Best Bank Account Bonus Offers (Up to $3,000)

Our experts answer readers' banking questions and write unbiased product reviews (here's how we assess banking products). In some cases, we receive a commission from our partners; however, our opinions are our own. Terms apply to offers listed on this page.

We've gone through the best bank promotions and bonus offers among national, regional banks, and online banks, and selected our top picks for September 2023. Some of these bank bonus offers are for personal checking and savings accounts, while other promotions are for business accounts.

Compare the Best Bank Account Promotions and Bonus Offers

Best Checking Account Bonuses and Promotional Offers

• Chase Private Client Checking℠: Earn up to a $3,000 bonus when you open a new Chase Private Client Checking℠ account with qualifying activities
• Citigold® Checking Account: Earn up to $2,000 cash bonus when you maintain a minimum eligible balance and complete required activities
• Citi Priority: Earn up to $2,000 cash bonus when you maintain a minimum eligible balance and complete required activities
• Huntington Bank Platinum Perks Checking: Earn a $600 cash bonus for eligible new customers who open a new, qualifying Huntington Platinum Perks Checking account by Oct. 7, 2023 with qualifying activities
• BMO Harris Premier Account: Earn a $500 cash bonus when you have a total of at least $7,500 in qualifying direct deposits within the first 90 days
• U.S. Bank Smartly® Checking: Earn up to $500 when you open a new U.S. Bank Smartly® Checking account online and complete qualifying activities (earn up to $1,000 total if you open Smartly Checking and Standard Savings accounts at the same time)
• Huntington Bank Perks Checking: Earn a $400 cash bonus for eligible new customers who open a new, qualifying Huntington Bank Perks Checking account by Oct. 7, 2023 with qualifying activities
• PNC Bank Virtual Wallet®: Earn $100 when you open Virtual Wallet and establish total qualifying direct deposits of at least $500 in the first 60 days, $200 when you open Virtual Wallet with Performance Spend and establish total qualifying direct deposits of at least $2,000 in the first 60 days, or $400 when you open Virtual Wallet with Performance Select and establish total qualifying direct deposits of at least $5,000 in the first 60 days (offer ends 08/31/2023)
• Capital One 360 Checking: Earn a $350 bonus after opening a new account by 10/18/2023 using the promo code BONUS350 and completing two direct deposits each worth $250 or more within 75 days of account opening
• BMO Harris Smart Advantage Checking Account and BMO Harris Smart Money: Earn a $300 cash bonus when you have a total of at least $4,000 in qualifying direct deposits within the first 90 days
• TD Bank Beyond Checking Account: Earn $300 when you have $2,500 in qualifying direct deposits within 60 days
• Laurel Road Linked Checking℠ and Laurel Road Loyalty Checking Account: Earn a $300 bonus after making a qualifying direct deposit of $2,500 or more within 60 days of opening your account
• Wells Fargo Everyday Checking Account: Earn a $300 bonus with a minimum opening deposit of $25 and receive a total of $1,000 or more in qualifying direct deposits to your new checking account within 90 calendar days of account opening (offer ends Sept 26, 2023)
• Axos Bank Rewards Checking: Earn up to $300 welcome bonus when you use the promo code SUNNYBONUS to apply for a Rewards Checking account and have qualifying direct deposit(s) by 12/31/23
• SoFi Checking and Savings: Earn up to $250 with qualifying direct deposit for eligible customers (through 12/31/2023)
• Ally Spending Account: Earn $200 bonus after using code "GET200" and making a direct deposit of $1,500 or more within 90 days (offer ends 11/30/2023) 
• Chase Total Checking®: Earn a $200 bonus when you open an account using a coupon code and set up direct deposit within 90 days of coupon enrollment (offer expires on 10/18/2023)
• TD Bank Convenience Checking Account: Earn $200 when you have $500 in qualifying direct deposits within 60 days
• M&T Bank EZChoice Checking, M&T Bank MyChoice Plus Checking, and M&T Bank MyChoice Premium Checking: Earn a $200 bonus when you make qualifying direct deposits totaling at least $500 within 90 days of account opening
• USAA Classic Checking: Earn a $100 bonus when you open your first USAA Classic Checking account and receive a qualifying military pay direct deposit of $100 or more within the first 180 days from account opening (offer ends 10/10/23)
• Chase Secure Banking℠: Earn $100 when you open a Chase Secure Banking account with qualifying transactions
• Chase College Checking℠: Earn $100 as a new Chase checking customer when you open a Chase College Checking℠ account and complete 10 qualifying transactions within 60 days of coupon enrollment

