• Maximum bonus amount: $200
• Availability: FL, In Branch only
• Direct deposit required: Yes, $1,000+
• Additional requirements: Deposit and maintain $5k or $10k for 60 days
• Hard/soft pull: Unknown
• ChexSystems: Unknown
• Credit card funding: Unknown
• Monthly fees: $9, avoidable 
• Early account termination fee:
• Household limit: None listed 
• Expiration date: September 30, 2026

The Offer

Direct link to offer

• First Federal Bank is offering a checking bonus $200:
  • Receive qualifying direct deposit(s) totaling at least $1,000 in a single calendar month, within 60 days of opening your account

The Fine Print

• $200 Checking Bonus is available to new First Federal Bank customers who open a new personal Enhanced Checking Account through a representative at a branch or through a representative-assisted channel during the promotional period ending September 30, 2026.
• Accounts opened through the bank’s self-service online account opening process are not eligible.
• To qualify, customer must receive qualifying direct deposit(s) totaling at least $1,000 in a single calendar month within 60 days of account opening.
• Qualifying direct deposits are ACH deposits of payroll, pension, Social Security, or government benefits from an employer, pension administrator, or government agency. Person-to-person transfers, mobile payment transfers, remote deposits, ATM deposits, and transfers from other bank accounts do not qualify.
• Account must remain open, active, and in good standing for at least 90 days from account opening.
• Bonus will be credited within 30 days after all eligibility requirements are met.
• Limit one bonus per customer tax ID.
• Bonus may be subject to tax reporting.
• Offer may be subject to change at any time.
• All bank account bonuses are treated as income/interest and as such you have to pay taxes on them

Avoiding Fees

Monthly Fees

The $9 monthly account cycle service charge will be waived for any statement cycle in which 20 or more debit card purchase transactions post to the account. This promotional fee waiver is available for new First Federal Bank customers who open a new personal Enhanced Checking account through a representative at a branch or through a representative-assisted channel during the promotional period ending September 30, 2026. Accounts opened through the bank’s self-service online account opening process are not eligible.

Early Account Termination Fee

I wasn’t able to find a fee schedule.

Our Verdict

There is also a $400 business checking that can be done. 

Hat tip to ShawntheShawn

Useful posts regarding bank bonuses:

• A Beginners Guide To Bank Account Bonuses
• PSA: Don’t Call The Bank
• Introduction To ChexSystems
• Banks & Credit Unions That Are ChexSystems Inquiry Sensitive
• What Banks & Credit Unions Do/Don’t Pull ChexSystems?
• How To Calculate And Share Your ChexSystems Datapoints
• How To Use Our Direct Deposit Page For Bank Bonuses Page
• Common Bank Bonus Misconceptions + Why You Should Give Them A Go
• How Many Bank Accounts Can I Safely Open Within A Year For Bank Bonus Purposes?
• Affiliate Links & Bank Bonuses – We Won’t Be Using Them
• Complete List Of Ways To Close Bank Accounts At Each Bank
• Banks That Allow/Don’t Allow Out Of State Checking Applications
• Bank Bonus Posting Times

• Maximum bonus amount: $200-$500
• Availability: AR, TN
• Direct deposit required: Unknown
• Additional requirements: See below
• Hard/soft pull: Unknown 
• ChexSystems: Unknown
• Credit card funding: Unknown
• Monthly fees: None 
• Early account termination fee: Unknown 
• Household limit: None 
• Expiration date: None listed

The Offer

Direct link to offer

• First National Bank is offering two bonuses:
  • $200 when you open a new checking account and set up a direct deposit (no minimum mentioned) 
  • up to $500 when you open a new checking account and CD 
    • Deposit $25,000 to $49,999 and get $200
    • Deposit $50,000 to $99,999 and get $350
    • Deposit $100,000 and up and get $500

The Fine Print

• Welcome to One promotion valid at all locations.
• Offer valid as of 6/22/2026.
• Limit one per customer.
• Must be funded from outside First National Bank accounts.
• Customers must have no previous checking account relationship with First National Bank. Account evaluated and reward paid after 90 days.
• At the end of 90 day period: Accounts must be active with positive account balances, and in good standing.
• Subject to bank review and approval. Reward is subject to taxes.
• All bank account bonuses are treated as income/interest and as such you have to pay taxes on them

Avoiding Fees

Monthly Fees

You 1st Checking has no monthly fees to worry about.

Early Account Termination Fee

I wasn’t able to find a fee schedule so unsure if there is any EATF. 

