November 2023: U.S. Bank Account Bonuses Roundup – Up to $3,000!

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The banking scene in the U.S. is fiercely competitive. To lure in new clients, banks frequently offer a variety of sign-up bonuses. This article compiles the best bank account bonuses currently available, and we’ll also share some general know-how on snagging these offers.

Best Bank Account Bonus Roundup

Here are some of the best sign-up bonuses available right now. Depending on your needs, you can quickly see which rewards match your desired account type, bonus requirements, and monthly fees. Unless otherwise noted, all banks listed have FDIC insurance, ensuring your deposits are safe up to $250,000 per account.

Account type

Monthly fee

Requirement

ENOpen Now	Checking, Savings, Business Checking	Zero fee, Easy to waive, Not easy to waive	Deposit, Spend, Direct Deposit, Others
HSBC Premier Checking offers international services for global citizens, no bonus at this moment Easy application for non-US citizens Easy and secure money transfer with Global View and Global Transfers No HSBC Fees 24/7 global customer service with multi-language support including English, Chinese and Spanish Open Now	Checking	Zero fee	Others
Chase Private Client account offers up to $3,000 bonus Open a checking or savings account by 01/24/2024, deposit new funds within 45 days and maintain for 90 days. Deposit $150K, get a $1,000 bonus. Deposit $250K, get a $2,000 bonus. Deposit $500K, get a $3,000 bonus. Monthly fee is $35, but is waived if your balance exceeds $150,000. Open Now	Checking, Savings	Not easy to waive	Deposit
Citigold checking account offers up to $2,000 bonus Open account by January 9, 2024, deposit new funds within 20 days and maintain for 60 days. Deposit $10,000, get a $200 bonus. Deposit $30,000, get a $500 bonus. Deposit $75,000, get a $1,000 bonus. Deposit $200,000, get a $1,500 bonus. Deposit $300,000, get a $2,000 bonus. No monthly fee. You need to have more than $200,000 in total assets at Citi to apply for Citigold. If you don’t have enough assets, you can open a Citi Preferred account, which has the same account opening bonus but fewer benefits. Offer is valid nationwide. Open Now	Checking	Zero fee	Deposit
Citi Priority checking account offers a bonus of up to $2,000 Open an account by Jan. 9, 2024, deposit new funds within 20 days, and maintain for 60 days. Deposit $10,000, get a $200 bonus. Deposit $30,000, get a $500 bonus. Deposit $75,000, get a $1,000 bonus. Deposit $200,000, get a $1,500 bonus. Deposit $300,000, get a $2,000 bonus. Monthly fee is $30, it’s waived if your Citi account balance is more than $30k. Offer is valid nationwide. Open Now	Checking	Zero fee	Deposit
Huntington Bank Business Checking Account Offers Up to $1,000 in Bonuses Open account by January 15, 2024, deposit new funds within 60 days and maintain for 90 days. Deposit $5,000 and get a $100 bonus. No monthly fee. Deposit $10,000 and get $400 bonus. Monthly fee can be waived. Deposit $25,000 and get a $1,000 bonus. Monthly fee can be waived. Available in these states only: CO, IL, IN, KY, MI, MN, OH, PA, SD, WI, WV. Open Now	Business Checking	Zero fee	Deposit
Charles Schwab investment account offers a bonus of up to $1,000 Open a new account, deposit new funds within 45 days, and maintain it for 1 year. Deposit $25K, get a $100 bonus. Deposit $50K, get a $300 bonus. Deposit $100K, get a $500 bonus. Deposit $500K, get a $1,000 bonus. No monthly fee. Offer is valid nationwide. Open Now	Savings	Easy to waive	Deposit
Huntington Bank checking account offers a bonus of up to $600 Available in CO, IL, IN, KY, MI, MN, OH, PA, SD, WI, WV. Open an account by February 7, 2024, deposit $25K within 90 days, and maintain for $90 days, and you will get a $600 bonus. It has $25 monthly fee, but it’s easily waived. Or you can choose another checking account, set up a direct deposit within 90 days, and get a $400 bonus. It has $10 monthly fee, but it’s easily waived. Only U.S. citizens can apply online. If you’re not a U.S. citizen, you need to visit a branch office to get the offer. Open Now	Checking	Zero fee, Easy to waive	Direct Deposit, Deposit
Laurel Road loyalty checking account offers a bonus of up to $540 This offer is available to nurses only. Open an account before Jan. 8, 2024 and earn a $300 bonus when you make $2,500 in direct deposits within 60 days. In the next 12 months, receive a monthly $20 bonus when you make $2,500 in direct deposits monthly. The two offers total up to $540 bonus. If you continue to make direct deposits after12 months, you will receive a monthly bonus of $10. There is no monthly fee. Offer is valid nationwide. Open Now	Checking	Zero fee	Direct Deposit
TD Bank checking account offers a bonus of up to $500 Offer is valid in CT, DC, DE, FL, MA, MD, ME, NC, NH, NJ, NY, PA, RI, SC, VA, VT. Open an account before November 30, 2023, make a $500 direct deposit within 60 days and receive a $200 bonus. Or, make $2,500 Direct Deposit within 60 days, receive a $300 bonus. There is also a $200 bonus for opening additional savings accounts. In total, you can get up to $500 bonus. The monthly fee is $15/$25, but it’s easily waived with $100/$2,500 balance. Open Now	Checking	Easy to waive	Direct Deposit
