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Banking
Banking
Best Bank Bonuses and Promotions of November 2023
Advertiser disclosure
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BEST OF - California
15 BEST BANK BONUSES AND PROMOTIONS OF NOVEMBER 2023
By Ruth Sarreal
Ruth Sarreal
Content Management Specialist | Bank accounts, bank account bonuses
Ruth Sarreal is a content management specialist covering consumer banking topics
at NerdWallet. She has over a decade of experience writing and editing for
consumer websites. She previously edited content on personal finance topics at
GOBankingRates. Her work has been featured by Nasdaq, MSN, TheStreet and Yahoo
Finance.
Learn More
Nov 1, 2023
Edited by Tony Armstrong
Tony Armstrong
Lead Assigning Editor | Banking
Tony Armstrong leads the banking team at NerdWallet. He has covered personal
finance for nearly a decade. Tony began his NerdWallet career as a writer and
worked his way up to assistant assigning editor and then to lead assigning
editor. His writing has been featured by the Los Angeles Times, MarketWatch,
Mashable, Nasdaq.com, USA Today and VentureBeat. Tony lives in Minneapolis,
Minnesota.
Learn More
Many or all of the products featured here are from our partners who compensate
us. This influences which products we write about and where and how the product
appears on a page. However, this does not influence our evaluations. Our
opinions are our own. Here is a list of our partners and here's how we make
money.
Bank promotions generally consist of cash bonuses when you open a new checking
or savings account. To qualify for this one-time perk, you’ll likely have to set
up direct deposit with the bank and keep the account open for at least a few
months.
Why you can trust NerdWallet: Our writers and editors follow strict editorial
guidelines to make sure our coverage is fair and accurate, so you can choose the
financial accounts that work best for you. See our criteria for evaluating banks
and credit unions.
For more sustained earnings on balances, consider one of NerdWallet’s best
high-yield online savings accounts. These accounts are free and have annual
percentage yields above 4%. (The national average for savings accounts is just
0.46%.) A $10,000 balance would earn more than $400 per year in interest with
one of these high-yield accounts.
Here are the details on NerdWallet’s favorite bonuses this month, including
checking account promotions and savings account bonuses. Some banks have looser
rules than others; we’ve outlined those requirements below. Note that not all
products or offers are available in all regions. Scroll down for more specific
details on each bonus.
Summary of best bank promotions and bonuses
Best bank bonus for checking and savings
* PNC Bank Virtual Wallet Checking Pro: $200 bonus offer
* PNC Bank Virtual Wallet: Up to $400 bonus offer
* SoFi Checking and Savings: Up to $250 bonus offer
Best bank bonuses for savings
* Alliant Credit Union The Ultimate Opportunity Savings: $100 bonus offer
* Discover Online Savings Account: $150 or $200 bonus offer
Best bank bonuses for checking
* Axos Rewards Checking: Up to $300 bonus offer
* Bank of America Advantage Banking: $200 bonus offer
* BMO checking: Up to $600 bonus offer
* Chase Secure Banking℠: $100 bonus offer
* Chase Total Checking®: $200 bonus offer
* Citi Priority Account: Up to $2,000 cash bonus offer
* Citigold® Checking Account: Up to $2,000 cash bonus offer
* U.S. Bank Smartly Checking: Up to $450 bonus offer
* Wells Fargo Everyday Checking: $300 bonus offer
Best bank bonus for business checking
* Chase business checking: $300 bonus offer
Bank promotions generally consist of cash bonuses when you open a new checking
or savings account. To qualify for this one-time perk, you’ll likely have to set
up direct deposit with the bank and keep the account open for at least a few
months.
Why you can trust NerdWallet: Our writers and editors follow strict editorial
guidelines to make sure our coverage is fair and accurate, so you can choose the
financial accounts that work best for you. See our criteria for evaluating banks
and credit unions.
For more sustained earnings on balances, consider one of NerdWallet’s best
high-yield online savings accounts. These accounts are free and have annual
percentage yields above 4%. (The national average for savings accounts is just
0.46%.) A $10,000 balance would earn more than $400 per year in interest with
one of these high-yield accounts.
Here are the details on NerdWallet’s favorite bonuses this month, including
checking account promotions and savings account bonuses. Some banks have looser
rules than others; we’ve outlined those requirements below. Note that not all
products or offers are available in all regions. Scroll down for more specific
details on each bonus.
Summary of best bank promotions and bonuses
Best bank bonus for checking and savings
* PNC Bank Virtual Wallet Checking Pro: $200 bonus offer
* PNC Bank Virtual Wallet: Up to $400 bonus offer
* SoFi Checking and Savings: Up to $250 bonus offer
Best bank bonuses for savings
* Alliant Credit Union The Ultimate Opportunity Savings: $100 bonus offer
* Discover Online Savings Account: $150 or $200 bonus offer
Best bank bonuses for checking
* Axos Rewards Checking: Up to $300 bonus offer
* Bank of America Advantage Banking: $200 bonus offer
* BMO checking: Up to $600 bonus offer
* Chase Secure Banking℠: $100 bonus offer
* Chase Total Checking®: $200 bonus offer
* Citi Priority Account: Up to $2,000 cash bonus offer
* Citigold® Checking Account: Up to $2,000 cash bonus offer
* U.S. Bank Smartly Checking: Up to $450 bonus offer
* Wells Fargo Everyday Checking: $300 bonus offer
Best bank bonus for business checking
* Chase business checking: $300 bonus offer
Show More
Discover the bank accounts that fit your financial goals
Just answer a few questions to compare bank accounts that meet your needs.
