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Advertiser Disclosures

Checking Account Bonus Offers Available Nationwide

checking-account-bonus-offers

Bank savings rates remain historically low, currently at 0.06%. 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.

Checking Account Bonus Offers

SoFi Bank – Welcome Bonus up to $325


The Checking Account at SoFi offers no overdraft and no monthly fees. Plus, account holders have access to 55,000+ fee-free ATMs within the Allpoint® Network. Members with direct deposit can earn 1.25% APY and 0.70% APY without direct deposit. Plus, pay with your SoFi debit card to get up to 15% cash back at local establishments.

$25 Welcome Bonus. Earn a $25 Welcome Bonus when you open your account with at least $10 from an existing Visa or Mastercard Debit Card.
Additional Bonus up to $300. Earn an additional bonus up to $300 for setting up a qualifying direct deposit from an employer, payroll, retirement pension, or benefits provider like state unemployment via ACH deposit.

Here’s how to earn the additional bonus (A member may only qualify for one bonus tier):

  • To earn the $50 bonus tier you must set up a qualifying direct deposit of $1000 – $1,999
  • To earn the $100 bonus tier you must set up a qualifying direct deposit of $ 2,000 – $4,999
  • To earn the $300 bonus tier you must set up a qualifying direct deposit of $5,000 or more

SoFi Checking Account Features

  • No monthly maintenance fee.
  • Minimum opening deposit of $10.
  • Earn 1.25% APY with a monthly direct deposit. Without direct deposit, you will earn 0.70% APY.
  • 55,000+ fee-free ATMs.
  • Get paid up to 2 days early with direct deposit.
  • No-fee Overdraft Coverage with qualifying monthly direct deposit.
  • Deposit checks, get real-time alerts, freeze or unfreeze your card, change your pin, and more—all from your phone.
  • FDIC insured.

Axos Rewards Checking – $150 Welcome Bonus


business-checking-account-bonus

The Axos Rewards Checking Account offers perks like no monthly service fees, unlimited ATM reimbursements in addition to early paycheck with direct deposit. Customers can earn up to 1.25% APY*

To earn the $150 bonus you must:

  • Open a new Rewards Checking Account with promo code MAY150.
  • Bonus will be deposited into your new account within 5 business days of your statement cycle date.

Rewards Checking Features

  • Minimum opening deposit $50.
  • Zero monthly maintenance fees.
  • Unlimited domestic ATM fee reimbursements.
  • Zero overdraft or NSF fees.
  • 100% mobile and online banking.
*To earn the full 1.25% APY rate, you’ll need to meet several requirements. First, you need to have at least $1,500 in monthly direct deposits for 0.40%. Once you meet that requirement, you can earn an additional 0.30% if you make 10 debit card purchases (minimum of $3 per transaction) or sign up for the Account Aggregation/Personal Finance Manager tool. You can also earn 0.20% for each of these requirements you meet: having an average daily balance of $2,500 in a managed investment portfolio and having an average daily balance of $2,500 in a self-directed portfolio. You can earn another 0.15% by making a monthly Axos consumer loan payment from Rewards Checking.

Axos Bank Business Checking – $100 or $200 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 with promo code NEWAXOSBIZ.
      • Bonus will be deposited into your new account within 5 business days of your statement cycle date.

To earn the $200 bonus you must:

  • If you incorporated after June 1, 2020, you can earn $200 to your new business bank account. Just use promo code NEWBIZ200 on your application.

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.

CIT Bank – Amazon Prime ($139 cash value)


Open a new CIT Money Market account using promo code AMZN22 to get a year of Amazon Prime ($139 cash value). This offer is available to new or existing customers that make a deposit of $15K from an external funding source.

To earn the mazon Prime subcription:

  • Fund your account with $15,000 within 15 days.
  • Keep a minimum balance of $15,000 for 60 days.
  • After 60 days, if you’ve fulfilled the requirements, CIT will send you an email with your Prime membership code. Existing Amazon Prime members can use the one year of Amazon Prime to renew their membership for an additional year. Limit one Money Market promotion per account and per customer. Conditions apply. See advertiser website for details.

CIT Money Market Features

  • Minimum opening deposit $100.
  • No monthly maintenance fee.
  • Access your money easily with Zelle® & Bill Pay.
  • FDIC insured.

GTE Financial Checking Account – 200 Welcome Bonus

credit-union-checking-account-for-bad-credit
GTE Financial Credit Union offers several checking accounts designed for customer’s particular needs, including a second chance checking account. All the checking accounts offer the $200 welcome bonus when you join GTE and open a new checking account.

GTE is one of the largest credit unions in the nation available in ALL states, plus more than 20 locations in Florida.

You must use Referral Code E599076ICB and use the Promo Code JOIN200 in order to get the $200 welcome bonus.

Checking Accounts Feature

  • Access to 30,000 free ATMs.
  • 24/7 Virtual Banking (Online, Mobile or Telephone).
  • Get paid up to 2 days early with early direct deposit for a $3 fee.
  • Bill Pay, Zelle®, and Friends & Family Transfers.
  • Unlimited check writing.
  • Account Balance Alerts.
  • Free Bill Pay
  • Remote Deposit – with the GTE Mobile App and Deposit2Go.
  • Note: To get the $200 Bonus you must use referral code E599076ICB and use the Promo Code JOIN200 during the application process. You’ll get an opportunity to insert the referral code during the application process once you get to the screen that says: “Lastly, here’s an awesome member benefit.”

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.

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.

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.
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