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.

Consumer accounts only. New members age 18+. Guardian, representative payee, executor, business, organizational, collection, and charge-off accounts excluded. Cannot combine with other membership, checking, or referral promotions. Eligibility limited to portions of NY, PA, NJ within Visions' field of membership.

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.

Not available to existing Northwest checking account customers or those who closed a Northwest checking account within the last 12 months. One new account-related bonus per calendar year.

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.

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.

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.

C&N is Citizens & Northern, with offices in Bradford, Cameron, Lycoming, Potter, Sullivan, Tioga, Union, Snyder, Northumberland, Bucks, York, Lancaster and Chester Counties in Pennsylvania and Steuben and Chemung Counties in New York, and the offer is valid for applicable counties in that market area. Eligible consumer checking products are C&N Everyday Checking, C&N Relationship Checking and C&N Merit Checking, and the offer is valid once per household. Must be 18 or older, and only one promo code may be used at account opening. Digital banking transfers between your own accounts, debit card round up transactions, overdraft protection transactions and bank fees do not count toward the 12 monthly transactions. All accounts must stay open for six months from opening, and the payout comes within 45 days of the six month anniversary of opening the checking account, so budget roughly seven and a half months. Offer valid through December 31, 2026.

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.

NY residents only (due to state money transmitter licensing limitations). Requires active X Premium or Premium+ subscription. Some Premium/Premium+ members report being unable to sign up for unknown reasons.

Opened in a branch only, and it is not advertised online, so you have to mention the offer to a Citi Business Specialist and it may not be honoured at every branch. New business checking customers only. Citi's branch network is the practical limit on where you can do this, so plan around CA, FL, IL, MD, NV, NY and Washington DC. Deposit within 45 days of opening and keep the balance in place for 60 calendar days after the deposit.

New business checking customers only. Use promo code BD, which applies automatically if you open online. Online opening is available to sole proprietors only, so any other entity type has to go into a branch. Your tier is set by the average ledger balance in the third full calendar month after you open, and the money is credited by the end of the fourth month. State restricted to CT, DC, DE, MD, NJ, NY, PA, VA and WV. Open by September 30, 2026. The bonus opens Business Essential at $5 a month waived at a $1,000 average ledger balance, Plus at $15 waived at $7,500, or Premium at $25 waived at $10,000, so pick the account whose threshold your deposit already clears; the fee is also waived automatically for the first three months, which covers most of the hold. Closing within 180 days costs $50 and forfeits the bonus.

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.

Limited to select New York counties and towns. Must be eligible for Sidney Federal Credit Union membership. New checking accounts only; converting existing accounts does not qualify.

Flagstar is a multi-state bank. You cannot get this bonus on your own: you have to register with an existing customer's referral link first, and an application opened any other way does not qualify. The reward is a $200 Visa Reward Card rather than cash, so allow 4 to 6 weeks after you complete every requirement for it to arrive. You are not eligible if you have been paid a Flagstar checking bonus before or have closed any Flagstar checking account in the last 365 days, and the offer is limited to one checking bonus per customer. Closing the account within 180 days can trigger an early closure fee and reclamation of the bonus. Eligible accounts are Flagstar Ready Checking, Flagstar Elite Checking and Flagstar One Checking. No end date is stated.

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.

Jovia Financial Credit Union serves Long Island, New York. This is a first-checking-account offer: members who hold or have ever held a Jovia checking account are not eligible, and employees, volunteers and affiliates of Jovia and their immediate families are excluded. Membership eligibility requirements apply and are not printed on the promotions page, so confirm you qualify before applying. The bonus is reported as income on IRS form 1099-INT.

Valley National Bank, which trades under the 'Valley' brand at valley.com and is multi-state (NJ, NY, FL, AL). Not to be confused with Valley Bank of Roanoke, Virginia (myvalleybank.com, VA/WV/MD/NC/KY/TN), a separate institution whose own $100 checking promotion expired in 2015. No Valley personal checking in the past 12 months. Paid within 30 days after the DD is met and the account has been open 120 days. No fixed deadline stated.

Membership: First Heritage Federal Credit Union, open to people who live, work, worship or attend school in Allegany, Chemung, Livingston, Schuyler, Steuben, Tioga or Yates counties in New York, or Bradford, Lycoming, Potter or Tioga counties in Pennsylvania. This is the credit union's standing APEX Rewards offer, not a dated promotion: there is no opening deadline, and your clock is a rolling 60 days from the day you open. First Heritage does note the offer may be changed or withdrawn at any time. Choose APEX Cash for dividends or APEX Cash Back for debit card cash back; both keep earning only while you meet the monthly ACH and debit activity.

Membership: AmeriCU CU, now approved to serve all of New York State. Limit three AmeriCU High Rate or Rewards Checking accounts per member. No stated expiration.

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.