17 Best Checking and Savings Account Signup Bonuses

Many banks offer limited-time signup bonuses for checking and/or savings accounts. These offers allow you to earn a cash bonus after signing up for an account.

Since these bonuses are short-term, if you miss out on a bonus, it’s worthwhile to check back occasionally; banks announce new offers regularly.

We contacted major banks across the U.S. to compare the available checking and savings account bonuses.

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Best Checking Account Signup Bonuses

What We Recommend

For the largest possible cash bonus, Citibank’s offers range from $200 to $2,000, depending on the amount of your opening deposit and the balance you maintain.

Offers at other banks range from $100 to $1,000 but may require a lesser balance and/or deposit to qualify than Citibank. Consider these offers if you don’t plan to maintain a high balance on the account or can’t make a large deposit right away.

Comparison Table

Use the following table to compare the best signup bonuses available for checking accounts.

Note that you can sort the table by any column using the arrow buttons at the top of each column.

We gathered this information by speaking with customer service representatives at each bank.

Bank/Account	Offer	Online or In Person?	Qualifications	Expiration	How to Get the Offer	Get the Offer
Ally Bank Spending Account	$200	Online	New account with qualifying deposits	November 30, 2023	Use the code GET200 when opening your account, then fund the account within 30 days, and set up one or more direct deposits totaling at least $1,500 within 90 days.	Open an account
Axos Bank Rewards Checking	Up to $300	Online	New account with qualifying deposits and a minimum daily balance	December 31, 2023	Use the code SUNNYBONUS when you apply, then set up at least $7,000 per month in direct deposits and maintain an average daily balance of at least $15,000 through March 2024.	Open an account
BMO Smart Advantage Checking, Smart Money Checking, or Relationship Checking	$400 to $600	Both	New account with qualifying deposits	December 8, 2023	Apply online or at a branch, then receive direct deposits totaling $4,000 (Smart Advantage or Smart Money Checking accounts) or $7,500 (Relationship Checking) within 90 days.	Open an account
Capital One 360 Checking	$350	Online	New account with qualifying deposits	October 18, 2023	Use the code BONUS350 when opening your account, then receive at least two direct deposits of $250 or more each within 75 days.	Open an account
Citi Everyday Benefits, Citi Priority, Citigold, or Citigold Private Client	$200 to $2,000	Online	New account with qualifying deposits and minimum balance	January 9, 2024	If you apply online from the bank offers page, you are automatically enrolled; your bonus will be credited to your eligible checking account once you've met the bonus criteria. You must fund the account within 30 days and keep the required deposit ($10,000 to $300,000) in the account for at least 60 days.	Open an account
Huntington Perks Checking or Platinum Perks Checking	$400	Both	New account with qualifying deposits	October 7, 2023	Use the online link or take the coupon into a branch, then make a qualifying deposit within 60 to 90 days of opening (depending on the account type); your cash bonus will be in your new account within about 14 days of meeting the requirements.	Open an account
Chase Total Checking	$200	Both	New account with direct deposits	October 18, 2023	Apply using the link online or print a coupon to use at a branch; once you've meet the requirement of setting up direct deposits within 90 days, you will receive the bonus deposit within several weeks.	Open an account
Chase College Checking	$100	Both	New account with qualifying transactions	October 18, 2023	Apply using the link online or print a coupon to use at a branch, then complete at least 10 qualifying transactions (debit card purchases, online bill payments, etc.) within 60 days. Once you meet the requirements, you will receive the bonus deposit within 15 business days.	Open an account
Bank of America Advantage SafeBalance, Advantage Plus, or Advantage Relationship Banking	$200	Online	New account with direct deposits	January 31, 2024	Use code TWA200CIS, then set up direct deposits of at least $2,000 within the first 90 days. The bonus will be deposited into your account once you've met the qualifications.	Open an account
M&T Bank EZChoice, MyChoice Plus, or MyChoice Premium	Up to $200	Both	New account with qualifying deposits	October 31, 2023	Apply online or at a branch and set up direct deposits totaling at least $500 within 90 days of account opening.	Open an account
Santander Bank Santander Select account	$400	In person	New account with qualifying deposits	October 3, 2023	Fill in your information on Santander Bank's website to receive a promo code, then open your new account at a branch. You'll receive the bonus after receiving $5,000 or more in direct deposits within 90 days of account opening.	Open an account
U.S. Bank Smartly Checking	Up to $1,000	Both	New account with minimum opening deposit and qualifying direct deposits	October 31, 2023	Must open your account with a minimum deposit of $25. You'll earn a $300 bonus with two or more direct deposits totaling $5,000 to $9,999.99, or a $500 bonus for deposits totaling $10,000 or more. You can earn an additional $200 to $400 by opening a U.S. Bank Standard Savings account, and an additional $100 for qualifying for both the savings and the checking account bonuses.	Open an account
Wells Fargo Everyday Checking	$300	Both	Must be a new account holder with no additional Wells Fargo accounts and no Wells Fargo bonuses received within the past 12 months; must also make qualifying deposits	January 9, 2024	Must make a minimum opening deposit of $25 and receive $1,000 or more in electronic deposits within the first 90 days	Open an account

