Best bank bonuses in Minnesota

New consumer checking customers only. Ineligible with an existing Huntington consumer checking account, one closed in the last 12 months, or a consumer checking incentive received in the last 12 months.

New checking customers only.

Opening online is limited to residents of IA, IL, IN, KS, MI, MN, MO, OH and WI; branches are in Illinois, Minnesota and Wisconsin. Balances from personal checking, savings, money market, IRA and CD accounts count toward the tier as long as they are titled to the same primary account holder, but business, HSA, investment, minor and private banking balances do not. You are not eligible if you received a new personal checking bonus in the last 24 months or have had an Associated Bank checking account in the last 12 months. One per customer, primary owner must be 18 or older, and a valid email address is required. The bonus arrives within 120 days of account opening and the account has to stay open 12 months or the bank can take the money back at closing.

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.

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 at the time you apply, and BMO may ask for proof of address. You cannot already hold a BMO personal checking account or have closed one in the past 12 months, and it is one bonus per customer.

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.

Old National Bank (IA/IL/IN/KY/MI/MN/ND/TN/WI). Limit one cash bonus per Social Security number no matter how many checking accounts you open, and receiving it disqualifies you from any other Old National personal checking bonus. You are not eligible if you already hold an Old National personal checking account, if you closed one in the last 36 months, or if you were paid an Old National personal checking bonus in the last 36 months. Qualifying deposits must be recurring electronic ACH deposits of a paycheck, pension, Social Security or other government benefit. Accounts must be opened by 10/30/2026.

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.