Bank Bonus Boss
Updated monthly · Last updated Oct 22, 2026

Free bank bonus tracker

The 18 offers I'd point a beginner to right now, sorted easiest first. The list is updated monthly (check the “Last updated” date above), and every row shows the date I read the bank's own terms. For every offer out there plus reader data points, see Doctor of Credit.

Get your own copy of the logHow to pick your first 3

Disclosure: some links are affiliate links; I may earn a commission at no cost to you (details). Rankings are based on how easy an offer is for a beginner. Terms change, so the bank's page always wins over this table. Not financial advice.

Active bonuses

18 offers

Active bank bonuses, last updated Oct 22, 2026
What you do Direct dep.? Where Link
Chase
Total Checking
★★★		 $400
Beginner pick

New Chase checking customers: open Total Checking from the offer page, then get $1,000+ in direct deposits (paycheck, pension or government benefits) within 90 days.

Fees & fine print
Monthly fee
$15/mo. Waived with $500+ qualifying electronic deposits, OR $1,500 daily balance, OR $5,000 avg. balance, OR a linked qualifying Chase checking. First 2 statements free.
Min. deposit / spend
$1,000 total DD
Time limit
90 days from offer enrollment
Early-closure fee
None (per DoC)
Credit pull
Soft
ChexSystems / EWS
No — doesn't pull ChexSystems; uses EWS (per DoC)
Payout timing
Within 15 days after requirements are met
Notes
Not eligible if you have Chase checking now, closed one in the last 90 days, or got a Chase checking bonus in the last 2 years. Bonus is taxable (1099-INT).
 Yes Jan 27, 2027 Nationwide (DoC readers: online opening may not work in HI/AK) Offer page ↗ for Chase (opens in a new tab)Bank's public page (no commission).Terms checked Oct 22, 2026. Terms change, so verify on the bank's own page before you apply.
Capital One
360 Checking (code DEBIT250)
★★★		 $250
No paycheck needed Beginner pick

Open 360 Checking with code DEBIT250, then make 20+ debit card purchases of $10 or more within 75 days. No paycheck needed. ATM, Zelle/Venmo and ACH payments don't count.

Fees & fine print
Monthly fee
None (no monthly fee, no minimum)
Min. deposit / spend
20 debit purchases ($10+ each)
Time limit
75 days from opening
Early-closure fee
None (per DoC)
Credit pull
Soft
ChexSystems / EWS
Mixed — DoC readers say EWS-sensitive
Payout timing
Assessed after day 75; up to 135 days from opening
Notes
Not eligible if you've had 360/Simply/Total Control Checking since Jan 1, 2024. One promo code per account (pick DEBIT250, CHECKING250 or OFFER300). No printed end date; can end anytime.
 No No end date printed (can end anytime) Nationwide Offer page ↗ for Capital One (opens in a new tab)Bank's public page (no commission).Terms checked Oct 22, 2026. Terms change, so verify on the bank's own page before you apply.
Capital One
360 Checking (code OFFER300)
★★★		 $300
Beginner pick

Open 360 Checking with code OFFER300, then get 2 direct deposits of $500+ each within 75 days.

Fees & fine print
Monthly fee
None (no monthly fee, no minimum)
Min. deposit / spend
2 × $500 DD
Time limit
75 days from opening
Early-closure fee
None (per DoC)
Credit pull
Soft
ChexSystems / EWS
Mixed — DoC readers say EWS-sensitive
Payout timing
Assessed after day 75; up to 135 days from opening
Notes
Same work as CHECKING250 but pays $50 more. Same Jan 1, 2024 lookback. One promo code per account. No printed end date.
 Yes No end date printed (can end anytime) Nationwide Offer page ↗ for Capital One (opens in a new tab)Bank's public page (no commission).Terms checked Oct 22, 2026. Terms change, so verify on the bank's own page before you apply.
Capital One
360 Checking (code CHECKING250)
★★★		 $250
Beginner pick

Open 360 Checking with code CHECKING250, then get 2 direct deposits of $500+ each within 75 days.

