$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
New bank account offers you can start today
Updated September 2026 · 65 live offers · last full review 2026-07-07
New bank account offers pay you for opening and funding an account. Most require a direct deposit or a minimum balance held for 60 to 120 days. Ranked by effective APY, the best current offers beat any savings account rate available, because the payout is fixed while the holding period is short.
This page is for the moment you have decided to open something new and want the highest paying option that fits your paycheck and your cash. Filter by whether direct deposit is required, then start with the fastest one.
Best right now
Links checked 2026-09-18The three strongest live offers on this page, checked against the real signup link before they were ranked.
- Ally Bank$100 cash
Enroll by December 31, 2026, open eligible Ally Savings or Spending within 30 days, then complete qualifying transfers or direct deposits for three consecutive months.
Get this bonus - Lake Michigan Credit Union$110 cash
Open checking through the referral and maintain recurring direct deposits totaling at least $500 for 60 days. LMCU's official terms say both sides receive $110.
Get this bonus - Wings Credit Union (Visa GC)$50 virtual Visa card each
A virtual $50 Visa gift card once your referred membership is verified. Stackable with the $100 Wings checking bonus above, so the two together are worth $150.
Get this bonus
Some of these are limited to certain states. Filter the board to yours:
Offers tracked
65
Biggest payout
$1,200
Top effective APY
284%
No direct deposit
48 offers
$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
Return on parked cash
Effective APY on these offers
Bonus divided by the money you must hold, annualized over the hold period.
Start the top APY offers
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 here
Raw bonus size, before accounting for the cash you have to move.
Start the biggest payouts
U.S. Bank$1,200MoomooUp to $1,000 in NVDACharles Schwab$100 - $1,000J.P. MorganUp to $1,000Bank of AmericaUp to $750Oregon State CUUp to $600 / yr
Buttons without a green fill go to the bank's own public offer, which is the better deal on those rows. See every bonus.
Pay for your time
Dollars per hour of actual work
Most offers here tie up no money at all, so the honest measure is what an hour of your time earns.
Read these numbers as a table
| Offer | Payout | Money tied up | Effective APY | Pay per hour |
|---|---|---|---|---|
| Oregon State CU High-Rate Checking | Up to $600 / yr | None | No capital tied up | $2,400/hr (0.3h) |
| U.S. Bank Platinum Business Checking | $1,200 | $25,000 for about 60 days | 29.2% | $2,286/hr (0.5h) |
| Charles Schwab Brokerage Account | $100 - $1,000 | $25,000 for about 365 days | 4.0% | $2,264/hr (0.4h) |
| Moomoo Brokerage + Cash Sweep | Up to $1,000 in NVDA | $30,000 for about 60 days | 20.3% | $2,000/hr (0.5h) |
| Public Investing | $20 + 1% match | $50,000 for about 60 days | 6.1% | $2,000/hr (0.3h) |
| J.P. Morgan Self-Directed Investing | Up to $1,000 | $250,000 for about 90 days | 1.6% | $1,500/hr (0.7h) |
| Bank of America Business Advantage Banking | Up to $750 | $15,000 for about 60 days | 30.4% | $1,429/hr (0.5h) |
| PNC Virtual Wallet | Up to $400 | $5,000 for about 90 days | 32.4% | $1,143/hr (0.3h) |
Work against money
Where the easy money sits
Top-left is the sweet spot: a big payout for very little work.
Each dot is one offer in America. Further left means less work; higher means more money. Bigger dots earn more on the cash you park.
