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10 Checking Account Bonus Offers Available Nationwide

  • Banking
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Bank savings rates remain historically low, currently at 0.05%. But one-way consumers can earn more for their money is through a checking account bonus offer.

Banks use checking account bonus promotions as an incentive to get you to sign up for a new account.

There are many bank promotions currently offered, but not all checking account bonus offers are a good deal for everyone’s budget. Some have high minimum balance requirements and monthly fees that could eat into your bonus.

Get paid to open a bank account.

10 Checking Account Bonus Offers

1. Aspiration Spend & Save Account Plus – $200 Bonus


Open a Spend & Save Cash Management Plus Account and earn a $200 checking account bonus. Aspiration is an environmentally-friendly firm that donates 10% of its income to charities that fight poverty. The monthly maintenance fee is $7.99 per month or $71.88 annually.

To earn the $200 bonus you must:

  • Open and fund your account with $10 or more.
  • Make at least $1,000 in cumulative eligible debit card purchases within the first 60 days. Receive your $200 bonus in your account within 120 days.

Spend & Save Account Features:

  • Earn up to 1.00% APY interest on your Save Account.
  • Earn 10% cash back at select merchants like TOMS, Warby Parker, and more.
  • The monthly maintenance fee is $7.99 per month or $71.88 annually.
  • Carbon offsets for your gas purchases with Planet Protection.
  • Instant access to a digital debit card.
  • Get one out-of-network fee reimbursed per month (on top of no fees at 55,000+ Allpoint ATMs).
  • FDIC insurance for up to $2.46 million

2. Aspiration Spend & Save Account – $150 Bonus

Open a Spend & Save Cash Management Account and earn a $150 checking account bonus. Aspiration is an environmentally-friendly firm that donates 10% of its income to charities that fight poverty. There is no monthly maintenance fee or you can simply pay what you think is fair.

To earn the $150 bonus you must:

  • Open and fund your account with $10 or more.
  • Make at least $1,000 in cumulative eligible debit card purchases within the first 60 days. Receive your $150 bonus in your account within 120 days.

Spend & Save Account Features:

  • Earn up to 1.00% APY interest on your Save Account.
  • Earn 10% cash back at select merchants like TOMS, Warby Parker, and more.
  • There is no monthly service fee.
  • Carbon offsets for your gas purchases with Planet Protection.
  • Instant access to a digital debit card.
  • Get one out-of-network fee reimbursed per month (on top of no fees at 55,000+ Allpoint ATMs).
  • FDIC insurance for up to $2.46 million

3. Acorns Spend Account – $75 Bonus


The Acorns Spend Account is the first checking account with a debit card that saves, invests, and earns for you. With the Acorns Spend Account customers enjoy no monthly or overdraft fees, a debit card, and free ATM access nationwide. The Visa debit card is made with an impressive tungsten metal with a matte green finish and your signature custom-engraved.

To earn the $75 bonus you must:

  • Make Acorns Checking your direct deposit method with your employer.
  • Receive 2 direct deposits of at least $250 per deposit by Sept. 30, 2021, and the bonus will be deposited into your Acorns account within 45 days.

Acorns Spend Account Features

  • No overdraft fees.
  • Unlimited free or fee-reimbursed ATM withdrawals nationwide.
  • Rounds up purchases made with your debit card and invests the spare change.
  • Digital direct deposit and mobile check deposit and check sending.
  • Free bank-to-bank transfers.
  • Automated bill pay.
  • FDIC-protected checking account up to $250,000 plus fraud protection.

4. Unifimoney – Up to a $5,000 Bitcoin Reward



Unifimoney is a financial digital platform offering a high-yield checking account, self-directed and robo stock market investing, credit cards, cryptocurrency, and precious metals trading, loans, and automated money management.

To earn up to $5,000 in Bitcoin you must:

  • Have never previously funded a Unifimoney account.
  • Have successfully opened an account with Unifimoney and been approved for a cryptocurrency account on or after the Effective date (above) but before the termination of this promotion.
  • Make electronic deposits of at least $1,000 (for the $25 Bitcoin Reward), $10,000 (for the $100 Bitcoin Reward), $20,000 (for the $250 Bitcoin Reward), $50,000 (for the $500 Bitcoin Reward), $100,000 (for the $1,000 Bitcoin Reward, $250,000 for the $2,500 reward and $500,000+ for the $5,000 reward) to your Unifimoney account within a two week (14 day) time period from account creation.
  • Held the equivalent of that same deposit in your account in cash deposits and investments for: a minimum of 30 days (for the $25 and $100 Bitcoin Rewards) and a minimum of 90 days (for the $250, $500, and $1,000, $2,500 and $5,000 Bitcoin Rewards).

Unifimoney Account Features

  • The minimum deposit to open a Unifimoney high-yield checking account is $100.
  • Earn 0.20% interest rate.
  • 55,000+ fee-free ATMs nationwide within the Allpoint ATM network.
  • Mobile banking with remote check deposit.
  • Optional checkbook.
  • Get up to a $5,000 Bitcoin reward (*Terms apply).
  • FDIC insurance up to $750,000 (including principal & interest).