Get Started
Show accounts available in
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ColumbiaDelawareFloridaGeorgiaHawaiiIdahoIllinoisIndianaIowaKansasKentuckyLouisianaMaineMarylandMassachusettsMichiganMinnesotaMississippiMissouriMontanaNebraskaNevadaNew
HampshireNew JerseyNew MexicoNew YorkNorth CarolinaNorth
DakotaOhioOklahomaOregonPennsylvaniaRhode IslandSouth CarolinaSouth
DakotaTennesseeTexasUtahVermontVirginiaWashingtonWest VirginiaWisconsinWyoming
BEST BANK BONUSES AND PROMOTIONS
Bank/institutionNerdWallet rating
NerdWallet's ratings are determined by our editorial team. The scoring formulas
take into account multiple data points for each financial product and service.
APYBonusLearn more
SoFi Checking and Savings
Learn more
at SoFi Bank, N.A., Member FDIC
4.5
/5
Best for Checking and Savings
1.20%
SoFi members with Direct Deposit or $5,000 or more in Qualifying Deposits during
the 30-Day Evaluation Period can earn 4.60% annual percentage yield (APY) on
savings balances (including Vaults) and 0.50% APY on checking balances. There is
no minimum Direct Deposit amount required to qualify for the stated interest
rate. Members without either Direct Deposit or Qualifying Deposits, during the
30-Day Evaluation Period will earn 1.20% APY on savings balances (including
Vaults) and 0.50% APY on checking balances. Interest rates are variable and
subject to change at any time. These rates are current as of 10/24/2023. There
is no minimum balance requirement. Additional information can be found at
http://www.sofi.com/legal/banking-rate-sheet.
With $0 min. balance for APY
$250
Earn up to $250 with direct deposit. Terms apply.
Learn more
at SoFi Bank, N.A., Member FDIC
Discover Bank Online Savings
Learn more
at Discover Bank, Member FDIC
4.5
/5
Best for Savings
4.35%
Annual Percentage Yield (APY) is accurate as of 10/27/2023
With $0 min. balance for APY
$200
To get your $150 or $200 Bonus: What to do: Apply for your first Discover Online
Savings Account, online, in the Discover App or by phone. Enter Offer Code NW923
when applying. Deposit into your account a total of at least $15,000 to earn a
$150 Bonus or deposit a total of at least $25,000 to earn a $200 Bonus. Deposit
must be posted to account within 30 days of account open date. Maximum bonus
eligibility is $200. What to know: Offer not valid for existing or prior
Discover savings customers or existing or prior customers with savings accounts
that are co-branded, or affinity accounts provided by Discover. Eligibility is
based on primary account owner. Account must be open when bonus is credited.
Bonus will be credited to the account within 60 days of the account qualifying
for the bonus. Bonus is interest and subject to reporting on Form 1099-INT.
Offer ends 12/14/2023, 11:59 PM ET. Offer may be modified or withdrawn without
notice.
Requirements to qualify
Learn more
at Discover Bank, Member FDIC
Axos Bank® Rewards Checking
Learn more
at Axos Bank®, Member FDIC
5.0
/5
Best for Checking
3.30%
Your annual percentage yield can be as high as 3.30% based on the following
combined rate rewards: direct deposits (not including intra-bank transfers from
another account) totaling $1,500 or more each month will earn 0.40%. A
qualifying direct deposit is required for the remaining interest rate
qualifications to apply. Ten (10) point-of-sale transactions per month using
your Rewards Checking Visa® Debit Card for normal everyday purchases with a
minimum of $3 per transaction, or enrolling in Account Aggregation/Personal
Finance Manager (PFM) will earn 0.30%; maintaining an average daily balance of
at least $2,500 per month in an Axos Self Directed Trading Invest account will
earn 1.00%; maintaining an average daily balance of at least $2,500 a month in
an Axos Managed Portfolio Invest account will earn 1.00%; and making a monthly
payment to an open Axos Bank consumer loan (commercial and business loans
excluded) via transfer from your Rewards Checking account will earn a maximum of
0.60%.
With $0 min. balance for APY
$300
Earn $300 with direct deposit. Terms apply.
Learn more
at Axos Bank®, Member FDIC
Chase Total Checking®
Learn more
at Chase, Member FDIC
4.5
/5
Best for Checking
N/A
$200
New Chase checking customers enjoy a $200 bonus when you open a Chase Total
Checking® account and make direct deposits totaling $500 or more within 90 days
of coupon enrollment.
Requirements to qualify
Learn more
at Chase, Member FDIC
Chase Secure Banking℠
Learn more
at Chase, Member FDIC
3.5
/5
Best for Checking
N/A
$100
New Chase checking customers enjoy a $100 checking account bonus when you open a
Chase Secure Banking℠ account with qualifying transactions. Qualifying
transactions include debit card purchases, Zelle®, ACH credits, Chase
QuickDeposit℠ or online bill payments. Your bonus will appear in your account
within 15 days after completing the qualifying transactions.
Requirements to qualify
Learn more
at Chase, Member FDIC
Citigold Relationship Tier
Learn more
at Citibank, N.A.
4.0
/5
Best for Checking
N/A
$0
Earn up to $2,000 in cash bonus. The eligible bonus amount depends on the amount
of the balance that’s deposited. You can earn a cash bonus of $200, $500,
$1,000, $1,500, or $2,000
Requirements to qualify
Learn more
at Citibank, N.A.
Chase Business Complete Banking℠
Learn more
at Chase, Member FDIC
5.0
/5
Best for Business Checking
N/A
$300
Earn $300 when you open a Chase Business Complete Checking® account. For new
business checking customers with qualifying activities.
Requirements to qualify
Learn more
at Chase, Member FDIC
U.S. Bank Smartly® Checking
Learn more
at U.S. Bank, Member FDIC
3.5
/5
Best for Checking
N/A
$450
Earn up to $450 when you open a new U.S. Bank Smartly® Checking account and a
Standard Savings account online and complete qualifying activities. Subject to
certain terms and limitations. Offer valid through November 30, 2023. Member
FDIC. Applicant must reside in AZ, AR, CA, CO, ID, IL, IN, IA, KS, KY, MN, MO,
MT, NE, NV, NM, NC, ND, OH, OR, SD, TN, UT, WA, WI, WY to be eligible for
Checking account
Requirements to qualify
Learn more
at U.S. Bank, Member FDIC
Citi® Priority Relationship Tier
Learn more
at Citibank, N.A.
