Checking Account Bonuses in Florida: April 2026
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Compare the best checking account bonuses in Florida. See which banks offer cash bonuses for opening a new checking account — updated monthly.
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Florida banks are competing for new customers — and many offer cash bonuses just for opening a checking account with a qualifying deposit. We track the latest checking account bonuses available to Floridians below, updated April 2026.
Here are today's best checking account bonuses for Florida residents:
- Bank of America Advantage Banking:
Up to $500 Cash Offer - HSBC Premier:
Earn Up to $5,000 - Chase Total Checking®:
$400 Bonus - PNC Bank:
Virtual Wallet with Performance Select Checking - $400 Bonus - Wells Fargo:
Everyday Checking Account - $325 Bonus - BMO:
Personal Checking Account - $400 Bonus - TD Bank:
Personal Checking Account - $300 Bonus - Truist Bank:
Personal Checking Account - $400 Bonus - Regions Bank:
Personal Checking Account - $300 Bonus - Valley National Bank:
Personal Checking Account - $100 Bonus - Seacoast Bank:
Personal Checking Account - $300 Bonus - Santander Bank:
Personal Checking Account - $400 Bonus - Hancock Whitney Bank:
Personal Checking and Savings Account - $600 Bonus - M&T Bank:
Personal Checking Account - $200 Bonus - MIDFLORIDA Credit Union:
Personal Checking Account - $400 Bonus - Addition Financial:
Personal Checking Account - $400 Bonus - Florida Credit Union:
Personal Checking Account - $300 Bonus - Grow Financial Federal Credit Union:
Personal Checking Account - $300 Bonus - Community First Credit Union:
Personal Checking Account - $200 Bonus - CIBC Bank:
Personal Checking Account - $200 Bonus - Community Credit Union Florida:
Personal Checking Account - $100 Bonus - Power Financial Credit Union:
Personal Checking Account - $100 Bonus - iThink Financial:
Personal Checking Account - $75 Bonus - Central Bank:
Personal Checking Account - $300 Bonus - Busey Bank:
Personal Checking Account - $500 Bonus - Flagstar Bank:
Personal Checking Account - $500 Bonus
Bank of America Advantage Banking - Up to $500 Cash Offer
- The cash offer up to $500 is an online only offer and must be opened through the Bank of America promotional page.
- The offer is for new checking customers only.
- Offer expires 05/31/2026.
- To qualify, open a new eligible Bank of America Advantage Banking account through the promotional page and set up and receive Qualifying Direct Deposits* into that new eligible account within 90 days of account opening. Your cash bonus amount will be based on the total amount of your Qualifying Direct Deposits received in the first 90 days.
Cash Bonus Total Qualifying Direct Deposits $100 $2,000 $300 $5,000 $500 $10,000+ - If all requirements are met 90 days after account opening, Bank of America will attempt to deposit your bonus into your new eligible account within 60 days.
- Bank of America Advantage SafeBalance Banking® for Family Banking accounts are not eligible for this offer.
- Additional terms and conditions apply. See offer page for more details.
- *A Qualifying Direct Deposit is a direct deposit of regular monthly income – such as your salary, pension or Social Security benefits, which are made by your employer or other payer – using account and routing numbers that you provide to them.
- Bank of America, N.A. Member FDIC.
HSBC Premier - Earn Up to $5,000
Discover all that Premier can do for you
- Earn our best savings rate with a Premier Relationship Savings account for an introductory period and thereafter if you qualify
- Send money internationally, securely, quickly and fee-free in the HSBC mobile app with our award-winning HSBC Global Money Transfers
- Enjoy peace of mind with unique travel benefits available through our credit cards
Here's how the offer works
- Open a Premier checking account by June 30, 2026
- Add your desired level of deposits and/or eligible investments within 20 days
- Get $1,500: Deposit or invest $150,000 to $249,999
- Get $2,500: Deposit or invest $250,000 to $499,999
- Get $3,500: Deposit or invest $500,000 to $999,999
- Get $5,000: Deposit or invest $1,000,000+
- Maintain your balances for 3 full consecutive months
- Remain opted-in to receive HSBC marketing emails
If all offer requirements are met, the bonus will be paid within 8 weeks.
Chase Total Checking® - $400 Bonus
- New Chase checking customers can receive $400 when you open a Chase Total Checking® account and make direct deposits totaling $1,000 or more within 90 days of coupon enrollment.
- Unlock more offers with Chase. Get up to $500 per calendar year by referring friends and family. Plus, get cash back from top brands with Chase Offers when you use your debit card.
- Chase Total Checking® has a $15 monthly service fee, you can easily avoid the fee with direct deposits totaling $500 or more, or a minimum average daily balance each statement period.
- 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*
- Chase Mobile® app makes banking simple. Manage accounts, pay bills, send money to friends with Zelle® and deposit checks on the go with Chase Quick Deposit℠.
