10 Best Bank Bonuses and Promotions of September 2021

Ruth SarrealSep 1, 2021

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Bank promotions consist of cash bonuses when you open a new checking or savings account. To qualify for this one-time perk, you’ll likely have to set up direct deposit with the bank and keep the account open for at least a few months.

Why you can trust NerdWallet: Our writers and editors follow strict editorial guidelines to make sure our coverage is fair and accurate, so you can choose the financial accounts that work best for you. See our criteria for evaluating banks and credit unions.

For more sustained earnings on balances, consider one of NerdWallet’s best high-yield online savings accounts. These accounts are free and have annual percentage yields around 0.40%. (The national average for savings accounts is just 0.06%.) A $10,000 balance would earn about $40 per year with one of these accounts.

Here are more details on NerdWallet’s favorite bonuses this month. Some banks have looser rules than others; we’ve outlined those requirements below. Scroll down for more specific details on each bonus.

Citi Priority Checking
NerdWallet rating 

at Citibank, N.A., Member FDIC

Citi Priority Account: Up to $1,500 cash bonus offer

  • Expires Oct. 4, 2021.

  • Direct deposit required: No.

  • Minimum balance required to avoid fees: $50,000.

Discover Bank Online Savings
NerdWallet rating 

at Discover Bank, Member FDIC

Discover Online Savings Account: $150 or $200 bonus offer

  • Expires Dec. 15, 2021.

  • Direct deposit required: No.

  • Minimum deposit required: $15,000 or $25,000 within 30 days.

Chase Total Checking®
NerdWallet rating 

at Chase, Member FDIC

Chase Total Checking®: $225 bonus offer

  • Expires Oct. 18, 2021.

  • Direct deposit required: Yes.

  • Minimum deposit required: None.

Chase Secure Banking℠
NerdWallet rating 

at Chase, Member FDIC

Chase Secure Banking℠: $100 bonus offer

  • Expires Oct. 18, 2021.

  • Direct deposit required: No.

  • Minimum deposit required: None.

TD Bank TD Convenience Checking℠
NerdWallet rating 

at TD Bank, Member FDIC

TD Bank checking: $150 or $300 bonus offer

  • Expires Nov. 30, 2021.

  • Direct deposit required: Yes.

  • Minimum deposit required: $500 or $2,500, depending on account, within 60 days.

Huntington National Bank Asterisk-Free Checking®
NerdWallet rating 
Read review

Huntington Bank checking: $150 or $200 bonus offer

  • Expires Oct. 7, 2021.

  • Direct deposit required: No.

  • Minimum deposit required: $1,000 within 60 days.

BMO Harris Bank Smart Advantage™ Account
NerdWallet rating 
Read review

BMO Harris checking: $300 or $500 bonus offer

  • Expires Sept. 30, 2021.

  • Direct deposit required: Yes.

  • Minimum deposit required: $4,000 or $7,500 within 90 days, plus $25 to open.

Alliant Credit Union Ultimate Opportunity Savings Account
NerdWallet rating 
Read review

Alliant Credit Union The Ultimate Opportunity Savings: $100 bonus offer

  • Expires Dec. 31, 2021.

  • Direct deposit required: No.

  • Minimum deposit required: $1,200 over 12 consecutive months.

Bank of America Advantage Plus Banking®
NerdWallet rating 
Read review

Bank of America Advantage Banking: $100 bonus offer

  • Expires Dec. 31, 2021.

  • Direct deposit required: Yes.

  • Minimum deposit required: See offer page for more details.

PNC Virtual Wallet Spend
NerdWallet rating 
Read review

PNC Bank Virtual Wallet: Up to $300 bonus offer

  • Expires Sept. 30, 2021.

  • Direct deposit required: Yes.

  • Minimum deposit required: $500, $2,000 or $5,000 within 60 days.

» Looking for a business banking bonus? Click here for our favorite business bonus this month

If you’re set on securing a bank bonus, keep in mind that chasing promotions may cost you in the long run if you’re unable to avoid monthly fees. (Check out a few other bonus-related pitfalls to be aware of.) But as long as you do your homework, bank promotions can be an excellent way to make extra cash.

Citi Priority Account: Up to $1,500 cash bonus offer

Citi Priority Checking
NerdWallet rating 

at Citibank, N.A., Member FDIC

  • What you'll get: $300, $700 or $1,500.

  • Expiration: Oct. 4, 2021.

