Best bank bonuses in Washington

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.

Washington. WSECU's own join step reads: do you live, work, worship or study in WA? If so you are eligible. The offer is for new WSECU members. The $500 page is marketed at people moving to the Greater Seattle area and lists the five Seattle-area branches, but it states no Seattle-only requirement and the eligibility step it links to is the plain statewide WA test, so we have not narrowed it below WA. The 24-month closed-account exclusion we used to store here is NOT on this offer's terms; it belongs to WSECU's separate $300 version of the same account.

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.

State restricted: WA. New WECU checking customers only.

Available in ID and WA. New members only.

Membership: you are eligible if you live or work in Benton, Clackamas, Clatsop, Columbia, Coos, Crook, Curry, Deschutes, Douglas, Gilliam, Hood River, Jackson, Jefferson, Josephine, Klamath, Lane, Lincoln, Linn, Marion, Morrow, Multnomah, Polk, Sherman, Tillamook, Wasco, Washington or Yamhill County in Oregon, or Clark or Skamania County in Washington. Immediate and most extended family of a member can join too, and you stay a member for life even if you move. It takes $5 to open membership. Members under 18, businesses, trusts, and anyone who holds or has held an Oregon State CU checking account in the previous 12 months are not eligible for the bonus. College students have a separate $300 student checking offer. No stated end date.

Serves Washington plus parts of Oregon and Idaho, and membership is open to anyone who lives, works, worships, or attends school there, with family and employer relationships also qualifying. You must be over 18 and must not have had any Gesa checking account in the last 24 months. Only one incentive can be earned per member. The $25 minimum opening deposit applies online and is waived in a branch. No minimum ongoing balance is required. The $250 is paid by direct deposit into your member savings account within 60 days of completing all requirements. Closing the checking account within 180 days of opening triggers a $20 early closure fee. No end date is stated.

Lives, works, worships, or attends school in Washington State. Lives or works in Oregon counties of Linn, Benton, Lane, Marion and Polk. Limit one bonus per tax identification number. Not valid on consumer accounts or anyone with existing business account at Red Canoe CU.

Promo 2026DP. Must not have existing Banner business checking. Deposit $5k ($250) or $10k ($500) within 60 days, maintain 90 days. Branch-only opening (OR/WA/CA/ID residents). One bonus per business entity every 2 years (per issuer page).

Membership: Horizon Credit Union (Washington state plus select counties of Idaho, Montana and Oregon), and residence has to be verified at membership application. You must be over 18. Only for people who do not currently have a Horizon checking account and have not had one in the last five years. Not eligible on Youth or Business accounts. One offer per household and a membership fee may apply. Described as a limited time offer with no published end date.

Lives, works, worships, or attends school in Washington State. Lives or works in Oregon counties of Linn, Benton, Lane, Marion and Polk. Limit one bonus per social security number. Not valid on business accounts or for anyone with existing ownership account at Red Canoe Credit Union. Must be age 16 or older.

Member must be at least 13 years old and in good standing. Cannot have had SCU checking in last 6 months. Must be full member and primary signer.

Membership: Verity Credit Union (Washington state). This is a referral offer, so you need an existing member to submit your name before you join. You must be at least 18 and must not have owned a Verity Prime Share Savings account in the previous two years. Youth memberships are excluded. Direct deposit is not part of the current terms. Referral incentives are capped at $500 per year and are reported as interest on IRS form 1099-INT. First mortgage products do not count as a qualifying loan.

Serves Oregon and SW Washington. Accounts must be open and in good standing at payout (~60 days). No fixed deadline stated.

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 Q4DIG26. Expires January 13, 2027. 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).