$400 Checking Account Bonus for February 2026

Did you know you can earn $400 by opening a new checking account? Learn how you can qualify and enjoy other rewards with these banks.

Looking to supercharge your bank balance?

Sifting through so many banking promotions that may not be worth your time can be tiresome.

Instead, you can easily peer over these $400 checking bonuses that let you earn some cash.

Member FDIC

Chase Total Checking® - $400 Bonus

• New Chase checking customers can receive $400 when you open a Chase Total Checking^® account and make direct deposits totaling $1,000 or more within 90 days of coupon enrollment.
• Unlock more offers with Chase. Get up to $500 per calendar year by referring friends and family. Plus, get cash back from top brands with Chase Offers when you use your debit card.
• Chase Total Checking^® has a $15 monthly service fee, you can easily avoid the fee with direct deposits totaling $500 or more, or a minimum average daily balance each statement period.
• Chase Overdraft Assist℠ – no overdraft fees if you're overdrawn by $50 or less at the end of the business day or if you're overdrawn by more than $50 and bring your account balance to overdrawn by $50 or less at the end of the next business day*
• Chase Mobile^® app makes banking simple. Manage accounts, pay bills, send money to friends with Zelle® and deposit checks on the go with Chase Quick Deposit℠.
• Chase has the largest branch network in the U.S. with thousands of ATMs and branches. Use the Chase locator tool to find a branch or ATM near you.
• Chase helps keep your money protected with features like Zero Liability Protection, fraud monitoring and card lock.
• Chase Total Checking includes FDIC insurance up to the maximum amount allowed by law.

Click Here to Open an Account

Expires 4/15/2026

• Minimum Deposit to Open: $0
• Direct Deposit Required: Yes
• Minimum Deposit Required: None

How to Get More Than $400 from Banks

Are there banks with bigger bonuses? Of course, there are!

Check out more rewarding opportunities that go above and beyond $400.

Member FDIC

Bank of America Advantage Banking - Up to $500 Cash Offer

• The cash offer up to $500 is an online only offer and must be opened through the Bank of America promotional page.
• The offer is for new checking customers only.
• Offer expires 05/31/2026.
• To qualify, open a new eligible Bank of America Advantage Banking account through the promotional page and set up and receive Qualifying Direct Deposits* into that new eligible account within 90 days of account opening. Your cash bonus amount will be based on the total amount of your Qualifying Direct Deposits received in the first 90 days.

  Cash Bonus	Total Qualifying Direct Deposits
  $100	$2,000
  $300	$5,000
  $500	$10,000+

• If all requirements are met 90 days after account opening, Bank of America will attempt to deposit your bonus into your new eligible account within 60 days.
• Bank of America Advantage SafeBalance Banking® for Family Banking accounts are not eligible for this offer.
• Additional terms and conditions apply. See offer page for more details.
• *A Qualifying Direct Deposit is a direct deposit of regular monthly income – such as your salary, pension or Social Security benefits, which are made by your employer or other payer – using account and routing numbers that you provide to them.
• Bank of America, N.A. Member FDIC.

Learn More

Expires 5/31/2026

Member FDIC

HSBC Premier - Earn Up to $7,000

It's easy. The more you fund, the more you earn. Discover all that Premier can do for you

• Send and receive money with Zelle® right from our mobile app
• Manage your money safely, easily and fee-free around the world - from Global Money Transfers to multi-currency needs
• Enjoy peace of mind with unique travel benefits available through our credit cards

Here's how the offer works: Open a new HSBC Premier checking account by March 31, 2026. Add New Assets to your Premier checking account, Premier Savings account, Premier Relationship Savings account, Managed Portfolio Account and/or Spectrum account (Eligible Accounts) by March 31, 2026, and maintain the New Assets through June 30, 2026.

• Get a $1,500 Cash Bonus: Add and maintain New Assets of $150,000 to $249,999
• Get a $2,500 Cash Bonus: Add and maintain New Assets of $250,000 to $499,999
• Get a $3,500 Cash Bonus: Add and maintain New Assets of $500,000 to $999,999
• Get a $7,000 Cash Bonus: Add and maintain New Assets of $1,000,000+

If all offer requirements are met, the bonus will be paid by August 31, 2026.

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Expires 3/31/2026

Chase Private Client Checking℠ - Up to $3,000 Bonus

• Elevate your banking relationship and enjoy a bonus up to $3,000 when you open a new Chase Private Client Checking℠ account with qualifying activities.
• Personalized banking made easier with premium benefits, 24/7 support and access to your banking and investment accounts in one place in the Chase Mobile^® app.
• Earn $1,000 when you deposit $150,000 or earn $2,000 when you deposit $250,000 or earn $3,000 when you deposit $500,000+.
• Get up to a $3,000 bonus when you open or upgrade to a Chase Private Client account, a premium checking account which provides you with a dedicated banker and receive investing guidance from J.P. Morgan Wealth Management to help you reach your financial goals.
• Receive personalized wealth strategies from a J.P. Morgan advisor. Your J.P. Morgan advisor gets to know you, your family and your goals to build a custom financial strategy and investment portfolio that reflects your evolving priorities.
• Bank deposit accounts, such as checking and savings, may be subject to approval. Deposit products provided by JPMorgan Chase Bank, N.A. Member FDIC.

