Bank Promotions in Florida: July 2022
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View list of best Florida bank promotions. See current active promos and new bonus offers from local Florida banks, credit unions, and national banks.
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Looking to open a new bank account in Florida? Check out these promotions first. Many banks are offering bonuses up to hundreds of dollars when you open a new account.
Citi Priority Account - Up to $1,500 Cash Bonus
- Earn up to $1,500 cash bonus when you open a new account with required activities
- Open a new eligible checking account in the Citi Priority Account during the offer period 1/5/22-7/17/22
- Within 20 days of opening, deposit $50,000 in New-To Citibank funds between the new checking and savings accounts
- Maintain a minimum balance of $50,000 in the checking account for an additional 60 consecutive calendar days from the 21st day
- After all required activities are met, the cash bonus will be deposited to your account within 90 calendar days
BMO Harris Premier™ Account - $500 Cash Bonus
Open a new BMO Harris Premier™ Account and get a $500 cash bonus when you have a total of at least $7,500 in qualifying direct deposits within the first 90 days of account opening. Offer is limited to one per customer and is not available for existing BMO Harris personal checking customers (including signers on joint accounts) or those who have closed a BMO Harris personal checking account within the past 12 months. Conditions apply.
BMO Harris Smart Advantage™ Account - $300 Cash Bonus
Open a new BMO Harris Smart Advantage™ Account online and get a $300 cash bonus when you have a total of at least $4,000 in qualifying direct deposits within the first 90 days of account opening. Offer is limited to one per customer and is not available for existing BMO Harris personal checking customers (including signers on joint accounts) or those who have closed a BMO Harris personal checking account within the past 12 months. Conditions apply.
BMO Harris Smart Money™ Account - $300 Cash Bonus
Open a new BMO Harris Smart Money™ Account online and get a $300 cash bonus when you have a total of at least $4,000 in qualifying direct deposits within the first 90 days of account opening. Offer is limited to one per customer and is not available for existing BMO Harris personal checking customers (including signers on joint accounts) or those who have closed a BMO Harris personal checking account within the past 12 months. Conditions apply.
Chase Total Checking® - $200 Bonus
- New Chase checking customers enjoy a $200 bonus when you open a Chase Total Checking® account and set up direct deposit
- Access to 16,000 Chase ATMs and more than 4,700 branches
- Chase Mobile® app - Manage your accounts, deposit checks, transfer money and more -- all from your device.
- Open your account online now
- Available online nationwide except in Alaska, Hawaii and Puerto Rico. For branch locations, visit locator.chase.com.
- Chase Overdraft Assist℠: $0 overdraft fee when you overdraw your account $50 or less*
*We won't charge an overdraft fee if you are overdrawn $50 or less at the end of the business day. Chase may pay, for a $34 fee, overdraft transactions at our discretion based on your account history, deposits and transaction amount. If you've enrolled in Debit Card Coverage, everyday debit card purchases like groceries, may be approved at our discretion when you don't have enough money in your account.
Chase Business Complete Banking℠ - $300 Bonus
- Earn $300 when you open a new Chase Business Complete Checking account. For new Chase business checking customers with qualifying activities.
- Multiple ways to waive the Monthly Service Fee, including maintaining a minimum daily balance or purchases on your Chase Ink® Business credit card.
- Built-in card acceptance. Accept card payments anytime, anywhere in the U.S., and get transparent pricing with Chase QuickAccept℠
- Same-day deposits with QuickAccept℠. Free up the cash you need to keep your business moving forward with same-day deposits at no additional cost.
- Alerts to help you stay on top of your account activity.
- Easy account management through Chase Business Online and the Chase Mobile® app.
- Unlimited electronic deposits, ACH and Chase QuickDeposit℠.
- Convenient access to 16,000 ATMs and more than 4,700 branches.
TD Bank: TD Beyond Checking - $300 Cash Bonus
- Earn $300 when you receive direct deposits totaling $2,500 or more within 60 days
- Get more from your checking account. With TD Beyond Checking with Payback Plus, you'll earn interest and get reimbursed for non-TD ATM transactions, Rush Bill Payments and more.
