23 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 $375 but 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
Basic Banking, Citibank Account Package, Citi Priority, or Citigold	$250 to $2,000	Online	Must open a new account package; keep the required deposit of $10,000 to $300,000 in the account for 60 days	April 4, 2023	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	Open an account
Fifth Third Bank Momentum Checking or Preferred Checking	$250	Both	New checking account and direct deposits of $1,000 or more within first 90 days	March 31, 2023	Offer code will arrive via email; use offer code online or at a branch; your bonus will be deposited into your account within several weeks of meeting the bonus criteria	Open an account
Huntington Perks Checking	$400	Both	A new account with at least $1,000 in deposits within 60 days; account must be open for 90 days	June 7, 2023	Use the online link or take the coupon into a branch; your cash bonus will be in your new account about 14 days of meeting the requirements	Open an account
Huntington Platinum Perks Checking	$600	Both	A new account with at least $25,000 in deposits within 60 days; account must be open for 90 days	June 7, 2023	Apply online or open an account at your local branch; your bonus will appear in your new account within about 14 days of meeting the requirements	Open an account
Chase Total Checking	$200	Both	Set up direct deposit for your new checking account within 90 days	April 19, 2023	Apply using the link online or print a coupon to use at a branch; once you meet the requirements, you will receive the bonus deposit within several weeks	Open an account
Chase College Checking	$100	Both	Complete 10 qualifying transactions within 60 days (such as debit card purchases and online bill payments)	April 19, 2023	Apply using the link online or print a coupon to use at a branch; once you meet the requirements, you will receive the bonus deposit within 10 business days	Open an account
Bank of America Advantage Checking	$100	Online	Direct deposits of at least $1,000 within the first 90 days of opening the account	June 30, 2023	Use code DNE100CIS; the bonus will be deposited into your account once you've met the qualifications	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:

Ally Bank
Axos Bank
BMO Harris Bank
Capital One
First Republic
Flagstar Bank
M&T Bank
Santander Bank
TCF Bank
USAA Bank
U.S. Bank
Wells Fargo

Best Savings Account Signup Bonuses

What We Recommend

Savings account signup bonuses are less common than checking account bonuses.

However, the Citibank bonus offer earns our top recommendation; with several different account types available, you have more options regarding your opening deposit amount to receive the bonus, and the maximum bonus amount is the highest we found.

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 $100 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
Citibank, Citigold, or CITI Priority Account Package	$200 to $2,000	Online	Open with $10,000 to $200,000 (depending on the account type) and maintain the balance for two months	April 4, 2023	Open a Citibank account package (including a checking account and savings account) during the offer period, make a qualifying deposit within the first 20 days, and maintain the required balance for 60 calendar days	Open an account
Discover Online Savings Account	$150 to $200	Online	Must be a new customer and make a qualifying deposit within 30 days of opening the account	March 15, 2023	Make a deposit of at least $15,000 within thirty days to earn the $150 bonus; for the $200 bonus, you must deposit at least $25,000	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