15 best new bank account promotions and bonuses for July 2026: Earn up to $3,000
Bonus$50 or $400Earn $50 or $400 with eligible direct deposit. We’ve rounded up additional excellent checking account bonuses and savings account promotions below. In 2026, checking account bonus offers could land you between $100 and $3,000.
Now available nationwide, BMO is offering up to a $1,500 welcome bonus when you open a new business checking account and meet the minimum balance requirements. The Bask Mileage Savings signup offer requires you to deposit and maintain a minimum balance in order to earn the 20,000 bonus miles. You can stack this offer with their personal checking account bonus to earn a total of $800. The Business Checking signup offer requires you to deposit and maintain a minimum balance in order to earn the $750 bonus. You can stack this offer with their personal checking account bonuses to earn a lot more!
- The Citi® Double Cash Card – 18 month BT offer offer requires you to make purchases using the account’s card in order to earn the $200 + 2% Cash Back.
- The best bank bonuses for you are ones that have requirements you’re comfortable with, including the amount of time you’ll have to keep your money in the account to earn the bonus.
- The IHG One Rewards Traveler Credit Card offer requires you to make purchases using the account’s card in order to earn the 80,000 bonus points.
- Keep reading to find out answers to commonly asked questions about checking account bonuses and other bank promotions.
- You can earn a $400 cash bonus by having at least $4,000 in qualifying direct deposits within the first 90 days.
- She previously edited content on personal finance topics at GOBankingRates.
- Available nationwide, Chase Bank is offering up to a $3,000 bonus when you open or upgrade to a new Chase Private Client Checking℠ account.
Available nationwide, Baselane is a banking platform for landlords to help them manage rent collection, taxes, banking, insurance and more! While this isn’t available nationwide, it is open to a healthy list of states, and is no longer targeted to select customers. What’s more, you can maximize this promo by also opening a new personal checking account — stacking an extra $300 or $200 on top of this offer for a total of up to $500. Available nationwide with the ability to open online, J.P. To earn the highest amount in a given quarter, you’ll need to deposit and maintain at least $200,000! Available nationwide, Raisin is offering up to a whopping $1,200 welcome bonus for Summer 2026 when you open a new savings account and deposit new funds.
That includes what fees might be incurred and how long you might have to wait for the bonus to be paid. The changes haven’t directly affected bank bonuses, but it could still be a good time to open a new bank account in case savings account interest rates fall. For this bank promotions roundup, more than a dozen data points were considered per offer.
Best Bank Bonuses Without Direct Deposit Requirements – July 2026
If you opened a new Ally Bank Spending Account using promo code GET300, you will receive a confirmation email within 2-3 days after you open your account leprezone casino from Ally Bank which will include reminders of the remaining steps to earn the bonus. Set up qualifying direct deposits of at least $1,000 a month for two consecutive months. The information related to Citi checking accounts and Wells Fargo Clear Access Banking has been collected by NerdWallet and has not been reviewed or provided by the issuers or providers of these products or services.
Some of the banks currently offering checking account bonuses include SoFi, Chase, Citi, Bank of America, and TD Bank. Earn $50 or $400 when you sign up and set up eligible direct deposit after opening a new SoFi online bank account. Rewards will be transferred to your Account within ten (10) calendar days after the conclusion of the respective Eligibility Period (“Payout Window”). Rewards are paid after each Eligibility Period ends, provided all requirements for that Eligibility Period were met.
- Banks that offer a checking account bonus to new account holders include Bank of America, BMO, Capital One, Chase, Chime (a nonbank), Citibank, KeyBank, PNC Bank, SoFi Bank, N.A., TD Bank, U.S. Bank and Wells Fargo.
- Available nationwide, Barclays is offering a $200 bonus to new customers that open a new Tiered Saving account and deposit $25,000.
- Access 85,000+ surcharge-free ATMs nationwide including Publix Presto ATM locations!
- The Baselane Banking signup offer requires you to deposit and maintain a minimum balance in order to earn the $150 bonus.
- Earn $50 or $400 when you sign up and set up eligible direct deposit after opening a new SoFi online bank account.
- If you opened a new Ally Bank Spending Account using promo code GET300, you will receive a confirmation email within 2-3 days after you open your account from Ally Bank which will include reminders of the remaining steps to earn the bonus.
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More information about bank bonuses, checking account bonuses, and savings account bonuses
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BMO Bank Checking Accounts: $400 bonus
The Personal Checking signup offer requires you to make purchases using the account’s card in order to earn the $200 bonus. The Personal Checking signup offer requires you to make purchases using the account’s card in order to earn the $350 bonus. The Business Checking signup offer requires you to deposit and maintain a minimum balance in order to earn the $500 bonus. The Business Checking signup offer requires you to deposit and maintain a minimum balance in order to earn the $400 bonus. Available nationwide, Wells Fargo is offering a $400 welcome bonus when you open a new business checking account and maintain a minimum balance.
More information about bank bonuses, checking account bonuses, and savings account bonuses
New checking customers can earn up to $500 by opening a new eligible checking account, then setting up and receiving qualifying direct deposits into the new account within 90 days of account opening. Keep reading to find out answers to commonly asked questions about checking account bonuses and other bank promotions. The best bank bonuses for you are ones that have requirements you’re comfortable with, including the amount of time you’ll have to keep your money in the account to earn the bonus. ON THIS PAGEMore information about bank bonuses, checking account bonuses, and savings account bonuses One bank might deposit the funds in your new checking account, while another might send you a prepaid debit card or credit card with the amount loaded onto it.
If you currently have a Huntington Bank personal checking account, you’re listed on someone else’s account, or you closed a Huntington Bank checking account in the last six months, you can’t apply for this bonus. Cash bonus amount will be based on the total amount of Eligible Direct Deposit received within 25 calendar days of your first Eligible Direct Deposit of $1 or more. We rank the best bonuses based on the amount, requirements to earn the bonus, and account details and restrictions. We identified the 10 best checking accounts that are free to open and maintain.