Best Bank Promotions and Bank Bonus Offers for June 2023
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 |
Chase Secure Banking℠ | $100 Bonus | Review |
Chase College Checking℠ | $100 Bonus | Review |
Chase Private Client | $3,000 | Review |
TD Beyond Checking | $300 Cash | Review |
TD Convenience Checking℠ | $200 Cash | Review |
Discover Online Savings | $200 Bonus | Review |
Discover Online Savings | $150 Bonus | Review |
CIT Bank Platinum Savings | 4.85% APY | Review |
CIT Bank Savings Connect | 4.60% APY | Review |
Discover Bank Online Savings Account | 3.90% APY | Review |
CIT Bank Term CDs | Up to 5.00% APY | Review |
CIT Bank No Penalty CD | 4.90% 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 |
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 Bonuses and 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
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.
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 more than 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.
- JPMorgan Chase Bank, N.A. Member FDIC
- 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 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 you bring your account balance to overdrawn by $50 or less at the end of 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
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
U.S. Bank Smartly® Checking and Standard Savings - Up to $400 Bonus
Complete these steps within 90 days of opening your new Bank Smartly checking account online to earn $300:
- Enroll in online banking or the U.S. Bank Mobile App
- Complete two or more direct deposits of $5,000 or more
- Complete 10 or more debit card purchases totaling at least $100
Earn $100 when you open a new Standard Savings account, by June 20, 2023, complete deposit(s) of $15,000 or more by July 13, 2023 and maintain a total account balance of $15,000 until October 13, 2023.
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
- Minimum Deposit to Open: $25
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 |
Chase Secure Banking℠ - $100 Bonus
- New Chase checking customers enjoy a $100 checking account bonus when you open a Chase Secure Banking℠ account with qualifying transactions. Open online or at any Chase branch.
- Set up direct deposit and you may get your money up to two business days early-exclusively for Chase Secure Banking℠ customers.
- No minimum deposit to open an account and get started.
- No overdraft fees with a Chase debit card that helps you stay within your balance.
- Chase Secure Banking℠ customers told us they save an average of $50 a month on fees after opening their account.
- JPMorgan Chase Bank, N.A. Member FDIC.
- Pay bills, cash checks and send money with Zelle® all for a $4.95 monthly service fee.
- Bank from anywhere with access to more than 16,000 Chase ATMs, more than 4,700 Chase branches, the Chase Mobile® app and Chase Online℠.
- Direct Deposit Required: No
- Minimum Deposit to Open: $0
- Minimum Deposit Required: None
Citigold® Checking Account - Earn up to $2,000 Bonus
- Earn up to $2,000 cash bonus when you open a new eligible Citigold® Checking Account with required activities
- Within 20 days of opening, deposit $200,000 new-to-Citibank funds
- Maintain a minimum balance of $200,000 for 60 consecutive calendar days. The bonus will be deposited to your open, eligible account within 30 calendar days after you complete all required activities.
- No monthly service fee when you maintain a combined average monthly balance of $200,000+ in eligible linked deposit, retirement and investment accounts
Rewards Checking - Up to 3.30% APY
- Use the promo code RC100 when you apply for a Rewards Checking account by 06/30/23. Then have qualifying direct deposit(s) to earn up a $100 welcome bonus!
- Up to 3.30% 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
- Minimum Deposit Required: $50
Chase College Checking℠ - $100 Bonus
- Enjoy $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.
- 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.
- Students ages 18-24 with a Social Security Number can open an account online or at a Chase branch. Students with no Social Security number and 17-year-olds can only open an account at a branch.
- Manage your money, see your accounts, and pay your bills using the Chase Mobile® app.
- Send and receive money in moments using Zelle®.
- Access to more than 16,000 Chase ATMs and more than 4,700 branches.
- JPMorgan Chase Bank, N.A. Member FDIC
- 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 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 you bring your account balance to overdrawn by $50 or less at the end of 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: No
- Minimum Deposit to Open: $0
- Minimum Deposit Required: None
Chase Private Client - $3,000 Bonus
- You're eligible for up to a $3,000 bonus when you open a new Chase Private Client Checking℠ account with qualifying activities.
- Speak with a Private Client Banker to open your Chase Private Client Checking account today. Schedule your meeting at your nearest branch or over the phone.
- Priority service for everyday banking. Receive personalized attention from a dedicated Chase Private Client Banker who is ready to help you.
- Earn $1,000 when you deposit $150,000 or earn $2,000 when you deposit $250,000 or earn $3,000 when you deposit $500,000
- No ATM fees worldwide.
- No Chase fee on incoming or outgoing wire transfers; can be completed online or over the phone.
- Experience a financial relationship that brings you more.
- Deposit products provided by JPMorgan Chase Bank, N.A. Member FDIC. Deposit products are FDIC insured up to the maximum amount allowed by law.
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
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
OneCard with Rewards Checking - $400 Bonus
- 3% cash back on everyday expenses (up to $500 in rewards per calendar year); 2% on everything else
- No annual fee, no late fees, no foreign transaction fee
- Choose to Pay Now with no interest, or Pay Later
- $400 bonus when you also open a new Upgrade Rewards Checking account and make 3 debit card transactions within 60 days
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
Personal Checking Account - $225 Bonus
Open an eligible Fifth Third Checking account. 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.
Savings Account Offers
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 CY223 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 60 days of the account qualifying for the bonus. Bonus is interest and subject to reporting on Form 1099-INT. Offer ends 6/15/2023, 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 CY223 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 60 days of the account qualifying for the bonus. Bonus is interest and subject to reporting on Form 1099-INT. Offer ends 6/15/2023, 11:59 PM ET. Offer may be modified or withdrawn without notice. See advertiser website for full details.
Nationwide Business Premium Savings - Up to 3.75% APY
- Up to $210 Bonus for Business Owners*
- Choose smarter business banking by June 30 and enjoy up to $210 bonus.* Just use promo code BPS210 on your application.