Read these numbers as a table
| Offer | Payout | Money tied up | Effective APY | Pay per hour |
|---|---|---|---|---|
| U.S. Bank Platinum Business Checking | $1,200 | $25,000 for about 60 days | 29.2% | $2,286/hr (0.5h) |
| Moomoo Brokerage + Cash Sweep | Up to $1,000 in NVDA | $30,000 for about 60 days | 20.3% | $2,000/hr (0.5h) |
| Charles Schwab Brokerage Account | $100 - $1,000 | $25,000 for about 365 days | 4.0% | $2,264/hr (0.4h) |
| J.P. Morgan Self-Directed Investing | Up to $1,000 | $250,000 for about 90 days | 1.6% | $1,500/hr (0.7h) |
| Bank of America Business Advantage Banking | Up to $750 | $15,000 for about 60 days | 30.4% | $1,429/hr (0.5h) |
| Oregon State CU High-Rate Checking | Up to $600 / yr | None | No capital tied up | $2,400/hr (0.3h) |
| Bank of America Advantage Banking | Up to $500 | $10,000 for about 90 days | 20.3% | $750/hr (0.7h) |
| Public Investing | $20 + 1% match | $50,000 for about 60 days | 6.1% | $2,000/hr (0.3h) |
| Amex Blue Business Cash Credit Card | $500 statement credit | None | No capital tied up | $833/hr (0.6h) |
| BILL Spend & Expense (formerly Divvy) Business Charge Card | $500 statement credit | None | No capital tied up | $833/hr (0.6h) |
| Chase Total Checking | $400 | $1,000 for about 90 days | 162% | $533/hr (0.8h) |
| SoFi Checking & Savings | $50 - $400 | $5,000 for about 90 days | 32.4% | $686/hr (0.6h) |
Hold time on the strongest offer here
Fifth Third Momentum Checking: what waiting costs you
The same payout is worth much more when the money comes back quickly. The marked point is the offer's own stated window.
This reads high because you barely tie up any money: $500 committed for about 90 days pays $350. Annualized, that is 284%.
Read this chart as a table
| Money committed for | Effective APY | Note |
|---|---|---|
| 30 days | 852% | |
| 45 days | 568% | |
| 60 days | 426% | |
| 90 days | 284% | The offer's own stated window |
| 120 days | 213% | |
| 180 days | 142% | |
| 270 days | 94.6% | |
| 365 days | 70.0% |
Start this offer
Buttons without a green fill go to the bank's own public offer, which is the better deal on those rows. See every bonus.
Every offer at a glance
| Offer | Bonus | Requirement | Effective APY | Pay per hour | Checked |
|---|---|---|---|---|---|
| Fifth Third Momentum Checking | $350 | Direct deposits totaling $500+ within 90 days. | 284% | $1,000/hr | 2026-07-05 |
| Capital One 360 Checking | $250 | Two direct deposits of $500+ in 75 days. Code CHECKING250. | 203% | $500/hr | 2026-07-05 |
| Chase Total Checking | $400 | Direct deposit $1,000 within 90 days of opening. | 162% | $533/hr | 2026-07-05 |
| 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. | 134% | $314/hr | 2026-09-18 |
| Webull Brokerage / IRA | Up to $160 + 12 shares | First deposit $1,000+ (paid in installments), or 3% IRA match. | 97.3% | $640/hr | 2026-07-05 |
| SoFi Checking & Savings | $50 - $400 | Direct deposit $1,000 for $50, or $5,000 for the full $400 within 25 days. | 32.4% | $686/hr | 2026-07-05 |
| PNC Virtual Wallet | Up to $400 | Direct deposit $500 / $2k / $5k for $100 / $200 / $400. | 32.4% | $1,143/hr | 2026-07-05 |
| Bank of America Business Advantage Banking | Up to $750 | Hold $5k ($400) or $15k ($750) ~60 days. | 30.4% | $1,429/hr | 2026-07-05 |
| U.S. Bank Platinum Business Checking | $1,200 | Hold $25,000 new money 60 days + 6 qualifying transactions. | 29.2% | $2,286/hr | 2026-07-05 |
| Bank of America Advantage Banking | Up to $500 | Direct deposit $2k / $5k / $10k for $100 / $300 / $500. | 20.3% | $750/hr | 2026-07-05 |
| Moomoo Brokerage + Cash Sweep | Up to $1,000 in NVDA | Tiered NVDA shares by deposit + 8.1% APY sweep on cash. | 20.3% | $2,000/hr | 2026-07-05 |
| Axos Basic Business Checking | Up to $200 | Hold $3,000 avg · $50 per cycle · code START200. | 16.2% | $381/hr | 2026-07-05 |
| TD Bank Signature Savings | $200 | Hold $10,000 for 90 days (fund within 20). | 6.6% | $632/hr | 2026-07-05 |
| Public Investing | $20 + 1% match | $20 per referral · 1% uncapped transfer match. | 6.1% | $2,000/hr | 2026-07-05 |
| 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% | $2,264/hr | 2026-08-14 |
| Bask Bank Mileage Savings | 20,000 AA miles (~$280) | Hold $50,000 average balance for 90 days. | 2.3% | $884/hr | 2026-07-05 |
| Barclays Tiered Savings | $200 | Hold $30,000 for 120 days. | 2.0% | $632/hr | 2026-07-05 |
