Best Online Checking Accounts

Chase Total Checking^® and Chase Savings^℠ Features

How To Get Your $300 Bonus

Open a new Chase Premier Plus Checking^SM Account online and deposit $25 or more at account opening. If you prefer to open in-branch, be sure to use the offer page to print out a personalized coupon.
Have a direct deposit made to this account within 60 days of account opening. There is no specified minimum direct deposit amount.
After all requirements are met, you’ll receive the bonus deposited into your account within 10 business days.
*Very important!* If this checking account is closed by either you or Chase within six months after opening, your bonus will be deducted at closing!

Waive The $25 Monthly Service Fee

You must do AT LEAST ONE of the following each statement period to avoid the Monthly Service Fee:

Option 1: Keep an average daily balance of $15,000 or more in any combination of qualifying Chase checking, savings and other balances; OR,
Option 2: Have automatic payments to your qualifying linked Chase mortgage from your Chase account.

Author’s Verdict

If you can meet the monthly requirement(s) to waive the service fee, we recommend the Chase Premier Plus Checking℠ option the most. The bonus offer is one of the best in the market and you’ll get a few extra nice account features. You can use non-Chase ATMs fee-free up to 4 times each statement period. This account even earns interest. Also, you won’t have to worry about any Monthly Service Fee on a linked personal Chase Savings account.

$350 Chase Checking + Savings Coupon Code

Chase Total Checking And Savings $350 Bonus

Get up to $350 bonus cash

Earn a $200 bonus when you open a new Chase Total Checking^® account and set up direct deposit. Also earn a $150 bonus when you open a new Chase Savings^SM account, deposit a total of $10,000 or more in new money within 10 days & maintain a $10,000 balance for 90 days. You can choose to take advantage of both offers for a combined $350 bonus, or just one of them.

You can open your account online for this offer.

$350 bonus offer expires on 07/16/2018
Available Nationwide
Application triggers a Soft Credit Inquiry, which does not affect your credit
You can fund up to $500 with a non-Chase credit card towards the opening deposit
$25 minimum opening deposit for the Chase Total Checking^®
$25 minimum opening deposit for the Chase Savings^SM
Direct Deposit is required for the Chase Total Checking^®bonus (see some options here)
The Monthly Fee can be waived (details below)

See Details

Get up to $350 when you open a new Chase Total Checking^® account with Direct Deposit and/or open a new Chase Savings^SM account, deposit $10,000 or more in new money and maintain a $10,000 balance for 90 days.
Get a $200 bonus when you open a new Chase Total Checking^® account and set up direct deposit.
Get a $150 bonus when you open a new Chase Savings^SM account, deposit a total of $10,000 or more in new money within 10 days, and maintain a $10,000 balance for 90 days.
Access to over 16,000 Chase ATMs and 5,100 branches.
Apply online in minutes.
Chase QuickPay^® with Zelle^® – Take the drama out of splitting a check.
Real-time fraud monitoring – We watch your debit-card to help your money stay your money.
Open your account online now.

The $200 Chase Total Checking^® Account Bonus

Open an account online with a minimum $25 deposit, or use the offer link to receive your personalized Chase coupon for an in-branch visit.
Have a direct deposit made into this account within 60 days of opening. There’s no specified minimum direct deposit amount with this offer.
Once all requirements are met, you’ll get the bonus deposited within 10 business days.

The $150 Chase Savings^SM Account Bonus

Open an account online and deposit a total of $10,000 or more in new money within 10 business days of opening. You can also use the offer link to receive your personalized Chase coupon for an in-branch visit.
You must maintain at least a $10,000 balance for 90 days from the date of deposit to get your bonus.
This new money cannot be funds held by Chase or its affiliates.
Once all requirements are met, you’ll have the bonus money deposited within 10 business days.

*Very important!* If the Checking or Savings account is closed by either you or Chase within 6 months after opening, your bonus will be deducted at closing!

Waive The Monthly Service Fee

The $12 Monthly Fee for the Chase Total Checking^® and the $5 Monthly Fee for the Chase Savings^SM account can both be waived.

Waive The $12 Chase Total Checking^® Monthly Service FeeWaive The $5 Chase Savings^SM Monthly Service Fee

Avoid the $12 Chase Total Checking^® Monthly Service Fee by doing AT LEAST ONE of the following each statement period:

Option 1: Have monthly direct deposits totaling $500 or more made to this account; OR,
Option 2: Keep a minimum daily balance of $1,500 or more in your checking account; OR,
Option 3: Keep an average daily balance of $5,000 or more in any combination of qualifying Chase checking, savings and other balances.

Avoid the $5 Chase Savings^SM Monthly Service Fee by doing AT LEAST ONE of the following each statement period:

Option 1: Keep a minimum daily balance of $300 or more in your savings account; OR,
Option 2: Have at least one repeating automatic transfer of $25 or more from your Chase personal checking account (available only through Chase Online^SM Banking); OR,
Option 3: Have a linked Chase Premier Plus Checking^SM, Chase Premier Platinum Checking^SM, or Chase Private Client Checking^SM account.

Author’s Verdict

The Chase Total Checking^® account is a bit more popular because the minimum daily balance to waive the Service Fee is less. We do prefer the Chase Premier Plus Checking^SM account, but this one will have everything most customers need. Just remember to meet the monthly requirement to waive the Service Fee on the Chase Savings^SM when linking to the Chase Total Checking^®.

Chase Business Checking $200 Bonus

One of the best Business Checking offers available

Here’s an offer for a $200 sign-up bonus for a new Chase Business Checking Account.

$200 bonus offer expires on 07/10/2018
Eligible accounts: Chase Total Business Checking^®, Chase Performance Business Checking^®(or Chase Performance Business Checking^® with Interest), or Chase Platinum Business Checking^SM account
Available Nationwide
You can fund up to $500 with a non-Chase credit card towards the opening deposit
Application triggers a Soft Credit Inquiry, which does not affect your credit

Designed for growing businesses to manage cash flow on the go.

Monthly Service Fee $12 when you are enrolled in Paperless Statements (or $15 for paper statements); waived when you maintain a $1,500 minimum daily balance
Provides up to 100 transactions per month without a fee, plus unlimited electronic deposits (excluding wires)
$5,000 in cash deposits each month without a fee
Allows incoming and outgoing domestic and international wires
Provides 24/7/365 access to chase.com

Account Features

How To Earn The $200 Bonus

Use the offer page to get your personalized coupon to bring into a nearby branch.
Open a Chase Total Business Checking^®, Chase Performance Business Checking^®(or Chase Performance Business Checking^® with Interest), or Chase Platinum Business Checking^SM account.
Deposit $1,000 in new money within 10 business days of account opening.
Maintain at least $1,000 balance for 60 days from the date of deposit. The new money cannot be funds held by Chase or its affiliates.
Complete 5 qualifying transactions within 60 days — debit card purchases, checks paid, Chase QuickDeposit^SM, ACH (Credits and Debits), wires (Credits and Debits).
After you have completed all the above checking requirements, they’ll deposit the bonus in your new account within 10 business days.

Fine Print

You can only receive one new business checking account opening related bonus per calendar year and only one bonus per account.
Employees of JPMorgan Chase Bank, N.A. (“Chase”) and their affiliates are not eligible.
Chase reserves the right to withdraw this offer at any time without notice.
Bonuses are considered interest and may be reported on IRS Form 1099-INT (or Form 1042-S, if applicable).

Chase College Checking^SM $50 Bonus

Chase Bank is offering a $50 bonus when you open a new Chase College Checking^SM account and meet the requirements below.

This offer is set to expire on 08/13/2018.

Get $50 as a new Chase checking customer when you open a Chase College Checking^SM account, enroll in paperless statements and complete 10 qualifying transactions.
Access to over 16,000 Chase ATMs and 5,100 branches
There is no Monthly Service Fee from the time of account opening until after the student’s expected graduation date up to 5 years.
Deposit checks from virtually anywhere, anytime, just by taking a photo with the Chase Mobile^®app.
Pricing:
- APY: N/A
- Minimum Balance to Open: $25
- Monthly Service Fee: $6
- NSF(Non-Sufficient Funds) Fee: $34
- ATM Surcharge: $2.50 (in US), $5 (outside US)

See Details

How To Earn The $50 Bonus

Open a new Chase College Checking^SM account with your personalized coupon emailed from the offer page. The minimum opening balance is $25.
Enroll in paperless statements and complete 10 qualifying transactions within 60 days of account opening.
- Qualifying transactions include: debit card purchases, online bill payments, checks paid, Chase QuickDeposit^SM, Chase QuickPay^®, or direct deposits.
- Your direct deposit needs to be an electronic deposit of your paycheck, pension or government benefits (such as Social Security) from your employer or the government.
After you have completed all the above requirements and the 10 qualifying transactions have posted to your account, they’ll deposit the bonus into your new account within 10 business days.

Fine Print

College student must be 17 – 24 years old to open a Chase College Checking^SM account and must provide a valid student ID or proof of enrollment/acceptance, college name, and expected graduation date at account opening.
Offer not available to existing Chase checking customers, those with fiduciary accounts, or those whose accounts have been closed within 90 days or closed with a negative balance.
Employees of JPMorgan Chase Bank, N.A. and its affiliates are not eligible for this offer.
You can receive only one new checking account related bonus each calendar year and only one bonus per account.
Bonus is considered interest and will be reported on IRS Form 1099-INT.
If the checking account is closed by the customer or Chase within six months after opening, they will deduct the bonus amount at closing.

$200 Business Savings Account Bonus

This $200 bonus is available for a new Chase Business Total Savings^SM account or better.

$200 bonus offer expires on 04/30/2018
Eligible account: Chase Business Total Savings account or better
Available Nationwide
You can fund up to $500 with a non-Chase credit card towards the opening deposit
Application triggers a Soft Credit Inquiry, which does not affect your credit

$200 Chase Total Checking^® Coupon

How To Earn The $200 Bonus

Use the offer page to get your personalized coupon to bring into a nearby branch.
Open a new Business Savings account (Chase Business Total Savings^SM account or better), deposit $15,000 or more in new money within 10 business days and maintain a $15,000 balance for 90 days.
Your bonus will appear in your account within 10 business days after completing qualifying activities

Waive The Monthly Fee

Chase Business Total Savings^SM has no Monthly Service Fee when you do at least one of the following each statement period:

Option #1: Maintain an average ledger balance of $1,000 or more in your Chase Business Total Savings account or better; OR,
Option #2: Maintain a linked Chase Business Total Checking^® account; Otherwise a $10 Monthly Service Fee will apply.

Fine Print

Savings offer is not available to existing Chase Business Savings customers, those with fiduciary accounts, or those whose accounts have been closed within 90 days or closed with a negative balance.
The new money cannot be funds held by Chase or its affiliates.
You can only receive one new savings account related bonus per calendar year and only one bonus per account.
The bonus is considered interest and will be reported on IRS Form 1099-INT.
If the savings account is closed by the customer or Chase within six months after opening, they will deduct the bonus amount for that account at closing.

Tips For Chase Coupon Promotions

For all of the Chase Checking bonus offers, you cannot be an existing Chase checking customer, have a fiduciary account, or have a Chase checking account closed within 90 days or closed with a negative balance. So, you must wait at least 90 days after closing a Chase checking account to meet the “new customer” qualification.
You can only earn ONE new Checking and ONE Savings account opening bonus each CALENDAR YEAR and only ONE bonus per account. That means you can get a new bonus in 2015, 2016, 2017, etc. as long as all other requirements are met.
Direct Deposit requirements for the checking Chase coupons must be an electronic deposit of your paycheck, pension, or government benefits (such as Social Security) from your employer or the government. While there’s no guarantee, some people report an ACH push from a different bank may work (Citibank, M&T Bank, etc.), or from a brokerage firm (i.e. TD Ameritrade). More on this here.
These bonuses are considered interest and will be reported on IRS Form 1099-INT.
All Chase Checking accounts have access to 16,000 Chase ATMs & 5,100 branches.
All Chase Checking accounts feature Chase QuickDeposit^SM(deposit checks with your smartphone!) and Chase QuickPay^SM(person-to-person payments; pay anyone who has an email address/mobile number).
Your Chase Debit card will have chip security now.
There are coupons available that DO require Direct Deposit and those that DO NOT. The coupons that don’t require Direct Deposit are single-use mailed offers in certain markets. Chase bank offers available through direct online links will require Direct Deposit.
See Chase Military Program benefits here.

Chase $500 In Checking/Savings Referral Bonuses

Here’s a good chance to earn some extra cash via referrals if you currently have a Checking account with Chase Bank. You’ll be able to earn $50 per qualifying referral, up to $500 a year. Your friend will receive the same bonus offer for a Chase Total Checking^® and/or a new Chase Savings^SM as explained above.

Referral offer is currently down/expired, but you can check this referral link for current offers
A new Chase Total Checking^® and/or a new Chase Savings^SMis eligible for the referral bonus

How To Make $50 Per Referral, Up To $500 A Year

Once you’re a current Chase Checking customer, enter your last name, zip code, and last 4 digits of your debit card.
Use the referral form to make referrals via Email, Facebook, or Twitter.
Your referral must open a new Chase Total Checking^® and/or a new Chase Savings^SM account with qualifying activities by Jan. 02, 2018. Your referrals can earn up to $350 by meeting the requirements as explained on their referral invitation.
You will get $50 for each friend who opens a qualifying checking or savings account (up to 10 bonuses per year).

Fine Print

Referral bonus is available to eligible personal checking and savings account holders that hold EMV-enabled debit and ATM cards.
To receive the $50 Refer-a-Friend bonus: 1) Refer your family and friends to open a New Chase Total Checking^® and/or New Chase Savings^SM account; 2) Referred candidate must be a new Chase customer and open a Chase Total Checking^® and/or Chase Savings^SM account using corresponding coupon; AND 3) After your referred family and friends have opened their Chase Total Checking^® or Chase Savings^SM account, we’ll deposit the $50 bonus into your primary checking account within 10 business days.
You can receive up to 10 referral bonus deposits (totaling $500) each calendar year.
Bonuses are considered miscellaneous income, and may be reportable to you and the IRS on Form 1099-MISC (or Form 1042-S, if applicable).

Open a new Chase Checking account first if you aren’t already a customer.

$300 Chase Premier Plus Checking^SM Coupon


MoneysMyLife Top Offer Picks Earn a $200 bonus when you open a new Chase Total Checking^® account and set up direct deposit. Also earn a $150 bonus when you open a new Chase Savings^SM account, deposit a total of $10,000 or more in new money within 10 days & maintain a $10,000 balance for 90 days. Apply for both offers and get a $350 total bonus. Full Review Learn More Get $300 when you open a new Chase Premier Plus Checking^SM account and set up direct deposit. This account has more features than the Chase Total Checking^® and the monthly service fee can be waived with a few different requirement options. A $300 Checking bonus is one of the best offers from Chase Bank. Full Review Learn More Earn $200 when you open a new Chase Total Business Checking^® account, deposit $1,000 in new money within 10 business days of account opening, maintain that balance for 60 days and complete five qualifying transactions within 60 days. This is the most popular Business Checking offer.Full Review Learn More Apply online for a new TD Bank Checking account to earn either a $300 bonus for the TD Premier Checking account ( $2,500 in direct deposits required), or a $150 bonus for the TD Convenience Checking account ($500 in direct deposits required). This is a limited time offer. Full Review Learn More Earn up to 25,000 bonus miles worth $250 in travel every year with the Barclays Arrival^® Premier World Elite Mastercard^®. Without an initial sign-up bonus, this credit card is intended for high spenders looking for a card to carry for the long-term. The card will earn unlimited miles at the rate of 2 miles per $1 spent on all purchases regardless of category. Full Review Learn More CIT Bank is offering a 1.75% APY rate with their Money Market Account for all balances. This account is available online nationwide and consistently offers one of the best rates in the nation. The minimum opening deposit is $100 and there are no fees for opening or maintaining the account. Full Review Learn More Ally Invest has a promotion where you can earn either 90 days of commission-free trades or a $200 cash bonus. The $200 bonus will require a deposit of at least $25,000 within 15 days of account opening and the execution of 3 trades within 90 days. The free trades offer will require a $10,000 minimum deposit. Full Review Learn More Simple Bank has an offer where you can earn a $20 bonus after opening their free online Checking account that's available nationwide. You'll then be able to earn unlimited $20 referral bonuses. Direct deposit isn't a requirement and all you and your referrals need to do is open a new account and use the Simple Visa debit card to make a first purchase. Full Review Learn More More Top Picks Hide

MoneysMyLife Top Offer Picks

Chase Bank $350 Total Checking And Total Savings Bonus

Earn a $200 bonus when you open a new Chase Total Checking^® account and set up direct deposit. Also earn a $150 bonus when you open a new Chase Savings^SM account, deposit a total of $10,000 or more in new money within 10 days & maintain a $10,000 balance for 90 days. Apply for both offers and get a $350 total bonus. Full Review

Get $300 when you open a new Chase Premier Plus Checking^SM account and set up direct deposit. This account has more features than the Chase Total Checking^® and the monthly service fee can be waived with a few different requirement options. A $300 Checking bonus is one of the best offers from Chase Bank. Full Review

Chase Total Business Checking $200 Bonus

Earn $200 when you open a new Chase Total Business Checking^® account, deposit $1,000 in new money within 10 business days of account opening, maintain that balance for 60 days and complete five qualifying transactions within 60 days. This is the most popular Business Checking offer.Full Review

Apply online for a new TD Bank Checking account to earn either a $300 bonus for the TD Premier Checking account ( $2,500 in direct deposits required), or a $150 bonus for the TD Convenience Checking account ($500 in direct deposits required). This is a limited time offer. Full Review

Earn up to 25,000 bonus miles worth $250 in travel every year with the Barclays Arrival^® Premier World Elite Mastercard^®. Without an initial sign-up bonus, this credit card is intended for high spenders looking for a card to carry for the long-term. The card will earn unlimited miles at the rate of 2 miles per $1 spent on all purchases regardless of category. Full Review

CIT Bank is offering a 1.75% APY rate with their Money Market Account for all balances. This account is available online nationwide and consistently offers one of the best rates in the nation. The minimum opening deposit is $100 and there are no fees for opening or maintaining the account. Full Review

Ally Invest has a promotion where you can earn either 90 days of commission-free trades or a $200 cash bonus. The $200 bonus will require a deposit of at least $25,000 within 15 days of account opening and the execution of 3 trades within 90 days. The free trades offer will require a $10,000 minimum deposit. Full Review

Simple Bank has an offer where you can earn a $20 bonus after opening their free online Checking account that's available nationwide. You'll then be able to earn unlimited $20 referral bonuses. Direct deposit isn't a requirement and all you and your referrals need to do is open a new account and use the Simple Visa debit card to make a first purchase. Full Review

Next Page: Info On Chase Coupons Up To $500…

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Best Free Business Checking Accounts Review April 2018

Free Business Checking accounts are a good tool for lowering your overhead costs that much more. All business owners know how quickly small fees here and there can add up over the course of a month. *See the best free personal Checking accounts here.

