We put together a list of the best checking and savings bonus offers. This includes mostly national banks with soft credit pulls when you open an account with a few exceptions. We do live a few with hard pulls and a few from credit unions and regional banks. If you find out of a bank that offers a better bonus then please let us know. See our list of business bonus for new accounts here.
Most Recommended: SOFI $50 Bonus for Checking or Savings
- SOFI Offers a fee-free driven app checking and savings we found better and easier than most of the older banks.
- Go here to read more about the $50 bonus from SOFI
Chase $300 Bonus – Available In Branch & Online
This checking bonus from Chase can be paired with a $150, $200 or $300 savings bonus as well. You can do one per calendar year max.
- Direct deposit required, no minimum
- Soft pull on credit
- Can’t fund with a credit card
HSBC – Up To $750 Bonus – No Direct Deposit Required
HSBC has been a part of the online banking game for awhile now but their website can be a bit of a hassle. Read more about how we think the $350 bonus is one of the best.
- Soft pull on credit
- Direct deposit not required
- Can’t fund with a credit card
Wells Fargo $200 Checking Bonus
You may live in an area with no direct deposit requirement. Read more here.
- Soft pull
- Can fund up to $50 online with a credit card
- Direct deposit required (in most areas)
Citibank $300 Bonus
Citibank in the past has had bonuses as high as $400 with less strict requirements. You can get the bonus again if you haven’t held a Citi banking account within the past 180 days. You just need to be able to deposit $15,000.
- Direct deposit not required
- Can’t fund with a credit card
- Soft pull
Bank of America $100 Bonus/$300 Bonus
They have bigger targeted bonuses of up to $300 before, so check to see if you are targeted for this first. All you have to do is sign into your BOA credit card account and look at offers.
- Soft pull
- Can’t fund with a credit card, can fund with a debit card up to $250
- Requires direct deposits
E*Trade $150 Bonus
E-Trade has been one of our favorite banks for years although it was recently bought by a huge brokerage we hope they keep the no-fee checking at ATMs. They are offering bonuses right now from $50 and up with as little as a $500 deposit. Go here to learn more about the E-Trade bonuses.
Charles Schwab $100 Bonus
This is similar to the Etrade bank where you get ATM fees reimbursed, no fees for foreign transaction withdrawals) and you can also get this account and a brokerage account at the same time for one hard pull. The brokerage account then gives you access to the Charles Schwab credit cards. See more here at schwab.com/referred.
- Hard pull to open
- No requirements for bonus
Christian Community Credit Union – $200 Bonus – Must Be A Member of A Christian Ministry
The Christian Ministry requirement seems to be enforced and will rule out a lot of people, if you are eligible though this is a great deal. Read more here about Christian Loans.
- Soft pull
- Direct deposit with no minimum specified
- Can fund up to $100 for checking account and $500 for CD with a credit card.
Best Saving Account Bonuses
Discover Savings $150/$200 Bonus
Requires a deposit of $15,000 for $150 bonus or $200 for $20,000 bonus, but no minimum deposit length. Great deal, but only once per lifetime.
- $15,000 deposit required or $20,000 for $200 bonus, no minimum length
- No credit card funding
- Soft pull
Chase $200 Savings Bonus – In Branch & Online
They also have bonuses for $300 (requires $25,000 deposit) and $150 (requires $10,000 deposit). Can be combined with the $300 checking bonus listed above as well.
- $15,000 deposit required must be maintained for 90 days
- Soft pull
- Can’t fund with a credit card
Chase $300 Savings Bonus – In Branch
As mentioned above they have a $200 bonus and $150 bonus as well.
- $25,000 deposit required must be maintained for 90 days
- Soft pull
- Can’t fund with a credit card
Fidelity Bank $100 Savings
Can be combined with the $100 checking bonus they also offer.
- Deposit of $10,000 required for 30 days
- Soft pull
- Can fund up to $500 with a credit card