Continuing our exploration into the lucrative world of bank bonuses, we bring to you the next installment in our series. After diving into the details of the $1,000, $500, and $400 bank bonuses, we now set our sights on the equally enticing $300 bank bonus. Think of this post as the latest sequel in our series, providing insights into these attractive banking deals.
READ MORE: SEE THE FULL LIST OF THE BEST BANK BONUSES.
The Appeal of $300
While the $1,000, $500, and $400 bonuses come with their set of advantages and requirements, the $300 bank bonus is unique in its own right. For those looking for a substantial incentive without necessarily committing to high deposit requirements, this might be the ideal fit.
Factors to Ponder
As with any financial incentive, several elements warrant consideration:
- Minimum Deposit Requirement: Is the deposit threshold for this bonus within your comfort range?
- Account Type: Some bonuses may apply only to specific account types, such as checking, savings, or business accounts.
- Duration to Maintain Balance: Understanding how long you need to sustain a particular balance is crucial.
- Account Features: Beyond the bonus, what other perks or benefits does the bank offer that resonate with your banking needs?
Why Opt for a $300 Bonus?
A $300 bonus can be a lucrative incentive for many. Whether you’re looking to supplement your income, treat yourself, or save up for a future expense, an extra $300 can make a significant difference.
Selecting the Perfect Offer
It’s always a wise move to look beyond just the bonus amount. Weigh the account’s long-term benefits and requirements to ensure it aligns with your financial objectives.
The Best $300 Offers
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BMO $400 Checking Cash Bonus*
How To Earn The Bonus:
- Open a New Account: Choose between the BMO Smart Advantage Checking account or BMO Smart Money Checking account during the promotional period, from May 5, 2025 to September 8, 2025.
- Complete Qualifying Activities: Make sure you have at least $4,000 in qualifying direct deposits within the first 90 days to qualify for the $400 cash bonus*.
- Offer Availability: This promotion is available nationwide, so anyone in the U.S. can participate.
*Conditions apply and other offers may be available. Provided in the U.S. BMO Bank N.A. Member FDIC
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Chase Total Checking® $300 Offer
How To Earn The Bonus:
- New Chase checking customers enjoy a $300 bonus when you open a Chase Total Checking® account and make direct deposits totaling $500 or more within 90 days of coupon enrollment.
- Where it’s available: Available online nationwide except in Alaska, Hawaii and Puerto Rico.
Offer Expires: October 15, 2025
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Key Smart Checking®: KeyBank $300 Checking Bonus
KeyBank is offering a deal for new customers: earn a $300 cash bonus with qualified activities on a new Key Smart Checking® account. With no monthly maintenance fees and a series of qualified activities, customers can enjoy a straightforward banking experience while capitalizing on a generous bonus.
- What you’ll get: $300
- Where it’s available: AK, CO, CT, ID, IN, ME, MA, MI, NY, OH, OR, PA, UT, VT, WA
- How to earn it:
- Open a Key Smart Checking® account online by October 17, 2025.
- Make the minimum opening deposit of $10, plus a total of $1,000 or more in eligible direct deposits within the first 90 days of account opening.
- Your $300 cash bonus will be deposited into your account within 60 days of meeting requirements. Account must not be closed at the time of gift payment.
- When it expires: October 17, 2025
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SoFi Checking & Savings: Up To $325 + Up To 4.60% APY
- What you’ll get: Up To $325 + Up To 4.60% APY
- Where it’s available: Nationwide
- How to earn it: Receive a bonus worth up to $325 based on the total of the direct deposits you receive in a 25-day evaluation window when you open a SoFi Checking and Savings account. Members will also earn up to 4.20% APY. See the Bonus Details section below for more information.
