$Checking Bonuses

Bonuses expiring soon

Offers whose own page names an end date on or before February 13, 2027. That is about 90 days from the November 15, 2026 verification pass. Offers with no printed end date are not listed here.

Citizens

Personal savings

Up to $1,800

A single $15,000 deposit into new Citizens savings can start a monthly bonus of $50, or $150 if you keep $40,000. The year-one cap is $1,800.

savingsNo direct depositAvailability not stated

Deposit: One single new-money deposit of at least $15,000 within 10 business days. Keep an end-of-day balance of $40,000 or more to earn $150 that month, or $15,000 to $39,999.99 to earn $50. Up to 12 months.
Direct deposit: The savings bonus does not require direct deposit. The checking account opened the same day has its own rules.
Keep open: The savings account must stay open through the payment date.
Bonus posts: Last day of the month after the qualifying month.
Expires: Open by November 30, 2026.
Monthly fee: Quest Savings: $0 with Quest Checking. One Deposit Savings: $4.99. One Deposit Savings: one deposit each statement, a $200 minimum daily balance, age under 25 or 65 and older, or the first four fees waived automatically.

Effective value

$1,800

Uses the $0 Quest Savings path and the $40,000 tier for all 12 months. The $15,000 tier pays $50 a month, $600 total. A fee on One Deposit Savings is avoidable with one deposit a month and is not subtracted.

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M&T Bank

Business Checking

Up to $1,500

M&T pays up to $1,500 on a new business checking account based on the average balance in month three. No direct deposit. Personal accounts are a different product.

checkingBusinessNo direct depositAvailability not stated

Deposit: Average ledger balance in the third full calendar month: $5,000 to $14,999.99 pays $300, $15,000 to $29,999.99 pays $500, $30,000 to $99,999.99 pays $750, and $100,000 or more pays $1,500.
Direct deposit: Direct deposit is not required. The bonus follows the average ledger balance.
Keep open: Six months. Closing sooner causes the bonus to be deducted, and a closure fee also applies within 180 days.
Bonus posts: By the end of the fourth month after opening. An October 2026 opening is measured on the January 2027 balance and paid by the end of February 2027.
Expires: Open by November 30, 2026.
Monthly fee: Not stated on the offer page. Not stated on the offer page.

Effective value

$1,500

This is the $100,000-balance tier. Lower balances pay $300, $500, or $750. The monthly fee is not stated, so it is not subtracted. This is a business account, not a personal checking account.

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Citizens

Quest Checking

Up to $1,200

Quest Checking can pay up to $100 a month, $1,200 in a year, equal to qualifying fuel purchases, if you also direct deposit $1,000 that month.

checkingDirect depositAvailability not stated

Deposit: Open Quest Checking and an eligible savings account the same day. Opening amount can be any amount.
Direct deposit: $1,000 or more in direct deposits each month you want the checking bonus.
Keep open: Stay open through each payout date. No dollar early-closure fee is stated.
Bonus posts: Last day of the following month.
Expires: Open by November 30, 2026.
Monthly fee: $25 on Quest Checking. $5,000 in total deposits to primary checking each statement period, or $25,000 in monthly combined deposits and investments.

Effective value

$900

The bonus's $1,000 monthly direct deposit does not meet the $5,000 deposit waiver. Over 12 months that is $300 in fees if you never waive them. $1,200 minus $300 is $900. Waive the $25 and the fuel rebate is worth up to $1,200. It is still capped by what you spend on qualifying fuel.

