February 21, 2024

Best Bank Account Bonuses and Promotions (up to $3,000)

Our experts answer readers’ banking questions and write unbiased product reviews (here’s how we assess banking products). In some cases, we receive a commission from our partners; however, our opinions are our own. Terms apply to offers listed on this page.

We’ve gone through the best promotions among national, regional banks, and online banks, and selected our top picks for August 2023. Some of these are for personal checking and savings accounts, while others are for business accounts.

SoFi Checking and Savings


Annual Percentage Yield (APY)

up to 4.40% with direct deposit


Minimum Deposit Amount

$0


Fees

$0 monthly service fee

SoFi Checking and Savings


Annual Percentage Yield (APY)

up to 4.40% with direct deposit


Minimum Deposit Amount

$0


Fees

$0 monthly service fee

Chase Private Client Checking℠

4.25/5

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Annual Percentage Yield (APY)

0.01% as of 06/30/2023


Minimum Deposit Amount

None


Fees

$35 monthly service fee

Chase Private Client Checking℠

4.25/5

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Annual Percentage Yield (APY)

0.01% as of 06/30/2023


Minimum Deposit Amount

None


Fees

$35 monthly service fee


Chase Private Client Checking℠

Chase Private Client Checking℠ could be a good fit if you want access to a Chase Private Banker, Business Relationship Manager, and discounts on auto and home loans. But if you don’t have at least $150,000 in a combination of your accounts, you won’t qualify to open an account or to waive the monthly fee.

Details


Fees

$35 monthly service fee


Annual Percentage Yield (APY)

0.01% as of 06/30/2023

The Annual Percentage Yield (APY), for Chase Private Client Checking℠ effective as of 6/30/2023 is 0.01% for all balances in all states. Interest rates are variable and subject to change. Additionally, fees may reduce earnings on the account.

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Minimum Deposit Amount

None

Pros & Cons
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Citi Citigold® Checking Account

Citigold® Checking Account

4.25/5

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Annual Percentage Yield (APY)

None


Minimum Deposit Amount

$200,000


Fees

See website for details

Citi Citigold® Checking Account

Citigold® Checking Account

4.25/5

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Annual Percentage Yield (APY)

None


Minimum Deposit Amount

$200,000


Fees

See website for details


Citigold® Checking Account

Citi® could be a good option if you live in one of the 42 states that offers Citi® Accelerate Savings because it pays a high interest rate. Citi® is also notably featured in our guides for best low credit score mortgage lenders and best credit cards.

Details


Fees

See website for details


Annual Percentage Yield (APY)

None


Minimum Deposit Amount

$200,000

Pros & Cons
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Highlights
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Additional Reading
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Citi Citi Priority

Citi Priority

3.5/5

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Annual Percentage Yield (APY)

None


Minimum Deposit Amount

$0


Fees

See website for details

Citi Citi Priority

Citi Priority

3.5/5

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Annual Percentage Yield (APY)

None


Minimum Deposit Amount

$0


Fees

See website for details


Citi Priority

Citi® could be a good option if you live in one of the 42 states that offers Citi® Accelerate Savings because it pays a high interest rate. Citi® is also notably featured in our guides for best low credit score mortgage lenders and best credit cards.

Details


Fees

See website for details


Annual Percentage Yield (APY)

None


Minimum Deposit Amount

$0

Pros & Cons
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Highlights
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Huntington Bank Huntington Bank Unlimited Plus Business Checking

Huntington Bank Unlimited Plus Business Checking

3.75/5

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Annual Percentage Yield (APY)

None


Minimum Deposit Amount

None


Fees

$40 monthly service fee

Huntington Bank Huntington Bank Unlimited Plus Business Checking

Huntington Bank Unlimited Plus Business Checking

3.75/5

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Annual Percentage Yield (APY)

None


Minimum Deposit Amount

None


Fees

$40 monthly service fee

Huntington Bank, FDIC Insured


Huntington Bank Unlimited Plus Business Checking

Huntington Bank is a good option if you live near a branch and prefer in-person banking.

