In this article, I will discuss the Best Bank Sign-up Bonuses. The opportunities provided by these sign-up bonuses are an amazing way to earn money by only opening new checking or savings accounts.
Knowing what banks offer the easiest-to-qualify-for personal and business bonuses can help you leverage the most value from these bonuses right off the bat.
Key Point & Best Bank Sign-up Bonuses List
| Account | Key Point |
|---|---|
| Chase Total Checking | Popular nationwide bank, extensive branch & ATM network, monthly fee with waivers |
| SoFi Checking/Savings | No fees, high APY, integrated with SoFi financial ecosystem |
| Huntington Bank Perks Checking | Rewards on debit card purchases, fee waivers with qualifying activities |
| Truist One Checking | No monthly fee with minimum balance or direct deposit, digital banking features |
| Wells Fargo Everyday Checking | Large branch network, customizable alerts, fee waivers with qualifying activities |
| PNC Virtual Wallet with Performance Select | Combines checking and savings with budgeting tools, higher interest with select tier |
| TD Bank Beyond Checking | Mobile banking focus, fee waivers with direct deposit or minimum balance |
| Citizens Checking Account | Cashback rewards, flexible account options, overdraft protection |
| Chase Business Complete Checking | Designed for small business, includes merchant services, fee waivers with balance or deposits |
| U.S. Bank Business Essentials Checking | Tailored for small business, low fees with activity, online & mobile business banking |
1.Chase Total Checking
Chase Total Checking distinguishes itself as one of the top flags offering sign-up bonuses due to the generous and readily available perks new customers get.
Unlike most accounts, Chase tends to grant considerable cash bonuses whenever one opens an account and fulfills basic requirements such as direct deposits.
What sets this bonus program apart is the combination of an extensive network presence, advanced digital features, and reliable and responsive banking services. This makes it not only a bonus program but also a useful opportunity for everyday banking activities.
Features
- Up to $300 Bonus with direct deposits for new accounts.
- Low opening deposit of $25.
- Comprehensive mobile app and numerous branches offer access across the country.
2.SoFi Checking/Savings
SoFi Checking & Savings has a new form of enrichment that is different from other financial institutions. New users can now earn a bonus worth $300 by completing necessary direct deposits within 25 days from the date of account signing up.
The bonus payment system is simple with two clear options: receive $50 for direct deposits between $1,000 to $4,999.99. The other payment option which has a greater incentive is $300 for $5,000 or more.
Those with a larger income will appreciate the bonus structure due to the fact that it rewards greater amounts. Lastly, there are no fees for SoFi combined checking and sofi savings accounts and they offer competitive interest rates as well as access to more than 55,000 ATMs.
Features
- Up to $300 Bonus for new accounts with direct deposit.
- No monthly fees or minimum balances.
- Free international ATM access, coupled with high-interest savings, offers considerable benefits.
3.Huntington Bank Perks Checking
Huntington Bank’s Perks Checking account has one of the best sign-up bonuses available in the market which makes it attractive for new customers.
Customers can earn a cash bonus of \$400 simply by opening a Perks Checking Account and receiving a qualifying direct deposit within 90 days. A significant feature of this bonus is that it’s available with any amount of direct deposit, meaning no large transfers are necessary.
Additionally, the account comes with free credit score monitoring, interest-bearing deposits, tools to avoid overdraft fees, and several other features which further increase the value of the account.
Features
- $400 Bonus with any amount of direct deposit — no big minimum.
- Credit score monitoring provided at no extra cost.
- Overdraft avoidance tools will enhance overall account management.
4.Truist One Checking
For customers looking for easy rewards, the Truist One Checking account is an excellent option due to its $400 bonus for signing up. Users can open a new account online with the promo code AFL2425TR1400 and receive at least two direct deposits of $1,000 or more within 120 days.
This promotion is valid until April 30, 2025, for select states in the United States. Customers will also appreciate the lack of excessive transaction requirements, high minimum balances, and burdensome lower balance maintenance restrictions.
Furthermore, Truist One Checking has other features including no overdraft fees and automatic upgrades to higher benefit levels which are capped in relation to the combined account balances, ensuring the account’s long-term value.
Features
- Simple qualifying deposits earn $400 bonus.
- Day-to-day transactions incur no overdraft fees.
- Incremental balance-based upgrades happen automatically to more advantageous features.
5.Wells Fargo Everyday Checking
New customers stand to gain from Wells Fargo’s Everyday Checking offering which comes with a notable $400 bonus. Opening the account comes with a ease of minimum deposit of $25 as well as receiving qualifying direct deposits of $3,000 within 90 days.
With this simple requirement Wells Fargo is able to maintain a physical branch everywhere in the United States as well as providing good online banking services, the value of this promotion greatly increases. Separate from the bonus, the bank also allows for mobile banking and offers early direct deposit.
Features
- Qualifying Monthly Deposits Of 3,000+Gains3,000+Gains400 Bonus.
- Get Paychecks Early Boosted By Direct Deposit Features.
