$350
284% APY
1,000/hr for your time
Direct deposits totaling $500+ within 90 days.
Ease 7/10 · ~10 business daysNo expiration
Direct depositDetails
284% effective APY
$500 committed, about 90 days
Highest effective APY bank bonuses
Effective APY is the honest way to compare bonuses: divide the bonus by the balance you must hold, then annualize it over the hold period. A $300 bonus on $5,000 held for 90 days is roughly 24% effective APY, which is far better than any savings account.
A big headline number is not the same as a good deal. What matters is how much money you tie up and for how long. Sorted by effective APY, the ranking often looks nothing like the ranking by headline cash.
18 offers. Data last reviewed 2026-07-07.
$250
203% APY
500/hr for your time
Two direct deposits of $500+ in 75 days. Code CHECKING250.
Ease 7/10 · ~60 daysNo expiration
Direct depositDetails
203% effective APY
$500 committed, about 90 days
$400
162% APY
533/hr for your time
Direct deposit $1,000 within 90 days of opening.
Ease 7/10 · ~15 days after DDEnds in 8d
Direct depositDetails
162% effective APY
$1,000 committed, about 90 days
$110 cash bonus
134% APY
314/hr for your time
Open checking through the referral and maintain recurring direct deposits totaling at least $500 for 60 days. New members must meet LMCU eligibility rules.
Ease 7/10 · after the 60-day qualification periodNo expiration
Direct depositDetails
134% effective APY
$500 committed, about 60 days
Up to $160 + 12 shares
97.3% APY
640/hr for your time
First deposit $1,000+ (paid in installments), or 3% IRA match.
Ease 7/10 · installmentsAug 15, 2026
Bonus / matchDetails
97.3% effective APY
$1,000 committed, about 60 days
$50 - $400
32.4% APY
686/hr for your time
Direct deposit $1,000 for $50, or $5,000 for the full $400 within 25 days.
Ease 8/10 · 2-4 weeks after DD postsDec 31, 2026
Direct depositDetails
32.4% effective APY
$5,000 committed, about 90 days
Up to $400
32.4% APY
1,143/hr for your time
Direct deposit $500 / $2k / $5k for $100 / $200 / $400.
Ease 6/10 · 60-90 daysAug 31, 2026
Direct depositDetails
32.4% effective APY
$5,000 committed, about 90 days
Up to $750
30.4% APY
1,429/hr for your time
Hold $5k ($400) or $15k ($750) ~60 days.
Ease 4/10 · ~60 daysNo expiration
Hold balanceDetails
30.4% effective APY
$15,000 committed, about 60 days
$1,200
29.2% APY
2,286/hr for your time
Hold $25,000 new money 60 days + 6 qualifying transactions.
Ease 3/10 · ~30 days afterAug 30, 2026
Hold balanceDetails
29.2% effective APY
$25,000 committed, about 60 days
Up to $500
20.3% APY
750/hr for your time
Direct deposit $2k / $5k / $10k for $100 / $300 / $500.
Ease 6/10 · ~60 daysSep 30, 2026
Direct depositDetails
20.3% effective APY
$10,000 committed, about 90 days
Up to $1,000 in NVDA
20.3% APY
2,000/hr for your time
Tiered NVDA shares by deposit + 8.1% APY sweep on cash.
Ease 6/10 · variesNo expiration
Bonus / matchDetails
20.3% effective APY
$30,000 committed, about 60 days
Up to $200
16.2% APY
381/hr for your time
Hold $3,000 avg · $50 per cycle · code START200.
Ease 6/10 · per cycleAug 30, 2026
Hold balanceDetails
16.2% effective APY
$3,000 committed, about 150 days
$200
6.6% APY
632/hr for your time
Hold $10,000 for 90 days (fund within 20).
Ease 5/10 · ~90 daysJul 30, 2026
Hold balanceDetails
6.6% effective APY
$10,000 committed, about 110 days
$20 + 1% match
6.1% APY
2,000/hr for your time
$20 per referral · 1% uncapped transfer match.
Ease 8/10 · after depositNo expiration
Bonus / matchDetails
6.1% effective APY
$50,000 committed, about 60 days
$100 - $1,000
4.0% APY
2,264/hr for your time
Open through a Schwab client referral link and net deposit new money: $25,000 for $100, $50,000 for $300, $100,000 for $500, or $500,000 for $1,000. The deposit must be new money to Schwab and must stay for the qualifying period.
Ease 8/10 · roughly 45 days after the deposit clearsNo expiration
Hold balanceDetails
4.0% effective APY
$25,000 committed, about 365 days
20,000 AA miles (~$280)
2.3% APY
884/hr for your time
Hold $50,000 average balance for 90 days.
Ease 3/10 · after 120 daysAug 31, 2026
Hold balanceDetails
2.3% effective APY
$50,000 committed, about 90 days
$200
2.0% APY
632/hr for your time
Hold $30,000 for 120 days.