- Chase has the largest branch network in the U.S. with thousands of ATMs and branches. Use the Chase locator tool to find a branch or ATM near you.
- Chase helps keep your money protected with features like Zero Liability Protection, fraud monitoring and card lock.
- Chase Total Checking includes FDIC insurance up to the maximum amount allowed by law.
Chase Secure Banking℠ - $125 Bonus
- New Chase checking customers enjoy a $125 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.
- Unauthorized purchases on your debit card? Let us know right away. With Zero Liability Protection with Chase Secure Banking℠ we'll reimburse you for charges you didn't make.
- $0 Monthly Service Fee for customers age 17-24.
- Pay bills, cash checks and send or receive money with Zelle® with a Chase Secure Banking℠ account.
- Chase makes it easy for you to access your money from anywhere with the Chase Mobile® app, plus thousands of ATMs and branches.
- JPMorgan Chase Bank, N.A. Member FDIC.
Chase Business Complete Banking® - Up to $500 Bonus
- Earn up to $500 when you open a new Chase Business Complete Checking® account. For new Chase business checking customers with qualifying activities.
- Get added features at no additional costs. Choose Chase Business Complete Banking® to get a fully integrated business solution that can help you control costs. Waive the $15 Monthly Service Fee in multiple ways like keeping a minimum $2,000 balance, plus use built-in offerings such as card acceptance, invoicing, Chase Customer Insights and Tap to Pay on iPhone at no additional cost.
- Bank with confidence. Feel confident knowing we have the largest branch network in the U.S. with 5,000 branches that provide personalized service and can help with your complex banking needs. You can also benefit from our account protection services, which provide safeguards by overseeing employee account activity, monitoring checks, and offering additional protection for your business.
- Access top-rated online business banking. Take advantage of our #1-ranked online small business banking platform with a comprehensive set of features designed for small business owners like you. Our tools enhance your ability to manage cash flow, accept and make payments, create invoices and plan for growth, so you can streamline processes and gain greater control of your finances.
Bank of America® Business Advantage Banking - $400 or $750 Cash Bonus Offer
- The $400 or $750 cash bonus offer is an online only offer and must be opened through the Bank of America promotional page.
- The offer is for new eligible business checking customers only.
- Offer expires 12/31/2026.
- To qualify, open a new Business Advantage Relationship Banking or Business Advantage Fundamentals™ Banking account through the promotional page and deposit New Money* directly into that new eligible account within thirty (30) days of account opening (“Deposit Period”). At the
end of the Deposit Period, all New Money deposits made directly into new eligible Business Advantage Banking account will be totaled to determine which Balance Requirement you have met and which corresponding Cash Bonus Tier you
are eligible for.
Balance Requirement Cash Bonus Tier $5,000 $400 $15,000 $750 - Maintain a daily balance in that new Business Advantage Banking account that meets the applicable Balance Requirement during the Maintenance Period**
- After you satisfy all of the requirements, Bank of America will attempt to deposit your earned bonus directly into your new eligible Bank of America Business Advantage Banking account within 60 days.
- Additional terms and conditions apply. See offer page for more details.
- *New Money is new funds deposited into your Business Advantage Banking account that are not transfers from other Bank of America accounts or Merrill investment accounts.
- ** The Maintenance Period begins thirty-one (31) calendar days after account opening and ends ninety (90) calendar days after account opening.
- Bank of America, N.A. Member FDIC
PNC Bank: Virtual Wallet with Performance Select Checking - $400 Bonus
Open a new Virtual Wallet with Performance Select checking account and make qualifying direct deposits totaling $5,000 or more within 60 days of account opening. Bonus will be awarded within 60-90 days of meeting the requirements.
Chase Private Client Checking℠ - Up to $3,000 Bonus
- Elevate your banking relationship and enjoy a bonus up to $3,000 when you open a new Chase Private Client Checking℠ account with qualifying activities.
- Personalized banking made easier with premium benefits, 24/7 support and access to your banking and investment accounts in one place in the Chase Mobile® app.
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+. - Get up to a $3,000 bonus when you open or upgrade to a Chase Private Client account, a premium checking account which provides you with a dedicated banker and receive investing guidance from J.P. Morgan Wealth Management to help you reach your financial goals.
- Receive personalized wealth strategies from a J.P. Morgan advisor. Your J.P. Morgan advisor gets to know you, your family and your goals to build a custom financial strategy and investment portfolio that reflects your evolving priorities.
- Bank deposit accounts, such as checking and savings, may be subject to approval. Deposit products provided by JPMorgan Chase Bank, N.A. Member FDIC.
