Bank Promotions in New Jersey: January 2026
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View list of best New Jersey bank promotions. See current active promos and new bonus offers from local New Jersey banks, credit unions, and national banks.
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Looking to open a new bank account in New Jersey? Check out these promotions first. Many banks are offering bonuses up to hundreds of dollars when you open a new account.
Here are some of the best bank offers in New Jersey:
- Bank of America Advantage Banking:
Up to $500 Cash Offer - Wells Fargo Everyday Checking Account:
$325 Bonus - PNC Bank:
Virtual Wallet with Performance Select Checking - $400 Bonus - Chase Private Client Checking℠:
Up to $3,000 Bonus - Truist Bank:
Personal Checking Account - $400 Bonus - Citizens Bank:
Personal Checking and Savings Account - $400 Bonus - M&T Bank:
Personal Checking Account - $200 Bonus - Blue Foundry Bank:
Personal Checking and Savings Account - $600 Bonus - Unity Bank:
Personal Checking Account - $400 Bonus - Picatinny Federal Credit Union:
Personal Checking Account - $250 Bonus - Fulton Bank:
Personal Checking Account - $200 Bonus - Andrews Federal Credit Union:
Personal Checking Account - $150 Bonus - Valley National Bank:
Personal Checking Account - $100 Bonus - The Bank of Princeton:
Personal Checking Account - $100 Bonus - Bank of Hope:
Personal Checking Account - $100 Bonus - Altra Federal Credit Union:
Personal Checking Account - $150 Bonus - Flagstar Bank:
Personal Checking Account - $500 Bonus - TD Beyond Checking:
$300 Cash Bonus
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 1/31/2026.
- 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.
Wells Fargo Everyday Checking Account - $325 Bonus
- Get a $325 new checking customer bonus when you open an Everyday Checking account and receive $1,000 or more in qualifying direct deposits.
- Wells Fargo Bank, N.A.
Member FDIC
Chase Business Complete Banking® - Up to $500 Bonus
- Earn up to $500 when you open a new Chase Business Complete Checking® account. For new Chase business checking customers with qualifying activities.
- Get added features at no additional costs. Choose Chase Business Complete Banking® to get a fully integrated business solution that can help you control costs. Waive the $15 Monthly Service Fee in multiple ways like keeping a minimum $2,000 balance, plus use built-in offerings such as card acceptance, invoicing, Chase Customer Insights and Tap to Pay on iPhone at no additional cost.
- Bank with confidence. Feel confident knowing we have the largest branch network in the U.S. with 5,000 branches that provide personalized service and can help with your complex banking needs. You can also benefit from our account protection services, which provide safeguards by overseeing employee account activity, monitoring checks, and offering additional protection for your business.
- Access top-rated online business banking. Take advantage of our #1-ranked online small business banking platform with a comprehensive set of features designed for small business owners like you. Our tools enhance your ability to manage cash flow, accept and make payments, create invoices and plan for growth, so you can streamline processes and gain greater control of your finances.
Bank of America® Business Advantage Banking - $400 or $750 Cash Bonus Offer
- The $400 or $750 cash bonus offer is an online only offer and must be opened through the Bank of America promotional page.
- The offer is for new eligible business checking customers only.
- Offer expires 12/31/2026.
- To qualify, a new Business Advantage Relationship Banking or Business Advantage Fundamentals™ Banking account through the promotional page and deposit New Money* directly into that new eligible account within thirty (30) days of account opening (“Deposit Period”). At the
end of the Deposit Period, all New Money deposits made directly into new eligible Business Advantage Banking account will be totaled to determine which Balance Requirement you have met and which corresponding Cash Bonus Tier you
are eligible for.
Balance Requirement Cash Bonus Tier $5,000 $400 $15,000 $750 - Maintain a daily balance in that new Business Advantage Banking account that meets the applicable Balance Requirement during the Maintenance Period**
- After you satisfy all of the requirements, Bank of America will attempt to deposit your earned bonus directly into your new eligible Bank of America Business Advantage Banking account within 60 days.
- Additional terms and conditions apply. See offer page for more details.
- *New Money is new funds deposited into your Business Advantage Banking account that are not transfers from other Bank of America accounts or Merrill investment accounts.
