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Checking Accounts

Best checking account bonuses

These accounts offer perks just for signing up.

Peter Carleton
Peter Carleton

Last updated:

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Most checking accounts have similar features and rates, making it tough to decide which one is right for you. But if you know where to look, you might come across a checking account that offers a bonus just for signing up.

Editor's pick: Chase Sapphire Checking

  • No ATM fees worldwide
  • Invest for free
  • 24/7 dedicated banking service line: 1-888-26CHASE

Editor's pick: Chase Sapphire Checking

Get a $1,000 welcome bonus when you join Sapphire Banking (terms apply).

  • Premium banking and more, designed for your life
  • Account balance earns interest
  • Up to 4 NSF fees waived each year
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Best checking account bonuses

NameBonusConditions for new customers
HSBC Advance Checking$350
  • Deposit at least $5,000 within 30 days of account opening, then maintain the minimum for 90 days
Chase Sapphire Checking$1,000
  • Within 45 days of joining, transfer a total of $75,000 or more, and maintain the balance for at least 90 days.
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Chase Premier Plus Checking$300
  • Direct deposit
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Chase Total Checking$200
  • Direct deposit within 60 days of opening the account
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HSBC Premier Checking$750
  • Apply online
  • Deposit at least $5,000 in recurring direct deposits for 3 consecutive months
Discover Cashback Debit1% cash back
  • Earn 1% cash back on up to $3,000 in debit card purchases each month
Chase College Checking$100
  • Enroll in paperless statements
  • Complete 10 qualifying transactions within 60 days of account opening
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Bank of America Advantage SafeBalance or Relationship Banking$100
  • Apply online
  • Set up and receive two Qualifying Direct Deposits of $250 or more
Citi Interest Checking Account$400 + $100 for direct deposit
  • Deposit at least $15,000 and maintain the balance for 60 days.
  • Earn additional $100 with direct deposit for the first two months.
TD Bank Premier Checking$300
  • Receive direct deposits totaling $2,500 in 60 days

How to compare checking account bonuses

Consider this criteria when you’re deciding if an account is right for you:

  • Bonus amount and conditions.Make sure the bonus amount is worth the conditions — and that you can meet them.
  • Monthly fee. See if you can avoid the monthly fee or that fits into your monthly budget.
  • Account features.Keep an eye out for features like mobile banking and rewards that could make the account more convenient.
  • Opening deposit or minimum balance. Calculate that you can afford the opening deposit and meet the minimum balance requirements to avoid fees.
  • ATM and branch access. Find out how many ATMs and branches there are to access your money when you need it.

Compare other top checking account bonuses

Name Product Fee Intro or bonus offer
Chase Private Client
Chase Private Client
$0
$2,000 Welcome Bonus when you upgrade by January 17, 2020. Within 45 days, transfer a total of $250,000 or more in qualifying new money or securities to a combination of eligible personal checking, savings and/or investment accounts, (excludes any J.P. Morgan retirement accounts and CDs), and maintain that balance for 90 days. Offer available to existing Chase customers only.
$2,000 Welcome Bonus when you upgrade by January 17, 2020. Within 45 days, transfer a total of $250,000 or more in qualifying new money or securities to a combination of eligible personal checking, savings and/or investment accounts, (excludes any J.P. Morgan retirement accounts and CDs), and maintain that balance for 90 days. Offer available to existing Chase customers only.
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Chase Sapphire Checking
Chase Sapphire Checking
$25/month
(can be waived)
Get a $1,000 welcome bonus when you join Sapphire Banking by January 17, 2020. Within 45 days of joining, transfer a total of $75,000 or more in qualifying new money or securities to a combination of eligible checking, savings and/or investment accounts (excludes any J.P. Morgan retirement accounts and CDs), and maintain the balance for at least 90 days.
Get a $1000 welcome bonus when you join Sapphire Banking by January 17, 2020. Within 45 days of joining, transfer a total of $75,000 or more in qualifying new money or securities to a combination of eligible checking, savings and/or investment accounts (excludes any J.P. Morgan retirement accounts and CDs), and maintain the balance for at least 90 days.
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The Citibank Account Interest Checking
The Citibank Account Interest Checking
$25/month
(can be waived)
Get a $400 bonus when you open a new checking and savings account by June 30, 2019, deposit $15,000+ of new money and maintain that balance for 60 days. Get another $100 bonus when you set up a monthly direct deposit.
Full-feature relationship checking from one of the top brands in the nation
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Chase Premier Plus Checking
Chase Premier Plus Checking
$25/month
(can be waived)
$300 bonus when you open this account and sign up for direct deposit.
Get a $300 signup bonus as a new Chase checking customer when you open a Chase Premier Plus Checking account and set up direct deposit.
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Chase Total Checking
Chase Total Checking
$12/month
(can be waived)
Get a $200 bonus when you open a new Chase Total Checking account and set up direct deposit within 60 days of opening your account.
Get a $200 bonus when you open a new Chase Total Checking account and set up direct deposit within 60 days of opening your account. Chase's simplest checking account is easy to use and gives you access to 16,000 ATMs and nearly 5,000 branches.
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Aspiration Spend & Save Account
Aspiration Spend & Save Account
$0
A spend and save combo account with no monthly service fees, free access to every ATM in the world, unlimited cash back rewards and deposits insured by the FDIC. The Aspiration Spend & Save Account is a cash management account offering of Aspiration Financial, LLC, an SEC-registered broker-dealer. Aspiration is not a chartered bank.
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Compare up to 4 providers

How we chose the best accounts

Checking account bonuses can incentivize you to open a specific account, but the bonus might not be worth the hassle if the underlying account is subpar. In order to determine which bonuses were worth it, we also looked into the accounts they were attached to and the conditions required to earn the bonus. Our criteria for selecting these accounts include ATM and branch access, account features, fees, and of course, the bonus amount and conditions.

Bottom line

Finding a checking account with a bonus is easy money in your hand. Get a head start on growing your account balance and compare your options to find an account that suits your needs.

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