Bank Promotions for September 2022
Thinking about opening a new personal checking, savings, or business account? Here are the best banking promotions - all in one list. Be sure to read the details to understand the requirements and eligibility.
| Bank Promotion Link | Offer | Review |
|---|---|---|
| Chase Total Checking® | $200 Bonus | Review |
| HSBC Premier Checking | $500 | Review |
| TD Beyond Checking | $300 Cash | Review |
| TD Convenience Checking℠ | $200 Cash | Review |
| Chase Secure Banking℠ | $100 Bonus | Review |
| Chase College Checking℠ | $100 Bonus | Review |
| Discover Online Savings | $200 Bonus | Review |
| Discover Online Savings | $150 Bonus | Review |
| CIT Bank Savings Connect | 2.40% APY | Review |
| Discover Bank Online Savings Account | 2.00% APY | Review |
| CIT Savings Builder | 1.00% APY | Review |
| BMO Harris Smart Advantage™ Account | $300 Cash Bonus | Review |
| BMO Harris Smart Money™ Account | $300 Cash Bonus | Review |
| BMO Harris Premier™ Account | $500 Cash Bonus | Review |
| Huntington Perks Checking℠ | $200 Bonus | Review |
| Huntington Platinum Perks Checking℠ | $300 Bonus | Review |
What banks are having promotions? This list is updated monthly to bring you the best bank bonuses and deals. Bookmark it and check back often.
Top New Bank Account Promotions
Many bank deals pay new customers to open an account. You get a cash bonus for opening an account and meeting certain deposit requirements. FDIC-insured bank accounts also protect your money safely.
Are bank bonuses for opening a new account worth it?
Checking Account Bonuses
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℠ - no overdraft fee 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*
*With Chase Overdraft Assist℠, we won't charge an Insufficient Funds Fee 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 you bring your account balance to overdrawn by $50 or less at the end the next business day (you have until 11 PM ET (8 PM PT) to make a deposit or transfer). Chase Overdraft Assist does not require enrollment and comes with eligible Chase checking accounts.
- Direct Deposit Required: Yes
- Minimum Deposit to Open: $0
- Minimum Deposit Required: None
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, Overdraft Payback and more.
- Monthly maintenance fee waived when you receive monthly direct deposits of $5,000 or more within a statement cycle, or maintain a minimum daily balance of $2,500, or a combined balance of $25,000 across eligible TD accounts.
- TD ATM fees waived at any ATM and non-TD fees reimbursed when you keep at least a $2,500 daily balance
- 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 contactless technology Visa Zero Liability protection and 24/7 fraud monitoring.
- Monthly maintenance fee waived on one TD Simple Checking℠ account and any Savings accounts. Plus, get free standard check orders, money orders, official bank checks and stop payments.
- Direct Deposit Required: Yes
- Minimum Deposit Required: $2,500 within 60 days
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.
- Direct Deposit Required: Yes
Citi Priority Account - Earn up to $2,000 Cash Bonus
- Earn up to $2,000 cash bonus when you open a new eligible Citi Priority Checking Account with required activities
- Within 20 days of opening, deposit the minimum amount of new-to-Citibank funds.
- Maintain a minimum balance for 60 consecutive calendar days from the 21st day.
- If your balance falls to a lower tier at any point during the maintenance period, the bonus changes.
- Bonus will be paid within 30 days after you successfully complete all required activities.
Citi Priority Account - Earn up to $2,000 Cash Bonus
Earn up to $2,000 cash bonus when you open a new eligible Citi Priority Checking Account with required activities. Within 20 days of opening, deposit the minimum amount of new-to-Citibank funds. Maintain a minimum balance for 60 consecutive calendar days from the 21st day. If your balance falls to a lower tier at any point during the maintenance period, the bonus changes. Bonus will be paid within 30 days after you successfully complete all required activities.
| Balance Levels | Maximum Bonus |
|---|---|
| $10,000 - $29,999 | $200 |
| $30,000 - $74,999 | $500 |
| $75,000 - $199,999 | $1,000 |
| $200,000 - $299,999 | $1,500 |
| $300,000 and above | $2,000 |
HSBC Premier Checking - $500 Welcome Deposit
- Receive a $500 Welcome Deposit for eligible new customers who open a new HSBC Premier checking account and complete the following qualifying activities.
- Open your new HSBC Premier checking account online, using this offer page, by February 15, 2023.
- Make recurring Qualifying Direct Deposits totaling at least $10,000 per month from a third party to your HSBC Premier checking account(s) for 3 consecutive calendar months from the second full calendar month after account opening.
- You will automatically receive the $500 Welcome Deposit in your new HSBC Premier checking account approximately eight weeks after completing all qualifying activities. It's that simple.
- Deposit products are offered in the U.S. by HSBC Bank USA, N.A. Member FDIC.
- Direct Deposit Required: Yes
- Minimum Deposit Required: $10,000/Month for 3 Months
Rewards Checking - Up to 1.25% APY
- Up to 1.25% APY
- Zero monthly maintenance fees
- Zero overdraft or NSF fees
- Zero minimum monthly balance reqs
- Unlimited domestic ATM fee reimbursements
- Online debit card management
- Simple, 3-step process for direct deposit
- Only $50 to open an account
- Minimum Deposit to Open: $50
TD Convenience Checking℠ - $200 Cash Bonus
- Earn $200 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, stolen, or damaged debit card by visiting a TD Bank location near you
- Access accounts via Online Banking with Bill Pay, Online Statements, Send Money with Zelle and TD Bank Mobile Deposit. Plus, get 24/7 cash access at TD ATMs in the U.S. and Canada and around-the-clock Live Customer Service.
- TD checking accounts come with an instant-issue debit card - and, you can pay with confidence with contactless technology Visa Zero Liability protection and 24/7 fraud monitoring.
- Get a 0.25% discount on TD Bank Home Equity and Personal Loans.
- Direct Deposit Required: Yes
- Minimum Deposit Required: $500 within 60 days
Chase Secure Banking℠ - $100 Bonus
- New Chase checking customers enjoy $100 when you open a Chase Secure Banking℠ account with qualifying transactions. Open an account online or at any Chase branch.
- No minimum deposit to open an account and get started.
- 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.
- Say goodbye to overdraft fees with a Chase debit card that helps you stay within your balance.
- Bank from virtually anywhere with access to 16,000 Chase ATMs, more than 4,700 Chase branches, the Chase Mobile® app and Chase Online℠.
- Get more for your money. Secure Banking customers told us they save an average of $50 a month on fees after opening their account.
- Get reimbursed for unauthorized debit card transactions when reported promptly with Zero Liability Protection.
- Direct Deposit Required: No
- Minimum Deposit to Open: $0
- Minimum Deposit Required: None
Chase College Checking℠ - $100 Bonus
- Get $100 as a new Chase checking customer when you open a Chase College Checking℠ account and complete 10 qualifying transactions within 60 days of coupon enrollment.
- Access to 16,000 Chase ATMs and more than 4,700 branches
- No Monthly Service Fee for up to 5 years if you're a student between the ages of 17-24 at account opening with proof of student status.
- Use the Chase Mobile® app to securely deposit checks with the snap of a photo.
- Send and receive money in moments using Zelle®
- Students ages 18-24 can open an account online or at a Chase branch. 17-year-olds must open at a Chase branch.
- Direct Deposit Required: No
- Minimum Deposit to Open: $0
- Minimum Deposit Required: None
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.
- Direct Deposit Required: Yes
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.
- Direct Deposit Required: Yes
Huntington Perks Checking℠ - $200 Bonus
To qualify for the $200 cash bonus, you are required to open a new, qualifying Huntington Perks Checking℠ account during the promotional period between June 1, 2022 and October 7, 2022 and make cumulative new money deposits into the checking account of at least $1,000 or more within 60 days of account opening. "New money" is defined as money that is not currently on deposit in any Huntington account (except maturing CDs). Account must maintain an open status for at least 90 days before it is eligible for the bonus payment.