- When it expires: 6/30/2024
>> OFFER LINK
Other Top $300 Bank Bonus Offers
- BMO Smart Advantage Checking Review: $400 Cash Bonus* & No Monthly Maintenance Fee
- BMO Business Account Promotions: $750 Business Checking Bonus [Nationwide] – Ends 9/2/25
- BMO Checking Account $400 Cash Bonus* – Ends 9/8/25
- Chase Checking Bonus: $300 Chase Total Checking® Offer [Nationwide] – Ends 10/15/2025
- M&T Bank $350 MyChoice Premium Checking Bonus – Ends 8/30/25
- Provident Credit Union $475 Checking Bonus [CA] – Ends 8/31/25
- KeyBank Key Smart Checking® $300 Bonus Promotion – Ends 10/17/25
- Wells Fargo Bank Bonus: $400 Offer for the Everyday Checking Account – Ends 7/8/25
- Oostburg State Bank’s $300 Checking Bonus: Wisconsin’s Hidden Gem Banking Deal
- Trustco Bank Bonus: How to Earn $250 Checking – Ends 6/27/25
- Wells Fargo $325 Everyday Checking Account Bonus – Ends 7/8/2025
- Citizens Bank Bonus: Up To $400 Checking Promotion – Ends 8/3/25
- Financial Plus Credit Union $300 Checking Bonus [MI] – No End Date
- AllTru Credit Union Promotions: $300 Checking & $100 Checking Referral Bonuses [MO] – Ends 4/30/25
- Cedar Rapids Bank & Trust Bonus: $300 Checking Referring Offer [IA] – Ends 6/30/25
- Central Bank Promotions: $300, $400 Checking & Savings Bonuses [CO, IL, KS, MO, OK] – Ends 12/31/25
- First Commonwealth Federal Credit Union $300 Checking Bonus [NJ, PA] – Ends 6/30/25
- TruStone Financial CU Promotions: Up To $350 Checking Bonus [MN, WI] – Ended
- S&T Bank $300/$400 Personal Checking Bonuses [OH, PA] – Ended
- Banner Bank Bonus: Up To $600 Business Checking & Savings Promotion [CA, ID, OR, WA] – Ends 12/31/25
- Suffolk Credit Union Bonus: $300 Checking Promotion [NY] – Ended
- FirstBank Review: $300 Checking Account Sign-Up Bonus [AZ, CA, CO] – Ends 7/1/25
- Baselane Review & Bonus Offer: $150 Sign Up & 3.35% APY On Banking Balances
- Earn $300 With TD Bank Beyond Checking Bonus – Ends 6/30/25
- Dollar Bank Promotions: $300 Checking Bonus [MD, OH, PA, VA] – Ends 6/30/25
- Associated Bank $300, $400, $600 Checking Bonus [IA, IL, IN, KS, MI, MN, MO, OH, WI] – Ends 6/30/25
- Teachers Federal Credit Union $300 Checking Bonus [Nationwide] – Ends 6/30/25
- Hancock Whitney Bank Promotions: $200 Checking Offer [AL, FL, LA, MS, TX]
- Camden National Bank Bonus: $300 Checking & Savings Offer (ME, NH) – 5/23/25
- Live Oak Bank Business Savings Promotion: Earn a $200 Bonus (Nationwide) – Ended
- First Tech Federal Credit Union Promotions: Credit Card Bonuses [Nationwide]
- Capital One 360 Performance Savings: Earn Up To $1,500 Bonus With Promo Code BONUS1500 [Nationwide]
- Altra Federal Credit Union $300 Checking Bonus: No Direct Deposit Required – Ended
- Abington Bank Promotions: $300 Personal Checking Promotion [MA, CT, RI, NH] – No End Date
- OneAZ Credit Union Promotions: $300 Checking Account Bonus (AZ) – Ended
- Commerce Bank Promotion: $300 Free Checking Account – Ended
- Cedar Rapids Bank & Trust Bonus: $333 Checking Offer With Promo Code MAXXHOLIDAYS [IA] – Ends 8/31/24
- HarborOne Bank Bonus: $300 or $600 Checking Offer [MA, NH, RI] – No End Date
- KeyPoint Credit Union: Up To $300 Checking Account, $100 Referral Bonuses [Nationwide] – No End Date
- New York Community Bank $350 Checking Bonus [AZ, FL, MI, NJ, NY, OH] – Ended
- Ameris Bank Bonus: $300 Checking Promotion [AL, FL, GA, NC, SC] – Ends 2/29/24
- BluPeak Credit Union $300 Checking Bonus (Formerly USE CU) [CA] – No End Date
- Firstmark Credit Union $300 Checking Bonus [TX] – No End Date
- Liberty Bank $300 Checking Bonus [CT, MA, RI] – Ended
- First National Bank of Omaha (FNBO) $300 Checking + $200 Savings Bonus [CO, KS, NE, IA, SD, IL, TX, MO, WI, WY] – Ended
- First Niagara Bank Promotions: $100, $200, $300 Bonuses – Ended
- Inspire Federal Credit Union Promotions: $300 Checking Bonus [PA] – Ended
- WesBanco $350 Checking Account Bonus [IN, KY, OH, PA, WV] – Ended
READ MORE: BANK OF AMERICA IS OFFERING NEW CUSTOMERS A CHECKING BONUS
Bottom Line
The $300 bank bonus offers an excellent opportunity for those looking to reap rewards without diving into high deposit requirements. As we always emphasize, the key lies in understanding the fine print and ensuring the bank’s offer aligns with your individual needs.
How To Earn More Than $300?
If you’re interested in earning more than $300, see the other bank bonuses featured in the other posts in our series:
Frequently Asked Questions
1. How common are $300 bank bonuses? $300 bonuses are relatively popular, with many banks offering them as a middle-ground incentive for new customers.
2. Can the bonus affect my credit score? Usually, opening a bank account doesn’t impact your credit score, but always review the terms. Some banks might perform a “hard pull” on your credit.
3. What happens if I close my account early? Closing your account before meeting the bank’s specified duration might result in a penalty or forfeiture of the bonus.
READ MORE: SEE THE BEST BANK BONUSES HERE AND THE BEST INVESTING BONUSES HERE.
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