  • How to get it: Open a Citi Priority Checking Account and deposit and maintain a minimum balance of $50,000. Your balance on the 20th day will determine your bonus earning and must be maintained for an additional 60 consecutive days. Funds must be new to Citibank®. Your account must be open and in good standing to receive the bonus.

  • Where to open: Online.

  • Who can qualify: You must not have had a checking account with Citibank for the last 180 days to take advantage of the offer.

  • When you’ll get it: You’ll receive the bonus within 90 days of meeting the requirements.

  • Monthly fee: $30, waived with a monthly average balance of at least $50,000 across eligible linked accounts.

Discover Online Savings Account: $150 or $200 bonus offer

Discover Bank Online Savings
NerdWallet rating 

at Discover Bank, Member FDIC

  • What you'll get: $150 or $200.

  • Expiration: Dec. 15, 2021.

  • How to get it: Open your first Online Savings Account and use offer code NW21 when applying. Earn a $150 bonus by depositing at least $15,000 or earn a $200 bonus by depositing at least $25,000. Make your deposit within 30 days of account open date. Your account must be open to receive the bonus.

  • Where to open: Online or by phone.

  • Who can qualify: First Discover Online Savings Accounts only. People who have a savings account or previously had a savings account, including co-branded or affinity accounts provided by Discover, are not eligible.

  • When you’ll get it: The bonus will be credited to your account within 30 days of meeting the requirements.

  • Monthly fee: $0.

Details on bonus from Discover: "To get your $150 or $200 Bonus: What to do: Apply for your first Discover Online Savings Account, online or by phone. Enter Offer Code NW21 when applying. Deposit into your account a total of at least $15,000 to earn a $150 Bonus or deposit a total of at least $25,000 to earn a $200 Bonus. Deposit must be posted to account within 30 days of account open date. Maximum bonus eligibility is $200.

What to know: Offer not valid for existing or prior Discover savings customers or existing or prior customers with savings accounts that are co-branded, or affinity accounts provided by Discover. Eligibility is based on primary account owner. Account must be open when bonus is credited. Bonus will be credited to the account within 30 days of the account qualifying for the bonus. Bonus is interest and subject to reporting on Form 1099-INT. Offer ends 12/15/21, 11:59 PM ET. Offer may be modified or withdrawn without notice."

Chase Total Checking®: $225 bonus offer

Chase Total Checking®
NerdWallet rating 

at Chase, Member FDIC

  • What you'll get: $225.

  • Expiration: Oct. 18, 2021.

  • How to get it: Open a Chase Total Checking® account online or in person using a coupon emailed to you through the promotional page. You must have a qualifying direct deposit into the account within 90 days of opening the account. The account must remain open for six months or the bonus will be deducted at account closing.

  • Where to open: The account can be opened online or at a Chase branch (find a location near you).

  • Who can qualify: You must not have had a Chase checking account within the last 90 days or had one closed with a negative balance. In addition, you may receive only one new checking account opening bonus every two years from the last enrollment date, and you’re limited to one bonus per account.

  • When you’ll get it: The bonus will be deposited into your account within 15 days after your first direct deposit.

  • Monthly fee: $12, avoided by having monthly direct deposits of $500 or more, a minimum daily balance of $1,500, or keeping a daily average balance of $5,000 in your Chase Total Checking® and qualifying linked Chase bank accounts.

» Want to see how Chase stacks up? Read NerdWallet’s review of Chase Bank

Chase Secure Banking℠: $100 bonus offer

Chase Secure Banking℠
NerdWallet rating 

at Chase, Member FDIC

  • What you'll get: $100.

  • Expiration: Oct. 18, 2021.

  • How to get it: Open a Chase Secure Banking℠ account online or in person using a coupon emailed to you through the promotional page. You must complete 10 qualifying transactions within 60 days of opening the account. The account must remain open for six months or the bonus will be deducted at account closing.

  • Where to open: The account can be opened online or at a Chase branch (find a location near you).

  • Who can qualify: You must not have had a Chase checking account within the last 90 days or had one closed with a negative balance in the last three years. In addition, you may receive only one new checking account opening bonus every two years from the last enrollment date, and you’re limited to one bonus per account.

  • When you’ll get it: The bonus will be deposited into your account within 15 days after the 10 qualifying transactions have posted.

  • Monthly fee: $4.95.

TD Bank Checking: $150 or $300 bonus offer

TD Bank TD Convenience Checking℠
NerdWallet rating 

at TD Bank, Member FDIC

  • What you'll get: $150 or $300.

  • Expiration: Nov. 30, 2021.