When you start looking around for a Business Checking account through your local bank, you’ll quickly realize many feature-rich accounts have monthly fees and restrictions. Here are the most common fees you’ll come across with Business Checking accounts:

Monthly Service Fee: This is a charge that occurs every month the account is open, and can range from $8 to $12, and sometimes $35 or more. Most will allow you to waive this fee with requirements such as keeping a specified average daily balance or by making a minimum number of debit transactions.
Excess Transaction Fee: Many Business Checking accounts have transaction limits, and will charge you fees for overage. This can be up to 75 cents per transaction. You’ll need to be aware of how many monthly transactions you’ll require – things like writing checks, debit card transactions, and ATM deposits will count. Limits can range from 100 to 200 transactions depending on the bank and account you choose.
Cash Handling Fee: This is when you get charged for going over the limit of cash you can deposit monthly. Typical amounts are 20 to 30 cents for each $100 you deposit over the cash handling limit. Businesses such as restaurants and convenience stores will need to consider this issue.

Free Business Checking accounts take care of the monthly maintenance fees. You’re then left with deciding on which account gives you the most features with the fewest restrictions and overage charges. Other factors particular to your individual situation include branch and ATM locations.

We reviewed the largest traditional banks and online banks to come up with the list of the best free Business Checking accounts below.

*If you’re interested in earning some sign-up bonus cash for opening a Business Checking Account, see our Business Account Bonuses Page.

Best Free Business Checking Accounts

Chase Total Business Checking^®

One of the best Business Checking offers available

Monthly Fee? $12 when you are enrolled in Paperless Statements (or $15 for paper statements); waived when you maintain a $1,500 minimum daily balance
Transactions Limit? 100 transactions per month without a fee, plus unlimited electronic deposits (excluding wires)
Cash Deposit Limit? $5,000 monthly
Availability: Nationwide (branches in AZ, CA, CO, CT, DC, FL, GA, ID, IL, IN, KY, LA, MA, MI, NJ, NV, NY, OH, OK, OR, PA, TX, UT, WA, WI, and WV)
Bottom Line: For growing businesses looking for a free Business Checking account, we recommend the Chase Total Business Checking® as one of the best overall choices. While there is a monthly fee, we find the $1,500 minimum daily balance requirement an easy path to waive the fee. Going with a big bank like Chase, you’ll have these option to bank in-branch, as well as online 24/7/365.
Full Review: Chase Business Checking Bonuses

The Chase Total Business Checking^® is catered to growing businesses that stay under the 100 monthly transactions limit (electronic deposits are unlimited, excluding wires) and the $5,000 monthly cash deposit limit.

While there can be a monthly fee of $12-$15, it’s easily waived with a $1,500 minimum daily balance. If you’re able to keep that minimum daily balance, you’ll get to take advantage of all the modern features a big bank like Chase offers. Everything from online banking to mobile banking is executed superbly as you’d expect from an institution with such resources.

Chase Bank has a network of 16,000 ATMs and 5,100 branches. If you’re not able to confidently maintain at least the $1,500 minimum daily balance each month, we recommend one of the online Business Checking options further below without Monthly Fees regardless of balance. This Business Account takes the top spot because of the sign-up bonus opportunity, along with all the account features.

Use the offer page to get your personalized coupon for a $200 sign-up bonus opportunity.

Get Coupon

EverBank Business Checking

Monthly Fee? None with $5,000 minimum balance
Transactions Limit? 200 monthly
Cash Deposit Limit? N/A
Availability: Online nationwide
Bottom Line: The Business Checking account from EverBank will not incur a monthly maintenance fee as long as you keep at least a $5,000 minimum balance; otherwise, it will be a $14.95 monthly fee. This account will be suitable for most small businesses who won’t require more than 200 monthly transactions and 10 monthly bill payments. Going over your monthly limits will incur fees that are a bit more reasonable than the other options further below.
Full Review: EverBank Offers

While the minimum opening deposit for the EverBank Business Checking account is $1,500, you’ll want to deposit and maintain at least $5,000 to waive the $14.95 monthly maintenance fee.

Going over the 200 monthly transactions limit will incur a $0.25 per transaction overage, and each bill payment over the 10 monthly limit will have a $0.50 fee. If you’re a small business that will stay within these limits then you’ll be able to avoid these common bank fees.

This is an online-only Business Checking account, so you won’t be able to make cash deposits. You’ll have to make cash deposits into another local banking institution and then transfer the amount over. For check deposits you’ll have several different options:

Business Mobile App . Use their app to make as many individual check deposits as you like. It will work in the same manner as other banking apps, using your smartphone’s camera to scan the check.
Office Deposits. You can use any approved scanner to make deposits. For 50 or fewer check deposits a month, the Online Check Deposit (OCD) option will be free. For high monthly volumes of check deposits, the Remote Deposit Capture (RDC) will cost you $35 monthly.
Wire Transfer. Generally this isn’t going to be a good option. EverBank won’t charge for incoming wire transfers, but the other institution usually will.
Postage paid deposit envelops. If you’re one to avoid technology, you can order free postage paid deposit envelops.

If you’re a small business looking for an online-only Checking option, the Business Checking account from EverBank is worth a look.

U.S. Bank Silver Business Checking

Monthly Fee? None
Transactions Limit? 150 monthly
Cash Deposit Limit? 25 units monthly (explained below)
Availability: AR, AZ, CA, CO, FL, GA, IA, ID, IL, IN, KS, KY, MN, MO, MT, ND, NE, NM, NV, OH, OR, SD, TN, TX, UT, WA, WI, WY
Bottom Line: While there is no monthly fee with this account, you are limited to 150 transactions a month and 25 units of cash deposits a month. On the plus side, they are the 4th largest bank in the U.S. and have over 3,000 branch locations across 28 states.
Full Review: Silver Business Package Checking Review

The U.S. Bank Silver Business Checking package has no monthly fee, but there is a monthly 150 transactions limit at no charge. Transactions include typical banking needs like deposits, debit card purchases and online payments. The fee for each transaction over the 150 monthly limit is 50 cents.

You’ll have access to more than 3,000 branches across 28 states to do your banking with. Many standard tasks can also be done online.

There’s also a cash deposit limit that can be a little tricky. You’re allowed for 25 free “units” per month in cash deposits. Each unit is a cash deposit divided by 100, and then rounded to a whole number. For example, if you deposit $190 cash in one transaction, the 1.90 is rounded up to 2, for a total of 2 units towards the 25 maximum monthly. Once you go over the 25 unit limit, there’s a small charge per additional $100 deposited. This charge will vary by state, but can be around 15 to 20 cents.

So, if you think you’re going to require more than 150 transactions a month or have to deal with huge cash deposits, take a close look at how the fees can add up.

Bank Of Internet Federal Bank Basic Business Checking

Monthly Fee? None
Transactions Limit? 200 monthly
Cash Deposit Limit? None
Availability: Online nationwide
Bottom Line: Really just a good all-around free Business Checking account for entrepreneurs that are able to do all of their banking online.
Full Review: Basic Business Checking Review

The Basic Business Checking account from Bank of Internet Federal Bank is another good online Business Checking account option. Because this is an online-only bank, this really is for business owners you can and prefer to do all their banking electronically. The minimum opening deposit is $1,000 and there is no monthly fee to worry about.

You are allowed up to 200 free transactions monthly with this account. The charge for each transaction past the limit is 30 cents each. There’s also a separate maximum of 60 scanned deposit checks monthly you can make. You can also choose to make deposits by mailing a check to their headquarters in San Diego, CA.

A good feature of this online-only account is that you’ll get unlimited ATM fee reimbursements for ATMs that are in the United States.

This account will only appeal to businesses that can manage to do all of its banking online.

Wells Fargo Business Choice Checking

Monthly Fee? $14, but it’s easy to waive
Transactions Limit? 200 monthly
Cash Deposit Limit? $7,500 monthly
Availability: AK, AL, AK, AR, CA, CO, CT, DC, DE, FL, GA, IA, ID, IL, IN, KS, MA, MD, MI, MN, MO, MS, MT, NC, ND, NE, NJ, NM, NV, NY, OH, OR, PA, SC, SD, TN, TX, UT, VA, WA, WI, WY
Bottom Line: With the Wells Fargo Business Choice Checking account, you do have to worry about all 3 of the typical fees and restrictions. However, the monthly fee is easily waived, and the limits on transactions and cash deposits are generous.
Full Review: Business Choice Checking Review

Wells Fargo is the largest bank in the United States in terms of branch locations, so that’s going to be an advantage in terms of convenience for many business owners.

The Wells Fargo Business Choice Checking account has a $14 monthly fee, which means it’s technically not a free Business Checking account. However, this fee is easy to waive with any of these options:

10 debit card purchases a month
Maintain a $7,500 balance in your Business Choice Checking account
Maintain a combined balance of $10,000 across multiple Wells Fargo accounts
Sign up for select Wells Fargo business services

There’s also a monthly transaction limit of 200 to consider. You’ll get hit with a 50 cents charge per transaction over the limit.

On the plus side, you can make cash deposits up to $7,500 a month at no extra charge, which is about double what many other banks allow. Going over the $7,500 limit will incur a 30 cents charge for every additional $100 in cash deposits.

With the transaction limit and cash deposit limit being very forgiving, along with a monthly fee that is easy to waive, the Wells Fargo Business Choice Checking is still a solid choice for many businesses.


MoneysMyLife Top Offer Picks Earn a $200 bonus when you open a new Chase Total Checking^® account and set up direct deposit. Also earn a $150 bonus when you open a new Chase Savings^SM account, deposit a total of $10,000 or more in new money within 10 days & maintain a $10,000 balance for 90 days. Apply for both offers and get a $350 total bonus. Full Review Learn More Get $300 when you open a new Chase Premier Plus Checking^SM account and set up direct deposit. This account has more features than the Chase Total Checking^® and the monthly service fee can be waived with a few different requirement options. A $300 Checking bonus is one of the best offers from Chase Bank. Full Review Learn More Earn $200 when you open a new Chase Total Business Checking^® account, deposit $1,000 in new money within 10 business days of account opening, maintain that balance for 60 days and complete five qualifying transactions within 60 days. This is the most popular Business Checking offer.Full Review Learn More Apply online for a new TD Bank Checking account to earn either a $300 bonus for the TD Premier Checking account ( $2,500 in direct deposits required), or a $150 bonus for the TD Convenience Checking account ($500 in direct deposits required). This is a limited time offer. Full Review Learn More Earn up to 25,000 bonus miles worth $250 in travel every year with the Barclays Arrival^® Premier World Elite Mastercard^®. Without an initial sign-up bonus, this credit card is intended for high spenders looking for a card to carry for the long-term. The card will earn unlimited miles at the rate of 2 miles per $1 spent on all purchases regardless of category. Full Review Learn More CIT Bank is offering a 1.75% APY rate with their Money Market Account for all balances. This account is available online nationwide and consistently offers one of the best rates in the nation. The minimum opening deposit is $100 and there are no fees for opening or maintaining the account. Full Review Learn More Ally Invest has a promotion where you can earn either 90 days of commission-free trades or a $200 cash bonus. The $200 bonus will require a deposit of at least $25,000 within 15 days of account opening and the execution of 3 trades within 90 days. The free trades offer will require a $10,000 minimum deposit. Full Review Learn More Simple Bank has an offer where you can earn a $20 bonus after opening their free online Checking account that's available nationwide. You'll then be able to earn unlimited $20 referral bonuses. Direct deposit isn't a requirement and all you and your referrals need to do is open a new account and use the Simple Visa debit card to make a first purchase. Full Review Learn More More Top Picks Hide

MoneysMyLife Top Offer Picks

Earn a $200 bonus when you open a new Chase Total Checking^® account and set up direct deposit. Also earn a $150 bonus when you open a new Chase Savings^SM account, deposit a total of $10,000 or more in new money within 10 days & maintain a $10,000 balance for 90 days. Apply for both offers and get a $350 total bonus. Full Review

More At MoneysMyLife:

10 Best Free Checking Accounts Review April 2018

By: Tony Phan | Last Updated: April 16, 2018 | This content is not provided or commissioned by the issuer. Opinions expressed here are author’s alone, not those of the issuer, and have not been reviewed, approved or otherwise endorsed by the issuer. This site may be compensated through the issuer’s Affiliate Program. Please visit our Advertiser Disclosure for additional details.

Whether you’re looking to open your first ever Checking account, or just simply tired of paying monthly maintenance fees with your current one, a free personal Checking account may be what you’re searching for (see free business Checking accounts here).

Many traditional Checking accounts from local banks require monthly fees that can range from a few dollars, and on up to the $20 to $30 range. The more benefits the Checking account provides, the higher the fee typically is. You certainly can waive the fees most of the time, but that typically involves maintaining a minimum daily balance, making certain types of deposits, having a minimum number of monthly transactions, etc.

A lot of folks don’t need all the bells and whistles of a premium Checking account, and just need somewhere to carry a small balance and perform basic Checking tasks. If you’re in this boat, there are still plenty of Checking account options both with traditional banks and online banks. Some of these free Checking accounts also have sign-up bonuses as well.

You’ll have far more free Checking account options with online banks due to their lower overhead costs, but depositing cash will be an issue. Depositing checks has never been easier with mobile apps.

Our other top bank guides:

We’ll review your best free Checking account options below.

Chase Total Checking^® Account

Get $200 with this Checking account

While the Chase Total Checking^® account isn’t free unless you meet the monthly requirement(s) to make it so, we feel it’s important to list one account option that will give you full in-branch service that is available to most residents nationwide.

They have branches in all of these states: Arizona, California, Colorado, Connecticut, District of Columbia, Florida, Georgia, Idaho, Illinois, Indiana, Kentucky, Louisiana, Massachusetts, Michigan, New Jersey, Nevada, New York, Ohio, Oklahoma, Oregon, Pennsylvania, Texas, Utah, Washington, Wisconsin, and West Virginia.

We chose the Chase Total Checking^® account because the $12 monthly fee is easily waived with several options. You’ll need to do just ONE of the following to waive the fee:

Option #1Option #2Option #3

Have monthly direct deposits totaling $500 or more made to this account.

Keep a minimum daily balance of $1,500 or more in your checking account.

Keep an average daily balance of $5,000 or more in any combination of qualifying Chase checking, savings and other balances.

If you feel you’ll never be under a $1,500 balance for any given month, this will be one of the best Checking account options available from a big bank. Plus, you’ll be able to earn a great sign-up bonus.

For truly fee-free Checking accounts without monthly requirements, see the other options below.

Availability? Available nearly nationwide (branches in states listed above)
Physical Branches? Yes
Mobile app? iOS | Android
Bonus offer? $200 sign-up bonus
Earns interest? Yes, but a low rate typical of traditional banks
Monthly Fee? *None (when you meet ONE monthly requirement)
Minimum balance requirement? None
Minimum opening deposit? $25
Credit card funding options? You can fund up to $500 towards the opening deposit using a non-Chase credit card
ATM access? Access to over 16,000 Chase ATMs and 5,100 branches.
Full Review: Chase Chase Total Checking^® Review

BBVA Compass ClearConnect Free Checking

Best Choice For: ATM Access

This is BBVA Compass Bank’s online free Checking account offering that is available nationwide. Not only will you have access to the more than 43,000 ATMs in the Allpoint network, but the BBVA Compass ATMs as well. That’s a combined 55,000 ATMs with no fees worldwide.

The minimum opening deposit is just $25 and you can only apply online. There is no monthly service fee, but be sure to opt out of Paper Statements to avoid the $3 charge for that service.

Availability? Available online nationwide.
Physical Branches? Yes, plus access to AllPoint^® and BBVA Compass ATMs worldwide
Mobile app? iOS | Android
Bonus offer? Check for current bonus offers
Earns interest? No
Monthly Fee? None
Minimum balance requirement? None
Minimum opening deposit? $25
Credit card funding options? You can fund the new account with a Visa/Mastercard up to $5000.
ATM access? No ATM fees at 55,000 AllPoint^® and BBVA Compass ATMs worldwide
Full Review: BBVA Compass Review

BBVA Compass ClearChoice Free Checking

Best Choice For: Free Checking With Branch Access

For those looking for a free Checking account option with physical branch access, the ClearChoice Free Checking is available from BBVA Compass. This account will be limited to those states where branches exist, which includes Alabama, Arizona, California, Colorado, Florida, New Mexico and Texas.