- ** The Maintenance Period begins thirty-one (31) calendar days after account opening and ends ninety (90) calendar days after account opening.
- Bank of America, N.A. Member FDIC
PNC Bank: Virtual Wallet with Performance Select Checking - $400 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.
Chase Private Client Checking℠ - Up to $3,000 Bonus
- Earn $1,000 when you deposit $150,000 - $249,999 or
- Earn $2,000 when you deposit $250,000 - $499,999 or
- Earn $3,000 when you deposit $500,000+
INVESTMENT AND INSURANCE PRODUCTS: •
Truist Bank: Personal Checking Account - $400 Bonus
Open a new Truist One Checking account online. Use promo code DC400TR1Q425 at account opening. Set up and receive at least two qualifying direct deposits totaling $2,000 or more within 120 days of account opening. Complete at least 20 qualifying debit card purchases within 120 days of account opening.
The information for Truist One Checking Account has been collected independently by CreditDonkey. The details on this page have not been reviewed or provided by the bank.
Free Business Checking - Earn $500 Bonus
To earn the $500 bonus, customers must apply for a Bluevine Business Checking account anytime between now and 03/31/2026 using the referral code CD500.
After opening your account, deposit a total of $5,000 within the first 30 days. After 30 days, maintain a minimum daily balance of $5,000 while also completing at least one of the following eligibility requirements every 30 days for 90 days:
- Deposit at least $5,000 from eligible merchant services to your Bluevine account OR
- Make at least $5,000 of outbound payroll payments from your Bluevine account using eligible payroll providers OR
- Spend at least $2,000 on eligible transactions with your Bluevine Business Debit Mastercard® and/or Bluevine Business Cashback Mastercard®
Banking services provided by Coastal Community Bank, Member FDIC
Basic Business Checking - Up to $200 Bonus
- Open a Basic Business Checking account using promo code START200 by June 30, 2026.
- Every dollar counts when you're starting out. That's why new businesses can earn up to $200 opening a new Basic Business Checking account today.
- No initial deposit requirement
- No minimum balance requirement
- No monthly maintenance fees
- Free domestic incoming wires. Two (2) outgoing domestic wire fees reimbursed per month.
- Unlimited domestic ATM fee reimbursements
- Unlimited item processing (debits, credits, and deposited items)
- Cash deposits via MoneyPass and AllPoint networks
New Jersey 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.
PNC Bank: Virtual Wallet Checking - $100 Bonus
Open a new Virtual Wallet checking account and make qualified direct deposits totaling $500 or more within 60 days of account opening. Bonus will be awarded within 60-90 days of meeting the requirements.
PNC Bank: Business Checking Account - $1,000 Bonus
Open a new PNC Treasury Enterprise Plan or Analysis Business Checking account. Maintain an average ledger balance of $30,000 or more 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. $1,000 bonus will be credited to your new business checking account within 90 days after all conditions have been met.
PNC Bank: Business Checking Account - $400 Bonus
Open a new PNC Business Checking or PNC Business Checking Plus account. Maintain an average ledger balance of $2,000 in your new checking account for each of the first three statement cycles. Make at least 10 qualifying 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 have been paid a promotional premium in the past 12 months are not eligible for this offer. $400 bonus will be credited to your new business checking account within 90 days after all conditions have been met.
Chase Total Checking® - $300 Bonus
Enjoy $300 as a new Chase checking customer, when you open a Chase Total Checking® account and make direct deposits totaling $500 or more within 90 days of coupon enrollment. Terms and conditions apply.
The information for Chase Total Checking® has been collected independently by CreditDonkey. The details on this page have not been reviewed or provided by the bank.
Chase Secure Banking℠ - $100 Bonus
Enjoy a checking account bonus of $100 as a new Chase checking customer, when you open a Chase Secure Banking℠ account with qualifying transactions.
The information for Chase Secure Banking℠ has been collected independently by CreditDonkey. The details on this page have not been reviewed or provided by the bank.
