provided all requirements for that Eligibility Period were met.
• You must receive a total of $1,000 or more in qualifying electronic deposits to your account within 90 calendar days of account opening.
• Open an account, make payments, view recent transactions and more — all on the go.
• That may be a high APY, a large network of branches or ATMs, or low or no fees.
• Your eligible personal deposit account must be active and enabled for ACH transactions and Online Banking transfers.
• There is no minimum Eligible Direct Deposit amount required to qualify for the 3.30% APY for savings (including Vaults).

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. Upon the primary account holder’s 24th birthday the account will be subject to the monthly maintenance fee unless account requirements that waive the monthly maintenance fee are met. 8TD Complete Checking monthly maintenance fee waived if the Primary account holder is 17 through 23 years of age.
Earn $50 or $400 when you sign up and set up eligible direct deposit after opening a new SoFi online bank account. To earn the bonus, you must make direct deposits totaling $500 or more within 90 days of account opening. Rewards will be transferred to your Account within ten (10) calendar days after the conclusion of the respective Eligibility Period («Payout Window»). Rewards are paid after each Eligibility Period ends, provided all requirements for that Eligibility Period were met. 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.

Experience convenience with the Ally app.

You won’t be held responsible for promptly reported unauthorized transactions, subject to certain conditions. The actions required for this bonus are separate from the actions available to avoid the monthly service fee. 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.

• We identified the 10 best checking accounts that are free to open and maintain.
• Around 100 financial institutions surveyed by our team of experts.
• Neither TD Bank US Holding Company, nor its subsidiaries or affiliates, is responsible for the content of the third-party sites hyperlinked from this page, nor do they guarantee or endorse the information, recommendations, products or services offered on third party sites.
• Once the required activities are completed, you’ll receive your new checking account bonus within 15 days.
• Earn $50 or $400 when you sign up and set up eligible direct deposit after opening a new SoFi online bank account.
• The actions required for this bonus are separate from the actions available to avoid the monthly service fee.

Bank of America Checking Accounts: Up to $500 bonus

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. U.S. Bank has historically offered a $450 checking bonus for opening a new account. Banks that offer a checking account bonus to new account holders include Bank of America, BMO, Capital One, Chase, Chime (a nonbank), Citibank, KeyBank, PNC Bank, SoFi Bank, N.A., TD Bank, U.S. Bank and Wells Fargo. Keep reading to find out answers to commonly asked questions about checking account bonuses and other bank promotions. That’s because we curate a list that’s limited to what our experts think are the very best options for our readers. Check out NerdWallet’s picks for the best savings accounts
The number of checking and/or savings accounts you should have will depend on a few factors. That includes what fees might be incurred and how long you might have to wait for the bonus to be paid. That may be a high APY, a large network of branches or ATMs, or low or no fees. Around 100 financial institutions surveyed by our team of experts. ON THIS PAGEMore information about bank bonuses, checking account bonuses, and savings account bonuses Bonus$50 or $400Earn $50 or $400 with eligible direct deposit.
7Customers with a TD Complete Checking crazytower account are eligible for a monthly maintenance fee waiver on one personal savings account that you choose to link to your TD Complete Checking account. Maintain the required balance of at least $10,000 for 90 additional days from the 20th day after account opening.

Simply bring it to your local branch, and one of our bankers will be happy to help you get started. Deposit products are offered by Ally Bank, Member FDIC. ACH transfers from an account you have at another financial institution or internal transfers from another Ally Bank account are not considered a QDD. One bonus per customer and only one bonus paid per account.

If you open in a branch using your offer code, you may open any eligible consumer checking account. Make $1,000 or more in qualifying direct deposits within the first 90 days of offer enrollment. $25 minimum opening deposit if opening in branch. For example, preauthorized transactions and other transactions may post to your Account even when the balance in your Account is not sufficient to pay the transaction. We may decline or return transactions that would result in an overdraft. 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.
You can always call your bank or read your account’s terms and conditions to learn more about your bonus and when you can expect a payout. However, to discourage new customers from signing up for an account just to collect a bonus and then closing it, there may be penalties for closing your account within a certain number of days or months after receiving a bonus payout. New checking account customers can qualify for a bonus of $325 by opening a new Everyday Checking account online or in a branch with a minimum opening deposit of $25. There is no minimum Eligible Direct Deposit amount required to qualify for the 3.30% APY for savings (including Vaults). SoFi Checking and Savings is offered through SoFi Bank, N.A., Member FDIC.