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BMO

Smart Advantage, Smart Money, or Relationship Checking

Up to $600

BMO pays $100 a month, up to $600, when a new checking account in an eligible state receives $1,000 of qualifying direct deposits that month.

checkingDirect deposit14 states

Deposit: $25 minimum opening deposit.
Direct deposit: $1,000 or more in qualifying direct deposits in a calendar month, for up to 6 months, starting the month after you open. Each qualifying month pays $100.
Keep open: The account must be open, in good standing, above a zero balance, and still one of the three eligible checking types when each $100 is paid. A single early-closure penalty is not stated.
Bonus posts: About 10 days after the beginning of the month that follows a qualifying month.
Expires: Open between September 9, 2026 and December 15, 2026.
Monthly fee: Smart Advantage $0. Smart Money $5 if you are 25 or older, $0 if you are under 25. Relationship Checking $25 unless waived. Use Smart Advantage if you want the $0 fee. Relationship Checking's waiver is described as relationship packages on BMO's product disclosure, not fully priced on this offer page.

Effective value

$600

Assumes Smart Advantage Checking, which has a $0 monthly maintenance fee, and that you qualify in all 6 months ($100 × 6). Each missed month simply pays $0 for that month.

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Citizens

One Deposit Checking

Up to $600

Citizens will match qualifying debit-card fuel purchases, up to $50 a month and $600 in a year, on a new One Deposit Checking account that also gets $1,000 in monthly direct deposits.

checkingDirect depositAvailability not stated

Deposit: Opening balance can be any amount. You must also open an eligible savings account the same day.
Direct deposit: $1,000 or more in direct deposits each calendar month you want a checking bonus, for up to 12 months.
Keep open: Accounts must stay open and in good standing through each payout. A fixed early-closure fee is not stated.
Bonus posts: On the last day of the month after the month you qualify. Open in November 2026 and a December qualification pays by January 31, 2027.
Expires: Open both accounts the same day by November 30, 2026.
Monthly fee: One Deposit Checking is $0 or $9.99. Waive the $9.99 with one deposit of any amount during the statement period.

Effective value

$600

The monthly fee is easy to waive with any deposit, so it is not subtracted. The $600 is not automatic cash: each month Citizens pays you back qualifying fuel spend, capped at $50. If you do not buy fuel, that month pays $0.

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Huntington

Platinum Perks Checking

$600

Bring $25,000 of new money to Huntington Platinum Perks Checking, keep it open 90 days, and the bank pays $600. No direct deposit required.

checkingNo direct deposit21 states

Deposit: Deposit $25,000 or more in new money within 90 days. New money is not already on deposit at Huntington, except maturing personal CDs.
Direct deposit: Direct deposit is not required. This tier is a new-money deposit.
Keep open: At least 90 days.
Bonus posts: Within 14 days after you meet the requirements.
Expires: Apply by January 15, 2027.
Monthly fee: $25, or $0 with a $25,000 total relationship balance. Keep a total relationship balance of at least $25,000 in eligible deposits and certain investments. Otherwise $25 a month.

Effective value

$525

Minimum-path estimate: $600 minus three $25 fees, because the bonus requires the $25,000 deposit but does not say you must leave it there. Leave the $25,000 in the relationship and the fee waiver applies, so the bonus is worth $600.

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KeyBank

Key Select Checking

$500

Key Select Checking pays $500 after $5,000 in eligible direct deposits within 90 days. The $25 fee is waived for the first 3 months.

checkingDirect depositAvailability not stated

Deposit: $50 minimum opening deposit.
Direct deposit: $5,000 or more in eligible direct deposits within 90 days, plus a $50 opening deposit.
Keep open: The account must not be closed when the $500 is paid.
Bonus posts: Within 60 days of meeting the requirements.
Expires: Open by December 11, 2026.
Monthly fee: $25, waived for the first 3 months. After 3 months, avoid the $25 fee with a $15,000 combined balance in eligible Key deposit and Key Investment Services accounts, or with $3,000 of eligible direct deposits in the statement cycle.

Effective value

$450

The first 3 months are waived. If you finish the direct deposits on day 90 and Key takes the full 60 days to pay, two later months can cost $25 each. $500 minus $50 is $450, unless you are already meeting the $3,000 or $15,000 waiver.

