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8 best checking account bonuses for November 2020

These accounts offer perks just for signing up.

Updated . What changed?

Fact checked

Finder's pick for an easy bonus: HSBC Premier Checking

HSBC Premier Checking logo

$1

Deposit to Open

  • Up to $700 in cash back
  • Earn 3% cash back on qualifying direct deposits
  • Emergency cash at branches across the globe
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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. At the beginning of every month we research the best bonuses, the accounts attached to them and the conditions required to earn each promotion for you. Our criteria for selecting these accounts include fees, minimum balance requirements and features.

Best checking accounts with sign up bonuses

HSBC Premier Checking: Up to $600 cash back

  • Bonus amount: Up to $600
  • Minimum deposit required: $1
  • Monthly fee: $50

Chase Total Checking: $200 bonus

  • Bonus amount: $200
  • Minimum deposit required: $0
  • Monthly fee: $12

Chase Business Complete Banking: $300 bonus

  • Bonus amount: $300
  • Minimum opening deposit required: $0
  • Monthly fee: $15

PNC Virtual Wallet: Up to $400 bonus

  • Bonus amount: $50, $200 or $400
  • Minimum deposit required: $25
  • Monthly fee: $7 to $25

Bank of America: $100 bonus

  • Bonus amount: $100
  • Minimum deposit required: $25 or $100
  • Monthly fee: $4.95 to $25

Associated Bank Checking: up to $500 bonus

  • Bonus amount: $200, $300 or $500
  • Minimum deposit required: $25 to $100
  • Monthly fee: $0 to $25
Suntr bank logo

SunTrust Essential Checking: $200 signup bonus

  • Bonus amount: $200
  • Minimum deposit required: $100
  • Monthly fee: $7
Fifth Third bank logo

Fifth Third Bank Checking: $250 signup bonus

  • Bonus amount: $250
  • Minimum deposit required: $0
  • Monthly fee: $0

How to choose the best checking account bonus

When choosing a checking account based on its bonus, consider the following criteria before making your decision:

  • Bonus amount and conditions. Make sure you can comfortably meet the requirements needed to earn the bonus.
  • Consider if the bonus is worth it. Even if the bonus is good, the account may not be worth it if it comes with high fees and strict requirements.
  • Account fees. See which fees are tied to the account and if there are easy ways to avoid them.
  • Opening deposit or minimum balance. Calculate that you can afford the opening deposit and meet the minimum balance requirements to avoid fees.

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.

Compare other top checking account bonuses

Name Product Fee Intro or bonus offer
HSBC Premier Checking
$50 per month
(can be waived)
Get a 3% cash bonus, up to $600 (max. $100 per month) during first six months after account opening. Must open HSBC Premier checking account through offer page by September 30, 2020, and set up qualifying direct deposits into the new account. Conditions apply. Deposit products are offered in the US by HSBC Bank USA, N.A. Member FDIC.
Get a 3% cash bonus, up to $600 (max. $100 per month) during first six months after account opening. Must open HSBC Premier checking account through offer page by September 30, 2020, and set up qualifying direct deposits into the new account. Conditions apply. Deposit products are offered in the US by HSBC Bank USA, N.A. Member FDIC.
Aspiration Spend & Save Account
$0 per month or $7 per month for Aspiration Plus ($5.75 per month if you pay annually)
Deposits are fossil fuel-free and insured by the FDIC. Enjoy a spend and save combo account with unlimited cash back rewards and a $100 bonus when you spend $1,000 in your first 60 days.
Deposits are fossil fuel-free. A spend and save combo account with unlimited cash back rewards and deposits insured by the FDIC.
Chase Total Checking
$12 per 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. Offer valid through 1/20/2021.
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 4,900 branches. Available online nationwide except in Alaska, Hawaii and Puerto Rico.
HSBC Advance Checking
$25 per month
(can be waived)
Get up to $270 (max. $50 per month) for eligible new customers who open an HSBC Advance checking account. Conditions apply. Deposit products are offered in the US by HSBC Bank USA, N.A. Member FDIC.
Get up to $270 (max. $50 per month) for eligible new customers who open an HSBC Advance checking account. Conditions apply. Deposit products are offered in the US by HSBC Bank USA, N.A. Member FDIC.
Chase Private Client
$0
Enjoy a $2,000 bonus when you join Chase Private Client. Within 45 days, transfer a total of $250,000 or more in qualifying new money or securities to a combination of eligible checking, savings and/or investment accounts, (excludes: Chase business checking and savings accounts, any You Invest, 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 join and transfer a total of $250,000 or more in the first 45 days in qualifying new money or securities to a combination of eligible personal checking, savings and/or investment accounts, (excludes any You Invest, 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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