Boost Your Bank Balance with These Limited-Time Offers
The recent reduction in federal funds rate may have marked the end of record-high interest rates for interest-bearing deposit accounts, but there’s still hope for savers. Many banks and credit unions are offering limited-time cash bonuses for opening new accounts and meeting certain requirements. Here’s a roundup of personal bank account bonuses you may want to consider:
Bank of America: $300 Bonus
Open an eligible personal checking account (Advantage SafeBalance Banking, Bank of America Advantage Plus Banking, or Bank of America Advantage Relationship Banking) using the offer code LHR300CIS by January 31, 2025. Set up and receive qualifying direct deposits totaling $2,000 or more into your account within 90 days of account opening to receive your bonus within 60 days.
BMO Bank: $300 Cash Bonus
Earn a $300 cash bonus by opening a Smart Advantage or Smart Money checking account and having at least $4,000 in qualifying direct deposits within the first 90 days. This offer is available through February 3, 2025.
Chase: Up to $3,000 Bonus
Open or upgrade to a new Chase Private Client Checking account by January 22, 2025, and fund your account by transferring a total of $150,000 or more in qualifying new money or securities to an eligible account within 45 days. Your bonus amount is determined by your balance, ranging from $1,000 to $3,000. Keep the money in your account for 90 days, and your bonus will be deposited within 40 days.
Chase: $100 Bonus
New Chase checking customers can qualify for a $100 bonus by opening a Secure Banking account by January 22, 2025, and completing 10 qualifying transactions within 60 days of coupon enrollment.
Chase: $300 Bonus
Open a Chase Total Checking account and make direct deposits totaling $500 or more within 90 days of coupon enrollment to qualify for a $300 bonus. This offer is available through January 22, 2025.
Citi: $325 Cash Bonus
New Citi checking customers who enroll in enhanced direct deposits can earn a $325 cash bonus. Receive at least two enhanced direct deposits into your new checking account totaling $3,000 or more within 90 days of opening your account to qualify. Your bonus will be deposited as a credit within 30 calendar days.
Discover: Up to $200 Bonus
First-time savings customers can earn a bonus of up to $200 by opening a new online savings account using the offer code GBPE924. Deposit at least $15,000 within 45 days of account open date to earn a $150 bonus or deposit at least $25,000 within 45 days to earn a $200 bonus. The bonus will be credited to the account within 60 days.
Fifth Third Bank: $400 Bonus
Open a qualifying checking account and make direct deposits totaling $500 or more within 90 days of account opening to earn a $400 bonus. This offer is available through March 31, 2025.
Huntington National Bank: Up to $600 Bonus
Open a new checking account and set up and receive a qualifying direct deposit of at least $500 within 90 days of account opening to qualify for one of two bonus tiers: $200 for an Asterisk-Free Checking account, $400 for a Perks Checking account, or $600 for a Platinum Perks checking account. You must keep your account open for 90 days to earn a bonus.
Key Bank: $300 Bonus
Open a Key Smart Checking account online using the code KDSA1224 and make one eligible direct deposit of $1,000 or more within 60 days of account opening to qualify for a $300 bonus. Your bonus will be deposited into your account within 60 days of meeting the requirements.
PNC Bank: Up to $400 Bonus
Open a Virtual Wallet product online and receive a qualifying direct deposit(s) within the first 60 days to earn a bonus of up to $400. The bonus is tiered based on the Virtual Wallet type and qualifying activities.
SoFi: Up to $300 Bonus
Open a new SoFi online bank account and receive at least one direct deposit to qualify for a bonus of up to $300. The amount of your deposit will determine the bonus you will receive, ranging from $50 to $300. Once these requirements have been met, account holders will receive their bonus within seven business days.
TD Bank: Up to $300 Bonus
Open a new checking account and have $2,500 in qualifying direct deposits posted to the account within 60 days to earn a bonus of up to $300. New TD Complete Checking customers must have $500 in qualifying direct deposits post to the account within 60 days to qualify for a $200 bonus.
TD Bank: Up to $200 Bonus
Open a new savings account and deposit at least $10,000 within the first 20 days and maintain at least a $10,000 balance for 90 additional days from the 20th day after account opening to earn a bonus of up to $200. Bonuses are paid within 180 days of account opening.
U.S. Bank: Up to $450 Bonus
Open a new U.S. Bank Smartly Checking account and deposit $25 into your account within 30 days. Then, within 90 days of account opening, enroll in online banking or the U.S. Bank mobile app and make at least two direct deposits to earn a bonus of up to $450.
Wells Fargo: $300 Bonus
New checking account customers can qualify for a bonus of $300 by opening a new Everyday Checking account online or in a branch with a minimum opening deposit of $25. You must receive a total of $1,000 or more in qualifying electronic deposits to your account within 90 calendar days of account opening to qualify. Once these qualifications are met, your bonus will be deposited into your new checking account within 30 days.
Remember to always verify account and bonus requirements directly with the financial institution before opening an account.
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