Bank Promotions: Hot Deals
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Many banks offer sign-up bonuses when you open a new account. Find out which banks are offering the heftiest cash bonuses here.
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Right now, new customers can get up to $300 bucks for opening a new savings or checking account.
To snag the bonus, you may need to keep the account open for a number of weeks or set up direct deposit. Some bank promotions are easier to qualify for than others (more on that below).
Read this review to compare the best deals for checking/savings and money market accounts, certificates of deposits and even business checking accounts.
Compare Checking Accounts
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Online-only banks don't have the expensive overhead that brick-and-mortar banks do. That's why they're able to pass along their savings to customers with higher interest rates and less fees. Plus, they're safe and FDIC-insured just like "big banks."
But the major downside is that they have no physical locations, so you need to do all of your banking on the web or mobile apps.
If you prefer in-person transactions, stick with physical branches. Otherwise, online banks are your best bet for maximizing earnings.
U.S. Bank Smartly® Checking and Standard Savings - Up to $700 Bonus
Earn up to $700 when you open a new U.S. Bank Smartly® Checking account and a Standard Savings account and complete qualifying activities. Subject to certain terms and limitations. Offer valid through June 27, 2024. Member FDIC.
Earn up to $500 with a new Bank Smartly Checking account. Complete the following within 90 days of account opening:
- Enroll in online banking or the U.S. Bank Mobile App
- Make two or more direct deposit(s) totaling $3,000 to $4,999.99 to earn $100, $5,000 to $9,999.99 to earn $300 or $10,000 or more to earn $500
Earn up to $200 with a new Standard Savings account.
- Make new money deposit(s) totaling $15,000 or more by July 17, 2024
- Maintain that balance until October 31, 2024
Offer may not be available if you live outside of the U.S. Bank footprint or are not an existing client of U.S. Bank or State Farm.
- Minimum Deposit to Open: $25
BMO Smart Advantage Checking - $250 Cash Bonus
Open a new BMO Smart Advantage Checking account and get a $250 cash bonus when you have a cumulative total of $4,000 in qualifying direct deposits within 90 days of account opening. Offer is limited to one per customer and is not available for existing BMO personal checking customers (including signers on joint accounts) or those who have closed a BMO personal checking account within the past 12 months. Conditions apply.
- Minimum Deposit to Open: $25
- Direct Deposit Required: Yes
Bank of America Advantage Banking - $200 Bonus Offer
- The $200 bonus offer is an online only offer and must be opened through the Bank of America promotional page.
- The offer is for new checking customers only.
- Offer expires 5/31/2024.
- To qualify, open a Bank of America Advantage Banking account through the promotional page and set up and receive qualifying direct deposits totaling $2,000 or more into that new account within 90 days of opening.
- Bank of America will attempt to pay bonus within 60 days.
- Additional terms and conditions apply. See offer page for more details.
- Bank of America, N.A. Member FDIC.
Chase Total Checking® - $300 Bonus
- New Chase checking customers enjoy a $300 bonus when you open a Chase Total Checking® account with qualifying activities
- Access to more than 15,000 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 fees if you're overdrawn by $50 or less at the end of the business day or if you're overdrawn by more than $50 and bring your account balance to overdrawn by $50 or less at the end of the next business day*
- Minimum Deposit to Open: $0
- Direct Deposit Required: Yes
- Minimum Deposit Required: None
BMO Smart Money Checking - $250 Cash Bonus
Open a new BMO Smart Money Checking account and get a $250 cash bonus when you have a cumulative total of $4,000 in qualifying direct deposits within 90 days of account opening. Offer is limited to one per customer and is not available for existing BMO personal checking customers (including signers on joint accounts) or those who have closed a BMO personal checking account within the past 12 months. Conditions apply.
- Direct Deposit Required: Yes
BMO Relationship Checking - $400 Cash Bonus
Open a new BMO Relationship Checking account and get a $400 cash bonus when you have a cumulative total of $7,500 in qualifying direct deposits within 90 days of account opening. Offer is limited to one per customer and is not available for existing BMO personal checking customers (including signers on joint accounts) or those who have closed a BMO personal checking account within the past 12 months. Conditions apply.
- Direct Deposit Required: Yes
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 plus no overdraft fees with a Chase debit card that helps you stay within your balance.