BMO Harris Business Checking Account offers a bonus of up to $600 Available in AZ, FL, IL, IN, KS, MN, MO, WI. Open an account by December 8, 2023, maintain an average balance of $4,000 for 120 days, make 10 qualifying transactions and receive a $400 bonus. Or, maintain an average balance of $10,000 for 120 days, make 10 transactions, and receive a $600 bonus. There are four business accounts to choose from, and their monthly fees vary from $10 – $25, and all are easily waived. Open Now	Business Checking	Zero fee	Deposit, Spend
First Tech Checking Account Offers Up to $350 Bonus Open an account before Dec. 31, 2023 using promo code NEW2023. Make a Direct Deposit within 60 days of account opening, make $1,000 in direct deposits each month for 3 consecutive months within 120 days, and receive a bonus of $200. Earn 10% cash back on purchases in three categories: groceries, online streaming and food delivery. Cashback can be up to $50 per category, up to $150 total. No monthly fee. However, you need to join their credit union first, which has an $8 membership fee. Offer is valid nationwide Open Now	Checking	Easy to waive	Direct Deposit
Wells Fargo checking account offers a bonus of $325 Open an account before November 13, 2023, make a $1,000 Direct Deposit within 90 days, and you will get a bonus of $325. Monthly fee is $10, it’s waived with a $500 balance. Offer is valid nationwide. No early termination fee, you can close your account at any time. Open Now	Checking	Easy to waive	Direct Deposit
American Express Business Checking Account offers 50,000 MR bonus points worth up to $500! Deposit $5,000 within 30 days of opening your account, maintain it for 60 days, make 5 transactions within 60-day period, and earn 50,000 MR bonus points worth up to $500. No monthly fee. Open Now	Business Checking	Zero fee	Deposit, Spend
AXOS Bank Checking Account Offers $300 Bonus Open an account by December 31, 2023 using promo code SUNNYBONUS. Deposit funds within 30 days of account opening, direct deposit $7,000 per month for the first 7 months, maintain an average daily balance of $15,000, and receive a $300 bonus. No monthly fees. Offer valid nationwide. Open Now	Checking	Zero fee	Direct Deposit
Chase Business Checking Account Offers $300 Bonus Open an account by 1/18/2024, deposit $2,000 in 30 days, maintain it for 60 days, and make 5 transactions in 90 days, and you’ll receive a $300 bonus. Monthly fee is $15; waived if you maintain a balance of $2,000 or spend $2,000. Offer is valid nationwide. Open Now	Business Checking	Zero fee	Deposit, Spend
SoFi Checking and Savings Accounts Offer Up to $250 Bonus Open an account by December 31, 2023 and get a $50 bonus on a direct deposit of $1,000 or more. Or, make a direct deposit of $5,000 or more and get a $250 bonus. No monthly fee. Offer valid nationwide. Open Now	Checking, Savings	Easy to waive	Direct Deposit
AXOS Bank Small Business Checking Account Offers Up To $400 Bonus Open an account with code NEW400 by Dec 31, 2023. Within 5 months upon opening, complete below requirements to get a bonus. Get $300 when you maintain an average balance of $25,000 and completed 10 point-of-sale transactions per month. Have bill pay set up and connected to your Basic Business Checking account. The bill pay transaction minimum is $10. Or, get $400 when you maintain an average balance of $50,000 and completed 10 point-of-sale transactions per month. Have bill pay set up and connected to your Basic Business Checking account. The bill pay transaction minimum is $10. No monthly fee. Offer is valid nationwide. Closing your account within 120 days will result in a $100 penalty. Open Now	Business Checking	Easy to waive	Deposit
Chase Total Checking Checking Account Offers $200 Bonus Open your account by 01/24/2024 and set up a direct deposit within 90 days and you’ll receive a $200 bonus. The monthly fee is $12 and is waived if you have $500 in direct deposit or a balance of $1,500. Offer is valid nationwide. Open Now	Checking	Easy to waive	Direct Deposit
PNC Virtual Wallet Checking Account Offers $200 Bonus Open an account by 01/02/2024 and make a $2,000 direct deposit within 60 days and you will receive a $200 bonus. No monthly fees. Offer valid nationwide. There is a $25 early termination fee if you close account within 180 days. Open Now	Checking	Zero fee	Direct Deposit
Chase Secure Banking Checking Account offers a $100 bonus Open an account before 01/24/2024, and make 10 transactions within 60 days, you will receive a bonus of $100. Monthly fee is $4.95, non-waivable. Offer is valid nationwide. Open Now	Checking	Not easy to waive	Spend
Chase Student Checking Account offers a $100 bonus Only for students aged 17-24. Open an account before 01/24/2024, and complete 10 transactions within 60 days to receive a $100 bonus. No monthly fee. Offer valid nationwide. Open Now	Checking	Zero fee	Spend