Best Savings Account Bonuses and Promotional Offers

• U.S. Bank Standard Savings Account: Earn up to $400 when you open a new U.S. Bank Standard Savings Account online and complete qualifying activities (earn up to $1,000 total if you open Smartly Checking and Standard Savings accounts at the same time)
• Alliant High-Rate Savings Account: Earn a $100 bonus when you deposit at least $100 a month for 12 consecutive months
• Bask Bank Mileage Savings Account: Earn up to 5,000 bonus AAdvantage® miles for new Bask Mileage Savings Account customers who fund their account within 15 business days from account opening and maintain a minimum daily balance of $25,000 for 90 consecutive days out of the first 120 days (open account by 11/30/2023)

Best Business Account Bonuses and Promotions

• Huntington Bank Unlimited Plus Business Checking: Earn a $1,000 cash bonus after making a deposit of at least $20,000 within 30 days of account opening and maintain minimum daily balance of $20,000 for 60 days after meeting deposit requirement (offer ends 9/7/23)
• U.S. Bank Silver Business Checking Package: Earn up to $800 bonus when you open a new, eligible U.S. Bank business checking account online with promo code Q3AFL23 and complete qualifying activities
• PNC Treasury Enterprise Plan and PNC Analysis Business Checking: Earn $500 when you open an account by 09/30/23 and maintain a combined monthly collected balance of $30,000 for each of the first three statement cycles
• Huntington Bank Unlimited Business Checking: Earn a $400 cash bonus after making a deposit of at least $5,000 within 60 days of account opening (offer ends 9/7/23)
• Chase Business Complete Checking: Earn a $300 bonus after completing qualifying activities including total deposits of at least $2,000
• Business Premium Savings: Earn up to $300 when you maintain a minimum average daily balance of $50,000 and use promo code NEWBPS (open account by 9/30/2023)
• Bank of America Business Fundamentals Checking: Earn a $200 cash bonus when you deposit $5,000 or more in new money within 30 days and maintain an average of $5,000 for the next 60 days (offer ends December 31, 2023)
• PNC Business Checking and PNC Business Checking Plus: Earn a $200 reward when you open a new account, maintain a $5,000 average ledger balance for the first three statement cycles, and make at least 20 qualifying transactions with your PNC Visa Business Credit Card in the first three statement cycles (offer ends 9/30/2023)
• Axos Bank Basic Business Checking Account and Axos Business Interest Checking: Earn up to $200 welcome bonus with promo code NEWSBC for qualifying business owners
• Huntington Bank Business Checking 100: Earn a $100 cash bonus after making a deposit of at least $2,000 within 60 days of account opening (offer ends 9/7/23)
• American Express Business Checking: Earn 30,000 Membership Rewards® points after qualifying activities

Bank Account Bonuses: Frequently Asked Questions

How to Qualify for the Best Bank Account Bonuses

Chase Private Client Checking℠

Bonus amount: $1,000 to $3,000

Expiration date: October 18, 2023

Who qualifies: Both new and existing Chase Private Client customers are eligible. Eligible accounts are Chase personal checking and savings accounts, and J.P. Morgan Wealth Management non-retirement accounts.

What you need to do:

• If you're a new client, visit the Chase bonus page and enter your email address to receive your promo code; then meet with a Private Client Banker to upgrade or open your account
• Transfer at least $150,000 of qualifying new money or securities into a combination of eligible accounts within the first 45 days
• To earn a $1,000 bonus, transfer $150,000 to $249,999
• To earn a $2,000 bonus, transfer $250,000 to $499,999
• To earn a $3,000 bonus, transfer $500,000 or more
• Maintain your new money balance for at least 90 days from opening the account

When you'll receive the money: The money will show up in your account within 40 days of your completing the requirements.

Citigold® Checking Account

Bonus amount: Up to $2,000

Expiration date: January 9, 2024

Who qualifies: You qualify as long as you haven't had a Citi® checking account in the last 180 days and you're 18 years old.

What you need to do:

• Open an eligible account by January 9, 2024
• To earn $200, you'll need to have a minimum deposit and minimum balance of $10,000 to $29,999 within 20 days of your account opening
• To earn $500, you'll need to have a minimum deposit and minimum balance of $30,000 to $74,999 within 20 days of your account opening
• To earn $1,000, you'll need to have a minimum deposit and minimum balance of $75,000 to $199,999 within 20 days of your account opening
• To earn $1,500, you'll need to have a minimum deposit and minimum balance of $200,000 to $299,999 within 20 days of your account opening
• To earn $2,000, you'll need to have a minimum deposit and minimum balance of $300,000 and above within 20 days of your account opening
• Maintain your balance for 60 consecutive calendar days after the 21st day from account opening
• If your balance falls to a lower tier at any point during the maintenance period, the bonus changes

When you'll receive the money: The bonus will be paid within 30 days after you successfully complete all required activities.