Details


Fees

$40 monthly service fee


Annual Percentage Yield (APY)

None


Minimum Deposit Amount

None

Pros & Cons
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Highlights
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U.S. Bank Silver Business Checking Package

3.75/5

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Annual Percentage Yield (APY)

None


Minimum Deposit Amount

$100


Fees

no monthly maintenance fee

U.S. Bank Silver Business Checking Package

3.75/5

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Annual Percentage Yield (APY)

None


Minimum Deposit Amount

$100


Fees

no monthly maintenance fee


U.S. Bank Silver Business Checking Package

U.S. Bank might be ideal if you’d like to open a business checking account with a brick-and-mortar financial institution that offers 24/7 customer support.

Details


Fees

no monthly maintenance fee


Annual Percentage Yield (APY)

None


Minimum Deposit Amount

$100

Pros & Cons
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Highlights
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Additional Reading
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Huntington Bank Huntington Bank Platinum Perks Checking

Huntington Bank Platinum Perks Checking

3.5/5

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Annual Percentage Yield (APY)

0.03%


Minimum Deposit Amount

$0


Fees

$25 monthly service fee (with option to waive)

Huntington Bank Huntington Bank Platinum Perks Checking

Huntington Bank Platinum Perks Checking

3.5/5

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Annual Percentage Yield (APY)

0.03%


Minimum Deposit Amount

$0


Fees

$25 monthly service fee (with option to waive)

Huntington Bank, FDIC Insured


Huntington Bank Platinum Perks Checking

Huntington Bank is a good option if you live near a branch and prefer in-person banking.

Details


Fees

$25 monthly service fee (with option to waive)


Annual Percentage Yield (APY)

0.03%


Minimum Deposit Amount

$0

Pros & Cons
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Highlights
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PNC Bank PNC Treasury Enterprise Plan

PNC Treasury Enterprise Plan

4/5

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Annual Percentage Yield (APY)

N/A


Minimum Deposit Amount

$100


Fees

$50 monthly maintenance fee

PNC Bank PNC Treasury Enterprise Plan

PNC Treasury Enterprise Plan

4/5

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Annual Percentage Yield (APY)

N/A


Minimum Deposit Amount

$100


Fees

$50 monthly maintenance fee


PNC Treasury Enterprise Plan

PNC Bank’s strongest products are its digital accounts, but your options will depend on where you live.

Details


Fees

$50 monthly maintenance fee


Annual Percentage Yield (APY)

N/A


Minimum Deposit Amount

$100

Pros & Cons
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Highlights
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PNC Bank PNC Analysis Business Checking

PNC Analysis Business Checking

3.75/5

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Annual Percentage Yield (APY)

N/A


Minimum Deposit Amount

$100


Fees

$25 monthly maintenance fee

PNC Bank PNC Analysis Business Checking

PNC Analysis Business Checking

3.75/5

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Annual Percentage Yield (APY)

N/A


Minimum Deposit Amount

$100


Fees

$25 monthly maintenance fee


PNC Analysis Business Checking

PNC Bank’s strongest products are its digital accounts, but your options will depend on where you live.

Details


Fees

$25 monthly maintenance fee


Annual Percentage Yield (APY)

N/A


Minimum Deposit Amount

$100

Pros & Cons
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Highlights
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BMO Harris BMO Harris Premier Account

BMO Harris Premier Account

4/5

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Annual Percentage Yield (APY)

0.01%


Minimum Deposit Amount

$25


Fees

$25 monthly service fee

BMO Harris BMO Harris Premier Account

BMO Harris Premier Account

4/5

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Annual Percentage Yield (APY)

0.01%


Minimum Deposit Amount

$25


Fees

$25 monthly service fee


BMO Harris Premier Account

BMO Harris is a solid option if you want to bank in person, but the best online banks pay better interest rates and have lower minimum deposits.

Details


Fees

$25 monthly service fee


Annual Percentage Yield (APY)

0.01%


Minimum Deposit Amount

$25

Pros & Cons
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Highlights
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Chase Chase Business Complete Checking

Chase Business Complete Checking

3/5

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Annual Percentage Yield (APY)

None


Minimum Deposit Amount

None


Fees

$15 monthly service fee

Chase Chase Business Complete Checking

Chase Business Complete Checking

3/5

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Annual Percentage Yield (APY)

None


Minimum Deposit Amount

None


Fees

$15 monthly service fee

JPMorgan Chase Bank, FDIC Insured


Chase Business Complete Checking

You may prefer Chase to other banks if you like a nationwide branch and ATM network. Chase is listed in our guides for best national banks, best credit cards, and best mortgage lenders. Other financial institutions pay higher interest rates on savings accounts, though.