- Monthly maintenance fee waived when you receive monthly direct deposits of $5,000 or more, or maintain a minimum daily balance of $2,500, or a combined balance of $25,000 across eligible TD accounts.
- TD fees waived at any ATM and non-TD fees reimbursed when you keep at least a $2,500 daily balance
- Overdraft Payback - Get overdraft fees automatically reversed up to two times a year.
- Get your money where it needs to go —fast— with Rush Bill Payments, Send Money with Zelle®, incoming wires and a reimbursement for one outgoing wire (domestic or international) per statement cycle.
- TD checking accounts come with an instant-issue debit card. And, you can pay with confidence with Zero Liability protection and 24/7 fraud monitoring.
- Monthly maintenance fee waived on one TD Simple Checking℠ account and any Savings and Money Market accounts. Plus, get free standard check orders, money orders, official bank checks and stop payments.
Fifth Third Bank: Fifth Third Checking Account - $375 Bonus
Open an eligible Fifth Third Checking Account with qualifying activities. Have direct deposits totaling $500 or more within 90 days of account opening to qualify for bonus. The cash bonus will be deposited into your new checking account within 10 business days of completing qualifying activity requirements.
Rewards Checking - Up to 1.25% APY
- $100 Promo with Code "Summer"
- Up to 1.25% APY
- Need to switch banks? Use ClickSWITCH to transfer direct deposit payments to Axos in 3 simple steps.
- Zero monthly maintenance fees
- Zero overdraft or NSF fees
- Zero minimum monthly balance reqs
- Unlimited domestic ATM fee reimbursements
- Zero Minimum Balance Requirement
Easy Checking - $400 Bonus
- Enroll in online banking or the U.S. Bank Mobile App.
- Complete two or more direct deposits totaling $4,000 to earn $400
Chase Secure Banking℠ - $100 Bonus
- New Chase checking customers enjoy $100 when you open a Chase Secure Banking℠ account with qualifying activities.
- No minimum deposit to open.
- No paper checks to track and no Chase fees on money orders or cashier's checks.
- Pay bills, cash checks and send money with Zelle® all for a $4.95 monthly service fee.
- Use the Chase debit card to help you spend only the money you have available, without worrying about overdraft fees.
- Bank from virtually anywhere with access to 16,000 Chase ATMs, more than 4,700 Chase branches, the Chase Mobile® app and Chase Online℠.
- Secure Banking customers told us they save an average of $50 a month on fees after opening their account.
- No need to worry about unauthorized card transactions when reported promptly with Zero Liability Protection.
California Bank Promotions
These promotions are from smaller regional banks and credit unions. Regional banks often offer more competitive interest rates and fewer fees. If you're considering an offer, make sure you have access to branches and ATMs.
TD Bank: TD Convenience Checking℠ - $150 Cash Bonus
- Earn $150 when you receive direct deposits totaling $500 or more within 60 days
- Low minimum daily balance of $100 waives the $15 monthly fee.
- Students and young adults ages 17 through 23 get additional perks like no minimum balance requirements and no monthly maintenance fee.
- Instantly replace a lost or worn debit card by visiting a TD Bank location near you
- Access accounts via Online Banking with Bill Pay, Online Statements and TD Bank Mobile Deposit, with 24/7 cash access at TD ATMs in the U.S. and Canada – plus 24/7 Live Customer Service
- Get a 0.25% discount on TD Bank Home Equity and Personal Loans
Addition Financial: Personal Checking Account - $100 Bonus
Open a new qualifying checking account. Maintain account for at least 90 days. Credit union membership requirements apply.
MidwestOne Bank: Personal Checking Account - $150 Bonus
Open a new Power Checking account with a minimum opening deposit of $100. Earn $150 bonus when you qualify for Power Checking Rewards in one of the first three Power Checking qualification cycles (monthly statement cycle). To qualify for Power Checking Rewards you must fulfill the following requirements: enroll in electronic statements, make at least 15 debit card purchases, and make at least one direct deposit, auto debit from a third party, or online bill payment transaction post and clear to the account.
