Best bank bonuses in New York

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.

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

Membership: anyone who lives in Pennsylvania, Delaware, New Jersey, New York, Ohio, Maryland or West Virginia can join with a one-time $1 deposit into a savings account, and family or household members of an eligible member qualify no matter where they live. Open to qualified new checking customers only. You are not eligible if you closed a Citadel checking account in the last 12 months or already received a Citadel checking new account bonus. Limit one offer per member, and business accounts do not qualify. A qualifying direct deposit is recurring payroll, pension, Social Security, government benefits or other regular monthly income sent through the ACH network. Bonuses are paid within 10 business days once you meet the requirements and the account has been open 90 days. Offer expires September 30, 2026.

Live/work/worship/school/business in Suffolk County, NY area. New Suffolk FCU members only.

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.

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.

M&T's consumer footprint covers NY, NJ, PA, CT, MD, DE, VA, WV, DC, MA, ME, NH and VT. The cash bonus is ZIP targeted, so enter your home ZIP code on the offer page to see the amount available where you live. The promo code must be entered at account opening or the bonus is forfeited, and the account has to be open by August 31, 2026 and still open when the credit is issued. The bonus is credited within 90 days of the account receiving the qualifying direct deposits. One bonus per customer, only the primary signer qualifies, and you are not eligible if you received a cash bonus on a personal M&T checking account in the last 12 months. An earlier version of the same $400 offer, promo code TG, is still open to accounts opened by July 31, 2026.

Membership: you must live, work, worship, volunteer or attend school in Albany, Columbia, Dutchess, Greene, Orange, Putnam, Rensselaer, Rockland, Saratoga, Schenectady, Sullivan, Ulster or Westchester County. The bonus itself is only valid for members residing in Albany, Columbia, Greene, Rensselaer, Saratoga, Schenectady, Sullivan and Ulster Counties. Must be 18 or older, and this must be your first HVCU checking account. Only personal Classic and Premier checking accounts qualify, and secured credit cards do not count for the credit card portion. The bonus is deposited within five business days after the 90 day qualification period ends. Offer ends August 7, 2026.

Membership: Municipal Credit Union, open to people who live, work, worship, or attend school in New York City and to employees of New York State or federal agencies based in New York; a Hero Savings account with at least $0.01 is required. Open to new members and to existing members who did not hold an Everyday Hero Checking account as of April 5, 2026. One bonus per member, and you are ineligible if you received any MCU checking promotion bonus in the last 24 months. Joint owners on someone else's account do not earn a second bonus. The account must stay open and in good standing until the bonus is paid, and the bonus cannot be combined with any other offer. MCU pays on a published twice-monthly calendar rather than a fixed number of days: finish by the 21st of a month and the money arrives in the first week or so of the next month.

Walden Savings Bank serves the Hudson Valley in New York. One bonus per customer, and you are not eligible if you hold or have held another Walden Savings Bank checking account in the past 2 years. Super NOW Checking opens with $25; Advantage Checking opens with $5,000. The $300 lands in your primary checking account within 30 days of meeting the requirements. Keep the account open at least six months: if it closes sooner, the $300 is deducted from your closing balance. Offer valid through December 31, 2026.