Fees & fine print
Monthly fee
None (no monthly fee, no minimum)
Min. deposit / spend
2 × $500 DD
Time limit
75 days from opening
Early-closure fee
None (per DoC)
Credit pull
Soft
ChexSystems / EWS
Mixed — DoC readers say EWS-sensitive
Payout timing
Assessed after day 75; up to 135 days from opening
Notes
OFFER300 (row above) currently pays $50 more for the same requirement. One promo code per account. No printed end date.
 Yes No end date printed (can end anytime) Nationwide Offer page ↗ for Capital One (opens in a new tab)Bank's public page (no commission).Terms checked Oct 22, 2026. Terms change, so verify on the bank's own page before you apply.
Chime
Chime Checking (fintech; banking by partner banks)
★★★		 $100
Beginner pick

Sign up through the link, get ONE direct deposit of $200+ (payroll, gig or benefits) within 45 days, then activate your physical card within 14 days of that deposit.

Fees & fine print
Monthly fee
None
Min. deposit / spend
1 × $200 DD (single deposit)
Time limit
45 days from opening
Early-closure fee
None (per DoC)
Credit pull
None (no credit check, per Chime)
ChexSystems / EWS
Not listed (check DoC)
Payout timing
Readers report it posts right after card activation
Notes
Smaller deposits don't add up — it must be one $200+ deposit. Bank transfers, P2P and tax refunds don't count. Rolling offer, no fixed end date.
 Yes No end date printed (can end anytime) Nationwide Offer page ↗ for Chime (opens in a new tab)Bank's public page (no commission).Terms checked Oct 22, 2026. Terms change, so verify on the bank's own page before you apply.
Wells Fargo
Everyday Checking
★★★		 $325
Beginner pick

New checking customers: open with the bonus code from the offer page, then get $1,000+ in qualifying electronic deposits within 90 days.

Fees & fine print
Monthly fee
$15/mo. Waived with $500+ qualifying electronic deposits, OR $1,500 daily balance, OR $5,000 combined balances, OR age 17–24.
Min. deposit / spend
$1,000 total DD
Time limit
90 days from opening
Early-closure fee
Not listed (check DoC)
Credit pull
Soft (per DoC)
ChexSystems / EWS
Not listed (check DoC)
Payout timing
Within 30 days after requirements are met
Notes
Not eligible if you got a Wells Fargo checking bonus in the last 12 months. Open by Jan 13, 2027. (Some sites list $500; the official page shows $325.)
 Yes Jan 13, 2027 Nationwide (online) Offer page ↗ for Wells Fargo (opens in a new tab)Bank's public page (no commission).Terms checked Oct 22, 2026. Terms change, so verify on the bank's own page before you apply.
Huntington
Perks Checking
★★☆		 $400

New Huntington checking customers in eligible states: open Perks Checking with the promo code from the offer page, get $500+ in direct deposits within 90 days, and keep the account open 90 days.

Fees & fine print
Monthly fee
$10/mo. Waived with $1,000 in total monthly deposits OR $5,000 relationship balance.
Min. deposit / spend
$500 total DD
Time limit
90 days from opening
Early-closure fee
None (must stay open 90 days)
Credit pull
Soft
ChexSystems / EWS
No ChexSystems, but uses EWS (per DoC)
Payout timing
Within 14 days after requirements (incl. 90 days open)
Notes
Platinum Perks pays $600 but needs $25,000 new money. Not eligible if you closed Huntington checking in the last 12 months. DoC readers report some account locks after linking outside accounts.
 Yes Jan 15, 2027 21 states: AL AR CO FL GA IL IN KY LA MI MN MS MO NC OH PA SC TN TX WV WI Offer page ↗ for Huntington (opens in a new tab)Bank's public page (no commission).Terms checked Oct 22, 2026. Terms change, so verify on the bank's own page before you apply.
SoFi
Checking & Savings
★★☆		 up to$400

Get your first direct deposit in, then SoFi totals all direct deposits for the next 25 days: $1,000–$4,999.99 = $50; $5,000+ = $400.

Fees & fine print
Monthly fee
None
Min. deposit / spend
$1,000 for $50; $5,000 for $400 (within 25 days)
Time limit
25 days from your first DD
Early-closure fee
Unknown (DoC lists '?')
Credit pull
Soft
ChexSystems / EWS
Not listed (check DoC)
Payout timing
Within 7 business days after the 25-day window
Notes
First eligible direct deposit must arrive by Dec 31, 2027. One bonus per member, ever. Bonus is reported on 1099-MISC.
 Yes Dec 31, 2027 Nationwide Offer page ↗ for SoFi (opens in a new tab)Bank's public page (no commission).Terms checked Oct 22, 2026. Terms change, so verify on the bank's own page before you apply.
U.S. Bank
Bank Smartly Checking
★★☆		 up to$450
Ends soon

Open from the offer page, deposit $25+ within 60 days, enroll in online/mobile banking, and get 2+ direct deposits within 90 days: $2,000 = $250; $5,000 = $350; $8,000+ = $450.

