#2Wells Fargo Clear Access Banking
$125 for 10 purchases, Zelle payments or mobile deposits within 60 days
No money has to go in
Easy · Nationwide · Checked on Wells Fargo's own site Oct 14, 2026
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Chase Secure Banking. $175 for 10 debit purchases, bill pays or Zelle payments within 60 days. No money has to go in.
#2$125 for 10 purchases, Zelle payments or mobile deposits within 60 days
No money has to go in
Easy · Nationwide · Checked on Wells Fargo's own site Oct 14, 2026
#1$175 for 10 debit purchases, bill pays or Zelle payments within 60 days
No money has to go in
Easy · Nationwide · Checked on Chase's own site Oct 14, 2026
#3$400 for $1,000 in direct deposits within 90 days
Move $1,000 in; it can go straight back out once it lands
Easy · Nationwide · Checked on Chase's own site Oct 14, 2026

What to do. Open Chase Secure Banking and make 10 qualifying transactions within 60 days: debit card purchases, online bill payments, Chase QuickDeposit, Zelle or ACH credits, in any mix. No direct deposit needed. Paid within 15 days of qualifying.
Your money. No money has to go in.
Fee. $4.95 a month, waived with $250 or more in electronic deposits a month or for ages 17 to 24. Free for the first two statements.
Closing early. The account has to be open when the bonus pays.
Credit check. Chase's offer page does not say whether it checks credit or ChexSystems.
Who qualifies. Not for current Chase checking customers, anyone who closed a Chase checking account in the last 90 days, or anyone who got a Chase checking bonus in the last 2 years.
Watch out. Chase pays one new checking bonus every 2 years, so pick one Chase offer: they block each other.
Open in every state. Offer ends Jan 27, 2027. No code needed. Bank bonuses are usually taxable and reported to you on a 1099.
Full terms on Chase's own page, checked Oct 14, 2026 →
What to do. Open Clear Access Banking with a $25 opening deposit and make 10 qualifying transactions within 60 days: Zelle, mobile check deposits, Bill Pay, or debit card and digital wallet purchases. Paid within 30 days of qualifying.
Your money. No money has to go in.
Fee. $5 a month, waived for ages 13 to 24 or with $250 in electronic deposits a month.
Closing early. The account has to be open when the bonus pays.
Credit check. Wells Fargo's offer page does not say whether it checks credit or ChexSystems.
Who qualifies. Not if you got a Wells Fargo checking bonus in the last 12 months. Online applicants must be 18 or older.
Watch out. Counts as your Wells Fargo bonus for 12 months, so it blocks the $325 Everyday Checking offer.
Open in every state. Offer ends Jan 13, 2027. No code needed. Bank bonuses are usually taxable and reported to you on a 1099.
Full terms on Wells Fargo's own page, checked Oct 14, 2026 →
What to do. Open Chase Total Checking from Chase's offer page and get direct deposits totalling $1,000 or more within 90 days. Chase pays the bonus within 15 days of you qualifying.
Your money. Move $1,000 in; it can go straight back out once it lands.
Fee. $15 a month, waived with $500 or more in direct deposits a month, a $1,500 daily balance, or other ways Chase lists. Free for the first two statements.
Closing early. The account has to be open when the bonus pays. Chase's page sets no clawback after that.
Credit check. Chase's offer page does not say whether it checks credit or ChexSystems.
Who qualifies. Not for current Chase checking customers, anyone who closed a Chase checking account in the last 90 days, or anyone who got a Chase checking bonus in the last 2 years.
Watch out. Only a real paycheck, pension or government deposit counts. Zelle, Venmo, transfers from your own accounts and mobile check deposits do not.
Watch out. Chase pays one new checking bonus every 2 years, so pick one Chase offer: they block each other.
Open in every state. Offer ends Jan 27, 2027. No code needed. Bank bonuses are usually taxable and reported to you on a 1099.
Full terms on Chase's own page, checked Oct 14, 2026 →
What to do. Open TD Complete Checking through TD's offer page by November 30, 2026, and receive $500 in direct deposits within 60 days, each one $250 or more. Paid by day 180.