- Direct Deposit Required: No
- Minimum Deposit to Open: None
- Minimum Deposit Required: Make cumulative new money deposits of at least $1,000 within 60 days of account opening and keep your account open for a minimum of 90 days
Huntington Platinum Perks Checking℠ - $300 Bonus
To qualify for the $300 cash bonus, you are required to open a new, qualifying Huntington Platinum Perks Checking℠ during the promotional period between June 1, 2022 and October 7, 2022 and make cumulative new money deposits into the checking account of at least $25,000 or more within 60 days of account opening. "New money" is defined as money that is not currently on deposit in any Huntington account (except maturing CDs). Account must maintain an open status for at least 90 days before it is eligible for the bonus payment.
- Minimum Deposit Required: Make cumulative new money deposits of at least $25,000 within 60 days of account opening and keep your account open for a minimum of 90 days
Fifth Third Checking Account - $250 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.
- Minimum Deposit Required: Make direct deposits totaling $500 or more within 90 days of account opening
Fifth Third Momentum® Checking - $250 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.
- Minimum Deposit Required: Make direct deposits totaling $500 or more within 90 days of account opening
Fifth Third Preferred Checking® - $250 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.
- Minimum Deposit Required: Make direct deposits totaling $500 or more within 90 days of account opening
High Yield Savings
Discover Online Savings - $200 Cash Bonus
To get your $150 or $200 Bonus: What to do: Apply for your first Discover Online Savings Account, online, in the Discover App or by phone. Enter Offer Code CY922 when applying. Deposit into your account a total of at least $15,000 to earn a $150 Bonus or deposit a total of at least $25,000 to earn a $200 Bonus. Deposit must be posted to account within 30 days of account open date. Maximum bonus eligibility is $200.
What to know: Offer not valid for existing or prior Discover savings customers or existing or prior customers with savings accounts that are co-branded, or affinity accounts provided by Discover. Eligibility is based on primary account owner. Account must be open when bonus is credited. Bonus will be credited to the account within 30 days of the account qualifying for the bonus. Bonus is interest and subject to reporting on Form 1099-INT. Offer ends 12/15/2022, 11:59 PM ET. Offer may be modified or withdrawn without notice. See advertiser website for full details.
Discover Online Savings - $150 Cash Bonus
To get your $150 or $200 Bonus: What to do: Apply for your first Discover Online Savings Account, online, in the Discover App or by phone. Enter Offer Code CY922 when applying. Deposit into your account a total of at least $15,000 to earn a $150 Bonus or deposit a total of at least $25,000 to earn a $200 Bonus. Deposit must be posted to account within 30 days of account open date. Maximum bonus eligibility is $200.
What to know: Offer not valid for existing or prior Discover savings customers or existing or prior customers with savings accounts that are co-branded, or affinity accounts provided by Discover. Eligibility is based on primary account owner. Account must be open when bonus is credited. Bonus will be credited to the account within 30 days of the account qualifying for the bonus. Bonus is interest and subject to reporting on Form 1099-INT. Offer ends 12/15/2022, 11:59 PM ET. Offer may be modified or withdrawn without notice. See advertiser website for full details.
CIT Bank Savings Connect - 2.40% APY
- Earn 14x the national average
- $100 minimum opening deposit
- No monthly maintenance fee
- Direct Deposit Required: No
- Minimum Deposit to Open: $100
Online Savings Account - Earn 2.00% APY
- No fees
- No minimum opening deposit
- No minimum balance required
- Minimum Deposit to Open: $0
CIT Savings Builder - 1.00% APY
Earn up to 1.00% APY. Here's how it works: Maintain a minimum balance of $25k OR make at least a $100 minimum deposit every month. Member FDIC
- Minimum Deposit to Open: $100
- CIT Bank
- Discover Bank
- Synchrony Bank with ATM Card
- Ally Bank for Best Customer Service
Business Bank Account Bonuses
Unlimited Plus Business Checking - $750 Bonus
To be eligible for the $750 cash bonus, business customer must open a new Huntington Unlimited Plus Business, Business Analyzed or Business Non Profit Analyzed Checking by November 7, 2022, then make a minimum cumulative new money deposit into the new checking account of at least $20,000 within 60 days of account opening.
"New money" is defined as money that is not currently on deposit in any Huntington account (except maturing business CDs). Account must maintain an open status for at least 90 days before it is eligible for the bonus payment. All new accounts subject to account opening approval and account conversions are not eligible. An Early Account Closing Fee will apply to accounts closed within 180 days of opening.
- Direct Deposit Required: No
- Minimum Deposit to Open: None
- Minimum Deposit Required: Make cumulative new money deposits of at least $20,000 within 60 days of account opening and keep your account open for a minimum of 90 days
Unlimited Business Checking - $400 Bonus
To be eligible for the $400 cash bonus, business customer must open a new Huntington Unlimited Business, Unlimited Plus Business, Business Analyzed, Business Non Profit Analyzed, or Business Non Profit Interest Checking account by November 7, 2022, then make a minimum cumulative new money deposit into the new checking account of at least $5,000 within 60 days of account opening.
"New money" is defined as money that is not currently on deposit in any Huntington account (except maturing business CDs). Account must maintain an open status for at least 90 days before it is eligible for the bonus payment. All new accounts subject to account opening approval and account conversions are not eligible. An Early Account Closing Fee will apply to accounts closed within 180 days of opening.
- Direct Deposit Required: No
- Minimum Deposit to Open: None
- Minimum Deposit Required: Make cumulative new money deposits of at least $5,000 within 60 days of account opening and keep your account open for a minimum of 90 days
Business Checking 100 - $100 Bonus
To be eligible for the $100 cash bonus, business customer must open a new Huntington Business Checking 100, Unlimited Business, Unlimited Plus Business, Business Analyzed, Business Non Profit Analyzed, or Business Non Profit Interest Checking account by November 7, 2022 then make a minimum cumulative new money deposit into the new checking account of at least $2,000 within 60 days of account opening.
"New money" is defined as money that is not currently on deposit in any Huntington account (except maturing business CDs). Account must maintain an open status for at least 90 days before it is eligible for the bonus payment. All new accounts subject to account opening approval and account conversions are not eligible. An Early Account Closing Fee will apply to accounts closed within 180 days of opening.
- Direct Deposit Required: No
- Minimum Deposit to Open: None
- Minimum Deposit Required: Make cumulative new money deposits of at least $2,000 within 60 days of account opening and keep your account open for a minimum of 90 days
Axos Bank: Basic Business Checking
- New business owners get a $200 welcome bonus!
- Zero monthly maintenance fees
- Unlimited Transactions
- Unlimited domestic ATM fee reimbursements
- $0 Minimum Opening Deposit requirement
- 2 Free Domestic Wires, monthly
- Cash Deposit capability via MoneyPass and AllPoint networks
- Direct Deposit Required: No
- Minimum Deposit to Open: $0
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.
- Minimum Deposit to Open: $100
Bluevine: Business Checking - Up to 1.5% APY
- 1.5% APY on your balance up to $100,000 for customers that meet monthly eligibility requirements
- $0 minimum opening deposit
- $0 monthly service fee
- Minimum Deposit to Open: $0
Lili: Free Checking Account for Sole Proprietors and Single-Member LLC
- $0 monthly service fees
- $0 minimum opening deposit
- No minimum balance requirement
- No foreign exchange fee
- Get direct deposits up to 2 days earlier
- Minimum Deposit to Open: $0
Novo: Free Business Checking
- $0 monthly service fee
- $50 deposit to unlock all features
- Unlimited ATM fee rebates
- Minimum Deposit to Open: $50
Relay: No-Fee Business Checking
- $0 monthly service fee
- $0 minimum opening deposit
- Open up to 20 individual business checking accounts
- Issue up to 50 Mastercard® debit cards to your team
- Minimum Deposit to Open: $0
Axos Bank: Business Interest Checking - 1.01% APY
- New business owners get a $200 welcome bonus!