Chase Total Checking® + Chase Savings℠ - $900 Bonus
- Earn $300 when you open a new Chase Total Checking® account and set up and receive a direct deposit within 90 days of coupon enrollment
- Earn $200 when you open a new Chase Savings℠ account, deposit $15,000 or more in new money within 30 days of coupon enrollment, and maintain $15,000 or more for 90 days of coupon enrollment.
- Earn an additional $400 when you open a new Chase Total Checking® and new Chase Savings℠ at the same time and complete qualifying activities for both accounts.
The information for Chase Total Checking® and Chase Savings℠ have been collected independently by CreditDonkey. The details on this page have not been reviewed or provided by the bank.
Truist Bank: Business Checking Account - $400 Bonus
Open a new Simple Business Checking or Dynamic Business Checking account. Use promo code SB25Q4CHECKING at account opening. Make qualifying deposits of $2,000 or more within 30 days of account opening.
The information for Truist One Checking Account has been collected independently by CreditDonkey. The details on this page have not been reviewed or provided by the bank.
Citizens Bank: Personal Checking and Savings Account - $400 Bonus
Open a new qualifying checking account and have at least one single direct deposit of $500 or more post to your new checking account within 60 days of account opening. Open a new qualifying savings account and make at least one single deposit of $100 or multiple deposits totaling $100 or more that post into the new savings account every month for 3 consecutive months. Accounts must be opened at the same time via the offer page to qualify for the bonus.
Citizens Bank: Personal Checking Account - $300 Bonus
Open a new qualifying checking account and have at least one single direct deposit of $500 or more post to your new checking account within 60 days of account opening.
M&T Tailored Business Checking Account - $1,500 Bonus
Open a new M&T Tailored Business checking account. Use promo code BD at account opening. Maintain an average ledger balance of $100,000 or more in the third full calendar month after opening the account.
M&T Tailored Business Checking Account - $750 Bonus
Open a new M&T Tailored Business checking account. Use promo code BD at account opening. Maintain an average ledger balance of $30,000 - $99,999.99 in the third full calendar month after opening the account.
M&T Tailored Business Checking Account - $500 Bonus
Open a new M&T Tailored Business checking account. Use promo code BD at account opening. Maintain an average ledger balance of $15,000 - $29,999.99 in the third full calendar month after opening the account.
M&T Tailored Business Checking Account - $300 Bonus
Open a new M&T Tailored Business checking account. Use promo code BD at account opening. Maintain an average ledger balance of $5,000 - $14,999.99 in the third full calendar month after opening the account.
M&T Bank: Personal Checking Account - $200 Bonus
Open a new M&T MyChoice Premium Checking account. Make a total of at least $500 in qualifying direct deposits within 90 days of account opening.
M&T Bank: Personal Checking Account - $150 Bonus
Open a new M&T MyChoice Plus Checking account. Make a total of at least $500 in qualifying direct deposits within 90 days of account opening.
M&T Bank: Personal Checking Account - $100 Bonus
Open a new M&T EZChoice Checking Checking account. Make a total of at least $500 in qualifying direct deposits within 90 days of account opening.
M&T Bank: Personal Checking Account - Up to $200 Bonus
Open a new M&T EZChoice Checking, MyChoice Plus Checking, MyChoice Plus Checking with Interest or MyChoice Premium Checking account. Make a total of at least $500 in qualifying direct deposits within 90 days of account opening.
Blue Foundry Bank: Business Checking Account - $1,000 Bonus
Open a new Blue Carbon Business Checking Solutions account. Make deposits totaling $35,000 and maintain a balance of at least $35,000 at all times for 7 months.
Blue Foundry Bank: Personal Checking and Savings Account - $600 Bonus
Open a new Blue Axis Edge Checking account. Set up and receive monthly minimum direct deposit of $500 or more for at least 6 consecutive months. Open a new Blue Axis Edge Savings account. Deposit $15,000 or more in new money and maintain for 6 months.
Unity Bank: Personal Checking Account - $400 Bonus
Open a new Rewards Checking account. Use promo code 1145 at account opening. Set up and receive at least 4 qualifying direct deposits of $2,500 within 180 days of account opening.
Blue Foundry Bank: Personal Checking Account - $300 Bonus
Open a new Blue Axis Edge Checking account. Set up and receive monthly minimum direct deposit of $500 or more for at least 6 consecutive months.