Your money. Move $500 in; it can go straight back out once it lands.
Fee. $15 a month, waived with $500 in monthly direct deposits, a $500 daily balance, or for ages 17 to 23.
Closing early. If the account is closed within 6 months of opening, TD may take the bonus back.
Credit check. TD Bank's offer page does not say whether it checks credit or ChexSystems.
Who qualifies. Not for current TD checking customers, anyone who closed one in the last 12 months, or anyone who got a TD checking bonus before.
Watch out. Each direct deposit has to be $250 or more to count.
Only in Connecticut, Delaware, Florida, Maine, Maryland, Massachusetts, New Hampshire, New Jersey, New York, North Carolina, Pennsylvania, Rhode Island, South Carolina, Vermont, Virginia, Washington DC. Offer ends Nov 30, 2026. No code needed. Bank bonuses are usually taxable and reported to you on a 1099.
Full terms on TD Bank's own page, checked Oct 14, 2026 →
What to do. Open Everyday Checking from Wells Fargo's offer page with a $25 opening deposit, then receive $1,000 or more in qualifying electronic deposits within 90 days. Paid within 30 days of qualifying.
Your money. Move $1,000 in; it can go straight back out once it lands.
Fee. $15 a month, waived with $500 or more in electronic deposits, a $1,500 daily balance, or for ages 17 to 24.
Closing early. The account has to be open when the bonus pays.
Credit check. Wells Fargo's offer page does not say whether it checks credit or ChexSystems.
Who qualifies. New Wells Fargo checking customers only, and not if you got a Wells Fargo checking bonus in the last 12 months.
Watch out. ACH deposits and instant RTP or FedNow payments count. Zelle, mobile deposits and transfers between your own accounts do not.
Open in every state. Offer ends Jan 13, 2027. No code needed. Bank bonuses are usually taxable and reported to you on a 1099.
Full terms on Wells Fargo's own page, checked Oct 14, 2026 →
What to do. Open 360 Checking with code CHECKING250 and receive at least two qualifying direct deposits of $500 or more each within 75 days. Capital One can take up to 60 more days to pay.
Your money. Move $1,000 in; it can go straight back out once it lands.
Credit check. Capital One's offer page does not say whether it checks credit or ChexSystems.
Who qualifies. Not if you have had a Capital One 360, Simply or Total Control Checking account since January 1, 2024.
Watch out. Transfers you start from Capital One's own site or app do not count as direct deposits.
Open in every state. Code CHECKING250. Bank bonuses are usually taxable and reported to you on a 1099.
Full terms on Capital One's own page, checked Oct 14, 2026 →
What to do. Open Virtual Wallet online from PNC's offer page and receive $500 or more in qualifying direct deposits within 60 days. PNC pays 60 to 90 days after you qualify.
Your money. Move $500 in; it can go straight back out once it lands.
Fee. $7 a month unless waived (PNC lists the ways on its fee page).
Closing early. The account has to stay open, as the same product, until the bonus pays.
Credit check. PNC's offer page does not say whether it checks credit or ChexSystems.
Who qualifies. Not for current PNC checking customers, anyone who closed one in the last 12 months, or anyone who got a PNC checking bonus in the last 24 months.
Watch out. PNC says the offer may vary by market, so check it for your address before you open.
Open in every state. Offer ends Jan 7, 2027. No code needed. Bank bonuses are usually taxable and reported to you on a 1099.
Full terms on PNC's own page, checked Oct 14, 2026 →
What to do. Open Smart Checking online with code KDMA0526 by December 11, 2026, with a $10 opening deposit, and receive $2,000 or more in direct deposits within 90 days. Paid within 60 days of qualifying.
Your money. Move $2,000 in; it can go straight back out once it lands.
Credit check. KeyBank's offer page does not say whether it checks credit or ChexSystems.
Who qualifies. Not if you owned a KeyBank checking account in the last 12 months. One bonus per person.
Watch out. KeyBank says geographic restrictions apply. It has branches in the states listed.
