Checking Bonuses · October 2026
Best checking account
bonuses in 2026
202 live personal checking bonuses, 26 open nationwide and 176 limited to certain states. Open the account, route a direct deposit, hit the requirement, collect. Catalog last updated October 6, 2026.
🏦💰🏢📈
Checking
Direct-deposit bonuses
Savings
Park-cash bonuses + HYSA
Business
No LLC needed · 20%+ APY
Brokerage
Robinhood, Webull, Public
Get notified when new bonuses drop
Weekly updates on the best bank and savings bonuses. No spam — just the offers worth doing.
Checking bonuses open nationwide
See full checking rankings →26 live offers, direct-deposit accounts first
How we rank these. Personal accounts you can earn with a direct deposit come first, biggest bonus at the top. Business accounts, private-client tiers, and offers asking for more than $25,000 of your own money stay in the table with a label on them, but they do not get a top pick card. The Easy, Medium and Hard chip is a separate question from the order: it rates how much work the offer asks of you, from the deposit and the hold to the monthly fee and whether you can join at all.
TOP PICK
Four Leaf Federal Credit Union
$550
See offer for requirements
The FourLeaf (formerly Bethpage) $550 is really three bonuses stacked into one, and the fine print matters. You get $350 after jus…
Bank of America
$500
$10,000 DD · 90d window
Bank of America is currently offering a tiered checking bonus paying up to $500. Each rung has its own requirement: $100 with $2,0…
Stanford Federal Credit Union
$500
See offer for requirements
Stanford Federal Credit Union's new-member offer is a 9-part CashBack+ stack totaling $625, not a flat number. The core $500 needs…
PNC Bank
$400
$5,000 DD · 60d window
PNC's $400 checking bonus through Virtual Wallet with Performance Select needs $5,000 in qualifying direct deposits within 60 days…
Chase
$400
$1,000 DD · 90d window
Chase's $400 checking bonus is the gold standard for bank bonus newcomers. Simple requirements ($1,000 direct deposit in 90 days),…
SoFi
$400
$5,000 DD · 25d window
SoFi is currently offering a tiered checking bonus paying up to $400. Each rung has its own requirement: $50 with $1,000 in direct…
23 of 23 shown
| # | Bank | Bonus | DD required | Window | Fee | Expires | Go |
|---|---|---|---|---|---|---|---|
| 1 | Four Leaf Federal Credit Union Easy $500 of direct deposit, nothing held Chex high · soft pull · no early close fee | $550 checked Jul 27 | Required | 90d | $0 | Dec 31 | Offer ↗ |
| 2 | Bank of America Hard $10,000 of direct deposit Chex low · soft pull | $500 checked Jul 27 | $10,000 | 90d | $12 | Jan 31 | Offer ↗ |
| 3 | Stanford Federal Credit Union+3 add-on bonuses, $625 total → Medium Join the credit union first, usually a small donation Chex high · soft pull · no early close fee | $500 checked Sep 4 | Required | 90d | $0 | No end date | Offer ↗ |
| 4 | PNC Bank Medium $5,000 of direct deposit Chex medium · soft pull · no early close fee | $400 checked Aug 9 | $5,000 | 60d | $25 | Jan 7 | Offer ↗ |
| 5 | Chase Medium $15 a month you have to pay Chex low · soft pull · no early close fee | $400 checked Jul 23 | $1,000 | 90d | $15 | Oct 14 | Offer ↗ |
| 6 | SoFi Medium $5,000 of direct deposit Chex low · soft pull · no early close fee | $400 checked Jul 27 | $5,000 | 25d | $0 | Dec 31 | Offer ↗ |
| 7 | Navy Federal Credit Union Hard Membership depends on your employer, county or school Chex medium · hard pull | $400 checked Oct 6 | $500 | 120d | $0 | No end date | Offer ↗ |
| 8 | American Express Hard $7,500 of direct deposit Chex low · soft pull | $300 checked Sep 24 | $7,500 | 90d | $0 | Feb 1 | Offer ↗ |
| 9 | PSECU Medium Join the credit union first, usually a small donation Chex medium · soft pull · no early close fee | $300 checked Jul 27 | Required | 100d | $0 | Dec 31 | Offer ↗ |
| 10 | Capital One Easy $1,000 of direct deposit, nothing held Chex low · soft pull · no early close fee | $300 checked Jul 27 | Required | 75d | $0 | No end date | Offer ↗ |
| 11 | Chase Medium $15 a month you have to pay Chex low · soft pull · no early close fee | $300 checked Aug 5 | $500 | 90d | $15 | Oct 14 | Offer ↗ |
| 12 | KeyPoint Credit Union Medium Join the credit union first, usually a small donation Chex high · soft pull | $300 checked via a secondary source | Required | 60d | $0 | Dec 31 | Offer ↗ |
| 13 | Beacon Bank Easy $1,000 of direct deposit, nothing held Chex low · soft pull · no early close fee | $300 checked Jul 27 | Required | 60d | $0 | No end date | Offer ↗ |
| 14 | Ion Bank Medium Debit card transactions on top of the deposit Chex unknown | $300 checked Aug 9 | $1,000 | 90d | $0 | Dec 31 | Offer ↗ |
| 15 | Varo Bank Easy $500 of direct deposit, nothing held Chex low · soft pull · no early close fee | $150 checked Sep 4 | Required | 45d | $0 | No end date | Offer ↗ |
| 16 | Current Medium $1,500 of direct deposit Chex low | $100 checked Aug 22 | $1,500 | 35d | $0 | No end date | Offer ↗ |
| 17 | Affinity Federal Credit Union Medium Join the credit union first, usually a small donation Chex high · soft pull · no early close fee | $100 checked Aug 8 | $500 | 60d | $0 | No end date | Offer ↗ |
| 18 | Chime Easy $200 of direct deposit, nothing held Chex low · soft pull · no early close fee | $100 checked Aug 8 | Required | 45d | $0 | No end date | Offer ↗ |
| 19 | GreenFi Easy $200 of direct deposit, nothing held Chex unknown · soft pull · no early close fee | $75 checked Aug 8 | Required | 45d | $0 | No end date | Offer ↗ |
| 20 | FAIRWINDS Credit Union Medium Debit card transactions on top of the deposit Chex unknown · no early close fee | $50 checked Jul 27 | $500 | 60d | See terms | No end date | Offer ↗ |
| 21 | HSBC Hard $50,000 of your own money Chex low · soft pull · no early close fee No direct deposit$50,000 of your own money | $3,000 checked Sep 4 | None | 30d | $50 | Dec 31 | Offer ↗ |
| 22 | Percapita Easy No direct deposit and nothing to hold Chex low · soft pull · no early close fee No direct deposit | $300 checked Jul 29 | None | 30d | $0 | Dec 31 | Offer ↗ |
| 23 | BECU Medium Join the credit union first, usually a small donation Chex low · soft pull No direct deposit | $100 checked Sep 25 | None | See terms | $0 | Dec 31 | Offer ↗ |
Swipe the table sideways for fees, expiry and screening details.
