Best bank bonuses in Massachusetts

Massachusetts only. Community bank with branches in the Dedham area. Not available to anyone with an existing or prior Dedham Savings personal checking account.

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

Must open both checking and savings accounts on same day between Oct 1 - Nov 15, 2026. Consumer and business versions available separately. Checking account has monthly fees of $9.99-$25 (avoidable with qualifications).

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

One offer per person. New customers only. Available only at West Hartford, Bloomfield (CT) and Ware (MA) branch locations. Must open WB Portfolio, WB Performance, WB CT Signature, WB CT Free, or WB CT 16-25 Checking account.

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.

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.

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

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.

bankESB (Easthampton Savings Bank; western MA). One account per tax owner, you must be at least 16, and anyone who has previously received a bankESB checking bonus is not eligible. Direct deposit is optional here: 25 debit card purchases of $10 or more clears the same requirement. Only $150 of the $300 arrives inside 90 days; the other $150 requires keeping the account active and enrolled for a full year. The account must be in good standing with a positive balance when each half is paid. No stated expiration.

New checking customers only. You are not eligible if you currently have, or have had, a Webster personal checking or savings account in the past 12 months, so the wait runs 12 months from the day the old account closes. Webster also limits the offer to one bonus per client. Must be a resident of an eligible state at the time of account opening. Offer valid through 9/30/26.

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.

Metro Credit Union membership requires living, working, going to school, or having a place of business in Essex, Middlesex, Norfolk, Suffolk, Worcester, Plymouth, Barnstable, Bristol, Franklin, Hampshire, or Hampden County, Massachusetts, or Hillsborough, Rockingham, Cheshire, Merrimack, or Strafford County, New Hampshire (per lib/data/cuMembership.ts, sourced from metrocu.org/personal/how-do-i-become-a-member); family members of an existing member and employees of a Metro@work employer also qualify. The $200 checking offer's own page states only "when you open a Metro Checking account", does not say whether an existing member with another Metro Credit Union account can qualify, and states no minimum opening deposit.

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.

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 Q4DIG26. Expires January 13, 2027. 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).