Best Bank Account Bonuses
I wanted to put together a guide of the best bank account bonuses available nationwide. This won't be an exhaustive list, but we will make sure to highlight the better ones that should be available to most everyone. Remember to always check regional and smaller banks in your area as well. They will often have some of the best offers available to you. As I notice new accounts that have good offers I will add them to this roundup as well. I'll break down the best bank account bonuses by personal checking, personal savings and business checking. These will come in and out of stock, but we will do our best to keep them as up to date as possible.
RELATED: My Zany Goal To Max Out My Retirement Savings With Bank Bonuses
Best Personal Checking Bank Bonus
Here are a list of some of the better nationwide personal checking account bank bonus offers. I will give a brief overview of each offer and then link to our complete write up on the offer.
Bank Of America Checking Bonus
The bonus is pretty decent for this account, but it is the perks of holding the checking account that is the real hero here. Bank of America makes credit card approvals easier for bank account holders.
- Offer Total: $300
- Direct Deposit Amount: $2,000 in 90 days
- Our Full Write Up
Capital One Checking Account
This is a pretty easy checking account bonus that doesn't require large direct deposit requirements, have any fees or require any debit card purchases. It is a checking account bonus that has posted quickly in the past as well for people.
- Offer Total: $250
- Direct Deposit Amount: $500 x 2
- Our Full Write Up
Chase Checking Account
The Chase checking account bonus is smaller on its own, but can be one of the largest bonuses offered when you complete the combo offer. It will end up on both the checking and savings list because of this.
- Offer Total: $300 checking / $900 in total possible
- Direct Deposit Amount: Direct deposit set up required, but there doesn't appear to be a minimum requirement
- Our Full Write Up
Wells Fargo Checking Account
The Wells Fargo checking account is kind of middle of the road on requirements, bonus amount and payout timeline. We both did it last year for a pretty easy payday.
- Offer Total: $325
- Direct Deposit Amount: $1,000 or more in direct deposit(s)
- Our Full Write Up
Best Personal Savings Accounts
Next up we will take a look at the better personal savings accounts available to most people nationwide (or mostly nationwide).
Capital One Savings Account
The Capital One savings account bonus offers a huge bonus, at $1500, but it requires a lot of money on deposit to get there. There are multiple tiers to this offer that you can aim for though, making it a useful offer for many.
- Offer Total: Up to $1500
- Savings Deposit Amount: A deposit of up to $100,000 is required
- Our Full Write Up
Chase Savings Account
The Chase savings account bonus is tiny on its own, but can be one of the largest bonuses offered when you complete the combo offer. It will end up on both the checking and savings list because of this.
- Offer Total: $200 savings / $900 in total possible
- Savings Deposit Amount: A deposit of $15,000 is required
- Our Full Write Up
Wells Fargo Savings Account
The Wells Fargo savings account offer pairs nicely with the $325 Wells Fargo checking account. The big downside is this must be done in branch, while the checking account can be done online.
- Offer Total: $525
- Savings Deposit Amount: A deposit of $25,000 is required
- Our Full Write Up
Discover Savings Account
The Discover savings account seems a little daunting, because of the deposit required, but it is actually probably the easiest of the bunch.
- Offer Total: $200
- Savings Deposit Amount: A deposit of $25,000 is required
- Our Full Write Up
Barclays Savings Account
While the bonus is small, at only $200, it comes with one of the higher interest paying accounts that offer a bonus. That makes it more valuable overall versus what it seems like on its face. It is an account that could be useful long term too.
- Offer Total: $200
- Savings Deposit Amount: A deposit of $25,000 is required
- Our Full Write Up
Best Business Checking Accounts
The last section I wanted to go over is the best nationwide business checking account bonuses offered.
Wells Fargo Business Checking
This is the newest offer to drop, and it is immediately one of the best on the list. It comes with 2 options, which should work with any budget.
Offer Total: Up To $825
Requirements: Deposit $2500 – $25,000
Our Full Write Up
Chase Business Checking
This is one of the best business banking bonuses in terms of ease of requirements and because of the payout.
- Offer Total: Up To $750
- Requirements: Deposit $2000 – $20,000
- Our Full Write Up
Amex Business Checking
This one can be a bit tricky, because it can vary widely in the amount depending on what you are targeted for. It is fairly easy to hit, and can be a nice bump for your Membership Rewards balance.
- Offer Total: 30,000 – 70,000 Membership Rewards
- Requirements:
- Deposit a total of $15,000 or more in eligible deposits within 30 days of opening your first account
- Maintain an average balance in your account of at least $15,000 for sixty (60) days, starting on the date that your deposits of new money are equal to $15,000 or greater; and
- Complete 5 qualifying transactions within sixty (60) days of account opening.
- Our Full Write Up
Bank of America Business Checking
While this is the smallest of the business checking bonuses, it can be useful for another reason. Having a checking account with Bank of America can help you get approved for their credit cards, and allows you to carry more cards at once.
- Offer Total: $200
- Requirements: A deposit of $5,000 is required
- Our Full Write Up
Citi Business Checking
This has the largest bonus available, but it requires a ton of money. Luckily it is available on a sliding scale, so there are other options too.
- Offer Total: Up to $2000
- Requirements: A deposit of up to $200,000 is required
- Our Full Write Up
US Bank Business Checking
This is another business checking offer that has a pretty good offer on the high end, but requires a much more manageable $25,000 to be deposited. If you can't swing that amount, then there is still a really good offer at the $5,000 level.
- Offer Total: Up to $900
- Requirements: A deposit of up to $25,000 is required
- Our Full Write Up
Best Bank Account Bonuses: ToP Thoughts
If you grabbed all of the best bank account bonuses on this list that would be just under $6000 in money / points. Almost enough for me to hit my Roth IRA funding goal with bank bonuses. Maybe I need to get on some of these! I'll continue to update these posts as their offers get extended or change. If I see anything new worthy of making the best bank account bonuses list I will add it in here as well. So, be sure to check this out each time you are ready for a new checking or savings account bonus. Also, remember to check your local banking institutions, since sometimes those offer outsized value.