- No need to worry about overdraft fees - Chase Secure Banking℠ allows you to spend only the money you have available.
- Chase Secure Banking℠ customers told us they save an average of more than $40 per month on fees after opening their account.
- Track your credit score, get a personalized action plan provided by Experian™ to help improve your score and receive identity monitoring for free through Chase Credit Journey®.
- Pay bills, cash checks and send or receive money with Zelle® with a Chase Secure Banking℠ account.
- Bank from anywhere with access to more than 15,000 Chase ATMs, more than 4,700 Chase branches, the Chase Mobile® app and Chase.com.
- JPMorgan Chase Bank, N.A. Member FDIC.
- Minimum Deposit to Open: $0
- Direct Deposit Required: No
- Minimum Deposit Required: None
Discover® Cashback Checking – Up to $30/Month Cashback
Earn 1% cash back on up to $3,000 in debit card purchases each month, for a total of up to $30 cashback per month. Discover Cashback Debit checking account has no minimum balance requirement, no fees, and free online bill pay. See website for details.
Rewards Checking - Up to 3.30% APY
- Use promo code AXOS300 and apply by June 30th, to earn up to a $300 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 while in school up to the graduation date provided at account opening (five years maximum) for students 17-24 years old.
- 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 or who are 17-year-olds can only open an account at a branch.
- Keep track of your money in the Chase Mobile® app. The app helps you manage your money.
- Zelle® is available in more than 1,000 banking apps in the U.S. So you can send and receive money from almost anyone you know and trust who has a bank account in the U.S.
- Access to more than 15,000 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*
- Minimum Deposit to Open: $0
- Direct Deposit Required: No
- 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.
- Enjoy higher limits on Chase Private Client debit card purchases and ATM withdrawals, as well as higher Zelle® and Chase QuickDeposit℠ limits.
- Deposit products provided by JPMorgan Chase Bank, N.A. Member FDIC. Deposit products are FDIC insured up to the maximum amount allowed by law.
Personal Checking Account - $200 Bonus
Open an eligible Fifth Third checking account. Make 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.
Key Select Checking® - $200 Bonus
Earn $200 after qualified activities until 7.19.24 with interest-bearing Key Select Checking®.
- Open a Key Select Checking® account online by July 19, 2024.
- Make the minimum opening deposit of $50, plus one direct deposit of at least $500 within the first 60 days of account opening.
- Your $200 cash bonus will be deposited into your account within 90 days of meeting requirements. Account must not be closed or restricted during the time of promotional period.
Key Select Checking® is a premium checking account that earns interest and a $100 cash bonus year after year with qualifying activities and has a waivable monthly maintenance fee.
- Minimum Deposit to Open: $50
- Direct Deposit Required: Make the minimum opening deposit of $50, plus one direct deposit of at least $500 within the first 60 days of account opening.
Key Smart Checking® - $200 Bonus
Earn $200 after qualified activities until 7.19.24 with the no-monthly-maintenance-fee Key Smart Checking®.
- Open a Key Smart Checking® account online by July 19, 2024.
- Make the minimum opening deposit of $10, plus one direct deposit of at least $500 within the first 60 days of account opening.
- Your $200 cash bonus will be deposited into your account within 90 days of meeting requirements. Account must not be closed or restricted during the time of promotional period.
- Minimum Deposit to Open: $10
- Direct Deposit Required: Make the minimum opening deposit of $10, plus one direct deposit of at least $500 within the first 60 days of account opening.
OneCard with Rewards Checking - $200 Bonus
- 3% cash back on everyday expenses (up to $500 in rewards per calendar year); 2% on everything else
- No annual fee
- Choose to Pay Now with no interest, or Pay Later
- $200 bonus when you also open and fund a new Upgrade Rewards Checking Plus account and make 3 qualifying purchases on your Upgrade OneCard and/or Rewards Checking Plus debit card within 60 days
Fifth Third Momentum® Checking - $200 Bonus
Open an eligible Fifth Third checking account. Make 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 to Open: $0
- Direct Deposit Required: Yes
- Minimum Deposit Required: $500 or more within 90 days of account opening to qualify for bonus
If you want the convenience of local branches, go with a big national bank such as Chase or Citi. Otherwise, consider an online bank such as Axos Bank to get a high interest rate.