5. Axos Bank Business Checking – $100 Bonus


business-checking-account-bonus

The Axos Basic Business Account is an online business checking account that offers affordable banking for small business owners and entrepreneurs. Enjoy perks like no monthly service fees, unlimited ATM reimbursements in addition to earning a $100 bonus just to open the account.

To earn the $100 bonus you must:

  • Open a new Basic Business Checking by 09/30/2021.
  • In the first two months after account opening, the average daily balance of the account must be at least $2,500 in order to qualify for the $100 bonus.
  • Bonus will be deposited into your new account within 5 business days of your statement cycle date.

Basic Business Checking Features

  • Zero monthly maintenance fees.
  • Zero minimum monthly balance requirements.
  • First 50 checks free.
  • Unlimited domestic ATM fee reimbursements.
  • $1,000 minimum opening deposit.

6. Chime Spending Account – $25 Bonus


The Chime Spending Account is an online account that offers free overdraft protection, no monthly maintenance fee, free ATMs nationwide and an optional savings account that earns 0.50% APY.

To earn the $25 bonus you must:

  • Receive a qualifying direct deposit of $200+ by October 1, 2021, and you’ll earn a $25 bonus.

Chime Spending Account Features

  • Get your paycheck up to 2 days early with direct deposit.
  • Zero minimum monthly balance requirements.
  • No monthly fees, no overdraft fees.
  • Access to more than 60,000 fee-free MoneyPass and Visa Plus Alliance ATMs across the U.S.
  • Chime offers fee-free overdraft protection through SpotMe, which is available to customers who receive $200 or more in total monthly direct deposits.
  • Banking services provided by The Bancorp Bank or Stride Bank, N.A.; Members FDIC.

7. Bank of America – $100 Bonus

The SafeBalance Advantage Plus Checking Account offers a large ATM network, mobile check deposit, an online platform with tools to manage your account. There is a monthly maintenance fee of $12 but it can be waived if you maintain a $1,500 daily balance or by having one qualifying direct deposit of $250 or more.

To earn the $100 bonus you must:

  • Not have had a Bank of America personal checking account, or been a co-owner on an account, within the past 12 months.
  • Open a new Advantage Plus Banking account online.
  • Receive qualifying direct deposits of at least $250 each within 90 days of your account opening.

SafeBalance Advantage Plus Checking Features

  • Minimum deposit to open $100.
  • Offer code (DDX100CIS) is needed to qualify for the bonus.
  • Use your debit card, a digital wallet, or pay friends securely with Zelle right from your phone.
  • Set custom alerts and savings goals. Get cashback deals and rewards customized for you.
  • Deposit a check into your account using the camera on your smartphone or tablet and the Mobile Banking app.
  • $1,000 minimum opening deposit.

8. TD Convenience Checking – $150 Bonus

With the TD Convenience Checking Account, you can earn $150 when you have $500 in direct deposits within 60 days. Avoid the monthly maintenance fee with a low $100 minimum balance, and deposit checks from the comfort of home with Mobile Deposit.

To earn the $150 bonus you must:

  • Receive direct deposits of $500 or more within 60 days of opening your account to earn a $150 bonus.
  • Receive the bonus within 140 days of account opening.

TD Bank Beyond Checking Account Features

  • No minimum deposit required to open the account.
  • Monthly maintenance fee waived when you maintain a $100 minimum daily balance.
  • No monthly maintenance fee and no minimum daily balance requirements if you’re age 17 through 23.
  • Contactless debit cards with no-touch payments—so you can tap to pay and be on your way. Plus, rest easy with 24/7 fraud text alerts.

9. Chase Total Checking Account – $225 Bonus

With the Chase Total Checking Account, you can earn $225 as a new Chase checking customer, when you set up direct deposit within 90 days of enrollment. The monthly service fee is $12 but can be waived if: (1) Electronic deposits made into this account total $500 or more, or (2) have a balance at the beginning of each day of $1,500 or more, or (3) have an average beginning day balance of $5,000 or more in any combination of this account and linked qualifying Chase checking, savings, and other balances.

To earn the $225 bonus you must:

  • Be a new Chase checking customer, when you open a new Chase Total Checking® account and set up direct deposit within 90 days of coupon enrollment.
  • Set up direct deposit within 90 days of coupon enrollment and receive your money within 15 days.

Chase Total Checking Account Features

  • No minimum deposit required to open the account.
  • Access to 16,000 ATMs and more than 4,700 branches.
  • Manage your accounts, deposit checks, transfer your money and more — all from your device.
  • Free overdraft protection when you link to savings for automatic transfers.

10. Alliant Credit Union – $100 Bonus

Open the Ultimate Opportunity Savings Account to earn a $100 savings account bonus, the current interest rate is 0.55% APY. Alliant is one of the top 10 largest credit unions in the U.S. that is fully online.

To earn the $100 bonus you must:

  • Deposit at least $100 a month—for 12 consecutive months—into The Ultimate Opportunity Savings Account.
  • After those 12 consecutive months, you’ll also get a $100 bonus.

Ultimate Opportunity Savings Account Features

  • $0 in monthly fees if you elect eStatements.
  • No tricky earning tiers, minimum balance fees or maximum balance limits.
  • 24/7 access with award-winning online and mobile banking.
  • Nationwide network of 80,000+ fee-free ATMs.
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