Best bank bonuses in Illinois

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.

New checking customers only.

New members only: "Bonus only available to new members who have not had a Verve Checking or Membership Share account within the past 18 months." The charter reaches "23 counties throughout Wisconsin (Brown, Buffalo, Calumet, Dodge, Fond du Lac, Green Lake, Jackson, La Crosse, Manitowoc, Milwaukee, Monroe, Outagamie, Ozaukee, Portage, Sheboygan, Trempealeau, Vernon, Washington, Waushara, Waupaca, and Winnebago), Minnesota (Houston and Winona), and Illinois (DuPage and all portions of Cook County north of Highway 20/95th Street)". THERE IS A NATIONWIDE ROUTE IN and Verve publishes it: membership "is also open to employees of Kimberly-Clark Corp., Fox River Paper Co., the medical services industry, and the immediate family of any current member, or anyone nationwide through American Consumer Council membership (ACC)". The stored WI/MN/IL list is the charter's geography; a member outside it joins through ACC.

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

New checking customers only. Use promo code PARKPIRATES at account opening.

YMMV - terms mention mailer twice. May be targeted to addresses that received mailer.

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.

New business checking customers only, state restricted, apply by October 14, 2026. The two tiers have DIFFERENT funding deadlines: Unlimited Business Checking pays $400 for total new money deposits of $5,000 or more within 60 days of opening, while Unlimited Plus pays $1,000 only if $20,000 or more lands within 30 days and then sits at $20,000 or more for the next 60 days. Both require keeping the account open for 90 days. Plan on paying the monthly fee through the hold: Unlimited is $20 a month waived only at a $10,000 total deposit relationship, Unlimited Plus is $40 a month waived only at $50,000, and neither the $5,000 nor the $20,000 deposit clears its own threshold because the cash bonus does not count toward it.

Membership: live or work in Dupaco's chartered area, which covers eastern Iowa counties, Stephenson County in Illinois, and parts of Wisconsin. Not available if you already have a Dupaco consumer checking account or closed one within the last 180 days. Keep the account open through payout and keep the balance at $0 or above. No fixed deadline is stated, and Dupaco reserves the right to change or end the offer at any time.

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.

New members only. MO and IL.

Membership: Alero Financial, a credit union serving Connecticut and Illinois; per Doctor of Credit, eligibility requires living or working within a 25-mile radius of an Alero branch. Open to new members and to existing members who do not already have an open checking account there. One bonus per member, per taxpayer ID, and per household. Employees, volunteers, officials, and directors of Alero Financial cannot participate.

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

Limit one of each bonus type per account; converted accounts are not eligible. The current disclosure (eff. 9/27/25) has no new-customer restriction.

In-branch only (all branches in IL). Not eligible if any signer has existing State Bank of Bement consumer checking account or closed account within past 90 days. If multiple accounts opened with same signers, only one eligible.

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.

Membership: live or work in one of Together's communities, work for a partner employer, or be immediate family or a household member of a current member. Communities are St. Louis City, St. Louis County, St. Charles County and Jefferson County in Missouri; Madison and St. Clair counties in Illinois; the Williamsburg, Virginia area; and set zip codes in the Dallas, Texas metro near Cedar Hill. The $50 piece requires a referral from a current member who has been a member at least 90 days. You must be in good standing when the qualifying transactions post, and the cash is reported on a 1099. Offer runs January 1, 2026 through December 31, 2026.

Old Second National Bank (Chicago suburbs, IL). Only $150 of the advertised $300 comes from checking activity: $50 for opening with the debit card and e-Statements, plus $100 for the direct deposits. The last $150 effectively parks $5,000 in a Money Builder Savings account for 90 days (h/t reader David M. in the comments). You are not eligible if you hold an Old Second personal checking account now, held one in the prior 12 months, or were paid any Old Second personal checking bonus in the prior 24 months. Direct deposits must be electronic payments from a government agency, employer or other third party; teller, ATM, mobile, remote deposits and transfers between Old Second accounts do not count. Whatever you qualify for is credited by the 100th day. Closing within 180 days can cost $50 and forfeit the bonus. Expires 12/31/2026.

First Financial Bank is a multi-state regional (OH, IN, IL, KY). Paid as a $100 Visa Virtual Reward Card ~3 weeks after completion. Referral-based. (Former BankFinancial IL clients eligible after 4/15/2026.) No fixed deadline stated.

Business checking (Access $100 / Balanced $400 / Choice $750). $100 min open + new money within 30 days, maintain daily balance days 31–90, keep open 12 months. Balanced fee $20/mo (waive $5k avg), Choice $35/mo (waive $15k avg); Access no fee. Online-openable in listed states. Expires 2026-08-31 (extended; bank page verified 2026-07-25).

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.