Our Verdict

Not sure if the CD offer has any deposit length required. 

Hat tip to reader ShawntheShawn

Useful posts regarding bank bonuses:

• A Beginners Guide To Bank Account Bonuses
• PSA: Don’t Call The Bank
• Introduction To ChexSystems
• Banks & Credit Unions That Are ChexSystems Inquiry Sensitive
• What Banks & Credit Unions Do/Don’t Pull ChexSystems?
• How To Calculate And Share Your ChexSystems Datapoints
• How To Use Our Direct Deposit Page For Bank Bonuses Page
• Common Bank Bonus Misconceptions + Why You Should Give Them A Go
• How Many Bank Accounts Can I Safely Open Within A Year For Bank Bonus Purposes?
• Affiliate Links & Bank Bonuses – We Won’t Be Using Them
• Complete List Of Ways To Close Bank Accounts At Each Bank
• Banks That Allow/Don’t Allow Out Of State Checking Applications
• Bank Bonus Posting Times

• Maximum bonus amount: $250
• Availability: OK only
• Direct deposit required: Yes, no minimum mentioned
• Additional requirements: 1 ACH transaction, 6 debit card purchases
• Hard/soft pull: Unknown
• ChexSystems: Unknown
• Credit card funding: Unknown
• Monthly fees: None 
• Early account termination fee: Unsure
• Household limit: None listed 
• Expiration date: None 

The Offer

Direct link to offer

• Sovereign Bank is offering a $250 bonus when you open a new checking account and complete the following requirements for each month for 90 days:
  • Set up 1 direct deposit
  • Complete 1 ACH transaction
  • Make 6 PIN-based debit card purchases

The Fine Print

• Offer available for a limited time.
• To qualify for the one-time $250 bonus, customer must open a new Red, White & Rewarded Checking account and complete the following each month for the first 90 days after account opening: one (1) qualifying direct deposit, one (1) ACH transaction and six (6) PIN-based debit card transactions.
• Account requires $25 to open, is non-interest bearing, and has no minimum balance.
• Limit one bonus per customer.
• Bonus is paid within 30 days after meeting qualifications.
• Account must be open and in good standing at time of bonus payment.
• Joint accounts are considered one customer for the purposes of this promotion.
• Offer subject to change or cancellation at any time. Member FDIC.
• All bank account bonuses are treated as income/interest and as such you have to pay taxes on them

Avoiding Fees

Monthly Fees

There is a free checking account with no monthly fees to worry about.

Early Account Termination Fee

I wasn’t able to find a fee schedule so unsure if there is any EATF or not. 

Our Verdict

Hat tip to reader Bockrr

Useful posts regarding bank bonuses:

• A Beginners Guide To Bank Account Bonuses
• PSA: Don’t Call The Bank
• Introduction To ChexSystems
• Banks & Credit Unions That Are ChexSystems Inquiry Sensitive
• What Banks & Credit Unions Do/Don’t Pull ChexSystems?
• How To Calculate And Share Your ChexSystems Datapoints
• How To Use Our Direct Deposit Page For Bank Bonuses Page
• Common Bank Bonus Misconceptions + Why You Should Give Them A Go
• How Many Bank Accounts Can I Safely Open Within A Year For Bank Bonus Purposes?
• Affiliate Links & Bank Bonuses – We Won’t Be Using Them
• Complete List Of Ways To Close Bank Accounts At Each Bank
• Banks That Allow/Don’t Allow Out Of State Checking Applications
• Bank Bonus Posting Times

Post It Products link

• Staples and Staples.com is offering 100% back in point on Scotch products, up to $40.
• Valid  8/16/2026 – 8/22/26
• Requires activation.

The Fine Print

You also can get a $10 Fandango code if you purchase $25+ in Post-it products. These deals can be especially useful if you anyway need something from Staples. Remember you need to activate the offer when logged in first. 