J.P. Morgan Wealth Management is a business of JPMorgan Chase & Co., which offers investment products and services through J.P. Morgan Securities LLC (JPMS), a registered broker-dealer and investment adviser, member FINRA and SIPC. Insurance products are made available through Chase Insurance Agency, Inc. (CIA), a licensed insurance agency, doing business as Chase Insurance Agency Services, Inc. in Florida. Certain custody and other services are provided by JPMorgan Chase Bank, N.A. (JPMCB). JPMS, CIA and JPMCB are affiliated companies under the common control of JPMorgan Chase & Co. Products not available in all states.
INVESTMENT AND INSURANCE PRODUCTS: •
Basic Business Checking - Up to $200 Bonus
- Open a Basic Business Checking account using promo code START200 by June 30, 2026.
- Every dollar counts when you're starting out. That's why new businesses can earn up to $200 opening a new Basic Business Checking account today.
- No initial deposit requirement
- No minimum balance requirement
- No monthly maintenance fees
- Free domestic incoming wires. Two (2) outgoing domestic wire fees reimbursed per month.
- Unlimited domestic ATM fee reimbursements
- Unlimited item processing (debits, credits, and deposited items)
- Cash deposits via MoneyPass and Allpoint networks
How to Maximize Your Checking Account Bonus in Florida
Stack multiple bonuses. National banks (such as Chase, Bank of America, and Wells Fargo Bank) and Florida-based banks often run promotions at the same time. Open accounts at multiple banks to collect more than one bonus. Just make sure you meet each bank's direct deposit requirement.
Watch for enhanced offers. Florida is a high-competition banking market. Banks like Chase, Truist, and Regions Bank frequently offer limited-time checking account bonuses to attract Florida residents.
Set up direct deposit right away. The clock starts when you open the account — not when direct deposit kicks in. Waiting too long could mean missing the qualifying window.
Many high-value bonuses require direct deposit. However, some banks accept ACH transfers from external accounts as qualifying "direct deposits." Check each bank's terms carefully.
Highest Checking Account Bonus in Florida
Florida residents can take advantage of many lucrative bank bonuses for April 2026 from various banks and credit unions, including HSBC Premier:
HSBC Premier - Earn Up to $5,000
Discover all that Premier can do for you
- Earn our best savings rate with a Premier Relationship Savings account for an introductory period and thereafter if you qualify
- Send money internationally, securely, quickly and fee-free in the HSBC mobile app with our award-winning HSBC Global Money Transfers
- Enjoy peace of mind with unique travel benefits available through our credit cards
Here's how the offer works
- Open a Premier checking account by June 30, 2026
- Add your desired level of deposits and/or eligible investments within 20 days
- Get $1,500: Deposit or invest $150,000 to $249,999
- Get $2,500: Deposit or invest $250,000 to $499,999
- Get $3,500: Deposit or invest $500,000 to $999,999
- Get $5,000: Deposit or invest $1,000,000+
- Maintain your balances for 3 full consecutive months
- Remain opted-in to receive HSBC marketing emails
If all offer requirements are met, the bonus will be paid within 8 weeks.
Chase Private Client Checking℠ - Up to $3,000 Bonus
- Elevate your banking relationship and enjoy a bonus up to $3,000 when you open a new Chase Private Client Checking℠ account with qualifying activities.
- Personalized banking made easier with premium benefits, 24/7 support and access to your banking and investment accounts in one place in the Chase Mobile® app.
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+. - Get up to a $3,000 bonus when you open or upgrade to a Chase Private Client account, a premium checking account which provides you with a dedicated banker and receive investing guidance from J.P. Morgan Wealth Management to help you reach your financial goals.
- Receive personalized wealth strategies from a J.P. Morgan advisor. Your J.P. Morgan advisor gets to know you, your family and your goals to build a custom financial strategy and investment portfolio that reflects your evolving priorities.
- Bank deposit accounts, such as checking and savings, may be subject to approval. Deposit products provided by JPMorgan Chase Bank, N.A. Member FDIC.
J.P. Morgan Wealth Management is a business of JPMorgan Chase & Co., which offers investment products and services through J.P. Morgan Securities LLC (JPMS), a registered broker-dealer and investment adviser, member FINRA and SIPC. Insurance products are made available through Chase Insurance Agency, Inc. (CIA), a licensed insurance agency, doing business as Chase Insurance Agency Services, Inc. in Florida. Certain custody and other services are provided by JPMorgan Chase Bank, N.A. (JPMCB). JPMS, CIA and JPMCB are affiliated companies under the common control of JPMorgan Chase & Co. Products not available in all states.
INVESTMENT AND INSURANCE PRODUCTS: •
BMO: Business Checking Account - $1,000 Bonus
Open a new BMO Digital Business Checking, BMO Simple Business Checking, BMO Premium Business Checking, or BMO Elite Business Checking account online or at a branch. Account balance must be $50,000 or more on the 30th day after account opening. Balance in the account must be $50,000 or more from the 31st to the 90th day after opening the account.
