Bank Bonuses With No Monthly Fee

Why pay monthly fees when you can get paid instead? These banks offer sign-up bonuses with truly free accounts - no monthly fees, no minimum balance requirements, no hoops to jump through.

52
No-Fee Bonuses
$24,750
Total Available
37
Free Checking
15
Free Savings

Why No Monthly Fee Matters

$144/year

Average annual cost of a $12/month checking fee

$0

What you pay with these no-fee accounts

+$2,000

Plus you get a sign-up bonus

Free Checking Account Bonuses

C

Citibank

Citi checking

$2,000
Checking
✓No monthly fee
ChexSensitive
Expires May 10
C

Capital One

Capital One checking

$1,500
Checking
✓No monthly fee
ChexSensitive
Expires Apr 29
H

HSBC

HSBC checking

$1,500
Checking
✓No monthly fee
ChexSensitive
Expires Apr 29
M

Marcus by Goldman Sachs

Marcus checking

$1,500
Checking
✓No monthly fee
ChexSensitive
Expires May 10
C

Chase

Chase checking

$1,500
Checking
✓No monthly fee
ChexSensitive
Expires Apr 29
A

Ally Bank

Ally checking

$525
Checking
✓No monthly fee
ChexSensitive
Expires Apr 29
C

Chase

Chase checking

$500
Checking
✓No monthly fee
ChexSensitive
Expires Apr 29
K

KeyBank

KeyBank checking

$500
Checking
✓No monthly fee
ChexSensitive
Expires Apr 29
T

TD Bank

TD Bank checking

$500
Checking
✓No monthly fee
ChexSensitive
Expires Apr 29
A

Axos Bank

Axos Rewards Checking

$500
Checking
💵$3,000+ direct deposit (2x)
✓No monthly fee
Expires in 3 weeks
U

U.S. Bank

US Bank checking

$450
Checking
✓No monthly fee
ChexSensitive
Expires Apr 29
W

Wells Fargo

Wells Fargo checking

$425
Checking
✓No monthly fee
ChexSensitive
Expires Apr 29
B

BMO

BMO checking

$400
Checking
✓No monthly fee
ChexSensitive
Expires Apr 29
B

Bank of America

BofA checking

$400
Checking
✓No monthly fee
ChexSensitive
Expires Apr 29
W

Wells Fargo

Wells Fargo checking

$400
Checking
✓No monthly fee
ChexSensitive
Expires Apr 29
H

Huntington Bank

Huntington checking

$400
Checking
✓No monthly fee
ChexSensitive
Expires Apr 29
A

Ally Bank

Ally checking

$400
Checking
✓No monthly fee
ChexSensitive
Expires Apr 29
F

Fifth Third Bank

Fifth Third checking

$400
Checking
✓No monthly fee
ChexSensitive
Expires Apr 29
C

Citibank

Citi checking

$325
Checking
✓No monthly fee
ChexSensitive
Expires Apr 29
C

Capital One

Capital One checking

$300
Checking
✓No monthly fee
ChexSensitive
Expires Apr 29
F

Fifth Third Bank

Fifth Third Momentum Checking

$300
Checking
✓No monthly fee
ChexSensitiveRegional
Expires in 3 weeks
K

KeyBank

KeyBank Key Smart Checking

$300
Checking
✓No monthly fee
ChexSensitiveRegional
Expires Apr 30
S

SoFi

SoFi Checking & Savings

$300
Checking
✓No monthly fee
A

Ally Bank

Ally checking

$300
Checking
✓No monthly fee
ChexSensitive
Expires Apr 29
R

Regions Bank

Regions checking

$300
Checking
✓No monthly fee
ChexSensitive
Expires Apr 29
C

Citizens Bank

Citizens One Deposit

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

Huntington Bank

Huntington Unlimited Plus Business

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

Ally Bank

Ally Interest Checking

$250
Checking
✓No monthly fee
A

American Express

Amex checking

$250
Checking
✓No monthly fee
ChexSensitive
Expires Apr 29
C

Capital One

360 Checking

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

PNC Bank

PNC checking

$200
Checking
✓No monthly fee
ChexSensitive
Expires Apr 29
H

Huntington Bank

Huntington checking

$200
Checking
✓No monthly fee
ChexSensitive
Expires Apr 29
A

Ally Bank

Ally checking

$200
Checking
✓No monthly fee
ChexSensitive
Expires Apr 29
R

Regions Bank

Regions checking

$200
Checking
✓No monthly fee
ChexSensitive
Expires Apr 29
D

Discover Bank

Discover Cashback Debit

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

Bank of America

BofA checking

$100
Checking
✓No monthly fee
ChexSensitive
Expires Apr 29
A

Axos Bank

Axos checking

$100
Checking
✓No monthly fee
ChexSensitive
Expires Apr 29

Free Savings Account Bonuses

C

Citibank

Citi savings

$2,000
Savings
✓No monthly fee
ChexSensitive
Expires Apr 29
C

Citibank

Citi savings

$1,000
Savings
✓No monthly fee
ChexSensitive
Expires Apr 29
S

SoFi

SoFi savings

$675
Savings
✓No monthly fee
ChexSensitive
Expires Apr 29
B

BMO

BMO Alto Online Savings

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

Chase

Chase savings

$300
Savings
✓No monthly fee
ChexSensitive
Expires Apr 29
C

Citibank

Citi savings

$300
Savings
✓No monthly fee
ChexSensitive
Expires May 3
A

American Express

American Express High Yield Savings

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

TD Bank

TD Bank savings

$200
Savings
✓No monthly fee
ChexSensitive
Expires Apr 29
C

Citibank

Citi Accelerate Savings

$200
Savings
💰$20,000 deposit for 60 days
✓No monthly fee
Expires in 3 weeks
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
P

PNC Bank

PNC High Yield Savings

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

Ally Bank

Ally Online Savings

$150
Savings
💰$10,000 deposit for 90 days
✓No monthly fee
C

Citibank

Citi savings

$100
Savings
✓No monthly fee
ChexSensitive
Expires May 10
M

Marcus by Goldman Sachs

Marcus High-Yield Savings

$100
Savings
💰$10,000 deposit for 90 days
✓No monthly fee

Best Banks for No-Fee Accounts

Online Banks

SoFi, Ally, Discover, Capital One 360 - These banks have no physical branches, so they pass savings to customers with no fees and higher APYs.

Credit Unions

Many credit unions offer free checking with bonuses. Check local credit unions in your area.

Neobanks

Chime, Current, Varo - App-based banks often have no fees, though bonuses may be smaller or require referrals.