Ease 4/10 · ~60 days afterJul 31, 2026
Hold balanceDetails
2.0% effective APY
$30,000 committed, about 120 days
Up to $1,000
1.6% APY
1,500/hr for your time
Fund new money, tiered. Top tier needs ~$250K held 90 days.
Ease 5/10 · ~15 days after qualifyingEnds in 14d
Hold balanceDetails
1.6% effective APY
$250,000 committed, about 90 days
Return on parked cash
Effective APY in this list
How hard the money works while it sits there, annualized.
Claim the top APY offers here
Fifth Third$350Capital One$250Chase$400Lake Michigan Credit Union$110 cash bonusWebullUp to $160 + 12 sharesSoFi$50 - $400
Buttons without a green fill go to the bank's own public offer, which is the better deal on those rows. See every bonus.
Headline dollars
Biggest payouts in this list
Raw bonus size, ignoring how much cash you have to move.
Claim the biggest payouts here
U.S. Bank$1,200MoomooUp to $1,000 in NVDACharles Schwab$100 - $1,000J.P. MorganUp to $1,000Bank of AmericaUp to $750Bank of AmericaUp to $500
Buttons without a green fill go to the bank's own public offer, which is the better deal on those rows. See every bonus.
How fast the money lands
Timeline: Fifth Third Momentum Checking
The top-ranked offer in this list, from opening the account to the bonus posting.
- 1Day 0Open the account$0 to start · DD account
- 2~Day 15Route a direct depositDirect deposits totaling $500+ within 90 days.
- 3~Day 29Bonus posts - $350~10 business days. Cash lands in the account you just opened.
Start this one
Buttons without a green fill go to the bank's own public offer, which is the better deal on those rows. See every bonus.
At a glance
| Offer | Bonus | Requirement | Effective APY |
|---|---|---|---|
| Fifth Third Momentum Checking | $350 | Direct deposits totaling $500+ within 90 days. | 283.9% |
| Capital One 360 Checking | $250 | Two direct deposits of $500+ in 75 days. Code CHECKING250. | 202.8% |
| Chase Total Checking | $400 | Direct deposit $1,000 within 90 days of opening. | 162.2% |
| 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. | 133.8% |
| Webull Brokerage / IRA | Up to $160 + 12 shares | First deposit $1,000+ (paid in installments), or 3% IRA match. | 97.3% |
| SoFi Checking & Savings | $50 - $400 | Direct deposit $1,000 for $50, or $5,000 for the full $400 within 25 days. | 32.4% |
| PNC Virtual Wallet | Up to $400 | Direct deposit $500 / $2k / $5k for $100 / $200 / $400. | 32.4% |
| Bank of America Business Advantage Banking | Up to $750 | Hold $5k ($400) or $15k ($750) ~60 days. | 30.4% |
| U.S. Bank Platinum Business Checking | $1,200 | Hold $25,000 new money 60 days + 6 qualifying transactions. | 29.2% |
| Bank of America Advantage Banking | Up to $500 | Direct deposit $2k / $5k / $10k for $100 / $300 / $500. | 20.3% |
| Moomoo Brokerage + Cash Sweep | Up to $1,000 in NVDA | Tiered NVDA shares by deposit + 8.1% APY sweep on cash. | 20.3% |
| Axos Basic Business Checking | Up to $200 | Hold $3,000 avg · $50 per cycle · code START200. | 16.2% |
| TD Bank Signature Savings | $200 | Hold $10,000 for 90 days (fund within 20). | 6.6% |
| Public Investing | $20 + 1% match | $20 per referral · 1% uncapped transfer match. | 6.1% |
| Charles Schwab Brokerage Account | $100 - $1,000 | Open through a Schwab client referral link and net deposit new money: $25,000 for $100, $50,000 for $300, $100,000 for $500, or $500,000 for $1,000. The deposit must be new money to Schwab and must stay for the qualifying period. | 4.0% |
| Bask Bank Mileage Savings | 20,000 AA miles (~$280) | Hold $50,000 average balance for 90 days. | 2.3% |
| Barclays Tiered Savings | $200 | Hold $30,000 for 120 days. | 2.0% |
| J.P. Morgan Self-Directed Investing | Up to $1,000 | Fund new money, tiered. Top tier needs ~$250K held 90 days. | 1.6% |
Keep going
Top offers on this list
Full breakdown, steps, and charts on each page.
Related lists
Ranked from the same dataset, filtered a different way.
Compare two of these
- Capital One 360 Checking vs Fifth Third Momentum Checking$250 vs $350
- Chase Total Checking vs Fifth Third Momentum Checking$400 vs $350
- Fifth Third Momentum Checking vs Lake Michigan Credit Union Max Checking$350 vs $110 cash bonus
- Fifth Third Momentum Checking vs SoFi Checking & Savings$350 vs $50 - $400
- Fifth Third Momentum Checking vs PNC Virtual Wallet$350 vs Up to $400
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