Citi Priority

Bonus amount: Up to $2,000

Expiration date: January 9, 2024

Who qualifies: You qualify as long as you haven't had a Citi checking account in the last 180 days and you're 18 years old.

What you need to do: 

• Open an eligible account by January 9, 2024
• To earn $200, you'll need to have a minimum deposit and minimum balance of $10,000 to $29,999 within 20 days of your account opening
• To earn $500, you'll need to have a minimum deposit and minimum balance of $30,000 to $74,999 within 20 days of your account opening
• To earn $1,000, you'll need to have a minimum deposit and minimum balance of $75,000 to $199,999 within 20 days of your account opening
• To earn $1,500, you'll need to have a minimum deposit and minimum balance of $200,000 to $299,999 within 20 days of your account opening
• To earn $2,000, you'll need to have a minimum deposit and minimum balance of $300,000 and above within 20 days of your account opening
• Maintain your balance for 60 consecutive calendar days after the 21st day from account opening
• If your balance falls to a lower tier at any point during the maintenance period, the bonus changes

When you'll receive the money: The bonus will be paid within 30 days after you successfully complete all required activities.

Huntington Bank Unlimited Plus Business Checking

Bonus amount: $1,000

Expiration date: September 7, 2023

Who qualifies: You must be a new business checking customer residing in Colorado, Illinois, Indiana, Kentucky, Michigan, Minnesota, Ohio, Pennsylvania, South Dakota, West Virginia, or Wisconsin. You aren't eligible if you're an existing Huntington business customer or have closed a Huntington business account in the last six months.

What you need to do:

• Open an eligible account by September 7, 2023, on the promotional page
• Deposit at least $20,000 of new money in the first 30 days
• Maintain a $20,000 balance for 60 days after depositing the initial cumulative amount
• Keep the account open for at least 90 days

When you'll receive the money: You should get the money within 14 days of meeting the requirements.

U.S. Bank Silver Business Checking Package

Bonus amount: $300 to $800

Expiration date: January 8, 2024

Who qualifies: You and any signer on the account must be new U.S. Bank business banking customers, and you cannot have closed a business account in the last 24 months.

What you need to do:

• Open an eligible account by January 8, 2024, using the promo code Q3AFL23
• To earn a $300 bonus, deposit at least $5,000 of new money into the account within 30 days of opening your account
• To earn a $800 bonus, deposit at least $25,000 of new money into the account within 30 days of opening your account
• Maintain your balance for 60 days after opening the account

When you'll receive the money: You'll get the money within 30 days following the last calendar day of the month you've completed the bonus requirements.

Huntington Bank Platinum Perks Checking

Bonus amount: $600

Expiration date: October 7, 2023

Who qualifies: You must open a new Huntington Bank customer to qualify. 

What you need to do: 

• Open a new account by October 7, 2023
• Deposit at least $25,000 within 60 days of opening your account and maintain a $25,000 account balance for 90 days

When you'll receive the money: The money will be deposited into your checking account within 14 days after you meet the requirements.

PNC Treasury Enterprise Plan and PNC Analysis Business Checking

Bonus amount: $500

Expiration date: September 30, 2023

Who qualifies: All signers on the account must be new PNC business checking customers. No signers can have closed a PNC business checking account in the last 90 days or received a PNC promotional bonus in the last 12 months. You're only eligible for the bonus if your annual business revenue is under $5 million. Your checking account statement cycle must be monthly, so you can't receive statements daily, weekly, or quarterly. Even if you open multiple PNC business checking accounts, you're only eligible for one bonus.

What you need to do:

• Open an eligible account by September 30, 2023, by requesting a coupon online
• Maintain a $30,000 average ledger balance for the first three statement cycles

When you'll receive the money: The $500 will be deposited into your account within 90 days of your meeting the requirements.

BMO Harris Premier Account

Bonus amount: $500

Expiration date: September 15, 2023

Who qualifies: You're not eligible if you're already a BMO Harris personal checking customer or if you've closed a personal BMO checking account in the last 12 months.