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Santander

Simply Right, Essential, Select, or Private Client Checking

$500

Keep a $5,000 average daily balance for 90 days, add one qualifying direct deposit, and Santander pays $500.

checkingDirect deposit9 states

Deposit: Maintain a $5,000 average daily balance for the first 90 days.
Direct deposit: At least one qualifying direct deposit within 90 days, plus a $5,000 average daily balance.
Keep open: At least 90 days, and open at payout.
Bonus posts: Within 30 days after the 90-day period.
Expires: Open by December 18, 2026. See the $300 card for the footnote conflict on activity deadlines.
Monthly fee: Simply Right is $10 or $0. One posted transaction in the calendar month waives Simply Right's $10 fee.

Effective value

$500

No monthly fee if you use Simply Right and post one transaction a month. The $500 is not reduced.

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Truist

Truist One or Marquee Checking

$500

Truist pays $500 on new One or Marquee Checking after $2,000 in direct deposits and 20 debit purchases within 120 days.

checkingDirect deposit17 states

Deposit: Truist One opens with $50. Marquee opens with $100. The offer works on either.
Direct deposit: At least two qualifying ACH direct deposits, each greater than $5, totaling $2,000 or more within 120 days.
Keep open: Not stated as a fixed number of days. The bonus is forfeited if the account is at $0 or negative, restricted, or closed when Truist tries to pay it.
Bonus posts: Within 10 business days after you meet the requirements.
Expires: Open from July 14, 2026 through February 2, 2027.
Monthly fee: Truist One is $12 or $0. Marquee is $35 or $0. The $500 is easier to keep on Truist One. Truist One: $500 or more in qualifying direct deposits per statement cycle, a $500 combined ledger balance, a related Truist credit card, mortgage, or consumer loan, a linked small-business checking account, student status, or a primary client under 25 or 62 and older. Marquee: $250,000 combined balance or a Truist Wealth relationship.

Effective value

$500

On Truist One, spreading the required $2,000 of direct deposits so each statement cycle gets $500 meets a published fee waiver. The $500 bonus is then not reduced by the $12 fee. Marquee's $35 fee is much harder to waive and is not the path used for this number.

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Huntington

Perks Checking

$400

Huntington pays $400 on new Perks Checking after $500 in qualifying direct deposits and 90 days with the account open.

checkingDirect deposit21 states

Deposit: Opening deposit: not stated on the offer page.
Direct deposit: Qualifying direct deposits totaling $500 or more within 90 days of opening.
Keep open: At least 90 days. The account must still be open to receive the bonus.
Bonus posts: Within 14 days after you meet the requirements.
Expires: Apply by January 15, 2027.
Monthly fee: $10, or $0. $1,000 in total monthly deposits, or a $5,000 total relationship balance. Otherwise $10 a month.

Effective value

$370

Minimum-path estimate: $400 minus three $10 fees. The bonus needs only $500 of direct deposits in 90 days, which is short of the $1,000 monthly-deposit waiver. Deposit $1,000 in a month and that month's fee is $0.

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SoFi

Checking and Savings

$400

The top SoFi checking tier: $5,000 of eligible direct deposits in the 25 days after your first one pays $400.

checkingDirect depositAvailability not stated

Deposit: No minimum balance. No monthly maintenance fee.
Direct deposit: $5,000 or more in eligible direct deposits during the 25 days after your first $1 deposit.
Keep open: Not stated as a fixed close-by date. Keep checking open through the payout.
Bonus posts: Within 7 business days of completing the requirements.
Expires: First eligible direct deposit by December 31, 2026. Promotion window is May 15, 2026 through that date.
Monthly fee: $0 account, service, or maintenance fee. Nothing to waive for the monthly fee. Wire and instant-transfer fees can still apply.

Effective value

$400

No monthly maintenance fee is charged, so the $400 is not reduced by one.