- Earn up to 1.01% APY*
- $100 minimum opening deposit
- Pay no monthly maintenance fee with an average daily balance of at least $5,000
- Unlimited domestic ATM fee reimbursements
- Up to 100 free items per month, $0.50 per item thereafter (includes debits, credit, and deposited items)
- Up to 60 items per month for Remote Deposit Anywhere (includes monthly per item processing limitation)
- Minimum Deposit to Open: $100
High Interest Rates
High Yield Savings - 2.15% APY
- 2.15% APY
- $100 minimum opening deposit
- No monthly service fees
- Minimum Deposit to Open: $100
High Yield Savings - Up to 0.61% APY
- 0.61% APY on balance < $25,000
- 0.25% APY on balance $25K-$100K
- 0.15% APY on balance > $100K
- No monthly maintenance fees
- No minimum balance requirements
- $250 minimum opening deposit
- Free incoming wires
- Zero minimum balance requirement
- Minimum Deposit to Open: $250
Money Market Account - Get a Year of Amazon Prime
- Open a new Money Market account using promo code AMZN22.
- Fund your account with $15,000 within 15 days.
- Keep a minimum balance of $15,000 for 60 days.
CIT Bank Money Market Account - 1.55% APY
- 1.55% APY
- $100 minimum opening deposit
- No monthly maintenance fee
- Minimum Deposit to Open: $100
Money Market Account - Up to 2.00% APY
- Earn 2.00% Annual Percentage Yield
- No monthly maintenance or overdraft fees
- $100 minimum deposit required to open an account
- Minimum Deposit to Open: $100
CreditDonkey Survey Results
Would you open a new bank account for a $100 bonus?
How much do you save a month?
What are you saving money for?
What's the Best Bank for Me?
The best bank for you depends on what you want out of a bank. Do you want convenience, low fees, or high interest? Here are the different types of banks and why you may pick each one.
- National banks: best accessibility. These are the big traditional banks such as Bank of America, Wells Fargo, etc. These banks typically have physical locations and ATMs throughout the country. So you can get in-person help and do your banking no matter where you are. However, these banks usually offer very low interest and have fees and/or balance requirements.
- Regional or community banks: best local service. Regional banks are usually limited to one geographical area, whether it be several states or a single city. They usually offer higher interest and less fees. But you may need to switch banks if you move.
- Credit unions: best personalized service. These can be thought of mom-and-pop banks. The locations may be very limited (sometimes only one branch), but credit unions offer higher interest, competitive loan rates, and great personalized service.
- Online banks: best interest rates. If you're comfortable with doing your banking completely on the web or via mobile app, online banks will offer the highest interest rates (in exchange for no physical locations). Many online banks have no account fees and no balance requirements.
Credit unions generally offer higher interest rates, better loan rates, lower fees, and better personalized customer service than traditional banks. Credit unions are nonprofit, whereas banks are for-profit. Banks have more nationwide accessibility, but the interest rate is usually low and they charge more fees.
What Experts Say
CreditDonkey assembled a panel of industry experts to answer readers' most pressing questions. Here's what they said:
Top Banks with Promotions
- Bank of America: Approximately 4,300 locations and 17,000 ATMs; good customer service with extended hours.
- Wells Fargo: Widespread accessibility with over 5,800 locations and 13,000 ATMs; many checking options including Opportunity Checking for those who had financial troubles.
- Ally Bank: Online bank with wide array of services, high interest rates, no fees, and great 24/7 customer service.
- Discover Bank: Online bank with high interest savings & CDs.
- Capital One: Web bank with in-person support; all banking products have no monthly service fees or minimum opening deposits.
- CIT Bank Bonus Offers: Online bank with one of the highest interest rates for online savings account.
- PNC Bank: Unique Virtual Wallet feature and financial tools that help you reach your goals; account fee is easily waived.
- TD Bank: Extended banking hours and 24/7 customer service; checking account fees waived with low account minimums.
- Alliant Credit Union: A credit union with high interest rates, ATM fee rebates, and large network of over 80,000 fee-free ATMs. Anyone can join with simple qualifications.
Chase
Pros:
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Our Review: 
(4.1) Chase has new customer bonuses and a strong nationwide presence. But there are drawbacks. Read this review to see if Chase is a good bank for you...
- 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℠ - no overdraft fee 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*
*With Chase Overdraft Assist℠, we won't charge an Insufficient Funds Fee 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 you bring your account balance to overdrawn by $50 or less at the end the next business day (you have until 11 PM ET (8 PM PT) to make a deposit or transfer). Chase Overdraft Assist does not require enrollment and comes with eligible Chase checking accounts.
(Expires 10/19/2022)- New Chase checking customers enjoy $100 when you open a Chase Secure Banking℠ account with qualifying transactions. Open an account online or at any Chase branch.
- No minimum deposit to open an account and get started.
- 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.
- Say goodbye to overdraft fees with a Chase debit card that helps you stay within your balance.
- Bank from virtually anywhere with access to 16,000 Chase ATMs, more than 4,700 Chase branches, the Chase Mobile® app and Chase Online℠.
- Get more for your money. Secure Banking customers told us they save an average of $50 a month on fees after opening their account.
- Get reimbursed for unauthorized debit card transactions when reported promptly with Zero Liability Protection.
J.P. Morgan Self-Directed Investing
- Get up to $625 when you open and fund a J.P. Morgan Self-Directed Investing account with qualifying new money.
- $625 when you fund with $250,000 or more
- $300 when you fund with $100,000-$249,999
- $125 when you fund with $25,000-$99,999
- Get unlimited commission-free online stock, ETF, fixed income, and options trades when you open an account.
- $0 Online Commission trades
- Choose an account that's right for you: General Investing, Traditional IRA or Roth IRA.
- Access our secure, easy-to-use trading experience online or through the Chase Mobile® app.
- Our powerful tools and resources are built to help you take control of your investments.
- Buy, trade, sell stocks online or the Chase Mobile App.
INVESTMENT AND INSURANCE PRODUCTS ARE:
Chase College Checking℠ - $100 Bonus
- Get $100 as a new Chase checking customer when you open a Chase College Checking℠ account and complete 10 qualifying transactions within 60 days of coupon enrollment.
- Access to 16,000 Chase ATMs and more than 4,700 branches
- No Monthly Service Fee for up to 5 years if you're a student between the ages of 17-24 at account opening with proof of student status.
- Use the Chase Mobile® app to securely deposit checks with the snap of a photo.
- Send and receive money in moments using Zelle®
- Students ages 18-24 can open an account online or at a Chase branch. 17-year-olds must open at a Chase branch.
Referral Program - Up to $500 Bonus
Bank of America
Pros:
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Our Review: (3.2) Bank of America is a national bank with many account options and user-friendly online banking. But does this convenience come at a cost? Read on...
Bank of America Advantage Plus Banking® - $100 Bonus Offer
Bank of America Advantage Relationship Banking® - $100 Bonus Offer
Bank of America Advantage SafeBalance Banking® - $100 Bonus Offer
Student Checking Account - $50 Bonus
Bank of America Advantage Plus Banking®
Business Advantage Fundamentals Banking
- 200 free transactions per month
- $7,500 in cash deposits per month
- Waive the $16 monthly fee in a variety of ways
Business Advantage Relationship Banking
- 500 free transactions per month
- $20,000 in cash deposits per month
- Waive the $29.95 monthly fee by maintaining a $15,000 combined average monthly balance
Wells Fargo
Wells Fargo offers nationwide access with thousands of ATMs and branch locations. But are their checkings and savings accounts right for you? Read on to see the best options...
