Best bank bonuses in Florida

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.

New consumer checking customers only. Ineligible with an existing Huntington consumer checking account or one closed in the last 12 months. Separately, Huntington says it may limit an individual to one account-related cash incentive per rolling 24-month period across all deposit accounts, counted from the most recent payment, so a prior Huntington bonus can hold you back longer than the closed-account rule does.

Not available to existing or closed checking account customers of Wintrust Financial Corporation.

New Truist checking customers only; not eligible if a Truist checking account was closed on or after 7/14/2025. Expires 2/2/2027.

Available online (promo code EZV3F2M) or in-branch. Ineligible if you held a personal Regions checking account within the prior 12 months. Register by Dec 31, 2026; open by Jan 31, 2027.

Citizens offers personal checking in 14 states plus DC: Connecticut, Delaware, Florida, Maryland, Massachusetts, Michigan, New Hampshire, New Jersey, New York, Ohio, Pennsylvania, Rhode Island, Vermont, Virginia and Washington DC. The offer terms themselves name no excluded states. You must not have been a signer on another Citizens personal checking or savings account in the previous six months, and the account has to be opened through the link on the offer page rather than in a branch.

Florida or Georgia residents aged 18 or older. Offer code CON600, one per new checking or savings household, and it cannot be combined with other Seacoast bonus offers. Not available to existing Seacoast personal checking or savings customers, to anyone who closed such an account in the past 12 months, or to Seacoast associates.

Florida residents only. New members only.

Membership eligibility is required and you have to live in Florida or Georgia. New members opening a first-time checking account only. One promotional offer per individual, and it cannot be combined with other offers. The account has to stay open 90 days: the incentive is paid within 30 days after the account has been open for 90 days and the direct deposit requirement is met. Benefits Checking needs a $1,000 daily balance to earn the disclosed yield, but no minimum to open. The offer is available as of March 2, 2026 with no fixed end date.

Republic Bank & Trust Company is headquartered in Louisville, Kentucky and runs banking centers across Kentucky, Indiana, Florida, Tennessee and Ohio. The promo page does not name which checking product the bonus attaches to, does not state a minimum opening deposit, a monthly fee or when the bonus is paid, and does not state a residency restriction. The state list here is the bank's branch footprint rather than a stated offer term, so confirm availability where you live before applying.

New TD checking customers only. TD pays one personal checking bonus per customer, ever: if you have received one before, at any time, you are not eligible for this one.

The offer is valid only to residents of Texas, Louisiana, Mississippi, Alabama or Florida. You have to be a new Hancock Whitney checking client: no current checking account, none closed in the past 90 days, and none closed with a negative balance in the past three years. There is a limit of one consumer checking bonus and one consumer savings bonus per household every two calendar years, with a household lifetime cap of two of each, and the bank does enforce it. Accounts have to stay open and active until the bonus is paid.

State restricted: FL, SC. Military also eligible. New Grow Financial 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.

In-branch opening required. FL residents only eligible in Miami Dade, Monroe, and Broward Counties (including ZIP 34141). Not available if current checking customer or had Santander checking account in last 12 months. Requires 1+ direct deposits within first 90 days in addition to balance requirement.

Membership: Florida West Coast CU serves Hillsborough and Pasco County government employees and their families. It takes a $10 deposit to join. New checking accounts only; existing checking accounts do not qualify. The incentive is reported to the IRS.

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

Membership: Community First Credit Union of Florida, open to anyone who lives, works or attends school in Baker, Brevard, Broward, Clay, Duval, Flagler, Indian River, Lake, Martin, Nassau, Orange, Palm Beach, Putnam, Seminole, St. Johns, St. Lucie or Volusia county, and to any relative of an existing or eligible member. New members open a share account with a $5 initial deposit. Any consumer checking account qualifies. You are not eligible if you already hold a Community First personal checking account or have ever closed one. You are responsible for supplying the promo code, and the account must stay open with a positive balance until the bonus is deposited or the reward is forfeited.

Florida or Georgia residents only. New savings customers only. You can open this online: the bank's own offer page links straight to its application with the code already applied, or you can open it in a branch. Offer Code CON600. Deposit $15,000 or more in new money within 10 business days of opening and keep a $15,000 minimum balance for 90 days. That $15,000 is a floor under every single day of the 90, not an average, so one dip below it loses the bonus. Pairs with $400 Premium Checking bonus for $600 total.

New TD savings customers only (no TD personal savings/MMA held or closed in prior 12 months, and no prior TD savings bonus ever). East Coast states. Deposit $10,000 within 20 days of opening and hold 90 days. Expires July 30, 2026.

Open a new Statement Savings account, deposit $15,000 or more of new money during the month you open, and hold a $15,000 minimum balance for the three months after that. No promo code needed, it applies automatically. Wintrust is a family of community banks, so use your state's bank: Wintrust in Illinois, Wintrust Florida in Florida, Town Bank in Wisconsin, Dyer Bank and Trust in Indiana. Michigan is served by Macatawa Bank, where the product lineup differs, so confirm the offer there before opening. This is a separate offer from the Total Access Checking bonus and can be opened alongside it.

Must qualify for credit union membership. One bonus per member. Available to new SRCFCU checking account holders only.

Valley National Bank, which trades under the 'Valley' brand at valley.com and is multi-state (NJ, NY, FL, AL). Not to be confused with Valley Bank of Roanoke, Virginia (myvalleybank.com, VA/WV/MD/NC/KY/TN), a separate institution whose own $100 checking promotion expired in 2015. No Valley personal checking in the past 12 months. Paid within 30 days after the DD is met and the account has been open 120 days. No fixed deadline stated.

Freestyle Savings, available in Alabama, Florida, Louisiana, Mississippi and Texas. Fill in the form on the bank's offer page to get your promo code, then open online or at a financial center by 8/31/2026. Deposit $5,000 or more within 30 days of opening and keep a minimum daily balance of $5,000 or more for 60 days. The money must not already be on deposit at Hancock Whitney. Payment comes within 135 days of opening. Hancock Whitney limits this to one savings bonus per household every two calendar years, with a household lifetime cap of two savings bonuses, and readers report that limit being enforced. You can open the Freestyle Checking account at the same time for its own $300 bonus plus a $200 extra for doing both.

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.