Details


Fees

$15 monthly service fee


Annual Percentage Yield (APY)

None


Minimum Deposit Amount

None

Pros & Cons
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Highlights
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U.S. Bank Smartly® Checking

4/5

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Annual Percentage Yield (APY)

See site for details


Minimum Deposit Amount

$25


Fees

$6.95 monthly service fee

U.S. Bank Smartly® Checking

4/5

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Annual Percentage Yield (APY)

See site for details


Minimum Deposit Amount

$25


Fees

$6.95 monthly service fee


U.S. Bank Smartly® Checking

U.S. Bank is included in our best national banks guide as the best national bank in the Midwest and West. It’s a good choice if you want a brick-and-mortar bank with 24/7 live support. It also has a variety of credit card and lending options, and you can earn significant welcome bonuses when you open checking and savings accounts.

Details


Fees

$6.95 monthly service fee


Annual Percentage Yield (APY)

See site for details


Minimum Deposit Amount

$25

Pros & Cons
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Highlights
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Additional Reading
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U.S. Bank Standard Savings Account

3.5/5

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Annual Percentage Yield (APY)

0.01%


Minimum Deposit Amount

$25


Fees

$4 monthly service fee

U.S. Bank Standard Savings Account

3.5/5

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Annual Percentage Yield (APY)

0.01%


Minimum Deposit Amount

$25


Fees

$4 monthly service fee


U.S. Bank Standard Savings Account

U.S. Bank is included in our best national banks guide as the best national bank in the Midwest and West. It’s a good choice if you want a brick-and-mortar bank with 24/7 live support. It also has a variety of credit card and lending options, and you can earn significant welcome bonuses when you open checking and savings accounts.

Details


Fees

$4 monthly service fee


Annual Percentage Yield (APY)

0.01%


Minimum Deposit Amount

$25

Pros & Cons
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Highlights
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Additional Reading
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Huntington Bank Huntington Bank Perks Checking

Huntington Bank Perks Checking

4/5

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Annual Percentage Yield (APY)

0.02%


Minimum Deposit Amount

$0


Fees

$10 monthly service fee (with options to waive)

Huntington Bank Huntington Bank Perks Checking

Huntington Bank Perks Checking

4/5

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Annual Percentage Yield (APY)

0.02%


Minimum Deposit Amount

$0


Fees

$10 monthly service fee (with options to waive)

Huntington Bank, Member FDIC


Huntington Bank Perks Checking

Huntington Bank is a good option if you live near a branch and prefer in-person banking.

Details


Fees

$10 monthly service fee (with options to waive)


Annual Percentage Yield (APY)

0.02%


Minimum Deposit Amount

$0

Pros & Cons
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Highlights
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Huntington Bank Huntington Bank Unlimited Business Checking

Huntington Bank Unlimited Business Checking

4/5

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Annual Percentage Yield (APY)

None


Minimum Deposit Amount

None


Fees

$20 monthly service fee

Huntington Bank Huntington Bank Unlimited Business Checking

Huntington Bank Unlimited Business Checking

4/5

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Annual Percentage Yield (APY)

None


Minimum Deposit Amount

None


Fees

$20 monthly service fee

Huntington Bank, FDIC Insured


Huntington Bank Unlimited Business Checking

Huntington Bank is a good option if you live near a branch and prefer in-person banking.

Details


Fees

$20 monthly service fee


Annual Percentage Yield (APY)

None


Minimum Deposit Amount

None

Pros & Cons
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PNC Bank Virtual Wallet®

4.25/5

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Annual Percentage Yield (APY)

0.01%


Minimum Deposit Amount

$0 or $25


Fees

$7, $15, or $25 monthly service fee

PNC Bank Virtual Wallet®

4.25/5

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Annual Percentage Yield (APY)

0.01%


Minimum Deposit Amount

$0 or $25


Fees

$7, $15, or $25 monthly service fee


PNC Bank Virtual Wallet®

PNC Bank’s strongest products are its digital accounts, but your options will depend on where you live.

Details


Fees

$7, $15, or $25 monthly service fee


Annual Percentage Yield (APY)

0.01%

Rates and APYs may vary in different PNC Bank markets and may change after account opening.