What you need to do:

• Open an eligible account by September 15, 2023; open at a branch, over the phone, or online via the digital offer page; if you want to open an account in person or over the phone, visit the offer page to enter your email address for the promo code
• Receive at least $7,500 in direct deposits in the first 90 days

When you'll receive the money: You'll get the $500 bonus roughly 100 days after opening the account.

U.S. Bank Smartly® Checking

Bonus amount: up to $500 (earn up to $1,000 total if you open Smartly Checking and Standard Savings accounts at the same time)

Expiration date: September 6, 2023

Who qualifies: You must open a new U.S. Bank Smartly Checking account online. You won't be eligible if you currently have a U.S. Bank checking account, owned a U.S. Bank checking account in the last six months, or you received a bonus from a U.S. Bank checking account in the last two years. You're eligible if you live in AZ, AR, CA, CO, ID, IL, IN, IA, KS, KY, MN, MO, MT, NE, NV, NM, NC, ND, OH, OR, SD, TN, UT, WA, WI, or WY.

What you need to do:

• Open a new account by September 6, with a minimum opening deposit of $25 and using the promotional page; if you open it anywhere other than the promotional page, use the code 2023JUL.
• Enroll in online banking or the U.S. Bank mobile app within the first 90 days of getting the account
• Make two or more direct deposits totaling $5,000 to $9,999.99 to earn $300, or $10,000 or more to earn $500

When you'll receive the money: The money will be deposited into your checking account within 60 days of meeting the requirements.

U.S. Bank Standard Savings Account

Bonus amount: up to $400 (earn up to $1,000 total if you open Smartly Checking and Standard Savings accounts at the same time)

Expiration date: September 6, 2023

Who qualifies: You must open a new U.S. Bank Standard Savings account online. You won't be eligible if you currently have a U.S. Bank savings or money market account, owned a U.S. Bank savings or money market account in the last six months, or you received a bonus from a U.S. Bank savings or money market account in the last two years. You're eligible if you live in AZ, AR, CA, CO, ID, IL, IN, IA, KS, KY, MN, MO, MT, NE, NV, NM, NC, ND, OH, OR, SD, TN, UT, WA, WI, or WY.

What you need to do:

• Open a new account by September 6, with a minimum opening deposit of $25 and using the promotional page; if you open it anywhere other than the promotional page, use the code 2023JUL.
• Make new money deposit(s) totaling $25,000 to $49,999.99 to earn $200, or $50,000 or more to earn $400 by September 30, 2023
• Maintain that balance until March 31, 2024

When you'll receive the money: The money will be deposited into your account within 30 days of verifying your savings balance.

Huntington Bank Perks Checking

Bonus amount: $400

Expiration date: October 7, 2023

Who qualifies: You must open a new Huntington Bank customer to qualify. 

What you need to do: 

• Open a new account by October 7, 2023
• Make a qualifying direct deposit within 60 days of opening your account and maintain a $1,000 account balance for 90 days

When you'll receive the money: The money will be deposited into your checking account within 14 days after you meet the requirements.

Huntington Bank Unlimited Business Checking

Bonus amount: $400

Expiration date: September 7, 2023

Who qualifies: You must be a new business checking customer residing in Colorado, Illinois, Indiana, Kentucky, Michigan, Minnesota, Ohio, Pennsylvania, South Dakota, West Virginia, or Wisconsin. You aren't eligible if you're an existing Huntington business customer, or have closed a Huntington business account in the last six months.

What you need to do:

• Open a new account by September 7, 2023, using the promotional page
• Deposit at least $5,000 of new money in the first 60 days
• Keep the account open for at least 90 days

When you'll receive the money: You should get the money within 14 days of meeting the requirements.

PNC Bank Virtual Wallet®

Bonus amount: $100 to $400

Expiration date: October 31, 2023

Who qualifies: This offer is only available in markets where there are PNC branches. You and any signer on the account must be a new PNC checking customer. You aren't eligible if you've closed a PNC checking account in the last 90 days or received a PNC promotional offer in the last 24 months.

What you need to do:

• By October 31, 2023, open a PNC Bank Virtual Wallet to earn a $100 bonus, PNC Virtual Wallet with Performance Spend to earn $200, and PNC Virtual Wallet with Performance Select to earn $400; you must apply online to qualify
• Receive a qualifying direct deposit within the first 60 days

When you'll receive the money: The money will be deposited into your account 60 to 90 days after you meet the requirements.

Capital One 360 Checking

Bonus amount: $350 bonus

Expiration date: October 18, 2023

Who qualifies: You aren't eligible if you already have a 360 Checking, Total Control Checking, Simply Checking, or Money Teen Checking account, either as a primary or secondary holder. You also cannot have had one of these accounts on or after January 1, 2021.