Personal Checking Account - $200 Bonus
- $25 minimum opening deposit
- Waive the $10 monthly service fee by maintaining a $500 minimum daily balance or receiving $500 or more in qualifying direct deposits
- 100 free transactions each fee period
- $5,000 in cash deposits processed free each fee period
- $25 minimum opening deposit
- Waive the $10 monthly service fee by maintaining a $500 minimum daily balance or a $1,000 average ledger balance
- 250 free transactions each fee period
- $20,000 in cash deposits processed free each fee period
- $0 for stop payments and incoming wires
- $25 minimum opening deposit
- Waive the $25 monthly service fee by maintaining a $10,000 minimum daily balance or a $15,000 average ledger balance
- Access to treasury management services
- 250 free transactions each fee period
- Includes up to 5 linked Optimize Business Checking accounts
- $25 minimum opening deposit
- $75 monthly service fee; Can be offset with earnings allowance
Citibank
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Our Review: Citibank, a CreditDonkey partner, offers banking services and credit cards. But service fees and balance requirements are on the high side. Is it the right bank for you?...
Citi Priority Account - Earn up to $2,000 Cash Bonus
- Earn up to $2,000 cash bonus when you open a new eligible Citi Priority Checking Account with required activities
- Within 20 days of opening, deposit the minimum amount of new-to-Citibank funds.
- Maintain a minimum balance for 60 consecutive calendar days from the 21st day.
- If your balance falls to a lower tier at any point during the maintenance period, the bonus changes.
- Bonus will be paid within 30 days after you successfully complete all required activities.
Citi Priority Account - Earn up to $2,000 Cash Bonus
| Balance Levels | Maximum Bonus |
|---|---|
| $10,000 - $29,999 | $200 |
| $30,000 - $74,999 | $500 |
| $75,000 - $199,999 | $1,000 |
| $200,000 - $299,999 | $1,500 |
| $300,000 and above | $2,000 |
Citi Savings Account - Up to $3,500 Bonus
| Minimum Deposit and Minimum Balance | Cash Bonus |
|---|---|
| $10,000 - $29,999 | $40 |
| $30,000 - $49,999 | $100 |
| $50,000 - $99,999 | $200 |
| $100,000 - $199,999 | $400 |
| $200,000 - $499,999 | $800 |
| $500,000 - $999,999 | $1,750 |
| $1,000,000+ | $3,500 |
Citi Personal Wealth Management - Up to $5,000 Bonus
| New-to-Citi Funding | Cash Bonus |
|---|---|
| $50,000 - $199,999 | $500 |
| $200,000 - $499,999 | $1,000 |
| $500,000 - $999,999 | $2,000 |
| $1,000,000 - $1,999,999 | $3,000 |
| $2,000,000+ | $5,000 |
Citibank Business Checking - Up to $2,000 Bonus
| Qualifying Balance | Bonus |
|---|---|
| $5,000 | $200 |
| $15,000 | $500 |
| $25,000 | $700 |
| $50,000 | $1,000 |
| $100,000 | $1,500 |
| $200,000 | $2,000 |
PNC Bank
Pros:
| Cons:
|
Our Review: 
(3.5) PNC Bank has relatively low requirements to waive fees and offers many financial tools to help you meet savings goals. Read on to see if this East Coast bank is right for you...
High Yield Savings Account - 1.80% APY
- $0 minimum opening deposit.
- No fees to open or maintain account.
- Minimum balance to earn interest on your High Yield Savings account is $1.00
Virtual Wallet Checking - $50 Bonus
Virtual Wallet with Performance Select Checking - $400 Bonus
Virtual Wallet with Performance Spend Checking - $200 Bonus
Business Checking Account - $200 Bonus
Business Checking Account - $500 Bonus
Refer a Co-Worker – $100 for Each Referral
CIT Bank
Pros:
| Cons:
|
Our Review: (4.5) CIT Bank offers a high interest rate. But how reliable is this online bank? Read this review to find out if what you heard is true...
- Earn 14x the national average
- $100 minimum opening deposit
- No monthly maintenance fee
- Open a new Money Market account using promo code AMZN22.
- Fund your account with $15,000 within 15 days.
- Keep a minimum balance of $15,000 for 60 days.
- 1.55% APY
- $100 minimum opening deposit
- No monthly maintenance fee
- 2.50% APY
- Option to withdraw full balance and interest after 7 days of CD funding date
- $1,000 minimum to open an account
- 11 months
- No monthly maintenance fee
CIT Savings Builder - 1.00% APY
- Up to 2.20% APY
- $1,000 minimum opening deposit
- No monthly maintenance fee
| Term | CD Rates |
|---|---|
| 6 Month | 0.30% APY |
| 1 Year | 0.30% APY |
| 13 Month | 2.20% APY |
| 18 Month | 0.30% APY |
| 2 Year | 0.40% APY |
| 3 Year | 0.40% APY |
| 4 Year | 0.50% APY |
| 5 Year | 0.50% APY |
- Up to 0.50% APY
- $100,000 minimum opening deposit
- No monthly maintenance fee
| Term | CD Rates |
|---|---|
| 2 Year | 0.40% APY |
| 3 Year | 0.40% APY |
| 4 Year | 0.50% APY |
| 5 Year | 0.50% APY |
- Earn over 8x the national average
- New customers can apply online with a minimum of $100 to open an account
- Fund the account with electronic transfer, mail in check, or wire transfer
- No monthly service fees
- Deposit checks remotely and make transfers with the CIT Bank mobile app
Discover Bank
Pros:
| Cons:
|
Our Review: (4.6) Discover offers high interest rates on its online savings and CD accounts. But there are downsides. Here's what you need to know before you open an account...
Discover Online Savings - $200 Cash Bonus
Discover Online Savings - $150 Cash Bonus
Online Savings Account - Earn 2.00% APY
- No fees
- No minimum opening deposit
- No minimum balance required
- 2.70% APY for 12-month term
- 3.10% APY for 36-month term
- 3.25% APY for 5-year term
- Earn 1.90% APY for balances under $100,000
- Earn 1.95% APY for balances $100,000 and over
- $2,500 minimum opening deposit
- No fees
- FDIC insured
| Term | CD Rates |
|---|---|
| 3 Months | 0.75% APY |
| 6 Months | 1.00% APY |
| 9 Months | 1.25% APY |
| 1 Year | 2.70% APY |
| 1.5 Years | 2.80% APY |
| 2 Years | 3.00% APY |
| 2.5 Years | 3.00% APY |
| 3 Years | 3.10% APY |
| 4 Years | 3.15% APY |
| 5 Years | 3.25% APY |
| 7 Years | 3.25% APY |
| 10 Years | 3.25% APY |
- 2.70% APY for 12-month term
- 3.10% APY for 36-month term
- 3.25% APY for 5-year term
Capital One
Pros:
| Cons:
|
Our Review: (4.3) Capital One 360 checking and savings accounts are free to open and offer higher-than-average APY rates. Does this popular web bank live up to its claims? Find out if it's right for you...
360 Performance Savings - 2.00% APY
- 2.00% APY
- $0 opening minimum
- No monthly service fee
- No minimum balance requirement
- Unlimited free transactions each month
- $5,000 in free cash deposits each month
- Waive the $15 monthly service fee by maintaining a prior 30- or 90-day average balance of $2,000 or more
- 0.20% promotional APY, guaranteed for the first 12 months
- $250 minimum opening deposit
- $3 monthly service fee, waived with $300 average daily balance
- No monthly service fee
- No minimum balance
- Free debit card for kids
- Parental controls
- $0 opening minimum
- No monthly service fee
- No minimum balance requirement
- 0.10% APY
- 40,000+ Allpoint ATMs
- Up to 3.25% APY
- Up to 5 years
- $0 minimum opening deposit
- Daily Compounding Interest
- FDIC Insured
Regions Bank
Pros:
| Cons:
|
Our Review: (3.4) Regions Bank offers a variety of deposit products, easy account opening requirements, and special reward programs. Read on to see if this bank is right for you...
LifeGreen Savings Account – Up to $100 Annual Savings Bonus
Personal Checking Account - $200 Bonus
Business Referral Program - $150 Bonus
Regions Now Savings Account – Up to $100 Annual Savings Bonus
Bluevine
Pros:
| Cons:
|
Our Review: (3.8) Bluevine offers free business checking with a high interest rate. But what's the catch? Is it right for your business? Read on for the full review...
