| Written by: ToP Staff

Best Bank Account Bonuses

We've compiled a guide of the best bank account bonuses available nationwide, so you can easily see them all in one place. This isn't an exhaustive list, but we think it highlights some of the better ones that should be available to most everyone. It's worth it to always check regional and smaller banks in your area, tooโ€”they'll often have some of the best offers available to you. We've sorted 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 update this article regularly. UPDATE 6/29/26: The list reflects currently available offers.

Best Personal Checking Bank Bonus

Here are a list of some of the better nationwide personal checking account bank bonus offers. This includes a brief overview of each offer and a 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: Up to $500
  • Direct Deposit Amount: Up to $10,000 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.

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, but it makes for a pretty easy payday.

  • Offer Total: $325 – $400
  • Direct Deposit Amount: $1,000 or more in direct deposit(s)
  • Our Full Write Up
Best Bank Account Bonuses

Best Personal Savings Accounts

These are some of the better personal savings accounts available to most people nationwide (or at least mostly nationwide).

Capital One Savings Account

The Capital One savings account bonus offers a huge bonus, at $1,500. 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 still a useful offer for many.

  • Offer Total: $300-$1,500
  • Savings Deposit Amount: $20,000-$100,000
  • 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's on both the checking and savings lists for this reason.

  • Offer Total: $200 savings / $900 in total possible
  • Savings Deposit Amount: A deposit of $15,000 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 Bank Account Bonuses

Best Business Checking Accounts

Lastly, here are the best nationwide business checking account bonuses offered:

Wells Fargo Business Checking

This is one of the newer offers and is one of the best on the list. It comes with two options, which should work with any budget.

Chase Business Checking

This is one of the best business banking bonuses in terms of ease of requirements and because of the payout.

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 (there are targeted increased offers floating around)
  • 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: Up to $750
  • Requirements: A deposit of up to $15,000 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 $2,000
  • Requirements: A deposit of up to $200,000 is required
  • Our Full Write Up
M&T Bank Business Checking Bonus

This has one of the larger bonuses available, but the requirements are steep on the ToP end.

  • Offer Total: $300-$1,500
  • Requirements: Average daily balance of $5,000-$100,000 is required
  • Our Full Write Up
US Bank Business Checking

This is another business checking offer that has a pretty strong 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: $400-$1,200
  • Requirements: A deposit of up to $5,000-$25,000 is required
  • Our Full Write Up
Best Bank Account Bonuses

Currently Inactive Offer(s)

We previously had this offer on our list of the best nationwide bank bonuses, but it isn't available right now. We will watch for it to come back.

Wells Fargo Savings Account (Not Currently Available)

The Wells Fargo savings account offer could pair nicely with the $325-$400 Wells Fargo checking account offer.

  • Offer Total: $525
  • Savings Deposit Amount: A deposit of $25,000 is required
  • Our Full Write Up
Best Bank Account Bonuses

Best Bank Account Bonuses: ToP Thoughts

If you grabbed all of the best bank account bonuses on this list it would amount to well over $7,000 in earnings. We'll continue to update these posts as their offers get extended or change. If we see anything new worthy of making the best bank account bonuses list, we 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.