- Earn up to 3.75% APY*
- No monthly maintenance fee
- No average daily balance requirement fee
- Free image statements
- Free online banking
- Remote deposit from anywhere
- $25,000 minimum opening deposit
High Yield Savings Account - 5.05% APY
- No fees
- $1 minimum deposit
- 24/7 online access
- FDIC insured
- Minimum Deposit to Open: $1
CIT Bank Platinum Savings - 4.85% APY
- 4.85% APY with a balance of $5,000 or more
- 0.25% APY with a balance of less than $5,000
- $100 minimum opening deposit
- No monthly maintenance fee
- Member FDIC
- Direct Deposit Required: No
- Minimum Deposit to Open: $100
CIT Bank Savings Connect - 4.60% APY
- Earn 11x the national average
- $100 minimum opening deposit
- No monthly maintenance fee
- Member FDIC
- Direct Deposit Required: No
- Minimum Deposit to Open: $100
Here are some of the top savings accounts:
- Discover Online Savings: $200 Cash Bonus
- CIT Bank Platinum Savings: 4.85% APY
- Quontic: High Yield Savings - 4.25% APY
- Current Savings with Interest: Up to 4% APY
- Upgrade: Premier Savings - Up to 4.81% APY
Business Checking Account Bonuses
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.
- Multiple ways to waive the Monthly Service Fee, including maintaining a minimum daily balance or purchases on your Chase Ink® Business credit card.
- Full-service business banking. Convenient access to all your business banking services in one place -- lending, checking, credit card and payment solutions.
- Your choice of payment types. Choose from a full range of options for accepting payments and making deposits that include Zelle®, Online Bill Pay, wire transfers and ACH payments.
- Convenient access to payment processing. Process all major debit and credit cards with QuickAccept. It's a built-in feature with your Business Complete Checking account.
- Helping you save money. Multiple ways to waive service fees and unlimited digital transactions helps you keep more of your money.
- Full-featured banking online and on-the-go. Manage your business' finances on your terms with the latest online and mobile banking technology.
- Trusted and secure financial partner. We're committed to helping you grow and protect your business.
- Direct Deposit Required: No
- Minimum Deposit to Open: $0
Silver Business Checking Package - Up to $750 Bonus
Earn up to $750 bonus when you open a new, eligible U.S. Bank business checking account online with promo code Q2AFL23 and complete qualifying activities1, subject to certain terms and limitations. Offer valid through June 30, 2023. Member FDIC. Complete these steps to earn the offer:
Earn your $500.
- Make a deposit of at least $5,000 in new money within 30 days of account opening and maintain the balance until the 60th day after account opening.
- Enroll in U.S. Bank business online banking or the U.S. Bank Mobile App within 60 days of account opening.
Earn your $750.
- Make a deposit of at least $15,000 in new money within 30 days of account opening and maintain the balance until the 60th day after account opening.
- Enroll in U.S. Bank business online banking or the U.S. Bank Mobile App within 60 days of account opening.
- Minimum Deposit to Open: $100
Axos Bank: Basic Business Checking - $100 Bonus
- Business owners get up to $100 welcome bonus!*
- Choose smarter business banking by June 30 and enjoy up to $100.* Just use promo code SBIZ100 on your application.
- Zero opening deposit and cash deposits accepted
- Zero minimum monthly balance requirements
- Two domestic wire reimbursements monthly
- Unlimited domestic ATM fee reimbursements
- Enhanced Visa benefits and first 50 checks free
- Dedicated relationship manager and more
- Direct Deposit Required: No
- Minimum Deposit to Open: $0
Lili: Free Checking Account for Sole Proprietors and Single-Member LLC
- Sign up in 3 minutes; no credit check
- No account fees - $0 monthly fee, overdraft fee, foreign transaction fee, or ATM fees at 38,000+ locations
- Auto save for taxes
- Track write-offs with a swipe
- Prefilled annual Schedule C
- 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
Bluevine: Business Checking - Up to 2.0% APY
- 2.0% APY on your balance up to $250,000 for customers that meet monthly eligibility requirements
- $0 minimum opening deposit
- $0 monthly service fee
- Minimum Deposit to Open: $0
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 Visa® debit cards to your team
- Minimum Deposit to Open: $0
Found: Free Business Banking for the Self-Employed
- $0 monthly service fees or minimums
- Automatically find tax write-offs and track expenses
- Auto-save for taxes
- Free unlimited custom invoices
- Easy sign up; no credit check
- Minimum Deposit to Open: $0
High Interest Rates
- Citi® Accelerate High-Yield Savings: 4.05% APY
- Discover Online Savings: $200 Cash Bonus
- Western Alliance Bank: High Yield Savings Account - 5.05% APY
- CIT Bank Platinum Savings: 4.85% APY
- Quontic: High Yield Savings - 4.25% APY
- Current Savings with Interest: Up to 4% APY
- Upgrade: Premier Savings - Up to 4.81% APY
- Continental Bank: High Yield Savings Account - 4.41% APY
- Liberty Savings Bank: High Yield Savings Account - 4.60% APY
- The State Exchange Bank: High Yield Savings Account - 4.70% APY
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?
How do Bank Promotions Work?
Bank promotions are incentives for new customers to open a new checking or savings account. Typically, you'll have to make qualifying deposits and keep the account open for a certain amount of time to get the bonus.
Banks benefit by getting new customers. Because when you deposit money with them, they can earn profits by loaning out your cash. That's why banks will typically require some kind of deposit in order to earn a bonus.
You also benefit by getting free money for switching to a new bank. A win-win!
How Can I Qualify for a Bank Account Bonus?
Banks have criteria you must meet to earn an account bonus. To qualify, you usually need to deposit a certain amount of money (in either direct deposits or transfers) within a certain timeframe. You also must keep your account open for a few months or the bonus will be taken back.
Sometimes, the bank may also require that you complete some activities. This can range from making a certain number of debit card purchases, enrolling in mobile banking, or using online bill pay.
Depending on the bank promotion, they may have just one requirement or a combination of a few.
Also, to qualify, you need to be a new customer. Some banks are more strict and say that you cannot have ever received a bonus from them before. Some say that you just can't have closed an account or received a bonus in the past 1 or 2 years. This is to prevent people from opening and closing accounts just to get bonuses.
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.
Bonus Promotions FAQs
What banks give instant bonuses for opening accounts?
Banks won't give instant bonuses just for opening a new account. They want you to use their account by depositing money, setting up direct deposit, or making purchases. After you complete the qualifying activities, you'll receive your bonus.
How are bank bonuses paid?
After you've met the requirements for the bonus, banks will deposit the cash into your account. Usually, it'll take several business days. The bonus offer should give a timeframe for when they will deposit the bonus.
Does a bank bonus count as income?
Yes, welcome cash bonuses for opening a bank account are considered income. You will get a 1099-INT from the bank and you'll need to report it as interest income on your taxes. It'll be taxed at your ordinary income tax rate.