If you live in one of those above regions, this account is a solid option. You’ll have fee-free access to BBVA Compass ATMs. There are no monthly service charges and the minimum opening deposit is only $25. Your free Visa debit card can be personalized with your favorite photo.

You’ll also have the option to customize this free Checking account with additional features at a cost:

$5 for additional ATM Transactions: Pay no BBVA Compass fee for using another bank’s ATM and up to four automatic rebates per statement cycle of ATM fees charged by other banks.
$2 for Check Supply: Unlimited supply of standard checks and 50% off other styles.
$2 for Cashier’s Checks: Unlimited Cashier’s Checks.
$3 for Safe Deposit Box: 3X5 Safe Deposit Box.

Don’t opt for any of those additional features and your account is fee-free.

Availability? Account is open to residents of AL, AZ, CA, CO, FL, NM, and TX.
Physical Branches? Yes, find a branch or ATM here.
Mobile app? iOS | Android
Bonus offer? Check for current bonus offers
Earns interest? No
Monthly Fee? None
Minimum balance requirement? None
Minimum opening deposit? $25
Credit card funding options? You can fund the new account with a Visa/Mastercard up to $5000.
ATM access? Use BBVA Compass ATMs fee-free. You can opt for out-of-network ATM access for a $5 fee.
Full Review: BBVA Compass Review

Simple Checking Account

Best Choice For: Mobile Banking/Unlimited Referral Bonuses

Simple is an online and mobile only bank that puts more emphasis on going mobile more than other internet banks. They have one of the most feature rich mobile apps and it is evident in the amount of user reviews left in the app stores compared to other banks’ apps.

With the app you can make mobile check deposits, as well as set goals and track your spending with their built-in tools.

There are is no monthly fee, no minimum balance requirement, no overdraft fee, no account closing fee, no card replacement fee, and no fee from Simple for out of network ATMs. You’ll have access to 40,000 in-network free ATMs. However, there is no allotted reimbursement for fees charged by other bank’s ATMs.

You can also earn a $20 sign-up bonus using our referral link below, and then start making your own $20 referral bonuses (unlimited).

Availability? Available online nationwide.
Physical Branches? No physical branches.
Mobile app? iOS | Android
Bonus offer? Unlimited $20 referral bonuses (see full review for details)
Earns interest? No
Monthly Fee? None
Minimum balance requirement? None
Minimum opening deposit? $0
Credit card funding options? None – contact Simple to verify.
ATM access? 40,000 in-network ATMs fee-free available.
Full review: Simple Bank


MoneysMyLife Top Offer Picks Earn a $200 bonus when you open a new Chase Total Checking^® account and set up direct deposit. Also earn a $150 bonus when you open a new Chase Savings^SM account, deposit a total of $10,000 or more in new money within 10 days & maintain a $10,000 balance for 90 days. Apply for both offers and get a $350 total bonus. Full Review Learn More Get $300 when you open a new Chase Premier Plus Checking^SM account and set up direct deposit. This account has more features than the Chase Total Checking^® and the monthly service fee can be waived with a few different requirement options. A $300 Checking bonus is one of the best offers from Chase Bank. Full Review Learn More Earn $200 when you open a new Chase Total Business Checking^® account, deposit $1,000 in new money within 10 business days of account opening, maintain that balance for 60 days and complete five qualifying transactions within 60 days. This is the most popular Business Checking offer.Full Review Learn More Apply online for a new TD Bank Checking account to earn either a $300 bonus for the TD Premier Checking account ( $2,500 in direct deposits required), or a $150 bonus for the TD Convenience Checking account ($500 in direct deposits required). This is a limited time offer. Full Review Learn More Earn up to 25,000 bonus miles worth $250 in travel every year with the Barclays Arrival^® Premier World Elite Mastercard^®. Without an initial sign-up bonus, this credit card is intended for high spenders looking for a card to carry for the long-term. The card will earn unlimited miles at the rate of 2 miles per $1 spent on all purchases regardless of category. Full Review Learn More CIT Bank is offering a 1.75% APY rate with their Money Market Account for all balances. This account is available online nationwide and consistently offers one of the best rates in the nation. The minimum opening deposit is $100 and there are no fees for opening or maintaining the account. Full Review Learn More Ally Invest has a promotion where you can earn either 90 days of commission-free trades or a $200 cash bonus. The $200 bonus will require a deposit of at least $25,000 within 15 days of account opening and the execution of 3 trades within 90 days. The free trades offer will require a $10,000 minimum deposit. Full Review Learn More Simple Bank has an offer where you can earn a $20 bonus after opening their free online Checking account that's available nationwide. You'll then be able to earn unlimited $20 referral bonuses. Direct deposit isn't a requirement and all you and your referrals need to do is open a new account and use the Simple Visa debit card to make a first purchase. Full Review Learn More More Top Picks Hide

MoneysMyLife Top Offer Picks

Earn a $200 bonus when you open a new Chase Total Checking^® account and set up direct deposit. Also earn a $150 bonus when you open a new Chase Savings^SM account, deposit a total of $10,000 or more in new money within 10 days & maintain a $10,000 balance for 90 days. Apply for both offers and get a $350 total bonus. Full Review

Chime Free Mobile Banking

Best Choice For: Mobile Banking For Checking/Savings

Chime is a leader in the Mobile Banking sector that is growing more and more popular as consumers are more willing than ever to manage as much as they can on their smartphones.

A Chime account includes a Spending Account (basically a Checking account) and a Savings Account. There are no monthly fees, no minimum balance fees, no overdraft fees and no foreign transaction fees.

You’ll have nearly all the functionality you’d need as you would with a traditional bank account, but obviously there won’t be an option for in-branch service. Your ATM access will include more than 30,000 MoneyPass locations, and over 30,000 cash back locations.

Availability? Available online nationwide.
Physical Branches? No physical branches.
Mobile app? iOS | Android
Bonus offer? No current bonus offers
Earns interest? Yes, but a low .01% APY for the Savings Account.
Monthly Fee? None
Minimum balance requirement? None
Minimum opening deposit? $0
Credit card funding options? None – contact Chime to verify.
ATM access? 30,000 fee-free MoneyPass locations. You won’t be charged by Chime for using out-of-network ATMs, but the ATM service provider may.
Full review: Chime Mobile Banking Review

Schwab High-Yield Investor Checking

Best Choice For: No ATM Fees Anywhere, Worldwide

Most people are familiar with Charles Schwab for offering brokerage services, but their High-Yield Investor Checking account is a secret weapon well known among savvy travelers. This is because the account provides unlimited fee rebates on ATM withdrawals worldwide.

There is no minimum deposit requirement and no monthly service fee. You’ll have access to online bill pay just like with other online-only banks, as well as mobile check deposits.

While you don’t have to use it or even deposit funds into it, you’ll receive a free brokerage account along with this Checking option.

Open a new Schwab brokerage account first with a minimum $1,000 deposit and you can earn a $100 bonus first.

Availability? Available online nationwide.
Physical Branches? No physical branches.
Mobile app? iOS | Android
Bonus offer? $100 bonus with the brokerage account; then you can add the Checking account for free.
Earns interest? Yes, but a low 0.20% APY.
Monthly Fee? None
Minimum balance requirement? None
Minimum opening deposit? $0
Credit card funding options? None – contact Schwab to verify.
ATM access? Any ATM worldwide that accepts the Visa debit card – unlimited ATM fee rebates. This is the best access for travelers!
Full review: Charles Schwab Checking

EverBank Yield Pledge Checking

Best Choice For: Free Checking With Bonus Interest

The Yield Pledge Checking account from EverBank is an online Checking account available nationwide.

You can make mobile check deposits with their app, and you’ll also have access to a limited number of branch and ATM locations as well. There are no monthly service fees and you’ll actually receive unlimited ATM fee reimbursements if you can maintain a $5,000 minimum balance.

The Yield Pledge Checking account from EverBank is another solid free Checking account option for earning interest. This is especially the case for the first year, where you’ll receive a bonus rate of 1.21% APY on balances up to $250,000. After the first year, the following ongoing rates apply:

Balances	Ongoing APY
$100,000 – $10,000,000	0.71%
$50,000 – $99,999.99	0.61%
$25,000 – $49,999.99	0.51%
$10,000 – $24,999.99	0.46%
$0 – $9,999.99	0.25%

The ongoing rates may change, but this account gets its name from the pledge to always keep the rate within the top 5% of competitive accounts.

Availability? Available online nationwide.
Physical Branches? Yes, find a branch or ATM here.
Mobile app? iOS | Android
Bonus offer? Bonus 1st year interest rate of 1.21% APY.
Earns interest? Yes, a lower ongoing rate after the 1st year bonus.
Monthly Fee? None
Minimum balance requirement? None
Minimum opening deposit? $5,000
Credit card funding options? None – contact EverBank to verify.
ATM access? Use EverBank ATMs fee-free, and get ATM fees charged by other banks reimbursed when you keep a balance of at least $5,000.
Full review: EverBank Checking

Bank5 Connect High-Interest Checking

Best Choice For: Interest Rate On All Balances

The Connect High-Interest Checking account from Bank5 has no monthly service fee and currently earns 0.76% APY on all balances when you keep at least a minimum $100 balance. You’ll have access to thousands of free ATMs and get reimbursement up to $15 monthly for ATM fees other banks charge. Bank5 Connect will never charge you for using any ATMs.

The minimum opening deposit is only $10, and there’s a lower than average $15 Overdraft Penalty fee.

Availability? Available online nationwide.
Physical Branches? No physical branches.
Mobile app? iOS | Android
Bonus offer? None currently available.
Earns interest? Yes, 0.76% APY on all balances when you keep a $100 minimum balance.
Monthly Fee? None
Minimum balance requirement? None, but $100 to earn interest.
Minimum opening deposit? $10
Credit card funding options? None – contact Bank5 to verify.
ATM access? Find an in-network free ATM here. Use any ATM and Bank5 Connect will never charge a fee on their side. They will reimburse up to $15 each month for ATM fees other banks charge.
Full review: Bank5 Connect Checking

Ally Interest Checking

Best Choice For: Best Customer Service

Ally bank is an internet-only bank and has a big online presence. They offer the Ally Interest Checking account, which earns interest and will have access to over 43,000 free ATMs in the Allpoint network across the U.S. You’ll also be reimbursed up to $10 per statement cycle for fees charged at other ATMs nationwide.

They are well-known for their customer service and have an online call center that is staffed 24 hours a day, every day of the week. You’ll also have access to online Chat customer service as well.

There are no monthly service fees and you can make mobile check deposits with their app.

Interest Rate:

Less Than $15,000 Daily Balance	$15,000 Minimum Daily Balance
0.10% APY	0.60% APY

Availability? Available online nationwide.
Physical Branches? No physical branches.
Mobile app? iOS | Android
Bonus offer? None currently available.
Earns interest? Yes, 0.60% APY with a $15,000 minimum daily balance.
Monthly Fee? None
Minimum balance requirement? None
Minimum opening deposit? $0
Credit card funding options? None – contact Ally to verify.
ATM access? Use the more than 43,000 ATMs in the Allpoint network in the U.S. for free. Also, you’ll get reimbursed up to $10 per statement cycle for fees charged at other ATMs nationwide.
Full review: Ally Checking

Capital One 360 Checking

Best Choice For: Low Overdraft Fees/Bonus Offers

The Capital One 360 Checking account is an online-only account, even though Capital One bank does have physical branches.

There is no monthly service fee and no minimum deposit to open. This Checking account also earns interest.

You’ll have access to 40,000+ free ATMs nationwide in the Allpoint network, as well as the few Capital One 360 Cafes located in eight cities around the country. When using your debit card for purchases abroad, Capital One 360 is one of the few banks that don’t charge foreign transaction fees.

Check deposits can be done with their mobile app. Another great feature the Capital One 360 Checking account provides is their Overdraft Policy. Instead of a flat fee like most banks, you’ll have the option of getting charged an 11.50% APY interest rate on the amount overdrawn. An overdraft of $100 over a one week period would cost you less than a quarter.

Interest Rate:

Account Balance	APY
$0 – $49,999.99	0.20%
$50,000.00 – $99,999.99	0.75%
$100,000 or more	1.00%

To top it all off, there are typically several sign-up bonus offers available for this account.

Availability? Available online nationwide.
Physical Branches? No physical branches.
Mobile app? iOS | Android
Bonus offer? Several bonus offers you can find here.
Earns interest? Yes, balances above $100,000 will earn the best rate.
Monthly Fee? None
Minimum balance requirement? None
Minimum opening deposit? $0
Credit card funding options? None – contact Capital One 360 to verify.
ATM access? Use the more than 40,000 ATMs in the Allpoint network in the U.S. for free.
Full review: Capital One 360 Checking

Related Pages At MoneysMyLife:

Charles Schwab Brokerage Promotions, Bonuses And Offers

Find all the new offers and bonus promotions from the Charles Schwab brokerage firm here. Along with TD Ameritrade, we rank Charles Schwab as one of the best stock brokers for beginners.

Charles Schwab is a brand well-known in the investment world. Founded in 1973, this brokerage firm now holds over 2.5 trillion in total client assets. You really can’t go wrong choosing this full-service broker.

Let’s review the current offers below.

Find the best stock brokerage promotions here.

Schwab 500 Free Equity & Options Trades Offer

With a qualifying net deposit of $100,000, you can earn 500 commission-free online equity and options trades good for 2 years.

500 free trades offer has no set expiration date (can terminate at any time)
Offer available to new and existing Schwab clients
Enroll and make a qualifying net deposit of $100,000 in your Schwab account within 45 days for your free trades
500 commission-free online equity and options trades are good for an entire year
The trades will be credited to the enrolled account within approximately one week of confirmation of your qualifying net deposit


MoneysMyLife Top Offer Picks Earn a $200 bonus when you open a new Chase Total Checking^® account and set up direct deposit. Also earn a $150 bonus when you open a new Chase Savings^SM account, deposit a total of $10,000 or more in new money within 10 days & maintain a $10,000 balance for 90 days. Apply for both offers and get a $350 total bonus. Full Review Learn More Get $300 when you open a new Chase Premier Plus Checking^SM account and set up direct deposit. This account has more features than the Chase Total Checking^® and the monthly service fee can be waived with a few different requirement options. A $300 Checking bonus is one of the best offers from Chase Bank. Full Review Learn More Earn $200 when you open a new Chase Total Business Checking^® account, deposit $1,000 in new money within 10 business days of account opening, maintain that balance for 60 days and complete five qualifying transactions within 60 days. This is the most popular Business Checking offer.Full Review Learn More Apply online for a new TD Bank Checking account to earn either a $300 bonus for the TD Premier Checking account ( $2,500 in direct deposits required), or a $150 bonus for the TD Convenience Checking account ($500 in direct deposits required). This is a limited time offer. Full Review Learn More Earn up to 25,000 bonus miles worth $250 in travel every year with the Barclays Arrival^® Premier World Elite Mastercard^®. Without an initial sign-up bonus, this credit card is intended for high spenders looking for a card to carry for the long-term. The card will earn unlimited miles at the rate of 2 miles per $1 spent on all purchases regardless of category. Full Review Learn More CIT Bank is offering a 1.75% APY rate with their Money Market Account for all balances. This account is available online nationwide and consistently offers one of the best rates in the nation. The minimum opening deposit is $100 and there are no fees for opening or maintaining the account. Full Review Learn More Ally Invest has a promotion where you can earn either 90 days of commission-free trades or a $200 cash bonus. The $200 bonus will require a deposit of at least $25,000 within 15 days of account opening and the execution of 3 trades within 90 days. The free trades offer will require a $10,000 minimum deposit. Full Review Learn More Simple Bank has an offer where you can earn a $20 bonus after opening their free online Checking account that's available nationwide. You'll then be able to earn unlimited $20 referral bonuses. Direct deposit isn't a requirement and all you and your referrals need to do is open a new account and use the Simple Visa debit card to make a first purchase. Full Review Learn More More Top Picks Hide

MoneysMyLife Top Offer Picks

Earn a $200 bonus when you open a new Chase Total Checking^® account and set up direct deposit. Also earn a $150 bonus when you open a new Chase Savings^SM account, deposit a total of $10,000 or more in new money within 10 days & maintain a $10,000 balance for 90 days. Apply for both offers and get a $350 total bonus. Full Review

$100 Bonus With A Referred Schwab Account:

Here are the details:

To earn the $100 bonus, open an eligible account and make the minimum opening deposit of $1,000.
New clients who do not have a Charles Schwab & Co., Inc. (“Schwab”) account (other than a Stock Plan Services account), open an eligible retail brokerage account, and enroll in the offer can earn a $100 Bonus Award.
The Bonus Award will be credited to the enrolled account within approximately one month of account open.
For taxable accounts, the account must be maintained at Schwab for at least one year or Schwab may charge back the Bonus Award.
The offer is limited to one per account, with no more than one account enrolled per client.
Employees, contractors, or persons similarly associated with Schwab or a Schwab affiliate; their spouses; and employees of any securities regulatory organization or exchange are not eligible.
Schwab may decline requests to enroll in the offer at its discretion.
For taxable accounts, the value of all Schwab offers received will be reported as Other Income on your Form 1099-MISC if, when combined with Other Income earned, the value totals $600 or more during the calendar year.

See Offer

Refer Others

Charles Schwab High Yield Investor Checking Account

*Link this Online Checking account to a brokerage account with one of the above promotions

I love traveling, and discovered I needed a better solution for ATM withdrawals overseas, and while traveling in general. The High Yield Investor Checking Account is my secret weapon now. You can use the debit card at any ATM that accepts Visa worldwide.

Now here’s the best part – Charles Schwab doesn’t charge ATM fees anywhere, and they will reimburse you for ATM fees other banks/institutions charge!

