Highest Bank Account Bonuses

Looking to maximize your bank bonus earnings? Here are the highest bank account bonuses available right now, ranked by bonus amount. Some require higher deposits or more direct deposits, but the payouts are worth it.

3
$500+ Bonuses
15
$300-$499 Bonuses
10
$200-$299 Bonuses

$500+ Bonuses

The biggest bonuses available. Usually require higher deposits or balances.

H

HSBC

HSBC Premier Checking

$600
Checking
💵$5,000+ direct deposit (3x)
📋$50/mo fee (waivable)
Hard Pull
Expires May 31
A

Axos Bank

Axos Rewards Checking

$500
Checking
💵$3,000+ direct deposit (2x)
✓No monthly fee
Expires Mar 31
B

BMO

BMO Smart Advantage Checking

$500
Checking
💵$7,500+ direct deposit
📋$15/mo fee (waivable)
ChexSensitive
Expires Jun 30

$300-$499 Bonuses

Great bonuses with moderate requirements. Good balance of effort vs. reward.

C

Citibank

Citi Priority Account

$400
Checking
💰$50,000 deposit for 60 days
📋$30/mo fee (waivable)
Expires Mar 31
U

U.S. Bank

U.S. Bank Smartly Checking

$400
Checking
💵$6,000+ direct deposit (2x)
📋$6.95/mo fee (waivable)
ChexSensitive
Expires Mar 31
P

PNC Bank

PNC Virtual Wallet

$400
Checking
💵$5,000+ direct deposit
📋$7/mo fee (waivable)
ChexSensitive
Expires May 6
T

Truist

Truist One Checking

$400
Checking
💵$1,000+ direct deposit (2x)
📋$12/mo fee (waivable)
ChexSensitive
Expires Apr 30
R

Regions Bank

Regions LifeGreen Checking

$400
Checking
💵$1,000+ direct deposit
📋$8/mo fee (waivable)
ChexSensitiveRegional
Expires May 15
B

BMO

BMO Alto Online Savings

$350
Savings
💰$25,000 deposit for 90 days
✓No monthly fee
Expires Jun 30
W

Wells Fargo

Wells Fargo Everyday Checking

$325
Checking
💵$1,000+ direct deposit (3x)
📋$10/mo fee (waivable)
ChexSensitive
Expires Mar 26
C

Chase

Chase Total Checking

$300
Checking
💵$500+ direct deposit
📋$12/mo fee (waivable)
ChexSensitive
Expires Apr 16
S

SoFi

SoFi Checking & Savings

$300
Checking
💵$5,000+ direct deposit
✓No monthly fee
T

TD Bank

TD Beyond Checking

$300
Checking
💵$2,500+ direct deposit
📋$25/mo fee (waivable)
ChexSensitiveRegional
Expires Apr 30
C

Citizens Bank

Citizens One Deposit

$300
Checking
💵$500+ direct deposit
✓No monthly fee
ChexSensitiveRegional
Expires Apr 15
F

Fifth Third Bank

Fifth Third Momentum Checking

$300
Checking
💵$500+ direct deposit (3x)
✓No monthly fee
ChexSensitiveRegional
Expires Mar 31
H

Huntington Bank

Huntington Unlimited Plus Business

$300
Checking
💰$1,000 deposit
✓No monthly fee
ChexSensitiveRegional
Expires May 31
K

KeyBank

KeyBank Key Smart Checking

$300
Checking
💵$500+ direct deposit
✓No monthly fee
ChexSensitiveRegional
Expires Apr 30
A

American Express

American Express High Yield Savings

$300
Savings
💰$25,000 deposit for 90 days
✓No monthly fee

$200-$299 Bonuses

Solid bonuses with easier requirements. Great for beginners.

C

Capital One

360 Checking

$250
Checking
💵$250+ direct deposit (2x)
✓No monthly fee
A

Ally Bank

Ally Interest Checking

$250
Checking
💵$1,500+ direct deposit
✓No monthly fee
U

U.S. Bank

U.S. Bank Elite Money Market

$250
Savings
💰$25,000 deposit for 90 days
📋$10/mo fee (waivable)
Expires Mar 31
C

Chase

Chase Savings

$200
Savings
💰$15,000 deposit for 90 days
📋$5/mo fee (waivable)
ChexSensitive
Expires Apr 16
C

Citibank

Citi Accelerate Savings

$200
Savings
💰$20,000 deposit for 60 days
✓No monthly fee
Expires Mar 31
C

Capital One

360 Performance Savings

$200
Savings
💰$10,000 deposit for 90 days
✓No monthly fee
D

Discover Bank

Discover Online Savings

$200
Savings
💰$15,000 deposit for 30 days
✓No monthly fee
B

Bank of America

Bank of America Advantage Plus

$200
Checking
💵$2,000+ direct deposit (2x)
📋$12/mo fee (waivable)
ChexSensitive
D

Discover Bank

Discover Cashback Debit

$200
Checking
💵$1,000+ direct deposit
✓No monthly fee
P

PNC Bank

PNC High Yield Savings

$200
Savings
💰$10,000 deposit for 60 days
✓No monthly fee
Expires May 6

Maximizing Your Bonus Earnings

Do This

  • ✓Stack bonuses from different banks
  • ✓Combine checking + savings at same bank
  • ✓Split direct deposits across multiple accounts
  • ✓Use a spreadsheet to track requirements

Avoid This

  • ✗Opening too many accounts too quickly
  • ✗Closing accounts before the required period
  • ✗Missing direct deposit deadlines
  • ✗Forgetting bonuses are taxable income