Earn hundreds of dollars in cash with the best bank bonuses. Discover the top promotions and start earning easy money now!
Looking to earn extra cash with the best bank bonuses? Check out these top bank bonuses and learn how you can earn significant rewards by opening new accounts and meeting simple criteria.
We picked the best offers that are easy to qualify for, ensuring you get your free money with minimal effort. Start taking advantage of these promotions today!
QUICK OVERVIEW
Best Checking Account Bonuses
This list highlights the best bank account bonuses available, detailing the bonus amounts, and expiration dates. Later in this post, we will discuss how to earn them.
Disclaimers:
The Annual Percentage Yield (APY) is accurate as of 12/5/2025. The base and promotional interest rate and corresponding APY for Axos ONE® Checking is variable and is set at our discretion. The base and promotional interest rate and corresponding APY for Axos ONE® Savings is variable and is set at our discretion. Axos ONE® Savings is a tiered variable rate account. Axos ONE® Checking is a non-tiered variable rate account. Interest rates may change as often as daily without prior notice. Fees may reduce earnings.Promotional terms and conditions are subject to change or removal without notice. Incentive may be taxable and reported on IRS Form 1099-MISC. Consult your tax advisor. After the accounts are opened, the amount of incentive earned will depend on meeting the additional requirements outlined below.The Axos ONE® Checking account will earn a base rate of 0.00% APY. The Axos ONE® Savings account will earn a base rate of up to 1.00% APY.Axos ONE® accounts are eligible to receive a promotional APY for each statement cycle where the promotional criteria are met during the Qualification Period. To receive the promotional APY on both Axos ONE® Checking and Axos ONE® Savings, the Axos ONE® Checking account must meet both of the requirements in either Option 1 or Option 2 below during the Qualification Period:Option 1Your Axos ONE® Checking account has received monthly qualifying direct deposits of at least $1,500 in total.The average daily balance of your Axos ONE® Checking account is at least $1,500.Option 2Your Axos ONE® Checking account has received monthly qualifying deposits of at least $5,000 in total.The average daily balance of your Axos ONE® Checking account is at least $5,000.If both of the requirements in either Option 1 or Option 2 above are met during the Qualification Period:The Axos ONE® Checking account will earn a promotional rate of 0.51% APY for the statement cycle in which the requirements are met.The Axos ONE® Savings account will earn a promotional rate of up to 4.31% APY for the statement cycle in which the requirements are met.The Qualification Period begins on the first business day of the month and runs through the 25th of the month. If the 25th of the month is followed by a non-business day, the average daily balance will be calculated including the following non-business day(s). Any qualifying deposits or qualifying direct deposits received after the 25th of the month will count toward the next Qualification Period. The Qualification Period for new accounts will begin on the day the account is approved. New accounts opened on or after the 25th of the month will be eligible to earn the promotional APY starting in the following month.A direct deposit is an electronic deposit of your paycheck or government benefits, such as Social Security, Disability, etc. International paychecks, international government benefits, other deposits (i.e., online banking transfers, ATM and mobile check deposits, etc.), or person-to-person payments are not considered a direct deposit.Qualifying deposits only include deposits from the following eligible sources: (i) ACH transfers from external accounts, (ii) inbound wire transfers from external accounts, (iii) check deposits. Qualifying deposits do not include: (i) transfers internal to the bank (i.e., transfers between an account holder’s Checking and/or Savings account), (ii) interest payments, (iii) promotional bonuses, (iv) credits, reversals, and refunds.Both accounts must be in an open and active status on the 25th of the month and on the date the interest is paid to receive the promotional APY for that statement cycle. If either account closes during the Qualification Period, neither account will be eligible to earn the promotional APY for that statement cycle. Account transactions may take one or more business days from the transaction date to post to the account. Show Less
Best Savings Account Bonuses
Best Business Checking & Savings Bonuses
BEST CHECKING ACCOUNT BONUSES
Looking to make some easy cash? Opening a new checking account with the right bank could land you a generous bonus. We’ve compiled a list of the Best Checking Bonuses available now. Whether you’re looking for a massive $3,000 offer or a simple $100 referral bonus, there’s something for everyone. Check out the details below and start earning!
1. BMO – Earn an Easy $400 Cash Bonus*
BMO is offering a $400 cash bonus* when you open a new checking account. To qualify, simply meet the direct deposit and balance requirements by September 8, 2025.