Only in Alaska, Colorado, Connecticut, Florida, Idaho, Indiana, Maine, Massachusetts, Michigan, New York, Ohio, Oregon, Pennsylvania, Utah, Vermont, Washington. Offer ends Dec 11, 2026. Code KDMA0526. Bank bonuses are usually taxable and reported to you on a 1099.
Full terms on KeyBank's own page, checked Oct 14, 2026 →
What to do. Open TD Beyond Checking through TD's offer page by November 30, 2026, and receive $2,500 in direct deposits within 60 days, each one a payroll, pension or government payment of $250 or more. Paid by day 180.
Your money. Move $2,500 in; it can go straight back out once it lands.
Fee. $25 a month, waived with $5,000 in monthly direct deposits or a $2,500 daily balance.
Closing early. If the account is closed within 6 months of opening, TD may take the bonus back.
Credit check. TD Bank's offer page does not say whether it checks credit or ChexSystems.
Who qualifies. Not for current TD checking customers, anyone who closed one in the last 12 months, or anyone who got a TD checking bonus before.
Watch out. Each direct deposit has to be $250 or more to count.
Only in Connecticut, Delaware, Florida, Maine, Maryland, Massachusetts, New Hampshire, New Jersey, New York, North Carolina, Pennsylvania, Rhode Island, South Carolina, Vermont, Virginia, Washington DC. Offer ends Nov 30, 2026. No code needed. Bank bonuses are usually taxable and reported to you on a 1099.
Full terms on TD Bank's own page, checked Oct 14, 2026 →
What to do. Open Select Checking online with code KDMB0526 by December 11, 2026, with a $50 opening deposit, and receive $5,000 or more in direct deposits within 90 days. Paid within 60 days of qualifying.
Your money. Move $5,000 in; it can go straight back out once it lands.
Fee. $25 a month after the first 3 months, waived with a $15,000 combined balance or $3,000 in direct deposits a month.
Credit check. KeyBank's offer page does not say whether it checks credit or ChexSystems.
Who qualifies. Not if you owned a KeyBank checking account in the last 12 months. One bonus per person.
Watch out. KeyBank says geographic restrictions apply. It has branches in the states listed.
Only in Alaska, Colorado, Connecticut, Florida, Idaho, Indiana, Maine, Massachusetts, Michigan, New York, Ohio, Oregon, Pennsylvania, Utah, Vermont, Washington. Offer ends Dec 11, 2026. Code KDMB0526. Bank bonuses are usually taxable and reported to you on a 1099.
Full terms on KeyBank's own page, checked Oct 14, 2026 →
What to do. Get the promo code from Santander's offer page (it asks for your name and email), then open a checking account in a branch by December 18, 2026. Keep a $5,000 average daily balance over the first 90 days and receive one direct deposit. Paid within 30 days after day 90.
Your money. Keep $5,000 in for about 3 months, which works out to about 41% a year on that money.
Fee. $10 to $25 a month depending on the account, with waivers Santander lists.
Closing early. The account has to be open at least 90 days.
Credit check. Santander's offer page does not say whether it checks credit or ChexSystems.
Who qualifies. Not for current Santander checking customers or anyone who had one in the last 12 months.
Watch out. Branch opening only. In Florida, only Miami-Dade, Monroe and Broward counties (and ZIP 34141) qualify.
Watch out. The balance is an average over 90 days, so the timing of the money is flexible as long as the average reaches $5,000.
Only in New Hampshire, Massachusetts, Rhode Island, Connecticut, Delaware, New York, New Jersey, Pennsylvania, Florida. Offer ends Dec 18, 2026. No code needed. Bank bonuses are usually taxable and reported to you on a 1099.
Full terms on Santander's own page, checked Oct 14, 2026 →
What to do. Open SoFi Checking and Savings and set up direct deposit. Deposits over the 25 days from the first one set the bonus: $5,000 or more earns $400, $1,000 to $4,999 earns $50. The first direct deposit must arrive by December 31, 2026. Paid within 7 business days, the fastest on this list.
Your money. Move $5,000 in; it can go straight back out once it lands.
Credit check. SoFi's offer page does not say whether it checks credit or ChexSystems.
