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 $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

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.
Chase Premier Plus Checking$300
  • Direct deposit
Chase Total Checking$200
  • Direct deposit within 60 days of opening the account
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
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.
Wells Fargo Everyday Checking$400
  • Within 150 days of account opening, receive at least $3,000 each month in direct deposits for three consecutive months

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
M&T Bank EZChoice Checking
$0
Get $150 if you open an EZChoice M&T checking account by March 2, 2020, and make qualifying direct deposits totaling at least $500 within 90 days of account opening.
Get $150 if you open an EZChoice M&T checking account by March 2, 2020, and make qualifying direct deposits totaling at least $500 within 90 days of account opening.
Chase Private Client
$0
$2,000 Welcome Bonus when you upgrade by March 06, 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 March 06, 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.
M&T Bank MyChoice Premium Checking
M&T Bank MyChoice Premium Checking
$24.95/month
(can be waived)
Get up to $250 if you open a MyChoice Premium M&T checking account by March 2, 2020, and make qualifying direct deposits totaling at least $500 within 90 days of account opening.
Get up to $250 if you open a MyChoice Premium M&T checking account by March 2, 2020, and make qualifying direct deposits totaling at least $500 within 90 days of account opening.
Chase Sapphire Checking
$25/month
(can be waived)
Get a $1,000 welcome bonus when you join Sapphire Banking by March 06, 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 March 06, 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.
HSBC Premier Checking
$50/month
(can be waived)
Earn 2% cash back on qualifying direct deposits (up to $60 per month and $700 total during the first 12 months) with a new HSBC Premier Checking account. Offer ends March 1, 2020. Cash back will be credited approximately eight weeks after completing that month's qualifying activities.
Earn 2% cash back on qualifying direct deposits (up to $60 per month and $700 total during the first 12 months) with a new HSBC Premier Checking account. Offer ends March 1, 2020. Conditions apply. Deposit products are offered in the US by HSBC Bank USA, N.A. Member FDIC.
HSBC Advance Checking
$25/month
(can be waived)
Earn 2% cash back on qualifying direct deposits (up to $30 per month and $350 total during the first 12 months) with a new HSBC Advance Checking account. Offer ends March 1, 2020. Cash back will be credited approximately eight weeks after completing that month's qualifying activities.
Earn 2% cash back on qualifying direct deposits (up to $30 per month and $350 total during the first 12 months) with a new HSBC Advance Checking account. Offer ends March 1, 2020. Conditions apply. Deposit products are offered in the US by HSBC Bank USA, N.A. Member FDIC.

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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