How to Earn the Bonus:
- $400 Bonus: Open a BMO Smart Advantage or Smart Money Checking Account and receive at least $4,000 in qualifying direct deposits within the first 90 days.
Where It’s Available: Nationwide
Offer Expires: September 8, 2025
[Read More About the BMO Offer Here]
Read Our Review of the BMO Offer
*Conditions apply. Accounts are subject to approval and available in the U.S. BMO Bank N.A. Member FDIC
2. Axos One – High-Interest Savings & Checking Bundle
Axos One delivers exceptional earning potential with a 4.31% APY on savings and a 0.51% APY on checking, all in a seamless bundle. This high-interest combo is ideal for those looking to maximize growth without sacrificing convenience. With Axos One, you can easily manage both your savings and spending in one place, backed by a streamlined, tech-forward banking experience designed to keep your money working harder for you.
[Read More About Axos One’s High-Interest Savings & Checking Bundle]
3. Upgrade Rewards Checking – $200 Bonus with Upgrade Cash Rewards Visa®
Upgrade Rewards Checking offers a $200 bonus and the flexibility of a Visa® with 1.5% unlimited cash back on purchases.
- How to Earn the Bonus: Open a Rewards Checking Plus account and make 3 debit card transactions within 60 days.
- Additional Perks: No annual fee, contactless payments, $0 fraud liability, and easy qualification without impacting your credit score.
- Where It’s Available: Nationwide
[Learn More About the Upgrade Rewards Checking Offer]
Read Our Review of Upgrade Rewards Checking
4. Chime – $100 Sign-Up Bonus & Referral
Chime offers a simple $100 sign-up bonus for new customers who set up direct deposit and an additional $100 for each friend they refer.
- How to Earn the Bonus: Open a Chime Spending Account and set up a payroll direct deposit of at least $200 within 45 days.
- Additional Referral Bonus: Earn $100 for every friend you refer to Chime.
- Where It’s Available: Nationwide
[Read More About Chime’s $100 Sign-Up Bonus]
READ MORE: For a more comprehensive list of hundreds of checking account bonuses, see our article on the best bank promotions.
Best Savings Account Promotions
Looking to grow your savings while earning a generous bonus? We’ve gathered the Best Savings Account Promotions today. From high-yield accounts to cash bonuses, these offers can help you maximize your returns while enjoying a little extra cash. Check out the details below and start saving smarter!
1. CIT Bank Platinum Savings – Earn Up to $300 & 3.85% APY1
CIT Bank’s Platinum Savings account offers an impressive $300 cash bonus plus 3.85% APY on balances of $5,000 or more, making it an excellent choice for those looking to maximize their savings. Plus, with no monthly fees and a low minimum opening deposit of just $100, this account offers both flexibility and high earning potential.
- How to Earn: To earn the top-tier APY1 of 3.85%, maintain a balance of $5,000 or more. To earn the full $300 bonus, open a CIT Bank Platinum Savings account by December 8, 2025, deposit $50,000 or more, and keep that balance through the promotional period.
- Top APY1: 3.85% for balances of $5,000+
- Minimum Deposit: $100 to open; $5,000 to qualify for the highest APY
- Where It’s Available: Nationwide
[Start Earning & Saving with CIT Bank Today]
Read Our Review of CIT Bank Platinum Savings
1 Platinum Savings is a tiered interest rate account. Interest is paid on the entire account balance based on the interest rate and APY in effect that day for the balance tier associated with the end-of-day account balance. *APYs — Annual Percentage Yields are accurate as of September 23, 2025: 0.25% APY on balances of $0.01 to $4,999.99; 3.85% APY on balances of $5,000.00 or more. Interest Rates for the Platinum Savings account are variable and may change at any time without notice. The minimum to open a Platinum Savings account is $100.
2 Based on comparison to the national average Annual Percentage Yield (APY) on savings accounts as published in the FDIC National Rates and Rate Caps, accurate as of September 15, 2025.
For complete list of account details and fees, see their Personal Account Disclosures.
