December 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	个人支票, 储蓄账户, 商业支票	零月费, 易免除, 难免除	存钱, 消费, 工资, 其他
American Express 商业支票 Account offers 30,000 MR bonus points worth up to $300! Deposit $5,000 within 30 days of opening your account, maintain it for 60 days, make 5 transactions within 60-day period, and earn 30,000 MR bonus points worth up to $300. No monthly fee. Open Now	商业支票	零月费	存钱, 消费
AXOS Bank Checking Account Offers $300 Bonus Open an account by June 30th, 2024 using promo code AXOS300. Deposit funds within 30 days of account opening, direct deposit $5,000 per month for the first 7 months, maintain an average daily balance of $7,000, and receive a $300 bonus. No monthly fees. Offer valid nationwide. Open Now	个人支票	零月费	工资
AXOS Bank Small Business Checking Account Offers Up To $400 Bonus Open an account with code NEW400 by 06/30/2024. 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 商业支票 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 商业支票 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	商业支票	易免除	存钱
BMO Harris Business Checking Account offers up to $1,000 bonus Open a new BMO business checking account by April 30, 2024. Have 10 electronic transactions within 90 days, AND $4,000 – $9,999.99 Average Collected Balance for 90 days to receive $300 bonus; $10,000 – $29,999.99 Average Collected Balance to receive $500 bonus; $30,000 or more Average Collected Balance to receive $1,000 bonus. Available in AZ, FL, IL, IN, KS, MN, MO, WI. There are four business accounts to choose from, and their monthly fees vary from $10 – $25, and all are easily waived. Open Now	商业支票	零月费	存钱, 消费
Bank of America Checking Account offers $200 bonus Open a personal checking account by May 31, 2024. Promo code TWA200CIS. Set up and receive Qualifying Direct Deposits totaling $2,000 or more within 90 days of account opening, and get a $200 bonus. Offer valid nationwide. Open Now	个人支票	易免除	工资
Capital One 360 Checking Account Offers $250 bonus Open a new account using the promo code REWARD250. Receive at least 2 direct deposits, each of $500 or more, within 75 days of account opening, get $250 bonus. No monthly fee. No early termination fee. Offer valid nationwide. Open Now	个人支票	零月费	存钱
Chase Private Client account offers up to $3,000 bonus Open a checking or savings account by 07/24/2024, 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	个人支票, 储蓄账户	难免除	存钱
Chase 商业支票 Account Offers $400 Bonus Open an account by 4/18/2024. Deposit $2,000 in 30 days, maintain it for 60 days, and make 5 transactions in 90 days, and you’ll receive a $400 bonus. Monthly fee is $15; waived if you maintain a balance of $2,000 or spend $2,000. Offer is valid nationwide. Open Now	商业支票	零月费	存钱, 消费
Chase Total Checking Checking Account Offers $300 Bonus Open your account by 07/24/2024 and set up a direct deposit within 90 days and you’ll receive a $300 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	个人支票	易免除	工资
Chase Total Checking + Saving Account Offers up to $900 Bonus Open a checing account by 07/24/2024 and set up a Direct Deposit within 90 days, receive a $300 bonus. Open a saving account by 07/24/2024, deposit $15K within 30 days and maintain 90 days, receive a $200 bonus. Open a checing account AND a saving account. Complete the above 2 requirements and receives a $400 bonus. Total $900 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	个人支票, 储蓄账户	易免除	工资, 存钱
Chase Secure Banking Checking Account offers a $100 bonus Open an account before 07/24/2024, 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	个人支票	难免除	消费
Chase College Checking Account offers a $100 bonus Only for students aged 17-24. Open an account before 07/24/2024, and complete 10 transactions within 60 days to receive a $100 bonus. No monthly fee. Offer valid nationwide. Open Now	个人支票	零月费	消费
Citigold checking account offers up to $2,000 bonus (expired) 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	个人支票	零月费	存钱
Citi Priority checking account offers a bonus of up to $2,000 (expired) 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	个人支票	零月费	存钱
Citi Bank offers a $300 cash bonus Open an eligible checking account by July 8, 2024 with qualifying Enhanced Direct Deposits and completing required activities. Deposit at least two Enhanced Direct Deposits directly into your new checking account within 90 calendar days from account opening. Total combined Enhanced Direct Deposits must equal $1,500 or more. Open Now	个人支票	易免除	工资
HSBC Premier Checking Earn a higher Relationship APY when you open an HSBC Premier Relationship Savings account and link your eligible Premier checking account and meet least one of the following eligibility criteria each month: – Spend $500 on your debit card: Make $500 or more in purchases or payments (excluding ATM withdrawals) using the HSBC Debit Card associated with your linked HSBC Premier checking account – Receive $5,000 in direct deposits: Qualifying direct deposits of $5,000 or more into the linked HSBC Premier checking account – Have a $500,000 mortgage: HSBC U.S. residential mortgage loan with an original loan amount of at least $500,000 – Hold Premier Elite status 4.5% APY. 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	个人支票	零月费	其他
First Tech Reward Checking Offers Up to $300 Bonus Open an account before June 30, 2024. Set up a new payroll direct deposit of $1,000+ per month for a minimum of three months and receive a bonus of $200. 5% APY up to $15,000. No monthlye. However, you need to join their credit union first, which has an $8 membership fee. Offer is valid nationwide Open Now	个人支票	易免除	工资
Huntington Bank 商业支票 Account Offers Up to $1,000 in Bonuses Open account by April 30, 2024, deposit new funds within 60 days and maintain for 90 days. Deposit $2,000 and get a $100 bonus. No monthly fee. Deposit $5,000 and get $400 bonus. Monthly fee can be waived. Deposit $20,000 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	商业支票	零月费	存钱
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 June 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	个人支票	零月费, 易免除	工资, 存钱
PNC Virtual Wallet Checking Account Offers $200 Bonus Open an account by 04/30/2024 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	个人支票	零月费	工资
SoFi Checking and Savings Accounts Offer Up to $300 Bonus Open an account by June 30th, 2024 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 $300 bonus. No monthly fee. Offer valid nationwide. Open Now	个人支票, 储蓄账户	易免除	工资
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 Apr 30, 2024, 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	个人支票	易免除	工资
Wells Fargo checking account offers a bonus of $325 Open an account before April 9, 2024, 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	个人支票	易免除	工资
Wells Fargo checking account offers a bonus of $325 Open an account before June 25, 2024, make a $25,000 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	储蓄账户	易免除	存钱
Laurel Road loyalty checking account offers a bonus of up to $340 This offer is available to nurses only. Open an account before 04/30/2024 and earn a $100 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	个人支票	零月费	工资
U.S. Bank Smartly® Checking and Standard Savings offer up to $700 bonus Open Smartly® Checking account by June 27, 2024. Within 90 days of account opening, enroll in the U.S. Bank Mobile App or online banking and make at least TWO direct deposits (DD). Total DD between $3,000 and $4,999.99, get $100 bonus; DD $5,000 and $9,999.99, get $300 bonus; total DD >= $10,000, get $500 bonus. Open a Standard Savings account, deposit(s) total $15,000 or more by July 17, 2024, maintain that balance until October 31, 2024, get $200 bonus. Total bonus $700. Offer valid nationwide. Open Now	个人支票	易免除	存钱, 工资
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	储蓄账户	易免除	存钱

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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