Simply by creating a new bank account, you can make $100. However, sifting through the best deals may be difficult. Right now, there’s no shortage of intriguing offers for banking customers. Checking account Bonus offers might make you want to open a certain account, but if the account itself isn’t very good, the bonus might not be worth it. Each month, our staff looks into more than 165 accounts to find the best checking account Bonus based on offer criteria, account fees, and minimum balance requirements. This way, you can compare your options in just a few minutes.
We’d be delighted to assist you. Every month, the Money Crashers team sifts through hundreds of bank account offers to bring you the best checking account Bonus — some worth $1,000 or more. You don’t want to miss out, do you? Read on for our list of the finest bank deals for this month, as well as the eligibility restrictions for each.
Top 12 Best Checking Account Bonus in 2022
The majority of them are available to new clients in all 50 states, but there is a handful that has geographical constraints to consider.
We used the following criteria to rank the top checking account bonuses:
- Reasonable bonus requirements
- Available in all 50 states.
- Locations of physical branches and/or online accessibility
- The FDIC or NCUA insures large ATM networks up to $250,000.
These are the most popular bank promos and checking account Bonuses right now. They consist of a combination of high-yield checking account Bonuses and savings accounts. Many are offered by well-known brick-and-mortar and online banks that also provide attractive rates on other deposit accounts, including money market accounts and certificates of deposit (CDs). If you’re looking for a new home loan or personal loan, creating a deposit account with one of these banks may qualify you for special benefits such as cheaper closing costs and interest rates.
1. Citi Priority Account – Up to $1,500 Cash Bonus
For a limited time, you can get a checking account bonus of up to $1,500 if you open a Citi Priority Account and do all the things listed. Here’s how to do it:
- During the promotion time, open a new Citi Priority checking account that qualifies (by July 17, 2022).
- Make a qualifying deposit of new Citi money between the checking account and the savings account within 20 days of opening the account.
- After the 21st day, keep a minimum amount in both accounts equal to or greater than your initial deposit for 60 consecutive calendar days.
The following are the bonus tiers:
- Between $15,000 and $49,999, a minimum deposit and balance of $300
- The minimum deposit amount between $50,000 and $199,999 is $700.
- $1,500: A minimum deposit of $200,000 and a minimum balance of $200,000 are required.
Within 90 calendar days of completing all qualifying actions, you’ll get the bonus in your account. To be eligible for this promotion, you must apply using the link below. From now on, all linked Citi accounts that qualify, such as deposit, retirement, and investment accounts, must have a balance of at least $50,000.
2. Chase Total Checking® – $200 Bonus
Open a new Chase Total Checking® account and set up direct deposit within 90 days of discount enrollment. Within 15 business days, you’ll get a $200 bonus. A $12 monthly fee is charged, but it is waived if you fulfill at least one of the following conditions throughout each monthly statement period:
- Make direct deposits into the account totaling $500 or more.
- maintain a minimum daily balance of $1,500.
- Keep a linked deposit or investment with a balance of at least $5,000 every day.
- Pay for qualified checking-related services or fees totaling at least $25.
3. BMO Harris PremierTM Account — $500 Bonus
Open a new BMO Harris PremierTM Account by September 30, 2022, and you’ll get a $500 cash bonus if you receive at least $7,500 in qualifying direct deposits in the first 90 days. That’s all there is to it. Enjoy excellent advantages in the future, such as:
- Up to $25 in ATM fee rebates every monthly statement period.
- Transactions at non-BMO Harris ATMs are unlimited.
- Interest is paid on your checking account balance.
- The benefits from the relationship package might be rather considerable.
- This new checking account offer is only available to one customer at a time.
- Customers who have a personal checking account with BMO Harris now or who have closed a personal checking account with BMO Harris in the last year are not eligible.
4. BMO Harris Smart AdvantageTM Account — $300 Bonus
Another easy-to-get BMO Harris promotion for new bank accounts is almost the same as the Premier bonus. The following is how it works:
- Open a new BMO Harris Smart AdvantageTM Account by September 30, 2022.
- When you receive at least $4,000 in qualified direct deposits in the first 90 days of your account’s existence, you’ll get a $300 cash bonus.
- This offer is limited to one per customer, and it’s not available to people who already have a personal checking account with BMO Harris or have had one in the past year, as the Premier campaign.
5. Discover Online Savings Account – $150 or $200 Bonus
Between March 16, 2022, and June 15, 2022, apply for your first Discover Online Savings Account to be eligible for a $150 or $200 account opening bonus. The following is how it works:
- Use the offer code MC222 to open your first Discover Online Savings Account online, by phone, or through the Discover app by the indicated offer end date.
- Within 30 days of the account’s inception date, make qualifying cumulative deposits.
- Within 30 days after account opening, the deposit must be deposited into the account.
- To qualify for the $150 bonus, the total cumulative fundraising amount must be at least $15,000, or at least $25,000 to qualify for the $200 bonus.