Compare Savings Accounts
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What's the average savings interest rate? Not much if your money's sitting in a traditional bank. Compared to regular banks, online savings accounts yield much higher interest rates.
The average savings account interest rate is 0.09% but online banks can provide much more.
Take a peek at the top savings account promotions for both online and physical banks below.
High-Yield Savings Premier - 5.36% APY
- No account activity or maintenance fees
- $500 minimum opening deposit
- FDIC insured
- Minimum Deposit to Open: $500
CIT Bank Platinum Savings - 5.05% APY
- 5.05% 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
- Minimum Deposit to Open: $100
- Direct Deposit Required: No
UFB Secure Savings - Earn up to 5.25% APY
- Earn up to 5.25% 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
- Minimum Deposit to Open: $0
Online Savings Account - Earn 4.25% APY
- No fees
- No minimum opening deposit
- No minimum balance required
- Minimum Deposit to Open: $0
High Yield Savings Account - 5.26% APY
- $1 minimum deposit
- No fees
- 24/7 online access to funds
- Deposits are FDIC insured through Third Coast Bank SSB
- Minimum Deposit to Open: $1
High-Yield Savings Account - 5.16% APY
- $1 minimum deposit
- No fees
- 24/7 online access to funds
- FDIC insured
- Minimum Deposit to Open: $1
High-Yield Savings Account - 5.25% APY
- $1 minimum deposit
- No fees
- 24/7 online access to funds
- FDIC insured
- Minimum Deposit to Open: $1
High-Yield Savings Account - 5.20% APY
- $1 minimum deposit
- No fees
- 24/7 online access to funds
- FDIC insured
- Minimum Deposit to Open: $1
High Yield Savings Account - 5.12% APY
- $1 minimum deposit
- No fees
- 24/7 online access to funds
- FDIC insured
- Minimum Deposit to Open: $1
CIT Bank Savings Connect - 4.65% APY
- Earn 11x the national average
- $100 minimum opening deposit
- No monthly maintenance fee
- Member FDIC
- Minimum Deposit to Open: $100
- Direct Deposit Required: No
High Yield Savings - 4.50% APY
- 4.50% APY
- $100 minimum opening deposit
- No monthly service fees
- Minimum Deposit to Open: $100
High Yield Savings Account - 4.90% APY
- $1 minimum deposit
- No fees
- 24/7 online access to funds
- Deposits are FDIC insured through Bank34
- Minimum Deposit to Open: $1
High Yield Savings Account - 4.80% APY
- $1 minimum deposit
- No fees
- 24/7 online access to funds
- FDIC insured
- Minimum Deposit to Open: $1
High-Yield Savings Account - 4.75% APY
- $1 minimum deposit
- No fees
- 24/7 online access to funds
- NCUA insured
- Minimum Deposit to Open: $1
Premier Savings - Up to 5.21% APY
- 5.21% APY when you have at least $1,000 balance.
- No minimum opening deposit
- No monthly account fees
- 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
Business Savings - 4.00% APY
- Earn 4.00% APY
- No minimum balance requirement
- No monthly service fee
- Minimum Deposit to Open: $0
Business Savings - $300 Cash Bonus
- Open a new Live Oak Bank business savings account between 4/1/24 and 4/30/24.
- Deposit at least $50,000 or more into your new account by 4/30/24. In addition to this funding qualification, existing customers must maintain a total balance in all existing Live Oak Business Savings account that is greater than or equal to the total balance as of 4/1/24.
- Maintain a balance of at least $50,000 for 90 consecutive days from date of funding.
- Minimum Deposit Required: Deposit and hold $50,000 for 90 days
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
Current Savings - Up to 4.00% bonus
- 4.00% bonus 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%)
- Simply add money to your Savings Pods and enable the Boost feature.
- Earn bonus on up to 3 Savings Pods, up to $2,000 balance each.
- Bonuses accumulate daily.
Personal Savings - Earn 4.40% APY
- Earn 4.40% APY
- No minimum balance requirement
- No monthly service fee
- Minimum Deposit to Open: $0
Empower Personal Cash
- 4.70% APY
- $0 monthly fee
- Withdraw up to $100k per day
- Minimum Deposit to Open: $0
Earn 11x National Average
Save smart and earn 4.65% APY at CIT Bank, a CreditDonkey recommended partner.