3.5
/5
Best for Checking
N/A
$0
Earn up to $2,000 in cash bonus. The eligible bonus amount depends on the amount
of the balance that’s deposited. You can earn a cash bonus of $200, $500,
$1,000, $1,500, or $2,000
Requirements to qualify
Learn more
at Citibank, N.A.
Bank of America Advantage Plus Banking®
Learn more
at Bank of America, N.A., Member FDIC
3.5
/5
Best for Checking
N/A
$200
See offer page for more details
Learn more
at Bank of America, N.A., Member FDIC
Alliant Credit Union Ultimate Opportunity Savings Account
Read review
4.5
/5
Best for Savings
3.10%
With $100 min. balance for APY
$100
This promotion is for new Alliant Credit Union members only. Alliant members can
only receive this payout bonus one time. New Alliant Credit Union members can
earn a $100 bonus deposit by joining Alliant through Suze Orman’s The Ultimate
Opportunity Savings Account promotion and meeting the following requirements.
Offer valid for one new Alliant Credit Union savings account (“account”) opened
from January 10, 2021, through December 31, 2023; funded by transfers and/or
deposits totaling $100 or more each month for 12 consecutive months; and opened
by applying online from this page or by phone at 800-328-1935 and mentioning
“Suze Orman’s The Ultimate Opportunity Savings Account promotion.” Existing
Alliant members, customers who are a joint owner on an Alliant savings account,
and former Alliant members who closed an Alliant savings account within 180 days
of applying for the new account are not eligible. The first $100 must be
transferred and/or deposited within 30 days of account opening, and each
calendar month after the first $100 transfer/deposit, funds need to post to the
account by the last day of the month. Account must remain open and in good
standing, maintain an average daily minimum balance of $100, and the balance at
the end of the 12-calendar-month period must be $1,200 or more in order to
receive the $100 bonus deposit. Accounts will be reviewed 12 months from the
date of the first transfer/deposit to determine eligibility. If all requirements
have been met after 12 months, please allow 4 weeks for the $100 bonus deposit
to post to your account. You will be responsible for any tax liability. Offer is
not transferable and not valid for trusts, UTMAs, IRAs or other tax-exempt
accounts. Limit one offer per new Alliant member. All account applications are
subject to approval. You must apply for the account by 11:59 p.m. CT on December
31, 2023, to be eligible. Must be 18 or older at time of account opening and a
legal U.S. Resident or U.S. Person (including a U.S. Resident Alien) to be
eligible. Alliant employees are not eligible for this promotion. This promotion
is subject to all federal, state and local laws and regulations and governed by
Illinois law. Promotion is sponsored by Alliant Credit Union, 11545 W. Touhy
Ave., Chicago, IL 60666.
Requirements to qualify
Read review
PNC Virtual Wallet® Checking Pro - Spend
Read review
5.0
/5
Best for Checking and Savings
N/A
$200
Earn $200 when you open and use a new PNC Virtual Wallet® Checking Pro
Requirements to qualify
Read review
BMO Smart Advantage Checking
Read review
4.5
/5
Best for Checking
N/A
$400
Earn a $400 cash bonus when you have a total of at least $4,000 in qualifying
direct deposits within the first 120 days
Requirements to qualify
Read review
PNC Virtual Wallet Spend
Read review
5.0
/5
Best for Checking and Savings
N/A
$400
Earn up to $400 when you open and use a select new PNC Virtual Wallet
Requirements to qualify
Read review
Wells Fargo Everyday Checking
Read review
4.0
/5
Best for Checking
N/A
$300
Open an Everyday Checking account with a minimum opening deposit of $25 from the
offer webpage. Complete the qualifying requirements to receive your $300 bonus.
This offer is for new checking customers only.
Requirements to qualify
Read review
Our pick for
Checking and Savings
SOFI CHECKING AND SAVINGS
NerdWallet rating
NerdWallet's ratings are determined by our editorial team. The scoring formulas
take into account multiple data points for each financial product and service.
4.5
/5
Learn more
at SoFi Bank, N.A., Member FDIC
APY
1.20%SoFi members with Direct Deposit or $5,000 or more in Qualifying Deposits
during the 30-Day Evaluation Period can earn 4.60% annual percentage yield (APY)
on savings balances (including Vaults) and 0.50% APY on checking balances. There
is no minimum Direct Deposit amount required to qualify for the stated interest
rate. Members without either Direct Deposit or Qualifying Deposits, during the
30-Day Evaluation Period will earn 1.20% APY on savings balances (including
Vaults) and 0.50% APY on checking balances. Interest rates are variable and
subject to change at any time. These rates are current as of 10/24/2023. There
is no minimum balance requirement. Additional information can be found at
http://www.sofi.com/legal/banking-rate-sheet.
Bonus
$250
Our Take
Why We Like It
If you’re looking for a combination checking-and-savings account, this bonus is
a standout. It offers a few different tiers to earn a cash bonus of up to $250
(the bonus amount differs based on the amount you direct deposit).
What you'll get: $50 or $250.
Expiration: 12/31/2023.
How to get it: Open a new SoFi Checking and Savings account (or be an existing
SoFi customer who hasn’t made direct deposits before) on the offer page. Make at
least one direct deposit in any amount before the promotion expiration date.
Deposit $1,000 to $4,999.99 to earn a $50 bonus or deposit $5,000 or more to
earn a $250 bonus.
Where to open: Online.
Who can qualify: Customers who open a new SoFi Checking and Savings account, or
existing SoFi customers who haven’t previously made direct deposits.
When you’ll get it: Within seven business days after the 25-day evaluation
period following the receipt of the first qualifying direct deposit.
Monthly fee: $0.
PNC VIRTUAL WALLET® CHECKING PRO - SPEND
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take into account multiple data points for each financial product and service.