Fees & fine print
Monthly fee
$12/mo. First 2 statements free; waived with $1,500+ monthly DD OR $1,500 avg. balance (other options on page).
Min. deposit / spend
$2,000 (for $250) to $8,000 (for $450)
Time limit
90 days from opening
Early-closure fee
Not listed (check DoC)
Credit pull
Soft (per DoC)
ChexSystems / EWS
Not listed (check DoC)
Payout timing
Within 30 days after requirements are met
Notes
Ends soon (Nov 10, 2026). Not eligible if you had U.S. Bank checking or a checking bonus in the last 12 months.
 Yes Nov 10, 2026 Most states (may not be available outside U.S. Bank footprint) Offer page ↗ for U.S. Bank (opens in a new tab)Bank's public page (no commission).Terms checked Oct 22, 2026. Terms change, so verify on the bank's own page before you apply.
Bank of America
Advantage Banking
★★☆		 up to$500

New checking customers: open an eligible Advantage account from the promo page, then get direct deposits within 90 days: $2,000 = $100; $5,000 = $300; $10,000+ = $500.

Fees & fine print
Monthly fee
SafeBalance $4.95, Advantage Plus $12, Relationship $25 per month; each has ways to waive (e.g. Plus: a $250+ direct deposit). See the offer page.
Min. deposit / spend
$2,000 (for $100) to $10,000 (for $500)
Time limit
90 days from opening
Early-closure fee
Not listed (check DoC)
Credit pull
Soft (per DoC)
ChexSystems / EWS
Not listed (check DoC)
Payout timing
Within 60 days after the 90-day deposit period
Notes
Open through the offer page by Jan 31, 2027. Not eligible if you owned or co-owned BofA personal checking in the last 12 months. SafeBalance for Family Banking doesn't qualify.
 Yes Jan 31, 2027 Nationwide Offer page ↗ for Bank of America (opens in a new tab)Bank's public page (no commission).Terms checked Oct 22, 2026. Terms change, so verify on the bank's own page before you apply.
PNC
Virtual Wallet
★★☆		 up to$400

Open from the offer page by Jan 7, 2027. Virtual Wallet: $500+ direct deposits in 60 days = $100. Virtual Wallet with Performance Select: $5,000+ in 60 days = $400.

Fees & fine print
Monthly fee
Virtual Wallet $7/mo; Performance Select $25/mo; both waivable (see PNC fees page).
Min. deposit / spend
$500 (for $100) or $5,000 (for $400)
Time limit
60 days from opening
Early-closure fee
Not listed (check DoC)
Credit pull
Soft (per DoC)
ChexSystems / EWS
Not listed (check DoC)
Payout timing
60–90 days after requirements are met
Notes
Not eligible if you have PNC checking, closed one in the last 12 months, or got a PNC bonus in the last 24 months.
 Yes Jan 7, 2027 Varies by location (enter your ZIP on the page) Offer page ↗ for PNC (opens in a new tab)Bank's public page (no commission).Terms checked Oct 22, 2026. Terms change, so verify on the bank's own page before you apply.
BMO
Smart Advantage Checking (or Smart Money / Relationship)
★★☆		 up to$600

Open with the promo code by Dec 15, 2026. Starting the month after opening, earn $100 for each month with $1,000+ in direct deposits, up to 6 months.

Fees & fine print
Monthly fee
Smart Advantage: $0. Smart Money: $5 ($0 under 25). Relationship: $25, waivable.
Min. deposit / spend
$1,000 DD per month
Time limit
Up to 6 months (monthly)
Early-closure fee
Not listed (check DoC)
Credit pull
Soft (per DoC)
ChexSystems / EWS
Not listed (check DoC)
Payout timing
~10 days after the start of each following month
Notes
Missing one month doesn't disqualify later months. Not eligible if you closed BMO checking in the last 12 months.
 Yes Dec 15, 2026 14 states: AZ CA CO FL IA IL IN MN NM NV OR UT WA WI Offer page ↗ for BMO (opens in a new tab)Bank's public page (no commission).Terms checked Oct 22, 2026. Terms change, so verify on the bank's own page before you apply.
Truist
Truist One Checking
★★☆		 $500

Open with the promo code from the offer page by Feb 2, 2027. Within 120 days: 2+ direct deposits totaling $2,000+ AND 20+ debit card purchases.

