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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.
If these qualifications are met, your bonus will be paid to your account within 120 days from account opening. However, in order to earn the bonus, you usually have to meet a few requirements. BONUS EARNED will be paid within 120 days from account opening One bonus per customer and only one bonus paid per account. To be paid, make sure you keep your Spending Account open and in Good Standing through the payout. If you’ve followed the eligibility requirements, your cash bonus will be paid into your Spending Account within 30 days after you reach the second consecutive monthly $1,000 QDD minimum.
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!
What do the best bank bonuses have in common?
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
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 The Platinum Card® from American Express offer requires you to make purchases using the account’s card in order to earn the 175,000 bonus points. The Fifth Third Preferred Cash/Back Card offer requires you to make purchases using the account’s card in order to earn the 2% Cash Back. 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. The Capital One Quicksilver Cash Rewards Credit Card offer requires you to make purchases using the account’s card in order to earn the $200 bonus. In addition to bank promotions, another way to earn bonus cash without needing to set up direct deposit is to explore credit card offers.
What are bank promotions and bonus offers?
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.
000 Surcharge-free ATMs
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.
Available in select midwestern states, Central Bank of the Midwest is offering a $500 welcome bonus when you open a new business checking account and maintain a minimum balance. Available to residents within their footprint, First Commonwealth Bank is offering a $200 welcome bonus when you open a new personal checking account and set up direct deposit. Available to Arizona leprezone casino residents, OneAZ is offering a $350 welcome bonus when you open a new personal checking account and use your debit card. If you live in one of their geographic areas, this is an easy bonus for opening a business checking account that has no monthly fees. CitiBusiness if offering up to $2,000 when you open a new business checking account in-branch and make a minimum deposit within 30 days.
- For this bank promotions roundup, more than a dozen data points were considered per offer.
- If you’ve followed the eligibility requirements, your cash bonus will be paid into your Spending Account within 30 days after you reach the second consecutive monthly $1,000 QDD minimum.
- Keep in mind that some of these accounts are available nationwide, while others might only be offered in the states in which the bank operates physical branches.
- Available nationwide with the ability to open online, J.P.
- The Barclays Tiered Savings signup offer requires you to deposit and maintain a minimum balance in order to earn the $200 bonus.
- Some of the banks currently offering checking account bonuses include SoFi, Chase, Citi, Bank of America, and TD Bank.
You may have to meet certain requirements to qualify for bank bonuses. For example, if a bank offers a new checking account bonus of $150 but you don’t maintain the required minimum balance, you could incur a monthly fee. But before you take the plunge, it’s important to make sure you understand what bank promotions are and how they work to help you know if they are worth your while Any of our consumer checking accounts are eligible for this bonus offer. You must make at least $1,000 in deposits within 90 days of account opening1 Access 85,000+ surcharge-free ATMs nationwide including Publix Presto ATM locations!
- The Business Checking signup offer requires you to deposit and maintain a minimum balance in order to earn the $400 bonus.
- Neither TD Bank US Holding Company, nor its subsidiaries or affiliates, is responsible for the content of the third-party sites hyperlinked from this page, nor do they guarantee or endorse the information, recommendations, products or services offered on third party sites.
- 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.
- Get paid sooner Access your money up to 2 days sooner than payday with early paycheck.
- 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.
- Rewards are paid after each Eligibility Period ends, provided all requirements for that Eligibility Period were met.
Choose your new checking account bonus
Tony began his NerdWallet career as a writer and worked his way up to editor and then to head of content on the banking team. She previously edited content on personal finance topics at GOBankingRates. Ruth Sarreal is an editor and content strategist covering consumer banking topics at NerdWallet. Once you have met all requirements, we will deposit the bonus into your new account within 30 calendar days. You must open a new, eligible checking account and make $1,000 or more in qualifying direct deposits within the first 90 days of offer enrollment. Make $1,000 or more in qualifying direct deposits within the first 90 days of offer enrollment.
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