Checking bonuses in specific states
176 live offers from regional banks and credit unions
These pay the same way the nationwide offers do, they are just limited to where the bank operates. Filter by your state, or open the state pages to see everything available where you live.
176 of 176 shown
| # | Bank | Bonus | DD required | Window | Fee | Expires | States | Go |
|---|---|---|---|---|---|---|---|---|
| 1 | Dedham Savings Hard $20,000 of direct deposit Chex medium · soft pull | $750 checked Aug 8 | $20,000 | 90d | $0 | Dec 31 | MA | Offer ↗ |
| 2 | Pittsfield Coop Bank Medium $3,000 of direct deposit Chex medium · soft pull · no early close fee | $750 checked Jul 25 | Required | 180d | $15 | No end date | MA | Offer ↗ |
| 3 | BOK Financial Hard $8,000 of direct deposit Chex unknown · soft pull | $750 checked Sep 4 | $8,000 | 90d | $25 | Dec 31 | CO | Offer ↗ |
| 4 | Bank of Texas Hard $8,000 of direct deposit Chex unknown · soft pull · no early close fee | $650 checked Aug 3 | $8,000 | 90d | $25 | Dec 31 | TX | Offer ↗ |
| 5 | BMO Easy $1,000 of direct deposit, nothing held $50 early close | $600 checked Sep 9 | Required | 210d | $0 | Dec 15 | AZ, CA, +12 more | Offer ↗ |
| 6 | Old National Bank Hard $12,000 of direct deposit Chex low · soft pull · no early close fee | $600 checked Jul 27 | $12,000 | 120d | $0 | Oct 30 | IA, IL, +7 more | Offer ↗ |
| 7 | Peoples Bank Medium Debit card transactions on top of the deposit Chex low · soft pull · no early close fee | $600 checked Sep 4 | Required | 180d | $20 | No end date | DC, KY, +4 more | Offer ↗ |
| 8 | Campus Federal Credit Union Medium Join the credit union first, usually a small donation Chex unknown · no early close fee | $600 checked Aug 5 | $1,000 | 90d | $10 | No end date | LA | Offer ↗ |
| 9 | Associated Bank Medium $1,000 to deposit and leave Chex unknown · no early close fee | $600 checked Jul 27 | $500 | 90d | $0 | Oct 31 | IA, IL, +7 more | Offer ↗ |
| 10 | Verve, A Credit Union Medium Join the credit union first, usually a small donation Chex medium · soft pull | $600 checked Sep 4 | $1,000 | See terms | $15 | Dec 31 | WI, MN, IL | Offer ↗ |
| 11 | Wintrust Bank Medium $2,000 of direct deposit Chex low · soft pull · no early close fee | $500 checked Jul 27 | Required | 90d | $0 | No end date | IL, FL, +3 more | Offer ↗ |
| 12 | Central Bank of the Midwest Medium $5,000 of direct deposit Chex low · soft pull · no early close fee | $500 checked Jul 25 | $5,000 | 90d | $0 | Dec 31 | OK, IL, +3 more | Offer ↗ |
| 13 | KeyBank Medium $5,000 of direct deposit Chex low · soft pull · no early close fee | $500 checked Sep 4 | $5,000 | 90d | $25 | Dec 11 | AK, CO, +13 more | Offer ↗ |
| 14 | Columbia Bank Medium $2,000 of direct deposit Chex unknown · no early close fee | $500 checked Aug 30 | $2,000 | 60d | $10 | No end date | NJ | Offer ↗ |
| 15 | WSECU Medium Debit card transactions on top of the deposit Chex high · soft pull · no early close fee | $500 checked Aug 3 | Required | 90d | $0 | Dec 31 | WA | Offer ↗ |
| 16 | Visions Federal Credit Union Hard Membership depends on your employer, county or school Chex medium · soft pull | $500 checked Sep 14 | $5,000 | 90d | $0 | No end date | NJ, NY, PA | Offer ↗ |
| 17 | TruStone Financial Credit Union Hard Membership depends on your employer, county or school Chex unknown · no early close fee | $450 checked Jul 27 | $5,000 | 60d | See terms | Dec 31 | MN, WI | Offer ↗ |
| 18 | Byline Bank Medium $5 a month you have to pay Chex medium · soft pull · $25 early close | $450 checked Sep 4 | $1,000 | 120d | $5 | No end date | IL, WI | Offer ↗ |
| 19 | Maxx by Cedar Rapids Bank & Trust Medium Debit card transactions on top of the deposit Chex medium | $425 checked Sep 4 | $500 | 180d | $5 | No end date | IA | Offer ↗ |
| 20 | Regions Bank Medium $8 a month you have to pay Chex low · soft pull · $25 early close | $400 checked Aug 8 | Required | 90d | $8 | Dec 31 | AL, AR, +13 more | Offer ↗ |
| 21 | Fulton Bank Easy $1,000 of direct deposit, nothing held Chex low · soft pull · no early close fee | $400 checked via a secondary source | Required | 90d | $0 | Dec 31 | DE, DC, +4 more | Offer ↗ |
| 22 | Banner Bank Medium $5,000 of direct deposit Chex medium · soft pull | $400 checked Sep 1 | $5,000 | 60d | See terms | Oct 31 | CA, ID, +2 more | Offer ↗ |
| 23 | Seacoast Bank Easy $1,000 of direct deposit, nothing held Chex low · soft pull · no early close fee | $400 checked Jul 27 | $1,000 | 90d | $0 | Dec 31 | FL, GA | Offer ↗ |
| 24 | MidFlorida Credit Union Hard Membership depends on your employer, county or school Chex low · soft pull · no early close fee | $400 checked Jul 27 | Required | 75d | $0 | No end date | FL | Offer ↗ |
| 25 | Community State Bank Medium Debit card transactions on top of the deposit Chex low · soft pull · $30 early close | $400 checked Sep 4 | Required | 90d | $0 | Dec 31 | IA | Offer ↗ |
| 26 | WECU Easy $1,000 of direct deposit, nothing held Chex low · soft pull · no early close fee | $400 checked Jul 23 | Required | 60d | $0 | Dec 31 | WA | Offer ↗ |
