Best Bank Bonuses and Promotions of July 2026 up to $3,000
Note that bonus details are accurate as of the publication date. Find out which banks are currently offering the best new account promotions and bonuses, and learn how to qualify. Premium Savings Account offered by Morgan Stanley Private Bank, National Association, Member FDIC. (When the primary account owner reaches the age of 25, age can no longer be used to avoid the monthly service fee.) $5,000 or more in qualifying deposit balances, investment balances, or both. You won’t be held responsible for promptly reported unauthorized card transactions, subject to certain conditions.
Maintain the required balance of at least $10,000 betmica for 90 additional days from the 20th day after account opening.
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®)
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.
Frequently asked questions about bank promotions and sign-up bonuses
- 4TD Beyond Checking accounts are eligible for monthly maintenance fee waivers on all personal savings accounts that you choose to link to your TD Beyond Checking account.
- If you are subject to backup withholding at the time of payment, we may withhold the required amount and remit to tax authorities.
- BMO Bank is currently offering a new account bonus on its Smart Advantage and Smart Money checking accounts.
- We rated them on criteria including annual percentage yields, minimum balances, fees, digital experience and more.
- The actions required for this bonus are separate from the actions available to avoid the monthly service fee.
- Your eligible personal deposit account must be active and enabled for ACH transactions and Online Banking transfers.
- Keep reading to find out answers to commonly asked questions about checking account bonuses and other bank promotions.
Once the required activities are completed, you’ll receive your new checking account bonus within 15 days. If these qualifications are met, your bonus will be paid to your account within 120 days from account opening. See Wells Fargo’s Online Access Agreement and your applicable business account fee disclosures for other terms, conditions, and limitations.←back to content
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.
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.
Frequently asked questions
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.
- OR $25+ in total Autosave or other repeating automatic transfers from your personal Chase checking account (available only through chase.com or Chase Mobile®)
- There is no minimum Eligible Direct Deposit amount required to qualify for the 3.30% APY for savings (including Vaults).
- Once the required activities are completed, you’ll receive your new checking account bonus within 15 days.
- To qualify for the personal checking offer, you must not already have a personal checking account with Banner Bank.
- 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.
- 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.
- Receive a $250 or $500 bonus for each new personal account—or up to $1,000 when you open checking and savings accounts.
Open a new personal checking and savings account, earn up to $1,000.
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.
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.
Citibank Checking Accounts: $325 bonus
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.