These offers do not ask for a paycheck deposit. They may still want a balance, debit purchases, a transfer, or a referral. Read the card before you treat one as easy.
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.
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.
Charles Schwab
Brokerage or IRA
Up to $1,000
A referred new Schwab client can earn up to $1,000 after a qualifying net deposit within 45 days. The top tier takes $500,000.
brokerageNo direct depositNationwideReferral
- Deposit
- Qualifying net deposit within 45 days: $25,000–$49,999 pays $100, $50,000–$99,999 pays $300, $100,000–$499,999 pays $500, and $500,000 or more pays $1,000.
- Direct deposit
- Direct deposit is not required.
- Keep open
- At least one year for taxable accounts, or Schwab may charge back the award. The one-year rule is stated for taxable accounts. An IRA holding period is not stated the same way.
- Bonus posts
- About one week after day 45, and Schwab's examples put payment roughly 1–2 weeks after the 45-day mark.
- Expires
- Not stated as a calendar end date. Schwab can change or end the offer without notice.
- Monthly fee
- Not stated on the referral page. Not stated on the referral page.
Effective value
$1,000
This is the $500,000 tier. Smaller deposits pay $100, $300, or $500. A monthly fee is not stated, so it is not subtracted. You need someone else's referral code.
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.
Capital One
360 Checking (DEBIT250)
$250
A no-direct-deposit path to $250: open 360 Checking with code DEBIT250 and make 20 debit purchases of $10 or more within 75 days.
checkingNo direct depositAvailability not stated
- Deposit
- No minimum balance to open or maintain.
- Direct deposit
- Direct deposit is not required for this version of the bonus.
- Keep open
- Not stated as an early-closure rule. Keep the account open and in good standing until the bonus posts, as late as 135 days after opening.
- Bonus posts
- Assessed after 75 days and processed in up to 60 more days. Expect it within 135 days of opening if you qualify.
- Expires
- Not stated. Capital One can change the offer before you accept it.
- Monthly fee
- $0 monthly cycle service charge. No monthly fee to waive.
Effective value
$250
No monthly fee. You do spend at least $200 on debit purchases ($10 × 20). Those purchases are your own spending, not a fee paid to the bank, so they are not subtracted from the $250.
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.
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.
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.
Webull
Brokerage transfer-fee reimbursement
$100
Webull reimburses $100 on your first brokerage transfer of $2,000 or more. It is a fee reimbursement, not a deposit bonus.
brokerageNo direct depositAvailability not stated
- Deposit
- First completed transfer of $2,000 or more into a cash or margin brokerage account.
- Direct deposit
- Direct deposit is not required.
- Keep open
- Not stated.
- Bonus posts
- Not stated on the promotion page.
- Expires
- Not stated.
- Monthly fee
- Not stated on the promotion page. Not stated on the promotion page.
Effective value
$100
Webull states $100. It is a transfer-fee reimbursement. If the fee your old broker charged is less than $100, confirm with Webull whether you still receive the full amount. The page says “Receive $100.” A monthly fee is not stated, so it is not subtracted.
Webull
IRA transfer-fee reimbursement
$75
Webull pays a $75 reimbursement on a first IRA transfer of $5,000 or more. It can sit alongside the $100 brokerage reimbursement.
brokerageNo direct depositAvailability not stated
- Deposit
- First transfer of $5,000 or more into a self-directed Traditional, Roth, or Rollover IRA.
- Direct deposit
- Direct deposit is not required.
- Keep open
- Not stated.
- Bonus posts
- Not stated.
- Expires
- Not stated.
- Monthly fee
- Not stated. Not stated.
Effective value
$75
Stated reimbursement is $75. Same caution as the brokerage reimbursement: it is tied to a transfer fee. No monthly fee is stated.
BMO Savings Builder pays $5 in any month your balance grows by $200, up to $60 in the first year. No direct deposit.
savingsNo direct depositAvailability not stated
- Deposit
- $25 to open. Grow the ledger balance by at least $200 in a month to earn $5. Up to 12 months.
- Direct deposit
- Direct deposit is not required.
- Keep open
- Keep the account open through each reward payment. No early-closure fee is stated.
- Bonus posts
- Within 5 calendar days after the end of a qualifying month.
- Expires
- Not stated as a campaign end date. The rewards run for up to 12 months from opening.
- Monthly fee
- $0 monthly maintenance fee. No monthly fee is listed for Savings Builder on the offer page.
Effective value
$60
Twelve $5 rewards if the balance grows by $200 every month. There is no monthly fee to subtract. You do have to add $200 of new savings each of those months.
Robinhood
Individual taxable brokerage
Typically $5
Robinhood gives new brokerage customers a stock reward. About 99% of people get $5 of stock. A few get $10 or $200.
brokerageNo direct depositNationwide
- Deposit
- No funding minimum is stated. Link a bank account or debit card after you are approved.
- Direct deposit
- Direct deposit is not required.
- Keep open
- 60 days if you want to withdraw the sale proceeds. Selling can happen after 3 trading days.
- Bonus posts
- The stock is credited within about one week after you claim the reward.
- Expires
- Ongoing until Robinhood changes or ends it. No calendar end date is stated.
- Monthly fee
- Not stated on the offer page. Not stated on the offer page.
Effective value
$5
Uses the $5 that Robinhood says about 99% of customers receive. It is stock. Nothing is subtracted for a monthly fee because the page does not state one. Do not plan on the $200.
SoFi
Active Invest self-directed brokerage
Up to $1,000 in stock
SoFi's claw gives new self-directed brokerage customers a random stock award from $5 to $1,000 after $50 settles in the account.
brokerageNo direct depositAvailability not stated
- Deposit
- Fund at least $50 of settled cash within 45 days of using the one-time claw.
- Direct deposit
- Direct deposit is not required.
- Keep open
- Not stated.
- Bonus posts
- Up to 10 business days after the account is opened and funded.
- Expires
- SoFi's promotions summary calls the stock-award offer evergreen. A calendar end date is not stated on the help-center page we used.
- Monthly fee
- Not stated on the promotion page. Not stated on the promotion page.
Effective value
Varies
There is no fixed dollar amount. The help center states a range of $5 to $1,000 in stock. We do not guess the odds, and this prize is left out of the headline total.
Public
Account transfer match
1% match
Public matches 1% of an account transfer, paid monthly over 5 years, and may reimburse up to $100 of transfer fees above $5,000.
brokerageNo direct depositNationwide
- Deposit
- Transfer a brokerage account, IRA, or 401(k) rollover. Public matches 1% with no cap stated, paid monthly over 60 months. Transfers over $5,000 can also get up to $100 of fees reimbursed.
- Direct deposit
- Direct deposit is not required.
- Keep open
- Not a closure fee. The match is paid over 60 months, and taking money out reduces what is left.
- Bonus posts
- Monthly for 60 months, beginning about one month after the transfer settles.
- Expires
- Not stated. Public can end or change the offer.
- Monthly fee
- Not stated on the FAQ page. Not stated on the FAQ page.
Effective value
Varies
1% of whatever you transfer, paid slowly over 5 years. There is no single dollar amount to put in the headline total, so it is left out. A $10,000 transfer is $100 of match, $100 a month at a time across 60 payments only if you do not withdraw.