5.0
/5
Read review
Monthly fee
$0
APY
N/A
Bonus
$200Earn $200 when you open and use a new PNC Virtual Wallet® Checking Pro
Our Take
Why We Like It
This bonus offer allows you to earn a cash bonus with your choice of either a
new combination checking-and-savings account or a new checking account only.
What you'll get: $200.
Expiration: 12/31/2023.
How to get it: Open a new Virtual Wallet Checking Pro with a checking account
only, or with both checking and savings on the offer page and receive a total of
at least $2,000 in qualifying direct deposits within 60 days of opening the
account.
Where to open: Online.
Who can qualify: Anyone who does not currently have a PNC checking account, has
not closed an account within the last 90 days or received a PNC promotional
payment within the last 24 months. Availability varies by location; you can
check your eligibility on the website.
When you'll get it: The bonus will be credited to your account, which must be
open, within 60-90 days after you’ve met the requirements.
Monthly fee: $0.
PNC VIRTUAL WALLET SPEND
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take into account multiple data points for each financial product and service.
5.0
/5
Read review
Monthly fee
$7.00
APY
N/A
Bonus
$400Earn up to $400 when you open and use a select new PNC Virtual Wallet
Our Take
Why We Like It
This bonus stands out for rewarding you if you set up a direct deposit as low as
$500. Tiered bonuses are also available, so the more you deposit, the more you
can earn — up to $400.
What you'll get: $100, $200 or $400.
Expiration: 12/31/2023.
How to get it: Open a Virtual Wallet, Virtual Wallet with Performance Spend or
Virtual Wallet with Performance Select account on the offer page and receive a
total of at least $500, $2,000 or $5,000 in qualifying direct deposits,
respectively, within 60 days of opening the account. Opening a Virtual Wallet
account and meeting the criteria will earn you $100; opening a Virtual Wallet
with Performance Spend account and meeting the criteria will earn you $200;
opening a Virtual Wallet with Performance Select account and meeting the
criteria will earn you $400.
Where to open: Online.
Who can qualify: Anyone who does not currently have a PNC checking account, has
not closed a PNC account within the last 90 days or received a PNC promotional
payment within the last 24 months. Availability may vary by your location; you
can check your eligibility on the website.
When you'll get it: The bonus will be credited to your account, which must be
open, within 60-90 days after you’ve met the requirements.
Monthly fee: Can be waived; see bank site for details.
Our pick for
Savings
DISCOVER BANK ONLINE SAVINGS
NerdWallet rating
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take into account multiple data points for each financial product and service.
4.5
/5
Learn more
at Discover Bank, Member FDIC
APY
4.35%Annual Percentage Yield (APY) is accurate as of 10/27/2023
Bonus
$200To get your $150 or $200 Bonus: What to do: Apply for your first Discover
Online Savings Account, online, in the Discover App or by phone. Enter Offer
Code NW923 when applying. Deposit into your account a total of at least $15,000
to earn a $150 Bonus or deposit a total of at least $25,000 to earn a $200
Bonus. Deposit must be posted to account within 30 days of account open date.
Maximum bonus eligibility is $200. What to know: Offer not valid for existing or
prior Discover savings customers or existing or prior customers with savings
accounts that are co-branded, or affinity accounts provided by Discover.
Eligibility is based on primary account owner. Account must be open when bonus
is credited. Bonus will be credited to the account within 60 days of the account
qualifying for the bonus. Bonus is interest and subject to reporting on Form
1099-INT. Offer ends 12/14/2023, 11:59 PM ET. Offer may be modified or withdrawn
without notice.
Our Take
Why We Like It
Get a cash bonus for opening one of the best online savings accounts available.
Choose the deposit amount that works for you and earn up to $200.
What you'll get: $150 or $200.
Expiration: 12/14/2023.
How to get it: Open your first Online Savings Account and use offer code NW923
when applying. Earn a $150 bonus by depositing at least $15,000 or earn a $200
bonus by depositing at least $25,000. Make your deposit within 30 days of
account open date. Your account must be open to receive the bonus.
Where to open: Online, by phone or in the Discover app.
Who can qualify: Customers who are opening their first Discover Online Savings
Accounts. People who have a savings account or previously had a savings account,
including co-branded or affinity accounts provided by Discover, are not
eligible.
When you’ll get it: The bonus will be credited to your account within 60 days of
meeting the requirements.
Monthly fee: $0.
Details on bonus from Discover: "To get your $150 or $200 Bonus: What to do:
Apply for your first Discover Online Savings Account, online, in the Discover
App or by phone. Enter Offer Code NW923 when applying. Deposit into your account
a total of at least $15,000 to earn a $150 Bonus or deposit a total of at least
$25,000 to earn a $200 Bonus. Deposit must be posted to account within 30 days
of account open date. Maximum bonus eligibility is $200.
What to know: Offer not valid for existing or prior Discover savings customers
or existing or prior customers with savings accounts that are co-branded, or
affinity accounts provided by Discover. Eligibility is based on primary account
owner. Account must be open when bonus is credited. Bonus will be credited to
the account within 60 days of the account qualifying for the bonus. Bonus is
interest and subject to reporting on Form 1099-INT. Offer ends 12/14/2023, 11:59
PM ET. Offer may be modified or withdrawn without notice."
ALLIANT CREDIT UNION ULTIMATE OPPORTUNITY SAVINGS ACCOUNT
NerdWallet rating
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take into account multiple data points for each financial product and service.
