Best bank bonuses in Washington

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.

Available to residents of California, Idaho, Oregon, and Washington. Use promo code 2026DP. One personal-checking opening bonus per 2 years; customers who closed a Banner account in the last 2 years are ineligible.

New WSECU members (live/work/worship in WA or related to a member). Closed WSECU checking within 24 months = ineligible.

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.

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 at the time you apply, and BMO may ask for proof of address. You cannot already hold a BMO personal checking account or have closed one in the past 12 months, and it is one bonus per customer.

State restricted: WA. New WECU checking customers only.

Membership is county-based and crosses the state line. You must live, work, worship, own a business or go to school in one of these counties: Clackamas, Columbia, Hood River, Multnomah, Washington or Yamhill in Oregon, or Clark or Skamania in Washington. WASHINGTON IS ONLY CLARK AND SKAMANIA COUNTIES (the Vancouver area) — the rest of Washington cannot join. Referral from an existing member required. A new member is defined as someone who has NEVER been an owner or signer on a CCCU checking account, savings account or loan, so this is once per lifetime. The person referring you cannot be in your household, and CCCU employees and their friends and family are excluded. You must be 18 or older. If you are the one referring, note the cap: a member can earn at most $500 of referral bonuses per calendar year, so five referrals is the ceiling. CCCU can modify or cancel the programme without notice, though a cancellation does not affect accounts already opened and still working through the requirements.

HOW YOU ACTUALLY JOIN FROM OUTSIDE THE FOOTPRINT, added 2026-07-31 because its absence made this record read as a Hawaii bug. BECU's own membership page states the routes as ALTERNATIVES, verbatim: 'You may either live, work, worship or attend school in certain geographies, be a part of an affiliated organization, or request that a $5 donation be made to the BECU Foundation on your behalf to meet eligibility criteria.' The donation SUBSTITUTES for the geography rather than adding to it, which is why lib/data/cuMembership classifies this as an association_path with no reach limit and why the planner offers it outside WA/ID/OR. The state list on this record describes the GEOGRAPHY route only and is not the whole of eligibility. For new BECU members only, age 18 and older. BECU membership required (Washington residents plus select Idaho, Oregon and South Carolina counties and BECU partner employers). One $300 New Account promotion incentive for the life of the membership. Use promo code CKG300Q226.

Available in ID and WA. New members only.