Best bank bonuses in California

The person listed first on the account has to live in Arizona, California, Colorado, Florida, Iowa, Illinois, Indiana, Minnesota, New Mexico, Nevada, Oregon, Utah, Washington or Wisconsin when you apply, and BMO may ask for proof of address. Not available if you already hold a BMO personal checking account or closed one in the past 12 months, including as a trustee, signer or joint owner. One bonus per client.

California. You must not have owned a Travis Credit Union consumer checking account in the last 36 months; this is a 36-month lookback, not a lifetime bar. Open to both brand-new members and existing TCU members who have never held a TCU checking account. Age 18 or over, one offer per member, and only the primary account holder of the new checking account is eligible. Travis CU employees are excluded. Joining requires a Prime Share account with a one-time non-refundable $5 fee plus a $5 minimum deposit. Membership eligibility rules apply and the offer page does not list them, so check TCU's membership page before you count on this.

Dividend Business Checking, promo SEED475. New CA business member (not owner on a Provident business account in last 2 years). Fund $100 + $2,500 total deposits within 60 days + $400 purchases for 2 consecutive months; enroll in online banking + eDocs. Branch-only. Expires offer may expire anytime per the bank (verified live on providentcu.org early July 2026).

Available to residents of California, Idaho, Oregon, and Washington. Use offer code 2026EM. One personal-checking opening bonus per 2 years; customers who closed a Banner account in the last 2 years are ineligible.

State restricted: CA. New Frontwave CU checking customers only.

Opened in a branch only, and it is not advertised online, so you have to mention the offer to a Citi Business Specialist and it may not be honoured at every branch. New business checking customers only. Citi's branch network is the practical limit on where you can do this, so plan around CA, FL, IL, MD, NV, NY and Washington DC. Deposit within 45 days of opening and keep the balance in place for 60 calendar days after the deposit.

Open to anyone who lives or works in Humboldt, Del Norte or Trinity County. One offer per Social Security number. Existing members are eligible (the promo page has a current-member apply link).

Select California counties only. New members only.

California residents only. New members only.

Must live, work, or worship in specific counties: OR (Klamath, Lake, Harney, Malheur), CA (Modoc, Siskiyou), NV (Humboldt, Pershing, Lander, Eureka). Cannot be primary owner of eligible checking account on 08/31/26.

Promo 2026DP. Must not have existing Banner business checking. Deposit $5k ($250) or $10k ($500) within 60 days, maintain 90 days. Branch-only opening (OR/WA/CA/ID residents). One bonus per business entity every 2 years (per issuer page).

New CIBC US personal checking customers only; see the official offer terms for account-opening availability.

Kern, Kings, Tulare, Fresno counties in California only. New members only.

New customers only, and HSBC's definition is a lifetime one: "A 'New Customer' is someone who doesn't have a current or past HSBC account in the U.S. on file." A closed HSBC U.S. account from any point in the past disqualifies you, so this is not a 12-month or 24-month lookback. The Premier checking account must be opened by December 31, 2026. Premier qualification criteria also govern the $50 monthly fee waiver, with $100,000 in combined balances given as the example. Nationwide.

Open or upgrade to a new Chase Private Client Checking account by October 14, 2026. Top $3,000 tier requires $500,000+ in new money; $1,000 minimum tier requires $150,000. Requires an in-person/banker meeting to redeem the coupon.

New Chase business checking customers only. You are not eligible if your business already has a Chase business checking account, if you closed one within 90 days of opening it, or if you closed one with a negative balance in the past three years. Government entities, political action committees and campaign accounts are excluded, as are JPMorgan Chase employees. A signer can take one Chase business checking offer every two years counted from the last enrollment date, and only one offer applies per account. Chase does not open business deposit accounts for Hawaii businesses, so Hawaii owners cannot use this one. Chase business CREDIT CARDS are still available in Hawaii. Expires October 15, 2026.

Business checking. Promo code Q3DIG26. Expires September 27, 2026. New business checking customers only. Two accounts qualify and they are not priced the same: $1,200 needs the Platinum Business Checking Package and $25,000 held, and $400 needs U.S. Bank Business Essentials and $5,000 held. Business Essentials has no monthly maintenance fee. Platinum lists $30 a month but waives it at a $25,000 average collected checking balance, which is the same money the bonus asks you to hold.

Your business has to have annual revenue under $10 million. PNC states that limit on the offer itself, so check it before you plan anything else. New PNC business checking customers only, which means no signer on the account may already have signing authority on a PNC business checking account, have closed one in the past 90 days, or have been paid a PNC promotional premium in the past 12 months. Open a Treasury Enterprise Plan account between July 1, 2026 and September 30, 2026 and keep an average ledger balance of $30,000 or more for each of your first three statement cycles. Only the master account balance counts, so money sitting in linked beneficiary accounts does not. Your statements must cycle monthly; accounts on daily, weekly or quarterly statements are excluded. The plan lists at $50 a month but is $0 for the first three statement cycles and is waived at a $30,000 average balance, so the hold itself covers the fee. Analysis Business Checking also qualifies for the same $1,000, but avoid it unless you have a reason: its fee is only offset by an earnings credit on much larger balances, so at $30,000 you would still pay around $25 a month.

New business checking customers only. A business is not eligible if it currently owns a Wells Fargo business checking account or has closed one in the past 90 days. Sole proprietors qualify, and no LLC is required.

Available to Hawaii residents (Chase personal checking/savings bonuses are obtainable in HI). New Chase savings customers only. Not available if you closed a Chase savings account in the last 90 days or with a negative balance in the last 3 years. One savings bonus every 2 years. Combo bonus ($400) requires also completing checking direct deposit requirement.

Once-per-lifetime: not eligible if you've ever received a FourLeaf new-checking bonus, and only one checking bonus per person. Four Leaf FCU (formerly Bethpage Federal Credit Union, rebranded 2026). Membership is open to anyone nationwide who opens a $5 savings share, with no New York residency, employer group, association, or donation required (the easy Bethpage-era path survived the rebrand). Must be a U.S. citizen or permanent resident (green-card holder); requires SSN and a government photo ID. Account must be opened between 02/02/2026 and 12/31/2026.

Must not have had a BofA personal checking account in the past 12 months; one bonus per customer every 12 months.

Business checking. New BlueVine business checking customers only. New-customer terms: has NOT had a Bluevine Business Checking account open in the last 12 months (12-month cooldown, not once-per-lifetime).

OUT-OF-STATE IS ELIGIBLE with a member referral code, backed by multiple approved out-of-state datapoints (2026-07-20: 'approved as an out-of-state applicant'; 2026-06-09 OOS instant approval; 2026-07-21 instant approval on a friend's code). Without a referral, membership runs through the CA field of membership (Stanford affiliation, or FOPAL/MOAH association). Was previously coded CA-only, which hid the offer from every non-CA user. PULLS CHEXSYSTEMS, and small CUs tolerate churners poorly, with denials reported at high inquiry counts. One bonus per member (lifetime).

Available nationwide. U.S. Bank's own wording is that the offer "may not be available if you live outside of the U.S. Bank footprint" — that is a soft clause, not a hard block. If you are outside their branch footprint, members often qualify by first opening a U.S. Bank brokerage account or credit card and then applying for the checking account. U.S. Bank accounts are obtainable by Hawaii residents (online/existing-relationship), per direct HI experience. Must not have existing US Bank consumer checking, had one in the last 12 months, or received a US Bank checking bonus in the past 12 months. Not available with Trust Accounts or Alliance partnerships.