PNC Bank: Business Checking Account - $1,000 Bonus
Open a new PNC Treasury Enterprise Plan or Analysis Business Checking account. Maintain an average ledger balance of $30,000 or more in your new checking account for each of the first three statement cycles.
This offer is only available to businesses with an annual revenue of less than $5 million. All existing business checking customers, including those who have closed an account in the past 90 days or has been paid a promotional premium in the past 12 months are not eligible for this offer. $1,000 bonus will be credited to your new business checking account within 90 days after all conditions have been met.
Chase Total Checking® + Chase Savings℠ - $900 Bonus
- Earn $300 when you open a new Chase Total Checking® account and set up and receive a direct deposit within 90 days of coupon enrollment
- Earn $200 when you open a new Chase Savings℠ account, deposit $15,000 or more in new money within 30 days of coupon enrollment, and maintain $15,000 or more for 90 days of coupon enrollment.
- Earn an additional $400 when you open a new Chase Total Checking® and new Chase Savings℠ at the same time and complete qualifying activities for both accounts.
The information for Chase Total Checking® and Chase Savings℠ have been collected independently by CreditDonkey. The details on this page have not been reviewed or provided by the bank.
BMO: Business Checking Account - $750 Bonus
Open a new BMO Digital Business Checking, BMO Simple Business Checking, BMO Premium Business Checking, or BMO Elite Business Checking account online or at a branch. Account balance must be $25,000 or more on the 30th day after account opening. Balance in the account must be $25,000 or more from the 31st to the 90th day after opening the account.
Hancock Whitney Bank: Personal Checking and Savings Account - $600 Bonus
Open a new Freestyle Checking account. Use promo code obtained by providing your email address. Set up and receive qualifying direct deposits totaling at least $3,000 within 90 days of account opening.
Open a Freestyle Savings Account. Deposit $5,000 or more within 30 days of account opening. Maintain a minimum daily balance for 60 days.
Hancock Whitney Bank: Business Checking Account - $500 Bonus
Open a new Preferred Business Checking, Interest Business Checking, or Essential Business Checking account. Use promo code 2034SBCK26 at account opening. Make at least $5,000 in qualifying deposits within 30 days of account opening. Maintain a balance of at least $5,000 in the account for 60 days after the initial 30 days.
Bank of America Advantage Banking - Up to $500 Cash Offer
- The cash offer up to $500 is an online only offer and must be opened through the Bank of America promotional page.
- The offer is for new checking customers only.
- Offer expires 05/31/2026.
- To qualify, open a new eligible Bank of America Advantage Banking account through the promotional page and set up and receive Qualifying Direct Deposits* into that new eligible account within 90 days of account opening. Your cash bonus amount will be based on the total amount of your Qualifying Direct Deposits received in the first 90 days.
Cash Bonus Total Qualifying Direct Deposits $100 $2,000 $300 $5,000 $500 $10,000+ - If all requirements are met 90 days after account opening, Bank of America will attempt to deposit your bonus into your new eligible account within 60 days.
- Bank of America Advantage SafeBalance Banking® for Family Banking accounts are not eligible for this offer.
- Additional terms and conditions apply. See offer page for more details.
- *A Qualifying Direct Deposit is a direct deposit of regular monthly income – such as your salary, pension or Social Security benefits, which are made by your employer or other payer – using account and routing numbers that you provide to them.
- Bank of America, N.A. Member FDIC.
Central Bank: Business Checking Account - $500 Bonus
Open a new eligible business checking account. Use promo code 500BB18 at account opening. Deposit at least $50 at account opening. Reach a balance of at least $3,000 within 90 days from account opening.
Flagstar Bank: Personal Checking Account - $500 Bonus
Open a new Flagstar Elite Checking account. Maintain an average daily balance of at least $500 for the first 90 days after account opening. Set up and receive one or more direct deposits totaling at least $500 within 90 days of account opening.
Busey Bank: Personal Checking Account - $500 Bonus
Open a Foundation Checking account using promo code LevelUp1, or Pillar Banking account using promo code LevelUp2. Set up and receive qualifying direct deposits totaling $5,000 or more within 90 days of account opening. Use your Busey Debit Mastercard® at least 3 times within 90 days of account opening. Enroll in online banking.
Chase Business Complete Banking® - Up to $500 Bonus
- Earn up to $500 when you open a new Chase Business Complete Checking® account. For new Chase business checking customers with qualifying activities.
- Get added features at no additional costs. Choose Chase Business Complete Banking® to get a fully integrated business solution that can help you control costs. Waive the $15 Monthly Service Fee in multiple ways like keeping a minimum $2,000 balance, plus use built-in offerings such as card acceptance, invoicing, Chase Customer Insights and Tap to Pay on iPhone at no additional cost.
- Bank with confidence. Feel confident knowing we have the largest branch network in the U.S. with 5,000 branches that provide personalized service and can help with your complex banking needs. You can also benefit from our account protection services, which provide safeguards by overseeing employee account activity, monitoring checks, and offering additional protection for your business.