Business Checking - Up to 1.5% APY
- 1.5% APY on your balance up to $100,000 for customers that meet monthly eligibility requirements
- $0 minimum opening deposit
- $0 monthly service fee
Open a Free Business Checking Account
- 1.5% APY on your balance up to $100,000 for customers that meet monthly eligibility requirements
- $0 minimum opening deposit
- $0 monthly service fee
M&T Bank
Pros:
| Cons:
|
Our Review: (3.4) If you are on the upper East Coast, you probably see M&T Bank frequently. With a free checking option and a range of deposit accounts, does it meet your needs?...
Personal Checking Account - Up to $200 Bonus
Personal Checking Account - $350 Bonus
M&T Tailored Business Checking Account - $300 Bonus
M&T Tailored Business Checking Account - Up to $600 Bonus
TD Bank
Pros:
| Cons:
|
Our Review: (3.9) TD Bank offers extended customer hours and easy online banking. Are these perks worth it? Find out what makes TD Bank a great choice for you and some reasons to look elsewhere...
- 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, Overdraft Payback and more.
- Monthly maintenance fee waived when you receive monthly direct deposits of $5,000 or more within a statement cycle, or maintain a minimum daily balance of $2,500, or a combined balance of $25,000 across eligible TD accounts.
- TD ATM fees waived at any ATM and non-TD fees reimbursed when you keep at least a $2,500 daily balance
- 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 contactless technology Visa Zero Liability protection and 24/7 fraud monitoring.
- Monthly maintenance fee waived on one TD Simple Checking℠ account and any Savings accounts. Plus, get free standard check orders, money orders, official bank checks and stop payments.
TD $200 Convenience Checking Bonus
- Earn $200 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, stolen, or damaged debit card by visiting a TD Bank location near you
- Access accounts via Online Banking with Bill Pay, Online Statements, Send Money with Zelle and TD Bank Mobile Deposit. Plus, get 24/7 cash access at TD ATMs in the U.S. and Canada and around-the-clock Live Customer Service.
- TD checking accounts come with an instant-issue debit card - and, you can pay with confidence with contactless technology Visa Zero Liability protection and 24/7 fraud monitoring.
- Get a 0.25% discount on TD Bank Home Equity and Personal Loans.
TD Beyond Savings - $200 Cash Bonus
TD Simple Savings - $200 Cash Bonus
TB Business Convenience Checking Plus
- 500 free transactions each month
- $5,000 in cash deposits processed free each month
- Waive the $25 monthly service fee by maintaining a $1,500 combined minimum daily balance with one TD personal checking account
Citizens Bank
Pros:
| Cons:
|
Our Review: (3.8) Are you looking for a bank that will not only keep your money, but also help push you to meet your financial goals? If so, you may want to consider Citizens Bank...
Personal Checking Account - $300 Bonus
Personal Checking Account - $400 Bonus
Personal Checking Account - $300 Bonus
Personal Checking Account - $400 Bonus
Clearly Better Business Checking
- $0 monthly fee
- No minimum balance requirement
- Up to 200 check transactions per statement period at no charge
HSBC Bank
Pros:
| Cons:
|
Our Review: (3.7) HSBC Bank offers a global banking account ideal for those who live and work overseas. Is it right for your needs? Read on for the pros and cons...
HSBC $500 Premier Checking Bonus
- Receive a $500 Welcome Deposit for eligible new customers who open a new HSBC Premier checking account and complete the following qualifying activities.
- Open your new HSBC Premier checking account online, using this offer page, by February 15, 2023.
- Make recurring Qualifying Direct Deposits totaling at least $10,000 per month from a third party to your HSBC Premier checking account(s) for 3 consecutive calendar months from the second full calendar month after account opening.
- You will automatically receive the $500 Welcome Deposit in your new HSBC Premier checking account approximately eight weeks after completing all qualifying activities. It's that simple.
- Deposit products are offered in the U.S. by HSBC Bank USA, N.A. Member FDIC.
Lili
Pros:
| Cons:
|
Our Review: (4.4) Lili offers a business checking account and debit card for freelancers and independent contractors. Review the features to find out if Lili is worth it...
Free Checking Account for Sole Proprietors and Single-Member LLC
- $0 monthly service fees
- $0 minimum opening deposit
- No minimum balance requirement
- No foreign exchange fee
- Get direct deposits up to 2 days earlier
- $4.99 monthly service fee
- Emergency savings account with 1% APY
- Create and send unlimited invoices
- Up to $200 fee-free overdraft
- Cashback with selected merchants
Ally Bank
Pros:
| Cons:
|
Our Review: (4.4) Ally Bank offers good interest rates and no account minimums. But is this popular online bank good for you? Learn the benefits (and drawbacks) here...
Online Savings Account - 2.00% APY
- 0.10% APY for daily balances less than $15,000
- 0.25% APY for daily balance over $15,000
- Be reimbursed $10/month for ATMs outside of Ally Network
- $0 Minimum Opening Deposit
- No Fees to Open or Maintain Account
- FDIC insured
- Daily Compounding Interest
- 2.00% APY
- Unlimited deposits and ATM withdrawals, and up to 6 additional transaction
- Be reimbursed $10/month for ATMs outside of Ally Network
- $0 Minimum Opening Deposit
- No Fees to Open or Maintain Account
- FDIC insured
- Daily Compounding Interest
- Up to 3.10% APY
- $0 Minimum Opening Deposit
- Up to 5 years
- No monthly maintenance fee
- FDIC insured
- Daily Compounding Interest
- 2.50% APY
- 2 or 4-Year Terms
- Opportunity to increase your rate once over the 2-year term or twice over the 4-year term
- $0 Minimum Opening Deposit
- No monthly maintenance fee
- FDIC insured
- Daily Compounding Interest
- Withdraw Full Balance and Interest After 6 Days of CD Funding Date Without Penalty
- 2.00% APY
- 11 Months
- No monthly maintenance fee
- FDIC insured
- Daily Compounding Interest
Associated Bank
Pros:
| Cons:
|
Our Review: (3.6) If you live in the Midwest, you've likely heard of Associated Bank. Its account offerings are basic with higher fees, but is it a good fit for you? Read on...
- $0 monthly fee
- No minimum balance requirement
- No fee for first 50 transactions
Referral Program - Up to $500 Bonus
Relay
Pros:
| Cons:
|
Our Review: (4.6) Relay Financial offers online banking services for businesses. Yes, it is free. But, is it the right platform for you? Find out...
- $0 monthly service fee
- $0 minimum opening deposit
- Open up to 20 individual business checking accounts
- Issue up to 50 Mastercard® debit cards to your team
Synchrony Bank
Pros:
| Cons:
|
Our Review: (4.3) Synchrony offers some of the highest savings and CD rates. But there are downsides. Read this review before you open an account...
High Yield Savings - 2.15% APY
- 1.50% APY
- $0 minimum opening deposit
- No minimum balance requirement
- No fees to open or maintain account
- ATM card
- Daily Compounding Interest
- FDIC Insured
- Up to 3.50% APY
- Up to 5 years
- $0 minimum opening deposit
- Daily Compounding Interest
- FDIC Insured
- Up to 3.50% APY
- Up to 5 years
- $0 minimum opening deposit
- Ability to open Roth or Traditional IRA
- Ability to add funds during 10-day grace period after CD maturity
- FDIC Insured
- 1.50% APY
- $250 minimum deposit to open account
- Ability to open Roth or traditional IRA account
- Make deposits at any time rather than waiting for a maturity date
- FDIC Insured
TIAA Bank
Pros:
| Cons:
|
Our Review: (4.2) If you have a large opening deposit, TIAA Bank provides a variety of options at high rates. But there are downsides. Read on to see if it's right for you...