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Eastern Bank

Personal checking

$350

Eastern Bank pays $350 on a new personal checking account in MA, NH, ME, or RI after $3,000 in qualifying direct deposits within 90 days.

checkingDirect depositMaine, Massachusetts, New Hampshire, Rhode Island

Deposit: Minimum opening deposit is $25 for Eastern Free Checking, $50 for eZ Checking, or $500 for Premier Checking.
Direct deposit: Two or more recurring electronic payroll, pension, or government-benefit direct deposits totaling at least $3,000 within 90 days.
Keep open: Not stated as a day count beyond staying open with a balance above zero until payout, which Eastern says is by April 19, 2027.
Bonus posts: By April 19, 2027.
Expires: Open by November 20, 2026.
Monthly fee: Not stated on the offer page. Not stated on the offer page.

Effective value

$350

The monthly fee is not stated on the offer page, so it is not subtracted. Check the account you actually open before counting on the full $350.

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Wells Fargo

Everyday Checking

$325

New Wells Fargo checking customers can earn $325 on Everyday Checking after $1,000 in qualifying electronic deposits within 90 days.

checkingDirect depositAvailability not stated

Deposit: $25 minimum opening deposit. In a branch, get the bonus code by email first.
Direct deposit: $1,000 or more in qualifying electronic deposits within 90 days of account opening.
Keep open: Not stated as a fixed number of days. The account must be open when the bonus is paid.
Bonus posts: Within 30 calendar days of meeting the offer requirements.
Expires: Open with the bonus code by January 13, 2027.
Monthly fee: $15 monthly service fee on Everyday Checking. Avoid it each fee period with a $1,500 minimum daily balance, $5,000 or more in qualifying deposit and investment balances, $500 or more in qualifying electronic deposits, if the primary owner is 17 to 24, or with a qualifying military direct deposit.

Effective value

$280

Minimum-path estimate: $325 minus three $15 fees ($45). One $1,000 deposit can cover the bonus without repeating the $500 electronic-deposit waiver every fee period. Keep $500 in qualifying electronic deposits each fee period and the bonus is worth the full $325.

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KeyBank

Key Smart Checking

$300

Key Smart Checking pays $300 after a $10 opening deposit and $2,000 in eligible direct deposits within 90 days.

checkingDirect depositAvailability not stated

Deposit: $10 minimum opening deposit.
Direct deposit: $2,000 or more in eligible ACH direct deposits within 90 days, plus the $10 opening deposit.
Keep open: Not stated. The account must not be closed when Key pays the bonus.
Bonus posts: Within 60 days of meeting the requirements.
Expires: Open by 11:59 p.m. EST on December 11, 2026.
Monthly fee: $0 monthly maintenance fee. Key describes Smart Checking as having no monthly maintenance fee.

Effective value

$300

No monthly maintenance fee is published, so nothing is subtracted from the $300.

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Santander

Simply Right, Essential, Select, or Private Client Checking

$300

Santander pays $300 if you keep a $2,000 average daily balance for 90 days and receive at least one qualifying direct deposit. Branch opening with a promo code.

checkingDirect deposit9 states

Deposit: Maintain a $2,000 average daily balance for 90 days. Applicable minimum opening deposits apply; the dollar amount is not stated on the offer page.
Direct deposit: At least one qualifying direct deposit within the first 90 days, plus a $2,000 average daily balance over those 90 days.
Keep open: At least 90 days, and the account must still be an eligible type and in good standing when the bonus is paid.
Bonus posts: Within 30 days after the 90-day period.
Expires: Open in a branch by December 18, 2026. The footnote also says qualifying activities must be completed by December 18, 2026, and that the account must stay open at least 90 days. Read both before you rely on a late opening.
Monthly fee: Simply Right Checking is $10 or $0. Select is $25 or $0. Simply Right: one posted deposit, withdrawal, transfer, or payment during the calendar month, or any owner under 26. Select: $25,000 combined balances.

Effective value

$300

Assumes Simply Right Checking and one transaction a month, which waives the $10 fee. The $300 is not reduced.