- Access top-rated online business banking. Take advantage of our #1-ranked online small business banking platform with a comprehensive set of features designed for small business owners like you. Our tools enhance your ability to manage cash flow, accept and make payments, create invoices and plan for growth, so you can streamline processes and gain greater control of your finances.
Addition Financial: Personal Checking Account - $400 Bonus
Open a new Benefits Checking account. Set up and receive monthly qualifying direct deposits totaling $2,000 or more within 90 days of account opening.
PNC Bank: Business Checking Account - $400 Bonus
Open a new PNC Business Checking or PNC Business Checking Plus account. Maintain an average ledger balance of $2,000 in your new checking account for each of the first three statement cycles. Make at least 10 qualifying transactions within the first three statement cycles.
This offer is only available to businesses with an annual revenue of less than $5 million. All existing business checking customers, including those who have closed an account in the past 90 days or have been paid a promotional premium in the past 12 months are not eligible for this offer. $400 bonus will be credited to your new business checking account within 90 days after all conditions have been met.
BMO: Business Checking Account - $400 Bonus
Open a new BMO Digital Business Checking, BMO Simple Business Checking, BMO Premium Business Checking, or BMO Elite Business Checking account online or at a branch. Account balance must be $4,000 or more on the 30th day after account opening. Balance in the account must be $4,000 or more from the 31st to the 90th day after opening the account.
BMO: Personal Checking Account - $400 Bonus
Open a new BMO Smart Money Checking, BMO Smart Advantage Checking, or BMO Relationship Checking account. Set up and receive qualifying direct deposits totaling $4,000 or more within 90 days of account opening.
MIDFLORIDA Credit Union: Personal Checking Account - $400 Bonus
Open a new Free Checking account. Set up and receive qualifying direct deposits totaling $4,000 or more within 60 days of account opening. Enroll in online banking and eStatements. Apply for a debit card and complete 40 debit card purchases, which must be posted in one calendar month. The debit card requirement must be done within 60 days of account opening.
PNC Bank: Virtual Wallet with Performance Select Checking - $400 Bonus
Open a new Virtual Wallet with Performance Select checking account and make qualifying direct deposits totaling $5,000 or more within 60 days of account opening. Bonus will be awarded within 60-90 days of meeting the requirements.
Chase Total Checking® - $400 Bonus
- New Chase checking customers can receive $400 when you open a Chase Total Checking® account and make direct deposits totaling $1,000 or more within 90 days of coupon enrollment.
- Unlock more offers with Chase. Get up to $500 per calendar year by referring friends and family. Plus, get cash back from top brands with Chase Offers when you use your debit card.
- Chase Total Checking® has a $15 monthly service fee, you can easily avoid the fee with direct deposits totaling $500 or more, or a minimum average daily balance each statement period.
- 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*
- Chase Mobile® app makes banking simple. Manage accounts, pay bills, send money to friends with Zelle® and deposit checks on the go with Chase Quick Deposit℠.
- Chase has the largest branch network in the U.S. with thousands of ATMs and branches. Use the Chase locator tool to find a branch or ATM near you.
- Chase helps keep your money protected with features like Zero Liability Protection, fraud monitoring and card lock.
- Chase Total Checking includes FDIC insurance up to the maximum amount allowed by law.
Truist Bank: Personal Checking Account - $400 Bonus
Open a new Truist One Checking account online. Use promo code DC400TR1Q226 at account opening. Set up and receive at least two qualifying direct deposits totaling $2,000 or more within 120 days of account opening. Complete at least 20 qualifying debit card purchases within 120 days of account opening.
Bank of America® Business Advantage Banking - $400 or $750 Cash Bonus Offer
- The $400 or $750 cash bonus offer is an online only offer and must be opened through the Bank of America promotional page.
- The offer is for new eligible business checking customers only.
- Offer expires 12/31/2026.
- To qualify, open a new Business Advantage Relationship Banking or Business Advantage Fundamentals™ Banking account through the promotional page and deposit New Money* directly into that new eligible account within thirty (30) days of account opening (“Deposit Period”). At the
end of the Deposit Period, all New Money deposits made directly into new eligible Business Advantage Banking account will be totaled to determine which Balance Requirement you have met and which corresponding Cash Bonus Tier you
are eligible for.
Balance Requirement Cash Bonus Tier $5,000 $400 $15,000 $750 - Maintain a daily balance in that new Business Advantage Banking account that meets the applicable Balance Requirement during the Maintenance Period**
- After you satisfy all of the requirements, Bank of America will attempt to deposit your earned bonus directly into your new eligible Bank of America Business Advantage Banking account within 60 days.
- Additional terms and conditions apply. See offer page for more details.
- *New Money is new funds deposited into your Business Advantage Banking account that are not transfers from other Bank of America accounts or Merrill investment accounts.
