The best bank bonus is the biggest one you can actually finish. Compare the cash bonus against what it asks for: direct deposit amount, any balance that must stay in the account and for how long, monthly fees, and when the bank pays. Offers we have checked against the bank's own terms are marked and listed first.
Checking and savings cash bonuses only. Reviewed offers come first because we have read the bank's terms; the rest are tracked from public sources and should be confirmed on the bank's site before you apply. A direct deposit requirement is not the same as money that must stay put.
22 offers. Data last reviewed 2026-07-07.
Open checking through the referral and maintain recurring direct deposits totaling at least $500 for 60 days. New members must meet LMCU eligibility rules.
Enroll through the invite by December 31, 2026, open eligible Ally Savings or Spending within 30 days, and complete qualifying transfers or direct deposits for three consecutive months.
Qualifying debit activity + eStatements for elevated APY tier.
Direct deposit $2k / $5k / $10k for $100 / $300 / $500.
Direct deposit $1,000 for $50, or $5,000 for the full $400 within 25 days.
Direct deposit $1,000 within 90 days of opening.
Direct deposit $500 / $2k / $5k for $100 / $200 / $400.
Direct deposits totaling $500+ within 90 days.
Two direct deposits of $500+ in 75 days. Code CHECKING250.
Hold $10,000 for 90 days (fund within 20).
Hold $30,000 for 120 days.
3 debit card purchases. No direct deposit required.
New member checking + qualifying activity. FL eligibility required.
Open Associated personal checking via referral.
Join Sunward and enter the friend code on the application, then complete the membership and account activity Sunward requires for the reward.
Open a new personal checking account through a member referral link, then complete the qualifying account activity U.S. Eagle lists in the welcome terms (typically a direct deposit or debit-card usage inside the first 60 days). Membership eligibility is New Mexico based, so confirm you qualify before applying.
Open checking + qualifying activity.
Open Wings checking via referral + qualifying activity.
Join DCU + qualifying activity.
Open OnPath checking via referral.
Referred friend opens a qualifying Wings account and completes the required activity. Wings pays the reward as a virtual Visa gift card.
Join Affinity FCU via referral.
How hard the money works while it sits there, annualized.
Raw bonus size, ignoring how much cash you have to move.
The top-ranked offer in this list, from opening the account to the bonus posting.
| Offer | Bonus | Requirement | Annualized bonus return |
|---|---|---|---|
| Lake Michigan Credit Union Max Checking | $110 cash bonus | Open checking through the referral and maintain recurring direct deposits totaling at least $500 for 60 days. New members must meet LMCU eligibility rules. | n/a |
| Ally Bank Savings + Checking | $100 cash bonus | Enroll through the invite by December 31, 2026, open eligible Ally Savings or Spending within 30 days, and complete qualifying transfers or direct deposits for three consecutive months. | n/a |
| Oregon State CU High-Rate Checking | Up to $600 / yr | Qualifying debit activity + eStatements for elevated APY tier. | n/a |
| Bank of America Advantage Banking | Up to $500 | Direct deposit $2k / $5k / $10k for $100 / $300 / $500. | n/a |
| SoFi Checking & Savings | $50 - $400 | Direct deposit $1,000 for $50, or $5,000 for the full $400 within 25 days. | n/a |
| Chase Total Checking | $400 | Direct deposit $1,000 within 90 days of opening. | n/a |
| PNC Virtual Wallet | Up to $400 | Direct deposit $500 / $2k / $5k for $100 / $200 / $400. | n/a |
| Fifth Third Momentum Checking | $350 | Direct deposits totaling $500+ within 90 days. | n/a |
| Capital One 360 Checking | $250 | Two direct deposits of $500+ in 75 days. Code CHECKING250. | n/a |
| TD Bank Signature Savings | $200 | Hold $10,000 for 90 days (fund within 20). | 6.6% |
| Barclays Tiered Savings | $200 | Hold $30,000 for 120 days. | 2.0% |
| Upgrade Rewards Checking | $200 | 3 debit card purchases. No direct deposit required. | n/a |
| Suncoast Credit Union Member Checking | $100 | New member checking + qualifying activity. FL eligibility required. | n/a |
| Associated Bank Personal Checking | Invite bonus | Open Associated personal checking via referral. | n/a |
| Sunward Credit Union Member Checking | Offer currently unavailable | Join Sunward and enter the friend code on the application, then complete the membership and account activity Sunward requires for the reward. | n/a |
| U.S. Eagle Federal Credit Union Personal Checking | $50 cash each | Open a new personal checking account through a member referral link, then complete the qualifying account activity U.S. Eagle lists in the welcome terms (typically a direct deposit or debit-card usage inside the first 60 days). Membership eligibility is New Mexico based, so confirm you qualify before applying. | n/a |
| Securityplus FCU Checking | $50 Amazon GC | Open checking + qualifying activity. | n/a |
| Wings Financial Credit Union Checking | $50 | Open Wings checking via referral + qualifying activity. | n/a |
| Digital FCU (DCU) Membership | Invite bonus | Join DCU + qualifying activity. | n/a |
| OnPath FCU Credit Union Checking | Invite bonus | Open OnPath checking via referral. | n/a |
| Wings Financial Virtual Visa Reward | $50 virtual Visa | Referred friend opens a qualifying Wings account and completes the required activity. Wings pays the reward as a virtual Visa gift card. | n/a |
| Affinity FCU Credit Union | Invite bonus | Join Affinity FCU via referral. | n/a |
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Full breakdown, steps, and charts on each page.
Ranked from the same dataset, filtered a different way.
Bonus links across banks, brokers, cards, crypto, and cashback apps. Many have not had their terms or promotion permission reviewed yet; each card says which. Churnables may earn a referral reward when you qualify through these links, and the issuer's page will show the referral code after you arrive.
Real data points from real people: which bonuses actually paid, how long the cash took, what tripped an account review, and which offers just died. Free to join, no karma requirements, and every post helps the next person get paid faster.