J.P. Morgan Wealth Management is a business of JPMorgan Chase & Co., which offers investment products and services through J.P. Morgan Securities LLC (JPMS), a registered broker-dealer and investment adviser, member FINRA and SIPC. Insurance products are made available through Chase Insurance Agency, Inc. (CIA), a licensed insurance agency, doing business as Chase Insurance Agency Services, Inc. in Florida. Certain custody and other services are provided by JPMorgan Chase Bank, N.A. (JPMCB). JPMS, CIA and JPMCB are affiliated companies under the common control of JPMorgan Chase & Co. Products not available in all states.

INVESTMENT AND INSURANCE PRODUCTS: • NOT A DEPOSIT • NOT FDIC INSURED • NOT INSURED BY ANY FEDERAL GOVERNMENT AGENCY • NO BANK GUARANTEE • MAY LOSE VALUE

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Expires 4/15/2026

Member FDIC

Key Select Checking® - $500 Bonus

Earn $500 after qualified activities until 5.22.26 with interest-bearing Key Select Checking®.

• Open a Key Select Checking® account online by May 22, 2026.
• Make the minimum opening deposit of $50 and make a total of $5,000 or more in eligible direct deposits within the first 90 days of account opening.
• Your $500 cash bonus will be deposited into your account within 60 days of meeting requirements. Account must not be closed at the time of gift payment.

Learn More

Expires 5/22/2026

• Minimum Deposit to Open: $50
• Direct Deposit Required: Make the minimum opening deposit of $50, plus a total of $5,000 or more in eligible direct deposits within the first 90 days of account opening.

What Is a $400 Checking Account Bonus?

A $400 checking account bonus is a promotional offer by banks to attract new clients. It's typically a cash reward for individuals who meet certain bank requirements.

The specific details of checking account bonuses can vary from bank to bank. However, they often involve fulfilling criteria within a given timeframe. These may include actions such as:

• Opening a new checking account
  
• Depositing a minimum amount of money
  
• Setting up qualifying direct deposits or transactions

Once the requirements are met, the bank usually rewards the account holder with the bonus amount within several days to weeks.

Why Do Banks Give Out Bonuses for New Customers?

Banks offer checking bonuses primarily to attract new customers. They aim to reward individuals for opening a new checking account with them rather than with their competitors.

In addition, banks understand that a checking account is often the entry point for a long-term relationship with you.

They aim to make a positive first impression and build loyalty by offering a bonus. After all, a satisfied customer may be more inclined to use additional banking products and services like loans, or credit cards, in the future.

What To Expect When Obtaining a Checking Account Bonus

Bonuses will differ among banks, so always review the terms and conditions before deciding on a promotion. In general, here's what you can expect:

• Bonuses are intended for new customers.
  You are usually a new customer to qualify for a checking account bonus. You either don't have an existing relationship with the bank or don't have a checking account with them.
  You may still qualify for a bonus in a different account category if you're an existing customer of the bank. For example, you could apply for a business checking account with a bonus promotion even if you already have a personal checking account.

• Some bonuses are limited time offers.
  Often, bonuses are available for just a certain amount of time. Check if you can fulfill their requirements to sign up before it expires.

• Bonuses will have specific timeframes to complete requirements.
  The promotion should clearly state the actions involved in earning the bonus plus when you need to do them. For example, deposit $X within 30 days of account opening, and maintain the balance for 90 days.

  Also, you must likely keep your account open for some time. Or else you may lose your bonus.

• Some bonuses are tiered.
  Banks may offer tiered bonus rewards for opening the same account. Usually, the higher the bonus offer is, the higher the amount you need to fulfill. Other times, your bonuses stack up every time you complete a required action.

• Checking account bonuses are taxable.
  The bank usually reports your bonus as taxable income and provides you with a Form 1099-INT or a similar tax document.^[1][2]

How Can I Get a $400 Bonus?

1. Review the terms and conditions of the $400 offer carefully.
   
2. Follow the instructions to open a new checking account online or at a branch.
   
3. Fulfill all criteria for the bonus, i.e., deposit the required amount, set up direct deposit, etc.
   
4. You typically receive your $400 bonus in a few days or weeks after completing the requirements.
   
5. Keep your account open for the specified duration to avoid forfeiting your bonus.

FAQs

Is it possible to get multiple checking account bonuses?
Yes, you can sign up for different checking account bonuses from different banks. However, it's important to review each offer's terms and conditions and see if you can fulfill them.

Can I close the checking account once I have received the bonus?
Banks usually require you to keep your new account open for a period after receiving the bonus. If you close the account prematurely, you may need to return the bonus or pay penalties.

What should a good checking account offer for free?
A good checking account generally provides free transfers to other banks, online bill pay, mobile check deposits, and free ATM withdrawals within its network. It either has no monthly fees or gives you options to waive fees.

What bank gives you money for opening a checking account?
Chase Bank is known to put up cash bonuses for new customers who meet certain requirements. Other banks include Wells Fargo Bank, Bank of America, and Citibank, to name a few. Note their bonus offers are often available only within a given period.

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