4.5
/5
Read review
APY
3.10%
Bonus
$100This promotion is for new Alliant Credit Union members only. Alliant members
can only receive this payout bonus one time. New Alliant Credit Union members
can earn a $100 bonus deposit by joining Alliant through Suze Orman’s The
Ultimate Opportunity Savings Account promotion and meeting the following
requirements. Offer valid for one new Alliant Credit Union savings account
(“account”) opened from January 10, 2021, through December 31, 2023; funded by
transfers and/or deposits totaling $100 or more each month for 12 consecutive
months; and opened by applying online from this page or by phone at 800-328-1935
and mentioning “Suze Orman’s The Ultimate Opportunity Savings Account
promotion.” Existing Alliant members, customers who are a joint owner on an
Alliant savings account, and former Alliant members who closed an Alliant
savings account within 180 days of applying for the new account are not
eligible. The first $100 must be transferred and/or deposited within 30 days of
account opening, and each calendar month after the first $100 transfer/deposit,
funds need to post to the account by the last day of the month. Account must
remain open and in good standing, maintain an average daily minimum balance of
$100, and the balance at the end of the 12-calendar-month period must be $1,200
or more in order to receive the $100 bonus deposit. Accounts will be reviewed 12
months from the date of the first transfer/deposit to determine eligibility. If
all requirements have been met after 12 months, please allow 4 weeks for the
$100 bonus deposit to post to your account. You will be responsible for any tax
liability. Offer is not transferable and not valid for trusts, UTMAs, IRAs or
other tax-exempt accounts. Limit one offer per new Alliant member. All account
applications are subject to approval. You must apply for the account by 11:59
p.m. CT on December 31, 2023, to be eligible. Must be 18 or older at time of
account opening and a legal U.S. Resident or U.S. Person (including a U.S.
Resident Alien) to be eligible. Alliant employees are not eligible for this
promotion. This promotion is subject to all federal, state and local laws and
regulations and governed by Illinois law. Promotion is sponsored by Alliant
Credit Union, 11545 W. Touhy Ave., Chicago, IL 60666.
Our Take
Why We Like It
This bonus rewards you for building a savings habit; the savings account offers
a strong interest rate and the credit union is easy to join.
What you'll get: $100.
Expiration: 12/31/2023.
How to get it: Open a new The Ultimate Opportunity Savings account online at the
promotional page, or by phone at 800-328-1935 and mention Suze Orman’s The
Ultimate Opportunity Savings Account promotion. Then transfer or deposit the
first $100 within 30 days, make transfers or deposits totaling at least $100 or
more each month for the next 11 consecutive months, and keep an average daily
balance of at least $100. To receive the bonus, at the end of the 12-month
period your account must be open with a balance of at least $1,200.
Where to open: Online or by phone.
Who can qualify: New Alliant Credit Union members only. People who have closed
an Alliant savings account within 180 days, existing members and joint owners on
Alliant savings accounts are not eligible.
When you’ll get it: The bonus will be credited to your account within four weeks
of meeting the requirements.
Monthly fee: Can be waived; see credit union site for details.
Our pick for
Checking
AXOS BANK® REWARDS CHECKING
NerdWallet rating
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take into account multiple data points for each financial product and service.
5.0
/5
Learn more
at Axos Bank®, Member FDIC
Monthly fee
$0
APY
3.30%Your annual percentage yield can be as high as 3.30% based on the following
combined rate rewards: direct deposits (not including intra-bank transfers from
another account) totaling $1,500 or more each month will earn 0.40%. A
qualifying direct deposit is required for the remaining interest rate
qualifications to apply. Ten (10) point-of-sale transactions per month using
your Rewards Checking Visa® Debit Card for normal everyday purchases with a
minimum of $3 per transaction, or enrolling in Account Aggregation/Personal
Finance Manager (PFM) will earn 0.30%; maintaining an average daily balance of
at least $2,500 per month in an Axos Self Directed Trading Invest account will
earn 1.00%; maintaining an average daily balance of at least $2,500 a month in
an Axos Managed Portfolio Invest account will earn 1.00%; and making a monthly
payment to an open Axos Bank consumer loan (commercial and business loans
excluded) via transfer from your Rewards Checking account will earn a maximum of
0.60%.
Bonus
$300
Our Take
Why We Like It
Earn a competitive APY with one of the best checking accounts available, plus
get a cash bonus for opening a new account and meeting a minimum direct deposit
requirement.
What you’ll get: Up to $300.
Expiration: 12/31/2023.
How to get it: Apply for a new Axos Rewards Checking account online at the offer
page and use the promo code AXOS300. Fund the account within 30 days of opening,
make direct deposits totaling at least $5,000 each calendar month for the first
seven months from account opening, and have and maintain an average daily
balance of at least $7,000 for the month you open your account and for the first
seven months. Within the first seven statement cycles you’ll earn $50 each month
(up to six times) by meeting the requirements. Keep the account open for at
least 210 days to avoid an early closure fee.
Where to open: Online.
Who can qualify: This offer is valid for one new account per year only.
When you'll get it: The bonus will be deposited into the new checking account
within 10 business days after the end of the statement cycle.
Monthly fee: $0.
CHASE TOTAL CHECKING®
NerdWallet rating
NerdWallet's ratings are determined by our editorial team. The scoring formulas
take into account multiple data points for each financial product and service.
4.5
/5
Learn more
at Chase, Member FDIC
Monthly fee
$12.00
APY
N/A
Bonus
$200New Chase checking customers enjoy a $200 bonus when you open a Chase Total
Checking® account and make direct deposits totaling $500 or more within 90 days
of coupon enrollment.
Our Take
Why We Like It
The Total Checking bank bonus is one of the best available. You can earn it by
meeting a minimum direct deposit requirement within 90 days.
What you'll get: $200.
Expiration: 01/24/2024.
How to get it: Open a Chase Total Checking® account online or in person using a
coupon emailed to you through the promotional page. You must make at least $500
in direct deposits into the account within 90 days of opening the account.
Where to open: The account can be opened online or at a Chase branch (find a
location near you).
Who can qualify: New Chase checking customers. You must not have had a Chase
checking account within the last 90 days or had one closed with a negative
balance within the last three years. In addition, you may receive only one new
checking account opening bonus every two years from the last enrollment date,
and you’re limited to one bonus per account.