Does switching banks hurt your credit?
No, switching banks will not hurt your credit. Opening a new bank account is only a soft pull, which doesn't impact your credit score. But, don't forget to switch over automated payments. If payments fail because they're still going to your old bank account, that will harm your credit.
Can you have 2 bank accounts?
There's no limit to how many bank accounts you can have legally. Many people find it helpful to have more than one bank account to stay organized (like a primary account and one for paying bills).
If you're in the market for a 2nd account, it's a great chance to take advantage of bank bonuses.
Methodology: How We Picked the Best Bank Bonuses
First, we picked larger banks that are offering at least $100 bonus. Most of the promotions on our list offer $200 or even more. We chose banks that serve a wide area, so they're available to more people.
We also picked offers that are available to apply for online, since that's more convenient for most people. And you can take advantage of the offer even if you don't live super close to a branch.
The requirements to earn the sign-up bonus offers must be reasonable and relatively easy to meet. There are also some larger bonuses targeted towards premium checking customers with higher criteria.
Finally, we picked bank accounts that we truly feel offer good features and benefits. So that even after you receive your bonus, you'll still find value in being a customer. Hopefully, the sign-up bonus is just an added perk over the long-term benefits.
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
- Chase: Only bank in the US with branches in all 48 contiguous states; over 4,700 branches and 16,000 ATMs; many checking options including free accounts for students and kids.
- Bank of America: Approximately 4,200 locations and 17,000 ATMs; good customer service with extended hours.
- Wells Fargo: Over 4,500 locations and 12,000 ATMs; many checking options including a second chance account 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: Hybrid brick-and-mortar and online bank; 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 more than 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.
- JPMorgan Chase Bank, N.A. Member FDIC
- 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 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 you bring your account balance to overdrawn by $50 or less at the end of 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 7/19/2023)- New Chase checking customers enjoy a $100 checking account bonus when you open a Chase Secure Banking℠ account with qualifying transactions. Open online or at any Chase branch.
- Set up direct deposit and you may get your money up to two business days early-exclusively for Chase Secure Banking℠ customers.
- No minimum deposit to open an account and get started.
- No overdraft fees with a Chase debit card that helps you stay within your balance.
- Chase Secure Banking℠ customers told us they save an average of $50 a month on fees after opening their account.
- JPMorgan Chase Bank, N.A. Member FDIC.
- Pay bills, cash checks and send money with Zelle® all for a $4.95 monthly service fee.
- Bank from anywhere with access to more than 16,000 Chase ATMs, more than 4,700 Chase branches, the Chase Mobile® app and Chase Online℠.
- Earn up to $500 when you open a new Chase Business Complete Checking℠ account. For new Chase business checking customers with qualifying activities.
- Multiple ways to waive the Monthly Service Fee, including maintaining a minimum daily balance or purchases on your Chase Ink® Business credit card.
- Full-service business banking. Convenient access to all your business banking services in one place -- lending, checking, credit card and payment solutions.
- Your choice of payment types. Choose from a full range of options for accepting payments and making deposits that include Zelle®, Online Bill Pay, wire transfers and ACH payments.
- Convenient access to payment processing. Process all major debit and credit cards with QuickAccept. It's a built-in feature with your Business Complete Checking account.
- Helping you save money. Multiple ways to waive service fees and unlimited digital transactions helps you keep more of your money.
- Full-featured banking online and on-the-go. Manage your business' finances on your terms with the latest online and mobile banking technology.
- Trusted and secure financial partner. We're committed to helping you grow and protect your business.
Chase College Checking℠ - $100 Bonus
- Enjoy $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.
- 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.
- Students ages 18-24 with a Social Security Number can open an account online or at a Chase branch. Students with no Social Security number and 17-year-olds can only open an account at a branch.
- Manage your money, see your accounts, and pay your bills using the Chase Mobile® app.
- Send and receive money in moments using Zelle®.
- Access to more than 16,000 Chase ATMs and more than 4,700 branches.
- JPMorgan Chase Bank, N.A. Member FDIC
- 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 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 you bring your account balance to overdrawn by $50 or less at the end of 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 7/19/2023)Chase Private Client - $3,000 Bonus
- You're eligible for up to a $3,000 bonus when you open a new Chase Private Client Checking℠ account with qualifying activities.
- Speak with a Private Client Banker to open your Chase Private Client Checking account today. Schedule your meeting at your nearest branch or over the phone.
- Priority service for everyday banking. Receive personalized attention from a dedicated Chase Private Client Banker who is ready to help you.
- Earn $1,000 when you deposit $150,000 or earn $2,000 when you deposit $250,000 or earn $3,000 when you deposit $500,000
- No ATM fees worldwide.
- No Chase fee on incoming or outgoing wire transfers; can be completed online or over the phone.
- Experience a financial relationship that brings you more.
- Deposit products provided by JPMorgan Chase Bank, N.A. Member FDIC. Deposit products are FDIC insured up to the maximum amount allowed by law.
J.P. Morgan Self-Directed Investing
- Get up to $700 when you open and fund a J.P. Morgan Self-Directed Investing account with qualifying new money.
- $700 when you fund with $250,000 or more
- $325 when you fund with $100,000-$249,999
- $150 when you fund with $25,000-$99,999
- $50 when you fund with $5,000-$24,999
- 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.
INVESTMENT AND INSURANCE PRODUCTS ARE:
Referral Program - Up to $500 Bonus
Bank of America
Pros:
| Cons:
|
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
Bank of America Business Advantage Checking Account - $200 Bonus
- Open a new business checking account by June 30, 2023
- Make Qualifying Deposits of $5,000 or more in new money* within 30 days of opening the new business checking account
- Maintain an average balance of $5,000 for the next 60 days (day 31-90) during the maintenance period**
**The maintenance period begins thirty-one (31) days after account opening and ends ninety (90) calendar days after account opening.