What you need to do:

• Open an account online with the promo code BONUS350 by October 18
• Complete two direct deposits (each must be for $250 or more) within 75 days of opening the account

When you'll receive the money: The money will be deposited into your account within 60 days after you complete the requirements.

Chase Business Complete Checking

Bonus amount: $300

Expiration date: October 19, 2023

Who qualifies: You're not eligible if you're already a signer on a Chase business checking account, government agencies or entities (local, state, or federal), not for profit organizations, political action committees, or a campaign account. You cannot have closed a Chase account in the last 90 days, or have closed a Chase account with a negative balance within the last three years. You won't qualify if you've received another Chase sign-up bonus in the last two years.

What you need to do:

• Open an eligible account by October 19, 2023; visit the Chase business checking offer page to enter your email address and receive an email with the promo code
• Deposit at least $2,000 of new money within 30 days of opening the account
• Maintain your new money balance in the account for at least 60 days after opening the account
• Complete five qualifying transactions within the first 90 days

When you'll receive the money: Chase will deposit the money into your account within 15 days of your completing the requirements.

BMO Harris Smart Advantage Checking Account and BMO Harris Smart Money

Bonus amount: $300

Expiration date: September 15, 2023

Who qualifies: You're not eligible if you're already a BMO Harris personal checking customer or if you've closed a personal BMO checking account in the last 12 months.

What you need to do:

• Open an elgible account by September 15, 2023, submitted and approved by 9:00 p.m. CT; open at a branch, over the phone, or online via the digital offer page; if you want to open an account in person or over the phone, visit this page to enter your email address for the promo code
• Receive at least $4,000 in direct deposits in the first 90 days

When you'll receive the money: You'll get the $300 bonus roughly 100 days after opening the account.

Business Premium Savings

Bonus amount: up to $300

Expiration date: September 30, 2023

Who qualifies: If you have been a primary owner of an Axos Bank or Axos Bank for Nationwide account in the last 12 months, you are not eligible for the bonus. You can only earn one business premium savings account bonus per year.

What you need to do:

• Open an eligible account using the code "NEWBPS"
• Fund the account within 60 days of opening it
• Earn $50 for each statement cycle during which you maintain an average daily balance between $20,000 and 49,999.99 or earn $100 for each statement cycle during which you maintain an average daily balance of $50,000 or greater (a maximum of three payouts can be earned during your first four statement cycles)

When you'll receive the money: The bonus will be deposited into your account within 10 business days following the end of the statement cycle in which the balance requirement was met. Your account must be open and in good standing at the time the bonus is paid to be eligible to receive the bonus and your Small Business Checking account must remain open for 120 days or an early closure fee of up to $300 may apply. 

TD Bank Beyond Checking Account

Bonus amount: $300

Expiration date: September 30, 2023

Who qualifies: You must be a new TD Bank customer to qualify.

What you need to do: 

• Open a new account 
• Receive at least $2,500 in qualifying direct deposits within 60 days of opening the account
• Keep your account open for at least 6 months

When you'll receive the money: The money will be deposited into your account around 180 days after opening the account.

Laurel Road Linked Checking℠ and Laurel Road Loyalty Checking Account

Bonus amount: $300

Expiration date: January 8, 2024

What you need to do:

• Open an eligible account by January 8, 2024; because Linked Checking is tied to your refinanced student loans, you'll need to open this account at the same time as refinancing your student loan with Laurel Road
• Make qualifying direct deposits of $2,500 or more in the first 60 days

When you'll receive the money: The $300 should hit your account within 60 days of your meeting the requirements. Note: You can only earn a bonus with one Laurel Road account, not both.

Wells Fargo Everyday Checking Account

Bonus amount: $300

Expiration date: September 26, 2023

Who qualifies: You must be a new Wells Fargo checking account customer. You aren't eligible if you've received a Wells Fargo checking bonus in the last 12 months, and you can't be a Wells Fargo employee.

What you need to do:

• Open an eligible account by September 26, 2023
• To open online, visit the bonus page; to open the account in a branch, enter your email address on the bonus page and Wells Fargo will email you a promo code to give at the branch.
• Receive at least $1,000 in direct deposits in the account within 90 days of opening it

When you'll receive the money: After the initial 90-day period ends, the money will appear in your account within 30 days.

Axos Bank Rewards Checking

Bonus amount: $300

Expiration date: December 31, 2023

Who qualifies: You must open an eligible account.