- 0.10% APY on all balance tiers
- $100 Minimum Opening Deposit
- No monthly service fee
- U.S. ATM fees reimbursement (unlimited with minimum average daily balance of $5,000; otherwise up to $15/monthly)
- Top 5% yields always
- Daily Compounding Interest
- FDIC insured
- 1.60% APY on all balance tiers
- $500 Minimum Opening Deposit
- No monthly service fee
- Move money up to 6 times a month
- U.S. ATM fees reimbursement (unlimited with minimum average daily balance of $5,000; otherwise up to $15/monthly)
- Top 5% yields always
- Daily Compounding Interest
- FDIC Insured
- 3.10% APY
- 3.5-Year Term
- $1,500 Minimum Opening Deposit
- Opportunity to increase your rate once over the term
- No monthly maintenance fee
- Daily Compounding Interest
- FDIC insured
- $0 monthly fees
- $1,500 minimum to open
- ATM fee reimbursements
Yield Pledge Checking Account - $150 Bonus
Yield Pledge Money Market Account - $300 Bonus
Novo
Pros:
| Cons:
|
Our Review: (3.3) Novo Bank provides digital banking services for entrepreneurs and small businesses. Explore Novo's features, business perks, and fees in this review...
- $0 monthly service fee
- $50 deposit to unlock all features
- Unlimited ATM fee rebates
KeyBank
Pros:
| Cons:
|
Our Review: (3.3) Are you looking for a no-frills checking account or maybe a bank that offers relationship banking services/interest rates? You may have found your fit with KeyBank...
Referral Program - Up to $500 Bonus
Personal Checking Account - $400 Bonus
Personal Checking Account - $200 Bonus
Axos Bank
Pros:
| Cons:
|
Our Review: (4.0) Axos Bank offers full-service banking completely online with no fees. Find out below whether they can replace your traditional bank account...
Rewards Checking - Up to 1.25% APY
- Up to 1.25% APY
- Zero monthly maintenance fees
- Zero overdraft or NSF fees
- Zero minimum monthly balance reqs
- Unlimited domestic ATM fee reimbursements
- Online debit card management
- Simple, 3-step process for direct deposit
- Only $50 to open an account
- Unlimited domestic ATM reimbursements
- No monthly maintenance fees
- No annual fee
- No overdraft or non-sufficient funds fee
High Yield Savings - Up to 0.61% APY
- 0.61% APY on balance < $25,000
- 0.25% APY on balance $25K-$100K
- 0.15% APY on balance > $100K
- No monthly maintenance fees
- No minimum balance requirements
- $250 minimum opening deposit
- Free incoming wires
- Zero minimum balance requirement
- New business owners get a $200 welcome bonus!
- Zero monthly maintenance fees
- Unlimited Transactions
- Unlimited domestic ATM fee reimbursements
- $0 Minimum Opening Deposit requirement
- 2 Free Domestic Wires, monthly
- Cash Deposit capability via MoneyPass and AllPoint networks
Business Interest Checking - 1.01% APY
- New business owners get a $200 welcome bonus!
- Earn up to 1.01% APY*
- $100 minimum opening deposit
- Pay no monthly maintenance fee with an average daily balance of at least $5,000
- Unlimited domestic ATM fee reimbursements
- Up to 100 free items per month, $0.50 per item thereafter (includes debits, credit, and deposited items)
- Up to 60 items per month for Remote Deposit Anywhere (includes monthly per item processing limitation)
Business Money Market - 0.20% APY
- New business owners get a $200 welcome bonus!
- Earn 0.20% APY
- $1,000 minimum opening deposit
- No monthly maintenance fee with average daily balance of at least $5,000
- New business owners get a $200 welcome bonus!
- Earn 0.20% APY
- $1,000 minimum opening deposit
- No monthly maintenance fees with $2,500 minimum average daily balance
CashBack Checking - Earn up to 1.00% Cash Back
- Earn up to 1.00% cash back on signature-based purchases
- Unlimited domestic ATM fee reimbursement
- No monthly maintenance fee
- $50 minimum balance required to open account
- Joint checking account for 13-17 year olds
- No fees
- Up to $12 domestic ATM fee reimbursements per month
- Interest-bearing checking account for age 55+
- No fees
- Free personal checks
Charles Schwab Bank
Pros:
| Cons:
|
Our Review: (4.1) Charles Schwab is more than a brokerage. It also offers high yield checking and savings interest rates that might far surpass your local bank. Read on to learn the pros and cons...
High Yield Investor Checking – Unlimited ATM Rebates
First Internet Bank
- 0.50% APY
- $100 Minimum Opening Deposit
- $10 monthly service fee, waived with $500 average daily balance
- Up to $10/month ATM fee reimbursement
- FDIC insured
- 1.92% APY with a daily balance of $1,000,000 or less
- 2.27% APY with a daily balance above $1,000,000
- $100 Minimum Opening Deposit
- $5 monthly service fee, waived with $4,000 average daily balance
- Free ATM card
- Up to $10/month ATM fee reimbursement
- FDIC insured
- 0.80% APY
- $25 Minimum Opening Deposit
- $5 monthly service fee, waived with $4,000 average daily balance
- Free ATM card
- Up to $10/month ATM fee reimbursement
- FDIC insured
- Up to 3.25% APY
- Up to 5 years
- $1,000 Minimum Opening Deposit
- No monthly service fee
- FDIC insured
- 0.90% APY with a daily balance of $250,000 or less
- $100 minimum opening deposit
- $2 monthly service fee, waived with $1,000 average daily balance
- $0 monthly fee
- Earn 0.50% APY with an average daily balance of $10,000
- No minimum balance required
- No transaction fees
First National Bank of Omaha
- $0 monthly fee
- No minimum balance requirement
- 150 free transactions per month
MemoryBank
EarnMore Checking Account - 0.02% APY
Money Market Account - 0.15% APY
Popular Direct
- 1.90% APY
- $5,000 Minimum Opening Deposit
- FDIC Insured
- Up to 3.40% APY
- Up to 5 years
- $10,000 Minimum Balance
- FDIC Insured
Salem Five Direct
- 1.65% APY
- $10 Minimum Opening Deposit
- No Minimum Balance Requirement
- No Fees to Open or Maintain Account
- FDIC Insured
- Up to 3.00% APY
- 12-month, 18-month, or 24-month
- $10,000 Minimum Balance (Max $500,000)
- No Fees to Open or Maintain Account
- FDIC Insured
- 0.01% APY
- $10 Minimum Opening Deposit
- No Minimum Balance Requirement
- No Fees to Open or Maintain Account
- Free debit card with cash back on all non pin-based purchases
- Up to $15/month ATM fee reimbursement
- FDIC Insured
Copper
Pros:
| Cons:
|
Our Review: (4.1) Copper Banking is a new banking platform to teach teens financial literacy. Discover the features, pros, and cons of Copper Banking in this review...
Get $5 After You Complete the Registration Process
$5 Promo: Banking App and Debit Card for Teens
- Engaging educational content, monitor spending, fast transfers
- Age: 13 years and older
- Fees: None
First Citizens Bank
Pros:
| Cons:
|
Our Review: (2.9) First Citizens Bank offers many account options with low opening deposits and fees. But there are downsides. Find out if First Citizens is a good bank for you...
- $0 monthly fee when you enroll in paperless statements
- $50 minimum opening deposit
- No minimum balance
- $0 monthly fee
- $100 opening deposit
- 150 free transactions each month
- $5,000 in cash deposits processed free each month
Greenlight
Pros:
| Cons:
|
Our Review: (3.8) Looking to teach your kids or tweens how banks and debit cards really work? Greenlight may be for you. Learn the pros, cons, fees, and more in this review...
Greenlight Debit Card for Kids
All Ages - Banking and Invest in One App
- Flexible controls, spending notifications, in-app chore list
- Age: No minimum age
- Fees: Starts at $4.99/month, per family (up to 5 kids). $7.98/month for Greenlight + Invest
Quontic
Pros:
| Cons:
|
Our Review: (4.3) Quontic Bank aims to provide a better experience (and rewards) for those underserved by traditional banks. Review the rates, fees, and customer reviews...