6. Bank of America Advantage Banking – $100 Bonus Offer
Bank of America Advantage Banking is a high-tech checking account that gives new customers a nice welcome bonus. Advantage Banking is a checking account from Bank of America that comes in three flavors: Advantage SafeBalance, Advantage Plus, and Advantage Relationship. Choose the one that works best for you right now, and if your circumstances change, move to a setting that better suits the new you. That’s all there is to it.
Accessibility at Any Time:
- Bank of America has tens of thousands of banking centers and ATMs around the country.
- Total Security Protection ® and fraud monitoring are available 24 hours a day, 7 days a week.
- Sign-in security, card locking, and more.
Pay in a Convenient Way:
- Use a debit card or a digital wallet.
- Tools for Effective Money Management:
- Create your own unique notifications and savings targets.
- Get cash back and rewards that are tailored to your needs.
- Transactions that are not authorized
- According to Bank of America’s $0 Liability Guarantee, you’re not responsible for fraudulent transactions made with your consumer debit card if you report them quickly.
- Controls for Debit Cards: Temporarily lock a lost card to help prevent illegal usage.
- Custom Alerts: Know what’s going on with your account right now and respond quickly.
- You can set up personalized email or text alerts for things like a low balance, a pending deposit, a payment coming in, and more.
7. TD Bank Beyond Checking℠ — $300 Cash Bonus
If you open a new TD Bank Beyond checking account Bonus and get direct deposits totaling more than $2,500 within 60 days, you’ll earn a $300 cash bonus. You must live in the United States and fill out an online application to be eligible for this offer. Monthly direct deposits of $5,000 or more, a minimum daily amount of $2,500, or a total value of $25,000 across your qualifying TD accounts waive the $25 monthly maintenance fee on the Beyond checking account.
8. TD Bank Convenience Checking℠ – $150 Cash Bonus
You can apply online for a new TD Bank Convenience CheckingSM account, which has a much lower minimum balance requirement than the TD Bank Beyond Checking offer above. If you get direct deposits totaling more than $500 within 60 days, you’ll earn a $150 cash bonus. You must live in the United States and fill out an online application to be eligible for this offer.
A $15 monthly maintenance fee is usually charged on the convenience checking account, but it is eliminated if you maintain a low daily balance of at least $100. Students and young people between the ages of 17 and 23 are eligible for extra benefits, including no monthly maintenance cost and no minimum balance requirements.
9. Huntington Bank Huntington 25 Checking® — $300 Bonus
Huntington Bank is number nine on the list. Huntington 25 Checking® comes with a $300 bonus. For a limited time, you can open a new account at Huntington Bank and get a $300 bonus if you do certain things. This is one of the biggest new account opening bonuses you can get.
The following is how it works:
- Between June 1, 2022, and October 7, 2022, open a Huntington Bank Huntington 25 Checking® account.
- Make new money deposits totaling at least $25,000 within 60 days of account opening.
- Maintain your account for at least 90 days
10. Albert — $150 Cash Bonus
If you open a new Albert account and do things that qualify, you can get a $150 bonus for a limited time. After you’ve created your account, you’ll need to perform the following:
- For the first 90 days, you will receive a direct transfer of at least $200 every 30 days.
- For the first 90 days, spend at least $100 on your Albert debit card every 30 days.
- During the promotional period, keep your account open.
- That’s all there is to it; once you’ve accomplished these requirements, keep an eye out for your $150 bonus.
- Moving forward, your Albert account will have no hidden costs and no monthly maintenance fee.
11. Fifth Third Momentum® Checking — Earn a $375 Cash Bonus
Earn a $375 cash bonus with Fifth Third Momentum Checking. For a limited time, if you open a new qualified Fifth Third checking account and do other things that qualify, you can get a $375 cash bonus.
The following is how it works:
- Between June 1, 2022, and September 30, 2022, open a new qualifying account.
- When you click “Start an Account” on the landing page, your offer will be automatically activated. You can also enter your email address to get a $350 promotion code that you can bring to any Fifth Third branch to open your account in person.
- Make eligible direct deposits totaling $500 or more within 90 days of account opening.
- There are no hidden costs.
- There is no requirement for a minimum balance.
- To prevent overdraft costs, take some extra time.
- With free Early Pay, you may get qualified payroll direct payments up to two days earlier.
12. Aspiration Plus – $200 Bonus
To get a $200 account starting bonus, establish a new Aspiration Spend & Save account with Aspiration Plus and perform eligible activities. To get the checking account Bonus, you just need to open an account and put at least $10 into it, then use your debit card at least 1,000 times in the first 60 days.
- Within 120 days, you should get your $200 bonus in your account.
- For $7.99 per month or $71.88 yearly, you’ll get all of these Aspiration Plus advantages (and more) in the future:
- In your savings account, you may earn up to 1% interest.
- Planet Protection offers carbon offsets for your petrol purchases.
- Each month, one out-of-network ATM fee is paid (in addition to unrestricted access to Aspiration’s network of more than 55,000 fee-free ATMs).
- 10% cash back at select partner stores, including Warby Parker and TOMS.
- A digital debit card may be used right away.