• Maximum bonus amount: $1,200-$1,500
• Availability: Nationwide (excludes NY & FL and any other state without a branch unless you have an existing relationship). Also need to be a state farm customer. 
• Direct deposit required: None
• Additional requirements: See below
• Hard/soft pull: Soft pull
• ChexSystems: Mixed data points
• Credit card funding: Can fund up to $3,000 with a credit card
• Monthly fees: None with paperless statements
• Early account termination fee: None
• Household limit: None
• Expiration date: 9/27/2026

The Offer

Direct link to offer

• U.S. Bank is offering state farm customers a business checking bonus of up to $1,500. 
  • $1,500 bonus:
    • Open a new Platinum Business Checking account online.
    • Deposit at least $25,000 in new money within 30 days of account opening. Maintain a daily balance of at least $25,000 until the 60th day of account opening.
    • Complete six qualifying transactions within 60 days of account opening
  • $1,200 bonus: 
    • Open a new Gold Business Checking account online.
    • Deposit at least $10,000 in new money within 30 days of account opening. Maintain a daily balance of at least $10,000 until the 60th day of account opening.
    • Complete six qualifying transactions within 60 days of account opening

The Fine Print

• All bank account bonuses are treated as income/interest and as such you have to pay taxes on them

Avoiding Fees

Monthly Fees

• Gold account has a $20 monthly fee, this is waived if you:
  • U.S. Bank Payment Solutions or $10,000 average collected account balance or $20,000 combined average collected balances across all U.S. Bank business deposit accounts or $50,000 combined average collected balances and outstanding credit balances.
• Platinum account has a $30 monthly fee, this is waived if you
  •  An active U.S. Bank Payment Solutions Merchant Account or
  • $25,000 average collected checking balance $75,000 combined average collected business deposits and outstanding business credit balances

Early Account Termination Fee

There is no early account termination fee to worry about

Our Verdict

Public bonus is up to $1,500 but there is no landing page for that bonus. This is basically the same but there is a landing page and it’s only for state farm customers. I’d recommend reading the public bonus for more information. There is also a personal bonus for state farm customers for $500.

Useful posts regarding bank bonuses:

• A Beginners Guide To Bank Account Bonuses
• PSA: Don’t Call The Bank
• Introduction To ChexSystems
• Banks & Credit Unions That Are ChexSystems Inquiry Sensitive
• What Banks & Credit Unions Do/Don’t Pull ChexSystems?
• How To Calculate And Share Your ChexSystems Datapoints
• How To Use Our Direct Deposit Page For Bank Bonuses Page
• Common Bank Bonus Misconceptions + Why You Should Give Them A Go
• How Many Bank Accounts Can I Safely Open Within A Year For Bank Bonus Purposes?
• Affiliate Links & Bank Bonuses – We Won’t Be Using Them
• Complete List Of Ways To Close Bank Accounts At Each Bank
• Banks That Allow/Don’t Allow Out Of State Checking Applications
• Bank Bonus Posting Times

Update 7/19/26: Deal is back from 7/19/26-7/25/26

Update 6/21/26: Deal is back from 6/21 through 6/26 (apparently only six days this time). Hat tip to readers Ace and Penny

Update 5/23/26: Deal is back from 5/24/26-5/30/26. As always make sure to confirm in store first. 

Update 4/26/26: Deal is back 4/26 – 5/2 (ht BC)

Update 3/28/26: Deal should be back tomorrow, limit 9. Wait for confirmation from others if you don’t see signage in store.

The Offer

Direct link to offer

• Staples stores are selling $200 Mastercard gift cards with the $6.95 activation fee waived.

The Fine Print

• Limit 9 per customer per day; check with your local store to see their rules
• In-store only

Our Verdict

As always remember to use a card that earns at a high rate on office supply store purchases. Or stack with a Chase  Offer or use your Amex Business Gold for the $20 office supply credit.

Update History:

• Update 3/1/26: Offer is back 3/1 – 3/7. No ad in the store, but rang up with no fee. (ht Orc) Check with your local store to verify. 
• Update 2/1/26: Offer is back 2/1 – 2/7 (ht jPete). Double check with your local store. 
• Update 1/4/26: Offer back 1/4-1/10
• Update 12/21/25: Offer is back for 12/21 – 12/27. 
• Update 11/30/25: Deal is back for 11/30 – 12/6 (ht Jason Cho)
• Update 11/2/25: Deal is back from 11/2 – 11/8. Limit 9. (ht Jw and Stacey)
• Update 10/5/25: Deal is back from 10/5 – 10/11
• Update 9/7/25: Deal is back from 9/7 – 9/13
• Update 8/10/25: Deal is back from 8/10 to 8/16
• Update 7/13/25: Deal is back for the week of 7/13 – 7/19. (ht Chatan) Stack with Chase Offer. 
• Update 5/18/25: Deal is back from 5/18/25 – 5/24/25 (ht CreditCaper)
• Update 4/17/25: Deal is back from 4/20-4/26/25
• Update 3/20/25: Deal is back from 3/23/25 – 3/29/25. Hat tip to FM
• Update 2/20/25: Deal is back from 2/23-3/1
• Update 1/24/25: Deal is back from Sunday, 1/26/25 through Saturday, 2/1/25 (ht FM)
• Older update history can be found in this comment

• $250 for $10k deposit
• $500 for $40k deposit

Update 5/12/26: New link, but tiers are worse at:

• $250 for $10k deposit
• $500 for $30k deposit

Valid until 5/23/26. Hat tip to reader churn_and_burn

Update 4/14/25: New link, valid until 4/26/25.

