Best checking account bonuses for August 2019 | finder.com

Best checking account bonuses

These accounts offer perks just for signing up.

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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 $750 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

Best checking account bonuses

NameBonusConditions for new customers
HSBC Advance Checking$350
  • Deposit at least $10,000 within 30 days of account opening, then maintain the minimum for 90 days
Chase Premier Plus Checking$300
  • Direct deposit
Chase Total Checking$200
  • Direct deposit within 60 days of opening the account
Aspiration Spend & Save Account$100
  • Direct deposit
HSBC Premier Checking$750
  • Apply online
  • Deposit at least $100,000 within 30 days of account opening, then maintain the minimum for 90 days
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
HSBC Choice Checking$200
  • Apply online
  • Deposit at least $1,500 within 30 days of account opening, then maintain the minimum for 90 days.
Bank of America Advantage SafeBalance or Relationship Banking$100
  • Apply online
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
$25/month
(can be waived)
Get $350 by funding and maintaining your new account with at least $5,000 in combined checking and savings for 90 days and setting up recurring third-party direct deposits for 3 consecutive months. Offer expires December 31, 2019.
Get $350 by funding and maintaining your new account with at least $5,000 in combined checking and savings for 90 days and setting up recurring third-party direct deposits for 3 consecutive months. Offer expires December 31, 2019.
$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.
$0
Earn $75 bonuses every time a friend signs up for an account and deposits at least $200 in one transaction
No monthly fees. No foreign transaction fees. No fees at 55,000+ Allpoint ATMs.
$15/month
(can be waived)
Earn $150 when you receive direct deposits totaling $500 or more within 60 days
$100 minimum daily balance requirement. New customers enjoy a $150 bonus
$0
1.21% APY for the first year
End the rate shopping chore with a Yield Pledge account, which delivers a yield in the top 5% of competitive accounts.
$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.

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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