Member FDIC (Expires 6/30/2023)
Bank of America Advantage Plus Banking®
Business Advantage Fundamentals™ Banking
- No fee for first 200 transactions per statement cycle
- No fee for first $7,500 in cash deposited per statement cycle
- 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
Term | APY |
---|---|
7 Month | 4.60% |
10 Month | 0.05% |
13 Month | 4.60% |
25 Month | 3.20% |
37 Month | 0.05% |
Term | APY |
---|---|
28 - 89 Days | 0.03% |
90 - 179 Days | 4.00% |
6 - 120 Months | 0.03% |
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 - $2,500 Bonus
Personal Checking Account - $325 Bonus
Personal Checking Account - $300 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
Pros:
| Cons:
|
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 |
Citigold® Checking Account - Earn up to $2,000 Cash Bonus
- Earn up to $2,000 cash bonus when you open a new eligible Citigold® Checking Account with required activities
- Within 20 days of opening, deposit $200,000 new-to-Citibank funds
- Maintain a minimum balance of $200,000 for 60 consecutive calendar days. The bonus will be deposited to your open, eligible account within 30 calendar days after you complete all required activities.
- No monthly service fee when you maintain a combined average monthly balance of $200,000+ in eligible linked deposit, retirement and investment accounts
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 |
Citi® Self-Invest - Up to $500 Bonus
New-to-Citi Funding | Cash Bonus |
---|---|
$10,000 - $49,999 | $100 |
$50,000 - $199,999 | $200 |
$200,000 or more | $500 |
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 - 4.50% 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
Business Checking Account - $200 Bonus
Business Checking Account - $500 Bonus
Virtual Wallet Checking - $50 Bonus
Virtual Wallet with Performance Select Checking - $400 Bonus
Virtual Wallet with Performance Spend Checking - $200 Bonus
PNC Bank 12 Month CD - Up to 0.03% APY
PNC Bank 120 Month CD - Up to 0.03% APY
CIT Bank
Pros:
| Cons:
|
Our Review: (4.4) 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...
- 4.85% APY with a balance of $5,000 or more
- 0.25% APY with a balance of less than $5,000
- $100 minimum opening deposit
- No monthly maintenance fee
- Member FDIC
- Earn 11x the national average
- $100 minimum opening deposit
- No monthly maintenance fee
- Member FDIC
CIT Bank Term CDs - Up to 5.00% APY
- Up to 5.00% APY
- $1,000 minimum opening deposit
- No monthly maintenance fee
- Member FDIC
Term | CD Rates |
---|---|
6 Month | 5.00% APY |
1 Year | 0.30% APY |
13 Month | 4.65% APY |
18 Month | 4.60% APY |
2 Year | 0.40% APY |
3 Year | 0.40% APY |
4 Year | 0.50% APY |
5 Year | 0.50% APY |
CIT Bank No Penalty CD - 4.90% APY
- 4.90% 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
- Member FDIC
- 1.55% APY
- $100 minimum opening deposit
- No monthly maintenance fee
- Member FDIC
CIT Savings Builder - 1.00% APY
- Up to 0.50% APY
- $100,000 minimum opening deposit
- No monthly maintenance fee
- Member FDIC
Term | CD Rates |
---|---|
2 Year | 0.40% APY |
3 Year | 0.40% APY |
4 Year | 0.50% APY |
5 Year | 0.50% APY |
- Earn 3x 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
- Member FDIC
Discover Bank
Pros:
| Cons:
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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 3.90% APY
- No fees
- No minimum opening deposit
- No minimum balance required
- 4.75% APY for 12-month term
- 4.30% APY for 36-month term
- 4.00% APY for 5-year term
- Earn 3.80% APY for balances under $100,000
- Earn 3.85% APY for balances $100,000 and over
- $2,500 minimum opening deposit
- No fees
- FDIC insured
Term | CD Rates |
---|---|
3 Months | 2.00% APY |
6 Months | 3.40% APY |
9 Months | 3.50% APY |
1 Year | 4.75% APY |
1.5 Years | 4.75% APY |
2 Years | 4.30% APY |
2.5 Years | 4.30% APY |
3 Years | 4.30% APY |
4 Years | 4.00% APY |
5 Years | 4.00% APY |
7 Years | 3.80% APY |
10 Years | 3.80% APY |
- 4.75% APY for 12-month term
- 4.30% APY for 36-month term
- 4.00% APY for 5-year term
Capital One
Pros:
| Cons:
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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...
- $0 opening minimum
- No monthly service fee
- No minimum balance requirement
- 0.10% APY
- 40,000+ Allpoint ATMs
360 Performance Savings - 3.90% APY
- 3.90% 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
Capital One 1 Year CD - 4.75% APY
Capital One 2 Year CD - 4.30% APY
Capital One 3 Year CD - 4.30% APY
CD Term | APY |
---|---|
6 Months | 3.90% |
9 Months | 3.90% |
12 Months | 4.75% |
18 Months | 4.75% |
24 Months | 4.30% |
30 Months | 4.30% |
36 Months | 4.30% |
48 Months | 4.20% |
60 Months | 4.10% |
Capital One 5 Year CD - 4.10% APY
- No monthly service fee
- No minimum balance
- Free debit card for kids
- Parental controls
Regions Bank
Pros:
| Cons:
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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
Business Referral Program - $150 Bonus
Regions Now Savings Account – Up to $100 Annual Savings Bonus
Bluevine
Pros:
| Cons:
|
Our Review: (4.4) 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 2.0% APY
- 2.0% APY on your balance up to $250,000 for customers that meet monthly eligibility requirements
- $0 minimum opening deposit
- $0 monthly service fee
Open a Free Business Checking Account
- 2.0% APY on your balance up to $250,000 for customers that meet monthly eligibility requirements
- $0 minimum opening deposit
- $0 monthly service fee
Business Checking - Up to 2.0% APY
- 2.0% APY on balances up to $250,000 for eligible customers
- Unlimited transactions
- 5 free subaccounts with unique account numbers
- 2 free checkbooks per year
- $0 monthly service fee
M&T Bank
Pros:
| Cons:
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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
M&T Tailored Business Checking Account - $500 Bonus
Personal Checking Account - $350 Bonus
Personal Checking and Money Market Account - Up to $450 Bonus
TD Bank
Pros:
| Cons:
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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 Signature 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
TD Choice 12 Month CD - 1.00% APY
TD Choice 24 Month CD - 0.05% APY
TD Choice 3 Month CD - 0.05% APY
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
Citizens Bank 14-Month CD - 2.75% APY
Clearly Better Business Checking
- $0 monthly fee
- No minimum balance requirement
- Up to 200 check transactions per statement period at no charge
Lili
Pros:
| Cons:
|
Our Review: (4.4) Lili offers a free business checking account with tax planning and expense tracking tools. Review the features to find out if Lili is worth it...