- Utilize One Of The Largest Bank Networks Branches Available To Customers In Store.
6.PNC Virtual Wallet With Performance Select Checking/Savings
PNC’s Virtual Wallet with Performance Select is an exceptional offer for new customers because of its sign-up bonus of $400. To receive the bonus, all that is required is opening a new account and receiving $5,000 or more in qualifying direct deposits within 60 days.
This is a fairly easy requirement that, combined with having physical locations across the country and strong digital banking services, makes the offer hard to ignore.
Also, the account comes with several other features such as direct deposits a week early and a mobile app which greatly enhances the user’s banking experience.
Features
- Bonus Of $400 On Direct Deposits of $5,000+ Within 60 Days.
- Digital tools to manage spending and budgets more financially.
- Early paycheck access and banking on mobile.
7.TD Bank Beyond Checking
TD Bank Beyond Checking comes with a $300 signup bonus for new customers if they open an account and have at least $2,500 in qualifying direct deposits made into their accounts within 60 days. Meeting this requirement is simple and easy.
Coupled with a national footprint and advanced online banking options, this promotion is even more valuable. Furthermore, the account offers added benefits such as Mobile App enabled early direct deposits, making banking more convenient. The bonus is paid within 180 days after the stipulated requirements are fulfilled.
Features
- 300 dollar bonus feedback for receiving over $2,500 in deposits within 60 days.
- No monthly maintenance fees for seniors and those who meet direct deposit criteria.
- Over the weekend customer service offered during previously listed weekdays.
8.Citizens Checking Account
Citizens Bank is offering a standout sign-up bonus of up to $400 which makes it a strong option for new users. As a personal checking account holder, you need to receive a direct deposit of at least $1,000 within 60 days to unlock the bonus.
Furthermore, there’s an additional $100 to be earned if a new personal savings account is opened on the same day and has a minimum balance of $100 monthly for three consecutive months.
This bonus via tier system is flexible and encourages consistent banking. Earning both checking and savings bonuses at the same time adds to the generous total of $400 dollars offered.
The uncomplicated terms make this promotion truly unique until July 3rd, 2025 for customers in Connecticut, Delaware, Massachusetts, Michigan, New Hampshire, New Jersey, New York, Ohio, Pennsylvania, Rhode Island, Vermont, Virginia, Washington D.C. and Florida.
Features
- Up to 400 dollars bonus through checking and saving accounts.
- Bonus is eligible with a mere 1,000 dollar deposit in checking.
- Multi-account opening provides the customer a tiered bonus.
9.Chase Business Complete Checking
The Chase Business Complete Checking comes with a sign-up bonus of $500 which is very enticing for new business customers. As to why new business customers would be interested, all they have to do is open a new account by July 17, 2025, and deposit at least $2000 in new funds within 30 days.
They must keep the balance for 60 days, and during that time, complete five qualifying transactions which can include debit card purchases, ACH credits, or bill payments within 90 days. The amount is credited within 15 days after all requirements are met.
This offer is unique because it has very simple qualifying requirements and a wide array of business activities to choose from for the qualifying transactions. In addition, the account offers features like free cash deposits of up to $5,000 per statement cycle and access to Chase branches and ATMs, which are useful for small business owners.
Features
- Business accounts with 2,000 dollar deposit are eligible for up 500 dollar bonus.
- 5,000 dollar cash deposit limit in a cycle with no fees.
- Purchases made using debit cards and ACH credits plus bill payments.
10.U.S. Bank Business Essentials Checking
U.S. Bank has a Business Essentials Checking account which gives out a compelling $500 sign-up bonus which makes them standout for new business customers. To qualify for the bonus, a new account must be opened before June 30 2025, and at minimum, $5,000 in new money must be deposited within the first 30 days.
This amount must be kept for 60 days while five qualifying transactions (debit card purchases, ACH credits, or bill payments) are done within the 60-day window. The bonus is paid out in the 30 days after the last day in the month where all requirements are met.
The offer is great for businesses looking for uncomplex guidelines and high rewards. Also, the offer enhances candidacy for small business owners with free mobile check deposits and a free mobile card reader. On the downside, U.S. Bank provides services in specific states, so access may be limited based on your area.
Features
- Unlock bonus with a 500 dollar deposit, 5 qualifying actions and a $5,000 deposit.
- I’ll get: free mobile check deposits, and a mobile card reader.
- Bonus terms catered towards small business owners.
Conclusion
Ultimately, the most advantageous bank sign-up offers feature a high amount of cash rewards as well as simple steps to qualify for the bonus, ensuring customers receive easy value.
These bonuses can be found with numerous accounts such as SoFi’s high-yield no-fee account and Chase Total Checking which is known for its unparalleled access and usage, or even niche business accounts such as Chase Business Complete Checking.
Importantly, all these accounts come with powerful advantages that far surpass the bonuses offered at first. You can take full advantage of the bonuses and also derive sustained value by selecting accounts that align with your banking preferences and lifestyle.