- ** The Maintenance Period begins thirty-one (31) calendar days after account opening and ends ninety (90) calendar days after account opening.
- Bank of America, N.A. Member FDIC
Santander Bank: Personal Checking Account - $400 Bonus
Open a new Santander Select® Checking, Simply Right® Checking, or Santander® Private Client Checking account. Use promo code at account opening. Promo code can be obtained by filling out the form on the promotion page. Set up and receive qualifying direct deposits totaling $5,000 or more within 90 days of account opening.
Wells Fargo: Everyday Checking Account - $325 Bonus
Earn a $325 bonus when you open a new Everyday Checking account and make $1,000 or more in qualifying direct deposits within 90 days of account opening.
The information for Everyday Checking Account has been collected independently by CreditDonkey. The details on this page have not been reviewed or provided by the bank.
Florida Credit Union: Personal Checking Account - $300 Bonus
Open a new qualifying personal checking account. Use promo code 26CHK300 at account opening. Set up and receive qualifying direct deposits totaling $500 or more within 60 days of account opening. Keep the account open and in good standing for 90 days.
MIDFLORIDA Credit Union: Business Checking Account - $300 Bonus
Open a new business checking account. Deposit a total of $5,000 or more in a calendar month for two of the first six months of account opening. Make 5 eligible transactions within 60 days of account opening. Enroll in online banking and eStatements.
Addition Financial: Personal Checking Account - $300 Bonus
Open a new Classic Checking account. Set up and receive monthly qualifying direct deposits totaling $1,000 or more within 90 days of account opening.
Regions Bank: Personal Checking Account - $300 Bonus
Register for the offer by December 31, 2026. Open a new personal LifeGreen® Checking account online or in a branch by January 31, 2027. Make $1,000 or more in qualifying ACH direct deposits that post to your account within 90 days of account opening.
Hancock Whitney Bank: Personal Checking Account - $300 Bonus
Open a new Freestyle Checking account. Use promo code obtained by providing your email address. Set up and receive qualifying direct deposits totaling at least $3,000 within 90 days of account opening.
Florida Credit Union: Personal Checking Account - $300 Bonus
Open a new qualifying personal checking account. Use promo code 26CHK300 at account opening. Set up and receive qualifying direct deposits totaling $500 or more within 60 days of account opening. Keep the account open and in good standing for 90 days.
Grow Financial Federal Credit Union: Personal Checking Account - $300 Bonus
Open a Basic Savings + CashBack Checking account or a Basic Savings + Checkless Checking account. Set up and receive at least 2 qualifying direct deposits of $500 each within 90 days of account opening. Enroll in online banking and mobile banking within 90 days of account opening.
TD Bank: Personal Checking Account - $300 Bonus
Open a new TD Beyond Checking account and make $2,500 in qualifying direct deposits.
Flagstar Bank: Personal Checking Account - $300 Bonus
Open a new Flagstar Ready Checking account. Maintain an average daily balance of at least $500 for the first 90 days after account opening. Set up and receive one or more direct deposits totaling at least $500 within 90 days of account opening.
Busey Bank: Personal Checking Account - $300 Bonus
Open a Foundation Checking account using promo code LevelUp1, or Pillar Banking account using promo code LevelUp2. Set up and receive qualifying direct deposits totaling $3,000 or more within 90 days of account opening. Use your Busey Debit Mastercard® at least 3 times within 90 days of account opening. Enroll in online banking.
Seacoast Bank: Personal Checking Account - $300 Bonus
Open a new eligible checking account. Use promo code CON300 at account opening. Set up and receive qualifying direct deposits totaling $500 within 90 days of account opening. Make 15 qualifying debit card transactions within 90 days of account opening.
Central Bank: Personal Checking Account - $300 Bonus
Open a new eligible personal checking account. Use promo code RAF300 at account opening. Deposit $50 or more during account opening. Set up and receive two or more direct deposits totaling $800 or more within 90 days of account opening. Keep the account open and in good standing for 90 days.
Seacoast Bank: Personal Checking Account - $250 Bonus
Open a new eligible checking account. Use promo code CON300 at account opening. Set up and receive qualifying direct deposits totaling $500 within 90 days of account opening.
Community First Credit Union: Business Checking Account - $200 Bonus
Open a new Connections Business Checking account and earn $200 bonus. New members must open a share account with a minimum $5 initial deposit (share account is required for membership).
Community First Credit Union: Personal Checking Account - $200 Bonus
Open a new Community First Checking account. Use promo code FREECHECK at account opening. Make deposits totaling $1,000 or more within 90 days of account opening. Complete 10 or more qualifying debit card transactions within 90 days of account opening.
M&T Bank: Personal Checking Account - $200 Bonus
Open a new M&T MyChoice Premium Checking account. Make a total of at least $500 in qualifying direct deposits within 90 days of account opening.