You’ll have to open up a Charles Schwab brokerage account as well, but you’ll never have to use it, deposit funds into it, or keep any kind of balance while it’s linked to the Checking account. The reps understand people open up both accounts just to use the Checking, and will ask if you even have any interest in using the Brokerage services. This Checking accounts makes it onto our list of the Best Free Checking Accounts.

Charles Schwab $500 Brokerage/IRA Bonus

Up to a $500 cash bonus with this offer

This $500 bonus is available for new brokerage or IRA accounts and is tiered depending on your net deposit within the first 45 days of account oepning.

There is no set expiration for this $500 bonus offer. *Offer appears to be down but check the link
New Brokerage and IRA accounts qualify for this offer.
Your total cash bonus depends on net deposits as shown in the table below.
Only net deposits new to Schwab qualify. Deposits transferred from affilates other than Schwab Retirement Plan Services are excluded.
Net deposits are calculated on the 45th day after enrollment.
Cash bonus amount will be credited within one week after the 45th day.
You must maintain the net deposit amount in your Schwab account for at least one year or you may forfeit the bonus.
Your bonus, combined with any other offers from Schwab within the last 12 months, may not exceed $5,000 per household.

Earn Up To A $500 Bonus
Net Deposit	Cash Bonus
$10,000 – $24,999	$100
$25,000 – $49,999	$200
$50,000 – $99,999	$300
$100,000+	$500

Compare To These Brokerage Bonuses:

I currently invest via TD Ameritrade because I like their ThinkorSwim platform so much; they are very good about consistently offering sign-up bonuses. Betterment and Wealthfront are good choices as automated investing solutions. See all current brokerage offers here.

*Check back here for new Charles Schwab promotions, bonuses and offers.

EverBank Review: Checking, Money Market, CD Promotions And Bonuses

By: Tony Phan | Last Updated: April 9, 2018 | This content is not provided or commissioned by the issuer. Opinions expressed here are author’s alone, not those of the issuer, and have not been reviewed, approved or otherwise endorsed by the issuer. This site may be compensated through the issuer’s Affiliate Program. Please visit our Advertiser Disclosure for additional details.

EverBank (NYSE: EVER) is a financial services company that provides banking, mortgages and investing services.

They are based in Jacksonville, Florida and if you’re from the area you probably know about EverBank Field, host of the Jacksonville Jaguars.

While EverBank’s mortgages are quite popular for the company, they also do a great job providing online banking products and brokerage services with EverTrade Direct Brokerage. All in all, they’re doing good things and have over 25 billion in total assets.

We’ll focus on EverBank’s best banking products in this article, which includes their high-interesting checking, money market, and CD(Certificate of Deposit) account options. These online banking products are available to everyone nationwide.

Update History:
04/09/2018: EverBank raises Money Market rate to 1.50% APY. EverBank raises rates on 1 Year, 1.5 Year, 3 Year, 4 Year, 5 Year CDs.
03/18/2018: 1-5 Year CD terms get rate increases
02/02/2018: All CD terms get rate increases
02/02/2018: Money Mark rate gets an increase to 1.41% APY
01/20/2018: 1 to 5 Year CD terms get rate increases
12/16/2017: 5 Year CD gets rate increase
12/14/2017: 1, 2, 2.5 Year CDs get rate increases
11/02/2017: 1 & 1.5 Year CDs get rate increases
10/24/2017: 1 to 5 Year CDs get higher, updated rates
10/05/2017: Another update for several CD terms
09/25/2017: 1 Year, 2 Year, 3 Year, 4 Year, 5 Year CDs get rate updates
09/06/2017: Money Market rate gets a boost to 1.31% APY
08/30/2017: 1, 3, 4, 5 Year CD rates increased
08/16/2017: 3, 4, 5 Year CD rates updated
07/31/2017: 1 Year and 1.5 Year CD Terms get rate increases
07/17/2017: 9 Month to 5 Year CD Terms get rate increases
07/17/2017: Interest Checking and Money Market intro bonus rate increases to 1.21% APY
06/21/2017: 1.5 Year and 2 Year CD rate changes
06/05/2017: 2.5 Year CD rate increases

EverBank’s Yield Pledge Checking And Bonus Offer

Updated bonus intro rate

EverBank’s Yield Pledge Checking is an online interest earning Checking account, and is a very respectable option if you’re in the hunt for one. It makes it onto our list of the best free Checking accounts.

The rates for just about all interest earning Checking accounts can vary, and that’s why EverBank sets themselves apart with a guarantee. The account gets its name from the promise to keep the yield in the top 5% of competitive accounts, which are accounts from the top 5 banks and top 5 thrifts in the United States.

If you’ve been banking locally with all the brick-and-mortar big banks around, likely you’ve come to realize their checking accounts don’t offer much in terms of earning interest. This goes for Chase, Bank of America, Citibank, Wells Fargo, etc.

This is an online only Checking account, and EverBank does not own or operate any ATMs. A benefit of this is that they will refund ATM fees automatically every month on accounts with a minimum average daily balance of $5,000.

Similar to the major banks, EverBank is an FDIC insured federal savings bank, with the standard insurance limit of $250,000.

Special Bonus Rate For New Customers

New customers to EverBank’s Yield Pledge Checking get a special bonus rate.

Below are the current rates:

Bonus 1-Year Intro APY: 1.21% On Balances Up To $250,000
Balances	Ongoing APY
$100,000 – $10,000,000	0.71%
$50,000 – $99,999.99	0.61%
$25,000 – $49,999.99	0.51%
$10,000 – $24,999.99	0.46%
$0 – $9,999.99	0.25%
* First year APY reflects a 1-year introductory rate available to first-time checking clients on balances up to $250,000. Ongoing APYs otherwise apply.

The Yield Pledge Checking Account Features:

$5,000 Minimum opening balance
EverBank ATM fee = $0
Unlimited ATM reimbursements with minimum $5,000 balance
Free Online & mobile banking
Make deposits from home free
Use the EverBank Mobile App to deposit checks, check balances, pay bills, and transfer funds
Additional online security

Other Checking Account Offers You May Like

We keep all the best Checking Account offers updated here. Great offers can be had from banks like Chase, TD Bank and Regions consistently.


MoneysMyLife Top Offer Picks Earn a $200 bonus when you open a new Chase Total Checking^® account and set up direct deposit. Also earn a $150 bonus when you open a new Chase Savings^SM account, deposit a total of $10,000 or more in new money within 10 days & maintain a $10,000 balance for 90 days. Apply for both offers and get a $350 total bonus. Full Review Learn More Get $300 when you open a new Chase Premier Plus Checking^SM account and set up direct deposit. This account has more features than the Chase Total Checking^® and the monthly service fee can be waived with a few different requirement options. A $300 Checking bonus is one of the best offers from Chase Bank. Full Review Learn More Earn $200 when you open a new Chase Total Business Checking^® account, deposit $1,000 in new money within 10 business days of account opening, maintain that balance for 60 days and complete five qualifying transactions within 60 days. This is the most popular Business Checking offer.Full Review Learn More Apply online for a new TD Bank Checking account to earn either a $300 bonus for the TD Premier Checking account ( $2,500 in direct deposits required), or a $150 bonus for the TD Convenience Checking account ($500 in direct deposits required). This is a limited time offer. Full Review Learn More Earn up to 25,000 bonus miles worth $250 in travel every year with the Barclays Arrival^® Premier World Elite Mastercard^®. Without an initial sign-up bonus, this credit card is intended for high spenders looking for a card to carry for the long-term. The card will earn unlimited miles at the rate of 2 miles per $1 spent on all purchases regardless of category. Full Review Learn More CIT Bank is offering a 1.75% APY rate with their Money Market Account for all balances. This account is available online nationwide and consistently offers one of the best rates in the nation. The minimum opening deposit is $100 and there are no fees for opening or maintaining the account. Full Review Learn More Ally Invest has a promotion where you can earn either 90 days of commission-free trades or a $200 cash bonus. The $200 bonus will require a deposit of at least $25,000 within 15 days of account opening and the execution of 3 trades within 90 days. The free trades offer will require a $10,000 minimum deposit. Full Review Learn More Simple Bank has an offer where you can earn a $20 bonus after opening their free online Checking account that's available nationwide. You'll then be able to earn unlimited $20 referral bonuses. Direct deposit isn't a requirement and all you and your referrals need to do is open a new account and use the Simple Visa debit card to make a first purchase. Full Review Learn More More Top Picks Hide

MoneysMyLife Top Offer Picks

Earn a $200 bonus when you open a new Chase Total Checking^® account and set up direct deposit. Also earn a $150 bonus when you open a new Chase Savings^SM account, deposit a total of $10,000 or more in new money within 10 days & maintain a $10,000 balance for 90 days. Apply for both offers and get a $350 total bonus. Full Review

EverBank Yield Pledge Money Market Bonus Rate

Money market accounts are basically an alternative to a traditional savings account where the interest rate is typically higher, along with the minimum account balance requirement being higher as well.

While you do have access to the funds (compared to CDs, where you don’t without a penalty), you’re limited to 6 typical transfers or withdrawals per month due to federal regulations. Withdrawals that don’t count towards this limit are those by ATM, in person, by mail, by messenger or by telephone.

EverBank’s Yield Pledge Money Market account requires a $5,000 minimum to open. In reference to its name, this account also pledges to stay in the top 5% of all competitive accounts.

Also, there is no monthly fee for this account.

Here are the interest rates/APYs:

*Bonus 1-Year Intro APY: 1.50% On Balances Up To $250,000
Balances	Ongoing APY After 1 Year Promo
$100,000 – $10,000,000	1.35%
$50,000 – $99,999.99	1.25%
$25,000 – $49,999.99	1.15%
$10,000 – $24,999.99	1.10%
$0 – $9,999.99	1.05%
* First year APYs on balances up to $250,000 for first-time money market clients. Ongoing APYs apply to 1) amounts over $250,000 during the 1-year introductory period; and 2) all balances after the 1-year introductory period.

As you can see, there is also a Bonus Interest Rate for the EverBank Yield Pledge Money Market account.

So why would you choose to put your savings in a money market account? People typically make this decision when they want to earn more than a traditional Savings account, yet want to have access to the funds just in case, as opposed to a CD (Certificate of Deposit) account. Plus, there is no risk like there is if you put the funds in the stock market, 401K, etc.

Click the button to learn more at EverBank.com.

Compare To These Money Market Accounts:

CIT Bank and BBVA Compass both have great money market accounts worth considering. The following banks also have top Money Market Account options (visit our best Money Market rates page here):

EverBank Yield Pledge CD Bonus

As you may have guessed by now, EverBank’s Yield Pledge CD option also promises to yield in the top 5% of competitive accounts. These are actually some of the best CD rates in the market for certain terms. We list some competitors below for comparison.

The minimum to open here is $5,000 and there is no monthly fee. Again, you make the choice of a CD when you can leave the funds untouched for the term of the CD.

Here are the current APY rates:

Term	APY
3 month	1.25%
6 month	1.45%
9 month	1.60%
1 year	2.10%
1.5 year	2.23%
2 year	2.35%
2.5 year	2.30%
3 year	2.50%
4 year	2.60%
5 year	2.70%
* Interest rates and APYs shown for balances up to $1 million. Call for additional rates.

Best CD Accounts For Comparison:

See my guide on the best CD rates here. Synchrony Bank and Popular Direct have good reputations for great rates. Below are some of the top CD accounts for comparison.

BBVA Compass Bank Promotions: $150, $200, $250 Checking/Savings Bonuses

By: Tony Phan | Last Updated: April 6, 2018 | This content is not provided or commissioned by the issuer. Opinions expressed here are author’s alone, not those of the issuer, and have not been reviewed, approved or otherwise endorsed by the issuer. This site may be compensated through the issuer’s Affiliate Program. Please visit our Advertiser Disclosure for additional details.

Find the latest BBVA Compass bank promotions, bonuses and offers here for Checking and Savings accounts.

Typical bonus amounts are $25, $50, $100, $125, $250, etc. Sometimes there will also gift bonuses, such as tablets and other electronics.

BBVA Compass was established in 1964 and is headquartered in Birmingham, Alabama. They have over 650 branches throughout the following states:

Alabama
Arizona
California
Colorado
Florida
New Mexico
Texas

While some of their accounts are only available in the above regions, BBVA Compass also has popular choices available nationwide, with associated promotions. Their ClearConnect Checking and ClearChoice Free Checking are top choices for free Checking accounts.

BBVA Compass $250 Checking/Savings Bonus

This offer is only for Arizona!

This $250 bonus offer is only available at 62 participating branches in the Florida/Mobile Gulf Coast area or by calling 1-800-COMPASS, Option 2. Offer not available online.

$250 bonus offer expires 04/23/2018
You can earn a $200 bonus with a new Checking account and an additional $50 bonus for a new Savings account or Express Personal Loan.
Eligible Checking accounts for the $200 bonus include BBVA Compass ClearChoice Interest Checking, BBVA Compass ClearChoice Free Checking, and Easy Checking.
Eligible accounts for the additional $50 bonus include a BBVA Compass consumer Savings account (BBVA Compass Clearchoice Savings, Build My Savings, or Young Savers) or a BBVA Compass Express Personal Loan.
Only available in participating Arizona area branches. See the offer page for the participating branches.
Application may trigger a Hard Pull, which does affect your credit
Direct deposit is required for the bonus

How To Earn The $200 Checking Bonus

You must be a new BBVA Compass consumer checking customer who has not had a BBVA Compass consumer checking account open within the last 90 days or closed due to negative balance to be eligible for the bonus.
Eligible accounts include BBVA Compass ClearChoice Interest Checking, BBVA Compass ClearChoice Free Checking and Easy Checking.
This offer is not available for accounts opened online.
Within sixty (60) days of account opening, you must set up direct deposit by having one (1) or more electronic Direct Deposits from an unrelated 3rd party (e.g. your employer or a government agency) in the amount of at least $500 post to the new checking account.
The $200 cash bonus will be deposited into the new checking account within 90 days of meeting the bonus requirements described above.
Account must be open with a positive balance at the time of payment to receive the new account bonus
If you earn the $200 Checking Bonus, you could also earn an additional $50 by opening a BBVA Compass consumer savings account OR a BBVA Compass Express Personal Loan.
You must first qualify for the Checking Bonus in order to qualify for the Savings Bonus or the EPL Bonus.
These two $50 bonuses may not be combined.
The maximum bonus amount is $250.

Earning The Additional $50 Bonus With A Savings Account

You must qualify for the Checking Bonus.
You must be a new BBVA Compass savings customer who has not had a BBVA Compass consumer savings account open within the last 90 days or closed due to negative balance to be eligible for the bonus.
Eligible Savings accounts are BBVA Compass Clearchoice Savings, Build My Savings and Young Savers.
Offer is not available for accounts opened online.
Savings account must be opened within 60 days of checking account.
Account must be opened with a minimum balance of $100 in your new BBVA Compass Savings account.
The minimum balance of $100 must be maintained through May 8, 2018 to qualify.
The $50 cash bonus will be deposited into the new checking account within 90 days of meeting the bonus requirements described above.
The account must be open with a positive balance at the time of payment to receive the new account bonus.
The BBVA Compass savings account holder must be an account holder on the new BBVA Compass Consumer checking account.

Earning The Additional $50 Bonus With A New Personal Express Loan

You must qualify for the Checking Bonus.
You must not have a current BBVA Compass Express Personal Loan or BBVA Compass Express Personal Loan that has been paid off in the past 90 days.
Within 60 days of opening a new BBVA consumer checking account, you must be approved for and close a BBVA Compass Express Personal Loan.
The BBVA Compass Express Personal Loan customer must be an account holder on the new BBVA Compass consumer checking account to qualify for the BBVA Compass Express Personal Loan bonus.
This offer is not available for accounts opened online.
The $50 cash bonus will be deposited into the new checking account within 90 days of meeting the bonus requirements described above.

Fine Print

Checking and savings accounts are subject to approval which may include credit approval.
$25 minimum opening deposit required for the new consumer checking and savings accounts.
There is a maximum of one (1) $250 bonus per household.
There is a maximum of one Checking Bonus and either one Savings Bonus OR one EPL Bonus.
Employees are eligible for each bonus.
Workplace Solutions / Compass for Your Cause clients are eligible for this offer.
This account opening bonus is not combinable with other BBVA Compass Workplace Solutions / Compass for Your Cause cash bonus promotions.
Offer subject to change at any time without notice.
BBVA Compass may report the value of the bonus to the IRS as required by law.
Any client whose tax status would require BBVA Compass to impose tax withholding of any sort will not be eligible for this bonus.
They reserve the right to deduct the bonus amount if the account is closed within 12 months of opening.

Compare to these Checking promotions:

BBVA Compass Free Checking Account Offers

BBVA Compass has two great options to consider if you’re looking for a Checking account with no Monthly Fees.

BBVA Compass ClearConnect Checking

This is the online-only Checking account option from BBVA Compass that’s available nationwide. You’ll have much more access worldwide to free ATMs than with their traditional Checking account options. Be sure to opt out of monthly Paper Statements to avoid the $3 fee for that.

Open with $25
No monthly Service Charge
No ATM withdrawal fees at 55,000 Allpoint^® and BBVA Compass ATMs worldwide
Complimentary Online Banking and Mobile Banking, plus Mobile Deposit^® and Bill Pay
One free BBVA Compass Visa Debit Card per account holder:
- Personalize with your favorite photo
- Easily keep track of your purchases and get instant transaction alerts on the go with BBVA Wallet
- Earn cash back rewards for everyday debit card purchases with Simple Cash Back

BBVA Compass ClearChoice Free Checking

This free Checking account is available only to residents of states that have physical BBVA Compass branches – AL, AZ, CA, CO, FL, NM, and TX.