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Minimum Deposit Amount

$0 or $25

Pros & Cons
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BMO Harris BMO Harris Smart Advantage Checking Account

BMO Harris Smart Advantage Checking Account

3.75/5

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Annual Percentage Yield (APY)

None


Minimum Deposit Amount

$25


Fees

no monthly service fee

BMO Harris BMO Harris Smart Advantage Checking Account

BMO Harris Smart Advantage Checking Account

3.75/5

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Annual Percentage Yield (APY)

None


Minimum Deposit Amount

$25


Fees

no monthly service fee

On BMO Harris’s site. BMO Harris, FDIC Insured


BMO Harris Smart Advantage Checking Account

BMO Harris is a solid option if you want to bank in person, but the best online banks pay better interest rates and have lower minimum deposits.

Details


Fees

no monthly service fee


Annual Percentage Yield (APY)

None


Minimum Deposit Amount

$25

Pros & Cons
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Nationwide Business Premium Savings

4/5

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Annual Percentage Yield (APY)

up to 4.01%


Minimum Deposit Amount

$25,000


Fees

no monthly service fee

Nationwide Business Premium Savings

4/5

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Annual Percentage Yield (APY)

up to 4.01%


Minimum Deposit Amount

$25,000


Fees

no monthly service fee

On Axos Bank – Nationwide’s website


Nationwide Business Premium Savings

Axos has strong high-yield savings, checking, and money market accounts. if you’d like to avoid monthly service fees. But you can find higher interest rates at some of the best online banks.

Details


Fees

no monthly service fee


Annual Percentage Yield (APY)

up to 4.01%


Minimum Deposit Amount

$25,000

Pros & Cons
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BMO BMO Harris Smart Money

BMO Harris Smart Money

4/5

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Annual Percentage Yield (APY)

N/A


Minimum Deposit Amount

$25


Fees

$5 monthly service fee if you are over 25

BMO BMO Harris Smart Money

BMO Harris Smart Money

4/5

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Annual Percentage Yield (APY)

N/A


Minimum Deposit Amount

$25


Fees

$5 monthly service fee if you are over 25


BMO Harris Smart Money

BMO Harris is a solid option if you want to bank in person, but the best online banks pay better interest rates and have lower minimum deposits.

Details


Fees

$5 monthly service fee if you are over 25


Annual Percentage Yield (APY)

N/A


Minimum Deposit Amount

$25

Pros & Cons
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TD Bank TD Bank Beyond Checking Account

TD Bank Beyond Checking Account

4/5

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Annual Percentage Yield (APY)

0.01%


Minimum Deposit Amount

$0


Fees

$25 monthly service fee

TD Bank TD Bank Beyond Checking Account

TD Bank Beyond Checking Account

4/5

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Annual Percentage Yield (APY)

0.01%


Minimum Deposit Amount

$0


Fees

$25 monthly service fee


TD Bank Beyond Checking Account

You might like one of TD Bank’s three primary checking accounts if you prefer banking face-to-face and live near a branch along the East Coast.

Details


Fees

$25 monthly service fee


Annual Percentage Yield (APY)

0.01%


Minimum Deposit Amount

$0

Pros & Cons
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Laurel Road Linked Checking℠

3.5/5

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Annual Percentage Yield (APY)

0.01%


Minimum Deposit Amount

$0


Fees

no monthly service fee

Laurel Road Linked Checking℠

3.5/5

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Annual Percentage Yield (APY)

0.01%


Minimum Deposit Amount

$0


Fees

no monthly service fee


Laurel Road Linked Checking℠

Laurel Road has one of the best high-yield savings accounts right now. It also might be a good fit if you want an online bank account that offers discounts for student loan refinancing. Just keep in mind that when you refinance student loans with a private lender, you lose any benefits or protections you may have had with federal student loans.

Details


Fees

no monthly service fee


Annual Percentage Yield (APY)

0.01%


Minimum Deposit Amount

$0

Pros & Cons
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Laurel Road Loyalty Checking Account

3.5/5

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Annual Percentage Yield (APY)

0.01%


Minimum Deposit Amount

$0


Fees

no monthly service fee

Laurel Road Loyalty Checking Account

3.5/5

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Annual Percentage Yield (APY)

0.01%


Minimum Deposit Amount

$0


Fees

no monthly service fee


Laurel Road Loyalty Checking Account

Laurel Road has one of the best high-yield savings accounts right now. It also might be a good fit if you want an online bank account that offers discounts for student loan refinancing. Just keep in mind that when you refinance student loans with a private lender, you lose any benefits or protections you may have had with federal student loans.