Free Checking Account for Sole Proprietors and Single-Member LLC
- Sign up in 3 minutes; no credit check
- No account fees - $0 monthly fee, overdraft fee, foreign transaction fee, or ATM fees at 38,000+ locations
- Auto save for taxes
- Track write-offs with a swipe
- Prefilled annual Schedule C
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
Free Checking Account for Sole Proprietors and Single-Member LLC
- $0 monthly service fees
- Categorize and track business expenses
- Save for taxes automatically
- Get direct deposits up to 2 days earlier
- No foreign transaction fees
Free Checking Account for Sole Proprietors and Single-Member LLC
- $0 monthly fee
- $0 minimum balance
- No ATM fee at 38,000+ locations
- Auto save for taxes
- Track write-offs with a swipe
- Prefilled annual Schedule C
- No overdraft fees
- No foreign transaction fees
- $9.00 monthly service fee
- Emergency savings account with 2.0% APY
- Create and send unlimited invoices
- Up to $200 fee-free overdraft
- Cashback with selected merchants
Ally Bank
Pros:
| Cons:
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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 - 3.85% APY
- 0.10% APY for daily balances less than $15,000
- 0.25% APY for daily balance over $15,000
- $10/month rebate for ATMs outside of Ally Network
- $0 minimum opening deposit
- No fees to open or maintain account
- FDIC insured
- Daily compounding interest
- 4.15% APY
- Unlimited deposits and ATM withdrawals, and up to 6 additional transactions
- $10/month rebate for ATMs outside of Ally Network
- $0 minimum opening deposit
- $0 monthly fee
- FDIC insured
- Daily compounding interest
- Up to 4.80% APY
- $0 Minimum Opening Deposit
- Up to 5 years
- No monthly maintenance fee
- FDIC insured
- Daily Compounding Interest
- Withdraw full balance and interest after 6 days of CD funding date without penalty
- 4.25% APY
- 11-month term
- No monthly maintenance fee
- FDIC insured
- Daily compounding interest
- 3.75% 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
- $0 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...
Personal Checking Account - $200 Bonus
Personal Checking Account - $300 Bonus
Personal Checking Account - $400 Bonus
Business Checking Account - Up to $300 Bonus
- $0 monthly fee
- No minimum balance requirement
- No fee for first 50 transactions
Referral Program - Up to $500 Bonus
goHenry
Pros:
| Cons:
|
Our Review: (3.8) GoHenry offers kids a debit card and fun money lessons. But is it worth the monthly fee? Find out the pros, cons, and whether it's safe for your child...
- Real-time spend notifications.
- Block and unblock cards easily.
- Teach financial independence safely.
GoHenry Debit Card and Education App for Kids
- Spend, save, and learn all in one app
- Chores and allowance tools
- In-app money lessons for the real world
- Evolves with kids as they grow
- $4.99/mo per child
GoHenry Debit Card for Kids 6-18
- Over 2 million members
- Customize chores and allowance
- Full parental controls - monitor transactions, set spending limits, block unsafe merchants
- Teach kids financial responsibility safely
- 30 days free; then $4.99/mo per child
GoHenry Debit Card for Kids and Teens
- For kids ages 6-18
- Customize chores and allowance
- Set spending controls and limits
- $4.99/mo per child
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 Visa® 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 - 4.15% APY
- 2.25% 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 5.00% APY
- Up to 5 years
- $0 minimum opening deposit
- Daily Compounding Interest
- FDIC Insured
CD Term | APY |
---|---|
3 Months | 2.25% |
6 Months | 5.00% |
9 Months | 4.80% |
12 Months | 4.75% |
13 Months | 4.80% |
14 Months | 4.50% |
15 Months | 4.80% |
16 Months | 4.50% |
18 Months | 4.50% |
19 Months | 4.50% |
24 Months | 4.30% |
36 Months | 4.30% |
48 Months | 4.00% |
60 Months | 4.00% |
- Up to 5.00% 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
- 2.25% 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...
- 0.25% 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
- Up to 4.25% APY
- $0 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
- 4.10% 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
- Up to 5.00% APY
- Terms from 3 months to 5 years
- $1,000 minimum opening deposit
- No monthly service fee
- Automatic renewal on maturity
- FDIC insured
- $0 monthly fees
- $1,500 minimum to open
- ATM fee reimbursements
TIAA Bank 1 Year Basic CD - 4.75% APY
TIAA Bank 2 Year Basic CD - 4.40% APY
TIAA Bank 3 Year Basic CD - 4.10% APY
TIAA Bank 5 Year Basic CD - 3.95% APY
Term | APY |
---|---|
3 Month | 4.00% |
6 Month | 4.00% |
9 Month | 5.00% |
1 Year | 4.75% |
1.5 Year | 4.60% |
2 Year | 4.40% |
2.5 Year | 4.10% |
3 Year | 4.10% |
4 Year | 4.05% |
5 Year | 3.95% |
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). $9.98/month for Greenlight Max. $14.98 per month for Greenlight Infinity.
Greenlight Banking and Educational App for Kids
- Spend, save, invest, and learn all in one app
- Cashback & up to 5% savings rewards
- Investing platform just for kids
- Financial literacy games for the real world
- Starts from $4.99/mo (1-month free trial)
Greenlight Banking and Investing for Kids
- Chores and allowance tools
- Up to 5% APY on Savings
- Up to 1% cashback on purchases
- Invest in stocks and ETFs with no trading fees
- $4.99 to $14.98 per month per family, for up to 5 kids
Greenlight Banking for Kids and Teens
- Spend, save, and invest all in one app
- Customize chores and allowance
- Earn cashback & savings rewards
- Starts at $4.99/mo per family, for up to 5 kids
Greenlight Debit Card for Kids
- Debit cards for up to 5 kids per family
- No hidden fees - no ATM fees, overdraft fees, foreign transaction fees, or trading fees
- Earn cashback and up to 5% savings rewards
- Customize chores and allowance
- Set spending limits and block unsafe merchants
- Starts from $4.99/mo
Novo
Pros:
| Cons:
|
Our Review: (3.3) Novo 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
- $0 monthly service fee
- Unlimited ATM fee rebates
- Free ACHs, incoming wires, and mailed checks
- Up to 10 Reserves to manage multiple budgets
- Thousands of app integrations
Novo Boost (available for payments processed via Stripe)
- Get paid faster and speed up cash flow
- Access funds in hours instead of days
- Connect with 50+ tools to help grow your business
KeyBank
Pros:
| Cons:
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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...
