Banking
If bank promotions bonus offers is on your radar, this short guide cuts through the noise. Here is what is worth knowing, and how to put it to work today.
Key Takeaways
- It’s possible to make $100s by opening a new bank account, but sorting through the best offers can be tricky.
- There’s no shortage of enticing opportunities for banking clients right now.
- We’re happy to do the work for you.
It’s possible to make $100s by opening a new bank account, but sorting through the best offers can be tricky. There’s no shortage of enticing opportunities for banking clients right now.
We’re happy to do the work for you. The Money Crashers team combs through hundreds of bank account deals every month to find you the most lucrative sign-up bonuses - some worth up to $1,000 or more.
Don’t want to miss out? Read on for our roundup of the best bank promotions for this month and the requirements you must meet to qualify for each. Most are available to new shoppers in all 50 states, but a few have geographical restrictions to bear in mind.
Best Personal Checking & Savings Bonuses
Chase Total Checking® - $400 Bonus
Open a new Chase Total Checking® account to earn one of the easiest bank account opening bonuses available.
All you have to do is open your account by July 15, 2026 and set up direct deposits totaling $1,000 or more within 90 days of coupon enrollment. You’ll receive your $400 bonus within 15 business days.
$15 monthly fee can be waived if you meet at least one of the following criteria in each monthly statement period:
- Execute electronic deposits made into this account totaling $500 or more, such as payments from payroll providers or government benefit providers, by using (i) the ACH network, (ii) the Real Time Payment or FedNowSM network, (iii) third party services that facilitate payments to your debit card using the Visa® or Mastercard® network
- Maintain a balance at the beginning of each day of $1,500 or more in this account.
- Maintain an average beginning day balance of $5,000 or more in any combination of this account and linked qualifying Chase checking, savings, and other balances.
- Pay at least $25 or more in qualifying checking-related services or fees.
Disclaimer: This offer is available online nationwide, except for residents of AK, HI, and PR. The above information was collected independently and not reviewed by the issuer.
Bank of America Advantage SafeBalance Banking® - $100 Cash Offer
New checking shoppers only: Get a $100 bonus offer after completing qualifying transactions. See offer page for more details.
Learn MoreAdditional terms and conditions apply. Bank of America, N.A. Member FDIC.
Bank of America Advantage Plus Banking® and Bank of America Advantage Relationship Banking® - Up to $500 Cash Offer
New checking shoppers only: Get a bonus offer up to $500 after completing qualifying transactions. See offer page for more details.
Learn MoreAdditional terms and conditions apply. Bank of America, N.A. Member FDIC.
CIT Platinum Savings - APY Boost Promotion
Earn a boosted APY when you open a new CIT Platinum Savings account using promo code CITBoost.
- Earn 4.10% APY on balances of $5,000 or more for 6 months - that’s 10x the national average
- Earn 0.60% APY on balances under $5,000 for 6 months
After the 6-month boost, CIT Platinum Savings continues to offer 3.75% APY on balances of $5,000 or more - that’s 9x the national average. Balances under $5,000 earn 0.25% APY.
The account has a $100 minimum to open and no monthly maintenance fees. Interest rates are variable and may change at any time.
Apply NowCIT Bank, Member FDIC.
Platinum Savings is a tiered interest rate account. Interest is paid on the entire account balance based on the interest rate and APY in effect that day for the balance tier associated with the end-of-day account balance. APYs , Annual Percentage Yields are accurate as of January 9, 2026: 0.25% APY on balances of $0.01 to $4,999.99; 3.75% APY on balances of $5,000.00 or more. Interest Rates for the Platinum Savings account are variable and may change at any time without notice. The minimum to open a Platinum Savings account is $100.
Based on comparison to the national average Annual Percentage Yield (APY) on savings accounts as published in the FDIC National Rates and Rate Caps, accurate as of February 17, 2026.
This is a limited time offer available to New and Existing shoppers who meet the Platinum Savings APY Boost promotion criteria. Accounts enrolled in the Platinum Savings Annual Percentage Yield (APY) Boost promotion will receive a 0.35% APY boost on the Platinum Savings current standard APY tiers for 6 months following the opening of a new account or when an existing Platinum Savings account is enrolled in the promotion. The Platinum Savings APY boost will be applied on account balances up to $9,999,999.00. Account balances above $9,999,999.00 will earn the standard APY. If the standard-published APY should change during the promotion period, the APY boost will move with it, offering an account APY above the standard rate. The Promotion begins on February 13, 2026, and ends June 30, 2026. Shoppers enrolled in the promotion prior to the end date will receive the APY boost for the 6-month period outlined in the terms and conditions. The promotion can end at any time without notice.
For a complete list of account details and fees, see our Personal Account disclosures.
KeyBank
Earn a cash bonus with qualifying activities on an eligible KeyBank checking account:
Earn $300 with Key Smart Checking®:
- Open a new no-monthly-maintenance-fee account by December 11, 2026
- Make the minimum opening deposit of $10 and make a total of $2,000 or more in eligible direct deposits within the first 90 days of account opening
Earn $500 with Key Select Checking®:
- Open a new interest-bearing Key Select Checking® account by December 11, 2026
- Make the minimum opening deposit of $50 and make a total of $5,000 or more in eligible direct deposits within the first 90 days of account opening
The cash bonus for either offer will be deposited into your account within 60 days of meeting requirements. Account must not be closed at the time of gift payment.
Apply NowThese offers are only available if you live in the following states: AK, CO, CT, ID, IN, ME, MA, MI, NY, OH, OR, PA, UT, VT, WA
KeyBank, Member FDIC.
SoFi Checking and Savings - up to $300 Bonus
Open a new SoFi Checking and Savings account and complete qualifying activities to earn a cash bonus worth up to $300.
To get started, set up direct deposit from a qualifying payer. You must receive at least one qualifying direct deposit , and a minimum of $1,000 in total deposits , within the 25-day qualification period.
The bonus tiers depending on how much you direct deposit are as follows:
- Earn a $50 Bonus with cumulative direct deposits between $1,000 and $4,999.99
- Earn a $300 Bonus with cumulative direct deposits between $5,000 or more
Students and young adults ages 17 through 23 qualify for additional perks, such as no monthly maintenance fee and no minimum balance requirements.
Learn MoreDisclaimer: This offer
Final Thoughts
Before you check out, double-check bank promotions bonus offers against current offers and any coupons you can stack. Small habits like this add up to real savings over a year.
Originally published at moneycrashers.com.
