Best $400 Bank Bonus Offers, Promotions of March 2026

After delving into the enticing world of $1,000 and $500 bank bonuses in our previous posts, we’re back to introduce another tier of bank bonuses! Consider this post a sequel to our earlier explorations, further deepening our journey into the realm of lucrative bank incentives.

Update 11/7/2023: For those looking for even less requirements to meet, we added our lists of the best $300 and $200 bank bonuses.

READ MORE: SEE THE FULL LIST OF THE BEST BANK BONUSES.

Why $400?

While $1,000 and $500 bonuses are impressive, they often come with higher requirements that might not be suitable for everyone. A $400 bonus can strike the perfect balance for many: substantial enough to be enticing but often paired with more achievable requirements.

Criteria to Consider:

Before diving headfirst into a $400 bank bonus, it’s essential to weigh several factors:

• Minimum Deposit Requirement: How much do you need to deposit to unlock this bonus? And how does it compare to the potential reward?
• Account Maintenance Fees: Always read the fine print to ensure you won’t be offsetting your bonus with monthly charges or unexpected fees.
• Duration to Maintain Balance: Some banks might require you to maintain a certain balance for a specific period to claim the bonus.
• Associated Perks: Beyond the bonus, what else does the bank offer? Perhaps there’s premium customer service, no ATM fees, or other attractive features.

Benefits of a $400 Bonus:

While not as hefty as a $1,000 bonus, $400 is nothing to scoff at. This bonus can cover several monthly utility bills, fund a weekend getaway, or be stashed away for a rainy day.

The Best $400 Bank Bonus Offer

Here are my top picks for the BEST $400 BANK BONUSES.

Other Top $400 Bank Bonus Offers

• U.S. Bank Smartly® Checking: Earn Up to $450 Bonus – Ends 4/6/26
• Huntington Bank $100, $400, $1000 Business Checking Bonuses [Many States] – Ends 6/16/26
• Regions Bank $400 Checking Account Bonus [Available in Many States] – Ends 1/1/27
• Old National Bank $300 or $600 Checking Bonus [IA, IL, IN, KY, MI, MN, WI] – Ends 6/30/26
• U.S. Bank Smartly Checking Bonus: Earn Up to $450 + Smart Rewards – Ends 4/6/26
• Citizens Bank Bonus: Up To $400 Checking Promotion – Ends 3/31/26
• BECU’s $500 New Member Bonus [WA, ID, OR] – Ends 4/10/26
• Chase Checking Bonus: $400 Chase Total Checking® Offer [Nationwide] – Ends 4/15/2026
• PNC Bank Bonus: How to Earn Up to $400 Personal Checking Accounts – Ends 3/31/26
• Truist Bank $400 Business Checking Bonus – Ends 4/2/26
• Cadence Bank $400 Business Checking Bonus [AL, AR, FL, GA, LA, MO, MS, TX and TN, In Branch] – Ends 11/30/25
• Broadway Bank’s $400 Business Checking Bonus [TX]
• Telcoe Federal Credit Union’s $475 Anniversary Bonus [AR]
• Achieva Credit Union’s $400 Business Checking Bonus: Is This Credit Union Deal Worth It? [FL Only]
• Ascend Bank’s $400 Bonus: Community Banking with Big Bank Rewards (And a 4.00% APY That Actually Matters) [CT Only] – Ends 12/31/25
• Vantage West Credit Union’s $450 Bonus [AZ] – Ends 9/30/25
• WECU Spend Plus Rewards Checking: $400 Bonus [WA Only] – Ends 12/31/25
• Equity Bank Bonus: Get $400 With Business Checking Account – Ended
• Associated Bank $300, $400, $600 Checking Bonus [IA, IL, IN, KS, MI, MN, MO, OH, WI] – Ends 6/30/25
• Community Financial Credit Union Bonus: Get Up to $450 With CloseEnuff™ Checking Account – Ends 8/31/25
• Santander Bank Bonus: $400 Checking Promotion – Ends 6/30/25
• Northwest Federal Credit Union $400 Checking Bonus [Nationwide] – No End Date

READ MORE: BANK OF AMERICA IS OFFERING NEW CUSTOMERS A CHECKING BONUS

Bottom Line:

The $400 bank bonus can be an attractive middle ground, bridging the gap between higher and lower bonus offers. As always, take your time, do your research, and ensure that any account you open aligns with your financial needs and habits. In the world of bank bonuses, knowledge and due diligence are your best allies.

Frequently Asked Questions (FAQ)

1. Are $400 bank bonuses common?
Yes, many banks offer this mid-tier bonus to attract new customers while setting slightly more achievable requirements compared to higher bonuses.

2. Can I claim multiple bonuses?
It depends on the bank’s terms and conditions. Some banks might have clauses preventing customers from claiming multiple bonuses in a short span.

3. Do I need to pay taxes on the bonus?
Typically, yes. Bank bonuses are considered interest income and need to be reported on your tax return.