When you’ll get it: The bonus will be deposited into your account within 15 days
after your first direct deposit.
Monthly fee: Can be waived; see bank site for details.
» Learn more: Get more details about Chase checking account bonuses
CHASE SECURE BANKING℠
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take into account multiple data points for each financial product and service.
3.5
/5
Learn more
at Chase, Member FDIC
Monthly fee
$4.95
APY
N/A
Bonus
$100New Chase checking customers enjoy a $100 checking account bonus when you
open a Chase Secure Banking℠ account with qualifying transactions. Qualifying
transactions include debit card purchases, Zelle®, ACH credits, Chase
QuickDeposit℠ or online bill payments. Your bonus will appear in your account
within 15 days after completing the qualifying transactions.
Our Take
Why We Like It
Unlike most bank bonus offers on this list, the Chase Secure Banking bonus
doesn’t require direct deposit.
What you'll get: $100.
Expiration: 01/24/2024.
How to get it: Open a Chase Secure Banking℠ account online or in person using a
coupon emailed to you through the promotional page. You must complete 10
qualifying transactions within 60 days of opening the account.
Where to open: The account can be opened online or at a Chase branch (find a
location near you).
Who can qualify: New Chase checking customers. You must not have had a Chase
checking account within the last 90 days or had one closed with a negative
balance in the last three years. In addition, you may receive only one new
checking account opening bonus every two years from the last enrollment date,
and you’re limited to one bonus per account.
When you’ll get it: The bonus will be deposited into your account within 15 days
after the 10 qualifying transactions have posted.
Monthly fee: See bank site for details.
CITIGOLD RELATIONSHIP TIER
NerdWallet rating
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take into account multiple data points for each financial product and service.
4.0
/5
Learn more
at Citibank, N.A.
Monthly fee
$0
APY
N/A
Bonus
$0Earn up to $2,000 in cash bonus. The eligible bonus amount depends on the
amount of the balance that’s deposited. You can earn a cash bonus of $200, $500,
$1,000, $1,500, or $2,000
Our Take
Why We Like It
If you’re looking for a premium bank account that requires a high minimum
balance across eligible linked accounts, this offer could be right for you. You
can earn cash by depositing an amount that works for you; tiered bonuses range
from $200 to $2,000.
What you'll get: $200, $500, $1,000, $1,500 or $2,000.
Expiration: 01/09/2024.
How to get it: Open a Citi checking account and deposit at least $10,000 within
20 days and maintain that daily balance (either in the new checking account
only, or across a new checking account and new savings account) for 60 more
days. Deposit from $10,000 to $29,999 to earn $200, from $30,000 to $74,999 to
earn $500, from $75,000 to $199,999 to earn $1,000, from $200,000 to $299,999 to
earn $1,500, or $300,000 or more to earn $2,000. Your balance on the 20th day
will determine your bonus earning. Funds must be new to Citibank®. Your account
must be open and in good standing to receive the bonus.
Where to open: Online.
Who can qualify: You must not have had a checking account with Citibank for the
last 180 days to take advantage of the offer.
When you’ll get it: You’ll receive the bonus within 30 days of meeting the
requirements.
U.S. BANK SMARTLY® CHECKING
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take into account multiple data points for each financial product and service.
3.5
/5
Learn more
at U.S. Bank, Member FDIC
Monthly fee
$6.95
APY
N/A
Bonus
$450Earn up to $450 when you open a new U.S. Bank Smartly® Checking account and
a Standard Savings account online and complete qualifying activities. Subject to
certain terms and limitations. Offer valid through November 30, 2023. Member
FDIC. Applicant must reside in AZ, AR, CA, CO, ID, IL, IN, IA, KS, KY, MN, MO,
MT, NE, NV, NM, NC, ND, OH, OR, SD, TN, UT, WA, WI, WY to be eligible for
Checking account
Our Take
Why We Like It
U.S. Bank Smartly® Checking is a streamlined checking account, and this bank
bonus is a decent reward for opening a new account and meeting the requirements.
Additional bonuses can be earned for opening a savings account and meeting
requirements.
What you'll get: Up to $450.
Expiration: 11/30/2023.
How to get it: Open a U.S. Bank Smartly® Checking account and a Standard Savings
account at the promo page and complete qualifying activities.
U.S. Bank says: "Earn up to $450 when you open a new U.S. Bank Smartly® Checking
account and a Standard Savings account online and complete qualifying
activities. Subject to certain terms and limitations. Offer valid through
November 30, 2023. Member FDIC.
Earn $350 with a new Bank Smartly Checking account. Complete the following
within 90 days of account opening: -Enroll in online banking or the U.S. Bank
Mobile App -Make two or more direct deposits totaling $7,500 or more
Earn $100 with a new Standard Savings account. -Deposit $15,000 or more by
December 30, 2023 -Maintain $15,000 or more until June 30, 2024”
Where to open: Online.
Who can qualify: Must live in Arizona, Arkansas, California, Colorado, Idaho,
Illinois, Indiana, Iowa, Kansas, Kentucky, Minnesota, Missouri, Montana,
Nebraska, Nevada, New Mexico, North Carolina, North Dakota, Ohio, Oregon, South
Dakota, Tennessee, Utah, Washington, Wisconsin or Wyoming to be eligible for a
checking account. U.S. Bank says: “Applicant must reside in AZ, AR, CA, CO, ID,
IL, IN, IA, KS, KY, MN, MO, MT, NE, NV, NM, NC, ND, OH, OR, SD, TN, UT, WA, WI,
WY to be eligible for Checking account."
When you’ll get it: Get the checking bonus within 60 days of verification that
you have met the requirements.
Monthly fee: Can be waived; see bank site for details.
CITI® PRIORITY RELATIONSHIP TIER
NerdWallet rating
NerdWallet's ratings are determined by our editorial team. The scoring formulas
take into account multiple data points for each financial product and service.
3.5
/5
Learn more
at Citibank, N.A.