What you need to do:

• Open an Axos Bank Rewards Checking Account by December 31, 2023, using the promo code "SUNNYBONUS"
• Receive at least $7,000 in direct deposits in each calendar month during the first seven calendar months your account is open (including the month when you opened the account)
• Maintain a minimum average daily balance of $15,000 or more from September 2023, through March 2024, during the seven statement cycles 
• A maximum of six payouts of $50 for each calendar month that the account is receiving the direct deposit 

When you'll receive the money: The money will be deposited into your checking account within 10 business days following the end of the statement cycle in which the direct deposit requirement was met. You must keep your account open for at least 210 days or you'll have to pay an early closure fee of up to $300. 

SoFi Checking and Savings

Bonus amount: up to $250 with qualifying direct deposit for eligible customers (through 12/31/2023)

Expiration date: December 31, 2023

Who qualifies: If you're a new customer, set up an account and enroll in direct deposit. You're also eligible as an existing customer if you haven't already set up direct deposit.

What you need to do:

• Once you've opened your account, enroll in direct deposit
• Receive qualifying direct deposits within the 25-day evaluation period
• If direct deposits equal $1,000 to $4,999.99, you'll receive a $50 bonus
• If direct deposits come $5,000 or more during the evaluation period, you'll receive a $250 bonus
• Keep in mind, the 25-day evaluation period won't go beyond the promotion period expiration date

When you'll receive the money: The bonus will show up in your account within seven business days after the 25-day evaluation period ends.

Ally Spending Account

Bonus amount: $200

Expiration date: November, 30, 2023

Who qualifies: You must be a new customer. Ally defines a new customer as someone who doesn't currently have an Ally Spending Account or someone who hasn't owned the account in the last 12 months. You also won't be eligible for this cash bonus if you've received another cash bonus from Ally in the last year that involves a qualifying direct deposit.

What you need to do:

• Open an Ally Spending Account online using the bonus code and deposit any amount in the first 30 days
• Set up a qualifying direct deposit and receive payments totaling $1,500 or more within the first 90 days
• Keep your account open and maintain good standing 30 days after you've received the qualifying direct deposit

When you'll receive the money: You should see the money in your account within 30 days after you've received the qualifying direct deposit.

Bank of America Business Fundamentals Checking

Bonus amount: $200

Expiration date: December 31, 2023

Who qualifies: You must be a new Bank of America business banking customer. You cannot have been an owner or signer on a Business Advantage Checking Account in the last 12 months. Bank of America employees don't qualify.

What you need to do:

• Open an eligible account by December 31, 2023
• You must open an account online; visit the business checking offer page to get started
• Deposit at least $5,000 of qualifying new money into your account within 30 days of opening the account
• Maintain an average balance of at least $5,000 for the next 60 days, or days 31 through 90

When you'll receive the money: You should see the money in your account within 60 days after the 90-day maintenance period. The Bank of America website states that if they can't deposit the money directly into your account, you will receive a check.

PNC Business Checking and PNC Business Checking Plus

Bonus amount: $200

Expiration date: September 30, 2023

Who qualifies: All signers on the account must be new PNC business checking customers. No signers can have closed a PNC business checking account in the last 90 days or received a PNC promotional bonus in the last 12 months. You're only eligible for the bonus if your annual business revenue is under $5 million. Your checking account statement cycle must be monthly, so you can't receive statements daily, weekly, or quarterly. Even if you open multiple PNC business checking accounts, you're only eligible for one bonus.

What you need to do:

• Open an eligible account by September 30, 2023, by requesting a coupon online
• Maintain a $5,000 average ledger balance for the first three statement cycles
• Make 20 qualifying transactions with your PNC Visa Business Credit Card in the first three statement cycles

When you'll receive the money: The $200 should hit your account within 90 days of your meeting the requirements.

Chase Total Checking®

Bonus amount: $200

Expiration date: October 18, 2023

Who qualifies: New personal checking account customers.

What you need to do:

• Open an eligible account with a coupon code
• Set up direct deposit within 90 days after enrolling

When you'll receive the money: You'll receive the $200 within 15 days.

TD Bank Convenience Checking Account

Bonus amount: $200

Expiration date: September 30, 2023

Who qualifies: You must be a new TD Bank customer to qualify.

What you need to do: 

• Open an eligible account 
• Receive at least $500 in qualifying direct deposits within 60 days of opening the account
• Keep your account open for at least 6 months

When you'll receive the money: The money will be deposited into your account around 180 days after opening the account.