Banks Without Checking Account Bonuses

In the course of our research, we found that the following banks do not offer any signup bonuses for checking accounts at the time of writing.

Note that promotions change regularly, and these banks may offer bonuses in the future.

Fifth Third Bank
First Republic
Flagstar Bank

Best Savings Account Signup Bonuses

What We Recommend

Savings account signup bonuses can be found in the form of cash bonuses or a percentage annual payout based on your balance.

Of the bonuses available at the time of writing, U.S. Bank offers the highest earning potential, with a maximum bonus of $1,000 if you open a checking account along with your savings account and make the required qualifying deposits.

However, if you don’t have a large sum to fund a savings account with, Alliant and Regions offer bonus opportunities based on your transaction activity (regular deposits into the savings account) rather than your account balance.

Comparison Table

We contacted customer service representatives from major U.S. banks to find out more about each bank’s signup bonuses for savings accounts — we detail our findings in the table below.

Note that you can sort the table using the arrow buttons at the top of any column.

Bank/Account	Offer	Online or In Person?	Qualifications	Expiration	How to Get the Offer	Get the Offer
Alliant Ultimate Opportunity Savings Account	$100	Online	Must be a new Alliant Credit Union member and make consistent deposits to your new savings account	December 31, 2023	Open a new savings account and deposit at least $100 per month for 12 consecutive months; you'll receive your bonus after 12 consecutive monthly deposits	Open an account
Regions LifeGreen Savings	Up to $100 annually	Both	Must set up monthly automated transfers from a Regions checking account	N/A	Open a LifeGreen savings account online or at a branch and set up automated transfers from a Regions checking account; you'll receive a 1% annual bonus up to $100.	Open an account
TD Bank Signature Savings or Simple Savings Account	$200	Online	Must open a new account with a qualifying deposit and minimum balance	October 31, 2023	After opening your account online, you must deposit at least $10,000 from a bank other than TD Bank within 20 days, then maintain a balance of at least $10,000 for 90 days.	Open an account
U.S. Bank Standard Savings Account	Up to $1,000	Both	Must make qualifying deposits of funds from an institution other than U.S. Bank	October 31, 2023	Open a savings account online, at a branch, or by phone with a minimum opening deposit of $25. You can then earn a bonus of $200 by depositing at least $25,000 or $400 by depositing at least $50,000. You must make your deposit by November 30, 2023 and maintain your balance until March 31, 2024. You can increase your bonus to up to $1,000 by opening a U.S. Bank Smartly Checking account along with your savings account, and making qualifying deposits into the checking account.	Open an account