Best Bank Bonuses and Promotions for January 2026 (up to $3,000)

U.S. Bank Smartly® Checking is a streamlined checking account, and this bank bonus is a fair reward for opening a new account and meeting the requirements.

What you'll get: Up to $450.

Expiration: 01/28/2026.

How to get it: Open a new U.S. Bank Smartly® Checking account at the promo page and complete qualifying activities. Earn a bonus of up to $450 when you complete the following within 90 days of account opening: Enroll in online banking or the U.S. Bank Mobile App and make two or more direct deposits totaling $2,000 to $4,999.99 to earn $250 or totaling $5,000 to $7,999.99 to earn $350, or at least $8,000 to earn $450. You must fund your new account with a minimum deposit of $25 within 30 days of opening.

Where to open: Online, in a branch or by phone.

Who can qualify: U.S. Bank says: “Offer may not be available if you are an existing U.S. Bank customer or live outside of the U.S. Bank footprint.”

When you’ll get it: Get the checking account bonus within 30 days after you have met the requirements.

Monthly fee: Monthly fee can be waived; see bank site for details.

This bonus rewards you over three consecutive months for making a relatively small direct deposit each month.

What you'll get: Up to $350.

Expiration: Ongoing.

How to get it: Open a new Chime Checking Account and receive a qualifying direct deposit of at least $200 in your new account within 30 days of opening to earn $100. Do the same in the next calendar month to earn another $100. Do it again for the third consecutive month and earn an additional $150 for a total of $350. See promo page for more details.

Where to open: Online.

Who can qualify: People who haven’t previously opened a Chime Checking Account.

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

Monthly fee: $0.

This bonus offer is a good option if you want a checking account at one of the largest banks in the U.S. The checking account bonus is generous compared with the deposit requirement, especially when stacked against similar offers on our list.

What you'll get: $325.

Expiration: 04/14/2026.

How to get it: Open a new Wells Fargo Everyday Checking account through the promotional page or in a branch with a bonus offer code emailed to you from that page. (The minimum deposit to open is $25.) Then receive at least $1,000 in qualifying direct deposits into the account within 90 days of opening it. Throughout this time, your account must remain open with a balance greater than $0.

Where to open: Online or in a branch.

Who can qualify: You must not currently have a Wells Fargo consumer checking account or have received a bonus for opening one within the last 12 months or you are a Wells Fargo employee.

When you'll get it: You'll receive your bonus within 30 days of completing the 90-day qualification period.

Monthly fee: Can be waived; see bank site for details.

This is a good bonus for an excellent checking account. It has reasonable direct deposit requirements — if you make the minimum deposit, you’ll earn 25% of that amount in free cash.

What you’ll get: $250.

Expira​​tion: Ongoing; subject to change without notice.

How to get it: Open a new 360 Checking account on the promotion page with promo code CHECKING250 and receive at least two direct deposits of at least $500 each within 75 days of opening the account.

Where to open: Online.

Who can qualify: You must not have had a 360 Checking, Simply Checking or Total Control Checking account at Capital One on or after January 1, 2022. Your account must be in good standing to receive the bonus.

When you'll get it: Within 135 days of opening the account.

Monthly fee: $0.

You can earn this bonus with one of two checking accounts at the bank — a regular checking account or one that doesn’t allow overdrafts.

What you’ll get: $400.

Expira​​tion: 01/28/2026.

How to get it: Open a BMO Smart Advantage™ Checking or Smart Money™ Checking account on the promotion page, by phone or at a branch (using the promo code emailed to you from the bank website) and receive a total of at least $4,000 in qualifying direct deposits within 90 days of opening the account. Opening either account and meeting the criteria will earn you $400.

Where to open: Online, by phone or at a branch.

Who can qualify: You must not have had a BMO personal checking account within the past 12 months. You cannot receive a checking account bonus more than once.

When you'll get it: About 100 days after opening the account.

Monthly fee: Can be waived; see bank site for details.

*Conditions apply. Accounts are subject to approval and available in the U.S. by BMO Bank N.A., Member FDIC.

This offer is our top pick for a sign-up bonus for a combined checking and savings account.

If you’re looking for a combination checking-and-savings account, this bonus is a standout. It offers a couple different tiers to earn a cash bonus of either $50 or $300 (the bonus amount differs based on the amount you direct deposit). In addition to a solid cash bonus offering, the savings account pays a competitive interest rate — much higher than what’s offered by other savings accounts on our list — when you meet requirements.

What you'll get: $50 or $300.

Expiration: 01/31/2026.

How to get it: Open a new SoFi Checking and Savings account on the offer page. Make at least one eligible direct deposit before the promotion expiration date. Deposit $1,000 to $4,999.99 to earn a $50 bonus; deposit $5,000 or more to earn a $300 bonus.

Where to open: Online.

