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Best Bank Account Bonuses in January 2023

We've rated our carefully curated selection of the best bank accounts with bonuses to simplify the process for you.

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Compare checking accounts with bonuses

Use the table below to compare accounts based on the features you're looking for.
Name Product Fee Minimum deposit to open Annual Percentage Yield (APY) Offer
BMO Harris Smart Advantage Account
Finder Rating: 4.7 / 5: ★★★★★
Bonus
BMO Harris Smart Advantage Account
$0 per month
$25
N/A
Get a $200 bonus when you open a new Smart Advantage account and have a cumulative total of $4,000 or more in qualifying direct deposits in the first 90 days
Earn a $200 cash bonus after $4,000 deposits in the first 90 days. Pay $0 monthly fees and no minimum balance. Access a large nationwide network of free ATMs.
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SoFi Checking and Savings
Finder Rating: 4.6 / 5: ★★★★★
Bonus
SoFi Checking and Savings
$0 per month
$0
3.75% on balances of $0+
2.50% on balances of $0 to
Get up to $250 when you open a new account or switch your direct deposit to SoFi checking and savings. In order to qualify for the $250 bonus, you must have $5,000+ in qualifying direct deposits within a month, and to qualify for $50, you must deposit $1,000 to $4,999.99. This offer is available until Jan 31, 2023
Earn 3.75% APY, which is 14X the national average. Get your paycheck up to 2 days early, and earn up to 15% cash back. When you open Sofi, you also get its high-interest savings account that earns APY.
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U.S. Bank Smartly Checking
Finder Rating: 3 / 5: ★★★★★
Bonus
U.S. Bank Smartly Checking
$6.95 per month
$25
N/A
New offer: Earn up to $600 when you open a new U.S. Bank Smartly checking account and a Standard savings account and complete qualifying activities. Subject to certain terms and limitations. Offer valid through February 7, 2023. Member FDIC.
U.S. Bank’s new checking product offers mobile and online banking with no-fee overdraft protection. Member FDIC.
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Axos Bank Rewards Checking
Finder Rating: 4.2 / 5: ★★★★★
Bonus
Axos Bank Rewards Checking
$0 per month
$50
1.25% on balances of $0 to $50,000
Use the promo code RC100 when you apply for a Rewards Checking account by 3/31/2023. Then have qualifying direct deposit(s) to earn a $100 welcome bonus!
Earn up to 1.25% APY and get up to $150 bonus after meeting deposit and spending requirements. Get ATM free reimbursements at all domestic ATMs. Pay $0 monthly or overdraft fees.
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