| 27 | Dollar Bank Medium $2,500 of direct deposit Chex unknown · no early close fee | $400 checked Jul 27 | $2,500 | 90d | $5 | Dec 31 | PA, OH, +2 more | Offer ↗ |
| 28 | Addition Financial Credit Union Hard Membership depends on your employer, county or school Chex unknown · no early close fee | $400 checked Aug 30 | Required | 90d | See terms | No end date | FL | Offer ↗ |
| 29 | Consolidated Community Credit Union Hard Membership depends on your employer, county or school Chex unknown · soft pull · no early close fee | $400 checked Jul 29 | Required | 30d | $0 | No end date | OR, WA | Offer ↗ |
| 30 | First Merchants Bank Medium $10 a month you have to pay Chex medium · soft pull · $50 early close | $400 checked Sep 4 | $500 | 90d | $10 | Dec 31 | MI | Offer ↗ |
| 31 | Oriental Bank Medium $4,500 of direct deposit Chex medium | $400 checked Aug 22 | $4,500 | See terms | $0 | No end date | See terms | Offer ↗ |
| 32 | Northwest Bank Easy $1,000 of direct deposit, nothing held Chex low · soft pull · $25 early close | $400 checked Sep 1 | $1,000 | 90d | $0 | Dec 31 | NY, OH, +2 more | Offer ↗ |
| 33 | OMNI Community Credit Union Hard Membership depends on your employer, county or school Chex medium · hard pull · no early close fee | $400 checked via a secondary source | $500 | 60d | $0 | No end date | MI, IN | Offer ↗ |
| 34 | Equity Bank Medium Debit card transactions on top of the deposit Chex medium · no early close fee | $400 checked Sep 6 | $1,000 | 45d | $0 | No end date | KS, MO, +3 more | Offer ↗ |
| 35 | GBC Bank Medium Your money is tied up about 120 days Chex medium · soft pull · $25 early close | $400 checked Sep 20 | $900 | 90d | $0 | No end date | IN | Offer ↗ |
| 36 | Frontwave Credit Union Hard Membership depends on your employer, county or school Chex low · soft pull · no early close fee | $350 checked Jul 27 | $1,000 | 90d | $0 | No end date | CA | Offer ↗ |
| 37 | America First Credit Union Hard Membership depends on your employer, county or school Chex unknown · no early close fee | $350 checked Aug 3 | $1,000 | 60d | See terms | No end date | UT, AZ, +5 more | Offer ↗ |
| 38 | Credit Union West Hard Membership depends on your employer, county or school Chex unknown · no early close fee | $350 checked Jul 27 | $1,000 | 60d | $0 | Dec 31 | AZ | Offer ↗ |
| 39 | LGE Community Credit Union Hard Membership depends on your employer, county or school Chex unknown · no early close fee | $350 checked Jul 27 | Required | 90d | $0 | Dec 31 | GA | Offer ↗ |
| 40 | Municipal Credit Union Hard Membership depends on your employer, county or school Chex unknown · no early close fee | $350 checked Jul 27 | $3,000 | 90d | See terms | Dec 31 | NY | Offer ↗ |
| 41 | PeoplesBank Medium $1,500 of direct deposit Chex medium · soft pull | $350 checked Oct 6 | $1,500 | 60d | $0 | No end date | MA, CT | Offer ↗ |
| 42 | Fifth Third Bank Easy $500 of direct deposit, nothing held Chex medium · soft pull · no early close fee | $300 | $500 | 90d | $0 | Jan 4 | AL, FL, +10 more | Offer ↗ |
| 43 | TD Bank Medium $2,500 of direct deposit Chex low · soft pull · no early close fee | $300 checked Jul 29 | $2,500 | 60d | $25 | Nov 30 | CT, DC, +14 more | Offer ↗ |
| 44 | Hancock Whitney Medium $2,000 of direct deposit Chex low · soft pull · no early close fee | $300 checked Jul 27 | $2,000 | 90d | $10 | Feb 28 | AL, FL, +3 more | Offer ↗ |
| 45 | Credit Human Medium Debit card transactions on top of the deposit Chex low · soft pull · no early close fee | $300 checked via a secondary source | Required | 90d | $0 | Dec 31 | TX, LA | Offer ↗ |
| 46 | Bank of Hawaii Medium $3,500 of direct deposit Chex low · soft pull · $70 early close | $300 checked Aug 2 | $3,500 | 60d | $15 | No end date | HI | Offer ↗ |
| 47 | Florida Credit Union Hard Membership depends on your employer, county or school Chex low · soft pull · no early close fee | $300 checked Jul 27 | Required | 60d | $0 | No end date | FL | Offer ↗ |
| 48 | Cornerstone Community Financial CU Hard Membership depends on your employer, county or school Chex low · soft pull · no early close fee | $300 checked Jul 29 | Required | 90d | $0 | No end date | MI, OH | Offer ↗ |
| 49 | Carter Bank & Trust Easy $1,000 of direct deposit, nothing held Chex low · soft pull · $15 early close | $300 checked Sep 4 | $1,000 | 90d | $0 | No end date | NC, VA | Offer ↗ |
| 50 | Broadway Bank Medium $2,000 of direct deposit Chex low · soft pull · no early close fee | $300 checked Jul 25 | $2,000 | 90d | $0 | No end date | TX | Offer ↗ |
| 51 | Neighborhood Credit Union Hard Membership depends on your employer, county or school Chex low · soft pull · no early close fee | $300 checked Sep 4 | $2,000 | 90d | $0 | Dec 31 | TX | Offer ↗ |
| 52 | Holyoke Credit Union Hard Membership depends on your employer, county or school Chex low · soft pull · $300 early close | $300 checked Aug 2 | Required | 60d | $0 | No end date | MA | Offer ↗ |
| 53 | Grow Financial FCU Hard Membership depends on your employer, county or school Chex low · soft pull · no early close fee | $300 checked Sep 4 | Required | 90d | $0 | No end date | FL, SC | Offer ↗ |
| 54 | AllTru Credit Union Hard Membership depends on your employer, county or school Chex low · soft pull · no early close fee | $300 checked Aug 7 | Required | 60d | $0 | Oct 31 | MO | Offer ↗ |
| 55 | TopLine Financial Credit Union Hard Membership depends on your employer, county or school Chex unknown · no early close fee | $300 checked Jul 27 | Required | 90d | $0 | Dec 31 | MN | Offer ↗ |
| 56 | St. Mary's Bank Easy $1,000 of direct deposit, nothing held Chex unknown · no early close fee | $300 checked Jul 27 | $1,000 | 90d | See terms | No end date | NH | Offer ↗ |
| 57 | Financial Plus Credit Union Hard Membership depends on your employer, county or school Chex unknown · no early close fee | $300 checked Sep 4 | Required | 60d | See terms | No end date | MI | Offer ↗ |
| 58 | Unity Bank Hard $6,000 of direct deposit Chex unknown · no early close fee | $300 checked Jul 27 | Required | 180d | $3 | No end date | NJ, PA | Offer ↗ |
| 59 | Oregon State Credit Union Hard Membership depends on your employer, county or school Chex unknown · no early close fee | $300 checked Jul 27 | Required | 60d | $0 | No end date | OR, WA | Offer ↗ |
| 60 | Carolina Trust Federal Credit Union Hard Membership depends on your employer, county or school Chex unknown · no early close fee | $300 checked Jul 27 | Required | 90d | $5.95 | Dec 31 | SC | Offer ↗ |
| 61 | Schertz Bank & Trust Medium $1,500 of direct deposit Chex unknown · no early close fee | $300 checked Jul 27 | Required | 90d | $5 | No end date | TX | Offer ↗ |
| 62 | Cyprus Credit Union Hard Membership depends on your employer, county or school Chex unknown · no early close fee | $300 checked Aug 9 | $1,500 | 60d | $0 | Dec 31 | UT | Offer ↗ |
| 63 | PyraMax Bank Easy $300 of direct deposit, nothing held Chex unknown · no early close fee | $300 checked Jul 27 | Required | 60d | $0 | No end date | WI | Offer ↗ |
| 64 | Town Bank Easy $1,000 of direct deposit, nothing held Chex unknown · no early close fee | $300 checked Jul 27 | $1,000 | See terms | $0 | Nov 3 | WI | Offer ↗ |
| 65 | Malvern Bank Medium Debit card transactions on top of the deposit Chex medium | $300 checked Jul 25 | Required | See terms | $0 | No end date | IA | Offer ↗ |
| 66 | Hawthorn Bank Easy $500 of direct deposit, nothing held Chex medium · soft pull · $50 early close | $300 checked Jul 25 | $500 | 90d | $0 | No end date | MO, KS | Offer ↗ |
| 67 | Webster Bank Medium $11.95 a month you have to pay Chex medium · soft pull · $15 early close | $300 checked Aug 22 | $500 | 90d | $11.95 | No end date | CT, MA, +6 more | Offer ↗ |
| 68 | First National Bank Texas Medium $2,500 of direct deposit Chex low · soft pull · no early close fee | $300 checked Aug 22 | $2,500 | 60d | $12 | No end date | TX | Offer ↗ |
| 69 | Johnson Financial Group Medium $1,500 of direct deposit Chex medium · $35 early close | $300 checked via a secondary source | $1,500 | 90d | $10 | No end date | WI | Offer ↗ |
| 70 | Camden National Bank Medium $5 a month you have to pay Chex medium · soft pull · $25 early close | $300 checked Sep 11 | $500 | 60d | $5 | No end date | ME, NH | Offer ↗ |
| 71 | X Money Medium $3,000 of direct deposit Chex medium | $300 checked Sep 11 | $3,000 | See terms | $0 | No end date | NY | Offer ↗ |
| 72 | Wesbanco Medium Debit card transactions on top of the deposit Chex medium · soft pull · $25 early close | $300 checked Sep 11 | $1,000 | 60d | $6 | No end date | WV, PA, +4 more | Offer ↗ |
| 73 | Credit Union of the Rockies Hard Membership depends on your employer, county or school Chex medium · soft pull · $25 early close | $300 checked Oct 5 | $500 | 90d | $0 | No end date | CO | Offer ↗ |
| 74 | Point Breeze Credit Union Hard Membership depends on your employer, county or school Chex low · soft pull · no early close fee | $275 checked Jul 27 | $400 | 45d | $0 | No end date | MD | Offer ↗ |
| 75 | Georgia's Own Credit Union Hard Membership depends on your employer, county or school Chex medium · hard pull · no early close fee | $275 checked via a secondary source | $3,000 | 60d | $5.95 | No end date | GA | Offer ↗ |
| 76 | UNIFY Financial Credit Union Medium Join the credit union first, usually a small donation Chex low · soft pull · no early close fee | $250 checked Jul 27 | $500 | 60d | $0 | No end date | AR | Offer ↗ |
| 77 | Compass Community Credit Union Hard Membership depends on your employer, county or school Chex low · soft pull · no early close fee | $250 checked Jul 27 | $750 | 90d | $0 | No end date | CA | Offer ↗ |
| 78 | Valley Strong Credit Union Medium Join the credit union first, usually a small donation Chex low · soft pull · no early close fee | $250 checked Jul 27 | Required | 90d | $0 | No end date | CA | Offer ↗ |
| 79 | California Credit Union Hard Your money is tied up about 180 days Chex low · soft pull · no early close fee | $250 checked Jul 27 | Required | 120d | $0 | No end date | CA | Offer ↗ |
| 80 | ValleyStar Credit Union Hard Membership depends on your employer, county or school Chex low · soft pull · no early close fee | $250 checked Aug 2 | Required | 150d | $0 | No end date | NC, VA | Offer ↗ |
| 81 | Shell Federal Credit Union Medium Join the credit union first, usually a small donation Chex low · soft pull · no early close fee | $250 | $2,000 | 90d | $0 | Dec 31 | TX | Offer ↗ |
| 82 | Blaze Credit Union Medium Join the credit union first, usually a small donation Chex low · soft pull · no early close fee | $250 checked Jul 27 | Required | 60d | $0 | No end date | MN, WI | Offer ↗ |
| 83 | Gesa Credit Union Hard Membership depends on your employer, county or school Chex unknown · $20 early close | $250 checked Jul 27 | Required | 75d | See terms | No end date | WA, OR, ID | Offer ↗ |
| 84 | Greater Nevada Credit Union Hard Membership depends on your employer, county or school Chex unknown · no early close fee | $250 checked Aug 2 | Required | 60d | See terms | No end date | NV | Offer ↗ |
| 85 | Everwise Credit Union Hard Membership depends on your employer, county or school Chex unknown · no early close fee | $250 checked Jul 27 | Required | 60d | $0 | No end date | IN, MI | Offer ↗ |
| 86 | Air Academy Credit Union Hard Membership depends on your employer, county or school Chex unknown · $25 early close | $250 checked Jul 27 | $1,500 | 90d | $0 | No end date | CO | Offer ↗ |
| 87 | Alero Financial Medium $2,500 of direct deposit Chex unknown · no early close fee | $250 checked Aug 7 | $2,500 | 90d | $5.95 | Dec 31 | CT, IL | Offer ↗ |
| 88 | Florida West Coast Credit Union Hard Membership depends on your employer, county or school Chex unknown · no early close fee | $250 checked Jul 27 | Required | 60d | $0 | No end date | FL | Offer ↗ |
| 89 | Picatinny Federal Credit Union Hard Membership depends on your employer, county or school Chex unknown · no early close fee | $250 checked Jul 27 | Required | 60d | See terms | No end date | NJ | Offer ↗ |
| 90 | People First Federal Credit Union Hard Membership depends on your employer, county or school Chex unknown · no early close fee | $250 checked Sep 4 | $500 | 45d | $0 | No end date | PA, NJ, +2 more | Offer ↗ |
| 91 | REV Federal Credit Union Medium Join the credit union first, usually a small donation Chex unknown · no early close fee | $250 checked Jul 27 | $500 | 60d | $5 | No end date | SC, NC | Offer ↗ |
| 92 | Credit Union of Texas Hard Membership depends on your employer, county or school Chex unknown · no early close fee | $250 checked Aug 8 | Required | See terms | $6 | No end date | TX | Offer ↗ |
| 93 | Buckeye State Bank Medium Debit card transactions on top of the deposit Chex medium · soft pull · $30 early close | $250 checked Jul 25 | Required | See terms | $0 | No end date | OH | Offer ↗ |
| 94 | Inova Federal Credit Union Hard Membership depends on your employer, county or school Chex unknown · no early close fee | $250 checked Aug 9 | $200 | 60d | See terms | Nov 30 | IN | Offer ↗ |
| 95 | OMB Bank Medium Your money is tied up about 90 days Chex medium · soft pull · $25 early close | $250 checked via a secondary source | Required | 90d | $0 | No end date | MO, KS | Offer ↗ |
| 96 | Sovereign Bank Medium Debit card transactions on top of the deposit Chex medium | $250 checked via a secondary source | Required | 90d | $0 | No end date | OK | Offer ↗ |
| 97 | Sage Credit Union Hard Membership depends on your employer, county or school Chex medium | $250 checked Sep 7 | $500 | 90d | $0 | No end date | OR, CA, NV | Offer ↗ |
| 98 | Sidney Federal Credit Union Hard Membership depends on your employer, county or school Chex medium · soft pull · no early close fee | $250 checked Sep 8 | $2,500 | 60d | $0 | No end date | NY | Offer ↗ |
| 99 | Sterling Bank Medium Debit card transactions on top of the deposit Chex medium · soft pull | $250 checked Sep 22 | $500 | 60d | $0 | No end date | MO | Offer ↗ |
| 100 | Campus Federal Credit Union Medium Join the credit union first, usually a small donation Chex unknown · no early close fee | $225 checked Jul 27 | Required | 90d | $10 | No end date | LA | Offer ↗ |
| 101 | CIBC US Easy $500 of direct deposit, nothing held Chex low · soft pull · no early close fee | $200 checked Aug 3 | Required | 120d | $0 | No end date | IL, MI, +4 more | Offer ↗ |
| 102 | TBK Bank Hard $12,000 of direct deposit Chex low · soft pull · no early close fee | $200 checked Jul 27 | $12,000 | 120d | $24 | No end date | CO, IA, +3 more | Offer ↗ |
| 103 | CommunityAmerica Credit Union Medium Join the credit union first, usually a small donation Chex low · soft pull · no early close fee | $200 checked Aug 2 | Required | 60d | $0 | Dec 31 | KS, MO | Offer ↗ |
| 104 | Credit Union of America Medium Join the credit union first, usually a small donation Chex low · soft pull · no early close fee | $200 checked Jul 27 | Required | 90d | $0 | No end date | KS | Offer ↗ |
| 105 | 1st Advantage Federal Credit Union Hard Membership depends on your employer, county or school Chex low · soft pull · $15 early close | $200 checked Jul 27 | Required | 60d | $0 | No end date | NC, VA | Offer ↗ |
| 106 | North State Bank Medium Debit card transactions on top of the deposit Chex low · soft pull · no early close fee | $200 checked Aug 8 | Required | 180d | $10 | No end date | NC | Offer ↗ |
| 107 | Metro Credit Union Hard Membership depends on your employer, county or school Chex low · soft pull | $200 checked Aug 8 | Required | See terms | $0 | No end date | MA, NH | Offer ↗ |
| 108 | Desert Financial Credit Union Hard Membership depends on your employer, county or school Chex unknown · no early close fee | $200 checked Jul 27 | Required | 60d | $0 | No end date | AZ | Offer ↗ |
| 109 | Arizona Financial Credit Union Medium Join the credit union first, usually a small donation Chex unknown · no early close fee | $200 checked Jul 27 | Required | 60d | $0 | No end date | AZ | Offer ↗ |
| 110 | Flagstar Bank Medium Debit card transactions on top of the deposit Chex unknown · no early close fee | $200 checked Jul 27 | $1,000 | 90d | See terms | No end date | MI, NY | Offer ↗ |
| 111 | Think Bank Medium $2,000 of direct deposit Chex unknown · no early close fee | $200 checked Jul 27 | $2,000 | 60d | See terms | Nov 2 | MN | Offer ↗ |
| 112 | Washington Trust Company Easy A direct deposit, no minimum stated Chex unknown · no early close fee | $200 checked Aug 30 | Required | 90d | See terms | No end date | RI | Offer ↗ |
| 113 | City National Bank Easy $200 of direct deposit, nothing held Chex unknown · no early close fee | $200 checked Jul 27 | Required | 90d | See terms | No end date | WV, OH, +2 more | Offer ↗ |
| 114 | Bravera Bank Easy A direct deposit, no minimum stated Chex unknown · no early close fee | $200 checked Sep 4 | Required | See terms | $0 | Dec 31 | ND, MN, MT | Offer ↗ |
| 115 | Canyon View Credit Union Medium Join the credit union first, usually a small donation Chex unknown · no early close fee | $150 checked Jul 27 | Required | See terms | See terms | No end date | UT | Offer ↗ |
| 116 | Together Credit Union Hard Membership depends on your employer, county or school Chex unknown · no early close fee | $150 checked Jul 27 | Required | 60d | See terms | Dec 31 | MO, IL, +2 more | Offer ↗ |
| 117 | First Community Credit Union Hard Membership depends on your employer, county or school Chex unknown · no early close fee | $150 checked Jul 27 | $1,000 | 90d | $0 | Oct 31 | ND, MN | Offer ↗ |
| 118 | Old Second National Bank Easy $500 of direct deposit, nothing held Chex unknown · $50 early close | $150 checked Jul 27 | $500 | 90d | See terms | Dec 31 | IL | Offer ↗ |
| 119 | Embassy Bank Medium $2,000 of direct deposit Chex unknown · no early close fee | $150 checked Jul 27 | $2,000 | 90d | $0 | No end date | PA | Offer ↗ |
| 120 | Jovia Financial Credit Union Hard Membership depends on your employer, county or school Chex unknown · no early close fee | $150 checked Sep 4 | $1,500 | 90d | See terms | No end date | NY | Offer ↗ |
| 121 | Santa Rosa County Federal Credit Union Hard Membership depends on your employer, county or school Chex medium · hard pull | $150 checked via a secondary source | $1,000 | 90d | $0 | No end date | FL | Offer ↗ |
| 122 | Orion Financial Hard Hard credit pull to open Chex medium · hard pull · $10 early close | $150 checked Sep 14 | Required | 90d | $0 | No end date | AR, MS, TN | Offer ↗ |
| 123 | iTHINK Financial Credit Union Hard Membership depends on your employer, county or school Chex unknown · no early close fee | $125 checked Sep 4 | $1,000 | 60d | $0 | Dec 31 | FL, GA | Offer ↗ |
| 124 | Bank of Hawaii Medium $2,000 of direct deposit Chex low · soft pull · $40 early close | $100 checked Sep 4 | Required | 60d | $5 | No end date | HI | Offer ↗ |
| 125 | Aloha Pacific Federal Credit Union Hard Membership depends on your employer, county or school Chex unknown · no early close fee | $100 checked Jul 27 | $500 | See terms | See terms | Dec 31 | HI | Offer ↗ |
| 126 | La Capitol Federal Credit Union Hard Membership depends on your employer, county or school Chex unknown · no early close fee | $100 checked Jul 27 | Required | 180d | See terms | No end date | LA | Offer ↗ |
| 127 | Bell Bank Medium $1,500 of direct deposit Chex unknown · no early close fee | $100 checked Sep 4 | $1,500 | 60d | See terms | Apr 30 | MN, ND, AZ | Offer ↗ |
| 128 | South Carolina Federal Credit Union Hard Membership depends on your employer, county or school Chex unknown · no early close fee | $100 checked Jul 27 | Required | 60d | See terms | No end date | SC | Offer ↗ |
| 129 | First Financial Bank Medium Debit card transactions on top of the deposit Chex unknown · no early close fee | $100 checked Jul 27 | Required | 90d | See terms | No end date | OH, IN, +2 more | Offer ↗ |
| 130 | Affinity Federal Credit Union Medium Join the credit union first, usually a small donation Chex unknown · no early close fee | $100 checked Jul 27 | $500 | 60d | See terms | No end date | NJ | Offer ↗ |
| 131 | Valley National Bank Easy $500 of direct deposit, nothing held Chex unknown · no early close fee | $100 checked Jul 27 | $500 | 60d | $15 | No end date | NJ, NY, +2 more | Offer ↗ |
| 132 | cPort Credit Union Hard Membership depends on your employer, county or school Chex unknown · no early close fee | $100 checked Jul 27 | Required | 60d | See terms | No end date | ME | Offer ↗ |
| 133 | Freedom Federal Credit Union Hard Membership depends on your employer, county or school Chex unknown · no early close fee | $100 checked Jul 27 | $50 | 90d | See terms | No end date | MD | Offer ↗ |
| 134 | First Heritage Federal Credit Union Hard Membership depends on your employer, county or school Chex unknown · no early close fee | $100 checked Sep 4 | Required | 60d | $0 | No end date | NY, PA | Offer ↗ |
| 135 | USX Federal Credit Union Hard Membership depends on your employer, county or school Chex unknown · no early close fee | $100 checked Jul 27 | Required | 60d | See terms | No end date | PA | Offer ↗ |
| 136 | Bank of New Hampshire Easy A direct deposit, no minimum stated Chex unknown · no early close fee | $100 checked Sep 4 | Required | 90d | $10 | No end date | NH | Offer ↗ |
| 137 | Wellby Financial Easy $300 of direct deposit, nothing held Chex medium · soft pull · no early close fee | $100 checked Jul 25 | Required | 60d | $0 | No end date | TX | Offer ↗ |
| 138 | OnPoint Community Credit Union Hard Membership depends on your employer, county or school Chex unknown · no early close fee | $50 checked Jul 27 | Required | 60d | See terms | No end date | OR, WA | Offer ↗ |
| 139 | Clark County Credit Union Medium Join the credit union first, usually a small donation Chex unknown · no early close fee | $50 checked Jul 27 | $500 | 60d | See terms | No end date | NV | Offer ↗ |
| 140 | Magnolia Federal Credit Union Hard Membership depends on your employer, county or school Chex unknown · no early close fee | $50 checked Jul 27 | $250 | See terms | $0 | No end date | MS | Offer ↗ |
| 141 | A+ Federal Credit Union Medium Join the credit union first, usually a small donation Chex unknown · no early close fee | $25 checked Jul 27 | $800 | 60d | $0 | Dec 31 | TX | Offer ↗ |
| 142 | Penn Community Bank Easy No direct deposit and nothing to hold Chex unknown · no early close fee No direct deposit | $500 checked Jul 27 | None | 60d | See terms | Dec 5 | PA | Offer ↗ |
| 143 | Clearview Federal Credit Union Hard Membership depends on your employer, county or school Chex unknown · no early close fee No direct deposit | $412 checked Jul 27 | None | 60d | $5 | Dec 31 | PA | Offer ↗ |
| 144 | Penn Community Bank Easy No direct deposit and nothing to hold Chex low · soft pull · no early close fee No direct deposit | $400 checked Aug 8 | None | 60d | $0 | Dec 5 | PA | Offer ↗ |
| 145 | 4Front Credit Union Hard Membership depends on your employer, county or school Chex low · soft pull · no early close fee No direct deposit | $400 checked Sep 4 | None | 91d | $0 | No end date | MI | Offer ↗ |
| 146 | First Commonwealth Bank Medium Debit card transactions on top of the deposit Chex unknown · no early close fee No direct deposit | $400 checked Jul 29 | None | 60d | $5 | Feb 16 | PA, OH, +3 more | Offer ↗ |
| 147 | OneAZ Credit Union Hard Membership depends on your employer, county or school Chex low · soft pull · no early close fee No direct deposit | $375 checked Jul 29 | None | 60d | $0 | Oct 31 | AZ | Offer ↗ |
| 148 | Numerica Credit Union Hard Membership depends on your employer, county or school Chex low · soft pull · no early close fee No direct deposit | $300 checked Jul 27 | None | 90d | $0 | No end date | ID, WA | Offer ↗ |
| 149 | TruNorth Bank Hard Your money is tied up about 365 days Chex low · soft pull · no early close fee No direct deposit | $300 checked Aug 8 | $1,000 | 90d | $0 | No end date | CT, MA, +2 more | Offer ↗ |
| 150 | Bank of Oklahoma Medium Debit card transactions on top of the deposit Chex unknown · no early close fee No direct deposit | $300 checked Jul 27 | None | 90d | See terms | Dec 31 | OK | Offer ↗ |
| 151 | Dupaco Community Credit Union Hard Membership depends on your employer, county or school Chex unknown · no early close fee No direct deposit | $300 checked Jul 27 | None | 90d | See terms | No end date | IA, IL, WI | Offer ↗ |
| 152 | bankESB Easy No direct deposit and nothing to hold Chex unknown · no early close fee No direct deposit | $300 checked Jul 27 | None | 90d | See terms | No end date | MA | Offer ↗ |
| 153 | Walden Savings Bank Easy No direct deposit and nothing to hold Chex unknown · no early close fee No direct deposit | $300 checked Jul 27 | None | 90d | See terms | Dec 31 | NY | Offer ↗ |
| 154 | C&N Bank Easy No direct deposit and nothing to hold Chex unknown · no early close fee No direct deposit | $300 checked Jul 27 | None | See terms | See terms | Dec 31 | PA, NY | Offer ↗ |
| 155 | CEFCU Hard Membership depends on your employer, county or school Chex unknown · no early close fee No direct deposit | $275 checked Aug 5 | None | See terms | See terms | Dec 31 | CA | Offer ↗ |
| 156 | Vantage Credit Union Hard Membership depends on your employer, county or school Chex low · soft pull · no early close fee No direct deposit | $250 checked Sep 4 | None | See terms | $0 | Dec 31 | MO, IL | Offer ↗ |
| 157 | Waukesha State Bank Easy No direct deposit and nothing to hold Chex unknown · no early close fee No direct deposit | $250 checked Jul 27 | None | See terms | $0 | Dec 31 | WI | Offer ↗ |
| 158 | Advia Credit Union Hard Membership depends on your employer, county or school Chex medium · $250 early close No direct deposit | $250 checked Oct 5 | None | 30d | $0 | No end date | MI, WI, IL | Offer ↗ |
| 159 | CEFCU Hard Membership depends on your employer, county or school Chex unknown · no early close fee No direct deposit | $225 checked Aug 9 | None | See terms | See terms | Dec 31 | IL | Offer ↗ |
| 160 | Safe 1 Credit Union Hard Membership depends on your employer, county or school Chex low · soft pull · no early close fee No direct deposit | $200 checked Jul 27 | $500 | 60d | $0 | No end date | CA | Offer ↗ |
| 161 | Ent Credit Union Hard Membership depends on your employer, county or school Chex unknown · no early close fee No direct deposit | $200 checked Jul 27 | None | 30d | $0 | Dec 31 | CO | Offer ↗ |
| 162 | WEOKIE Federal Credit Union Hard Membership depends on your employer, county or school Chex unknown · no early close fee No direct deposit | $200 checked Jul 27 | None | 45d | $6.95 | Dec 31 | OK | Offer ↗ |
| 163 | Summit Credit Union Medium Debit card transactions on top of the deposit Chex unknown · no early close fee No direct deposit | $200 checked Jul 27 | None | See terms | $0 | No end date | WI | Offer ↗ |
| 164 | Community First Credit Union of Florida Hard Membership depends on your employer, county or school Chex unknown · no early close fee No direct deposit | $200 checked Aug 3 | None | 90d | $0 | No end date | FL | Offer ↗ |
| 165 | Credit Union ONE Hard Membership depends on your employer, county or school Chex unknown · no early close fee No direct deposit | $200 checked Jul 27 | None | See terms | See terms | No end date | MI | Offer ↗ |
| 166 | PECU Hard Membership depends on your employer, county or school Chex unknown · no early close fee No direct deposit | $200 checked Jul 27 | None | 60d | $0 | No end date | TX | Offer ↗ |
| 167 | Westmark Credit Union Hard Membership depends on your employer, county or school Chex unknown · no early close fee No direct deposit | $150 checked Sep 4 | None | See terms | $0 | No end date | ID | Offer ↗ |
| 168 | Seattle Credit Union Hard Membership depends on your employer, county or school Chex medium · soft pull · no early close fee No direct deposit | $150 checked Jul 25 | $500 | 90d | $0 | No end date | WA | Offer ↗ |
| 169 | FNB Coweta Medium $3,000 of direct deposit Chex medium · soft pull · no early close fee No direct deposit | $150 checked via a secondary source | $3,000 | 90d | $0 | No end date | OK | Offer ↗ |
| 170 | University of Hawaii Federal Credit Union Hard Membership depends on your employer, county or school Chex unknown · no early close fee No direct deposit | $100 checked Sep 4 | None | 60d | See terms | Dec 31 | HI | Offer ↗ |
| 171 | Michigan First Credit Union Hard Membership depends on your employer, county or school Chex unknown · no early close fee No direct deposit | $100 checked Jul 27 | None | 60d | See terms | No end date | MI | Offer ↗ |
| 172 | Navigant Credit Union Hard Membership depends on your employer, county or school Chex unknown · no early close fee No direct deposit | $100 checked Jul 27 | None | See terms | See terms | Dec 31 | RI | Offer ↗ |
| 173 | AmeriCU Credit Union Hard Membership depends on your employer, county or school Chex unknown · no early close fee No direct deposit | $100 checked Jul 27 | None | 90d | $0 | No end date | NY | Offer ↗ |
| 174 | Verity Credit Union Medium Debit card transactions on top of the deposit Chex unknown · no early close fee No direct deposit | $100 checked Jul 27 | None | 60d | See terms | No end date | WA | Offer ↗ |
| 175 | Community Choice Credit Union Hard Membership depends on your employer, county or school Chex unknown · no early close fee No direct deposit | $100 checked Sep 4 | None | See terms | See terms | No end date | MI | Offer ↗ |
| 176 | Hawaii State Federal Credit Union Medium Join the credit union first, usually a small donation Chex unknown · no early close fee No direct deposit | $50 checked Sep 4 | None | 60d | $0 | Dec 31 | HI | Offer ↗ |
Swipe the table sideways for fees, expiry and screening details.
How checking bonuses actually work
The pattern is the same at almost every bank
Almost every checking bonus follows the same template: open the account, set up a qualifying direct deposit, hit the deposit threshold within X days, and the bonus posts within 30–90 days.The variables are the bonus amount, the DD minimum (usually $500–$3,000), and the deposit window (usually 60–90 days).
The tricky part is direct-deposit routing. Most W-2 employees only have one paycheck — you can't physically send it to four different banks at once. The real game is splitting your paycheck (via your employer's portal) across multiple banks running bonuses simultaneously, then redirecting once each one clears.
Stacks OS sequences which bonuses run in which DD slot week by week, so you don't accidentally lose a $400 bonus by forgetting to swap your routing.
Stop tracking bonuses in a spreadsheet
Stacks OS builds a personalized sequence based on your paycheck, tracks every bonus you've done, and tells you exactly what to do next. 286 bonuses, one dashboard.
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