Unity Bank: Personal Checking Account - $300 Bonus
Open a new Everyday Checking account. Use promo code 1144 at account opening. Set up and receive at least 4 qualifying direct deposits of $1,500 within 180 days of account opening.
Picatinny Federal Credit Union: Personal Checking Account - $250 Bonus
Open a new checking account. Set up and receive a monthly recurring direct deposit of $500 or more within 60 days of account opening.
Fulton Bank: Personal Checking Account - $200 Bonus
Open a new Team Advantage Banking Checking account. Within 60 days of account opening, complete at least 15 debit card purchases, or set up recurring direct deposit in totaling $250 or more. This offer is available to employees of companies participating in the Workplace Banking Program.
Andrews Federal Credit Union: Personal Checking Account - $150 Bonus
Establish a new membership with Andrews Federal Credit Union. Open a new Kasasa Cash, Kasasa Cash Back, Forces, or Online Checking account. Use promo code NEW150 at account opening. Set up and receive qualifying direct deposit of $500 or more within 60 calendar days of account opening. Maintain that direct deposit in the account for at least 90 calendar days.
Valley National Bank: Personal Checking Account - $100 Bonus
Open a new All Access Checking account. Set up and receive qualifying direct deposits totaling $500 or more within 60 days of account opening. Keep the account open for a minimum of 120 days.
The Bank of Princeton: Personal Checking Account - $100 Bonus
Open a new Wise Checking account with minimum opening deposit of $50. Have a qualifying direct deposit with a minimum of $500 made to to your new checking account within 60 days of account opening.
Bank of Hope: Personal Checking Account - $100 Bonus
Open a Bank Simply Checking account. Enroll in College Banking benefits. Complete 10 or more debit card purchases within the first 60 days of enrollment.
Hanmi Bank: Business Checking Account - $2,000 Bonus
Open a new business checking account. Enroll in uChoose Rewards within 30 days of account opening. Earn 200,000 uChoose Rewards® points when you maintain a 3-month average daily balance of $100,000 for the first three full months to qualify for the bonus points. Cash value of 100 uChoose Rewards® points is $1.
Hanmi Bank: Business Checking Account - $1,000 Bonus
Open a new business checking account. Enroll in uChoose Rewards within 30 days of account opening. Earn 100,000 uChoose Rewards® points when you maintain a 3-month average daily balance of $50,000 for the first three full months to qualify for the bonus points. Cash value of 100 uChoose Rewards® points is $1.
Hanmi Bank: Business Checking Account - $250 Bonus
Open a new business checking account. Enroll in uChoose Rewards within 30 days of account opening. Earn 25,000 uChoose Rewards® points when you maintain a 3-month average daily balance of $15,000 for the first three full months to qualify for the bonus points. Cash value of 100 uChoose Rewards® points is $1.
Altra Federal Credit Union: Personal Checking Account - $150 Bonus
Open a new A+ Checking or A+ Platinum Checking account using promo code RPSD_A+150. Make 10 or more eligible Altra debit card transactions which must be posted within 30 days of account opening.
Altra Federal Credit Union: Youth Savings Account - $50 Bonus
Open a new Youth Savings account using promo code RPSD_Youth50. New membership account must remain open and in good standing for at least 6 months.
Flagstar Bank: Personal Checking Account - $500 Bonus
Open a new Flagstar Elite Checking account. Maintain an average daily balance of at least $500 for the first 90 days after account opening. Set up and receive one or more direct deposits totaling at least $500 within 90 days of account opening.
Flagstar Bank: Personal Checking Account - $300 Bonus
Open a new Flagstar Ready Checking account. Maintain an average daily balance of at least $500 for the first 90 days after account opening. Set up and receive one or more direct deposits totaling at least $500 within 90 days of account opening.
TD Beyond Checking - $300 Cash Bonus
Earn $300 when you have $2,500 in qualifying direct deposits within 60 days.
TD Complete Checking - $200 Cash Bonus
Earn $200 when you have $500 in qualifying direct deposits within 60 days.
