Every checking and savings bonus we track, with the exact requirements from the bank's own page. Sorted by the biggest payout.
Checking bonuses
Chase Total Checking $400 bonus
$400
- New Chase checking customers only
- Open Chase Total Checking from the offer page (offer code is applied there)
- Receive $1,000+ in direct deposits within 90 days of enrolling in the offer (Zelle and transfers don't count)
- Fees: $15/month, waived with $500+ in electronic deposits, a $1,500 daily balance, or a $5,000 average balance; no fee for the first 2 statement periods
Not eligible if you closed a Chase checking account in the last 90 days or closed one with a negative balance in the last 3 years. One checking bonus every 2 years.
Ends Oct 14, 2026 · Paid within 15 days after you meet the requirements · Checked Sep 28
SoFi Checking & Savings direct deposit bonus
$50 (for $1,000–$4,999.99 in direct deposit) or $400 (for $5,000+)
- For people who have never set up direct deposit with SoFi
- Get $1,000–$4,999.99 ($50) or $5,000+ ($400) in eligible direct deposits within 25 days of your first eligible direct deposit
- Only recurring payroll or benefits ACH counts; bank transfers and P2P don't
- Fees: No account fees
Promo runs 5/15/2026–12/31/2026; your first direct deposit must arrive by 12/31/2026.
Ends Dec 31, 2026 · Paid within 7 business days after the 25-day window · Checked Sep 28
PNC Virtual Wallet bonus
$400 (Virtual Wallet with Performance Select) or $100 (Virtual Wallet)
- Performance Select: $5,000+ in qualifying direct deposits within 60 days ($400)
- Virtual Wallet: $500+ in qualifying direct deposits within 60 days ($100)
- Fees: Performance Select $25/month (waivable); Virtual Wallet $7/month (waivable)
Not eligible if you got a PNC checking bonus in the last 24 months.
Ends Jan 7, 2027 · Paid 60–90 days after you meet the requirements · Checked Sep 28
Wells Fargo Everyday Checking $325 bonus
$325
- Open Everyday Checking from the offer page with a $25+ opening deposit
- Receive $1,000+ in qualifying electronic deposits within 90 days
- Fees: $15/month, waived with $500+ in electronic deposits, a $1,500 daily balance, or if you're 17–24 (other waivers listed)
Not eligible if you received a Wells Fargo checking bonus in the last 12 months.
Ends Oct 13, 2026 · Paid within 30 days after you meet the requirements · Checked Sep 28
Capital One 360 Checking $250 bonus
$250
- Open 360 Checking with promo code CHECKING250
- Receive 2 direct deposits of $500+ each within 75 days of opening (transfers started from Capital One's own site don't count)
- Fees: None: no monthly fees, no minimums
No stated end date. Not eligible if you had 360, Simply, or Total Control Checking on or after 1/1/2024.
No end date stated · Paid up to 60 days after the 75-day window (within ~135 days of opening) · Checked Sep 28
Savings bonuses
These pay for parking a large deposit for a few months.
Capital One 360 Performance Savings bonus (code BONUS1500)
$300 / $750 / $1,500 for $20k / $50k / $100k
- Open 360 Performance Savings with code BONUS1500
- Deposit $20,000 / $50,000 / $100,000 of external money within 15 days
- Keep it there for 90 days
- Fees: No fees
No stated end date. Not eligible if you had a Capital One savings account on or after 1/1/2024. The APY is 3.2% per Doctor of Credit (Capital One's page didn't show it in our fetch).
No end date stated · Paid within 60 days after the 90-day hold · Checked Sep 28
E*TRADE Premium Savings cash bonus (code SAVE800)
$400 (for $20,000+) or $800 (for $100,000+)
- Open Premium Savings with code SAVE800 between 9/15/2026 and 1/10/2027
- Deposit $20,000+ ($400) or $100,000+ ($800) of net-new money within 30 days
- Keep that average daily balance from day 31 through day 75
- Fees: No monthly fees
Stacks with the 4.25% APY. Estimate: $20,000 at 4.25% for 75 days earns ≈ $175 interest, on top of the $400.
Ends Jan 10, 2027 · Paid within 30 days after the maintenance period ends (~day 105) · Checked Sep 28
Chase Savings bonus
$100 (for $5k–$9,999) or $200 (for $10k+)
- Open Chase Savings from the offer page
- Deposit $5,000+ / $10,000+ of new money within 30 days
- Keep that balance for 90 days
- Fees: $5/month, waived with a $300 balance
Chase Savings pays 0.01% APY, so the money earns almost nothing while it sits. Usually beaten by E*TRADE or Capital One above.
Ends Oct 14, 2026 · Checked Sep 28
Quick answers
Are bank bonuses taxable?
Yes, they count as income: reported on a 1099-INT by Chase, Capital One and E*TRADE from Morgan Stanley, and on a 1099-MISC by SoFi. PNC and Wells Fargo don't say on the offer page, but bank bonuses are usually reported on a 1099-INT.
Which bonuses have no monthly fee?
SoFi Checking & Savings direct deposit bonus, Capital One 360 Checking $250 bonus, Capital One 360 Performance Savings bonus (code BONUS1500) and E*TRADE Premium Savings cash bonus (code SAVE800). The others charge a monthly fee unless you meet a waiver (listed on each offer above).
Step-by-step guides
We don't earn anything from these links: no affiliate or referral codes. Offers change; confirm the terms on the official page before you sign up.