- $500 minimum opening deposit
- FDIC insured
| Term | CD Rates |
|---|---|
| 6 Months | 1.70% APY |
| 1 Year | 2.50% APY |
| 2 Years | 2.80% APY |
| 3 Years | 3.00% APY |
| 5 Years | 3.20% APY |
High Interest Checking - Up to 1.10% APY
- Earn up to 1.10% APY
- $100 minimum opening deposit
- APY is based on the account balance and making at least 10 qualifying debit card point-of-sale transactions of $10.00 or more per statement cycle.
High Yield Savings - 2.15% APY
- 2.15% APY
- $100 minimum opening deposit
- No monthly service fees
Money Market Account - Up to 2.00% APY
- Earn 2.00% Annual Percentage Yield
- No monthly maintenance or overdraft fees
- $100 minimum deposit required to open an account
- Get 1.5% Bitcoin on All Eligible Debit Card Purchases
- $500 minimum opening deposit
- Get 1.5% Cash Back on All Eligible Debit Card Purchases
- $100 minimum opening deposit
Alliant Credit Union
Pros:
| Cons:
|
Our Review: (3.8) Looking for a good checking account for teenagers? Find out if Alliant Teen Checking is safe and legit for your child...
Personal Checking Account - $100 Bonus
Alliant Credit Union High-Rate Checking
- 0.25% APY when you opt in to eStatements and have at least one monthly electronic deposit to your account
- No monthly service fee
- No minimum balance requirement
- Up to $20/month in ATM fee rebates
- 1.80% APY when you maintain average daily balance of $100 or more
- No monthly fee when you opt in to eStatements
- $5 initial deposit
Aspiration
Pros:
| Cons:
|
Our Review: (3.3) Aspiration offers socially-responsible banking services and investment products with a unique "Pay What Is Fair" approach. Is it too good to be true? Read on...
- $10 opening deposit
- No minimum balance requirement
- No monthly fee - pay what you think is fair
- 55,000+ fee-free ATMs
- Plant a tree with every deposit when you round up to nearest whole dollar
Aspiration Plus - Earn Up to 5% APY
- 5.00% APY on the first $10,000 of your savings
- $7.99/mo; $5.99/mo if you pay annually
- Deposits won't fund fossil fuel exploration or production
- Get paid up to 2 days early
- $10 minimum opening deposit
- 55,000 free in-network ATMs
- Automatic offsets for the negative climate impact of driving your car with Planet Protection
- One out-of-network ATM reimbursement monthly
Pay What Is Fair - Earn Up to 3% APY
- 3.00% APY on the first $10,000 of your savings
- Deposits won't fund fossil fuel exploration or production
- Get paid up to 2 days early
- $10 minimum opening deposit
- 55,000 free in-network ATMs
Bank of the West
If you live in the West, you've likely heard of Bank of the West. Is it worth putting your money at this bank or is it just another "low interest" big bank that has little to offer unless you have a lot of money to deposit?...
Referral Program - Up to $1,000 Bonus
Personal Checking Account - $250 Bonus
Chime
Pros:
| Cons:
|
Our Review: (4.5) Chime has no monthly fees, so what's the catch with the app? Find out how you can get paid two days early and grow your savings...
Deposit a Check Using a Mobile App (No Monthly Fees)
Comerica Bank
Do you look for a wide range of account options at banks? Do you want a bank that offers free savings accounts with any checking account? Comerica Bank may provide what you need...
- $0 monthly fee
- No activity fee for the first 75 transactions (debits, deposited items, and credits) per month
- No cash deposited fee for the first $2,500 deposited per month
Referral Program - Up to $500 Bonus
Current
Pros:
| Cons:
|
Our Review: (4.3) Current offers banking features like savings, and debit card options — but is it legit? Find out the pros, cons, and how it compares to Chime...
- Get Paid Up to 2 Days Faster
- Fee-Free Overdraft up to $200 with Overdrive
- 40,000 fee-free Allpoint ATMs in the U.S.
- No minimum balance or hidden fees
Convenient Teen Account With Debit Card
- Easy transfers, set spending limits, automate allowances
- Age: 13 years and older
- Fees: No monthly or annual fee
Fee-Free Overdraft up to $200 with Overdrive
Current Savings with Interest - Up to 4% APY
- Any member who signs up for a Current Personal Account can get 4.00% Annual Percentage Yield ("APY") on up to a total of $6,000.
- Members simply add money to their Savings Pods and enable the Interest feature.
- Members can seamlessly transfer money between Savings Pods and their spending balance and interest accumulates daily.
Dollar Bank
What do you look for in a bank? If it's more than the interest rates you earn and more about the service you receive, you might want to put Dollar Bank on your radar...
Referral Program - Up to $500 Bonus
Empower
Pros:
| Cons:
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Our Review: (3.0) Find out how Empower, a new innovative banking platform, uses AI to help you better manage your finances and savings, and more...
FirstBank
What do you look for in a bank account? Do you prefer simple, no-frills accounts or do you need all of the bells and whistles? If simple bank accounts are your cup of tea, you may find that FirstBank has just what you need...
Personal Checking Account - $300 Bonus
Personal Checking Account - $300 Bonus
Flagstar Bank
You might know Flagstar Bank as a mortgage lender, but they pack quite a punch when it comes to the banking side of things. If you live in Michigan, you may want to check out what Flagstar Bank has to offer...
Business Checking Account - $500 Bonus
- $0 monthly fee
- Conduct up to 200 transactions per month at no charge
- Deposit up to $5,000 in cash per month with no cash deposit fee
Frost Bank
Is local customer service important to you when you bank? Do you live in Texas? If so, you may want to put Frost Bank on your list of possible banks. As one of the larger banks in Texas, Frost Bank offers "human" customer service and personal touches that you won't see anywhere else...
LendingClub Bank
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Our Review: (4.0) LendingClub Bank (formerly Radius Bank) offers high yield savings and checking accounts. So what's the catch? Read on to see if this online bank is worth it...
- No monthly service fee
- $100 opening deposit
- 2.07% APY
- Earn 1.00% cash back on purchases when you use your LendingClub debit card.
- Earn 0.15% APY on balances of $100,000 & up.
- Earn 0.10% APY on balances of $2,500–$99,999.99.
Tailored Checking - Business Banking
- $100 minimum opening deposit
- No monthly service fee for balances over $500
- Unlimited ATM fee rebates worldwide
Marcus by Goldman Sachs
Marcus by Goldman Sachs offers savings accounts and CDs at high interest rates. But don't expect accounts with a lot of bells and whistles. Read on for the pros and cons...
Marcus Online Savings - Earn 2.15% APY
12-month High-Yield CD - Earn 3.00% APY
13-month No-Penalty CD - Earn 2.20% APY
Nationwide
Advantage Checking - Up to 0.90% APY
- Up to 0.90% APY
- $50 minimum opening deposit
- No monthly service fee
- No minimum balance requirement
- 80,000+ fee-free ATMs
- Relationship pricing 0.20% / 0.30% (direct deposit of $1K)
- $100 minimum opening deposit
- No monthly service fee
- No minimum balance requirement
NorthOne
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Our Review: (4.3) NorthOne is a banking platform for small businesses. But is it right for you? Find out the unique features it offers and how it compares...
Get 3 months of free business banking
Get 1 month of free business banking
Business Referral Program - $75 Bonus
- Unlimited envelopes for all your business budgets
- Integrations with popular accounting and payment processing apps
- Free invoice maker
- $50 minimum opening deposit
- $10 monthly fee
Ponce Bank
13 Month High-Yield CD - 1.31% APY
- 1.31% APY
- FDIC Insured
- No Fees
36 Month No-Penalty CD - 3.00% APY
- 3.00% APY
- FDIC Insured
- No Fees
48 Month High-Yield CD - 1.61% APY
- 1.61% APY
- FDIC Insured
- No Fees
5 Month High-Yield CD - 0.25% APY
- 0.25% APY
- FDIC Insured
- No Fees
Money Market Account - 2.50% APY
- 2.50% APY
- No monthly service fee
- No limits on withdrawals
Till
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Our Review: (3.7) Is Till Financial legit and safe for kids? Find out how a Till debit card compares to competitors like Greenlight and GoHenry...