Who can qualify: Customers who open a new SoFi Checking and Savings account.

When you’ll get it: Within seven business days after the 25-day Direct Deposit Bonus Period following the receipt of the first qualifying direct deposit.

Monthly fee: $0.

This bonus offer is unique as it rewards you for opening (and direct depositing into) your choice of eligible checking account at one of the largest banks in the U.S. You can choose to try and earn the cash bonus with one of three different accounts. This bank bonus is smaller and takes longer to be paid compared with other offers on our list, but requirements are straightforward.

What you'll get: Up to $500 cash offer.

Expiration: 01/31/2026.

How to get it: Open a new eligible Bank of America Advantage Banking checking account through the Bank of America promotional page. Meet deposit requirements, including receiving Qualifying Direct Deposits* totaling $2,000 or more within 90 days of opening the eligible account. To earn $100 receive a total of at least $2,000, to earn $300 receive a total of at least $5,000 and to earn $500 receive a total of $10,0000 or more. Note that Bank of America Advantage SafeBalance Banking® for Family Banking accounts are not eligible for the offer). Your checking account must be open and in good standing to receive the bonus. Additional terms and conditions apply. See offer page for more details. Bank of America says: “*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.”

Where to open: Online only.

Who can qualify: This is an online-only offer for new checking account customers only. Bank of America says: “You are not eligible for this offer if you were an owner or co-owner of a Bank of America personal checking account within the last twelve (12) months.”

When you’ll get it: Bank of America says: “Once all requirements are met, Bank of America will attempt to pay bonus within 60 days.”

Monthly maintenance fee: Can be waived; see bank site for details.

» Learn more: Get more details on the checking account bonus offer from Bank of America

Customers receive a bonus offer in exchange for large savings deposits.

What you'll get: $300, $750, $1,000, $1,500 or $2,000.

Expiration: 02/28/2026.

How to get it: Open a new account by 02/28/2026 and enter code SAVE26 when opening the account at the promotion page. There’s no minimum deposit required to open, but you must fund the account within 30 days of opening. Deposit $20,000 to $49,999.99 to earn $300, $50,000 to $74,999.99 to earn $750, $75,000 to $99,999.99 to earn $1,000, $100,000 to $199,999.99 to earn $1,500, or at least $200,000 to earn $2,000. Maintain your balance for at least 45 days after the first 30 days.

Where to open: Online.

Who can qualify: Customers who are not enrolled in other E*TRADE offers and have not received more than two previous Premium Savings Account offers.

When you’ll get it: The bonus will be credited to your account 90 days after the account was

opened, assuming it is in good standing and requirements were met.

Monthly fee: $0.

This Chase offer is our top pick for checking account bonus because of how accessible it is: It doesn’t require a huge deposit and it allows up to three months to meet the direct deposit requirement.

The Total Checking bank bonus is one of the best checking account bonus offers available. Compared with similar offers on our list, you’ll get a large bonus compared with the direct deposit requirement. You can earn the Total Checking account bonus by meeting a minimum direct deposit requirement within 90 days.

What you'll get: $400.

Expiration: 04/15/2026.

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 make at least $1,000 in direct deposits into the account within 90 days of opening the account.

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

Who can qualify: New Chase checking account customers. You must not have had a Chase checking account within the last 90 days or had one closed with a negative balance within 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 checking account bonus will be deposited into your account within 15 days after your first direct deposit.

Monthly fee: Can be waived; see bank site for details.

» Learn more: Get more details about Chase checking account bonuses

This bonus stands out for rewarding you if you set up a direct deposit as low as $500 — a much lower deposit requirement than that of other offers on our list. A tiered bonus is available, so if you meet the significantly larger minimum deposit requirement, you can earn $400.

What you'll get: $100 or $400.

Expiration: 02/26/2026.

How to get it: Open a Virtual Wallet or Virtual Wallet with Performance Select account on the offer page and receive a total of at least $500 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 $100 while opening a Virtual Wallet with Performance Select account and meeting the criteria will earn you $400.

Where to open: Online.

Who can qualify: Anyone who does not currently have a PNC checking account, and has not closed a PNC account within the past 12 months or received a PNC promotional payment within the last 24 months. Availability may vary by your location; you can check your eligibility on the website.

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

Monthly fee: Can be waived; see bank site for details.

Customers receive a good bonus offer in exchange for what should be manageable deposits for most people.

What you'll get: $300.

Expiration: 03/31/2026.

How to get it: Enter code CHECKING25 when opening the account. Once the account is open, you'll need to receive two direct deposits of at least $1,500 each within 90 days of opening. The offer is also available for the standard checking account.

Where to open: Online.

Who can qualify: People who haven’t had either checking account in the last 12 months.

When you’ll get it: The bonus will be credited to your account about 120 days after the account was opened, assuming it is in good standing and requirements were met.

Monthly fee: Can be waived; see bank site for details.