Who qualifies. New and existing SoFi members who have never set up direct deposit with SoFi. One per member.
Watch out. Only recurring payroll, pension or government deposits count. SoFi may report the bonus on a 1099-MISC rather than a 1099-INT.
Open in every state. Offer ends Dec 31, 2026. No code needed. Bank bonuses are usually taxable and reported to you on a 1099.
Full terms on SoFi's own page, checked Oct 14, 2026 →
What to do. Open Virtual Wallet with Performance Select online from PNC's offer page and receive $5,000 or more in qualifying direct deposits within 60 days. PNC pays 60 to 90 days after you qualify.
Your money. Move $5,000 in; it can go straight back out once it lands.
Fee. $25 a month unless waived (PNC lists the ways on its fee page).
Closing early. The account has to stay open, as the same product, until the bonus pays.
Credit check. PNC's offer page does not say whether it checks credit or ChexSystems.
Who qualifies. Not for current PNC checking customers, anyone who closed one in the last 12 months, or anyone who got a PNC checking bonus in the last 24 months.
Watch out. PNC says the offer may vary by market, so check it for your address before you open.
Open in every state. Offer ends Jan 7, 2027. No code needed. Bank bonuses are usually taxable and reported to you on a 1099.
Full terms on PNC's own page, checked Oct 14, 2026 →
What to do. Open Chase Premier Plus Checking, deposit $15,000 or more in new money (money not already at Chase) within 30 days, and keep at least $15,000 in for 90 days from enrolment. Paid within 15 days of qualifying.
Your money. Keep $15,000 in for about 3 months, which works out to about 18% a year on that money.
Fee. $25 a month, waived with a $15,000 average balance, which you are holding anyway. Free for the first two statements.
Closing early. The account has to be open when the bonus pays.
Credit check. Chase's offer page does not say whether it checks credit or ChexSystems.
Who qualifies. Not for current Chase checking customers, anyone who closed a Chase checking account in the last 90 days, or anyone who got a Chase checking bonus in the last 2 years.
Watch out. Chase pays one new checking bonus every 2 years, so pick one Chase offer: they block each other.
Open in every state. Offer ends Jan 27, 2027. No code needed. Bank bonuses are usually taxable and reported to you on a 1099.
Full terms on Chase's own page, checked Oct 14, 2026 →
What to do. Open your first Amex Rewards Checking account by February 1, 2027, and receive $7,500 or more in qualifying direct deposits within the first 90 days. Paid up to 8 to 12 weeks after.
Your money. Move $7,500 in; it can go straight back out once it lands.
Closing early. The account has to be open and in good standing when the bonus pays.
Credit check. American Express's offer page does not say whether it checks credit or ChexSystems.
Who qualifies. Only for people who already hold an American Express consumer card, or an Amex High Yield Savings account or CD. Not if you have ever had Rewards Checking.
Watch out. You need an Amex card or Amex savings first, so this is not a cold start.
Open in every state. Offer ends Feb 1, 2027. No code needed. Bank bonuses are usually taxable and reported to you on a 1099.
Full terms on American Express's own page, checked Oct 14, 2026 →
What to do. Meet a Chase banker to open Chase Private Client Checking, move in qualifying new money or securities within 45 days, and keep it there for 90 days from enrolment. The balance at day 45 sets the tier. Paid within 40 days of qualifying.
Your money. Keep $150,000 in for about 3 months, which works out to about 3% a year on that money.
Fee. $35 a month, waived with a $150,000 average balance.
Closing early. The account has to be open when the bonus pays.
Credit check. Chase's offer page does not say whether it checks credit or ChexSystems.
Who qualifies. One Chase new-money bonus (Private Client, J.P. Morgan Private Client or a savings promo rate) per 12 months. The money cannot already be at Chase.
Watch out. Market gains and losses on moved securities do not count toward the balance.
Open in every state. Offer ends Jan 27, 2027. No code needed. Bank bonuses are usually taxable and reported to you on a 1099.
