Best bank bonuses in Minnesota

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.

Use promo code BAXBUS500. New, first-time Bell Bank business checking accounts opened between March 1, 2026 and September 30, 2026, and only for businesses in Crow Wing, Cass, Morrison or Aitkin County, Minnesota. $50 minimum deposit to open. The account has to be active for 90 days with 10 point of sale debit card transactions and a $5,000 minimum daily balance held across those 90 days. The $500 lands within 5 business days of qualifying. One bonus per business and per account, and it cannot be combined with any other offer.

Membership: TruStone Financial CU. You qualify by living, working, worshipping, volunteering, or attending school in an eligible Minnesota or Wisconsin county, or through one of its education communities. One account per membership, and you must not hold or have ever held a TruStone checking account. Age 13 and over, with a parent or guardian on the account if you are under 18. Business and trust accounts are excluded. Offer runs through December 31, 2026.

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: TopLine field of membership across the Twin Cities metro in Minnesota, and a $5 share savings account is required. Only for people with no TopLine checking relationship in the last 12 months. Allow up to four weeks after you finish the requirements for the $300 to land in your share savings account. The credit union can reclaim the $300 if the requirements are not all met, and the payout is reported on a 1099-MISC. Your account must be open and in good standing at fulfillment. Offer valid through 12/31/26.

You are eligible only if you have had no checking relationship with Blaze Credit Union in the last 12 months. Available in MN and WI.

Think Bank (branches in Rochester, Apple Valley, Eagan, and Edina, Minnesota). Open to first-time checking customers age 18 and over. Existing checking customers are not eligible, and neither is anyone who closed a Think checking account in the prior three months. The bonus is reported on a 1099-INT.

Bravera Bank operates in North Dakota, Minnesota and Montana, and its own offer page names those three states. The bonus applies to all Bravera personal checking accounts, including Free Checking, Community Rewards Checking and 55+ Rewards Checking. You must be a first-time Bravera Bank personal checking customer. The headline on the bank's page reads $400 because it adds a separate $200 referral award for bringing in someone else; the account-opening half is $200. The page does not state a minimum opening deposit or an early closure fee.

Membership: reside within 75 miles of Jamestown, Devils Lake, Page or Portland, ND; within 50 miles of Valley City, Oakes, Napoleon, Steele, Bismarck, Wahpeton or Wishek, ND; within 40 miles of Bisbee or Larimore, ND; in Marshall County, MN; or in the part of Kittson County, MN within 75 miles of Crookston. Immediate family of an existing member can join from anywhere. New checking members only, limit one bonus per member household, and it cannot be combined with other offers. Your account has to be open and in good standing with no restrictions when the bonus is paid, and credit union employees are excluded. Open between April 1, 2026 and September 30, 2026. Separately from the bonus, the Kasasa monthly rewards need 12 debit card purchases, eStatement enrollment and an online banking login each cycle.

Bell Bank operates in Minnesota, North Dakota and Arizona, and the account is its America's Best Checking. The bonus is only available to customers who open with a current promo code, which Bell distributes through partnerships rather than publishing on its main checking page. One live example is code SUNSFAN100 on Bell's Phoenix Suns and Phoenix Mercury partner pages. Limit one bonus per household and per account, it cannot be combined with any other offer, and Bell employees are excluded. The money lands within 5 business days after you qualify. Expires December 31, 2026.

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.

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).