Open with $25
No monthly Service Charge
No ATM fees at BBVA Compass ATMs
Free Online Banking and Mobile Banking, plus Mobile Deposit^® and Bill Pay
One Free Visa^® Debit Card per account holder:
- Personalize with your favorite photo
- Easily keep track of your purchases and get instant transaction alerts on the go with BBVA Wallet
- Earn cash back rewards for everyday debit card purchases with Simple Cash Back^SM
Free customizable alerts
Free online and paper statements
Free unlimited check writing


MoneysMyLife Top Offer Picks Earn a $200 bonus when you open a new Chase Total Checking^® account and set up direct deposit. Also earn a $150 bonus when you open a new Chase Savings^SM account, deposit a total of $10,000 or more in new money within 10 days & maintain a $10,000 balance for 90 days. Apply for both offers and get a $350 total bonus. Full Review Learn More Get $300 when you open a new Chase Premier Plus Checking^SM account and set up direct deposit. This account has more features than the Chase Total Checking^® and the monthly service fee can be waived with a few different requirement options. A $300 Checking bonus is one of the best offers from Chase Bank. Full Review Learn More Earn $200 when you open a new Chase Total Business Checking^® account, deposit $1,000 in new money within 10 business days of account opening, maintain that balance for 60 days and complete five qualifying transactions within 60 days. This is the most popular Business Checking offer.Full Review Learn More Apply online for a new TD Bank Checking account to earn either a $300 bonus for the TD Premier Checking account ( $2,500 in direct deposits required), or a $150 bonus for the TD Convenience Checking account ($500 in direct deposits required). This is a limited time offer. Full Review Learn More Earn up to 25,000 bonus miles worth $250 in travel every year with the Barclays Arrival^® Premier World Elite Mastercard^®. Without an initial sign-up bonus, this credit card is intended for high spenders looking for a card to carry for the long-term. The card will earn unlimited miles at the rate of 2 miles per $1 spent on all purchases regardless of category. Full Review Learn More CIT Bank is offering a 1.75% APY rate with their Money Market Account for all balances. This account is available online nationwide and consistently offers one of the best rates in the nation. The minimum opening deposit is $100 and there are no fees for opening or maintaining the account. Full Review Learn More Ally Invest has a promotion where you can earn either 90 days of commission-free trades or a $200 cash bonus. The $200 bonus will require a deposit of at least $25,000 within 15 days of account opening and the execution of 3 trades within 90 days. The free trades offer will require a $10,000 minimum deposit. Full Review Learn More Simple Bank has an offer where you can earn a $20 bonus after opening their free online Checking account that's available nationwide. You'll then be able to earn unlimited $20 referral bonuses. Direct deposit isn't a requirement and all you and your referrals need to do is open a new account and use the Simple Visa debit card to make a first purchase. Full Review Learn More More Top Picks Hide

MoneysMyLife Top Offer Picks

Earn a $200 bonus when you open a new Chase Total Checking^® account and set up direct deposit. Also earn a $150 bonus when you open a new Chase Savings^SM account, deposit a total of $10,000 or more in new money within 10 days & maintain a $10,000 balance for 90 days. Apply for both offers and get a $350 total bonus. Full Review

Money Market Account Promotional Rates

The BBVA Compass ClearChoice Money Market Account is just like a traditional savings account, but the rates are higher for higher balances. Currently, there is a promotional rate that is online available only and is available nationwide. The BBVA Compass Money Market account is one of the few options that will let you earn interest on very high balances (even balances over $5,000,000).

Promotional rate only available online
Account is available nationwide
Minimum opening deposit required is $25
Promotional rates not eligible to existing accounts, or those closed within the last 30 days
Interest compounds and is credited monthly
Enjoy 24/7 online access with Online and Mobile Banking
Link to your BBVA Compass checking account for Overdraft Protection

Here is the promotional rate for the ClearChoice Money Market account when opened online that is available nationwide:

Update History:
02/23/2018: Money Market rate rises from 1.25% APY to 1.40% APY and the rate is good for all balances
07/01/2017: Money Market rate rises to 1.25% APY from 1.00% APY and the rate is now good for ALL balances

Daily Collected Balance	APY
Applies to All Balances	1.40%

Top Money Market Accounts For Comparison:

EverBank has a good bonus rate on their Money Market Account. Look through other top options below (our Money Market rates page will help you find the best rates).

BBVA Compass Online CD Promotions

These rates are available for BBVA Compass Bank’s online CD products only, and are different from the rates they offer in-branch. These online CD accounts are available nationwide.

FDIC Insurance (Up to applicable limits)
No Maintenance Fees
Online Access 24/7
With BBVA Compass, you’ll enjoy the confidence of depositing your savings with one of the top 20 largest U.S. commercial banks based on deposit market share.
$500 minimum opening deposit required to earn Annual Percentage Yield (APY)
Substantial penalty for early withdrawal.
$2,500,000 maximum deposit ($250,000 maximum deposit for Certificates of Deposit accounts opened online).

Update History:
03/09/2018: 12 Month CD special rate increases to 1.85% APY
02/10/2018: 12 Month CD rate increases to 1.50% APY
11/14/2017: 12 Month CD offer replaced with a 15 Month CD at 1.40% APY
08/11/2017: 12 Month CD rate increases to 1.40% APY
07/28/2017: 12 Month CD Rate increases to 1.25% APY
05/03/2017: 18 Month online CD rate jumps up to 1.30% APY, while the 36 Month CD rate goes down to a modest 0.40% APY
04/05/2017: New 18 Month and 36 Month CD terms and rates available

12 Month CD Rate

1.85% APY

BBVA Compass $250 Savings Account Bonus

*Update: The maximum bonus you can earn with this offer is now $50/year or $25/6-months.

So here’s a quick summary of how this works. You open a checking account and a savings account with Compass Bank. Set up automatic/reoccurring transfers of at least $25 from your checking account to your savings account each month. Compass Bank will match a small percentage of your transfer and deposit it into your Savings account. The bonus maximum is $250 for the year, or $125 for 6 months.

Important details:

You’ll need to open a Compass consumer checking account (ClearChoice Free Checking, ClearChoice Premium Checking) and a Build My Savings account.
The recurring automatic transfer must be at least $25 from your checking to savings account.
You select how long you want your bonus plan to last (6 or 12 months).
Transfer can be monthly, twice monthly, weekly, or every other week.
The match is determined by Opening Balance, Transfer Amount, and plan Term. Use the calculator at the link below to see how the match bonus works.
You’ll get your Match Bonus within 30 calendar days following the end of your plan term.
At the end of your plan, your account will convert to a BBVA Compass ClearChoice savings account

$150 BBVA Compass Bank Bonus

Open a qualifying BBVA Compass consumer checking account with a valid Workplace Solutions or Compass For Your Cause code between January 1 – April 30, 2018 for this bonus.

Here’s how you can earn money:

Receive the first $100 cash bonus by:
- Making an electronic direct deposit in the amount of at least $500 within 60 days of account opening.
After you get the first $100, receive a second $50 cash bonus by:
- Getting approved for and close a BBVA Signature Express Loan within 60 days of opening a new consumer checking account, OR
- Earn an additional $50 bonus (“Credit Card Bonus”), if, within 60 days of opening the new consumer checking account required for the Direct Deposit Bonus, you also: (1) are approved for and open a BBVA Compass ClearPoints Credit Card; and (2) make a Qualifying Purchase using the new credit card within 60 days of opening the new consumer checking account.

Learn More at Capital One

Offer Restrictions:

You must be a new BBVA Compass consumer checking customer who has not had a BBVA Compass consumer checking account open within the last 90 days.
The checking account must be coded with a Workplace Solutions or Compass For Your Cause code at account opening.
Eligible BBVA Compass consumer checking accounts include consumer checking accounts (BBVA ClearChoice Interest Checking, BBVA ClearChoice Free Checking, Easy Checking, and BBVA ClearConnect Checking).

In order to be eligible to receive the Signature Express Loan Bonus or Credit Card Bonus, you must ﬁrst meet the qualiﬁcation requirements to receive the Direct Deposit Bonus. The additional Signature Express Loan Bonus or Credit Card Bonus will not be awarded unless you meet the qualiﬁcation requirements for both the Direct Deposit Bonus and either the Signature Express Loan Bonus or the Credit Card Bonus. Customer is eligible to earn either a Signature Express Loan Bonus or a Credit Card bonus. A customer cannot earn a bonus on both products.

Offer Fulfillment and Details:

The cash bonus(es) will be deposited into your new BBVA Compass consumer checking account within 60 days of meeting the bonus requirements described above.
The new checking account must be open with a positive balance at the time of payment to receive the new account bonus(es). The new BBVA Compass Signature Express Loan must be closed to receive the Signature Express Loan Bonus. The Credit Card must have a Qualifying Purchase to receive the Credit Card Bonus.
There is a maximum of one (1) Direct Deposit Bonus and one (1) Signature Express Loan Bonus or Credit Card Bonus per household. Maximum bonus amount equals $150.

Check back at this page for the latest BBVA Compass bank promotions, bonuses and offers!

Capital One 360 Review: $100 To $1,000 In Bonuses & Promotions

By: Tony Phan | Last Updated: March 27, 2018 | This content is not provided or commissioned by the issuer. Opinions expressed here are author’s alone, not those of the issuer, and have not been reviewed, approved or otherwise endorsed by the issuer. This site may be compensated through the issuer’s Affiliate Program. Please visit our Advertiser Disclosure for additional details.

Find new Capital One 360 promotions, bonuses and offers here.

Capital One 360 is the online suite of accounts (i.e. Savings, Checking, Business,etc.) available from Capital One bank.

Online checking and savings accounts are becoming more and more popular now, due to the convenience and lack of many fees familiar with the local banks. By cutting many costs involved with traditional face-to-face banking, Capital One 360 can provide money saving options.

The Capital One 360 Checking and Savings accounts are two of the best options available today from a major reputable bank. We’ll go over the current available bonus opportunities, and well as your account options.

Rates are constantly changing, but the Savings and CD rates from Capital One 360 tend to stay somewhat competitive (rarely market-leading though). Compare rates at our Savings Rates and CD Rates pages.

Capital One 360 Money Market $600 Bonus

This offer is for a new Money Market account and you can earn up to a $600 bonus. The offer is targeted and states that you must have received an email directly from Quicken to qualify, but this condition has not been enforced with past promotions.

To qualify for the bonus, you must have received an email directly from Quicken with a promotional code. You must open your very first 360 Money Market account online no later than 05/31/2018 11:59 p.m. ET.

$600 bonus offer expires May 31, 2018
Offer available nationwide
Application triggers a Soft Pull, which does not affect your credit
No Monthly Fees with this account

How To Earn Up To $600

Use the offer page to open a new Money Market account. Use promotional code QUICKONE
Your bonus amount will be determined by your deposit amount:
- $200 Bonus – You maintained a balance of $10,000-$49,999 for the first 90 days following the Initial Funding Period.
- $400 Bonus – You maintained a balance of $50,000-$99,999 for the first 90 days following the Initial Funding Period.
- $600 Bonus – You maintained a balance of $100,000 or more for the first 90 days following the Initial Funding Period.
Make the deposits with the first 10 days of account opening
Your bonus will be based on the lowest amount maintained for 90 days.
If your balance drops to a lower tier at any point during the 90-day period, you will earn the lower tier bonus.
If you make additional deposits during the 90-day period to reach the next level tier, you will still only be eligible for the lower tiered balance.
You won’t be eligible for the bonus if you currently have, or have had, a 360 Money Market account with Capital One.
This bonus offer cannot be combined with any other Capital One Bank or Capital One 360 new account opening offer and is strictly non-transferable.
The offer is not valid for multiple accounts.
If you qualify for a bonus, Capital One will deposit the bonus money into your account in approximately 60 days following the 90-day balance maintenance period.
Once it’s deposited, the funds will be available immediately.
Account must be in good standing (not in default, closed, or suspended, or otherwise not in good standing).


MoneysMyLife Top Offer Picks Earn a $200 bonus when you open a new Chase Total Checking^® account and set up direct deposit. Also earn a $150 bonus when you open a new Chase Savings^SM account, deposit a total of $10,000 or more in new money within 10 days & maintain a $10,000 balance for 90 days. Apply for both offers and get a $350 total bonus. Full Review Learn More Get $300 when you open a new Chase Premier Plus Checking^SM account and set up direct deposit. This account has more features than the Chase Total Checking^® and the monthly service fee can be waived with a few different requirement options. A $300 Checking bonus is one of the best offers from Chase Bank. Full Review Learn More Earn $200 when you open a new Chase Total Business Checking^® account, deposit $1,000 in new money within 10 business days of account opening, maintain that balance for 60 days and complete five qualifying transactions within 60 days. This is the most popular Business Checking offer.Full Review Learn More Apply online for a new TD Bank Checking account to earn either a $300 bonus for the TD Premier Checking account ( $2,500 in direct deposits required), or a $150 bonus for the TD Convenience Checking account ($500 in direct deposits required). This is a limited time offer. Full Review Learn More Earn up to 25,000 bonus miles worth $250 in travel every year with the Barclays Arrival^® Premier World Elite Mastercard^®. Without an initial sign-up bonus, this credit card is intended for high spenders looking for a card to carry for the long-term. The card will earn unlimited miles at the rate of 2 miles per $1 spent on all purchases regardless of category. Full Review Learn More CIT Bank is offering a 1.75% APY rate with their Money Market Account for all balances. This account is available online nationwide and consistently offers one of the best rates in the nation. The minimum opening deposit is $100 and there are no fees for opening or maintaining the account. Full Review Learn More Ally Invest has a promotion where you can earn either 90 days of commission-free trades or a $200 cash bonus. The $200 bonus will require a deposit of at least $25,000 within 15 days of account opening and the execution of 3 trades within 90 days. The free trades offer will require a $10,000 minimum deposit. Full Review Learn More Simple Bank has an offer where you can earn a $20 bonus after opening their free online Checking account that's available nationwide. You'll then be able to earn unlimited $20 referral bonuses. Direct deposit isn't a requirement and all you and your referrals need to do is open a new account and use the Simple Visa debit card to make a first purchase. Full Review Learn More More Top Picks Hide

MoneysMyLife Top Offer Picks

Earn a $200 bonus when you open a new Chase Total Checking^® account and set up direct deposit. Also earn a $150 bonus when you open a new Chase Savings^SM account, deposit a total of $10,000 or more in new money within 10 days & maintain a $10,000 balance for 90 days. Apply for both offers and get a $350 total bonus. Full Review

Capital One 360 $25 Checking/Savings & $100 Money Market Bonus

If you’ve never had a Capital One 360 account before, you can earn a $25 bonus for a new Capital One 360 Checking and/or Capital One 360 Savings account. For the Money Market account, the bonus can range from $25 to $100 depending on your deposit amount.

Expiration: Offer is ongoing
Bonus Amount: $25 Checking, $25 Savings, or $25-$100 Money Market
Account(s) Eligible: Capital One 360 Checking, Savings, Money Market
Availability: Nationwide
Hard/Soft Inquiry: Soft
Direct Deposit Requirement: No
Monthly Service Fee: None

How To Earn The Bonuses

360 Savings account: Bonuses are only paid for accounts that are opened with an initial deposit of at least $250 from a non-Capital One 360 account. Initial deposit does not include bonus. The $25 bonus is available only for new 360 Savings accounts with a new Capital One 360 Customer as the primary account holder. Your $25 bonus will automatically be deposited into your account upon account opening. Bonus starts earning interest upon account opening, but is unavailable for withdrawal for 30 days, once the requirements are met.
360 Money Market account: Bonuses are only paid for accounts that are opened with an initial deposit of at least $250 from a non-Capital One 360 account. Initial deposit does not include bonus. Bonuses are only available for new 360 Money Market accounts with a new Capital One 360 Customer as the primary account holder. The balance/bonus tiers are: $250-$9,999.99 earns a $25 bonus; and deposits of $10,000 or more earn a $100 bonus. The maximum bonus you can earn is $100. Your bonus will automatically be deposited into your account upon account opening. Bonus starts earning interest upon account opening, but is unavailable for withdrawal for 30 days, once the requirements are met.
360 Checking account: Bonuses are only paid for accounts that are opened with an initial deposit of at least $250 from a non-Capital One 360 account, and that have a total of 3 Debit Card purchases or Person2Person Payments (or any combo of the two) post to the account within 45 days of account opening. Initial deposit does not include bonus. The $25 bonus is available only for new 360 Checking accounts with a new Capital One 360 Customer as the primary account holder. The $25 bonus will automatically be deposited into your account on day 50, once the requirements are met. Bonus starts earning interest upon deposit and is available for withdrawal immediately upon deposit.

Capital One 360 $1,000 In Referral Bonus Money

Once you have either(or both) the Capital One 360 Checking or Savings account open, you can refer friends and family. All you have to do is log in to your account online, click on the “Refer a Friend” link, and start referring via Facebook, Twitter, and Email with your own referral link.

You can earn $20 per referral, up to a total of $1,000 in bonus money. And to help entice your friends and family, they can also earn a sign-up bonuses by meeting the requirements on the offer page.

Expiration: None
Bonus Amount: Up To $1,000 Total
Account(s) Eligible: You can make referrals if you have any Capital One 360 account
Availability: Nationwide
Minimum Opening Deposit: The referred must make an initial deposit of at least $250.
Bonus Requirements:
- The referred must open an account using your referral link and make an initial deposit of $250.
- The $250 will be unavailable for withdrawal for 30 days.
- After the referred meets those requirements, your bonus will be deposited into your own open account.

$400 Bonus With Capital One 360 Checking!