Fees & fine print
Monthly fee
$12/mo. Waived with $500+ DD per cycle, OR $500 combined balance, OR under 25 / 62+ (other options on page).
Min. deposit / spend
$2,000 DD + 20 debit purchases
Time limit
120 days from opening
Early-closure fee
Not listed (check DoC)
Credit pull
Soft (per DoC)
ChexSystems / EWS
Not listed (check DoC)
Payout timing
Within 10 business days after requirements are met
Notes
Not eligible if you closed Truist checking on or after Jul 14, 2025. Promo code must be applied at opening.
 Yes Feb 2, 2027 AL AR FL GA IN KY MD MS NC NJ OH PA SC TN TX VA WV DC Offer page ↗ for Truist (opens in a new tab)Bank's public page (no commission).Terms checked Oct 22, 2026. Terms change, so verify on the bank's own page before you apply.
KeyBank
Key Smart Checking / Key Select Checking
★★☆		 up to$500

Open online by Dec 11, 2026. Key Smart (code KDMA0526): $2,000+ direct deposits in 90 days = $300. Key Select (code KDMB0526): $5,000+ = $500.

Fees & fine print
Monthly fee
Smart: $0. Select: $25/mo (first 3 months free; waived with $3,000 DD per cycle or $15,000 balance).
Min. deposit / spend
$2,000 (for $300) or $5,000 (for $500)
Time limit
90 days from opening
Early-closure fee
Not listed (check DoC)
Credit pull
Soft (per DoC)
ChexSystems / EWS
Not listed (check DoC)
Payout timing
Within 60 days after requirements are met
Notes
Codes change often. Not eligible if you had KeyBank checking in the last 12 months.
 Yes Dec 11, 2026 Geographic limits; DoC: AK CO CT ID IN MA ME MI NY OH OR PA UT VT WA Offer page ↗ for KeyBank (opens in a new tab)Bank's public page (no commission).Terms checked Oct 22, 2026. Terms change, so verify on the bank's own page before you apply.
E*TRADE (Morgan Stanley)
Max-Rate Checking (code MAXRATE26)
★★☆		 $400

Open online by Jan 10, 2027 with code MAXRATE26, then get 2 direct deposits of $1,500+ each within 90 days. Fund the account within 90 days.

Fees & fine print
Monthly fee
None
Min. deposit / spend
2 × $1,500 DD
Time limit
90 days from opening
Early-closure fee
Not listed (check DoC)
Credit pull
Unknown (DoC: unknown)
ChexSystems / EWS
Not listed (check DoC)
Payout timing
On or about day 120 after opening
Notes
Not eligible if you had E*TRADE/Morgan Stanley checking in the last 12 months.
 Yes Jan 10, 2027 Nationwide (U.S. residents, online) Offer page ↗ for E*TRADE (Morgan Stanley) (opens in a new tab)Bank's public page (no commission).Terms checked Oct 22, 2026. Terms change, so verify on the bank's own page before you apply.
Fifth Third
Momentum Checking
★★☆		 $300

Get $500+ in direct deposits within 90 days of opening.

Fees & fine print
Monthly fee
Momentum: no monthly fee ($5/mo dormant fee only if no activity for 12 months)
Min. deposit / spend
$500 total DD
Time limit
90 days from opening
Early-closure fee
None listed (per DoC)
Credit pull
Soft (per DoC)
ChexSystems / EWS
Yes — pulls ChexSystems (per DoC)
Payout timing
~10 business days after requirements (per DoC)
Notes
Link is Fifth Third's account page; the bonus offer page wouldn't load today (404). Bankrate and DoC show $300; earlier this month some sources showed $350. Often needs a branch visit. Verify before opening.
 Yes Jan 4, 2027 (per DoC; not confirmed) 14 states (per DoC): AL CA FL GA IL IN KY MI NC OH SC TN TX WV Account page ↗ for Fifth Third (opens in a new tab)Bank's account page; the bonus isn't shown there. Verify first.Terms checked Oct 21, 2026. Terms change, so verify on the bank's own page before you apply.
Capital One
360 Performance Savings (code BONUS1500)
★☆☆		 up to$1,500
No paycheck needed

Open with code BONUS1500, deposit new outside money within 15 days, and hold it 90 days: $20,000 = $300; $50,000 = $750; $100,000+ = $1,500.