Monthly fee
$0
APY
N/A
Bonus
$0Earn up to $2,000 in cash bonus. The eligible bonus amount depends on the
amount of the balance that’s deposited. You can earn a cash bonus of $200, $500,
$1,000, $1,500, or $2,000
Our Take
Why We Like It
This is a premium checking account that has a lower minimum balance requirement
than other premium accounts at this bank. You can earn cash by depositing an
amount that works for you; tiered bonuses range from $200 to $2,000.
What you'll get: $200, $500, $1,000, $1,500 or $2,000.
Expiration: 01/09/2024.
How to get it: Open a Citi checking account and deposit at least $10,000 within
20 days and maintain that daily balance (either in the new checking account
only, or across a new checking account and new savings account) for 60 more
days. Deposit from $10,000 to $29,999 to earn $200, from $30,000 to $74,999 to
earn $500, from $75,000 to $199,999 to earn $1,000, from $200,000 to $299,999 to
earn $1,500, or $300,000 or more to earn $2,000. Your balance on the 20th day
will determine your bonus earning. Funds must be new to Citibank®. Your account
must be open and in good standing to receive the bonus.
Where to open: Online.
Who can qualify: You must not have had a checking account with Citibank for the
last 180 days to take advantage of the offer.
When you’ll get it: You’ll receive the bonus within 30 days of meeting the
requirements.
» Learn more: Get more details about Citi checking account bonuses
BANK OF AMERICA ADVANTAGE PLUS BANKING®
NerdWallet rating
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take into account multiple data points for each financial product and service.
3.5
/5
Learn more
at Bank of America, N.A., Member FDIC
Monthly fee
$12.00
APY
N/A
Bonus
$200
Our Take
Why We Like It
This bonus offer is unique as it rewards you for opening (and direct depositing
into) your choice of checking account at one of the largest banks in the U.S.
You can choose to try and earn this bonus with one of three different accounts.
What you'll get: $200.
Expiration: 01/31/2024.
How to get it: Open a Bank of America Advantage Banking account through the Bank
of America promotional page. Use the code TWT200CIS when enrolling. Deposit $25
to open a SafeBalance Banking® account or $100 to open an Advantage Plus Banking
or Advantage Relationship Banking account. Receive qualifying direct deposits
totaling at least $2,000 within 90 days of opening the account. Your account
must be open and in good standing to receive the bonus. Additional terms and
conditions apply. See offer page for more details.
Where to open: Online.
Who can qualify: This is an online-only offer for new checking customers only.
Bank of America says: “You are not eligible for this offer if you were an owner
or co-owner of a Bank of America personal checking account within the last
twelve (12) months.”
When you’ll get it: Bank of America says: “Bank of America will attempt to pay
bonus within 60 days."
Monthly fee: Can be waived; see bank site for details.
BMO SMART ADVANTAGE CHECKING
NerdWallet rating
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take into account multiple data points for each financial product and service.
4.5
/5
Read review
Monthly fee
$0
APY
N/A
Bonus
$400Earn a $400 cash bonus when you have a total of at least $4,000 in
qualifying direct deposits within the first 120 days
Our Take
Why We Like It
You can earn this bonus with one of three checking accounts at the bank — a
regular checking account, one that doesn’t allow overdrafts or one that offers
benefits for having more accounts with the same bank.
What you'll get: $400 or $600.
Expiration: 12/08/2023.
How to get it: Open a BMO Smart Advantage™ Checking, Smart Money™ Checking or
Relationship Checking account on the promotion page, by phone or at a branch
(using the promo code emailed to you from the promotion page) and receive a
total of at least $4,000 or $7,500 in qualifying direct deposits, respectively,
within 120 days of opening the account. Opening a Smart Advantage™ Checking or
Smart Money™ Checking account and meeting the criteria will earn you $400;
opening a Relationship account and meeting the criteria will earn you $600. The
account type you have at the end of those 120 days will determine the bonus you
receive.
Where to open: Online, by phone or at a branch.
Who can qualify: You must not have had a BMO personal checking account within
the past 12 months. You cannot receive a checking account bonus more than once.
When you’ll get it: About 130 days after opening the account.
Monthly fee: Can be waived; see bank site for details.
WELLS FARGO EVERYDAY CHECKING
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take into account multiple data points for each financial product and service.
4.0
/5
Read review
Monthly fee
$10.00
APY
N/A
Bonus
$300Open an Everyday Checking account with a minimum opening deposit of $25 from
the offer webpage. Complete the qualifying requirements to receive your $300
bonus. This offer is for new checking customers only.
Our Take
Why We Like It
This bonus offer is a good option if you want a checking account at one of the
largest banks in the U.S.
What you'll get: $300.
Expiration: 01/09/2024.
How to get it: Open a new Wells Fargo Everyday Checking account through the
promotional page or in a branch with a bonus offer code emailed to you from that
page. (The minimum deposit to open is $25.) Then receive at least $1,000 in
qualifying direct deposits into the account within 90 days of opening it.
Throughout this time, your account must remain open with a balance greater than
$0.
Where to open: Online or in a branch.
Who can qualify: You must not currently have a Wells Fargo consumer checking
account or have received a bonus for opening one within the last 12 months or
you are a Wells Fargo employee.
When you'll get it: You'll receive your bonus within 30 days of completing the
90-day qualification period.
Monthly fee: Can be waived; see bank site for details.
Our pick for
Business Checking
CHASE BUSINESS COMPLETE BANKING℠
NerdWallet rating
NerdWallet's ratings are determined by our editorial team. The scoring formulas
take into account multiple data points for each financial product and service.
5.0
/5
Learn more
at Chase, Member FDIC
Monthly fee
$15.00
APY
N/A
Bonus
$300Earn $300 when you open a Chase Business Complete Checking® account. For new
business checking customers with qualifying activities.
Our Take
Pros
* No minimum opening deposit.
* Unlimited fee-free electronic transactions.
* Integrated credit card processing.