  • How to get it: Open a new TD Convenience Checking or TD Beyond Checking account online at the promotional page. Receive qualifying direct deposits within 60 days of opening the account, and keep the account open for at least six months. Cumulative direct deposits of at least $500 into the TD Convenience Checking account will earn $150. Cumulative direct deposits of at least $2,500 into the TD Beyond Checking account will earn $300.

  • Where to open: Online.

  • Who can qualify: This offer is for new customers only. You must not have had a TD Bank personal checking account within the last 12 months or have ever received a bonus on a previous account. You must also be a resident of Connecticut, Delaware, Florida, Maine, Maryland, Massachusetts, North Carolina, New Hampshire, New Jersey, New York, Pennsylvania, Rhode Island, South Carolina, Vermont, Virginia or Washington, D.C.

  • When you'll get it: You'll receive the bonus within 140 days of opening the account if you've met the requirements.

  • Monthly fee: 

    • TD Convenience Checking: $15; waived with a minimum daily balance of $100.

    • TD Beyond Checking: $25, waived with direct deposits of at least $5,000 per statement cycle, a $2,500 minimum daily balance or a combined balance of $25,000 across eligible TD accounts.

Huntington checking: $150 or $200 bonus offer

Huntington National Bank Asterisk-Free Checking®
NerdWallet rating 
Read review
  • What you'll get: $150 or $200.

  • Expiration: Oct. 7, 2021.

  • How to get it: Open a new Huntington Asterisk-Free or Huntington 5 checking account online or in person using a coupon emailed to you through the promotional page. Deposit at least $1,000 within 60 days of opening the account and maintain that amount in the account for 90 days. Depositing $1,000 to the Asterisk-Free Checking account earns you $150, and depositing $1,000 to the Huntington 5 Checking account earns you $200. The money must be new to Huntington. Your account must be open to receive the bonus.

  • Where to open: Online or at a branch.

  • Who can qualify: This offer is for new personal checking accounts only. You must not have had a Huntington checking account within the last six months, and you must be a resident of Illinois, Indiana, Kentucky, Michigan, Ohio, Pennsylvania or West Virginia.

  • When you'll get it: You'll receive the bonus within 14 days of meeting the requirements.

  • Monthly fee: 

    • Huntington Asterisk-Free Checking: $0.

    • Huntington 5 Checking: $5, waived with $5,000 in total balances across Huntington accounts.

BMO Harris checking: $300 or $500 bonus offer

BMO Harris Bank Smart Advantage™ Account
NerdWallet rating 
Read review
  • What you'll get: $300 or $500.

  • Expiration: Sept. 30, 2021.

  • How to get it: Open a BMO Harris Smart Advantage or Premier account on the promotion page or at a branch and receive a total of at least $4,000 or $7,500 in qualifying direct deposits, respectively, within 90 days of opening the account. Opening a Smart Advantage account and meeting the criteria will earn you $300; opening a Premier account and meeting the criteria will earn you $500. The account type you have at the end of those 90 days will determine the bonus you receive.

  • Where to open: Online or at a branch.

  • Who can qualify: To open an account online, you must live in a state where BMO Harris operates retail branches, including Arizona, Florida, Illinois, Indiana, Kansas, Minnesota, Missouri and Wisconsin. You must not have had a BMO Harris personal checking account within the past 12 months. You cannot receive a bonus for opening both account types.

  • When you'll get it: The bonus will be paid approximately 100 days after account opening. Your account must be open and in good standing, with a balance greater than $0, to receive it.

  • Monthly fee: 

    • Smart Advantage: $2 paper statement fee, waived if you select paperless statements.

    • Premier: $25, waived with a $10,000 minimum daily balance or $25,000 in combined balances between certain BMO Harris accounts.

Alliant The Ultimate Opportunity Savings: $100 bonus offer

Alliant Credit Union Ultimate Opportunity Savings Account
NerdWallet rating 
Read review
  • What you'll get: $100.

  • Expiration: Dec. 31, 2021.

  • How to get it: Open a new The Ultimate Opportunity Savings account online at the promotional page, or by phone at 800-328-1935 and mention Suze Orman’s The Ultimate Opportunity Savings Account promotion. Then transfer or deposit the first $100 within 30 days, make transfers or deposits totaling at least $100 or more each month for the next 11 consecutive months, and keep an average daily balance of at least $100. To receive the bonus, at the end of the 12-month period your account must be open with a balance of at least $1,200.

  • Where to open: Online or by phone.