2. Barclays Tiered Savings Account – Up to 4.10% APY, 7x National Average
Boost your savings with the Barclays Tiered Savings Account, offering rates up to 4.10% APY — as much as 7x the national average. Open a new account by 12/31/2025, deposit at least $30,000, and you’ll earn a $200 cash bonus after maintaining your balance for 120 days. With no monthly fees, FDIC insurance, and 24/7 secure online access, it’s a smart and flexible way to grow your money. Start today and take advantage of one of the most competitive offers in savings.
- Top APY: Earn up to 4.10% APY with a balance of $250,000 or greater. Balances below $250,000 earn 3.90% APY.
- Minimum Deposit: None
- Where It’s Available: Nationwide
[Start Saving Now with Barclays Tiered Savings Account]
Read Our Review of Barclays Tiered Savings
4. Axos One – Up To 4.31% APY + Hassle Free Savings & Checking
Earn more and get rewarded with the Live Oak Bank High-Yield Savings Account — offering a $200 bonus plus a competitive 4.31% APY. With no monthly fees and FDIC insurance, it’s a simple, secure way to grow your savings faster. Open your account today and start earning from day one.
[Read More About Axos One’s High-Interest Savings & Checking Bundle]
5. Raisin Savings Network – Earn up to $1,000 + Highest APY
Raisin offers a unique platform that gives you access to a variety of high-yield savings accounts, all from different banks. With APYs as high as 4.31% and a cash bonus of up to $1,000, this is a great way to maximize your savings while staying safe with up to $250,000 in FDIC insurance per bank.
- How to Earn:
Sign up through Raisin’s platform and choose from multiple high-yield savings accounts. No account maintenance fees and easy access to different banks for maximum flexibility. - Top APY: Up to 4.65%
- FDIC Insurance: Up to $250,000 per bank
- Where It’s Available: Nationwide
[Maximize Your Savings with Raisin Now]
6. CIT Bank Savings Connect – 3.75% APY1
Another great option from CIT Bank, the Savings Connect account offers a competitive APY of 3.75% with a low $100 minimum deposit. There are no monthly fees, making this account an attractive choice for savers looking for flexibility.
- How to Earn: Open a CIT Savings Connect account and deposit at least $100 to start earning the high APY. No minimum balance required to avoid fees.
- Top APY1: 3.75%
- Minimum Deposit: $100
- Where It’s Available: Nationwide
[Get Top APY with CIT Bank Savings Connect]
Read Our Review of CIT Bank Savings Connect
- 1 Platinum Savings is a tiered interest rate account. Interest is paid on the entire account balance based on the interest rate and APY in effect that day for the balance tier associated with the end-of-day account balance. *APYs — Annual Percentage Yields are accurate as of September 23, 2025: 0.25% APY on balances of $0.01 to $4,999.99; 3.85% APY on balances of $5,000.00 or more. Interest Rates for the Platinum Savings account are variable and may change at any time without notice. The minimum to open a Platinum Savings account is $100.
- 2 Based on comparison to the national average Annual Percentage Yield (APY) on savings accounts as published in the FDIC National Rates and Rate Caps, accurate as of August 18, 2025.
- CIT updates the multiplier information based on the FDIC National Rates. The FDIC publishes their rate on the third Monday of each month (always will be their effective date) and CIT updates its site by the end of that week.
- For complete list of account details and fees, see their Personal Account Disclosures.
7. Valley Direct High Yield Savings Account – 4.10% APY, 9x National Average
Earn more on your savings with Valley Direct’s High Yield Savings Account, offering an introductory 4.10% APY for new customers and 3.50% APY for existing customers — over eight times the national average. Open online with just $1,000, enjoy no monthly fees, and access your money anytime through secure digital banking. Backed by Valley National Bank, FDIC-insured since 1927, it’s a smart and dependable way to make your savings work harder.
- How to Earn: Open your Valley Direct High Yield Savings Account online in minutes, deposit just $1 to get started, and watch your balance grow with competitive rates.
- Top APY: 4.10%
- Minimum Deposit: $1
- Where It’s Available: Nationwide
[Start Saving Now with Valley Direct High Yield Savings]
Read our Review of Valley Direct High Yield Savings
8. Quontic Bank High Yield Savings Account – 3.75% APY, Award-Winning Digital Bank
Earn a competitive 3.75% APY with Quontic Bank’s High Yield Savings Account, one of the top-rated online banks by Forbes, Bankrate, and GoBankingRates. Open your account in just 3 minutes with a $100 minimum deposit, enjoy no monthly maintenance fees, and manage your money easily through Quontic’s sleek mobile app. As a fully FDIC-insured adaptive digital bank, Quontic blends modern convenience with trusted security—helping your savings grow smarter every day.