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TD Bank

Beyond Checking

$300

New TD Beyond Checking customers earn $300 after $2,500 in qualifying direct deposits. Offer ends November 30, 2026.

checkingDirect depositAvailability not stated

Deposit: Opening deposit amount: not stated on the offer page.
Direct deposit: $2,500 in qualifying direct deposits. Each qualifying deposit must be at least $250. The offer page does not state a day limit for the checking deposits.
Keep open: 6 months. TD may take the bonus back if the account is closed within 6 months after opening.
Bonus posts: On or before 180 days from account opening.
Expires: Offer valid through November 30, 2026, online only.
Monthly fee: $25 monthly maintenance fee. $5,000 or more in direct deposits in a statement cycle, or a $2,500 minimum daily balance, or a $25,000 minimum daily combined balance of linked deposits, home equity, and mortgages in good standing.

Effective value

$150

Minimum-path estimate: $300 minus six $25 fees ($150) across the 6-month clawback window. The $2,500 bonus deposit is not the same as $5,000 of direct deposits every cycle. Keep a $2,500 daily balance, one of the published waivers, and the fee is $0, so the bonus is worth $300.

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Eastern Bank

Statement Savings

$250

Eastern Statement Savings pays $250 if you deposit $15,000 within 30 days and keep that average for the following 90 days. No direct deposit.

savingsNo direct depositMaine, Massachusetts, New Hampshire, Rhode Island

Deposit: Deposit $15,000 within 30 days, then keep a $15,000 average daily balance for 90 days beginning on day 31.
Direct deposit: Direct deposit is not required for the savings bonus.
Keep open: Eastern determines qualification 120 days after opening. The account must still be open with a balance above zero at payout.
Bonus posts: By April 19, 2027.
Expires: Open by November 20, 2026.
Monthly fee: Not stated on the offer page. Not stated on the offer page.

Effective value

$250

Monthly fee is not stated, so it is not subtracted. You do have to leave $15,000 on deposit through the 90-day average window.

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Axos

Axos Checking

$200

With a friend's Axos referral link during the holiday window, new Axos Checking customers earn $200 after $1,500 in direct deposits within 90 days.

checkingDirect depositAvailability not statedReferral

Deposit: Fund the account within 60 days of opening or Axos may close it.
Direct deposit: $1,500 in paycheck or government-benefit direct deposits within 90 days of opening.
Keep open: The account must be open and in good standing when Axos pays, within 30 days after you qualify.
Bonus posts: Within 30 days after the product requirements are met.
Expires: Holiday signup through the referral link by December 31, 2026. Applications for the extra $100 run November 9, 2026 through January 15, 2027. After that, the page still describes the standard $100.
Monthly fee: $0 monthly fee on the Axos Checking product page. The checking product page says there is no monthly fee, no overdraft fee, and no minimum balance. That fee language is on the product page, not repeated in the referral footnotes.

Effective value

$200

Uses the holiday total of $200 and the product page's $0 monthly fee. Without a referral link, this offer does not apply. After the holiday window, the published friend bonus on this product is $100.

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TD Bank

Complete Checking

$200

TD Complete Checking pays $200 to new checking customers who make $500 in qualifying direct deposits.

checkingDirect depositAvailability not stated

Deposit: Opening deposit: not stated.
Direct deposit: $500 in qualifying direct deposits of at least $250 each. A day limit is not stated on the offer page.
Keep open: 6 months, or TD may deduct a bonus it already paid.
Bonus posts: On or before 180 days from account opening.
Expires: Through November 30, 2026.
Monthly fee: $15 monthly maintenance fee. $500 or more in direct deposits in a statement cycle, a $500 minimum daily balance, or a $5,000 combined balance across linked personal deposits. Also waived while the primary owner is 17 through 23.

Effective value

$110

Minimum-path estimate: $200 minus six $15 fees ($90). A single $500 deposit may waive only the cycle it posts in. Keep a $500 daily balance and the monthly fee is $0, so the bonus is worth $200.