Personal Checking Account - $200 Bonus
Axos Bank
Pros:
| Cons:
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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 3.30% APY
- Use the promo code RC100 when you apply for a Rewards Checking account by 06/30/23. Then have qualifying direct deposit(s) to earn up a $100 welcome bonus!
- Up to 3.30% 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
Basic Business Checking - $100 Bonus
- Business owners get up to $100 welcome bonus!*
- Choose smarter business banking by June 30 and enjoy up to $100.* Just use promo code SBIZ100 on your application.
- Zero opening deposit and cash deposits accepted
- Zero minimum monthly balance requirements
- Two domestic wire reimbursements monthly
- Unlimited domestic ATM fee reimbursements
- Enhanced Visa benefits and first 50 checks free
- Dedicated relationship manager and more
- 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
Business Interest Checking - 1.01% APY
- Business owners get up to $100 welcome bonus!*
- Choose smarter business banking by June 30 and enjoy up to $100.* Just use promo code SBIZ100 on your application.
- 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 50 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)
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
- 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
- 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
High Yield Money Market - 0.25% APY
- 0.25% APY on all balance tiers
- No minimum balance requirements
- No fees to open or maintain account
- Free Visa debit card
- Free online bill pay, free limited checks, and free limited online check images
- FDIC Insured
Charles Schwab Bank
Pros:
| Cons:
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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
- 3.66% APY with a daily balance of $1,000,000 or less
- 5.20% 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 5.06% 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
Popular Direct Savings Account
- 4.85% APY
- $100 Minimum Opening Deposit
- FDIC Insured
- Up to 5.10% APY
- Up to 5 years
- $10,000 Minimum Balance
- FDIC Insured
Salem Five Direct
- 4.61% APY
- $10 Minimum Opening Deposit
- No Minimum Balance Requirement
- No Fees to Open or Maintain Account
- FDIC Insured
- Up to 4.50% 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
First Citizens Bank
Pros:
| Cons:
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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
Quontic
Pros:
| Cons:
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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...
High Yield Savings - 4.25% APY
- 4.25% APY
- $100 minimum opening deposit
- No monthly service fees
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.
- $500 minimum opening deposit
- FDIC insured
Term | CD Rates |
---|---|
6 Months | 5.05% APY |
1 Year | 5.15% APY |
2 Years | 4.50% APY |
3 Years | 4.40% APY |
5 Years | 4.30% APY |
Money Market Account - Up to 4.75% APY
- Earn 4.75% 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 1.00% Cash Back on All Eligible Debit Card Purchases
- $100 minimum opening deposit
Albert
- $0 monthly fee
- $0 minimum opening deposit
- Get paid up to 2 days early
- Up to $250 cash advance with no interest or late fees
- Up to $250 cash advance from your next paycheck
- No interest
- No late fees
- No credit check
Albert Genius - Bank, Save, and Invest
- $0 minimum opening deposit
- Access to human financial experts for all your money questions
- Automatically save with Smart Savings
- Invest starting from $1
- 30-day free trial
Alliant Credit Union
Pros:
| Cons:
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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...
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
- Up to 5.15% APY
- $1,000 minimum opening deposit
- Federally insured up to $250,000 by the NCUA
- 3.10% APY when you maintain average daily balance of $100 or more
- No monthly fee when you opt in to eStatements
- $5 initial deposit
American First Credit Union
Money Market Deposit Account - 5.03% APY
- $1 minimum deposit
- No fees
- 24/7 online access to funds
- Federally insured by NCUA
12-Month High-Yield CD - 4.50% APY
- $1 minimum deposit
- No fees
- 24/7 online access to funds
- Federally insured by NCUA
18-Month High-Yield CD - 3.66% APY
- $1 minimum deposit
- No fees
- 24/7 online access to funds
- Federally insured by NCUA
24-Month High-Yield CD - 4.65% APY
- $1 minimum deposit
- No fees
- 24/7 online access to funds
- Federally insured by NCUA
Totally Free Business Checking
- $0 monthly fee
- No minimum balance requirement
- 1,000 free monthly transaction items
Aspiration
Pros:
| Cons:
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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
Atlantic Federal Credit Union
Money Market Deposit Account - 5.01% APY
- $1 minimum deposit
- No fees
- 24/7 online access to funds
- NCUA insured
Blue Federal Credit Union
Money Market Deposit Account - 4.90% APY
- No fees
- $1 minimum deposit
- 24/7 online access to funds
- Federally insured by NCUA
15-Month High-Yield CD - 5.15% APY
- No fees
- $1 minimum deposit
- 24/7 online access to funds
- Federally insured by NCUA
9-Month No Penalty CD - 5.00% APY
- No fees
- $1 minimum deposit
- 24/7 online access to funds
- Federally insured by NCUA
Chime
Pros:
| Cons:
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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
Consumers Credit Union
- Earn up to 5.00% APY*
- Unlimited reimbursement for any and all ATM fees**
- Over 30,000 ATMs & over 5,000 shared branches
- No monthly maintenance fees
- No minimum balance
Current
Pros:
| Cons:
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Our Review: (4.4) 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...
Current Savings with Interest - Up to 4% APY
- 4.00% APY on up to $6,000 balance if you receive and maintain a qualifying direct deposit of $200 or more in a rolling 35 day period. (Otherwise, 0.25% APY.)
- Simply add money to your Savings Pods and enable the Interest feature.
- Earn interest on up to 3 Savings Pods, up to $2,000 balance each.
- Interest accumulates daily.
- 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
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...
Personal Checking Account - $300 Bonus
Referral Program - Up to $500 Bonus
Empower Finance
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
Found
Pros:
| Cons:
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Our Review: (4.3) Found Business Banking offers helpful tax and invoicing tools for self-employed people. But it lacks other basic features. Here's what you need to know...
Free Business Banking for the Self-Employed
- $0 monthly service fees or minimums
- Automatically find tax write-offs and track expenses
- Auto-save for taxes
- Free unlimited custom invoices
- Easy sign up; no credit check
- $14.99/month, or $95.88/year
- Automatically find tax write-offs and track expenses
- Pay taxes directly from the app
- Photo receipt capture
- Free unlimited custom invoices
- Custom bookkeeping categories
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...