Update: This seems to be a public offer for anyone in the geographical region who has a Citizens Bank checking account and savings account. This works for existing checking/savings accountholders, as well as someone who opens a new checking and/or savings account. We’ve now added the direct link below. Offer code is RSAV-635-DF.

Offer at a glance

• Maximum bonus amount: $500
• Availability: CT, DE, MA, MI, NH, NJ, NY, OH, PA, RI, VT, VA, D.C., MD, FL
• Deposit required: $10,000
• APY: 0.07% APY
• Hard/soft pull: Soft pull as long as you opt out of overdraft protection.
• ChexSystems: Mixed data points
• Credit card funding: None
• Monthly fees: Avoidable
• Early account termination fee: None
• Household limit: None
• Expiration date: Valid April 17 – April 30, 2024

The Offer

Direct Link to offer to open checking+savings | Link for existing checking customers to open savings | Link for existing checking+savings customers to make a deposit

Multiple people are reporting of the following offer from Citizens Bank:

• Citizens Bank is offering a $500 bonus when you open a new savings account and deposit $10,000 for 5 months or $250 if you deposit $5,000 for 5 months.

The Fine Print

• ¹ To Earn Bonus: You must, 1) have an existing personal checking account or open your first new personal checking account between 4/17/24 and 4/30/24 and, 2) have an existing personal savings account or open your first new personal savings account between 4/17/24 and 4/30/24 and have the required minimum total deposit (with money not currently on deposit with Citizens) post to one savings account between 4/17/24 and 4/30/24.

• For account holders with more than one savings account, the minimum total deposit amount must be made into a single savings account and funds must then remain on deposit until September 30, 2024. Deposits between $5,000-$9,999.99 will receive a $250 bonus or deposits of $10,000 or more will receive a $500 bonus.

• Qualifications: Your new or existing accounts must have a balance greater than zero and remain open and active through the payout date stated in the table below to qualify for this offer. Savings account must maintain the required balance until September 30, 2024. Money market accounts, CDs, and Citizens Access accounts are excluded.

• Eligibility: Customer will be paid only one, one-time bonus for this program. Only one savings account is eligible for a bonus. Offers may be withdrawn without notice. Offer eligibility is determined at Citizens’ sole discretion.

• Payout: Bonus will be deposited to the checking account by the date stated in the table below and will be labeled as “Balance Builder Bonus”. If your checking account is closed prior to payout date stated in the table below, then your savings account will also no longer be eligible for this offer. Bonus will be reported to the IRS for income tax purposes.

• All bank account bonuses are treated as income/interest and as such you have to pay taxes on them

Avoiding Fees

Monthly Fees

This account has no monthly fee as long as you have a Quest checking account.

For One Deposit savings account, you can maintain a $200 minimum daily balance to waive the monthly maintenance fee. No monthly maintenance fee while you’re under 25 or over 65. Account will automatically receive a waiver on the first 4 monthly maintenance fees.

Early Account Termination Fee

As far as we know there is no early account termination fee.

Our Verdict

We just saw the public $300 offer expire. This offer is bonus is better, though remember the downside in the lack of interest earning and the 5 month lockup. Still a 5% earn in just 5 months is a solid return (it equals around 12% APY) and well worth considering.

I have a Citizens Bank checking and tried to open a savings account with the online link, but am having trouble adding the savings account. I’m a bit confused how to enroll in this offer – perhaps any customer who adds $5,000/$10,000 to their savings account will get the bonus, without the need to signup for the offer in any way. Let us know if you get this to work.

