15 best new bank account promotions and bonuses for July 2026: Earn up to $3,000
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.
Read the promotion details above to understand all the rules and requirements to earn the checking account bonus, including a super steep minimum transfer amount that may not be worthwhile. A previous bonus offered new checking customers the opportunity to earn a $200 Chase checking account bonus by opening a Chase Total Checking® account and meeting requirements. Open a no monthly maintenance fee Access Checking account, or view our other checking account options.
- 11TD Bank Mobile Deposit is available to Customers with an active checking, savings or money market account and using a supported, internet-enabled iOS or Android device with a camera.
- We will report the bonus as income to tax authorities, as required by applicable law.
- We’ve rounded up additional excellent checking account bonuses and savings account promotions below.
- 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.
- Deposit products are offered by Ally Bank, Member FDIC.
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.
Citibank Checking Accounts: $325 bonus
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.
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.
It's important to understand the full details before signing up for a new account to earn a bank bonus. The Fed also lowered the rate three times in late 2024 after increasing the rate four times in 2023 and seven times in 2022. The rate was lowered three times in 2025; the most recent change was made in December. ON THIS PAGEMore information about bank bonuses, checking account bonuses, and savings account bonuses Bonus$50 or $400 Earn $50 or $400 with eligible direct deposit. Check out the details on these offers to determine the best fit.
- That includes what fees might be incurred and how long you might have to wait for the bonus to be paid.
- Once you've met the requirements, your bonus will be deposited within 90 days.
- $10,000 relationship (receive $25 fee if below $10,000 threshold. See details.)
- If you’d like to open a new account, we’re here to help with current rates, term options and more.
- Each provider is evaluated across five weighted categories and 30 subcategories, including checking and savings accounts, certificates of deposit, customer experience, and overdraft services.
More information about bank bonuses, checking account bonuses, and savings account bonuses
If you are subject to backup withholding at the time of payment, we may withhold the required amount and remit to tax authorities. We will report the bonus as income to tax authorities, as required by applicable law. Once you have met all requirements, we will deposit the bonus into your new account within 30 calendar days. You must open a new, eligible checking account and make $1,000 or more in qualifying direct deposits within the first 90 days of offer enrollment.
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.
Open a new personal checking and savings account, earn up to $1,000.
The $250 bonus is deposited within 30 days after all requirements are met. There are no monthly fees or minimum deposit requirements for the account, and it earns a small amount of interest (0.10%) which beats the 0% you get from most other checking accounts. You can earn a $400 cash bonus by having at least $4,000 in qualifying direct deposits within the first 90 days. BMO Bank is currently offering a new account bonus on its Smart Advantage and Smart Money checking accounts. Once you've met the requirements, your bonus will be deposited within 90 days. 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.
Banner Bank will monitor the balances maintained in your account during the qualification period to determine bonus amount paid, betmica 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.
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.