- Minimum Deposit to Open: $100
Business Savings - 0.20% APY
- Earn 0.20% APY
- $1,000 minimum opening deposit
- No monthly maintenance fees with $2,500 minimum average daily balance
- Minimum Deposit Required: $1,000
High-Yield Savings Account - 5.25% APY
- $1 minimum deposit
- No fees
- 24/7 online access to funds
- Federally insured by NCUA
- Minimum Deposit to Open: $1
High-Yield Savings Account - 5.23% APY
- $1 minimum deposit
- No fees
- 24/7 online access to funds
- FDIC insured
- Minimum Deposit to Open: $1
High-Yield Savings Account - 5.07% APY
- $1 minimum deposit
- No fees
- 24/7 online access to funds
- FDIC insured
- Minimum Deposit to Open: $1
High-Yield Savings Account - 5.00% APY
- $1 minimum deposit
- No fees
- 24/7 online access to funds
- Federally insured by NCUA
- Minimum Deposit to Open: $1
High Yield Savings
- $1 minimum deposit
- No fees
- FDIC or NCUA insured
- 24/7 online access to funds
Related: Best high interest savings accounts to grow your money.
Compare Money Market Accounts
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Money market accounts offer some of the highest APYs available. And as a cross between a checking and high-yield savings account, they're a risk-free way to boost your savings. In exchange for a better interest rate, you must maintain a higher balance.
Major perks of money market accounts include:
- Higher interest rates
- No maturity dates or early withdrawal penalties
- FDIC-insured up to $250,000
Money market accounts are awesome for building an emergency fund and short-term money goals.
UFB Secure Money Market - Earn up to 5.25% APY
- Earn up to 5.25% 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.
- Minimum Deposit to Open: $5,000
Money Market Deposit Account - 5.26% APY
- $1 minimum deposit
- No fees
- 24/7 online access to funds
- Federally insured by NCUA
- Minimum Deposit to Open: $1
Money Market Deposit Account - 5.25% APY
- No fees
- $1 minimum deposit to open
- 24/7 online access to funds
- Federally insured by NCUA
- Minimum Deposit to Open: $1
Money Market Deposit Account - 5.24% APY
- $1 minimum deposit
- No fees
- 24/7 online access to funds
- Federally insured by NCUA
- Minimum Deposit to Open: $1
Money Market Deposit Account - 5.21% APY
- $1 minimum deposit
- No fees
- 24/7 online access to funds
- FDIC insured
- Minimum Deposit to Open: $1
Money Market Deposit Account - 5.20% APY
- $1 minimum deposit
- Federally insured by NCUA
- Minimum Deposit to Open: $1
Money Market Deposit Account - 5.18% APY
- $1 minimum deposit
- No fees
- 24/7 online access to funds
- FDIC insured
- Minimum Deposit to Open: $1
Money Market Deposit Account - 5.15% APY
- No fees
- $1 minimum deposit
- 24/7 online access to funds
- Federally insured by NCUA
- Minimum Deposit to Open: $1
Money Market Deposit Account - 5.03% APY
- No fees
- $1 minimum deposit
- 24/7 online access to funds
- FDIC insured through California Bank of Commerce
- Minimum Deposit to Open: $1
Money Market Deposit Account - 4.70% APY
- No fees
- $1 minimum deposit
- 24/7 online access to funds
- FDIC insured
- Minimum Deposit to Open: $1
Money Market Deposit Account - 4.50% APY
- $1 minimum deposit
- No fees
- 24/7 online access to funds
- FDIC insured
- Minimum Deposit to Open: $1
Money Market Deposit Account - 3.25% APY
- No fees
- $1 minimum deposit
- 24/7 online access to funds
- Federally insured by NCUA
- Minimum Deposit to Open: $1
Money Market Deposit Account - 2.40% APY
- No fees
- $1 minimum deposit
- 24/7 online access to funds
- Federally insured by NCUA
- Minimum Deposit to Open: $1
Money Market Account
- Earn 4.00% APY for balances under $100,000
- Earn 4.05% APY for balances $100,000 and over
- Minimum Deposit to Open: $2,500
Platinum Business Money Market Account - 4.60% APY
Receive a bonus interest rate of 4.50% (4.60% APY) from the account opening date when you open a new Platinum Business Money Market Account and complete qualifying activities1, subject to certain terms and limitations. Offer valid through June 5, 2024. 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
- Minimum Deposit to Open: $100
Money Market Account - 5.00% APY
- Earn 5.00% Annual Percentage Yield
- No monthly maintenance or overdraft fees
- $100 minimum deposit required to open an account
- Minimum Deposit to Open: $100
CIT Bank Money Market Account - 1.55% APY
- 1.55% APY
- $100 minimum opening deposit
- No monthly maintenance fee
- Member FDIC
- Minimum Deposit to Open: $100
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
- Minimum Deposit to Open: $1,000
Compare CD Rates
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CD accounts are best for short-term savings goals. You can save up for a vacation or new car without being tempted to dip into your funds early.