Hat tip to Mark from ToP and to reader Sylvester The Lone

Useful posts regarding bank bonuses:

• A Beginners Guide To Bank Account Bonuses
• Bank Account Quick Reference Table (Spreadsheet) (very useful for sorting bonuses by different parameters)
• PSA: Don’t Call The Bank
• Introduction To ChexSystems
• Banks & Credit Unions That Are ChexSystems Inquiry Sensitive
• What Banks & Credit Unions Do/Don’t Pull ChexSystems?
• How To Use Our Direct Deposit Page For Bank Bonuses Page
• Common Bank Bonus Misconceptions + Why You Should Give Them A Go
• How Many Bank Accounts Can I Safely Open Within A Year For Bank Bonus Purposes?
• Affiliate Links & Bank Bonuses – We Won’t Be Using Them
• Complete List Of Ways To Close Bank Accounts At Each Bank
• Banks That Allow/Don’t Allow Out Of State Checking Applications
• Bank Bonus Posting Times

Update 12/10/23: Deal is back, no end date.

Update 12/3/22: Deal is back and valid until December 31, 2022. Hat tip to reader Bockrr & alopez14

Offer at a glance

• Maximum bonus amount: $200
• Availability: Long beach location
• Direct deposit required: Yes, $1,500+
• Additional requirements: See below
• Hard/soft pull: Soft pull
• Credit card funding: Unknown
• Monthly fees: $5, avoidable
• Early account termination fee: 6 months, bonus forfeit
• Expiration date: December 31, 2022

The Offer

Direct link to offer

• Southland Credit Union is offering a bonus of $300 when you open a checking account at their Long Beach location and complete the following requirements:
  • Establish direct deposit into your Long Beach Checking Account with an amount of $1,500 or more, OR,
  • Utilize our Bill Pay service to pay at least one recurring bill using your Long Beach Checking account.

The Fine Print

• $200 reward will be deposited to the Long Beach Checking account on the next available business day upon receipt of first direct deposit or first bill payment made.
• Qualifications must be met within the first 90 days of account opening to qualify for rewards.
• Qualifications include direct deposit of at least $200 or recurring use of ePay/Bill Pay, and the Long Beach Checking Account must maintain a positive balance.
• If these qualifications are not met within the first 90 days of account opening, rewards will not be paid.
• All bank account bonuses are treated as income/interest and as such you have to pay taxes on them

Avoiding Fees

Monthly Fee $5

There is a $5 monthly fee, this is waived with Direct Deposit or Use of Bill Pay every month.

Membership Fee $15

This is waived if you open the account with an initial deposit of $25 or more. You also need to work for one of the participating employers or live, work, worship or attend school in the following areas: Orange County, Artesia, Bellflower, Brentwood, Cerritos, Culver City, Downey, Downtown & West Los Angeles, Hawaiian Gardens, La Habra Heights, La Mirada, Lakewood, Long Beach, Marina Del Ray, Mar Vista, Norwalk, Pacific Palisades, Paramount, Santa Fe Springs, Santa Monica, Signal Hill, Venice. You can also join if you have an immediate family member who is already a member.

Early Account Termination Fee

6 months, bonus forfeit

Our Verdict

There is a more widely available bonus, but that is only for $175 and there are more requirements. Will add this to the highly location restrictive bonus section of the best bank bonus page.

Hat tip to Natanael

Useful posts regarding bank bonuses:

• A Beginners Guide To Bank Account Bonuses
• Bank Account Quick Reference Table (Spreadsheet) (very useful for sorting bonuses by different parameters)
• PSA: Don’t Call The Bank
• Introduction To ChexSystems
• Banks & Credit Unions That Are ChexSystems Inquiry Sensitive
• What Banks & Credit Unions Do/Don’t Pull ChexSystems?
• How To Use Our Direct Deposit Page For Bank Bonuses Page
• Common Bank Bonus Misconceptions + Why You Should Give Them A Go
• How Many Bank Accounts Can I Safely Open Within A Year For Bank Bonus Purposes?
• Affiliate Links & Bank Bonuses – We Won’t Be Using Them
• Complete List Of Ways To Close Bank Accounts At Each Bank
• Banks That Allow/Don’t Allow Out Of State Checking Applications
• Bank Bonus Posting Times

A Reddit user noticed a travel guide put out by Chase a few days ago (Direct Link) which adds a limitation on using both $250 The Edit credits back-to-back for the same property:

Please note that back-to-back stays at the same property within 24 hours of checkout are considered a single stay—only the first stay is eligible for The Edit program benefits…..
Get two $250 statement credits for prepaid bookings with a two-night minimum (back-to-back stays at the same property within 24 hours of checkout are considered a single stay, and only the first stay is eligible for the credit)

The issue is for using both $250 The Edit credits on back to back stays within 24 hours. This worked fine in the past, and they are now officially excluding it. There is no issue with using one $250 The Edit credit and one $250 IHG credit, along with some other stacks, on the same stay.