Wintrust Bank: Personal Checking Account - $300 Bonus
Open a new Total Access Checking account. Mention this promotion at account opening. Have monthly occurring direct deposits totaling $500 or more each month made to your new account for 2 consecutive calendar months after the calendar month your new account was opened. Enroll in eStatements and Online Banking.
Wintrust Bank: Personal Checking and Savings Account - $500 Bonus
Open a new Total Access Checking account. Have monthly occurring direct deposits totaling $500 or more each month made to your new account for 2 consecutive calendar months after the calendar month your new account was opened. Enroll in eStatements and Online Banking. Open a new Statement Savings account. Deposit $15,000 or more of new money, and maintain a minimum balance of at least $15,000 on the last business day of each of the 3 consecutive calendar months following the calendar month your new account is opened
Fifth Third Bank: Fifth Third Momentum® Checking - $375 Bonus
Open an eligible Fifth Third Checking Account with qualifying activities. Have direct deposits totaling $500 or more within 90 days of account opening to qualify for bonus. The cash bonus will be deposited into your new checking account within 10 business days of completing qualifying activity requirements.
Fifth Third Bank: Fifth Third Preferred Checking® - $375 Bonus
Open an eligible Fifth Third Checking Account with qualifying activities. Have direct deposits totaling $500 or more within 90 days of account opening to qualify for bonus. The cash bonus will be deposited into your new checking account within 10 business days of completing qualifying activity requirements.
BMO Harris Bank: Business Checking Account - $300 Bonus
Open a new BMO Digital Business Checking, BMO Simple Business Checking, BMO Premium Business Checking, or BMO Elite Business Checking account. Have at least 10 electronic transactions post to the account within 90 days of account opening. Reach a balance of at least $5,000 starting 31 days after account opening, and maintain it for the following 90 days.
BMO Harris Bank: Business Checking Account - $500 Bonus
Open a new BMO Digital Business Checking, BMO Simple Business Checking, BMO Premium Business Checking, or BMO Elite Business Checking account. Have at least 10 electronic transactions post to the account within 90 days of account opening. Reach a balance of at least $10,000 starting 31 days after account opening, and maintain it for the following 90 days.
PNC Bank: Business Checking Account - $200 Bonus
Open a new PNC Business Checking or PNC Business Checking Plus account. Maintain an average cycle balance of $5,000 in your new checking account for each of the first three statement cycles. Make at least 20 qualifying PNC Bank Visa Debit card transactions within the first three statement cycles.
This offer is only available to businesses with an annual revenue of less than $5 million. All existing business checking customers, including those who have closed an account in the past 90 days or has been paid a promotional premium in the past 12 months are not eligible for this offer. $200 bonus will be credited to your new business checking account within 90 days after all conditions have been met.
PNC Bank: Business Checking Account - $500 Bonus
Open a new PNC Treasury Enterprise Plan or Analysis Business Checking account. Maintain an average cycle balance of $30,000 in your new checking account for each of the first three statement cycles.
This offer is only available to businesses with an annual revenue of less than $5 million. All existing business checking customers, including those who have closed an account in the past 90 days or has been paid a promotional premium in the past 12 months are not eligible for this offer. $500 bonus will be credited to your new business checking account within 90 days after all conditions have been met.
American Airlines Credit Union: Business Checking Account - $25 Bonus
Open a new American Airlines Federal Credit Union Business Checking account. Make at least $25 in qualifying debit card purchases within 60 days of account opening. Bonus will be credited within 60 days after final qualifying transaction.
American Airlines Credit Union: Personal Checking Account - $25 Bonus
Open a new American Airlines Federal Credit Union Flagship, Priority, Ascend, uChecking Checking account. Make at least $25 in qualifying debit card purchases within 60 days of account opening. Bonus will be credited within 60 days after final qualifying transaction.