They pay higher interest rates than traditional savings accounts. But your money's tied up for a period of time. You can choose a term as short as three months or as long as five years. The longer the term, the bigger the returns. And the best CD rates are usually at online banks.
Note, if you decide to withdraw money sooner, you'll be penalized a few months' worth of interest.
Certificate of Deposit
- 4.70% APY for 12-month term
- 4.40% APY for 18-month term
- 3.75% APY for 36-month term
- 3.75% APY for 5-year term
- Minimum Deposit to Open: $2,500
CIT Bank No Penalty CD - 3.50% APY
- 3.50% 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
- Member FDIC
- Minimum Deposit to Open: $1,000
CD Rates - Up to 5.05% APY
- $500 minimum opening deposit
- FDIC insured
| Term | CD Rates |
|---|---|
| 6 Month | 5.05% APY |
| 12 Month | 4.50% APY |
| 24 Month | 4.50% APY |
| 36 Month | 4.40% APY |
| 60 Month | 4.30% APY |
- Minimum Deposit to Open: $500
Alliant Credit Union CD Rates
- Low minimum deposit of only $1,000; no maximum
- Jumbo certificates may be available for a higher rate if you deposit $75,000 or more
- Funds are insured up to $250,000 by NCUA
| Term | APY |
|---|---|
| 3-month | 4.25% |
| 6-month | 5.00% |
| 12-month | 5.15% |
| 18-month | 4.90% |
| 24-month | 4.30% |
| 36-month | 4.20% |
| 48-month | 4.05% |
| 60-month | 4.00% |
- Minimum Deposit to Open: $1,000
5-Month High-Yield CD - 5.30% APY
- No fees
- $1 minimum deposit
- 24/7 online access
- FDIC insured
- Minimum Deposit to Open: $1
5-Month High-Yield CD - 5.00% APY
- $1 minimum deposit
- 24/7 online access
- Federally insured by NCUA
- Minimum Deposit to Open: $1
12-Month High-Yield CD - 4.90% APY
- $1 minimum deposit
- No fees
- 24/7 online access to funds
- Federally insured by NCUA
- Minimum Deposit to Open: $1
9-Month High-Yield CD - 4.75% APY
- No fees
- $1 minimum deposit
- 24/7 online access to funds
- Federally insured by NCUA
- Minimum Deposit to Open: $1
15-Month High-Yield CD - 4.70% APY
- No fees
- $1 minimum deposit
- 24/7 online access to funds
- Federally insured by NCUA
- Minimum Deposit to Open: $1
10-Month High-Yield CD - 3.00% APY
- No fees
- $1 minimum deposit
- 24/7 online access to funds
- FDIC insured
- Minimum Deposit to Open: $1
12-Month High-Yield CD - 2.40% APY
- No fees
- $1 minimum deposit
- 24/7 online access to funds
- Federally insured by NCUA
- Minimum Deposit to Open: $1
1-Month High-Yield CD - 5.25% APY
- $1 minimum deposit
- No fees
- 24/7 online access to funds
- FDIC insured
- Minimum Deposit to Open: $1
6-Month High-Yield CD - 5.18% APY
- $1 minimum deposit
- No fees
- 24/7 online access to funds
- FDIC insured
- Minimum Deposit to Open: $1
1-Month High-Yield CD - 5.15% APY
- $1 minimum deposit
- No fees
- 24/7 online access to funds
- FDIC insured
- Minimum Deposit to Open: $1
9-Month High-Yield CD - 5.12% APY
- $1 minimum deposit
- No fees
- 24/7 online access to funds
- FDIC insured
- Minimum Deposit to Open: $1
6-Month High-Yield CD - 5.10% APY
- $1 minimum deposit
- No fees
- 24/7 online access to funds
- FDIC insured
- Minimum Deposit to Open: $1
5-Month High-Yield CD - 5.04% APY
- No fees
- $1 minimum deposit
- 24/7 online access to funds
- FDIC insured
- Minimum Deposit to Open: $1
3-Month High-Yield CD - 5.00% APY
- $1 minimum deposit
- No fees
- 24/7 online access to funds
- FDIC insured
- Minimum Deposit to Open: $1
3-Month High-Yield CD - 5.00% APY
- $1 minimum deposit
- No fees
- 24/7 online access to funds
- FDIC insured
- Minimum Deposit to Open: $1
