15 best new bank account promotions and bonuses for July 2026: Earn up to $3,000
If you’ve followed the eligibility requirements, your cash bonus will be paid into your Spending Account within 30 days after you reach the second consecutive monthly $1,000 QDD minimum. Set up qualifying direct deposits of at least $1,000 a month for two consecutive months. The most overdraft-friendly checking accounts tend to have no overdraft coverage fees, multiple ways to cover a negative balance (such as overdraft transfer from a linked savings account or line of credit), and low costs for those alternative overdraft programs. For providers without one or more types of accounts, the overall rating is modified to include only applicable categories.
There is no minimum Eligible Direct Deposit amount required to qualify for the 3.30% APY for savings (including Vaults). SoFi members with Eligible Direct Deposit can earn 3.30% annual percentage yield (APY) on savings balances (including Vaults) and 0.50% APY on checking balances. SoFi Checking and Savings is offered through SoFi Bank, N.A., Member FDIC. Earn $50 or $400 when you sign up and set up eligible direct deposit after opening a new SoFi online bank account. Once these requirements are met, you’ll receive your bonus within 14 days.
The actions required for this bonus are separate from the actions available to avoid the monthly service fee. Neither TD Bank US Holding Company, nor its subsidiaries or affiliates, is responsible for the content of the third-party sites hyperlinked from this page, nor do they guarantee or endorse the information, recommendations, products or services offered on third party sites. Upon the primary account holder’s 24th birthday the account will be subject to the monthly maintenance fee unless account requirements that waive the monthly maintenance fee are met. 4TD Beyond Checking accounts are eligible for monthly maintenance fee waivers on all personal savings accounts that you choose to link to your TD Beyond Checking account. To learn more about how your data is collected and used, please read our privacy notice. After you have met the above requirements, we’ll deposit the bonus into your new account within 30 days.
SoFi Checking and Savings Account: Up to $400 bonus
If you are subject to backup withholding at the time of payment, we may withhold the required amount and remit to tax authorities. We will report the bonus as income to tax authorities, as required by applicable law. Once you have met all requirements, we will deposit the bonus into your new account within 30 calendar days. You must open a new, eligible checking account and make $1,000 or more in qualifying direct deposits within the first 90 days of offer enrollment.
Chime® Checking Account: Up to $300 bonus
We’ve rounded up additional excellent checking account bonuses and savings account promotions below. In 2026, checking account bonus offers could land you between $100 and $3,000. Tony began his NerdWallet career as a writer and worked his way up to editor and then to head of content on the banking team. She previously edited content on personal finance topics at GOBankingRates. Ruth Sarreal is an editor and content strategist covering consumer banking topics at NerdWallet. We’re here to help with flexible savings and investing options to keep your cash working while you focus on your business.
Our Chase Total Checking account is loaded with features for everyday needs
Chase isn’t responsible for (and doesn’t provide) any products, services or content at this third-party site or app, except for products and services that explicitly carry the Chase name. Chase Total Checking® has a $15 monthly service fee, you can avoid the fee with direct deposits totaling $500 or more, or a minimum average daily balance each statement period. Chase checking accounts also include FDIC insurance up to the maximum amount allowed by law. Other deposits or credits to your account, such as deposits of funds from person-to-person payments services (e.g., Zelle®), check or mobile deposits, and other online transfers are not eligible for TD Early Pay. 12For certain eligible direct deposits, we may make funds available for your use up to two business days before we receive the funds from your payor with our service, TD Early Pay. 11TD Bank Mobile Deposit is available to Customers with an active checking, savings or money market account and using a supported, internet-enabled iOS or Android device with a camera.
- The rate was lowered three times in 2025; the most recent change was made in December.
- $10,000 relationship (receive $25 fee if below $10,000 threshold. See details.)
- ON THIS PAGEMore information about bank bonuses, checking account bonuses, and savings account bonuses
- Each provider is evaluated across five weighted categories and 30 subcategories, including checking and savings accounts, certificates of deposit, customer experience, and overdraft services.
- If you’d like to open a new account, we’re here to help with current rates, term options and more.
- You must open a new, eligible checking account and make $1,000 or more in qualifying direct deposits within the first 90 days of offer enrollment.
Free Overdraft Protection Transfers⁵
We’re here to help with options and answers you need from being pre-approved to purchase your first home to refinancing your mortgage. If you’d like to open a new account, we’re here to help with current rates, term options and more. Hundreds of hometown locations in Illinois, Minnesota & Wisconsin.
You may also need to meet additional conditions, such as maintaining a minimum balance or setting up direct deposit. Once betmica you’ve met the requirements to earn a new bank account offer, you’ll receive your bonus in your account within a few days, in many cases. Once these qualifications are met, your bonus will be deposited into your new checking account within 30 days. Members without Eligible Direct Deposit will earn 1.00% APY on savings balances (including Vaults) and 0.50% APY on checking balances.
Bank Deposits FDIC-insured up to $500,000 if certain conditions are met6
- Tony began his NerdWallet career as a writer and worked his way up to editor and then to head of content on the banking team.
- Set up qualifying direct deposits of at least $1,000 a month for two consecutive months.
- BONUS EARNED will be paid within 120 days from account opening
- If you’ve followed the eligibility requirements, your cash bonus will be paid into your Spending Account within 30 days after you reach the second consecutive monthly $1,000 QDD minimum.
- Ruth Sarreal is an editor and content strategist covering consumer banking topics at NerdWallet.
- For providers without one or more types of accounts, the overall rating is modified to include only applicable categories.
- New checking customers can earn up to $500 by opening a new eligible checking account, then setting up and receiving qualifying direct deposits into the new account within 90 days of account opening.
$10,000 relationship (receive $25 fee if below $10,000 threshold. See details.) With direct deposit of $500 (receive $9 fee if below $2,500 threshold. See details.) BONUS EARNED will be paid within 120 days from account opening If you’re looking to open a high-yield savings account, SoFi and Amex both offer excellent options. Some of the banks currently offering checking account bonuses include SoFi, Chase, Citi, Bank of America, and TD Bank.
Easily move money with instant transfers to and from E*TRADE brokerage accounts
Once the required activities are completed, you’ll receive your new checking account bonus within 15 days. If these qualifications are met, your bonus will be paid to your account within 120 days from account opening. See Wells Fargo’s Online Access Agreement and your applicable business account fee disclosures for other terms, conditions, and limitations.←back to content