PNC Bank: Personal Checking Account - $200 Cash Bonus
Open a new Virtual Wallet with Performance Spend checking account and make qualifying direct deposits totaling $2,000 or more within 60 days of account opening. Bonus will be awarded within 60-90 days of meeting the requirements.
PNC Bank: Personal Checking Account - $400 Cash Bonus
Open a new Virtual Wallet with Performance Select checking account and make qualifying direct deposits totaling $5,000 or more within 60 days of account opening. Bonus will be awarded within 60-90 days of meeting the requirements.
Truist Bank: Business Checking Account - $200 Bonus
Open a new Simple Business Checking or Dynamic Business Checking account. Use promo code SB22NEW2BIZ3 at account opening. Make cumulative qualifying deposits of $1,500 or more into your new account. Enroll and sign in to Truist Online Banking for Business.
BayFirst National Bank: Personal Checking Account - Up to $350 Bonus
Open a new qualifying checking account. Establish direct deposit or auto transfer. First Home Bank will match up to $350 for direct deposits or auto transfers within the first 90 days of account opening.
BayFirst National Bank: Savings Account - Up to $150 Bonus
Open a new BayFirst Statement Savings account. You must have a BayFirst checking account and must establish direct deposit. First Home Bank will match up to $150 for direct deposits or auto transfers.
Truist Bank: Personal Checking Account - $300 Bonus
Open a new Truist Bright, Truist Fundamental, or Truist Dimension Checking account. Use promo code TR2CHK22 at account opening. Set up and complete at least two qualifying direct deposits totaling $500 or more within 90 days of account opening.
BrightStar Credit Union: Business Checking Account - $100 Bonus
Open a new Business Checking Account. Enroll in e-Statements, and complete at least 4 transactions per month for 7 months. Account must remain active for the entire 7 months. New membership and new checking account must be established at the same time.
Community First Credit Union: Business Checking Account - $100 Bonus
Open a new Premier Business Checking account and earn $100 bonus. New members must open a share account with a minimum $5 initial deposit (share account is required for membership).
Community First Credit Union: Business Checking Account - $200 Bonus
Open a new Connections Business Checking account and earn $200 bonus. New members must open a share account with a minimum $5 initial deposit (share account is required for membership).
Community First Credit Union: Business Checking Account - $50 Bonus
Open a new Classic Business Checking account and earn $50 bonus. New members must open a share account with a minimum $5 initial deposit (share account is required for membership).
MIDFLORIDA Credit Union: Business Checking Account - Up to $500 Bonus
Earn $300 when you open a new Free Business Checking account. Enroll in online banking, eStatement, eNotice, and debit card. Make deposits totaling at least $5,000 in a calendar month for 2 of the first 6 months of account opening. Complete 5 qualifying transactions within 45 days of account opening. Earn an additional $200 when you open a Free Checking account, and have a cumulative of $500 in direct deposit which post within 45 days of account opening. Must also enroll in online banking, eStatement, eNotice, and debit card.
Business must establish $5 membership accounts, and must open a Business Savings account to qualify for bonus.
Community Credit Union Florida: Personal Checking Account - $100 Bonus
Open select CCU Debit/Checking account using promo code MK-100. To qualify for $100 bonus, you must do the following within 60 days of account opening: sign up for eStatements, use your new debit card 20 times to make purchases or payments in any amount, and download the CCU Mobile App and use it at least once.
Tropical Financial Credit Union: Personal Checking Account - $100 Bonus
This offer is exclusive to employees of School Board of Broward County. Open a new qualifying checking account within 90 days of opening a new membership. Have a monthly direct deposit of at least $500 into either savings or checking account for at least 3 months. Checking account must remain open and in good standing for 3 months. The first $25 of your bonus will be deposited to your checking account upon account opening but will not be available to withdraw for 100 days. The remaining $75 of your bonus will be credited to your checking account by the 5th of the month following three months of checking account opening.