Busey Bank: Personal Checking Account - $200 Bonus
Open a Foundation Checking account using promo code LevelUp1, or Pillar Banking account using promo code LevelUp2. Set up and receive qualifying direct deposits totaling $2,000 or more within 90 days of account opening. Use your Busey Debit Mastercard® at least 3 times within 90 days of account opening. Enroll in online banking.
TD Bank: Personal Checking Account - $200 Bonus
Open a new TD Complete Checking account and make $500 in qualifying direct deposits.
CIBC Bank: Personal Checking Account - $200 Bonus
Open a new CIBC iCan or myChoice Checking account. Deposit at least $500 at account opening. Set up and receive qualifying direct deposits or ACH transaction within 90 days of account opening. Enroll in eStatements and elect to receive eStatements through CIBC NetBanking.
Addition Financial: Personal Checking Account - $200 Bonus
Open a new Free Checking account. Set up and receive monthly qualifying direct deposits totaling $1,000 or more within 90 days of account opening.
MIDFLORIDA Credit Union: Personal Checking Account - $200 Bonus
Open a new Free Checking account. Set up and receive qualifying direct deposits totaling $500 or more within 60 days of account opening. Enroll in online banking and eStatements. Apply for a debit card and complete 5 debit card purchases, which must be posted in one calendar month. The debit card requirement must be done within 60 days of account opening.
M&T Bank: Personal Checking Account - $150 Bonus
Open a new M&T MyChoice Plus Checking account. Make a total of at least $500 in qualifying direct deposits within 90 days of account opening.
Chase Secure Banking℠ - $125 Bonus
- New Chase checking customers enjoy a $125 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.
- Unauthorized purchases on your debit card? Let us know right away. With Zero Liability Protection with Chase Secure Banking℠ we'll reimburse you for charges you didn't make.
- $0 Monthly Service Fee for customers age 17-24.
- Pay bills, cash checks and send or receive money with Zelle® with a Chase Secure Banking℠ account.
- Chase makes it easy for you to access your money from anywhere with the Chase Mobile® app, plus thousands of ATMs and branches.
- JPMorgan Chase Bank, N.A. Member FDIC.
iThink Financial: Personal Checking Account - $125 Bonus
Open a new qualifying checking account. Use promo code JOINCU at account opening. Set up and receive qualifying direct deposits totaling $1,000 or more within 90 calendar days of account opening.
PNC Bank: Virtual Wallet Checking - $100 Bonus
Open a new Virtual Wallet checking account and make qualified direct deposits totaling $500 or more within 60 days of account opening. Bonus will be awarded within 60-90 days of meeting the requirements.
Addition Financial: Personal Checking Account - $100 Bonus
Open a new Benefits Checking account. Within 60 days of account opening, set up and receive cumulative monthly deposit of at least $2,000, or complete 20 or more debit card transactions of at least $10 each per month.
Bank of America Advantage Banking - Up to $500 Cash Offer
- The cash offer up to $500 is an online only offer and must be opened through the Bank of America promotional page.
- The offer is for new checking customers only.
- Offer expires 05/31/2026.
- To qualify, open a new eligible Bank of America Advantage Banking account through the promotional page and set up and receive Qualifying Direct Deposits* into that new eligible account within 90 days of account opening. Your cash bonus amount will be based on the total amount of your Qualifying Direct Deposits received in the first 90 days.
Cash Bonus Total Qualifying Direct Deposits $100 $2,000 $300 $5,000 $500 $10,000+ - If all requirements are met 90 days after account opening, Bank of America will attempt to deposit your bonus into your new eligible account within 60 days.
- Bank of America Advantage SafeBalance Banking® for Family Banking accounts are not eligible for this offer.
- Additional terms and conditions apply. See offer page for more details.
- *A Qualifying Direct Deposit is a direct deposit of regular monthly income – such as your salary, pension or Social Security benefits, which are made by your employer or other payer – using account and routing numbers that you provide to them.
- Bank of America, N.A. Member FDIC.
HSBC Premier - Earn Up to $5,000
Discover all that Premier can do for you
- Earn our best savings rate with a Premier Relationship Savings account for an introductory period and thereafter if you qualify
- Send money internationally, securely, quickly and fee-free in the HSBC mobile app with our award-winning HSBC Global Money Transfers
- Enjoy peace of mind with unique travel benefits available through our credit cards
Here's how the offer works
- Open a Premier checking account by June 30, 2026
- Add your desired level of deposits and/or eligible investments within 20 days
- Get $1,500: Deposit or invest $150,000 to $249,999
- Get $2,500: Deposit or invest $250,000 to $499,999
- Get $3,500: Deposit or invest $500,000 to $999,999
- Get $5,000: Deposit or invest $1,000,000+
- Maintain your balances for 3 full consecutive months
- Remain opted-in to receive HSBC marketing emails
If all offer requirements are met, the bonus will be paid within 8 weeks.