Bank Account Bonus Basics

1. Account Types

There are primarily two personal account types in U.S. banks: checking accounts, which are mainly for daily use with few restrictions on transactions but typically no or low interest, and savings accounts, meant for setting aside funds, usually offering higher interest rates but limiting the number of monthly withdrawals.

Beyond these, there are investment accounts and business checking accounts.

2. Account Fees

Many personal accounts either have no monthly fee or it’s easily waived with activities such as making a few transactions, maintaining a specific balance, or setting it up for direct deposits, like your paycheck. Some premium accounts might have higher fees with stricter waiver conditions but come with additional perks.

Also, watch out for termination fees. If you close an account too soon after opening, like within six months or a year, you might be penalized, often by giving back some or all of the bonus you received upon sign-up.

3. How to Get the Bonus

The three most common requirements are:

Making a deposit: For example, depositing a set amount of “new money” within a certain timeframe (e.g., 30/60 days) after account opening, and maintaining it for a specified period (like 60/90 days) could get you a $100-$300 bonus. Some bonuses might go up to $2,000 or even $3,000, but they’ll often require a substantial deposit, like $500,000. “New money” refers to funds not previously held at that bank.
Spending: This might involve making a certain number of card transactions or reaching a spending threshold within a set period after opening the account.
Direct deposits: Regularly scheduled deposits, like your paycheck or government benefits, can help you secure a bonus. Note that personal transfers typically don’t count as direct deposits for these bonus offers.

Occasionally, there might be other requirements, like downloading an app or opting for paperless billing, but the primary ones are the above.

Also, remember that these bonuses are for “new customers.” Most banks require you haven’t closed an account of the same type recently. If you’ve been a customer before, especially if you’ve closed an account in the past six months or year, always read the fine print or reach out to customer service to ensure you’re eligible.

4. Legal Status

For most U.S. bank accounts, Non-Resident Aliens (NRAs) need to visit a physical branch to open an account and might not receive the online bonus. Some accounts might even be exclusively for U.S. citizens online, requiring non-citizens to visit a branch.

Often, banks ask, “Are you a U.S. resident alien or another U.S. person?” Resident aliens include green card holders and those meeting the IRS substantial presence test, including most work visa holders. Students on F visas are considered non-residents (NRA) for their first 5 years, while J visa scholars are NRAs for their first 2 years.

Remember, account bonuses are taxable income, and you’ll receive a Form 1099/1042. However, this kind of income doesn’t require employment and won’t jeopardize your status, even if you’re on a B1/B2, F/M/J visa without an EAD/OPT.

5. Additional Info

Opening a bank account typically involves a soft pull, so it won’t impact your credit score.

Fan Zhao

A smart and thrifty homemaker who loves baking.

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