  • Who can qualify: New Alliant Credit Union members only. People who have closed an Alliant savings account within 180 days, existing members and joint owners on Alliant savings accounts are not eligible.

  • When you’ll get it: The bonus will be credited to your account within four weeks of meeting the requirements.

  • Monthly fee: $0 when you opt for eStatements; otherwise, paper statements cost $1 each.

Bank of America Advantage Banking: $100 bonus offer

Bank of America Advantage Plus Banking®
NerdWallet rating 
Read review
  • What you'll get: $100.

  • Expiration: Dec. 31, 2021.

  • How to get it: Open a Bank of America Advantage SafeBalance Banking®, Bank of America Advantage Plus Banking® or Bank of America Advantage Relationship Banking® checking account online. Use the code DDY100CIS when enrolling. Deposit $25 to open an Advantage SafeBalance account or $100 to open an Advantage Plus or Advantage Relationship account. Receive qualifying direct deposits of at least $1,000 within the first 90 days of owning the account. Your account must be open and in good standing to receive the bonus. Additional terms and conditions apply. See offer page for more details.

  • Where to open: Online.

  • Who can qualify: This is an online-only offer for new checking customers only. You cannot have held a Bank of America personal checking account within the last 12 months as either an owner or a co-owner. Fiduciary accounts are excluded.

  • When you’ll get it: Within 60 days of meeting all the requirements.

  • Monthly fee: 

    • Bank of America Advantage SafeBalance Banking®: $4.95, may be waived as long as you’re enrolled in Preferred Rewards. Students under 24 who are enrolled in school may also qualify for a waiver.

    • Bank of America Advantage Plus Banking®: $12, waived with at least one qualifying direct deposit of at least $250 each statement cycle or a $1,500 minimum daily balance. Preferred Rewards clients or students under 24 who are enrolled in school may also qualify for a waiver.

    • Bank of America Advantage Relationship Banking®: $25, waived with at least $10,000 in combined balances each statement cycle across linked checking, savings, IRAs and Merrill® investment accounts. Preferred Rewards clients don’t have to pay the $25 fee.

PNC Bank Virtual Wallet: Up to $300 bonus offer

PNC Virtual Wallet Spend
NerdWallet rating 
Read review
  • What you'll get: $50, $200 or $300.

  • Expiration: Sept. 30, 2021.

  • How to get it: Open a Virtual Wallet, Virtual Wallet with Performance Spend or Virtual Wallet with Performance Select account on the offer page, and receive a total of at least $500, $2,000 or $5,000 in qualifying direct deposits, respectively, within 60 days of opening the account. Opening a Virtual Wallet account and meeting the criteria will earn you $50; opening a Virtual Wallet with Performance Spend account and meeting the criteria will earn you $200; opening a Virtual Wallet with Performance Select account and meeting the criteria will earn you $300.

  • Where to open: Online.

  • Who can qualify: Anyone who has not had a PNC account within the last 90 days or received a PNC promotional payment within the last 24 months. Availability may vary by location; you can check your eligibility on the website.

  • When you'll get it: The bonus will be credited to your account within 60-90 days after you’ve met the requirements.

  • Monthly fee: 

    • Virtual Wallet: $7; waived with a combined average monthly balance of $500 in your Spend and/or Reserve accounts, or $500 in qualifying direct deposits per statement period.

    • Virtual Wallet with Performance Spend: $15, waived with direct deposits of at least $2,000 per statement period, a $10,000 combined average monthly balance across linked deposit accounts or a combined average monthly balance of $2,000 in your Spend and/or Reserve accounts.

    • Virtual Wallet with Performance Select: $25, waived with direct deposits of at least $5,000 per statement cycle, $25,000 combined average monthly balance across linked deposit and investment accounts or a combined average monthly balance of $5,000 across Spend and up to seven eligible linked checking accounts.

If these bonuses don’t entice you, you may want to look for a different account — see our picks for the best checking accounts.

Best bank promotions and bonuses | September 2021

Here’s a recap of this month’s best bank bonuses.

Bank account

Offer amount

Bonus expiration date

Citi Priority Account

Up to $1,500

10/4/2021

Discover Online Savings Account

$150 or $200

12/15/2021

Chase Total Checking®

$225

10/18/2021

Chase Secure Banking℠

$100

10/18/2021

TD Bank checking

$150 or $300

11/30/2021

Huntington checking

$150 or $200

10/7/2021

BMO Harris checking

$300 or $500

9/30/2021

Alliant Credit Union The Ultimate Opportunity Savings

$100

12/31/2021

Bank of America Advantage Banking

$100

12/31/2021

PNC Bank Virtual Wallet

$50, $200 or $300

9/30/2021

Best bank promotion for business accounts | September 2021

Here's a strong bonus offer for a new business account:

Chase business checking: $300 bonus offer

Chase Business Complete Banking℠
NerdWallet rating 

at Chase, Member FDIC

  • What you'll get: $300.

