Bank of America New Checking Account Bonus Offers (2026)

Bank of America is one of the largest banks in the United States, with over 70 million customers and business clients. It has a big physical footprint, too, with around 3,500 branch locations and about 15,000 branded ATMs. When it comes to bank account bonuses, it doesn’t shy away from them, so if you’re looking to switch to Bank of America, check out these bonus offers for 2026.

All Bank of America bonuses at a glance

Bank of America’s best bonus offer

The Bank of America Advantage SafeBalance Banking $100 offer isn’t too hard, actually. You just need to make at least 20 debit card or Zelle transactions to earn the $100 bonus.

Also, there’s a standout feature in the bonus requirement: Bank of America considers Zelle transactions as qualifying transactions. Most bank account bonuses don’t count Zelle transactions in bonus requirements. However, the Zelle transactions must be posted, and be money sent from or received into the same enrolled Bank of America Advantage SafeBalance Banking account.

Just remember that with either of Bank of America’s bonus offers, the accounts themselves do have opening deposit requirements and monthly fees to consider. The SafeBalance account has a $25 minimum opening deposit and $4.95 monthly fee (waived if you’re under age 25). The Advantage checking accounts both have a $100 minimum opening deposit, and Plus has a $12 monthly fee (waived with direct deposit) and Relationship checking has a $25 monthly fee (waived with a qualifying balance).

Compare more bank account bonuses

Not sure if Bank of America is the right bank for you? Compare the best bank account bonus offers.

Earn up to 4.00% APY

Revolut

$100 Reward

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On Revolut's secure site. T&Cs apply

• $0/mo plan available
• Earn up to 4.00% APY on balances up to $10k, based on plan
• No minimum balance or deposit requirements
• No withdrawal limits

Important information

The Annual Percentage Yield (APY) is a variable rate and may change at any time. These APYs are accurate as of 9/1/2026 and apply only to plan users in good standing. Plan fees apply and cancellation fees may apply for Premium and Metal plans. Terms & Conditions apply. No min. balance to open; $0.01 min. to earn APY. 4.00% APY for Metal plan users, 3.75% APY for Premium plan users, and 3.50% APY for Standard plan users with balances held in a Max Rate Savings Account. For balances in other Savings Account, the rate is 3.10% APY Metal, 3.00% for Premium, and 2.90% for Standard. Only 1 Max Rate Savings Account is permitted and is limited to $10,000 USD in user-initiated deposits. The max combined balance of all Savings Account is $250,000 per user. Savings Account services provided by Cross River Bank, Member FDIC, insured up to $250,000.

Up to 3.30% APY

SoFi Checking and Savings

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On SoFi's secure site

• Earn $50 or $400 when you sign up and set up eligible direct deposit
• 0.50% APY on checking balance
• Up to 3.30% APY on savings
• $0 account or overdraft fees

Important information

Earn up to 4.00% on savings

Current

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• No credit check required to apply
• No monthly fees or minimum deposit
• Build credit plus earn up to 4% bonus

Important information

Frequently asked questions

• What does Bank of America consider a qualifying transaction?

  For the SafeBalance checking bonus, qualifying transactions include digital or physical debit card transactions, and one-time payments or recurring payments using your debit card. It also considers posted Zelle transactions using the account.

• What does Bank of America consider a qualifying direct deposit?

  For the Advantage Plus and Advantage Relationship bonuses, a qualifying direct deposit is considered deposits for your salary, pension or Social Security benefits, made by your employer or other payer. Transactions that are not included in qualifying direct deposits include things like teller deposits, wire transfers, debit card transfers and ATM deposits.

• Can I get a Bank of America bonus if I'm already a customer?

  The current bank bonus offers from BofA are limited to individuals who have not owned or co-owned a Bank of America personal checking account within the last twelve calendar months.

• Are there banks with immediate sign-up bonuses?

  No. For the most part, you'll see banks offer bonuses with some requirements to get that bonus. After stipulations are met, it might take a few days (or even weeks) for the bonus to be delivered.

• Why do banks offer bank account bonuses?

  Bank account bonuses are designed to entice new customers to get their accounts.

To make sure you get accurate and helpful information, this guide has been edited by Richard Laycock as part of our fact-checking process.

Written by

Bethany Hickey

Banking editor

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Bethany Hickey is the banking editor and personal finance expert at Finder, specializing in banking, lending, insurance, and crypto. Bethany’s expertise in personal finance has garnered recognition from esteemed media outlets, such as Nasdaq, MSN, Yahoo Finance, GOBankingRates, SuperMoney, AOL and Newsweek. Her articles offer practical financial strategies to Americans, empowering them to make decisions that meet their financial goals. Her past work includes articles on generational spending and saving habits, lending, budgeting and managing debt. Before joining Finder, she was a content manager where she wrote hundreds of articles and news pieces on auto financing and credit repair for CarsDirect, Auto Credit Express and The Car Connection, among others. Bethany holds a BA in English from the University of Michigan-Flint, and was poetry editor for the university’s Qua Literary and Fine Arts Magazine. See full bio

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