How to Earn: Open a High Yield Savings Account online with at least $100 to start earning the advertised 3.75% APY.
- Top APY: 3.75%
- Minimum Deposit: $100
- Where It’s Available: Nationwide
[Start Saving Now with Quontic Bank High Yield Savings]
Read our Review of Quontic Bank High Yield Savings
READ MORE: For a more comprehensive list of hundreds of savings account bonuses, see our article here.
Best Business Checking Bonuses
If you’re a business owner looking to boost your cash flow, opening a new business checking account can offer lucrative bonuses. These 6 Best Business Checking Bonuses will help you earn extra cash while meeting your business banking needs. Check out the details below and take advantage of these offers before they expire!
1. Axos Bank Business Premium Savings & Basic Checking Bundle – Up to $600 Bonus, No Direct Deposit
Axos Bank offers two generous business checking promotions, letting new business customers earn up to $400 in cash bonuses. With no monthly fees, unlimited transactions, and nationwide availability, this account is a strong choice for both newly formed businesses and those with higher balances.
How to Earn the Bonus
- Open Business Premium Savings + Basic Business Checking with promo code SBB600
- Deposit $1,000+ into checking from external source
- Make 2+ debit purchases of $50+ each
- Keep $1,500+ average balance in checking
- Keep $50,000+ average balance in savings
Where It’s Available: Nationwide
Offer Expires: June 30, 2026
[Get Your $600 Bonus from Axos Bank]
Read Our Review of Axos Bank Premium Savings & Basic Business Checking
2. Axos Bank Basic Business – $200
Start your business banking journey with extra cash in your corner. Open a new Axos Bank Business Checking account using promo code START200, meet simple balance requirements, and you can earn up to $200 in welcome bonuses. It’s fast, easy, and designed to reward growing businesses that are ready to bank smarter.
Open your account today and put your money to work with Axos Bank — where business banking pays off.
- Open a new Basic Business Checking account using the promo code START200.
- Maintain an average daily balance of at least $3,000 during the first four of your first five statement cycles.
- For each qualifying statement cycle, you get $50 cashback (so $50 × 4 = $200 total).
- The bonus is deposited into your account within 10 business days after the end of each qualifying cycle.
- Your account must remain open and in good standing when the bonus is paid.
[Get Your $200 Bonus from Axos Bank]
Read Our Review of Axos Bank Business Premium Savings
3. Baselane Banking Solution for Landlords & Real Estate Investors – $150 Bonus + 3.14% APY
Baselane offers an excellent solution for landlords and real estate investors. You can earn a $150 bonus and enjoy a 3.14% APY on banking balances, making it a great option for managing your rental income.
- How to Earn the Bonus:
Open a Baselane Banking account, deposit $500 within 30 days, maintain that balance for 60 days, and complete 5 qualifying transactions. - Additional Perks:
Baselane’s Rent Collections tool helps you automate rent collection and manage expenses. - Where It’s Available: Nationwide
[Earn $150 & Strong APY with Baselane]
‘Baselane is a financial technology company and is not an FDIC-insured bank. Banking services provided by Thread Bank, Member FDIC. FDIC deposit insurance covers the failure of an insured bank. Certain conditions must be satisfied for pass-through deposit insurance coverage to apply.
4. First Internet Bank Business Money Market – Earn Up to 4.16% APY with Advanced Cash Management
First Internet Bank’s Business Money Market account delivers 3.30% APY with sophisticated cash flow tools and Balance Optimizer integration, making it ideal for businesses seeking high yields plus automated cash management without monthly fees.
Account Features: Earn 3.30% APY on balances up to $5 million (4.16% APY above $5 million), $5 monthly fee waived with $4,000 average daily balance, FDIC insured up to $250,000, and seamless integration with their Do More Business Checking for automated fund transfers.
Where It’s Available: Nationwide (online-only bank)
Minimum to Open: $100
[Apply for First Internet Bank Business Money Market]
Read our Review of the First Internet Bank Business Money Market
READ MORE: For a more comprehensive list of dozens of business checking account bonuses, see our article on the best bank promotions.
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