| J.P. Morgan Self-Directed Investing | Up to $1,000 | Fund new money, tiered. Top tier needs ~$250K held 90 days. | 1.6% | $1,500/hr | 2026-07-05 |
| Grasshopper Business Checking | $300 | Qualified first deposit of $100+. | No capital tied up | $706/hr | 2026-07-05 |
| Upgrade Rewards Checking | $200 | 3 debit card purchases. No direct deposit required. | No capital tied up | $800/hr | 2026-07-05 |
| Suncoast Credit Union Member Checking | $100 | New member checking + qualifying activity. FL eligibility required. | No capital tied up | $286/hr | 2026-07-05 |
| 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. | No capital tied up | $143/hr | 2026-08-14 |
| Securityplus FCU Checking | $50 Amazon GC | Open checking + qualifying activity. | No capital tied up | $143/hr | 2026-07-05 |
| Oregon State CU High-Rate Checking | Up to $600 / yr | Qualifying debit activity + eStatements for elevated APY tier. | No capital tied up | $2,400/hr | 2026-07-05 |
| 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. | No capital tied up | $286/hr | 2026-09-18 |
| American Express National Bank Rewards Checking | 20,000 Amex Membership Rewards points | Open Rewards Checking and receive qualifying direct deposits totaling the amount stated in the offer terms within the first 60 days. | No capital tied up | $571/hr | 2026-08-14 |
| Amex Blue Business Cash Credit Card | $500 statement credit | Spend $5,000 on purchases within the first 6 months. LLC, sole prop, freelancer, or side hustle all qualify. | No capital tied up | $833/hr | 2026-07-05 |
| BILL Spend & Expense (formerly Divvy) Business Charge Card | $500 statement credit | Approved for a BILL business card and post $10,000 in qualifying spend within the first 90 days. | No capital tied up | $833/hr | 2026-07-05 |
| Associated Bank Business Checking | Invite bonus | Open Associated business checking via referral. | No capital tied up | $706/hr | 2026-07-05 |
| Mercury Business Banking | Invite bonus | Open a Mercury business account through a referral. | No capital tied up | $588/hr | 2026-07-05 |
| Robinhood Brokerage / IRA | Free stock + 3% match | Free gift stock + 3% IRA transfer match with Gold. | No capital tied up | $800/hr | 2026-07-05 |
| Albert Cash Account and Investing | Up to $200 in free stock | Open an Albert account through the invite link and fund it. Free fractional shares in large American companies such as Nvidia, Alphabet (Google), Amazon and Apple are granted to the investing account. | No capital tied up | $800/hr | 2026-08-28 |
| Marcus by Goldman Sachs Online Savings | APY boost + cash | Bonus link boosts your APY plus a cash kicker. | No capital tied up | $400/hr | 2026-07-05 |
| 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. | No capital tied up | $286/hr | 2026-09-18 |
| Associated Bank Personal Checking | Invite bonus | Open Associated personal checking via referral. | No capital tied up | $286/hr | 2026-07-05 |
| Lofty Tokenized Real Estate | $100 referral reward | Open a Lofty account through an invite link and complete a first qualifying property purchase. | No capital tied up | $400/hr | 2026-08-14 |
| Tradier Brokerage | $99 | Open and fund a brokerage account. | No capital tied up | $396/hr | 2026-07-05 |
| Wise Money Transfer | Fee-free transfer | Send £500+ in first transfer. | No capital tied up | $300/hr | 2026-07-05 |
| Wings Financial Credit Union Checking | $50 | Open Wings checking via referral + qualifying activity. | No capital tied up | $143/hr | 2026-07-05 |
| Digital FCU (DCU) Membership | Invite bonus | Join DCU + qualifying activity. | No capital tied up | $200/hr | 2026-07-05 |
| OnPath FCU Credit Union Checking | Invite bonus | Open OnPath checking via referral. | No capital tied up | $143/hr | 2026-07-05 |
| Origin Financial Planning | Up to lifetime access | Refer 1-3 friends for $50 Visa GCs; 3 unlocks lifetime access. | No capital tied up | $200/hr | 2026-07-05 |
| inKind Restaurant Credit | $50 dining credit | Join inKind through the referral link and make your first restaurant order. | No capital tied up | $200/hr | 2026-08-16 |
| 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. | No capital tied up | $143/hr | 2026-08-14 |
| Shopback Cashback App | $30 signup bonus | Sign up through the link and complete a first qualifying cashback purchase. | No capital tied up | $120/hr | 2026-08-15 |
