Massachusetts · August 2026

Best bank bonuses in Massachusetts

72 currently listed offers — 57 nationwide and 15 Massachusetts-specific. Known expired offers are removed; always confirm terms before applying.

Catalog verified June 9, 2026. Always confirm current terms with the bank before opening an account.

72
Eligible offers
57
Nationwide
15
Local / regional
46
No DD required

Bonuses available in Massachusetts

State-specific offers appear first. Browse ten at a time.
Type
Requirement
Scope
Showing 1–10 of 60
KeyBank BusinessBusiness checkingMassachusetts localDeposit only
$1,000$25 deposit/holdNo monthly fee

There is no online application for this account. The only way in is to book an appointment with a KeyBank banker and open it with them, so you need to be able to reach one of KeyBank's branches. The states listed are where those branches are. KeyBank's terms for this business offer set no residency rule and exclude no state, so if you can get to a branch you can open it.

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Dedham SavingsCheckingMassachusetts localDirect deposit
$750$20,000 direct depositNo monthly fee

Massachusetts only. Community bank with branches in the Dedham area.

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Pittsfield Coop BankCheckingMassachusetts localDirect depositExpiry unverified
$750$500 deposit/hold$15/month

Limited to Pittsfield/Hinsdale area in Massachusetts. Does not work out of state.

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KeyBankCheckingMassachusetts localDirect deposit
$500$50 deposit/hold$25/month

New checking customers only (none in the last 12 months). Open online by December 11, 2026.

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Metro Credit UnionCheckingMassachusetts localDirect depositExpiry unverified
$500See terms for requirementsNo monthly fee

New Metro Credit Union checking customers who live, work, or have a business in Barnstable, Bristol, Essex, Franklin, Hampden, Hampshire, Middlesex, Norfolk, Plymouth, Suffolk, or Worcester County in Massachusetts, or Hillsborough, Cheshire, Merrimack, or Strafford County in New Hampshire.

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KeyBankBusiness savingsMassachusetts localDeposit only
$500$5,000 deposit/hold$5/month

Targeted: KeyBank's terms say you must have received a personalized $500 Business Banking offer letter from them, and you open by appointment with a banker rather than online. Schedule that appointment by December 18, 2026. Make the $25 minimum opening deposit and get to $5,000 or more within 30 days, then keep a minimum daily balance of $5,000 or more for the first 90 days; if the balance dips below $5,000 even once in that window you lose the bonus. The $500 is paid within 60 days of meeting the requirements. You cannot have held a KeyBank business checking or savings account in the past 12 months, and the branch network covers AK, CO, CT, ID, IN, MA, ME, MI, NY, OH, OR, PA, UT, VT and WA. Open Basic Business Checking, which is $5 a month waived at a $1,000 average ledger balance so the $5,000 hold covers it; do not open Key Business Reward Checking, which is $25 a month and needs $7,500 to waive.

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Citizens BankCheckingMassachusetts localDirect deposit
$400See terms for requirements$9.99/month

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.

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Country BankCheckingMassachusetts localExpiry unverified
$400Debit-card activityNo monthly fee

State restricted: MA, NH, ME, RI, CT, VT. New Country Bank checking customers only.

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TruNorth BankCheckingMassachusetts localDirect depositExpiry unverified
$300$1,000 direct depositNo monthly fee

Available in CT, MA, NH, RI. New checking customers only.

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Holyoke Credit UnionCheckingMassachusetts localDirect depositExpiry unverified
$300Direct deposit + activityNo monthly fee

Massachusetts residents only. In-branch opening required. One $300 bonus per member or household. Existing Holyoke Credit Union checking account holders are excluded from the offer.

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1 offers with unverified eligibility

These offers carry incomplete or contradictory state-eligibility data. They might be available in Massachusetts — confirm with the bank before applying.

Capital One Business
$500 bonus$5,000 holdBranch required
Basic Business Checking, promo SBOFFER500 (enter during online application). Deposit $5,000 from an external source within 30 days, maintain $5,000 for at least 60 of the first 90 days, plus 10 qualifying electronic transactions within 90 days. New customers only. You are ineligible if you are a signer on a Capital One Business checking account opened after Jan 1, 2025, and it is one account per business. Online applications only (in-branch ineligible). $15/mo Basic fee waived with $2,000 min balance (so waived while holding the $5k); Enhanced tier $35/mo waived at $25k. Bonus posts 60 to 90 days after requirements met.
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