It’s not clear if they’re actually trying to exclude this in practice, or if they are just trying to avoid a problem in case the two bookings somehow get combined. We’ll have to wait for data points to see how this plays out in practice.

It should still be possible to book back-to-back stays on two separate cards, e.g. P1 and P2, or CSR and CSRB.

Update 2/28/26: Deal is back until March 31, 2026. Bonuses are $506 and $305 this time. Requirements much more difficult as it needs a $15,000/$4,000 monthly balance now. In Branch or phone only now. Hat tip to ShawntheShawn

Update 3/8/25: Deal is back until March 31, 2025. Hat tip to reader Tikky

Update 6/18/24: Terms now say they exclude sole prop

Update 5/26/24: Deal is back until September 27, 2024 and significantly better as you only need to open a basic checking account for the $500 bonus.

Offer at a glance

• Maximum bonus amount: $250/$500
• Availability: You must be a CT resident, or current USB customer, to apply online. If not CT resident, must apply in-branch.
• Direct deposit required: No
• Additional requirements: See below
• Hard/soft pull: Soft pull
• ChexSystems:  Unknown, Sensitive when applying online, not sensitive in branch
• Credit card funding: None
• Monthly fees: Avoidable
• Early account termination fee: None listed
• Household limit: None listed
• Expiration date: November 20, 2021

The Offer

Direct link to offer

• Union Savings Bank is offering a business checking bonus of up to $500. Bonuses are as follows:
  • To receive a $506 bonus, open a new Business Relationship Checking account at a Union Savings Bank branch. Maintain an average monthly balance of $15,000 or more from the first complete monthly statement (month after the account was opened) to the third complete monthly statement. 
  • To receive a $450 bonus, open a new Basic Business Checking account at a Union Savings Bank branch. Maintain an average monthly balance of $2,500 $4,000 or more and complete 15 qualifying transactions from the first complete monthly statement (month after the account was opened) to the third complete monthly statement. Qualifying transactions include deposits or withdrawals for ACH, ATM, debit card, checks, online bill payment, or wire transfers.

The Fine Print

• Receive a $250.00 bonus by opening a new Basic Business Checking account, with a minimum opening deposit of $100, and completing 10 or more qualifying electronic transactions. Minimum daily balance of $2,500 must be maintained for a 90-day period beginning on the 31st day after account opening. Qualifying electronic transactions must also occur during this same period.
• Receive a $500.00 bonus by opening a new Business Relationship Checking account or a USB Advantage Business Checking account, with a minimum opening deposit of $100, and completing 10 or more qualifying electronic transactions. Minimum daily balance of $25,000 must be maintained for a 90-day period beginning on the 31st day after account opening. Qualifying electronic transactions must also occur during this same period.
• Qualifying electronic transactions include debit card purchases, mobile deposits, ACH (credits or debits), wire transfers (debit or credits) and online bill payments.
• Offer is valid from September 29, 2021 through November 20, 2021.
• In order to be eligible, neither the business nor any of the authorized signers on the account may have an existing USB business checking account.
• Limit one bonus per business and authorized signer.
• Promotion may be canceled without notice
• . Bonus amounts will be credited to checking account between March 1, 2022 and May 1, 2022, depending on the account opening date. Account must be open and in good standing to receive bonus.
• The checking bonus is subject to 1099 IRS reporting requirements.
• All bank account bonuses are treated as income/interest and as such you have to pay taxes on them

Avoiding Fees

Monthly Fees

Basic business checking ($500 bonus)

This account has no monthly fee, if a $500 minimum daily balance is maintained.

Business relationship checking ($500 bonus)

This account has no monthly fee, if a $25,000 minimum daily balance is maintained.

Early Account Termination Fee

I wasn’t able to find any mention of an early account termination fee.

Our Verdict

Will add this to our list of the best business checking bonuses. Bonus is significantly better than before as you only need to open the basic savings account.