M&T Bank EZChoice Checking, M&T Bank MyChoice Plus Checking, and M&T Bank MyChoice Premium Checking

Bonus amount: $200

Expiration date: October 31, 2023

Who qualifies: You don't qualify if you're already a personal M&T checking account customer, you've closed an M&T account in the last 180 days, you've received an M&T checking bonus in the last 12 months (unless it was from the Refer Friends Program), or are an employee of M&T or its affiliates.

What you need to do:

• Open an eligible account by October 31, 2023, either online or in a branch, and request a promo code
• Make at least $500 in qualifying direct deposits (including payroll, pension, or Social Security) in the first 90 days

When you'll receive the money: The $200 will show up in your account within 90 days of completing the requirements.

Axos Bank Basic Business Checking Account and Axos Business Interest Checking

Bonus amount: up to $200

Expiration date: September 30, 2023

Who qualifies: You can only earn one checking account promotion per year. If you have had primary ownership of an Axos Bank or Axos Bank for Nationwide account in the last 12 months, you are not eligible for this bonus.

What you need to do: 

• Use promo code "NEWBPS" when opening an account
• Fund your account within 60 days of opening it
• A $25 will be earned for each statement cycle during which the average daily balance is between $5,000 and $9,999.99; $50 will be earned for each statement cycle during which the average daily balance is a minimum of $10,000 or greater ; a maximum of four payouts can be earned during the five statement cycles

When you'll receive the money: The bonus will be deposited into your account within 10 business days following the end of the statement cycle in which the balance requirement was met. Your account must be open and in good standing at the time the bonus is paid to be eligible to receive the bonus and your Small Business Checking account must remain open for 120 days or an early closure fee of up to $200 may apply. Note: You can only earn one business account bonus with Axos, not both.

Huntington Bank Business Checking 100

Bonus amount: $100

Expiration date: September 7, 2023

Who qualifies: You must be a new business checking customer residing in Colorado, Illinois, Indiana, Kentucky, Michigan, Minnesota, Ohio, Pennsylvania, South Dakota, West Virginia, or Wisconsin. You aren't eligible if you're an existing Huntington business customer, or have closed a Huntington business account in the last six months.

What you need to do:

• Open an eligible account by September 7, 2023, on the promotional page
• Deposit at least $2,000 of new money in the first 60 days
• Keep the account open for at least 90 days

When you'll receive the money: You should get the money within 14 days of meeting the requirements.

USAA Classic Checking

Bonus amount: $100

Expiration date: October 10, 2023

Who qualifies: You're not eligible if you (as the primary account holder) have or had a USAA checking account in the last 12 months. The account also isn't eligible for the bonus if it's titled as an estate, trust account, UTMA, or other fiduciary account. Your account must remain in good standing to get the bonus. 

What you need to do:

• Open a new account by October 10, 2023
• Receive a qualifying direct deposit of at least $100 in the first 180 days (if you're a civilian working for the Defense Finance Account Service, this direct deposit would not count)

When you'll receive the money: The $100 should show up in your account within 60 days of USAA processing your first direct deposit.

Alliant High-Rate Savings Account

Bonus amount: $100

Expiration date: December 31, 2023

Who qualifies: You must be a new Alliant Credit Union member. You also cannot have closed an Alliant savings account within the last 180 days.

What you need to do:

• Open an account on the Ultimate Opportunity Savings promotion page by December 31, 2023
• Deposit a minimum of $100 per month into the account for 12 consecutive months
• Maintain a minimum average daily balance of $100 throughout the 12 months
• Have a balance of at least $1,200 at the end of the 12-month period

When you'll receive the money: The $100 will show up in your account within four weeks after the 12-month period.

Chase Secure Banking℠

Bonus amount: $100

Expiration date: October 18, 2023

Who qualifies: You must be a new checking account customer.

What you need to do:

• Open an account by accessing a coupon online
• Make 10 transactions during the first 60 days 

When you'll receive the money: You'll get the money deposited into your account 15 days after you've completed 10 transactions. 

Chase College Checking℠

Bonus amount: $100

Expiration date: October 18, 2023

Who qualifies: This account is for college students ages 17 to 24. You cannot already be a Chase checking customer, have closed a Chase account in the last 90 days, or have closed a Chase account with a negative balance within the last three years. You won't qualify if you've received another Chase sign-up bonus in the last two years.