Targeted, but high success rate with readers!

*Disclaimer: This $400 bonus offer is a targeted offer for current Capital One customers, so if you didn’t receive an email or mailer you’re said to be ineligible. That being said, we’ve had SEVERAL readers report that they’ve successfully received the bonus after meeting the requirements, despite not having received direct communication from Capital One 360. Take a look at the comment section below to see several successful attempts. We definitely think it’s worth a shot given the high bonus value.

*Use ref code “PLUS400“

Expired *awaiting an update on this offer
Bonus Amount: $400
Account(s) Eligible: Capital One 360 Checking
Availability: Nationwide
Hard/Soft Inquiry: Soft
Opening Deposit Credit Card Funding Eligibility: None
Direct Deposit Requirement: Yes, two $250+ within 60 days
Monthly Service Fee: None
Bonus Requirements:
- Open a 360 Checking Account by the expiration date
- Receive 2 direct deposits of $250 or more within 60 days of accepting terms and conditions for your new account.

Note on offer page:

IF YOU DID NOT RECEIVE AN EMAIL OR MAIL PIECE DIRECTLY FROM CAPITAL ONE 360 WITH THE ABOVE CODE, YOU ARE INELIGIBLE FOR THIS BONUS OFFER.

$100 Checking Bonus (Not Targeted)

$100 Bonus Offer Available Online

Unlike the $200 and $400 bonus offers below, this $100 Checking account bonus is available online and isn’t just a targeted offer.

$100 bonus expired *awaiting an update on this offer
Capital One 360 Checking eligible for the bonus
Offer is available to legal US residents of MA, NH, RI, or VT
Application will trigger a Soft Pull, which does not affect your credit
Offer will require 2 direct deposits to qualify (see ways of meeting this requirement)
There are no monthly service fees with this account

How To Earn The $100 Bonus

Open a new Capital One 360 Checking account and accept the terms/conditions by the offer expiration date.
Receive 2 direct deposits of $250 or more within 60 days of accepting the terms. Direct deposits must be an electronic deposit of one of the following: your paycheck from your employer, Social Security/pension or other government benefits. Direct deposit is subject ot employer or other payor options.
You will receive the $100 credit to your checking account about 90 days after your acceptance of account terms and conditions.
To qualify for the bonus, you must be the primary account holder, and this has to be your first 360 Checking account (this includes former Electric Orange accounts, too).

Capital One 360 Accounts Review

When you browse the Capital One 360 website, you’ll see the product portfolio includes checking, savings, CDs, home loans, business accounts, and more.

We’ll talk about their most popular accounts types below.

CheckingSavingsCDsMoney Market

The Capital One 360 Checking is a good option for online checking. It’s also one of the best accounts for using foreign ATMs.

There is no minimum balance to worry about, no monthly maintenance fees, and you get to use the 38,000 Allpoint ATMs along with the 2,000 Capital One ATMs nationwide, for free. Allpoint ATMs can be found at well-known businesses like 7-Eleven, Walgreens, CVS, Target, Tom Thumb, etc. Basically, you’ll have more options for free ATM use than with your local bank.

You’ll get a free MasterCard debit card, just like you would with your local bank.

How do you make deposits with an online checking account? Well, they have a mobile app that can handle that, along with all your common banking transactions. If you’ve never made a deposit through your smartphone before, you will learn to love the convenience it provides.

capital-one-mobile-app

You can protect yourself from insufficient funds by linking a free 360 Savings account, or by applying for an Overdraft Line of Credit (you borrow money to pay for insufficient funds).

Lastly, one of the coolest features of the Capital One 360 online checking account is that you actually earn a decent interest rate on your balance. There’s simply no comparison versus the local banks.

Update History:
12/28/2017: Savings Account finally gets a rate increase to 1.00% APY – a modest increase for an online Savings account

The Capital One 360 Savings is a very popular online Savings account option when there’s a bonus offer available. Otherwise, the highest rate is just 1.00% APY (at the time of this article update).

Just like with the checking account, there are no fees and no minimums to worry about here either.

You can use the mobile app to make deposits here also. You can also make deposits over the phone or by mailing in a paper check.

If your company does Direct Deposit, it might be a good idea to have your paycheck go straight into the Capital One 360 Savings account and just transfer over to your linked checking account as needed. The checking account can be a local bank or the Capital One 360 checking. Either way, the transfers are free of charge.

Of course, you’ll earn a much better interest rate compared to your local bank.

Here’s another area where Capital One 360 shines. Their CDs are becoming very popular with very competitive rates and just a $1 minimum balance requirement to earn the rate.

Update History:
03/15/2018: 12/18 Month CD terms get rate increases
02/18/2018: 12 Month to 60 Month CD terms get rate updates
11/22/2017: 12-60 Month CD terms get rate updates
10/19/2017: 18-60 Month CD terms get rate increases
09/12/2017: 18 – 60 Month CD terms get rate reductions
07/30/2017: 18 Month CD gets rate increase
07/09/2017: 24 Month CD rate increases to 1.60% APY from 1.45% APY
05/12/2017: 12 Month, 18 Month, 60 Month CD rate updates
03/17/2017: Rates increases for 9, 18, 24, 30, 60 Term CDs

Deposits are FDIC insured up to $250,000 per depositor
Terms from 6 months to 60 months
You can choose to get interest paid at the end of the term, monthly, or annually.

Current CD Rates
Term	APY
6 Month	0.40%
9 Month	0.60%
12 Month	2.05%
18 Month	2.10%
24 Month	2.20%
30 Month	2.20%
36 Month	2.30%
48 Month	2.40%
60 Month	2.65%
*We keep these rates updated daily, but always check directly with the bank for confirmation.

*Be sure to read my guide on CDs to find the best rates.

Top CD Accounts For Comparison:

Synchrony Bank, EverBank and Popular Direct have good CD accounts options, but view the ones offered by the following banks before deciding:

Capital One 360 currently offers some of the best rates with their Money Market account. This online account is also fee-free and FDIC insured.

Update History:
02/18/2018: Money Market rate increases from 1.40% APY to 1.50% APY for $10k+ balances
01/19/2018: Money Market rate increases from 1.30% APY to 1.40% APY for $10k+ balances
10/31/2017: Money Market rate increases from 1.20% APY to 1.30% APY for $10k+ balances
08/28/2017: Money Market rate increases to 1.20% APY for $10k+ balances
07/09/2017: Money Market rate increases to 1.10% APY for $10k+ balances

360 Money Market Rates
Account Balance	APY
$0-$9,999.99	0.85%
$10,000 or more	1.50%

Top Money Market Accounts For Comparison:

Everbank’s Money Market account currently has one of the best intro rates, while the CIT Money Market and BBVA Compass Money Market account has great ongoing rates. Sallie Mae Bank also consistently offers great rates. The banks below have the best Money Market accounts currently:

Top Bank Promotions You May Like

Check back at this page for the latest Capital One 360 promotions, bonuses and offers!

Chime Online/Mobile Banking Review: Checking & Savings

By: Tony Phan | Last Updated: March 7, 2018 | This content is not provided or commissioned by the issuer. Opinions expressed here are author’s alone, not those of the issuer, and have not been reviewed, approved or otherwise endorsed by the issuer. This site may be compensated through the issuer’s Affiliate Program. Please visit our Advertiser Disclosure for additional details.

Chime is a growing leader in the Mobile Banking sector, providing a Spending Account (a.k.a. Checking) and Savings Account that you manage via their highly rated app, available on iOS and Android devices.

*Simple Bank is another mobile banking leader worth comparing to (bonus offer available).

With Chime, there are no monthly fees, no minimum balance fees, no overdraft fees and no foreign transaction fees. All these savings come at the sacrifice of physical, in-branch service available with traditional bank accounts.

Rather than making a profit from charging fees to customers, Chime makes money from the Visa transaction fees paid by merchants.

Learn more at Chime

No Bank Fees With Chime

Chime states the average household in the U.S. pays more than $329 in bank fees each year, with the big banks bringing in more than 6 billion dollars in just overdraft fees alone in 2017.

Chime Vs. Typical Traditional Bank Accounts

	Chime	Typical Fees Of Big Banks
Overdraft Fees	$0	$38 per overdraft
Minimum Balance Fees	$0	$6-$15 per policy violation
Monthly Maintenance Fees	$0	$12-$23 per month
ACH Transfer Fees	$0	$3-$10 per transfer
Account Closing Fees	$0	$25 per policy violation
Card Replacement Fees	$0	$5-$25 per replacement
ATM Fees	$0	$0-2.50 per transaction
Foreign Transaction Fees	$0	3% per transaction
Out of Network ATM Fees	$2.50 (per out of network transaction)	$0-$2.50 per transaction

*Note: Chime accounts have access to over 30,000 fee-free ATMs in the MoneyPass network.

Chime Top Features

*Chime on iOS | Chime on Anroid

Spending Account: This is basically your Checking account, where you make deposits and manage all your expenses.
- Chime Visa Debit Card – use your Chime card for bills and purchases everywhere Visa is accepted.
- Direct Debit – pay bills electronically using the routing and your Chime account number.
- Fee-Free ATMs – more than 30,000 fee-free ATMs at MoneyPass locations and over 30,000 cash back locations. Locate these ATMs using the Chime app or at chimecard.com/atms.
- Direct Deposit – you can fund your account with direct deposit and receive your paycheck up to 2 days early.
- Bank Transfer – link your current bank account and move existing funds into your Chime account for free.
- Deposit Checks – you can deposit checks using a third-party app. They are working on Photo check deposit, which will be available soon.
- Deposit Cash – you can make cash deposits into your Chime account at any Green Dot location. Note: these locations may charge a fee for this service.
- Chime Checkbook – you won’t have physical checks to write and send off. Instead, Chime will send off a check in the mail for you.
- Pay Friends – you’re able to instantly send money to other Chime users, convenient for occasions such as when you split a dinner bill.
- Real-time Alerts & Notifications – receive daily balance notifications and real-time transaction alerts to your smartphone.
- Block Card – if you lose or misplace your Chime debit card, you can block its usage via the Chime app or with your online account.
- Apple Pay, Android Pay, Samsung Pay – use your Chime account with any of these services to make mobile payments.
Savings Account: Makes saving money easy with features you can opt in for. *Unfortunately, the rates are so low they’re not even worth mentioning. If you’re looking to keep money in a Savings account to earn interest, compare Savings rates here.
- Automatic Savings – every time you make a Chime card transaction, they will round up the amount and send it from your Spending to your Savings Account. You can also opt in to automatically have 10% of every paycheck transferred to your Savings Account.
Security: Chime accounts are insured through The Bancorp Bank, member FDIC. Security features include the Visa Zero Liability Policy, bank-level security, encryption, two-factor authentication, instant transaction alerts, and temporary card blocking.

Learn more at Chime


MoneysMyLife Top Offer Picks Earn a $200 bonus when you open a new Chase Total Checking^® account and set up direct deposit. Also earn a $150 bonus when you open a new Chase Savings^SM account, deposit a total of $10,000 or more in new money within 10 days & maintain a $10,000 balance for 90 days. Apply for both offers and get a $350 total bonus. Full Review Learn More Get $300 when you open a new Chase Premier Plus Checking^SM account and set up direct deposit. This account has more features than the Chase Total Checking^® and the monthly service fee can be waived with a few different requirement options. A $300 Checking bonus is one of the best offers from Chase Bank. Full Review Learn More Earn $200 when you open a new Chase Total Business Checking^® account, deposit $1,000 in new money within 10 business days of account opening, maintain that balance for 60 days and complete five qualifying transactions within 60 days. This is the most popular Business Checking offer.Full Review Learn More Apply online for a new TD Bank Checking account to earn either a $300 bonus for the TD Premier Checking account ( $2,500 in direct deposits required), or a $150 bonus for the TD Convenience Checking account ($500 in direct deposits required). This is a limited time offer. Full Review Learn More Earn up to 25,000 bonus miles worth $250 in travel every year with the Barclays Arrival^® Premier World Elite Mastercard^®. Without an initial sign-up bonus, this credit card is intended for high spenders looking for a card to carry for the long-term. The card will earn unlimited miles at the rate of 2 miles per $1 spent on all purchases regardless of category. Full Review Learn More CIT Bank is offering a 1.75% APY rate with their Money Market Account for all balances. This account is available online nationwide and consistently offers one of the best rates in the nation. The minimum opening deposit is $100 and there are no fees for opening or maintaining the account. Full Review Learn More Ally Invest has a promotion where you can earn either 90 days of commission-free trades or a $200 cash bonus. The $200 bonus will require a deposit of at least $25,000 within 15 days of account opening and the execution of 3 trades within 90 days. The free trades offer will require a $10,000 minimum deposit. Full Review Learn More Simple Bank has an offer where you can earn a $20 bonus after opening their free online Checking account that's available nationwide. You'll then be able to earn unlimited $20 referral bonuses. Direct deposit isn't a requirement and all you and your referrals need to do is open a new account and use the Simple Visa debit card to make a first purchase. Full Review Learn More More Top Picks Hide

MoneysMyLife Top Offer Picks

Earn a $200 bonus when you open a new Chase Total Checking^® account and set up direct deposit. Also earn a $150 bonus when you open a new Chase Savings^SM account, deposit a total of $10,000 or more in new money within 10 days & maintain a $10,000 balance for 90 days. Apply for both offers and get a $350 total bonus. Full Review

More Offers You May Like

Great bank offers can be found at our Bank Promotions Page, including top offers from Wells Fargo, Chase Bank, TD Bank, Regions and many more.

Simple Bank Review & Bonus Offer: Unlimited $20 Referrals

Simple Bank, an FDIC-insured checking account backed by their partner bank BBVA Compass, is a mobile-only bank account that is available for Android and iOS devices. Because of it’s unique nature and lack of fees, we’ve included it on our list of the best free Checking accounts.

They do not have any physical branch locations to serve customers and their headquarters is located at 1615 SE 3rd Ave #200 – Portland, OR 97214.

Be sure to also browse our popular Bank Promotions list as well!

Simple Bank $20 Per Referral Bonus (Unlimited)

$20 bonus for you and your referrals…

Once you have an account set up with Simple Bank, which is free to open with no minimum opening deposit or minimum balance requirements, you can start making $20 per referral. Your referrals will also earn a $20 bonus as well.

Referral offer has no set expiration date
There is no limit to the number of referrals you may make
How to earn the $20 bonus:
- You must be a new Simple customer who has not previously had an account to be referred and receive the bonus.
- Open a new Simple Bank account using the offer link from the referrer
- Put money in your Simple account by linking another account or setting up direct deposit.
- When your new card arrives, activate it, and go use it
- A $20 bonus will be credited to your account within 24 hours
- The account must be open and in good standing at the time the bonus is deposited.
- Simple may report the value of the bonus to the IRS as required by law.
- Any customer whose tax status would require Simple to impose tax withholding of any sort will not be eligible for this bonus.
- Employees of Simple are ineligible for this program.
How to earn unlimited $20 referral bonuses:
- Once you have a Simple Account open, make referrals using your personal referral link, or via Email, Facebook, or Twitter.
- Once your friend successfully opens an account and makes a purchase with their Simple Bank card for the first time, a $20 bonus will appear in both your accounts.
- The bonus will be credited within 24 hours to both accounts

*Use our referral link below to earn your $20 sign-up bonus, and then start earning more referral bonuses.

$20 Bonus Offer


MoneysMyLife Top Offer Picks Earn a $200 bonus when you open a new Chase Total Checking^® account and set up direct deposit. Also earn a $150 bonus when you open a new Chase Savings^SM account, deposit a total of $10,000 or more in new money within 10 days & maintain a $10,000 balance for 90 days. Apply for both offers and get a $350 total bonus. Full Review Learn More Get $300 when you open a new Chase Premier Plus Checking^SM account and set up direct deposit. This account has more features than the Chase Total Checking^® and the monthly service fee can be waived with a few different requirement options. A $300 Checking bonus is one of the best offers from Chase Bank. Full Review Learn More Earn $200 when you open a new Chase Total Business Checking^® account, deposit $1,000 in new money within 10 business days of account opening, maintain that balance for 60 days and complete five qualifying transactions within 60 days. This is the most popular Business Checking offer.Full Review Learn More Apply online for a new TD Bank Checking account to earn either a $300 bonus for the TD Premier Checking account ( $2,500 in direct deposits required), or a $150 bonus for the TD Convenience Checking account ($500 in direct deposits required). This is a limited time offer. Full Review Learn More Earn up to 25,000 bonus miles worth $250 in travel every year with the Barclays Arrival^® Premier World Elite Mastercard^®. Without an initial sign-up bonus, this credit card is intended for high spenders looking for a card to carry for the long-term. The card will earn unlimited miles at the rate of 2 miles per $1 spent on all purchases regardless of category. Full Review Learn More CIT Bank is offering a 1.75% APY rate with their Money Market Account for all balances. This account is available online nationwide and consistently offers one of the best rates in the nation. The minimum opening deposit is $100 and there are no fees for opening or maintaining the account. Full Review Learn More Ally Invest has a promotion where you can earn either 90 days of commission-free trades or a $200 cash bonus. The $200 bonus will require a deposit of at least $25,000 within 15 days of account opening and the execution of 3 trades within 90 days. The free trades offer will require a $10,000 minimum deposit. Full Review Learn More Simple Bank has an offer where you can earn a $20 bonus after opening their free online Checking account that's available nationwide. You'll then be able to earn unlimited $20 referral bonuses. Direct deposit isn't a requirement and all you and your referrals need to do is open a new account and use the Simple Visa debit card to make a first purchase. Full Review Learn More More Top Picks Hide

MoneysMyLife Top Offer Picks

Earn a $200 bonus when you open a new Chase Total Checking^® account and set up direct deposit. Also earn a $150 bonus when you open a new Chase Savings^SM account, deposit a total of $10,000 or more in new money within 10 days & maintain a $10,000 balance for 90 days. Apply for both offers and get a $350 total bonus. Full Review

About Simple Bank

Very similar to Moven, the Simple bank account is a more streamlined way of managing your personal finances using your smartphone. Like other banks that don’t operate in traditional branch locations, Simple doesn’t charge any fees.

