15 best new bank account promotions and bonuses for July 2026: Earn up to $3,000
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.
Your eligible personal deposit account must be active and enabled for ACH transactions and Online Banking transfers. 8TD Complete Checking monthly maintenance fee waived if the Primary account holder is 17 through 23 years of age. 7Customers with a TD Complete Checking 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. Person-to-Person and bank transfers between your TD Bank accounts or accounts you have at other financial institutions or brokerages are not considered a direct deposit.
We’ve rounded up additional excellent checking account bonuses and savings account promotions below. In 2026, checking account bonus offers could land you between $100 and $3,000. Tony began his NerdWallet career as a writer and worked his way up to editor and then to head of content on the banking team. She previously edited content on personal finance topics at GOBankingRates. Ruth Sarreal is an editor and content strategist covering consumer banking topics at NerdWallet. We’re here to help with flexible savings and investing options to keep your cash working while you focus on your business.
Best checking account bonus offers
Each provider is evaluated across five weighted categories and 30 subcategories, including checking and savings accounts, certificates of deposit, customer experience, and overdraft services. We rated them on criteria including annual percentage yields, minimum balances, fees, digital experience and more. 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.
Best bank bonuses for checking and savings
$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.
- Rewards are paid after each Eligibility Period ends, provided all requirements for that Eligibility Period were met.
- 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.
- Earn interest, enjoy relationship pricing, get unlimited reimbursements on any ATM in the U.S and options to waive the monthly service charge.
- ACH transfers from an account you have at another financial institution or internal transfers from another Ally Bank account are not considered a QDD.
- Chase checking accounts also include FDIC insurance up to the maximum amount allowed by law.
- It’s important to understand the full details before signing up for a new account to earn a bank bonus.
Our Chase Total Checking account is loaded with features for everyday needs
- Bonus$50 or $400 Earn $50 or $400 with eligible direct deposit.
- Once these qualifications are met, your bonus will be deposited into your new checking account within 30 days.
- The Fed also lowered the rate three times in late 2024 after increasing the rate four times in 2023 and seven times in 2022.
- Banner Bank will monitor the balances maintained in your account during the qualification period to determine bonus amount paid, if applicable.
- 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.
- The $250 bonus is deposited within 30 days after all requirements are met.
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. Read your account’s terms and conditions to learn more about how closing your account will impact your bonus and when you may be able to do so without being penalized. Your account must remain open in order for you to receive the reward, which will be credited to the eligible account within 60 to 90 days after all conditions have been met. Rewards are paid after each Eligibility Period ends, provided all requirements for that Eligibility Period were met.
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.
Maintain the required balance of at least $10,000 for 90 additional days from the 20th day after account opening.
Free Overdraft Protection Transfers⁵
The $250 bonus is deposited within 30 days after all requirements are met. 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. BMO Bank is currently offering a new account bonus on its Smart Advantage and Smart Money checking accounts. Once you’ve met the requirements, your bonus will be deposited within 90 days. New checking customers can earn up to $500 by opening a new eligible checking account, then setting up and receiving qualifying direct deposits into the new account within 90 days of account opening.
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. 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. Open a no monthly maintenance fee Access Checking account, or view our other checking account options.
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 betmica 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.