Great Lakes Credit Union
Money Market Deposit Account - 5.00% APY
- No fees
- $1 minimum deposit
- 24/7 online access to funds
- Federally insured by NCUA
Idabel National Bank
Money Market Deposit Account - 4.45% APY
- No fees
- $1 minimum deposit
- 24/7 online access to funds
- Federally insured by NCUA
12-Month High-Yield CD - 5.05% APY
- No fees
- $1 minimum deposit
- 24/7 online access to funds
- Federally insured by NCUA
15-Month High-Yield CD - 5.10% APY
- No fees
- $1 minimum deposit
- 24/7 online access to funds
- Federally insured by NCUA
24-Month High-Yield CD - 5.05% APY
- No fees
- $1 minimum deposit
- 24/7 online access to funds
- Federally insured by NCUA
9-Month High-Yield CD - 5.00% APY
- No fees
- $1 minimum deposit
- 24/7 online access to funds
- Federally insured by NCUA
Lemmata Savings Bank
Money Market Deposit Account - 5.03% APY
- No fees
- $1 minimum deposit
- 24/7 online access to funds
- Federally insured by NCUA
LendingClub Bank
Pros:
| Cons:
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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
- 4.25% 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 4.15% APY
12-month High-Yield CD - Earn 4.75% APY
13-month No-Penalty CD - Earn 4.25% APY
2-Year High-Yield CD - Earn 4.35% APY
3-Year High-Yield CD - Earn 4.30% APY
5-Year High-Yield CD - Earn 3.80% APY
CD Term | APY |
---|---|
6 Months | 4.25% |
9 Months | 4.30% |
12 Months | 4.75% |
18 Months | 4.75% |
2 Years | 4.35% |
3 Years | 4.30% |
4 Years | 4.00% |
5 Years | 3.80% |
6 Years | 3.70% |
mph.bank
Money Market Deposit Account - 4.70% APY
- No fees
- $1 minimum deposit
- 24/7 online access to funds
- FDIC insured
10-Month High-Yield CD - 2.90% APY
- No fees
- $1 minimum deposit
- 24/7 online access to funds
- FDIC insured
15-Month High-Yield CD - 3.10% APY
- No fees
- $1 minimum deposit
- 24/7 online access to funds
- FDIC insured
18-Month High-Yield CD - 3.20% APY
- No fees
- $1 minimum deposit
- 24/7 online access to funds
- FDIC insured
Nationwide
Nationwide Business Premium Savings - Up to 3.75% APY
- Up to $210 Bonus for Business Owners*
- Choose smarter business banking by June 30 and enjoy up to $210 bonus.* Just use promo code BPS210 on your application.
- Earn up to 3.75% APY*
- No monthly maintenance fee
- No average daily balance requirement fee
- Free image statements
- Free online banking
- Remote deposit from anywhere
- $25,000 minimum opening deposit
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
Pros:
| Cons:
|
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
- Unlimited envelopes for all your business budgets
- Integrations with popular accounting and payment processing apps
- Free invoice maker
Get 1 month of free business banking
- Unlimited envelopes for all your business budgets
- Integrations with popular accounting and payment processing apps
- Free invoice maker
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
Patriot Bank
Money Market Account - 5.02% APY
- 5.02% APY
- FDIC insured
- No fees
13-Month High-Yield CD - 5.15% APY
- No fees
- FDIC insured
Ponce Bank
Money Market Deposit Account - 5.05% APY
- No fees
- FDIC insured
1-Month High-Yield CD - 5.10% APY
- No fees
- FDIC insured
11-Month High-Yield CD - 1.21% APY
- No fees
- FDIC insured
13-Month High-Yield CD - 1.31% APY
- No fees
- FDIC insured
4-Month No Penalty CD - 5.06% APY
- No fees
- FDIC insured
6-Month High-Yield CD - 4.00% APY
- No fees
- FDIC insured
- Money Market Deposit Account, High-yield CDs, and No Penalty CD
- No fees
- FDIC insured
Sallie Mae Bank
10-Month No Penalty CD - 4.70% APY
- No fees
- $1 minimum deposit
- FDIC insured
14-Month No Penalty CD - 4.75% APY
- No fees
- $1 minimum deposit
- FDIC insured
SkyOne Federal Credit Union
Money Market Deposit Account - 3.75% APY
- $1 minimum deposit
- Federally insured by NCUA
12-Month High-Yield CD - 4.20% APY
- $1 minimum deposit
- 24/7 online access
- Federally insured by NCUA
15-Month High-Yield CD - 4.50% APY
- $1 minimum deposit
- 24/7 online access
- Federally insured by NCUA
18-Month High-Yield CD - 3.00% APY
- $1 minimum deposit
- 24/7 online access
- Federally insured by NCUA
Referral Program - Up to $500 Bonus
The State Exchange Bank
High Yield Savings Account - 4.70% APY
- No fees
- FDIC insured
13-Month High-Yield CD - 3.75% APY
- No fees
- FDIC insured
4-Month High-Yield CD - 3.00% APY
- No fees
- FDIC insured
7-Month High-Yield CD - 3.00% APY
- No fees
- FDIC insured
9-Month High-Yield CD - 3.50% APY
- No fees
- FDIC insured
Till
Pros:
| Cons:
|
Our Review: (3.9) 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 Premier Money Market - Earn 4.81% APY
- Earn 4.81% APY*
- No monthly maintenance fees with a $5,000.00 balance, otherwise fee is $10.00 per month.
- Access your funds 24/7 with easy-to-use digital banking tools
- Enjoy peace of mind with FDIC insurance up to the maximum allowable limit – Certificate #35546.