  • Expiration: Oct. 21, 2021.

  • How to get it: Open a new Business Complete Checking℠, Performance Business Checking® or Chase Platinum Business Checking℠ account at a branch, using the offer code emailed to you from the promotional page. Then deposit at least $2,000 in new money within 30 days, maintain a $2,000 balance for 60 days and complete five qualifying transactions — such as debit card purchases, QuickAccept℠ deposits, QuickDeposits℠ and ACH or wire transfers — within 90 days. The account must remain open for six months or the bonus will be deducted at account closing.

  • Where to open: Online or in person at a Chase branch (find a location near you).

  • Who can qualify: Anyone who has not received a bonus related to a new Chase business checking account opening in the last two years. Only one bonus is allowed per account.

  • When you’ll get it: The bonus will be deposited into your new account within 15 days of completing all the requirements.

  • Monthly fee: 

    • Chase Business Complete Checking℠: $15, waived with a minimum daily balance of $2,000, by spending at least $2,000 in purchases with your Chase Ink Business Card, by depositing $2,000 into your new account from your QuickAccept℠ or eligible transactions at least one business day before the last day of your statement period, or by maintaining a linked Chase Private Client Checking℠ account.

    • Chase Performance Business Checking®: $30, waived with a minimum combined average daily balance of $35,000 across qualifying business deposit accounts.

    • Chase Platinum Business Checking℠: $95, waived with a minimum combined average daily balance of $100,000 across qualifying business deposit and business investment accounts.

Checking account offers, savings promotions for September 2021

  • Citi Priority Checking, up to $1,500.

  • Discover Online Savings Account, $150 or $200.

  • Chase Total Checking, $225.

  • Chase Secure Banking, $100.

  • TD Bank checking, $150 or $300.

  • Huntington checking, $150 or $200.

  • BMO Harris checking, $300 or $500.

  • Alliant Credit Union The Ultimate Opportunity Savings, $100.

  • Bank of America Advantage Banking, $100.

  • PNC Bank Virtual Wallet, $50, $200 or $300.

  • Chase business checking, $300.


Are bank account bonuses worth it?

Bank promotions can be worth the effort of opening a new account and adding money if the reward is substantial enough and the requirements aren't too difficult to meet.

» Prefer an account that offers rewards beyond a sign-up bonus? Check out our favorite rewards checking accounts

What do the best bank bonuses have in common?

The best bank promotions offer the opportunity to earn a significant cash bonus for signing up for a new account with no fees or fees that are easy to get waived.

Are bank bonuses taxable?

If you’ve earned a cash bonus for opening a new bank account, it's usually taxable. You are responsible for covering any tax liability.

Should I have more than one checking or savings account?

It can be helpful to have multiple bank accounts — as long as you can meet the requirements and minimums in order to avoid fees.

The number of checking and/or savings accounts you should have depends on your individual situation. Married or partnered people, for example, might each want to have their own accounts in addition to one or more shared accounts. You might want to consider having accounts at different financial institutions for different purposes — such as having an account with a bank that works well for international travel if you’re frequently abroad, or with the bank that handles your mortgage or other loans for more seamless payment transfers.

» Looking for the right place to keep your savings? Check out NerdWallet's picks for the best savings accounts

METHODOLOGY

We consider bonuses offered by brick-and-mortar and online banks and credit unions in the U.S. that NerdWallet has rated. Eligible bonuses are rated for inclusion based primarily on the population eligible and the potential return on money deposited. We also consider factors including bonus requirements, the amount of time the account must remain open and account quality.

Frequently asked questions

Various banks and credit unions offer cash bonuses for signing up for a new account. You can find the best opportunities available by checking out our list of the best bank bonuses and promotions, updated monthly.

New checking customers can earn a $225 Chase checking account bonus by opening a Total Checking® account and meeting requirements.

Both online and traditional banks offer strong savings and checking account bonus offers. This month’s best bank promotions come from Alliant Credit Union, Bank of America, BMO Harris, Chase, Citibank, Huntington Bank, PNC Bank and TD Bank.

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