Details


Fees

no monthly service fee


Annual Percentage Yield (APY)

0.01%


Minimum Deposit Amount

$0

Pros & Cons
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Wells Fargo Wells Fargo Everyday Checking Account

Wells Fargo Everyday Checking Account

3.25/5

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Annual Percentage Yield (APY)

None


Minimum Deposit Amount

$25


Fees

$10 monthly service fee

Wells Fargo Wells Fargo Everyday Checking Account

Wells Fargo Everyday Checking Account

3.25/5

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Annual Percentage Yield (APY)

None


Minimum Deposit Amount

$25


Fees

$10 monthly service fee


Wells Fargo Everyday Checking Account

Wells Fargo is a solid choice if you’re looking for a brick-and-mortar bank with a national presence. It also offers some of the best checking and savings account bonuses out there for opening new accounts. But to earn high savings rates, you’ll want to look elsewhere.

Details


Fees

$10 monthly service fee


Annual Percentage Yield (APY)

None


Minimum Deposit Amount

$25

Pros & Cons
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SoFi Checking and Savings

4.25/5

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Annual Percentage Yield (APY)

up to 4.40% with direct deposit


Minimum Deposit Amount

$0


Fees

$0 monthly service fee

SoFi Checking and Savings

4.25/5

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Annual Percentage Yield (APY)

up to 4.40% with direct deposit


Minimum Deposit Amount

$0


Fees

$0 monthly service fee


SoFi Checking and Savings

SoFi Checking and Savings is a great account option if you don’t mind keeping your savings and checking in one account.

Details


Fees

$0 monthly service fee


Annual Percentage Yield (APY)

up to 4.40% with direct deposit

SoFi members with direct deposit can earn up to 4.40% annual percentage yield (APY) on savings balances (including Vaults) and 0.50% APY on checking balances. There is no minimum direct deposit amount required to qualify for the 4.40% APY for savings. Members without direct deposit will earn up to 1.20% annual percentage yield (APY) on savings balances (including Vaults) and 0.50% APY on checking balances. Interest rates are variable and subject to change at any time. These rates are current as of 7/11/2023. There is no minimum balance requirement. Additional information can be found at

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Minimum Deposit Amount

$0

Pros & Cons
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Bank of America Bank of America Business Fundamentals Checking

Bank of America Business Fundamentals Checking

3/5

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Annual Percentage Yield (APY)

None


Minimum Deposit Amount

$100


Fees

$16 monthly service fee

Bank of America Bank of America Business Fundamentals Checking

Bank of America Business Fundamentals Checking

3/5

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Annual Percentage Yield (APY)

None


Minimum Deposit Amount

$100


Fees

$16 monthly service fee

Bank of America, FDIC Insured


Bank of America Business Fundamentals Checking

Bank of America is a worthwhile option if you want a bank with a large national presence that makes it relatively easy to waive monthly fees.

Details


Fees

$16 monthly service fee


Annual Percentage Yield (APY)

None


Minimum Deposit Amount

$100

Pros & Cons
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Highlights
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PNC Bank PNC Business Checking

PNC Business Checking

3.5/5

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Annual Percentage Yield (APY)

N/A


Minimum Deposit Amount

$100


Fees

$12 monthly service fee

PNC Bank PNC Business Checking

PNC Business Checking

3.5/5

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Annual Percentage Yield (APY)

N/A


Minimum Deposit Amount

$100


Fees

$12 monthly service fee


PNC Business Checking

PNC Bank’s strongest products are its digital accounts, but your options will depend on where you live. The best online banks include features like high savings rates, early direct deposit, and no monthly fees.