Useful posts regarding bank bonuses:

• A Beginners Guide To Bank Account Bonuses
• Bank Account Quick Reference Table (Spreadsheet) (very useful for sorting bonuses by different parameters)
• PSA: Don’t Call The Bank
• Introduction To ChexSystems
• Banks & Credit Unions That Are ChexSystems Inquiry Sensitive
• What Banks & Credit Unions Do/Don’t Pull ChexSystems?
• How To Use Our Direct Deposit Page For Bank Bonuses Page
• Common Bank Bonus Misconceptions + Why You Should Give Them A Go
• How Many Bank Accounts Can I Safely Open Within A Year For Bank Bonus Purposes?
• Affiliate Links & Bank Bonuses – We Won’t Be Using Them
• Complete List Of Ways To Close Bank Accounts At Each Bank
• Banks That Allow/Don’t Allow Out Of State Checking Applications
• Bank Bonus Posting Times

Update 9/1/25: Might be worth checking to see if this credit is actually being applied. Apparently it can take 1-2 billing cycles for it to show, but if you don’t want to wait you can chat again and the agent should be able to manually apply the credit. H/t comments and reddit user helveticat0

Via SD, T-Mobile is offering many people $10 monthly credits for 7 months as a retention offer for remaining with the carrier. Others are getting $20 + $20 credits or possibly other amounts.

If you were considering switching from T-Mobile this is an easy opportunity to give them another chance and try it for another few months while the discounts roll in. T-Mobile chat apparently works for this.

Terms now state ‘Applicants must reside in King County, WA’

Offer at a glance

• Maximum bonus amount: $150
• Availability: There are many easy ways to qualify for Salal membership. You can live or work in Washington state or an eligible Oregon county (Multnomah, Clackamas, Marion, Columbia, Douglas, Washington, Deschutes, Linn, or Lane). You can also qualify by being related to a member or employee of Salal Credit Union, if your employer is a Salal Foundation member, or by becoming a member by joining the Salal Foundation. (anybody can join the Salal foundation)
• Direct deposit required: None
• Additional requirements: 30 debit card transactions
• Hard/soft pull: Soft pull
• ChexSystems: Unknown
• Credit card funding: Unknown
• Monthly fees: None
• Early account termination fee: $10, 90 days
• Household limit: One
• Expiration date: 12/31/25

The Offer

Direct link to offer

• Salal Credit Union is offering a $150 bonus when you open a new checking account and complete the following requirements: 
  • Deposit $250+
  • make 10 transactions within 60 days

The Fine Print

• All Salal accounts and loans are subject to review of credit and consumer reporting information, not all will qualify.
• Must be eligible for Salal Credit Union membership.
• Offer good on new Salal checking accounts opened by 12/31/2025; Excludes Pathway and Premier Checking accounts.
• Limit one per household
• . A minimum of $25 is required to open a Salal checking account. Other fees may apply.
• Fees may reduce earnings on the account.
• See Consumer Product & Fee Disclosure and Consumer Membership & Account Agreement here for details.
• To be eligible for $150, you cannot have had a Salal checking account in the prior 6 months, the account must be open and in good standing at least 90 days, you must make at least 30 debit card transactions within the first 90 days, and you must be enrolled in eStatements. The $150 will be deposited to eligible accounts within four months of account opening. This special cash offer is subject to IRS reporting.
• All bank account bonuses are treated as income/interest and as such you have to pay taxes on them

Avoiding Fees

Monthly Fees

This account has no monthly fees to worry about

Early Account Termination Fee

There is an early account termination fee of $10 if closed within 90 days.

Our Verdict

Seems like it might be available nationwide, I suspect if that gets hit hard the bonus won’t be available for long. For ideas on how to hit the debit card requirement click here. We will add this to our list of the best bank account bonuses. 

Hat tip to ShawntheShawn

Useful posts regarding bank bonuses:

• A Beginners Guide To Bank Account Bonuses
• Bank Account Quick Reference Table (Spreadsheet) (very useful for sorting bonuses by different parameters)
• PSA: Don’t Call The Bank
• Introduction To ChexSystems
• Banks & Credit Unions That Are ChexSystems Inquiry Sensitive
• What Banks & Credit Unions Do/Don’t Pull ChexSystems?
• How To Use Our Direct Deposit Page For Bank Bonuses Page
• Common Bank Bonus Misconceptions + Why You Should Give Them A Go
• How Many Bank Accounts Can I Safely Open Within A Year For Bank Bonus Purposes?
• Affiliate Links & Bank Bonuses – We Won’t Be Using Them
• Complete List Of Ways To Close Bank Accounts At Each Bank
• Banks That Allow/Don’t Allow Out Of State Checking Applications
• Bank Bonus Posting Times

Both Advocate and Friend must be over the age of 18 to qualify for the reward. Advocate must be a primary member of LMCU in good standing with a valid email address on file and refer an eligible prospect (Friend) to LMCU. Friend must open a qualified LMCU membership with checking account using Advocate’s referral link and meet the program criteria. The Friend must hold two or more recurring direct deposit(s) totaling $500.00 or more for 60 days. Following qualification, LMCU will deposit $110 into the Advocate’s primary savings account and $110 into the Friend’s primary savings account within 14 business days.