New User: $25 Bonus using the voucher code CREDITDONKEY
UFB Direct
UFB Savings - Earn up to 2.61% APY
- Earn up to 2.61% APY*
- No monthly maintenance fees
- No minimum deposit required to open an account
UFB Money Market Account - Earn up to 2.61% APY
- Earn up to 2.61% APY*
- No monthly maintenance fees with a $5,000.00 balance, otherwise fee is $10.00 per month
- No minimum deposit required to open an account
- UFB Money Market offers the security of a savings account with check-writing privileges.
Union Bank
If you are in the market for a simple bank account that allows you to pick and choose the features that you pay for, Union Bank may be the bank for you...
- $0 monthly fee
- Unlimited combined transactions at no cost
- First $10,000 of cash deposited each statement period at no cost
Webster Bank
Webster Bank offers bank accounts for those just starting out as well as those looking for a "premier" bank account. Do their services live up to your needs? Keep reading to find out...
Personal Checking Account - Up to $1,000 Bonus
Personal Checking Account - Up to $300 Bonus
Personal Checking Account - Up to $500 Bonus
Referral Program - Up to $500 Bonus
Wise
- You get a great exchange rate and a low, upfront fee every time.
- You move your money as fast as the banks, and often faster – some currencies go through in minutes.
- Your money is protected with bank-level security.
- You join over 7 million customers who transfer in 47 currencies across 70 countries.
US Bank
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Our Review: (3.7) U.S. Bank is the 5th largest bank in the US, but does that make them a good bank for you? Do you need a large national bank or is a smaller bank more your style?...
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.
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.
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.
- Get a basic checking account with all the standard features with a U.S. Bank Easy Checking account.
- Enjoy a U.S. Bank Visa Debit Card, mobile and online banking with bill pay and more.
- No ATM transaction fees or surcharge fees at U.S. Bank and MoneyPass® Network ATMs. Member FDIC.
- Multiple ways to waive the monthly maintenance fee.
- Overdraft protection with no fees for overages less than $50 and extra time with Overdraft Fee Forgiven program
- Applicant must reside in AZ, AR, CA, CO, ID, IL, IN, IA, KS, KY, MN, MO, MT, NE, NV, NM, NC, ND, OH, OR, SD, TN, UT, WA, WI, WY to be eligible for Checking account
- Receive special benefits for U.S. Bank credit card and loan customers with a U.S. Bank Gold Checking account.
- The monthly maintenance fee can be waived if you have an open U.S. Bank personal loan, line, mortgage or credit card.
- Pay no ATM transaction fees at U.S. Bank and MoneyPass® Network ATMs. No ATM transaction fees are charged on your first two non-U.S. Bank ATM transactions per statement period. Note: Non-U.S. Bank ATM transaction fees apply after two. Member FDIC
- Overdraft protection with no fees for overages less than $50 and extra time with Overdraft Fee Forgiven program
- Enjoy a U.S. Bank Visa Debit Card, mobile and online banking with bill pay and more.
- Get up to two additional Easy Checking accounts for family members, including minors, with no monthly maintenance fee
- Applicant must reside in AZ, AR, CA, CO, ID, IL, IN, IA, KS, KY, MN, MO, MT, NE, NV, NM, NC, ND, OH, OR, SD, TN, UT, WA, WI, WY to be eligible for Checking account
- Experience our top-tier package with all the perks with a U.S. Bank Platinum Checking account.
- Pay no ATM transaction fees for non-U.S. Bank ATM transactions. Member FDIC.
- Pay no fees for copies of checks and paper statements
- Overdraft protection with no fees for overages less than $50 and extra time with Overdraft Fee Forgiven program
- Pay no fees for copies of checks and paper statements
- Get your initial box of U.S. Bank logo checks free, or enjoy a 50% discount on all other personal designs, with a 50% discount on any re-orders of U.S. Bank logo or personal designs.
- Get additional Easy Checking accounts for family members, including minors, with no monthly maintenance fee.
- Account earns interest.
- Applicant must reside in AZ, AR, CA, CO, ID, IL, IN, IA, KS, KY, MN, MO, MT, NE, NV, NM, NC, ND, OH, OR, SD, TN, UT, WA, WI, WY to be eligible for Checking account
Silver Business Checking Account Package
- $0 monthly service fee
- 125 free transactions per statement cycle
- 25 free cash deposits per statement cycle
Fifth Third Bank
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Our Review: (3.3) Fifth Third Bank has higher balance requirements and high service fees if they're not met. But it offers some unique programs. Read on to see if Fifth Third Bank is a good fit for you...
Fifth Third Checking Account - $250 Bonus
Fifth Third Momentum® Checking - $250 Bonus
Fifth Third Preferred Checking® - $250 Bonus
Huntington Bank
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Our Review: (3.9) Huntington Bank provides great accounts benefits like free Overdraft Protection Transfers. Read on to see if this bank is right for you...
Huntington Perks Checking℠ - $200 Bonus
Huntington Platinum Perks Checking℠ - $300 Bonus
Unlimited Plus Business Checking - $750 Bonus
Unlimited Business Checking - $400 Bonus
Business Checking 100 - $100 Bonus
Huntington Bank Fixed Rate CDs
| Term | CD Rates |
|---|---|
| 1 Month | 0.05% APY |
| 3 Months | 0.05% APY |
| 6 Months | 0.10% APY |
| 9 Months | 0.10% APY |
| 12 Months | 0.10% APY |
| 18 Months | 0.10% APY |
| 24 Months | 0.10% APY |
| 36 Months | 0.10% APY |
| 48 Months | 0.10% APY |
| 60 Months | 0.10% APY |
| 72 Months | 0.10% APY |
Huntington Bank Jumbo Fixed Rate CDs
| Term (Days) | CD Rates |
|---|---|
| 7 | 0.05% APY |
| 14 | 0.05% APY |
| 30 | 0.05% APY |
| 60 | 0.05% APY |
| 90 | 0.05% APY |
| 180 | 0.10% APY |
| 270 | 0.10% APY |
| 365 | 0.10% APY |
| 547 | 0.10% APY |
| 730 | 0.10% APY |
| 912 | 0.10% APY |
| 1095 | 0.10% APY |
| 1460 | 0.10% APY |
| 1825 | 0.10% APY |
| Balance | APY |
|---|---|
| $0.01 to $2,499.99 | 0.02% |
| $2,500.00 and over | 0.05% |
Premier Savings Account - Earn 0.01% APY
Relationship Money Market Account
| APY | |
|---|---|
| Non-Relationship | 0.05% |
| With Huntington Perks Checking Account | 0.05% |
| With Huntington Platinum Perks Checking Account | 0.05% |
| With Private Client Account | 0.06% |
BMO Harris Bank
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Our Review: (3.5) BMO Harris offers low fees and a large ATM network. But savings rates are low. However, the strong features can still make it a good bank for you. Read on...
BMO Harris Smart Advantage™ Account - $300 Cash Bonus
BMO Harris Smart Money™ Account - $300 Cash Bonus
BMO Harris Premier™ Account - $500 Cash Bonus
Business Checking Account - $300 Bonus
Business Checking Account - $500 Bonus
- Up to $25 rebated per statement period on ATM surcharge fees charged by other banks
- $25 monthly fee may be waived if you meet any of the following requirements: minimum daily ledger balance of $10,000 or more for the previous calendar month, monthly combined balance of $25,000 for the previous calendar month, if you have a BMO Investment Services (BIS) account, or if you are a Best of BMO US client.
BMO Harris Smart Advantage™ Account
- No minimum balance required
- Unlimited transactions at 40,000+ ATMs nationwide
- $2 monthly fee for paper statements and $3 monthly fee for check images are waived with paperless statements
BMO Harris Smart Money™ Account
- No minimum balance required
- Unlimited transactions at 40,000+ ATMs nationwide
- $5 monthly maintenance fee ($0 if you're under 25 years old)
Savings Account - Up to $60 Bonus
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