3-Month High-Yield CD - 4.95% APY
- $1 minimum deposit
- No fees
- 24/7 online access to funds
- Federally insured by NCUA
- Minimum Deposit to Open: $1
10-Month High-Yield CD - 4.70% APY
- $1 minimum deposit
- No fees
- 24/7 online access to funds
- NCUA insured
- Minimum Deposit to Open: $1
4-Month High-Yield CD - 4.50% APY
- $1 minimum deposit
- No fees
- 24/7 online access to funds
- FDIC insured
- Minimum Deposit to Open: $1
Next up, take a look at business checking promotions. They don't come around nearly as often as personal checking bonuses. If you run a small business, take advantage of these limited time offers.
Compare Business Checking Accounts
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It's crucial to separate your personal and business finances for legal, tax and organizational purposes. But finding the right bank for your business isn't easy.
Small business owners should look for low fees/minimum balance and a personal, customer relationship. Some banks are also offering generous welcome bonuses for dedicated business bank accounts.
If you need more help on choosing the right account for you, check out this in-depth guide to the best business checking accounts.
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
- Automatic Savings
- Get paid up to 2 days early
- Minimum Deposit to Open: $0
Chase Business Complete Banking® - $300 Bonus
- Earn $300 when you open a new Chase Business Complete Checking® account. For new Chase business checking customers with qualifying activities.
- Multiple ways to waive the $15 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 $15 service fee 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.
- Minimum Deposit to Open: $0
- Direct Deposit Required: No
Bank of America Business Advantage Checking Account - $200 Bonus Offer
Earn a cash bonus in three steps:
**The maintenance period begins thirty-one (31) days after account opening and ends ninety (90) calendar days after account opening.
Member FDIC
- Open a new eligible business checking account by June 30, 2024
- Make Qualifying Deposits* of $5,000 or more in new money within 30 days of opening the new eligible 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
Free 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
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
No-Fee Business Checking
- $0 monthly service fee
- $0 minimum opening deposit
- Open up to 20 individual business checking accounts
- Earn up to 3% APY with automated savings
- Issue up to 50 Visa® debit cards to your team
- Minimum Deposit to Open: $0
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
- Photo receipt capture
- Free unlimited custom invoices
- Easy sign up; no credit check
- Minimum Deposit to Open: $0
Free Business Checking
- $0 monthly service fee
- $50 deposit to unlock all features
- ATM fee refunds up to $7 per month
- Minimum Deposit to Open: $50
Silver Business Checking Package - Up to $800 Bonus
Earn up to an $800 bonus when you open a new, eligible U.S. Bank business checking account online with promo code Q1AFL24 and complete qualifying activities, subject to certain terms and limitations. Offer valid through April 23, 2024. Member FDIC. Complete these steps to earn the offer:
Earn your $350.
- Complete $5,000 in new money deposits within 30 days of account opening and maintain for 60 days after account opening.
Earn your $800.
- Complete $25,000 in new money deposits within 30 days of account opening and maintain for 60 days after account opening.