The funds in your Simple account are held by The Bancorp Bank, and is FDIC insured up to the maximum $250,000.

Any permanent resident of the United States over 18 years of age that has a Social Security number can use a Simple account.

You’ll also need to own a device that can run the Simple mobile app on either Android or iOS.

While you can access most features through the web, Simple is more streamlined through their mobile app, which will let you do Photo Check deposits.

There Can Be Fees You Should Be Aware Of

While Simple does not charge any fees on their end, you should still be aware of these situations where you can incur a fee:

If you use an ATM outside of their fee-free network (40,000 totally free Allpoint ATMs), the ATM owner may charge a fee.
If you use your Simple card internationally, Visa will include an International Service Assessment (ISA) fee of up to 1% of the total transaction amount.

Simple Account Features

You’ll receive a Simple Visa Debit Card, which can be used just like any other debit card, and to withdraw cash from ATMs.
Make purchases both in stores and online
Budgeting tools available on the web and mobile app.
Deposit funds by direct deposit, transfers from a linked external account, photo check deposit with the app, and deposits by mail.
Move money between accounts with no holds, no checks, no fees, and no wait.
Deposit checks with your smartphone.
Everyday banking such as direct deposit, bill pay, and money transfers.
In-network ATMs are those in the Allpoint network, which has over 40,000 surcharge-free ATMs.
Export your Simple data in CSV or JSON format and download monthly statements in PDF format.
Just like any other bank account,you can link your Simple account to Square, Venmo, Paypal and other third party services.

Author’s Verdict

The Simple bank account is only going to appeal to a select market that is interested in these innovations. This account isn’t going to fulfill all your banking needs if you’re looking for a full suite of deposit accounts – there are no Savings, Money Market, CD or Business account options. If you’re up for trying out a free bank account that you can monitor and track your spending on your smartphone, Simple is worth a look and your funds will be insured. For another non-traditional bank account option available online only, the Capital One 360 set of Checking and Savings accounts are also popular and have sign-up bonuses.

More Bank Offers You May Like

See the best bank offers here, including popular bonuses from Chase Bank, TD Bank, Regions Bank and more.

Ally Bank Online Checking, Savings, CD, Investing Promotions

By: Tony Phan | Last Updated: February 14, 2018 | This content is not provided or commissioned by the issuer. Opinions expressed here are author’s alone, not those of the issuer, and have not been reviewed, approved or otherwise endorsed by the issuer. This site may be compensated through the issuer’s Affiliate Program. Please visit our Advertiser Disclosure for additional details.

Ally Bank is another great online-only bank, and offers nationwide online Checking, Savings, Money Market, CD and IRA accounts that earn market leading rates.

Ally Bank is an internet-only bank based in Utah and offers a wide variety of deposit accounts, as well as auto financing services.

Their online banking platform features Ally eCheck Deposit, which offers a simple way to deposit checks with your smartphone, computer scanner or free postage-paid envelopes. You can transfer between Ally accounts or between Ally and non-Ally accounts for free.

Because they operate solely online, there are no Ally Bank branches to visit, but this allows for higher rates than with traditional banks. Like most top online banks, they offer free ATM fee reimbursements for all of their accounts.

Ally Invest $200 Cash Bonus

With this promotion from Ally Invest, you can choose from either a $200 cash bonus offer or 90 days of free trades. If you’re transferring over from another brokerage, you can apply for a Transfer Fee Credit of up to $150 also.

Choose from a $200 cash bonus or 90 days of commission-free trades
$200 cash bonus:
- This offer is valid for one new individual or joint account, funded with at least $25,000 within 15 days of account opening, and that executes at least 3 trades within 90 days of account funding.
- New accounts are eligible for this special offer when opening a new Ally Invest account and funding with a minimum of $25,000 within 15 days with funds from outside Ally Invest Securities, LLC.
- The minimum funds of $25,000 must remain in the account (minus any trading losses) for a minimum of 90 days from date of funding account.
- You must apply for this promotional offer by clicking through the offer page to their online application and opening an account.
- New accounts receive cash credit within 10 business days of meeting promotion requirements.
- Bonus is not available for withdrawal for 120 days after it is awarded to your account.
Commission-Free Trades:
- This offer is valid for one new individual or joint account opened and funded with at least $10,000 within 15 days of account opening.
- The minimum funds of $10,000 must remain in the account (minus any trading losses) for a minimum of 90 days from date of funding account or Ally Invest may charge the account for the cost of the trades credited to the account.
- New accounts receive $500 in commission credit for equity, ETF and option trades executed within 90 days of funding the new account.
- Commission credit includes the per contract commission.
- The commission credit takes up to 2 business days from the funding date to be applied.
- Unused trades expire at the end of 90 days from the funding date of the new account.
- You will not receive cash compensation for any unused free trade commissions.
- Mutual fund, bonds, exercise and assignment fees still apply.
- New accounts are eligible for this special offer when opening a new Ally Invest account and funding with a minimum of $10,000 within 15 days with funds from outside Ally Invest Securities, LLC.
- You must apply for this promotional offer by clicking through the offer page to their online application and opening an account.

*See all Ally Invest promotions here


MoneysMyLife Top Offer Picks Earn a $200 bonus when you open a new Chase Total Checking^® account and set up direct deposit. Also earn a $150 bonus when you open a new Chase Savings^SM account, deposit a total of $10,000 or more in new money within 10 days & maintain a $10,000 balance for 90 days. Apply for both offers and get a $350 total bonus. Full Review Learn More Get $300 when you open a new Chase Premier Plus Checking^SM account and set up direct deposit. This account has more features than the Chase Total Checking^® and the monthly service fee can be waived with a few different requirement options. A $300 Checking bonus is one of the best offers from Chase Bank. Full Review Learn More Earn $200 when you open a new Chase Total Business Checking^® account, deposit $1,000 in new money within 10 business days of account opening, maintain that balance for 60 days and complete five qualifying transactions within 60 days. This is the most popular Business Checking offer.Full Review Learn More Apply online for a new TD Bank Checking account to earn either a $300 bonus for the TD Premier Checking account ( $2,500 in direct deposits required), or a $150 bonus for the TD Convenience Checking account ($500 in direct deposits required). This is a limited time offer. Full Review Learn More Earn up to 25,000 bonus miles worth $250 in travel every year with the Barclays Arrival^® Premier World Elite Mastercard^®. Without an initial sign-up bonus, this credit card is intended for high spenders looking for a card to carry for the long-term. The card will earn unlimited miles at the rate of 2 miles per $1 spent on all purchases regardless of category. Full Review Learn More CIT Bank is offering a 1.75% APY rate with their Money Market Account for all balances. This account is available online nationwide and consistently offers one of the best rates in the nation. The minimum opening deposit is $100 and there are no fees for opening or maintaining the account. Full Review Learn More Ally Invest has a promotion where you can earn either 90 days of commission-free trades or a $200 cash bonus. The $200 bonus will require a deposit of at least $25,000 within 15 days of account opening and the execution of 3 trades within 90 days. The free trades offer will require a $10,000 minimum deposit. Full Review Learn More Simple Bank has an offer where you can earn a $20 bonus after opening their free online Checking account that's available nationwide. You'll then be able to earn unlimited $20 referral bonuses. Direct deposit isn't a requirement and all you and your referrals need to do is open a new account and use the Simple Visa debit card to make a first purchase. Full Review Learn More More Top Picks Hide

MoneysMyLife Top Offer Picks

Earn a $200 bonus when you open a new Chase Total Checking^® account and set up direct deposit. Also earn a $150 bonus when you open a new Chase Savings^SM account, deposit a total of $10,000 or more in new money within 10 days & maintain a $10,000 balance for 90 days. Apply for both offers and get a $350 total bonus. Full Review

Ally Bank Interest Checking Account

Ally’s Interest checking account offers a competitive compounding interest rate for balances of $15,000 and up. You’ll get a free MasterCard debit card, free, checks, unlimited check writing, and free ATM reimbursements from any ATM nationwide. Plus there are no minimum opening deposits and no monthly maintenance fees to worry about. This account makes it onto our list of the best free Checking accounts.

Interest Checking Features

No month maintenance fees There’s 24/7 live customer care with a real person Use any Allpoint ATM in the U.S. for free, plus we reimburse up to $10 per statement cycle for fees charged at other ATMs nationwide	Application triggers a Soft Pull, which doesn’t affect your credit Deposit checks remotely with Ally eCheck Deposit Send someone money with Popmoney
*Current Interest Rate is 0.60% APY with a $15,000 minimum daily balance and 0.10% APY if you have a daily balance less than $15,000.

Compare To These Checking Accounts:

Below are a variety of online Checking accounts to compare with Ally Bank before making a decision. You can also find all the latest bank promotions here.

Ally Bank Online Savings Account

Ally Bank’s Online Savings account typically offers one of the best interest rates in the country for savings accounts. There are no monthly maintenance fees and no minimum opening deposit requirements. Like all Savings accounts, you’ll get up to 6 withdrawals per month without a fee ($10 for each outbound transfer after 6, which excludes checks).

Update History:
02/13/2018: Online Savings rate increases from 1.35% APY to 1.45% APY
01/19/2018: Online Savings rate increases from 1.25% APY to 1.35% APY
10/31/2017: Online Savings rate increases again to 1.25% APY
09/06/2017: Online Savings rate increases from 1.15% APY to 1.20% APY
07/24/2017: Online Savings rate increases from 1.05% APY to 1.15% APY
04/24/2017: Online Savings rate increases from 1.00% APY to 1.05% APY

Online Savings Features

Current Online Savings Rate: 1.45% APY on ALL balance tiers

Clients can deposit checks remotely via Ally eCheck Deposit
Interest compounds daily (great for accounts with large balances)
Deposits are insured by the FDIC
Allows transfers between other Ally Bank accounts and external accounts
Transfers can be scheduled a year in advance
Six transactions per statement cycle as required by federal law. Clients that make more than six transactions incur a $10 fee per additional occurrence.

Another thing to consider is Ally Bank’s overdraft fees. Customers are charged $25 for overdrafts but have the option to use Ally’s overdraft transfer service for free. This service transfers funds from one Ally Bank account into another Ally Bank account when your balance becomes too low to handle a transaction. This protects your account from going into the negative but will cost you around $10 each time.

Ally’s APY Vs. Traditional Banks

With an APY of 1.45% on all balance tiers, Ally Bank offers a higher rate than several of it’s competitors, giving clients the opportunity to gain more interest on their balances. The higher your balance, the more you are likely to gain in interest.

Free Services And Transactions Include

Online Statements
Unlimited deposits
Cashier’s Checks
International and Domestic Wires (incoming)
ACH transfers to external bank account
Deposit envelopes (postage-paid)

You can manage your accounts online on your desktop and mobile devices. Should you find an unauthorized transaction, Ally won’t hold you liable as long as you report the incident within 60 days of when your statement comes out.

*Use our Savings/Money Market Rates Guide to find the best rates currently

Compare To These Top Savings Accounts:

We’d recommend looking at the Salem Five Direct eSavings and CIT Bank Savings accounts as well for good rates and bonuses. Chase Bank’s Savings account doesn’t have a good rate, but the sign-up bonus is great. You can find the latest Savings Account bonuses here.

Ally Bank Online Money Market Account

Ally Bank’s Money Market account is similar to the Online Savings account. You’ll have extra features like a debit card, free checks, and ATM fee reimbursements. Rates are good and there’s no minimum deposit or monthly balance requirements.

Update History:
01/19/2018: Ally Bank updates its tiered rates
09/06/2017: Money Market rate increases from 0.85% APY to 0.90% APY

Money Market Features

No monthly maintenance fees
Unlimited deposits and ATM withdrawals, and up to 6 additional transactions
Earn a higher rate than most money market accounts
Deposit checks remotely with Ally eCheck Deposit
Grow your money faster with interest compounded daily
Your deposits are insured by the FDIC up to the maximum allowed by law

Rates

Balance	APY Rate
$0 To $4,999	0.90%
$5,000 to $24,999	0.90%
$25,000+	1.00%

Compare To These Top Money Market Accounts:

Take a look at the Money Market accounts from EverBank and BBVA Compass bank before deciding. The banks below offer some of the best Money Market rates:

Ally Bank Online CD Accounts

CDs and IRA CDs are also available and come in term lengths from 3 months to 5 years. They have a few different CD options, including the High Yield CD, Raise Your Rate CD, and No Penalty CD.

Update History:
02/13/2018: 6 to 60 Month Hield Yield CDs get rate increases
01/24/2018: Raise Your Rate 2 & 4 Year CD terms get rate increases
01/19/2018: No Penalty CD and all High Yield CD terms get rate updates
01/19/2018: New promotional rate on Select CD
01/06/2018: 11 Month No Penalty CD gets rate increase
01/06/2018: 2 & 4 Year Raise Your Rate CDs get rate increases
01/06/2018: 1 to 5 Year High Yield CD terms get rate increases
05/22/2017: 12 Month CD rate increases to 1.35% APY
04/24/2017: 5 Year High Yield CD rates increase
04/11/2017: 9 Month High Yield CD rates increase. Rate updates to 11 Month No Penalty CDs.
03/26/2017: 1 & 5 Year High Yield CD rates increase; 2 & 4 Year Raise Your Rate CD rate increases
03/05/2017: 5 Year High Yield CD gets rate increases
02/14/2017: 11 Month No Penalty CD rate decreases to 0.87% APY
12/19/2016: 11 Month No Penalty CD rate increased to 1.25% Fixed APYa
12/02/2016: 18 Month and 3 Year High Yield CD Term rates updated

Compare Ally Bank’s CD Options

High Yield CDRaise Your Rate CDNo Penalty CD

Maximum savings with a fixed rate Early withdrawal penalty will apply Available as an IRA
CD Term	Minimum Opening Deposit	APY
5 Year CD	Up to $4,999.99	2.25%
	$5,000 – $24,999.99	2.40%
	$25,000+	2.50%
3 Year CD	Up to $4,999.99	1.85%
	$5,000 – $24,999.99	2.00%
	$25,000+	2.10%
18 Month CD	Up to $4,999.99	1.80%
	$5,000 – $24,999.99	1.95%
	$25,000+	2.05%
12 Month CD	Up to $4,999.99	1.75%
	$5,000 – $24,999.99	1.85%
	$25,000+	2.00%
9 Month CD	Up to $4,999.99	1.55%
	$5,000 – $24,999.99	1.65%
	$25,000+	1.80%
6 Month CD	Up to $4,999.99	1.50%
	$5,000 – $24,999.99	1.60%
	$25,000+	1.75%
3 Month CD	Up to $4,999.99	1.00%
	$5,000 – $24,999.99	1.25%
	$25,000+	1.50%

Start with a great rate, plus have the opportunity to increase your rate once over the 2-year term or twice over the 4-year term if our rate for your term and balance tier goes up on these CDs Early withdrawal penalty will apply Available as an IRA
CD Term	APY
2 Year CD	2.00%
4 Year CD	2.00%

Flexibility prior to maturity You can withdraw all your money any time after the first six days following the date you funded the account, and keep the interest earned with no penalties
CD Term	Minimum Opening Deposit	APY
11 Month CD	Up to $4,999.99	1.15%
11 Month CD	$5,000 – $24,999.99	1.25%
11 Month CD	$25,000+	1.50%

Compare To These Top CD Accounts:

Read my Best CD Rates guide before deciding, but also take a look a Synchrony CDs, EverBank CDs, and BBVA Compass CDs for some good rates. The banks below have the best CD rates at the moment.

You may also like these bank bonuses:

Get all updated bank sign-up offers here.

Bank Of Internet Checking, Savings, CD Bonuses: $50 Checking Promotion

By: Tony Phan | Last Updated: February 27, 2018 | This content is not provided or commissioned by the issuer. Opinions expressed here are author’s alone, not those of the issuer, and have not been reviewed, approved or otherwise endorsed by the issuer. This site may be compensated through the issuer’s Affiliate Program. Please visit our Advertiser Disclosure for additional details.

Bank of Internet USA is available to everyone nationwide, and you can find new sign-up promotions and bonuses here.

This is an online-only bank, so you’re going to avoid most fees traditional banks charge, plus the Checking account actually earns a good interest rate.

*See all bank promotions and bonuses here

Bank of Internet Savings And Money Market Accounts

Bank of Internet’s Online Smart Savings Account and Smart Money Market Account both offer rates that are good, but not quite great (see better Savings/Money Market rates here).

Update History:
01/30/2018: Smart Savings Account rate gets an increase to 1.30% APY

Account Features

Smart Savings Account Features	Smart Money Market Account Features
Earn 1.30% APY	Earn 1.05% Apy
No monthly maintenance fees	No monthly maintenance fees
No minimum monthly account balance requirements	No minimum monthly balance
Free ATM card upon request	Check writing flexibility
Free Online Banking/Bill Pay	Free Visa Debit Card
Free Mobile Banking	Free Online Banking/Bill Pay
Free Mobile Deposit	Free Mobile Banking
	Free Mobile Deposit

Compare it to the top Money Market Accounts from these banks:

We recommend taking a look at the Money Market accounts from BBVA Compass, EverBank, and Sallie Mae Bank before making a decision. Below are more top options.


