No link on this page pays us. When one does, it says so, and it never changes a ranking. How we make money

Bank bonus finder

Which bank bonuses can you actually get?

Banks pay $100 to $3,000 to open an account, but each asks for something: a direct deposit, money kept for months, a deadline. Tell us what you have, and we show the bonuses you can meet, worth most after the interest that money would have earned elsewhere.

  • Every figure from the bank’s or issuer’s own terms
  • Ranked on value alone, never on what pays us
  • Nothing you enter is stored

Start from: A $3,000 paycheck$10,000 to parkBothJust an opening deposit

Your numbers stay in this page’s address; we don’t keep them.

For any state · $3,000 a month in direct deposit · nothing to parkChange

11 bonuses you can meet, worth up to $450 after the interest you give up.

Worth after the interest the money you keep there would have earned at 5.00% APY, the best savings rate open to you, for as long as the bonus asks. Bonuses are taxable interest.

  1. Access CheckingBOKF · source · checked Oct 10, 2026
    The bank’s wording
    “Open an Access Checking account using promo code SUMMIT and deposit at least $3,000 in aggregate qualifying direct deposits within the first 90 days of account opening.”

    bonus also requires: Qualifying direct deposits are recurring electronic deposits of a paycheck, pension, Social Security, or other regular income from an employer, payroll provider, or government age

    Worth$450
    Bonus$450ends February 28, 2027
    Takes$3,000 in direct deposits90 days
    Yearly rate—
  2. Chase Total CheckingJPMorgan Chase Bank · source · checked Oct 10, 2026
    The bank’s wording
    “Open a new Chase Total Checking account, subject to approval, and have direct deposits totaling $1,000 or more made into the new checking account within 90 days of offer enrollment.”

    bonus also requires: Direct deposits must be electronic deposits of a paycheck, pension, or government benefits from an employer or the government.; Offer is not available to existing Chase checking c

    Worth$400
    Bonus$400
    Takes$1,000 in direct deposits90 days
    Yearly rate—
  3. Checking accountCitibank · source · checked Oct 10, 2026
    The bank’s wording
    “”
    Worth$325
    Bonus$325
    Takes$3,000 in direct deposits90 days
    Yearly rate—
  4. Citi Checking AccountCitibank · source · checked Oct 10, 2026
    The bank’s wording
    “Earn a bonus when you open a Regular Checking account with Enhanced Direct Deposits & required activities.”
    Worth$325
    Bonus$325
    Takes$3,000 in direct deposits90 days
    Yearly rate—
  5. Everyday CheckingWells Fargo Bank · source · checked Oct 10, 2026
    The bank’s wording
    “Use your bonus offer code when opening a new Wells Fargo consumer checking account, subject to approval, by October 13, 2026, and receive $1,000 or more in qualifying electronic deposits within 90 calendar days of account opening.”

    bonus also requires: Qualifying electronic deposits include direct deposits through ACH, instant payments through RTP or FedNow, or eligible electronic credits from third-party services; transfers bet

    Worth$325
    Bonus$325ends October 13, 2026
    Takes$1,000 in direct deposits90 days
    Yearly rate—
  6. Regular CheckingCitibank · source · checked Oct 10, 2026
    The bank’s wording
    “Open a new Regular Checking account by applying exclusively from this page from 4/14/26 to 10/26/26, be a new checking customer, and complete at least two Enhanced Direct Deposits directly into the new account within 90 calendar days from account opening, with total completed Enhanced Direct Deposit”

    bonus also requires: At least two (2) Enhanced Direct Deposits are required.; Deposits made to a savings account are not eligible.; The account must be kept open and in good standing.

    Worth$325
    Bonus$325ends 10/26/26
    Takes$3,000 in direct deposits90 days
    Yearly rate—
  7. Rewards Checking AccountAmerican Express National Bank · source · checked Oct 10, 2026
    The bank’s wording
    “Open your first American Express Rewards Checking Account in your name by 02/01/2027, subject to approval, and have a total of $7,500 or more of Qualifying Direct Deposit(s) posted to the account within the first 90 days of account opening.”

    bonus also requires: A Qualifying Direct Deposit is an ACH transfer from an employer or government for a paycheck, pension, government benefit such as Social Security, or tax refund.; Person-to-person

    Worth$300
    Bonus$300ends 02/01/2027
    Takes$7,500 in direct deposits90 days
    Yearly rate—
  8. TD Beyond CheckingTD Bank · source · checked Oct 10, 2026
    The bank’s wording
    “Open a new TD Beyond Checking account and have $2,500 total in qualifying direct deposits post to the account within 60 days; each direct deposit must be at least a $250 payroll, pension, or government benefit payment; P2P and transfers from other accounts are excluded.”

    bonus also requires: Qualifying direct deposits are limited to electronic direct deposits of payroll, pension, or government benefit payments.; Each qualifying direct deposit must be at least $250.; P

    Worth$300
    Bonus$300ends November 30, 2026
    Takes$2,500 in direct deposits180 days
    Yearly rate—
  9. 360 CheckingCapital One · source · checked Oct 10, 2026
    The bank’s wording
    “Open a new 360 Checking account with promo code CHECKING250 and set up and receive at least 2 qualifying direct deposits, each of $500 or more, in your first 75 days.”

    bonus also requires: A qualifying direct deposit must be $500 or more.

    Worth$250
    Bonus$250
    Takes$1,000 in direct deposits75 days
    Yearly rate—
  10. Spending AccountAlly Bank · source · checked Oct 10, 2026
    The bank’s wording
    “Open a new Ally Bank Spending Account using promo code SPEND200, add money within 30 days of opening, and receive Qualifying Direct Deposits of at least $1,000 a month for two consecutive months.”

    bonus also requires: You have 60 days after opening for Qualifying Direct Deposits totaling at least $1,000 to be paid into the account; the calendar month when this happens is the first month, follow

    Worth$200
    Bonus$200
    Takes$1,000 in direct deposits60 days
    Yearly rate—
  11. TD Complete CheckingTD Bank · source · checked Oct 10, 2026
    The bank’s wording
    “Open a new TD Complete Checking account and have $500 total in qualifying direct deposits post to the account within 60 days; each direct deposit must be at least a $250 payroll, pension, or government benefit payment; P2P and transfers from other accounts are excluded.”

    bonus also requires: Qualifying direct deposits are limited to electronic direct deposits of payroll, pension, or government benefit payments.; Each qualifying direct deposit must be at least $250.; P; +$100 if a current customer refers you (Share the Green)

    Worth$200
    Bonus$200ends November 30, 2026
    Takes$500 in direct deposits180 days
    Yearly rate—

Maybe: 5 whose terms we can’t check

These banks don’t state their requirements in enough detail for us to check them against your numbers. Read the bank’s page before you count on one.

34 more bonuses need more direct deposit or cash than you entered. Every bank bonus we track · Track the ones you go for