What you need to do:

• Open an account by October 18, 2023, on the promotion page
• Complete 10 qualifying transactions (including debit card purchases, online bill payments, Zelle, Chase QuickDeposit, or ACH credits) within 60 days

When you'll receive the money: The $100 will be deposited into your account within 15 days after you complete the qualifying transactions

American Express Business Checking

Bonus amount: 30,000 Membership Rewards® points after qualifying activities

Expiration date: Welcome bonus may change or end at any time. 

Who qualifies: You must be an American Express^® Basic Card Member with an American Express consumer or business credit card. Note that you won't be eligible if you have a American Express® Rewards Checking Account. 

What you need to do: 

• Open an eligible account
• Deposit $5,000 or more within the first 30 days of opening your account
• Maintain an average daily account balance of $5,000 or more for at least 60 days
• Make five or more qualifying transactions within 60 days of opening your account

When you'll receive the points: The money will be deposited into the Membership Rewards Program Account linked to your business checking account within eight to 12 weeks after you fufill the requirements. 

Bask Bank Mileage Savings Account

Bonus amount: up to 5,000 bonus AAdvantage® miles

Expiration date: November 30, 2023

Who qualifies: New Bask Mileage Savings Account customers are eligible.

What you need to do:

• Open a Bask Bank Mileage Savings Account between September 1 and November 30 and fund your account in the first 15 days
• Maintain a minimum daily balance of $25,000 for 90 consecutive days and 120 days following the account opening
• Provide an AAdvantage account number

When you'll receive the miles: Bask Bank will award your miles within 10 business days after you've met the qualifications, but it could take six to eight weeks for the miles to post to your AAdvantage® account.

Why You Should Trust Us: Experts' Advice on the Best Bank Account Bonuses

Chay Thawaranont/Insider

We consulted banking and financial planning experts to inform these picks and provide their advice on finding the best bank account bonus for your needs.

Here's what they had to say about bank account bonuses. (Some text may be lightly edited for clarity.)

What should I look for in a checking account bonus?

Mykail James, MBA, certified financial education instructor, BoujieBudgets.com:

"If you are using this bank as your main spending account, then you know that you will have less conflict with depositing money in there. It may be beneficial to look at specific things that are getting bonuses, specifically direct deposit." 

Sophia Acevedo, certified educator in personal finance, banking reporter, Personal Finance Insider:

"I would consider how much money is needed to obtain the bonus. Some banks may have several bonuses available, where you'll earn bigger bonuses for a higher account balance or direct deposit. See if a particular bonus is right for you and you're not going out of your way to qualify for it."

What should I look for in a savings account bonus?

Mykail James, MBA, CFEI:

"If it's a savings account, and you know that you have a lump sum of money that you want to put into a bank that has maybe a better rate, look at what the benefit is for putting a larger sum of money into that bank account."

Sophia Acevedo, CEPF:

"I would still pay attention to other factors that I would consider when opening a savings account, like monthly service fees or minimum balance requirements. You'll want to look at more than just the bonus."

Sophia Acevedo, CEPF

Banking Reporter

Sophia Acevedo is a banking reporter at Insider. She covers bank reviews, banking guides, and banking and savings articles for Personal Finance Insider. She is also a Certified Educator in Personal Finance (CEPF). Sophia joined Insider in July 2021 and is an alumna of California State University Fullerton where she studied journalism and minored in political science. She is based in Los Angeles.  You can reach out to her on Twitter at @sophieacvdo or email sacevedo@insider.com. Read more about how Personal Finance Insider chooses, rates, and covers financial products and services >> Below are links to some of her most popular stories:

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Evelyn He

Compliance Associate

Evelyn He is a compliance associate at Insider who supports the Personal Finance Insider team. Personal Finance Insider is Insider's personal finance section that incorporates affiliate and commerce partnerships into the news, insights, and advice about money that Insider readers already know and love. The compliance team's mission is to provide readers with stories that are fact-checked and current, so they can make informed financial decisions. The team also works to minimize risk for partners by making sure language is clear, precise, and fully compliant with regulatory and partner marketing guidelines that align with the editorial team. Before joining Insider, she served in various legal and compliance roles in different industries, including the legal and pharmaceutical industries.    Evelyn obtained her M.S. degree in Marketing at Boston University in 2022. Prior to combining and consolidating her knowledge of law and business, she spent one year finishing 1L courses at Suffolk University Law School to further her legal knowledge. She has also completed MBA business law courses while working on her Bachelor of Business Administration in Management at the University of Massachusetts, Amherst.  Outside of work, she enjoys spending time with her 14-year-old Shih Tzu named Money, and her 5-year-old Bichon named Tibber.

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