Best bank bonuses in Utah

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.

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 when you apply, and BMO may ask for proof of address. Not available if you already hold a BMO personal checking account or closed one in the past 12 months, including as a trustee, signer or joint owner. One bonus per client.

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

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.

Membership: America First field of membership, which covers selected counties in Utah, Nevada, Arizona, Idaho, New Mexico, Oregon and California. Primary owners of an America First account opened within the last 12 months are ineligible, as are employees, volunteers, and business, secondary, and special accountholders. Close or transfer the accounts within 12 months and you forfeit the bonus. Cash is deposited within 60 days of meeting the requirements. TWO STATES ARE SINGLE-COUNTY ONLY, so read these before you apply. OREGON: the field of membership covers eligible areas of MALHEUR COUNTY ONLY. If you live, work, worship, volunteer or attend school there you qualify; anywhere else in Oregon you do not. CALIFORNIA: the field of membership covers eligible areas of SAN BERNARDINO COUNTY ONLY, which America First picked up in its 2024 merger with 1st Valley Credit Union. The rest of California does not qualify. Oregon and California are listed here so people in those two counties can find the offer at all, and we ask you the county question directly rather than assuming.

Membership: Cyprus Credit Union (Utah). New Dream Rewards Checking accounts only, not business or secondary accounts, and one new checking offer per primary member. Qualifying direct deposits must be electronic deposits of a paycheck, pension or government benefits from an employer or government entity. The account has to be opened between January 1, 2026 and December 31, 2026. Closing the account within 90 days carries a $10 fee.

Membership: Canyon View Credit Union (formerly UFirst/University FCU) is open to Salt Lake, Davis, Summit, Tooele, Wasatch, and Utah County residents/workers/students/worshippers, or immediate family of an existing member -- but the credit union's own membership page also offers a second, wider route: Canyon View makes a donation to a charitable organization on your behalf, which qualifies membership with no stated cost and no residency condition. If you are outside those six Utah counties, that donation route is how you join. DD-attributable amount is $150 per the component-attribution rule. The official promo page (verified 2026-07-25) shows the composite new-member offer as up to $400 ($150 direct deposit + $150 debit + $100 auto loan), marked expired while the $150 direct-deposit component is still offered. Display the composite as up to $400 with the $150 DD-attributable framing.

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.

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.

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.

New business checking customers only. A business is not eligible if it currently owns a Wells Fargo business checking account or has closed one in the past 90 days. Sole proprietors qualify, and no LLC is required.

Available to Hawaii residents (Chase personal checking/savings bonuses are obtainable in HI). New Chase savings customers only. Not available if you closed a Chase savings account in the last 90 days or with a negative balance in the last 3 years. One savings bonus every 2 years. Combo bonus ($400) requires also completing checking direct deposit requirement.

Once-per-lifetime: not eligible if you've ever received a FourLeaf new-checking bonus, and only one checking bonus per person. Four Leaf FCU (formerly Bethpage Federal Credit Union, rebranded 2026). Membership is open to anyone nationwide who opens a $5 savings share, with no New York residency, employer group, association, or donation required (the easy Bethpage-era path survived the rebrand). Must be a U.S. citizen or permanent resident (green-card holder); requires SSN and a government photo ID. Account must be opened between 02/02/2026 and 12/31/2026.

Must not have had a BofA personal checking account in the past 12 months; one bonus per customer every 12 months.

Business checking. New BlueVine business checking customers only. New-customer terms: has NOT had a Bluevine Business Checking account open in the last 12 months (12-month cooldown, not once-per-lifetime).

OUT-OF-STATE IS ELIGIBLE with a member referral code, backed by multiple approved out-of-state datapoints (2026-07-20: 'approved as an out-of-state applicant'; 2026-06-09 OOS instant approval; 2026-07-21 instant approval on a friend's code). Without a referral, membership runs through the CA field of membership (Stanford affiliation, or FOPAL/MOAH association). Was previously coded CA-only, which hid the offer from every non-CA user. PULLS CHEXSYSTEMS, and small CUs tolerate churners poorly, with denials reported at high inquiry counts. One bonus per member (lifetime).

Available nationwide. U.S. Bank's own wording is that the offer "may not be available if you live outside of the U.S. Bank footprint" — that is a soft clause, not a hard block. If you are outside their branch footprint, members often qualify by first opening a U.S. Bank brokerage account or credit card and then applying for the checking account. U.S. Bank accounts are obtainable by Hawaii residents (online/existing-relationship), per direct HI experience. Must not have existing US Bank consumer checking, had one in the last 12 months, or received a US Bank checking bonus in the past 12 months. Not available with Trust Accounts or Alliance partnerships.

Nationwide; open online or at branch by August 31, 2026. No signer may have an existing PNC consumer checking account or have closed one within the past 12 months, and no primary signer may have received a PNC consumer-checking promotional premium within the past 24 months.

Not available to existing Chase checking customers, or if you closed a Chase checking account within 90 days or closed one with a negative balance in the last 3 years. Available to Hawaii residents (Chase personal checking/savings bonuses are obtainable in HI). Payroll, pension, or government benefits via ACH, RTP, FedNow, or Visa/Mastercard debit network qualify. Zelle, cash, checks, wire transfers, and interest do not. Micro-deposits do not qualify.

Primary owner only; must be new Wells Fargo checking customer and must not have received Wells Fargo consumer checking bonus in the past 12 months.

One direct-deposit bonus per SSN lifetime; new SoFi Checking & Savings users (and some existing users without prior DD setup) may qualify.

New PNC business checking customers only: no existing PNC business checking, no account closed in the past 90 days, and no PNC bonus received in the past 12 months. Open by September 30, 2026. Annual business revenue must be under $10 million. Available nationwide, including states with no PNC branch, because the offer attaches to an online application from outside the branch footprint and PNC accepts it. The terms name no excluded states.

Platinum Business Checking pays $1,200 at $25,000; Business Essentials pays $400 at $5,000. Promo code Q3DIG26, which U.S. Bank rotates every quarter and which applies automatically from the offer page. Deposit the new money within 30 days of opening, keep at least that balance for 60 days, and complete 6 qualifying transactions. Not available in New York or Florida, and in any other state without a U.S. Bank branch you generally need an existing relationship. On Platinum the $30 monthly maintenance fee is waived at a $25,000 average collected checking balance, which the bonus deposit itself clears; Business Essentials has no monthly maintenance fee. Offer valid through September 27, 2026.