Best Bank Bonuses and Promotions of July 2026 up to $3,000
ACH transfers from an account you have at another financial institution or internal transfers from another Ally Bank account are not considered a QDD. One bonus per customer and only one bonus paid per account. To be paid, make sure you keep your Spending Account open and in Good Standing through the payout.
Banner Bank will monitor the balances maintained in your account during the qualification period to determine bonus amount paid, if applicable. For more details, check out our terms and conditions (PDF). Banking writers and editors use an objective methodology to rate banks, credit unions, and other providers, and to recommend the best products. The information related to Citi checking accounts and Wells Fargo Clear Access Banking has been collected by NerdWallet and has not been reviewed or provided by the issuers or providers of these products or services.
- Chase Total Checking® has a $15 monthly service fee, you can avoid the fee with direct deposits totaling $500 or more, or a minimum average daily balance each statement period.
- Once you’ve met the requirements, your bonus will be deposited within 90 days.
- With direct deposit of $500 (receive $9 fee if below $2,500 threshold. See details.)
- To qualify for the personal savings offer, you must not already have a personal savings or money market account with Banner Bank.
- Read your account’s terms and conditions to learn more about how closing your account will impact your bonus and when you may be able to do so without being penalized.
- If these qualifications are met, your bonus will be paid to your account within 120 days from account opening.
We’ve rounded up additional excellent checking account bonuses and savings account promotions below. In 2026, checking account bonus offers could land you between $100 and $3,000. Tony began his NerdWallet career as a writer and worked his way up to editor and then to head of content on the banking team. She previously edited content on personal finance topics at GOBankingRates. Ruth Sarreal is an editor and content strategist covering consumer banking topics at NerdWallet. We’re here to help with flexible savings and investing options to keep your cash working while you focus on your business.
Three great options. Unlimited possibilities.
Note that bonus details are accurate as of the publication date. Find out which banks are currently offering the best new account promotions and bonuses, and learn how to qualify. Premium Savings Account offered by Morgan Stanley Private Bank, National Association, Member FDIC. (When the primary account owner reaches the age of 25, age can no longer be used to avoid the monthly service fee.) $5,000 or more in qualifying deposit balances, investment balances, or both. You won’t be held responsible for promptly reported unauthorized card transactions, subject to certain conditions.
More information about bank bonuses, checking account bonuses, and savings account bonuses
If you’ve followed the eligibility requirements, your cash bonus will be paid into your Spending Account within 30 days after you reach the second consecutive monthly $1,000 QDD minimum. Set up qualifying direct deposits of at least $1,000 a month for two consecutive months. The most overdraft-friendly checking accounts tend to have no overdraft coverage fees, multiple ways to cover a negative balance (such as overdraft transfer from a linked savings account or line of credit), and low costs for those alternative overdraft programs. For providers without one or more types of accounts, the overall rating is modified to include only applicable categories.
Keep reading to find out answers to commonly asked questions about checking account bonuses and other bank promotions. That’s because we curate a list that’s limited to what our experts think are the very best options for our readers. Check out NerdWallet’s picks for the best savings accounts The number of checking and/or savings accounts you should have will depend on a few factors. That includes what fees might be incurred and how long you might have to wait for the bonus to be paid.
You can always call your bank or read your account’s terms and conditions to learn more about your bonus and when you can expect a payout. Read your account’s terms and conditions to learn more about how closing your account will impact your bonus and when you may be able to do so without being penalized. Your account must remain open in order for you to receive the reward, which will be credited to the eligible account within 60 to 90 days after all conditions have been met. Rewards are paid after each Eligibility Period ends, provided all requirements for that Eligibility Period were met.
- Tony began his NerdWallet career as a writer and worked his way up to editor and then to head of content on the banking team.
- Set up qualifying direct deposits of at least $1,000 a month for two consecutive months.
- BONUS EARNED will be paid within 120 days from account opening
- New checking customers can earn up to $500 by opening a new eligible checking account, then setting up and receiving qualifying direct deposits into the new account within 90 days of account opening.
- If you’ve followed the eligibility requirements, your cash bonus will be paid into your Spending Account within 30 days after you reach the second consecutive monthly $1,000 QDD minimum.
- Ruth Sarreal is an editor and content strategist covering consumer banking topics at NerdWallet.
SoFi Checking and Savings Account: Up to $400 bonus
We’re here to help with options and answers you need from being pre-approved to purchase your first home to refinancing your mortgage. If you’d like to open a new account, we’re here to help with current rates, term options and more. Hundreds of hometown locations in Illinois, Minnesota & Wisconsin.
More checking options
You may also need to meet additional conditions, such as maintaining a minimum balance or setting up direct deposit. Once you’ve met the requirements to earn a new bank account offer, you’ll receive your bonus in your account within a few days, in many cases. Once these qualifications are met, your bonus will be deposited into your new checking account within 30 days. Members without Eligible Direct Deposit will earn 1.00% APY on savings balances (including Vaults) and 0.50% APY on checking balances.
Maintain the required balance of at least $10,000 betmica for 90 additional days from the 20th day after account opening.