Update 7/15/26; Both Advocate and Friend must be over the age of 18 and a permanent resident of Michigan or Florida to qualify for the reward.

WARNING: It looks like LMCU is approving accounts, then restricting them. Says that accounts opened from 2nd and 6th will be closed due to some sort of “system error”. Reps then state you are free to reapply but you won’t be eligible for the $250 referral bonus due to having a closed account within the last 180 days. Removing this from the best bank account bonus page. 

Update 7/2/26: Bonus has been increased to $250 from $100. Referral thread is open, please do not share your referrals in the comments below. Note that I wouldn’t use your normal e-mail (or the e-mail you use on doctor of credit) to sign up for LMCU as it’s basically revealed with your referral link, make sure it’s something secure though. 

Offer at a glance

• Maximum bonus amount: $100
• Availability: $5 donation to ALS works for anybody to join. Out of state requires appointment to open account.
• Direct deposit required: Yes, two or more recurring direct deposits totaling $500 or more for 60 days
• Additional requirements: See below
• Hard/soft pull: Soft pull
• ChexSystems: Mixed reports
• Credit card funding: $500 (Previously it was $15,000)
• Monthly fees: None
• Early account termination fee: None
• Household limit: none
• Expiration date: April 4, 2025

The Offer

Direct link to offer

• Lake Michigan Credit Union is offering a $110 referral bonus when you open a new checking account and complete the following requirements:
  • Your friend opens an LMCU checking account and holds two or more recurring direct deposits totaling $500 or more for 60 days.

The Fine Print

• All bank account bonuses are treated as income/interest and as such you have to pay taxes on them

Avoiding Fees

Monthly Fees

This account has no monthly fees

Early Account Termination Fee

Unsure if there is any EATF.

Our Verdict

You can find and share your referral links here. Requirements are relatively easy to meet but it’s a hard pull. Probably worth doing if you can refer a few people.

Hat tip to reader scott

Useful posts regarding bank bonuses:

• A Beginners Guide To Bank Account Bonuses
• Bank Account Quick Reference Table (Spreadsheet) (very useful for sorting bonuses by different parameters)
• PSA: Don’t Call The Bank
• Introduction To ChexSystems
• Banks & Credit Unions That Are ChexSystems Inquiry Sensitive
• What Banks & Credit Unions Do/Don’t Pull ChexSystems?
• How To Use Our Direct Deposit Page For Bank Bonuses Page
• Common Bank Bonus Misconceptions + Why You Should Give Them A Go
• How Many Bank Accounts Can I Safely Open Within A Year For Bank Bonus Purposes?
• Affiliate Links & Bank Bonuses – We Won’t Be Using Them
• Complete List Of Ways To Close Bank Accounts At Each Bank
• Banks That Allow/Don’t Allow Out Of State Checking Applications
• Bank Bonus Posting Times

Update 7/6/26: Code STARSPANGLEDFAST for $5 credit (ht Astoria)

Update 5/14/26: New codes for May 14th only (ht Phil and smogs):

• $5 – MEMORIALDRIVE5DR
• $10 – MEMORIALDRIVE10DR
• $5 – MEMORIALDRIVE5DU

Update 4/17/26: New code for $10: UBER26

Update 4/12/26: New code for $5: CHARGEINTOSPRING

Update 3/31/26: New codes for $5 each:

• 5SPRING
• SPRING5

Update 12/19/25: New code is Holidaycharge5DU or HOLIDAYCHARGE5DR for $5. HOLIDAYCHARGE10DR for $10

Update 11/27/25: New code is WINTERDRIVE10DR for $10 & WINTERDRIVE5DR for $5

Update 8/26/25: New code LABOR25

Update 8/20/25: Another code is ROUTINE5

The Offer

Direct link to offer

• EVgo is offering $5 in EV charging credit when you add promo code BACKTOSCHOOL5

Our Verdict

Never used this app before, but useful if you have an EV and want to give it a go. Not sure if they frequently offer promo codes or not. 

No direct link to offer

• Capital One is offering some Discover cardholders $10 back when you spend $25+ on Amazon. Valid until 8/22/26

Our Verdict

Nice deal if you’re targeted. You can find more Amazon deals by clicking here.