Details


Fees

$12 monthly service fee


Annual Percentage Yield (APY)

N/A


Minimum Deposit Amount

$100

Pros & Cons
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PNC Bank PNC Business Checking Plus

PNC Business Checking Plus

3.75/5

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Annual Percentage Yield (APY)

N/A


Minimum Deposit Amount

$100


Fees

$22 monthly service fee

PNC Bank PNC Business Checking Plus

PNC Business Checking Plus

3.75/5

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Annual Percentage Yield (APY)

N/A


Minimum Deposit Amount

$100


Fees

$22 monthly service fee


PNC Business Checking Plus

PNC Bank’s strongest products are its digital accounts, but your options will depend on where you live. The best online banks include features like high savings rates, early direct deposit, and no monthly fees

Details


Fees

$22 monthly service fee


Annual Percentage Yield (APY)

N/A


Minimum Deposit Amount

$100

Pros & Cons
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Chase Total Checking®

3.5/5

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Annual Percentage Yield (APY)

None


Minimum Deposit Amount

$0


Fees

$12 monthly service fee

Chase Total Checking®

3.5/5

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Annual Percentage Yield (APY)

None


Minimum Deposit Amount

$0


Fees

$12 monthly service fee


Chase Total Checking®

There are several Chase checking accounts, and Chase Total Checking® is the bank’s most popular choice. It offers several ways to waive the monthly fee, and you may qualify for a $200 bank account bonus. But if you want perks like early direct deposit or waived out-of-network ATM fees, one of Chase’s other options could be a better fit.

Details


Fees

$12 monthly service fee


Annual Percentage Yield (APY)

None


Minimum Deposit Amount

$0

Pros & Cons
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PNC Virtual Wallet Checking Pro

4.5/5

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Annual Percentage Yield (APY)

4.50% on Virtual Wallet Checking Pro Growth account


Minimum Deposit Amount

$0


Fees

no monthly service fee

PNC Virtual Wallet Checking Pro

4.5/5

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Annual Percentage Yield (APY)

4.50% on Virtual Wallet Checking Pro Growth account


Minimum Deposit Amount

$0


Fees

no monthly service fee


PNC Virtual Wallet Checking Pro

PNC Bank’s strongest products are its digital accounts, but your options will depend on where you live. The best online banks include features like high savings rates, early direct deposit, and no monthly fees.

Details


Fees

no monthly service fee


Annual Percentage Yield (APY)

4.50% on Virtual Wallet Checking Pro Growth account

Rates and APYs may vary in different PNC Bank markets and may change after account opening.

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Minimum Deposit Amount

$0

Pros & Cons
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TD Bank TD Bank Convenience Checking Account

TD Bank Convenience Checking Account

4/5

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Annual Percentage Yield (APY)

None


Minimum Deposit Amount

$0


Fees

$15 monthly service fee

TD Bank TD Bank Convenience Checking Account

TD Bank Convenience Checking Account

4/5

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Annual Percentage Yield (APY)

None


Minimum Deposit Amount

$0


Fees

$15 monthly service fee


TD Bank Convenience Checking Account

You might like one of TD Bank’s three primary checking accounts if you prefer banking face-to-face and live near a branch along the East Coast.

Details


Fees

$15 monthly service fee


Annual Percentage Yield (APY)

None


Minimum Deposit Amount

$0

Pros & Cons
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M&T Bank M&T Bank EZChoice Checking

M&T Bank EZChoice Checking

4/5

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Annual Percentage Yield (APY)

N/A


Minimum Deposit Amount

$25

M&T Bank M&T Bank EZChoice Checking

M&T Bank EZChoice Checking

4/5

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Annual Percentage Yield (APY)

N/A


Minimum Deposit Amount

$25

On M&T Bank’s site. M&T Bank, FDIC Insured


M&T Bank EZChoice Checking

M&T Bank is a solid option if you live near a branch and prefer in-person banking to online banking. It also offers CDs with fixed and variable rates.

Details


Annual Percentage Yield (APY)

N/A


Minimum Deposit Amount

$25

Pros & Cons
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M&T Bank M&T Bank MyChoice Plus Checking

M&T Bank MyChoice Plus Checking

4/5

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Annual Percentage Yield (APY)

N/A


Minimum Deposit Amount

$25


Fees

$14.95 monthly service fee

M&T Bank M&T Bank MyChoice Plus Checking

M&T Bank MyChoice Plus Checking

4/5

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Annual Percentage Yield (APY)

N/A


Minimum Deposit Amount

$25


Fees

$14.95 monthly service fee


M&T Bank MyChoice Plus Checking

M&T Bank is a solid option if you live near a branch and prefer in-person banking to online banking. It also offers CDs with fixed and variable rates.

Details


Fees

$14.95 monthly service fee


Annual Percentage Yield (APY)

N/A


Minimum Deposit Amount

$25

Pros & Cons
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