UFB Premier Savings - Earn 4.81% APY
- Earn 4.81% APY*
- No monthly maintenance fees
- No minimum deposit required to open an account
- Access your funds 24/7 with easy-to-use digital banking tools
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
Upgrade
Rewards Checking Plus - Up to 2% Cash Back
- Maximize your rewards with direct deposit
- Up to 2% cash back on purchases
- Add Performance Savings to earn up to 4.81% APY
- Get paid up to 2 days early
- No monthly fees
Premier Savings - Up to 4.81% APY
- 4.81% APY when you have at least $1,000 balance
- No minimum opening deposit
- No monthly service fees
Bitcoin Rewards Card - $200 in BTC Bonus
- Unlimited 1.5% back in Bitcoin when you make payments
- No annual fee
- $200 bonus when you also open a new Upgrade Rewards Checking account and make 3 debit card transactions within 60 days
Triple Cash Rewards Card - $200 Bonus
- Unlimited 3% cash back on Home, Auto and Health categories; 1% on everything else
- No annual fee, no late fees, no foreign transaction fee
- $200 bonus when you also open a new Upgrade Rewards Checking account and make 3 debit card transactions within 60 days
Life Rewards Card - $200 Bonus
- Unlimited 3% cash back on gas, grocery, health, streaming, and utilities; 1% on everything else
- No annual fee
- $200 bonus when you also open a new Upgrade Rewards Checking account and make 3 debit card transactions within 60 days
OneCard with Rewards Checking - $400 Bonus
- 3% cash back on everyday expenses (up to $500 in rewards per calendar year); 2% on everything else
- No annual fee, no late fees, no foreign transaction fee
- Choose to Pay Now with no interest, or Pay Later
- $400 bonus when you also open a new Upgrade Rewards Checking account and make 3 debit card transactions within 60 days
Upgrade Card - 1.5% Cash Back Rewards on Payments
- Unlimited 1.5% cash back when you make payments
- No annual fee, no late fees, no foreign transaction fee
- $200 bonus when you also open a new Upgrade Rewards Checking account and make 3 debit card transactions within 60 days
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
Western Alliance Bank
High Yield Savings Account - 5.05% APY
- No fees
- $1 minimum deposit
- 24/7 online access
- FDIC insured
12-Month High-Yield CD - 5.01% APY
- No fees
- $1 minimum deposit
- 24/7 online access
- FDIC insured
3-Month High-Yield CD - 5.00% APY
- No fees
- $1 minimum deposit
- 24/7 online access
- FDIC insured
6-Month High-Yield CD - 5.00% APY
- No fees
- $1 minimum deposit
- 24/7 online access
- FDIC insured
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
Pros:
| Cons:
|
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? Read on for the review...
U.S. Bank Smartly® Checking and Standard Savings - Up to $400 Bonus
Complete these steps within 90 days of opening your new Bank Smartly checking account online to earn $300:
- Enroll in online banking or the U.S. Bank Mobile App
- Complete two or more direct deposits of $5,000 or more
- Complete 10 or more debit card purchases totaling at least $100
Earn $100 when you open a new Standard Savings account, by June 20, 2023, complete deposit(s) of $15,000 or more by July 13, 2023 and maintain a total account balance of $15,000 until October 13, 2023.
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 (Expires 6/20/2023)
Silver Business Checking Package - Up to $750 Bonus
Earn up to $750 bonus when you open a new, eligible U.S. Bank business checking account online with promo code Q2AFL23 and complete qualifying activities1, subject to certain terms and limitations. Offer valid through June 30, 2023. Member FDIC. Complete these steps to earn the offer:
Earn your $500.
- Make a deposit of at least $5,000 in new money within 30 days of account opening and maintain the balance until the 60th day after account opening.
- Enroll in U.S. Bank business online banking or the U.S. Bank Mobile App within 60 days of account opening.
Earn your $750.
- Make a deposit of at least $15,000 in new money within 30 days of account opening and maintain the balance until the 60th day after account opening.
- Enroll in U.S. Bank business online banking or the U.S. Bank Mobile App within 60 days of account opening.
Gold Business Checking Package - Up to $750 Bonus
Earn up to $750 bonus when you open a new, eligible U.S. Bank business checking account online with promo code Q2AFL23 and complete qualifying activities1, subject to certain terms and limitations. Offer valid through June 30, 2023. Member FDIC. Complete these steps to earn the offer:
Earn your $500.
- Make a deposit of at least $5,000 in new money within 30 days of account opening and maintain the balance until the 60th day after account opening.
- Enroll in U.S. Bank business online banking or the U.S. Bank Mobile App within 60 days of account opening.
Earn your $750.
- Make a deposit of at least $15,000 in new money within 30 days of account opening and maintain the balance until the 60th day after account opening.
- Enroll in U.S. Bank business online banking or the U.S. Bank Mobile App within 60 days of account opening.
Platinum Business Checking Package - Up to $750 Bonus
Earn up to $750 bonus when you open a new, eligible U.S. Bank business checking account online with promo code Q2AFL23 and complete qualifying activities1, subject to certain terms and limitations. Offer valid through June 30, 2023. Member FDIC. Complete these steps to earn the offer:
Earn your $500.
- Make a deposit of at least $5,000 in new money within 30 days of account opening and maintain the balance until the 60th day after account opening.
- Enroll in U.S. Bank business online banking or the U.S. Bank Mobile App within 60 days of account opening.
Earn your $750.
- Make a deposit of at least $15,000 in new money within 30 days of account opening and maintain the balance until the 60th day after account opening.
- Enroll in U.S. Bank business online banking or the U.S. Bank Mobile App within 60 days of account opening.
Platinum Business Money Market Account - 4.25% for 6 months from account opening
Receive an introductory bonus interest rate of 4.25% for 6 months from the account opening date when you open a new Platinum Business Money Market Acccount and complete qualifying activities1, subject to certain terms and limitations. Offer valid through July 31, 2023. Member FDIC. Complete these steps to earn the offer:
- Open a new Platinum Business Money Market Account
- Deposit $25,000 - $2,999,999.99 in new money deposits
U.S. Bank Payment Solutions Account - Earn $500
- Open a new U.S. Bank Payment Solutions Merchant Account by June 30, 2023.
- Activate your account by August 31, 2023 (by accepting and settling at least $50 in payment transactions in a single day).
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
Pros:
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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...
Personal Checking Account - $225 Bonus
BMO Harris Bank
Pros:
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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
- Fee-free transactions at more than 40,000 Allpoint® network 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
- Fee-free transactions at more than 40,000 Allpoint® network ATMs nationwide
- $5 monthly maintenance fee ($0 if you're under 25 years old)
BMO Online Savings Account - 4.50% APY
- No monthly maintenance fee
- No minimum opening deposit
- Not available if you reside in Arizona, Florida, Illinois, Indiana, Kansas, Minnesota, Missouri or Wisconsin
Savings Account - Up to $60 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...
Personal Checking Account - $400 Bonus
Personal Checking Account - $600 Bonus
Business Checking Account - $1,000 Bonus
Business Checking Account - $100 Bonus
Business Checking Account - $400 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 | 3.97% |
With Huntington Perks Checking Account | 4.02% |
With Huntington Platinum Perks Checking Account | 4.07% |
With Private Client Account | 4.18% |