Nationwide Bank Promotions
These offers from national banks are available to New Jerseyites. National banks offer more convenience with branches and ATMs throughout the country, but they usually have higher fees or more requirements.
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 1/31/2026.
- 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.
Chase Business Complete Banking® - Up to $500 Bonus
- Earn up to $500 when you open a new Chase Business Complete Checking® account. For new Chase business checking customers with qualifying activities.
- Get added features at no additional costs. Choose Chase Business Complete Banking® to get a fully integrated business solution that can help you control costs. Waive the $15 Monthly Service Fee in multiple ways like keeping a minimum $2,000 balance, plus use built-in offerings such as card acceptance, invoicing, Chase Customer Insights and Tap to Pay on iPhone at no additional cost.
- Bank with confidence. Feel confident knowing we have the largest branch network in the U.S. with 5,000 branches that provide personalized service and can help with your complex banking needs. You can also benefit from our account protection services, which provide safeguards by overseeing employee account activity, monitoring checks, and offering additional protection for your business.
- Access top-rated online business banking. Take advantage of our #1-ranked online small business banking platform with a comprehensive set of features designed for small business owners like you. Our tools enhance your ability to manage cash flow, accept and make payments, create invoices and plan for growth, so you can streamline processes and gain greater control of your finances.
Bank of America® Business Advantage Banking - $400 or $750 Cash Bonus Offer
- The $400 or $750 cash bonus offer is an online only offer and must be opened through the Bank of America promotional page.
- The offer is for new eligible business checking customers only.
- Offer expires 12/31/2026.
- To qualify, a new Business Advantage Relationship Banking or Business Advantage Fundamentals™ Banking account through the promotional page and deposit New Money* directly into that new eligible account within thirty (30) days of account opening (“Deposit Period”). At the
end of the Deposit Period, all New Money deposits made directly into new eligible Business Advantage Banking account will be totaled to determine which Balance Requirement you have met and which corresponding Cash Bonus Tier you
are eligible for.
Balance Requirement Cash Bonus Tier $5,000 $400 $15,000 $750 - Maintain a daily balance in that new Business Advantage Banking account that meets the applicable Balance Requirement during the Maintenance Period**
- After you satisfy all of the requirements, Bank of America will attempt to deposit your earned bonus directly into your new eligible Bank of America Business Advantage Banking account within 60 days.
- Additional terms and conditions apply. See offer page for more details.
- *New Money is new funds deposited into your Business Advantage Banking account that are not transfers from other Bank of America accounts or Merrill investment accounts.
- ** The Maintenance Period begins thirty-one (31) calendar days after account opening and ends ninety (90) calendar days after account opening.
- Bank of America, N.A. Member FDIC
Bluevine: Free Business Checking - Earn $500 Bonus
To earn the $500 bonus, customers must apply for a Bluevine Business Checking account anytime between now and 03/31/2026 using the referral code CD500.
After opening your account, deposit a total of $5,000 within the first 30 days. After 30 days, maintain a minimum daily balance of $5,000 while also completing at least one of the following eligibility requirements every 30 days for 90 days:
- Deposit at least $5,000 from eligible merchant services to your Bluevine account OR
- Make at least $5,000 of outbound payroll payments from your Bluevine account using eligible payroll providers OR
- Spend at least $2,000 on eligible transactions with your Bluevine Business Debit Mastercard® and/or Bluevine Business Cashback Mastercard®
Banking services provided by Coastal Community Bank, Member FDIC
Axos Bank: Basic Business Checking - Up to $200 Bonus
- Open a Basic Business Checking account using promo code START200 by June 30, 2026.
- Every dollar counts when you're starting out. That's why new businesses can earn up to $200 opening a new Basic Business Checking account today.
- No initial deposit requirement
- No minimum balance requirement
- No monthly maintenance fees
- Free domestic incoming wires. Two (2) outgoing domestic wire fees reimbursed per month.
- Unlimited domestic ATM fee reimbursements
- Unlimited item processing (debits, credits, and deposited items)
- Cash deposits via MoneyPass and AllPoint networks
Note: This website is made possible through financial relationships with some of the products and services mentioned on this site. We may receive compensation if you shop through links in our content. You do not have to use our links, but you help support CreditDonkey if you do.
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