* Welcome bonus for new customers (terms apply).
* No overdraft fee unless account is overdrawn by more than $50; 24-hour grace
period applies to overdrafts beyond that amount.
Cons
* $15 monthly fee.
* Monthly limit on fee-free cash deposits ($5,000) and physical transactions
(20).
* Fee for using out-of-network ATMs.
Why We Like It
This bonus is a good option if you need to open a business checking account at a
major bank and can meet the minimum deposit and balance requirements, plus
complete a handful of transactions.
What you'll get: $300.
Expiration: 01/18/2024.
How to get it: Open a new Business Complete Checking℠ account online or at a
branch, using the offer code emailed to you from the promotional page. Then
within 30 days, deposit at least $2,000 in new money to earn $300 or $15,000 in
new money to earn $500, and maintain a $2,000 balance for 60 days and complete
five qualifying transactions — such as debit card purchases, QuickAccept℠
deposits, QuickDeposits℠ and ACH or wire transfers — within 90 days.
Where to open: Online or in person at a Chase branch (location near you).
Who can qualify: Anyone who has not received a bonus related to a new Chase
business checking account opening in the last two years. Only one bonus is
allowed per account. Other restrictions apply.
When you’ll get it: The bonus will be deposited into your new account within 15
days of completing all the requirements.
Monthly fee: Can be waived; see bank site for details.
MORE ABOUT BANK BONUSES
WHAT DOES THE FED RATE INCREASE MEAN FOR BANK ACCOUNT BONUSES?
In September, the Federal Reserve announced it would not raise the federal funds
rate (the rate which commercial banks use to borrow and lend money to one
another). The Fed last increased the rate in July, which was the fourth change
this year. The Fed also increased the rate seven times in 2022. The changes
haven’t directly affected bank bonuses, but it could be a good time to open a
new bank account because recent Fed rate increases have resulted in higher
savings account interest rates. So you could take advantage of both a bank bonus
and higher APYs in a new savings account.
» MORE: See what the Fed rate means for savings accounts
ARE BANK ACCOUNT BONUSES WORTH IT?
Bank promotions can be worth the effort of opening a new account and adding
money if the reward is substantial enough and the requirements aren't too
difficult to meet. Before signing up for a new account to earn a bank bonus,
understand the details including what fees might be incurred and how long you
might have to wait for the bonus to be paid. Check out more things to look out
for when considering a bank sign-up bonus.
» Prefer an account that offers rewards beyond a sign-up bonus? Check out our
favorite rewards checking accounts
WHAT DO THE BEST BANK BONUSES HAVE IN COMMON?
The best bank promotions offer the opportunity to earn a significant cash bonus
for signing up for a new account with no fees or fees that are easy to get
waived.
ARE BANK BONUSES TAXABLE?
If you’ve earned a cash bonus for opening a new bank account, it's usually
taxable. You are responsible for covering any tax liability.
» Churning through accounts to get bonuses? Find out whether closing a bank
account hurts your credit
SHOULD I HAVE MORE THAN ONE CHECKING OR SAVINGS ACCOUNT?
It can be helpful to have multiple bank accounts — as long as you can meet the
requirements and minimums in order to avoid fees.
The number of checking and/or savings accounts you should have depends on your
individual situation. Married or partnered people, for example, might each want
to have their own accounts in addition to one or more shared accounts. You might
want to consider having accounts at different financial institutions for
different purposes — such as having an account with a bank that works well for
international travel if you’re frequently abroad, or with the bank that handles
your mortgage or other loans for more seamless payment transfers. (Learn the
signs that it's time to choose a new bank.)
» Looking for the right place to keep your savings? Check out NerdWallet's picks
for the best savings accounts
Last updated on November 1, 2023
METHODOLOGY
We consider bonuses offered by brick-and-mortar and online banks and credit
unions in the U.S. that NerdWallet has rated. Eligible bonuses are rated for
inclusion based primarily on the population eligible and the potential return on
money deposited. We also consider factors including bonus requirements, the
amount of time the account must remain open and account quality.
To recap our selections...
NERDWALLET'S BEST BANK BONUSES AND PROMOTIONS OF NOVEMBER 2023
* SoFi Checking and Savings: Best for Checking and Savings
* Discover Bank Online Savings: Best for Savings
* Axos Bank® Rewards Checking: Best for Checking
* Chase Total Checking®: Best for Checking
* Chase Secure Banking℠: Best for Checking
* Citigold Relationship Tier: Best for Checking
* Chase Business Complete Banking℠: Best for Business Checking
* U.S. Bank Smartly® Checking: Best for Checking
* Citi® Priority Relationship Tier: Best for Checking
* Bank of America Advantage Plus Banking®: Best for Checking
* Alliant Credit Union Ultimate Opportunity Savings Account: Best for Savings
* PNC Virtual Wallet® Checking Pro - Spend: Best for Checking and Savings
* BMO Smart Advantage Checking: Best for Checking
* PNC Virtual Wallet Spend: Best for Checking and Savings
* Wells Fargo Everyday Checking: Best for Checking
FREQUENTLY ASKED QUESTIONS
What banks offer money as a sign-up bonus for new accounts?
Various banks and credit unions offer cash bonuses for signing up for a new
account. You can find the best opportunities available by checking out our list
of the best bank bonuses and promotions, updated monthly.
How can you get $200 from Chase?
New checking customers can earn a $200 Chase checking account bonus by opening a
Total Checking® account and meeting requirements.
What banks have the best checking account bonus offers?
Both online and traditional banks offer strong savings and checking account
bonus offers. This month’s best bank promotions come from Alliant Credit Union,
Axos Bank, Bank of America, BMO, Chase, Citibank, Discover, PNC Bank, SoFi, U.S.
Bank and Wells Fargo.
ABOUT THE AUTHOR
RUTH SARREAL
Ruth Sarreal is a content management specialist at NerdWallet. She has written
and edited content on personal finance topics for more than five years. Read
more
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