BrightStar Credit Union: Personal Checking Account - $100 Bonus
Open a new Free Checking Account. Enroll in e-Statements and complete at least 4 transactions per month for 7 months. Account must remain active for the entire 7 months. An active checking account is defined as a minimum of 4 transactions per 30 day period. New membership and new checking account must be established at the same time.
Tropical Financial Credit Union: Personal Checking Account - $100 Bonus
This offer is exclusive to customers who reside or work in Miami-Dade, Broward, Palm Beach, St. Lucie, Martin, Hendry, Collier, Lee and Sarasota counties. Open a new qualifying checking account within 90 days of opening a new membership. Have a monthly direct deposit of at least $500 into either savings or checking account for at least 3 months. Checking account must remain open and in good standing for 3 months. The first $25 of your bonus will be deposited to your checking account upon account opening but will not be available to withdraw for 100 days. The remaining $75 of your bonus will be credited to your checking account by the 5th of the month following three months of checking account opening.
BrightStar Credit Union: Personal Checking Account - $100 Bonus
Open a new Free Checking Account. Enroll in e-Statements and complete at least 4 transactions per month for 7 months. Account must remain active for the entire 7 months. An active checking account is defined as a minimum of 4 transactions per 30 day period. New membership and new checking account must be established at the same time.
Community Credit Union Florida: Personal Checking Account - $125 Bonus
This offer is available to school employees only. Open a new qualifying checking account using promo code MK-125. To qualify for $125 bonus, you must do the following within 60 days of account opening: sign up for eStatements, use your new debit card 20 times to make purchases or payments in any amount, and download the CCU Mobile App and use it at least once.
Valley National Bank: Personal Checking Account - $150 Bonus
Open a new Valley My Choice Checking account with minimum opening deposit of $25. Receive $75 for activating Mobile Banking. Receive $75 for either completing a minimum of 20 debit card transactions of at least $5 OR for enrolling in online banking and completing three online bill payment transactions. Activities must be completed within 60 days of account opening to receive bonuses. Account must be enrolled in paperless statements with in the first 60 days of account opening.
MIDFLORIDA Credit Union: Personal Checking Account - $200 Bonus
Open a new Free Checking or Relationship Checking account. Set up a cumulative of $500 in direct deposit which must post within 45 days of account opening. Enroll in online banking, online bill payment, eStatement, eNotice, and debit card. A $5 deposit is required for membership with MIDFLORIDA.
MIDFLORIDA Credit Union: Personal Checking Account - $200 Bonus
Open a new Free Checking account. Set up a cumulative of $500 in direct deposit which must post within 45 days of account opening. Enroll in online banking, online bill payment, eStatement, eNotice, and debit card. A $5 deposit is required for membership with MIDFLORIDA.
Florida Credit Union: Personal Checking Account - $300 Bonus
Open a free personal full-service checking account. Use promo code 22CHK300. Make cumulative qualifying direct deposits of $500 or more within 60 days of account opening. Keep account open and in good standing for at least 90 days.
Community First Credit Union: Personal Checking Account - Up to $200 Bonus
Open a new Bonus Debit or Advantage Checking account using promo code CHK2021. Earn $25 upon opening a checking account and enrolling in the Save My Change Program. Earn $125 for establishing a cumulative direct deposit of at least $1,000 within first 90 days of account opening. Earn $25 for every friend you refer that opens a Bonus Debit or Advantage Checking account (limited to 5 referrals annually).
Valley National Bank: Personal Checking Account - Up to $240 Bonus
Open a new Valley All Access Rewards Checking account with minimum opening deposit of $100. Receive a cumulative total of $750 or more in qualifying direct deposits per month. Reward is paid over 12 month period, $20 each month.
Seacoast Bank: Personal Checking Account - $250 Bonus
Open a new Seacoast Premium Checking account. Set up and receive qualifying direct deposits totaling $500 or more within 60 days of account opening. Offer only valid for recipient named and addressed to on the mailer.
