Best bank bonuses in North Dakota

New checking customers only.

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.

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.

HSBC Premier Relationship required, which typically means $75,000+ combined balances or a qualifying HSBC mortgage. High-balance offer, new Premier customers only. New-customer offer: account must be open by August 31, 2026 (extended; DoC 7/11/26: 'extended through 8/31/26 or 12/31/26 depending on the offer').

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.

You must ALREADY have been an HSBC Premier client with an open Premier checking account as of June 30, 2026. This is a closed group: if you were not a Premier client by that date you cannot qualify, no matter how much you deposit now. Add $150,000 or more in net new assets to eligible accounts by August 31, 2026, measured as the increase over your June 30 baseline, and hold those assets through November 30, 2026. Eligible accounts include Premier checking, Premier Savings, Premier Relationship Savings, Managed Portfolio, Spectrum, and advised or self-directed brokerage. You also have to opt in to HSBC marketing emails by November 30, 2026. The cash is paid by February 15, 2027.

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.