Fees & fine print
Monthly fee
None
Min. deposit / spend
$20,000+ new money (deposit, not DD)
Time limit
15 days to fund + 90-day hold
Early-closure fee
Not listed
Credit pull
Not listed (check DoC)
ChexSystems / EWS
Not listed (check DoC)
Payout timing
Within 60 days after the 90-day hold
Notes
Big-balance offer, not a first bonus. If your balance drops into a lower tier you get that tier's bonus. Not eligible if you've had 360 savings/money market since Jan 1, 2024.
 No No end date printed (can end anytime) Nationwide Offer page ↗ for Capital One (opens in a new tab)Bank's public page (no commission).Terms checked Oct 22, 2026. Terms change, so verify on the bank's own page before you apply.
Bask Bank
Interest Savings + Interest Checking
★☆☆		 up to$300
Other deposits count

Open BOTH accounts by Dec 31, 2026. Each month: keep a $10,000 avg. savings balance, get $2,500+ in automated deposits to checking by the 25th, and keep $100+ in checking. Earn $50/month, up to 6 months.

Fees & fine print
Monthly fee
None
Min. deposit / spend
$10,000 savings balance + $2,500/mo automated deposits
Time limit
Up to 6 statement periods
Early-closure fee
Not listed
Credit pull
Soft (per DoC)
ChexSystems / EWS
Not listed (check DoC)
Payout timing
$50 at the close of each qualifying statement period
Notes
'Alt' = recurring transfers from your own external bank count, not just paychecks. Needs $10k parked for 6 months.
 Alt Dec 31, 2026 Nationwide (online) Offer page ↗ for Bask Bank (opens in a new tab)Bank's public page (no commission).Terms checked Oct 22, 2026. Terms change, so verify on the bank's own page before you apply.

How to read this: Gold border = ★★★ easiest starters. “Direct deposit?” Yes = a paycheck, pension or government benefits; No = none needed (debit purchases or a savings deposit); Alt = other recurring deposits also count, so read the terms. “Max bonus” is the most you can earn; tiered offers explain the lower tiers in “What you do”. “Per DoC” means the info comes from Doctor of Credit readers, not the bank. The state filter uses each offer's listed states; offers marked “check your state” don't list them, so confirm on the bank's page.

Your own bonus log

The Google Sheet version has a “My Bonus Log” tab that works out each deadline and the earliest safe date to close for you. Make your own copy, add an account the day you open it, and it does the date math.

The copyable log opens soon. Join the email list below and you'll get the link the day it's ready.

Watchlist: not now

Offers that ended or end soon, offers that are targeted (not open to everyone), and offers I couldn't confirm on the bank's own page. Don't open these from here; check the bank's page first. They move back up when they're live again.

Bank / offerStatusWhy it's hereWhat to watch forLast checked
Citi
Regular Checking (Enhanced Direct Deposit offer)
 Ending soon / unverified
Listed at $325
 Couldn't read the amount on Citi's own page today. Review sites say the $325 version needs $3,000 in direct deposits in 90 days and applications close Oct 26, 2026. Watch for a new Citi checking offer after Oct 26. Bigger Citi tiers need $30,000+ balances. Oct 21, 2026
Chase
Checking + Savings combo (up to $900)
 Targeted
Listed at $900
 Doctor of Credit lists this as a targeted offer (sent to some people by email or mail), not open to everyone. The combo needs $15,000 in new savings money held for 90 days. Check your email/mail for a targeted Chase offer before opening Total Checking ($400 public offer). Oct 21, 2026
Chime (via cashback portals)
Chime through Swagbucks / MyPoints / InboxDollars
 Advanced — changes daily Portal payouts for opening Chime + a $200 direct deposit change daily, and portal tracking can fail. If you use a portal, screenshot the offer and read the portal's terms. See Doctor of Credit for current rates. Oct 21, 2026
Discover (now Capital One)
Discover Cashback Debit
 Changed / unverified Discover's checking page now shows Capital One 360 content after the merger. No public Discover bonus confirmed. Capital One 360 offers are in Active Bonuses. Oct 21, 2026
Ally Bank
$100 bonus (2024)
 Old offer / unverified A 2024 offer from an earlier Bank Bonus Boss video. Not seen in 2026 sources. Watch for a new Ally offer. Oct 21, 2026
Laurel Road
$540 checking (2024)
 Old offer / unverified A 2024 offer from an earlier Bank Bonus Boss video. Not seen in 2026 sources. Watch for a new Laurel Road offer. Oct 21, 2026
ACCU
$500 checking (2024)
 Old offer / unverified A 2024 offer from an earlier Bank Bonus Boss video. Not seen in 2026 sources. Watch for a new ACCU offer. Oct 21, 2026