MoneysMyLife Top Offer Picks Earn a $200 bonus when you open a new Chase Total Checking^® account and set up direct deposit. Also earn a $150 bonus when you open a new Chase Savings^SM account, deposit a total of $10,000 or more in new money within 10 days & maintain a $10,000 balance for 90 days. Apply for both offers and get a $350 total bonus. Full Review Learn More Get $300 when you open a new Chase Premier Plus Checking^SM account and set up direct deposit. This account has more features than the Chase Total Checking^® and the monthly service fee can be waived with a few different requirement options. A $300 Checking bonus is one of the best offers from Chase Bank. Full Review Learn More Earn $200 when you open a new Chase Total Business Checking^® account, deposit $1,000 in new money within 10 business days of account opening, maintain that balance for 60 days and complete five qualifying transactions within 60 days. This is the most popular Business Checking offer.Full Review Learn More Apply online for a new TD Bank Checking account to earn either a $300 bonus for the TD Premier Checking account ( $2,500 in direct deposits required), or a $150 bonus for the TD Convenience Checking account ($500 in direct deposits required). This is a limited time offer. Full Review Learn More Earn up to 25,000 bonus miles worth $250 in travel every year with the Barclays Arrival^® Premier World Elite Mastercard^®. Without an initial sign-up bonus, this credit card is intended for high spenders looking for a card to carry for the long-term. The card will earn unlimited miles at the rate of 2 miles per $1 spent on all purchases regardless of category. Full Review Learn More CIT Bank is offering a 1.75% APY rate with their Money Market Account for all balances. This account is available online nationwide and consistently offers one of the best rates in the nation. The minimum opening deposit is $100 and there are no fees for opening or maintaining the account. Full Review Learn More Ally Invest has a promotion where you can earn either 90 days of commission-free trades or a $200 cash bonus. The $200 bonus will require a deposit of at least $25,000 within 15 days of account opening and the execution of 3 trades within 90 days. The free trades offer will require a $10,000 minimum deposit. Full Review Learn More Simple Bank has an offer where you can earn a $20 bonus after opening their free online Checking account that's available nationwide. You'll then be able to earn unlimited $20 referral bonuses. Direct deposit isn't a requirement and all you and your referrals need to do is open a new account and use the Simple Visa debit card to make a first purchase. Full Review Learn More More Top Picks Hide

MoneysMyLife Top Offer Picks

Earn a $200 bonus when you open a new Chase Total Checking^® account and set up direct deposit. Also earn a $150 bonus when you open a new Chase Savings^SM account, deposit a total of $10,000 or more in new money within 10 days & maintain a $10,000 balance for 90 days. Apply for both offers and get a $350 total bonus. Full Review

Bank Of Internet $50 Checking Bonus And 1.25% APY

This $50 bonus offer from Bank of Internet is for a new Rewards Checking account and the requirements are pretty simple. There is no Direct Deposit to worry about. All you need to do is maintain a minimum $1000 average daily balance for 90 days.

Promotion Link: $50 Promotion
Expiration: Expired
Bonus Amount: $50 and 1.25% APY
Competitor Bonus:
Account(s) Eligible: Rewards Checking account
Availability: Nationwide
Hard/Soft Inquiry: Unknown
Opening Deposit Credit Card Funding Eligibility: Unknown
Direct Deposit Requirement: None
Monthly Service Fee: None
Minimum Opening Deposit: $100
Bonus Requirements:
- Open a new Rewards Checking account with a minimum $100 opening deposit and maintain an average daily balance of $1000 for 90 days to earn the $50 bonus.
- The bonus will be deposited after 90 days.
*Tips:
- The account must remain open for 180 days or an early closure fee of $50 may apply!

Account Features

No monthly maintenance fee
No minimum monthly balance
No overdraft or non-sufficient funds fees
Earn up to 1.25% APY
Unlimited domestic ATM reimbursements
Cashback Purchase Rewards
Free Online Banking/Bill Pay
Free Mobile Banking
Free Mobile Deposit

The 1.25% APY actually can only be had by meeting three requirements, each allowing you to earn part of that total APY.

Current Rate Tier (Minimum to earn APY)	APY
Receive monthly direct deposits totaling $1,000 or more	.4166%
Using Rewards Checking Visa Debit Card at least 10 times per month for everyday purchases.(min $3 per transaction)	.4166%
Using Rewards Checking Visa Debit Card for 15 or more times per month for everyday purchases. (min $3 per transaction)	.4166%
Total APY	1.25%

Related Promotions:

Find all the best Checking Account bonus offers here, including top bonuses from Chase Bank, TD Bank, Wells Fargo, etc.

Bank Of Internet CD Accounts

The CD accounts from Bank of Internet are also not market leading, but still very competitive. Be sure to use our Best CD Rates Guide if you’re looking to open a CD accounts with good rates.

CD Accounts Features

3 to 60 month terms are available
Minimum opening deposit is $1,000
No set up or maintenance fees to worry about
There’s auto renewal with a 10-day grace period once the CD matures

Here Are The Rates

Update History:
07/09/2017: 60 Month CD rates increases to 2.25% APY

Term	APY
3 month	0.55%
6 month	0.75%
12 month	1.00%
24 month	1.20%
36 month	1.30%
48 month	1.40%
60 month	2.25%

Compare With These CD Accounts:

EverBank, Synchrony and Popular Direct all have some good CD rates as well. The best rates can be had with the banks below.

Check back at this page for all the latest promotions and offers from Bank of Internet!

Bank5 Connect Checking/Savings/CDs Review & Promotions

Bank5 Connect is an online-only bank, and I’ll review their Checking and Savings accounts here, along with any current promotions and bonus opportunities.

Just like other online bank competitors, Bank5 Connect has lower overhead costs compared to traditional brick-and-mortar banks, and that results in better rates and fewer fees for the customer.

Bank5 Connect offers Checking, Savings and CD (Certificates of Deposit) account options. You can do just about everything online, including making deposits and transferring funds.

Bank5 Connect High Interest Checking

The Bank5 Connect High Interest Checking is on top of many “Best Online Checking Account” lists, and rightfully so.

It features most of what you’d expect from traditional Checking accounts:

Make deposits
Write checks
Debit card
Online bill pay

On top of that, you’re going to get many of the perks you’ll only find with online banking:

No monthly maintenance fee
Free online banking/billpay/eStatements
Free mobile banking
UChoose Debit Rewards program
Free first order of basic checks
Free ATMs anywhere, anytime!
- Bank5 Connect will never charge you for using an ATM and will reimburse other banks’ surcharges up to $15 per statement cycle.

And here’s how the Bank5 Connect High Interest Checking account competes with other online Checking accounts:

Earns a great interest rate for a Checking account
Minimum balance to open is only $10
Minimum balance to earn interest is only $100

CURRENT RATE FOR BALANCES OVER $100: 0.76% APY Here are some examples of the estimated annual earnings based on the average monthly balance for an interest rate of 0.76% APY:
Average Monthly Balance	Estimated Annual Earnings
$ 1,000.00	$ 7.63
$ 5,000.00	$ 38.13
$ 10,000.00	$ 76.27
$ 15,000.00	$ 114.40
$ 20,000.00	$ 152.53
$ 25,000.00	$ 190.66
$ 50,000.00	$ 381.33
$ 100,000.00	$ 762.65

It may not seem like much, but traditional Checking accounts are offering rates like 0.1% APY!

Bank5 Connect Checking Account Fees
First order of checks	Free
Cashiers check	Free
Overdraft Transfer	Free
Incoming Wire	Free
Returned Deposited Item	$5.71
Overdraft	$15.00
Uncollected Funds	$15.00
Stop Payment	$15.00
Garnishments	$25.00
Levies	$25.00

Compare To These Online Checking Accounts:

Ally Bank, Capital One 360 and EverBank all have popular online Checking accounts and often have bonus offers. Also take a look at Checking Account bonus offers as well. See more online Checking accounts below:


MoneysMyLife Top Offer Picks Earn a $200 bonus when you open a new Chase Total Checking^® account and set up direct deposit. Also earn a $150 bonus when you open a new Chase Savings^SM account, deposit a total of $10,000 or more in new money within 10 days & maintain a $10,000 balance for 90 days. Apply for both offers and get a $350 total bonus. Full Review Learn More Get $300 when you open a new Chase Premier Plus Checking^SM account and set up direct deposit. This account has more features than the Chase Total Checking^® and the monthly service fee can be waived with a few different requirement options. A $300 Checking bonus is one of the best offers from Chase Bank. Full Review Learn More Earn $200 when you open a new Chase Total Business Checking^® account, deposit $1,000 in new money within 10 business days of account opening, maintain that balance for 60 days and complete five qualifying transactions within 60 days. This is the most popular Business Checking offer.Full Review Learn More Apply online for a new TD Bank Checking account to earn either a $300 bonus for the TD Premier Checking account ( $2,500 in direct deposits required), or a $150 bonus for the TD Convenience Checking account ($500 in direct deposits required). This is a limited time offer. Full Review Learn More Earn up to 25,000 bonus miles worth $250 in travel every year with the Barclays Arrival^® Premier World Elite Mastercard^®. Without an initial sign-up bonus, this credit card is intended for high spenders looking for a card to carry for the long-term. The card will earn unlimited miles at the rate of 2 miles per $1 spent on all purchases regardless of category. Full Review Learn More CIT Bank is offering a 1.75% APY rate with their Money Market Account for all balances. This account is available online nationwide and consistently offers one of the best rates in the nation. The minimum opening deposit is $100 and there are no fees for opening or maintaining the account. Full Review Learn More Ally Invest has a promotion where you can earn either 90 days of commission-free trades or a $200 cash bonus. The $200 bonus will require a deposit of at least $25,000 within 15 days of account opening and the execution of 3 trades within 90 days. The free trades offer will require a $10,000 minimum deposit. Full Review Learn More Simple Bank has an offer where you can earn a $20 bonus after opening their free online Checking account that's available nationwide. You'll then be able to earn unlimited $20 referral bonuses. Direct deposit isn't a requirement and all you and your referrals need to do is open a new account and use the Simple Visa debit card to make a first purchase. Full Review Learn More More Top Picks Hide

MoneysMyLife Top Offer Picks

Earn a $200 bonus when you open a new Chase Total Checking^® account and set up direct deposit. Also earn a $150 bonus when you open a new Chase Savings^SM account, deposit a total of $10,000 or more in new money within 10 days & maintain a $10,000 balance for 90 days. Apply for both offers and get a $350 total bonus. Full Review

Bank5 Connect High-Interest Savings Account

You can also choose to link the Bank5 Connect Savings account to the Checking account for overdraft protection. Plus, you’ll earn a bit more interest on the funds that you set aside here.

The minimum balance to open a Bank5 Connect Savings account is $10.
The minimum balance to earn interest is $100.

CURRENT RATE FOR BALANCES OVER $100: 0.90% APY Here are some examples of the estimated annual earnings based on the average monthly balance for an interest rate of 0.90% APY:
Average Monthly Balance	Estimated Annual Earnings
$ 1,000.00	$ 9.04
$ 5,000.00	$ 45.19
$ 10,000.00	$ 90.37
$ 15,000.00	$ 135.56
$ 20,000.00	$ 180.74
$ 25,000.00	$ 225.93
$ 50,000.00	$ 451.86
$ 100,000.00	903.72

Savings Accounts For Comparison:

The CIT Bank Savings and Popular Direct accounts are also good choices. Visit our Savings and Money Market Rates page for a thorough comparison. Be sure to take a look at some Savings account bonuses also. See more below:

Bank5 Connect High Yield CDs

Bank5 actually has some of the best CD rates in the market. Here are some of the benefits:

Only a $500 minimum deposit
There are no monthly maintenance fees associated with Bank5 CDs
Connect CDs have terms of 6, 12, 18, and 36 months
Investment CD has a term of 24 months
All Bank5 Connect CDs are FDIC Insured for up to $250,000
Once the CD matures, you have the opportunity to deposit additional funds and roll it over into a new term

Bank5 CD Rates

Update History:
11/22/2017: 6 & 24 Month CD terms get rate increases
10/17/2017: 18 Month CD gets rate increase

Term	Min. Deposit	Min. Deposit To Earn APY	APY
6 month CD	$500.00	$500.00	1.45%
12 month CD	$500.00	$500.00	1.00%
18 month CD	$500.00	$500.00	1.75%
24 month Investment CD	$500.00	$500.00	2.10%
36 month CD	$500.00	$500.00	1.50%

Compare To These Top CD Accounts:

If you’re interested in a CD account, be sure to read my guide on the best CD rates. Synchrony Bank, EverBank, and BBVA Compass all have popular CD accounts at the moment. More below:

Capital One Spark Business Checking Account Review

The Capital One Spark Business Checking^SM account is one of the best free business checking account options available currently. We’ll review all the benefits you’ll enjoy, but also go over why it may not suit your particular needs.

All About The Spark Business Checking Account

Businesses looking for a solid checking account option typically have to deal with three issues:

Monthly service fees: This is the monthly charge that occurs as long as your account is open. It could be as little as $8, or it could be upwards of $35 monthly for premier accounts. You’ll usually have the option of waiving this fee with monthly requirements such as an average daily balance minimum.
Excess transaction fees: These fees are charged when you go over your monthly limit on banking services like writing checks, debit card transactions and ATM deposits.
Cash handling fees: When this fee is applicable, you’ll be charged for going over your monthly cash deposit limit.

Here’s why the Spark Business Checking account is such a good choice for many business owners – you won’t have ANY of the above fees.

Is it too good to be true? Well, maybe for some. They are able to avoid these fees because it’s an online-only bank account. And this brings up the biggest pitfall with the Spark Business Checking – you won’t have access to in-branch person-to-person customer service.

Even though Capital One has physical branch locations, they won’t be able to service this digital Spark Business Checking account in-branch.

You’ll still have access to the 2,000 Capital One ATMs and 38,000 Allpoint ATMs nationwide for withdrawals, which will be fee-free. Depositing cash can be tricky, as only certain Capital One ATMs have the cash deposit functionality. Otherwise, you’ll have to go the route people take with other online bank accounts, where you first deposit into a different Checking account before transferring funds over to the Spark Business Checking.

Sure it can be a little bit of a hassle, but all the savings in fees may be worth it for you. The trouble may be too much for a local business with a high amount of cash transactions, but it will pair perfectly with an online business or mostly credit card-only establishment. Either way, the Spark Business Checking is worth a look as either a primary or secondary business Checking option. If you require an account with access to in-branch service, the US Bank Silver Business Package Checking and the Wells Fargo Business Choice Checking are two good options. See all the Best Free Business Checking Accounts.

You can also pair it with the Spark Business Savings account, which has a 1.00% APY rate offer for the first year.

No monthly transaction limits
No monthly fees
Mobile deposits available next day
No minimum balance required
40,000 fee-free ATMs nationwide
Free online invoicing
Free online bill pay
Spark Business mobile app

Applying

You have the option of opening both the Checking & Savings account, or either one individually. Be sure you have all of the following before applying:

Your legal structure (sole proprietorship, LLC, corporation, etc.)
Your legal business name
Formation details (state and year of formation)
Your annual revenue
Business contact information

Give them a call at: 1-844-88-SPARK 8AM-11PM ET

Account Details


MoneysMyLife Top Offer Picks Earn a $200 bonus when you open a new Chase Total Checking^® account and set up direct deposit. Also earn a $150 bonus when you open a new Chase Savings^SM account, deposit a total of $10,000 or more in new money within 10 days & maintain a $10,000 balance for 90 days. Apply for both offers and get a $350 total bonus. Full Review Learn More Get $300 when you open a new Chase Premier Plus Checking^SM account and set up direct deposit. This account has more features than the Chase Total Checking^® and the monthly service fee can be waived with a few different requirement options. A $300 Checking bonus is one of the best offers from Chase Bank. Full Review Learn More Earn $200 when you open a new Chase Total Business Checking^® account, deposit $1,000 in new money within 10 business days of account opening, maintain that balance for 60 days and complete five qualifying transactions within 60 days. This is the most popular Business Checking offer.Full Review Learn More Apply online for a new TD Bank Checking account to earn either a $300 bonus for the TD Premier Checking account ( $2,500 in direct deposits required), or a $150 bonus for the TD Convenience Checking account ($500 in direct deposits required). This is a limited time offer. Full Review Learn More Earn up to 25,000 bonus miles worth $250 in travel every year with the Barclays Arrival^® Premier World Elite Mastercard^®. Without an initial sign-up bonus, this credit card is intended for high spenders looking for a card to carry for the long-term. The card will earn unlimited miles at the rate of 2 miles per $1 spent on all purchases regardless of category. Full Review Learn More CIT Bank is offering a 1.75% APY rate with their Money Market Account for all balances. This account is available online nationwide and consistently offers one of the best rates in the nation. The minimum opening deposit is $100 and there are no fees for opening or maintaining the account. Full Review Learn More Ally Invest has a promotion where you can earn either 90 days of commission-free trades or a $200 cash bonus. The $200 bonus will require a deposit of at least $25,000 within 15 days of account opening and the execution of 3 trades within 90 days. The free trades offer will require a $10,000 minimum deposit. Full Review Learn More Simple Bank has an offer where you can earn a $20 bonus after opening their free online Checking account that's available nationwide. You'll then be able to earn unlimited $20 referral bonuses. Direct deposit isn't a requirement and all you and your referrals need to do is open a new account and use the Simple Visa debit card to make a first purchase. Full Review Learn More More Top Picks Hide

MoneysMyLife Top Offer Picks

Earn a $200 bonus when you open a new Chase Total Checking^® account and set up direct deposit. Also earn a $150 bonus when you open a new Chase Savings^SM account, deposit a total of $10,000 or more in new money within 10 days & maintain a $10,000 balance for 90 days. Apply for both offers and get a $350 total bonus. Full Review