Full terms on Chase's own page, checked Oct 14, 2026 →
#1Up to $1,800 for $40,000 kept in savings for 12 months, plus your gas paid back each month on the checking side
Keep $40,000 in for about 12 months
Hard · 15 states · Checked on Citizens's own site Oct 14, 2026
#2$200 for $10,000 deposited within 20 days and kept in 90 more days
Keep $10,000 in for about 110 days
Medium · 16 states · Checked on TD Bank's own site Oct 14, 2026

What to do. Open a new checking and a new savings account on the same day between October 1 and November 15, 2026. Savings: make one deposit of new money within 10 business days; each month with $40,000 or more in it earns $150 ($15,000 earns $50), up to $1,800. Checking: each month with $1,000 in direct deposits, Citizens pays back your gas station spending on its debit card, up to $50 or $100 a month depending on the account.
Your money. Keep $40,000 in for about 12 months, which works out to about 5% a year on that money.
Fee. One Deposit Checking is $9.99 and One Deposit Savings $4.99, each waived with one deposit a month. Quest Checking is $25 unless waived.
Closing early. Both accounts have to stay open and in good standing through each monthly payment.
Credit check. Citizens's offer page does not say whether it checks credit or ChexSystems.
Who qualifies. Not if you were on a Citizens personal checking account in the last 6 months. Once per customer.
Watch out. The checking half is a gas rebate, not a flat bonus: it only pays back what you spend on gas.
Watch out. Citizens' promo page does not list states. Citizens has branches in the states listed.
Only in Connecticut, Delaware, Florida, Maryland, Massachusetts, Michigan, New Hampshire, New Jersey, New York, Ohio, Pennsylvania, Rhode Island, Vermont, Virginia, Washington DC. Offer ends Nov 15, 2026. No code needed. Bank bonuses are usually taxable and reported to you on a 1099.
Full terms on Citizens's own page, checked Oct 14, 2026 →
What to do. Open TD Signature Savings through TD's offer page by November 30, 2026, deposit $10,000 or more within 20 days, and keep at least $10,000 in for 90 more days. It can be paired with a TD checking bonus. Paid by day 180.
Your money. Keep $10,000 in for about 110 days, which works out to about 7% a year on that money.
Closing early. If the account is closed within 6 months of opening, TD may take the bonus back.
Credit check. TD Bank's offer page does not say whether it checks credit or ChexSystems.
Who qualifies. Not if you got a TD savings bonus before.
Only in Connecticut, Delaware, Florida, Maine, Maryland, Massachusetts, New Hampshire, New Jersey, New York, North Carolina, Pennsylvania, Rhode Island, South Carolina, Vermont, Virginia, Washington DC. Offer ends Nov 30, 2026. No code needed. Bank bonuses are usually taxable and reported to you on a 1099.
Full terms on TD Bank's own page, checked Oct 14, 2026 →Every bonus, requirement and fee here was read from the bank's own offer page and terms, and the day it was checked is printed beside it.
Monthly fees and how to avoid them, the money you have to put in, early-closure clawbacks and who is shut out are listed with each offer, not hidden.
Some links pay Promonyx a referral bonus. That never moves an offer up the list. Order is return on the money tied up, nothing else.
By return on the money it ties up, Chase Secure Banking: $175 for 10 debit purchases, bill pays or Zelle payments within 60 days. No money has to go in.
18 are listed in Connecticut today. 7 of them are only for people in Connecticut and nearby states; the rest are open nationwide. You can do more than one: each bank pays its own bonus.
The bonus divided by the money you have to put in to earn it, shown with how long that money has to stay. For a direct deposit offer the money can move straight back out once it lands; for a balance offer it stays for the time shown. Either way it is still your money, so the bonus is what you earn for moving it.
Opening a checking or savings account usually means a ChexSystems check rather than a hard credit pull, but banks differ, and none of the offers here say on their page. If it matters to you, ask the bank before you apply.
Usually, yes. Banks report the bonus as income, usually on a 1099-INT, so it counts toward your taxable income for the year.
Bank bonuses are the easy start. Sportsbook sign-up offers pay more for the time they take, and Promonyx walks you through turning them into cash, step by step. For adults 21+.
See the sportsbook offers in your state →