- Minimum Deposit to Open: $100
Free Checking Account for Sole Proprietors and Single-Member LLC
- $0 monthly service fees
- Automatic Savings
- Free withdrawals at 38k ATMs
- Get direct deposits up to 2 days earlier
- No foreign transaction fees
- Minimum Deposit to Open: $0
Free 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
- Minimum Deposit to Open: $0
Free Business Checking
- $0 monthly service fee
- ATM fee refunds up to $7 per month
- Free ACHs, incoming wires, and mailed checks
- Up to 20 Reserves to manage multiple budgets
- Thousands of app integrations
- Minimum Deposit to Open: $50
Gold Business Checking Package - Up to $800 Bonus
Earn up to an $800 bonus when you open a new, eligible U.S. Bank business checking account online with promo code Q1AFL24 and complete qualifying activities, subject to certain terms and limitations. Offer valid through April 23, 2024. Member FDIC. Complete these steps to earn the offer:
Earn your $350.
- Complete $5,000 in new money deposits within 30 days of account opening and maintain for 60 days after account opening.
Earn your $800.
- Complete $25,000 in new money deposits within 30 days of account opening and maintain for 60 days after account opening.
- Minimum Deposit to Open: $100
Premier Business Checking - Up to 4.25% APY
- 4.25% APY on balances up to $3,000,000
- $0 minimum opening deposit
- 50% off most Standard payment fees
- Priority customer support
- Waive the $95 monthly service fee with $100k average daily balance and $5k debit card spend
- Minimum Deposit to Open: $0
Platinum Business Checking Package - Up to $800 Bonus
Earn up to an $800 bonus when you open a new, eligible U.S. Bank business checking account online with promo code Q1AFL24 and complete qualifying activities, subject to certain terms and limitations. Offer valid through April 23, 2024. Member FDIC. Complete these steps to earn the offer:
Earn your $350.
- Complete $5,000 in new money deposits within 30 days of account opening and maintain for 60 days after account opening.
Earn your $800.
- Complete $25,000 in new money deposits within 30 days of account opening and maintain for 60 days after account opening.
- Minimum Deposit to Open: $100
Free Checking Account for Sole Proprietors and Single-Member LLC
- $0 monthly fee
- $0 minimum balance
- No ATM fee at 38,000+ locations
- Automatic Savings
- Get paid up to 2 days early
- No overdraft fees
- No foreign transaction fees
- Minimum Deposit to Open: $0
Basic Business Checking - Up to $400 Bonus
- Business owners get up to $400 welcome bonus!*
- Open a business checking account by June 30 and get up to $400 when you use promo code NEW400 on your application and maintain a minimum average daily balance of $50,000.*
- 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
- Minimum Deposit to Open: $0
- Direct Deposit Required: No
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
- Minimum Deposit to Open: $100
Business Advantage Relationship Banking
- No fee for first 500 transactions per statement cycle
- No fee for first $20,000 in cash deposited per statement cycle
- Waive the $29.95 monthly fee by maintaining a $15,000 combined average monthly balance
- Minimum Deposit to Open: $100
Business Interest Checking - 1.01% APY
- Business owners get up to $400 welcome bonus!*
- Open a business checking account by June 30 and get up to $400 when you use promo code NEW400 on your application and maintain a minimum average daily balance of $50,000.*
- 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
NorthOne Free Business Banking
- Unlimited envelopes for all your business budgets
- Integrations with popular accounting and payment processing apps
- Automate your bill payments
- $50 minimum opening deposit
- Minimum Deposit to Open: $50
NorthOne Plus Business Banking
- Priority email/chat support
- Dedicated relationship manager
- Implementation and onboarding assistant
- $0 same-day ACH payments, bill payments, and physical checks
- Lowest transaction fees
- $50 minimum opening deposit
- $20 monthly fee
- Minimum Deposit to Open: $50
Lili Pro Business Checking
- $15.00 monthly service fee (30 day free trial)
- Track write-offs with a swipe
- Auto-save for taxes
- Savings with 4.15% APY
- Cashback with selected merchants
- Fee-free Overdraft up to $200
- Minimum Deposit to Open: $0
Found Plus Business Banking
- $19.99/month or $149.99/year
- Earn 1.5% APY on balances up to $20,000
- Auto-import expense from receipt
- Automatically find tax write-offs and track expenses
- Pay taxes directly from the app
- Free unlimited custom invoices
- Custom bookkeeping categories
- Priority customer support
- Minimum Deposit to Open: $0
Bottom Line
Seriously, everyone could use some extra cash. And that bonus money is a great way to kickstart your shiny new bank account.
Bank promotions are constantly updated throughout the year - so be sure to bookmark this page. You can compare these offers with other popular bank bonuses.
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