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TD Bank

Signature Savings

$200

Park $10,000 in a new TD Signature Savings account on the published schedule and TD pays $200. No direct deposit required.

savingsNo direct depositAvailability not stated

Deposit: Deposit at least $10,000 within the first 20 days, then keep at least $10,000 for 90 more days measured from that 20th day.
Direct deposit: Direct deposit is not required.
Keep open: 6 months if you want to keep a bonus that has already posted.
Bonus posts: On or before 180 days from account opening.
Expires: Through November 30, 2026.
Monthly fee: Not stated on the offer page. Not stated on the offer page.

Effective value

$200

The monthly fee is not stated on the offer page, so it is not subtracted. If Signature Savings has a fee, this $200 overstates the net.

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Axos

Axos ONE Checking and Savings

$150

A referred new Axos ONE customer earns $150 in the holiday window after $1,500 of direct deposits within 90 days.

checkingDirect depositAvailability not statedReferral

Deposit: Fund either the checking or the savings account within 60 days of opening.
Direct deposit: $1,500 in direct deposits into the Axos ONE checking account within 90 days.
Keep open: Open and in good standing at payout.
Bonus posts: Within 30 days after you meet the direct-deposit requirement.
Expires: Holiday referral signup by December 31, 2026, with the application window through January 15, 2027.
Monthly fee: Not stated as a dollar fee on the referral page. The referral page describes Axos ONE rate boosts. It does not print a monthly maintenance fee for the bundle. Treat the fee as not stated.

Effective value

$150

Holiday total of $150. A monthly fee is not stated, so it is not subtracted. This is a referral offer.

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Axos

Summit Savings

$150

No direct deposit: a referred Summit Savings customer who holds $5,000 of new money for 60 days earns $150 in the holiday window.

savingsNo direct depositAvailability not statedReferral

Deposit: Keep an average daily balance of at least $5,000 in new funds for any 60 consecutive days inside the first 120 days.
Direct deposit: Direct deposit is not required.
Keep open: The 60-day average has to finish inside the first 120 days, and the account must be open at payout.
Bonus posts: Within 30 days after the balance requirement is met.
Expires: Holiday referral signup by December 31, 2026.
Monthly fee: Not stated on the referral page. Not stated on the referral page.

Effective value

$150

Holiday total. The monthly fee is not stated, so it is not subtracted. You do tie up $5,000.

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Eastern Bank

Checking and Statement Savings together

$150 extra

Open Eastern checking and savings within 3 business days and finish both bonuses. The bank adds $150, for $750 in all.

checkingDirect depositMaine, Massachusetts, New Hampshire, Rhode Island

Deposit: Open both accounts within 3 business days of each other and meet both offers.
Direct deposit: You must complete the checking direct-deposit rule and the savings balance rule. This $150 does not replace those bonuses.
Keep open: Both accounts must be open with a balance above zero at payout.
Bonus posts: By April 19, 2027.
Expires: Open by November 20, 2026.
Monthly fee: Not stated on the offer page. Not stated on the offer page.

Effective value

$150

This is only the extra $150. The $350 and $250 are separate cards. Fees are not stated, so they are not subtracted here.

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SoFi

Checking and Savings

$50

Set up a first SoFi direct deposit by December 31, 2026. $1,000 to $4,999.99 in the next 25 days pays $50.

checkingDirect depositAvailability not stated

Deposit: No minimum balance. SoFi says it does not charge account, service, or maintenance fees.
Direct deposit: $1,000 to $4,999.99 in eligible direct deposits during the 25 days after your first $1 deposit. You earn only one tier.
Keep open: Not stated as a fixed close-by date. The checking account must be open and in good standing at payout.
Bonus posts: Within 7 business days after you complete the requirements.
Expires: Promotion runs May 15, 2026 through December 31, 2026 at 11:59 p.m. ET. The first eligible direct deposit must arrive by that end.
Monthly fee: $0 account, service, or maintenance fee. SoFi says it does not charge those fees. It does charge for outgoing wires, instant transfers, and global remittances.

Effective value

$50

No monthly maintenance fee, so the $50 tier is not reduced by one. If your 25-day total reaches $5,000, you get $400 instead of $50.

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