Best bank bonuses in Rhode Island

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.

State restricted: MA, NH, ME, RI, CT, VT. New Country Bank checking customers only.

Available in CT, MA, NH, RI. New checking customers only.

This reaches most people as a mailed offer tied to the address on the mailer, though readers report bankers honouring it in branch without the online link, so ask. Open your first new Clearly Better Business Checking or Business Advisor Checking between 4/1/2026 and 8/31/2026. Your tier is set by a single new-money deposit: $5,000 to $14,999.99 pays $300, $15,000 to $29,999.99 pays $500, $30,000 to $99,999.99 pays $750 and $100,000 or more pays $1,500. The money must not already be on deposit at Citizens. Complete 5 qualifying transactions within two months. Soft pull, and available across CT, DE, MA, MI, NH, NJ, NY, OH, PA, RI, VT, VA, DC, MD and FL.

Rhode Island only. Business checking account. Must open with funds from sources other than Washington Trust.

Washington Trust Company (Rhode Island). The bonus is offered on Student, Simply Free, Freedom Free, Freedom Plus and Freedom Ultra Checking. No dollar minimum is stated for the two direct deposits, but person to person transfers such as Zelle, Venmo and PayPal do not count. Limited to one cash bonus per tax reported owner. You are not eligible if you received a cash bonus on a previous Washington Trust account within the two years before this account opening date. No published end date.

Membership: Navigant Credit Union field of membership (Rhode Island). New Journey Rewards Checking accounts only, limit one per member. The $100 is deposited within 60 days of account opening and your account must stay active and in good standing to receive it. The direct deposit, 12 debit card purchases and eStatement requirements you will see on the account page are what earn the 3.00% APY each statement cycle, not the cash bonus. Promotion ends 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.