This bonus is a good option if you need to open a business checking account at a major bank and can meet the minimum deposit and balance requirements, plus complete a handful of transactions. This is the only business account on our list, and it’s a standout because it consistently offers a bonus and comes from one of the largest banks. To compare, see our list of the best business account promotions.

What you'll get: Up to $500.

Expiration: 05/14/2026.

How to get it: Open a new Business Complete Checking℠ account online or at a branch, using the offer code emailed to you from the promotional page. Then within 30 days, deposit at least $2,000 in new money to earn $300 or $10,000 in new money to earn $500, maintain the new money 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.

Where to open: Online or in person at a Chase branch (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. Other restrictions apply.

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

Monthly fee: Can be waived; see bank site for details.

This checking account bonus offers the chance to earn thousands of dollars if you’re able to deposit a large amount of money. But note that if you are aiming for the largest bonus tier, you’ll have to deposit more than what standard federal insurance covers, so you’ll have to strategize to protect all of your money.

What you'll get: $1,000, $2,000 or $3,000.

Expiration: 04/15/2026.

How to get it: Open a new Chase Private Client Checking℠ account (or upgrade your existing Chase personal checking account) using the offer code emailed to you from the promotional page. Then transfer at least $150,000 in new money or securities to eligible personal checking, savings and/or J.P. Morgan Wealth Management accounts within 45 days after enrollment, and keep the money in the accounts for at least 90 days after offer enrollment. Deposit at least $150,000 to earn $1,000, $250,000 to earn $2,000 or $500,000 to earn $3,000.

Where to open: At a branch or by phone.

Who can qualify: Customers who meet with a Private Client Banker to open or upgrade to a Chase Private Client Checking℠ account. You may receive only one new Chase Private Client Checking℠ new money bonus or savings promotional rate offer in the 12 months from the last offer enrollment date. You are only allowed to receive one bonus per account.

When you’ll get it: The bonus will be deposited into your new checking account within 40 days of completing all the requirements.

Monthly fee: Can be waived; see bank site for details.

Disclosures:

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: • NOT A DEPOSIT • NOT FDIC INSURED • NOT INSURED BY ANY FEDERAL GOVERNMENT AGENCY • NO BANK GUARANTEE • MAY LOSE VALUE

The bonus isn’t as big as some others on this list, but this bank promotion could be a good option if you don’t want to meet a direct deposit requirement to earn a cash reward. Unlike most bank bonus offers on this list, the Chase Secure Banking bonus doesn’t require direct deposit. Instead, you’ll need to meet a minimum number of qualifying transactions such as debit card purchases and Zelle transfers, but you’ll have 60 days to meet the requirement.

What you'll get: $125.

Expiration: 03/27/2026.

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.

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

Who can qualify: New Chase checking customers. 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: Can be waived; see bank site for details.

This offer allows you to choose a checking account that works best for you — from basic (with no minimum balance requirement) to different levels of premium. You can earn cash by having direct deposits that meet a minimum requirement. Compared with similar offers that made our list, this checking account bonus is a fair offer — other offers require a much higher total deposit that Zelle deposits don’t count toward.

What you'll get: $325.

Expiration: 04/13/2026.

How to get it: Open a new eligible Citi checking account and enroll in the offer at the Citibank bonus page or in the Citi mobile app or with a bank representative over the phone or at a branch. Then make a minimum of two Enhanced Direct Deposits, including Automated Clearing House (ACH) payments, deposits made using Zelle, and digital payments made using ACH via PayPal, Venmo or other payment service providers. The deposits must total at least $3,000 and be made within 90 days of opening the account.

Where to open: Open the new account and enroll in the offer online at the Citi bonus page or in the Citi mobile app.

Who can qualify: You must not have had a checking account with Citibank for the last 365 days to take advantage of the offer. You must also be at least 18 years old and provide a valid Form W-9 or Form W-8BEN. Your account must not be subject to backup withholding. ​​ When you’ll get it: You’ll receive the bonus between the 90th and 120th day after account opening.

Monthly fee: See bank site for details.

» Learn more: Get more details about Citi checking account bonuses

This KeyBank bonus offer is a good reward for opening a competitive checking account. If you can meet the direct deposit minimum just once within the first couple months, you’ll earn the cash reward.

What you'll get: $300.

Expiration: 02/06/2026.

How to get it: Open a Key Smart Checking account online promotional page with a deposit of at least $10. Within the first 90 days of opening the account, make a total of $2,000 or more in eligible direct deposits. Your account must be open and in good standing in order to receive the bonus.

Where to open: The checking account can be opened online.

Who can qualify: KeyBank says: “Limit one account-opening gift per qualifying account. Limit one account opening gift per individual.” The bank also says: “Offer not available to individuals who were a primary account owner of a KeyBank personal checking account in the last 12 months.” