Checking & savings account sign-up bonuses

Banks and credit unions pay a one-time cash bonus to new customers who open a checking or savings account and meet requirements such as direct deposits, a minimum balance or debit-card transactions within a set window. The bonus is credited to the account after the requirements are met and any holding period passes.

What you need

  • US resident with SSN/ITIN
  • Direct deposit of $500-$10,000 for many offers
  • Minimum balance or debit transactions for some offers
  • Keep account open (often 90-180 days) to avoid early-closure fees or bonus clawback
  • Usually not available if you had the same bank account recently

Things to know

  • ChexSystems inquiry
  • Taxable income
  • Accounts may be limited

What members report

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Sources