Seacoast Bank: Personal Savings Account - $150 Bonus
Open a new Seacoast Savings account. Deposit a total of $15,000 or more in new money within 10 business days and maintain a $15,000 balance for 90 days. Offer only valid for recipient named and addressed to on the mailer.
Nationwide Bank Promotions
These offers from national banks are available to Floridians. National banks offer more convenience with branches and ATMs throughout the country, but they usually have higher fees or more requirements.
Citibank: Citigold Account Package - $1,500 Bonus
Earn up to $1,500 cash bonus with required activities. Open a new eligible checking and savings account in the Citigold Account Package. Within 20 days of opening your account, deposit $200,000 New-to-Citibank funds into the checking and/or savings account. Maintain a minimum balance of $200,000 between the checking and/or savings accounts for an additional 60 days from the 21st day.
Citibank Account Package - $300 Bonus
Earn $300 cash bonus with required activities. Open a new eligible checking and savings account in the Citibank Account Package. Within 20 days of opening your account, deposit $15,000 New-to-Citibank funds into the checking and savings account. Maintain a minimum balance of $15,000 between the checking and savings account for an additional 60 days from the 21st day.
US Bank: Gold Checking - $400 Bonus
- Enroll in online banking or the U.S. Bank Mobile App.
- Complete two or more direct deposits totaling $4,000 to earn $400
US Bank: Platinum Checking - $400 Bonus
- Enroll in online banking or the U.S. Bank Mobile App.
- Complete two or more direct deposits totaling $4,000 to earn $400
US Bank: Silver Business Checking Package - $300 Bonus
- Enroll in online banking or U.S. Bank Mobile App within 60 days of account opening.
- Complete $3,000 in new money deposits within 30 days of account opening and maintain for 60 days.
- Make five qualifying transactions into your new business checking account. Qualifying transactions include: Debit card purchases, Merchant deposits, ACH credits, Wires credits/debits, Mobile Check Deposit or Bill Pay.
US Bank: Gold Business Checking Package - $300 Bonus
- Enroll in online banking or U.S. Bank Mobile App within 60 days of account opening.
- Complete $3,000 in new money deposits within 30 days of account opening and maintain for 60 days.
- Make five qualifying transactions into your new business checking account. Qualifying transactions include: Debit card purchases, Merchant deposits, ACH credits, Wires credits/debits, Mobile Check Deposit or Bill Pay.
US Bank: Platinum Business Checking Package - $300 Bonus
- Enroll in online banking or U.S. Bank Mobile App within 60 days of account opening.
- Complete $3,000 in new money deposits within 30 days of account opening and maintain for 60 days.
- Make five qualifying transactions into your new business checking account. Qualifying transactions include: Debit card purchases, Merchant deposits, ACH credits, Wires credits/debits, Mobile Check Deposit or Bill Pay.
Aspiration Spend & Save - Earn $150 Bonus
- Spend $1,000 Within First 60 Days and Receive $150.
Bank of America Advantage Plus Banking® - $100 Bonus Offer
Open a new Bank of America Advantage Banking account. Use offer code DNA100CIS when opening the checking account. Set up and receive $1,000 or more within 90 days of account opening. Receive the $100 bonus within 60 days after completing all requirements.
The $100 bonus offer is an online only offer and must be opened through the Bank of America promotional page. The offer is for new checking customers only. Additional terms and conditions apply. See offer page for more details. Member FDIC
Bank of America Advantage Relationship Banking® - $100 Bonus Offer
Open a new Bank of America Advantage Banking account. Use offer code DNA100CIS when opening the checking account. Set up and receive $1,000 or more within 90 days of account opening. Receive the $100 bonus within 60 days after completing all requirements.
The $100 bonus offer is an online only offer and must be opened through the Bank of America promotional page. The offer is for new checking customers only. Additional terms and conditions apply. See offer page for more details. Member FDIC
What the Experts Say
As part of our series on banking and saving, CreditDonkey asked a panel of industry experts to answer readers' most pressing questions. Here's what they said:
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