| Affinity FCU Credit Union | Invite bonus | Join Affinity FCU via referral. | No capital tied up | $100/hr | 2026-07-05 |
| Crypto.com Crypto App | Highest signup bonus | Stake CRO tier via referral. | No capital tied up | $100/hr | 2026-07-05 |
| Nexo Crypto Account | Signup bonus | Sign up + first qualifying deposit. | No capital tied up | $100/hr | 2026-07-05 |
| SoFi Active Invest Brokerage | Up to $1,000 in stock | Open a SoFi Active Invest account through an invite link and fund it. SoFi drops a slice of stock whose value is drawn from a published range, with a minimum award for a small deposit and larger awards for larger deposits. | No capital tied up | $100/hr | 2026-08-14 |
| Fundrise Real Estate Investing | $25 bonus investment | Open a Fundrise account through an invite link and make a first investment of at least $10. | No capital tied up | $100/hr | 2026-08-14 |
| Upside Gas & Grocery Cashback | Bonus + 15¢/gal | First purchase with promo code JS699. | No capital tied up | $80/hr | 2026-07-05 |
| PFS Buyers Club Deals Membership | Membership credit | Register with referral code Q6EPKOTJ. | No capital tied up | $80/hr | 2026-07-05 |
| MoneyLion Mobile Banking App | Signup reward | Join MoneyLion and enter the RoarTag during signup, then complete the qualifying account setup MoneyLion asks for. | No capital tied up | $80/hr | 2026-08-14 |
| Gopuff Delivery App Credit | $10 off each of your first two orders | Create an account through a referral link and place two qualifying orders that meet the stated minimum. | No capital tied up | $80/hr | 2026-08-14 |
| Gemini Crypto Exchange | Signup bonus | Sign up + qualifying trade. | No capital tied up | $60/hr | 2026-07-05 |
| Coinbase Crypto Exchange | $10 in BTC | Buy or sell $100 in any crypto. | No capital tied up | $40/hr | 2026-07-05 |
| Swagbucks Surveys & Shopping | Signup bonus | Sign up + first activity. | No capital tied up | $40/hr | 2026-07-05 |
| SoFi Crypto Account | Bonus crypto on first trade | Open a SoFi crypto account through an invite link and place a first qualifying trade. | No capital tied up | $40/hr | 2026-08-14 |
| SoFi Credit Score Monitoring | Free credit monitoring | Create a free SoFi Relay account through an invite link and connect one account. | No capital tied up | $40/hr | 2026-08-14 |
| Acorns Investing | $5 to start | Sign up and fund your first round-up. | No capital tied up | $20/hr | 2026-07-05 |
| Privacy.com Virtual Cards | $5 card credit | Sign up and add a funding source. | No capital tied up | $20/hr | 2026-07-05 |
| PayPal Payments | Reward shown at signup | Open the invite, link an eligible payment method, and complete the qualifying activity PayPal shows. The amount and deadline vary, so confirm both before continuing. | No capital tied up | $0/hr | 2026-09-18 |
| Capital One Shopping Browser Extension | Targeted Shopping Rewards | Install through the invite and complete the activity shown at signup. Reward amounts vary by visitor and are paid as Shopping Rewards, not cash. | No capital tied up | $0/hr | 2026-09-18 |
| Airbnb Travel Credit | Offer shown by Airbnb | Open the invite and confirm the program, reward, qualifying action, and expiration Airbnb shows. The former general guest travel-credit program is no longer a safe assumption. | No capital tied up | $0/hr | 2026-09-18 |
| Raisin Savings Marketplace | Code-based offer | Enter invite code shauna068155 if Raisin presents a referral-code field, then confirm the live deposit and holding requirements before funding. | No capital tied up | $0/hr | 2026-09-18 |
Questions people ask
How long does it take to get a new account bonus?
Typically 60 to 120 days from opening: the requirement window is usually 60 to 90 days, then the bank posts the bonus within 30 to 60 days after that. Each offer page shows its own timeline.
Do I have to keep the account open afterward?
Usually for a few months. Most terms let the bank claw the bonus back if the account closes within 90 to 180 days of the bonus posting, so plan to leave it open and empty rather than closing it immediately.
What if I already bank somewhere?
That is the normal case. You keep your existing account, route the required direct deposit to the new one for the qualifying window, then route it back. Splitting a paycheck between two banks is a standard payroll option.
Keep going
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