Chase Total Checking® - $400 Bonus
- New Chase checking customers can receive $400 when you open a Chase Total Checking® account and make direct deposits totaling $1,000 or more within 90 days of coupon enrollment.
- Unlock more offers with Chase. Get up to $500 per calendar year by referring friends and family. Plus, get cash back from top brands with Chase Offers when you use your debit card.
- Chase Total Checking® has a $15 monthly service fee, you can easily avoid the fee with direct deposits totaling $500 or more, or a minimum average daily balance each statement period.
- 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*
- Chase Mobile® app makes banking simple. Manage accounts, pay bills, send money to friends with Zelle® and deposit checks on the go with Chase Quick Deposit℠.
- Chase has the largest branch network in the U.S. with thousands of ATMs and branches. Use the Chase locator tool to find a branch or ATM near you.
- Chase helps keep your money protected with features like Zero Liability Protection, fraud monitoring and card lock.
- Chase Total Checking includes FDIC insurance up to the maximum amount allowed by law.
Chase Secure Banking℠ - $125 Bonus
- New Chase checking customers enjoy a $125 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.
- Unauthorized purchases on your debit card? Let us know right away. With Zero Liability Protection with Chase Secure Banking℠ we'll reimburse you for charges you didn't make.
- $0 Monthly Service Fee for customers age 17-24.
- Pay bills, cash checks and send or receive money with Zelle® with a Chase Secure Banking℠ account.
- Chase makes it easy for you to access your money from anywhere with the Chase Mobile® app, plus thousands of ATMs and branches.
- JPMorgan Chase Bank, N.A. Member FDIC.
Most checking account bonuses range from $100 to $500, with anything above $300 considered a strong offer. The amount depends on the bank, the account type, and the requirements involved. Florida's moderate cost of living means a solid bonus can make a meaningful difference in your finances. And since Florida has no state income tax, you keep more of your bonus than residents in many other states.
Keep in mind that higher bonuses often come with stricter requirements like larger direct deposits or higher minimum balances — so weigh the bonus amount against what is realistic for your banking habits.
Frequently Asked Questions
What banks in Florida offer $500 bank bonus?
Several banks offer $500 or higher checking account bonus in Florida as of April 2026. Top offers include:
- Bank of America Advantage Banking:
Up to $500 Cash Offer - HSBC Premier:
Earn Up to $5,000 - Chase Business Complete Banking®:
Up to $500 Bonus - PNC Bank:
Business Checking Account - $1,000 Bonus - BMO:
Business Checking Account - $1,000 Bonus - Hancock Whitney Bank:
Business Checking Account - $500 Bonus - Central Bank:
Business Checking Account - $500 Bonus - Busey Bank:
Personal Checking Account - $500 Bonus - Flagstar Bank:
Personal Checking Account - $500 Bonus
Do I have to pay taxes on checking account bonuses?
Yes. The IRS treats checking account bonuses as interest income, and your bank will report the amount on a Form 1099-INT. You owe federal income tax on the bonus regardless of which state you live in.
Since Florida has no state income tax, you won't owe state taxes on the bonus, but you are still required to report it on your federal return.
How often can I get a checking account bonus from the same bank?
Many banks require you to wait 12–24 months after closing a previous account before you're eligible for a new customer bonus again. Requirements vary by bank.
What are the biggest banks in Florida?
The largest banks in Florida include Chase, Bank of America, Truist, Regions Bank, and Wells Fargo. Florida has no state income tax, making it an attractive market for banks competing for new customers with checking account bonuses.
Can you close your account after earning a checking bonus?
Many banks require you to keep the account open for 6 to 12 months after receiving the bonus. Closing too early may result in having to pay the bonus back.
The specific terms vary by bank and promotion, so always read the terms and conditions on the bank's website before signing up to understand the requirements.
How do you qualify for a checking account bonus?
Requirements vary by bank, but most bonuses require you to be a new customer (no account in the past 12–24 months), open a qualifying account with a minimum deposit, set up direct deposits within 60–90 days, and keep the account open for a set period.
Some bonuses are geotargeted, and Florida residents, especially in Miami, Tampa, Orlando, and Jacksonville, may see localized offers from regional and community banks competing for deposits. Always verify the specific terms of each offer, as qualification criteria differ between banks.
How can you avoid losing a checking account bonus?
The most common reasons people lose a bonus: closing the account too early, missing the direct deposit requirement, or blowing a deadline.
To protect yourself:
- Confirm your direct deposit source qualifies — some banks exclude Venmo or Zelle transfers.
- Meet all requirements within the stated timeframe.
- Keep the account open for at least the minimum period in the offer terms.
Note: This website is made possible through financial relationships with some of the products and services mentioned on this site. We may receive compensation if you shop through links in our content. You do not have to use our links, but you help support CreditDonkey if you do.
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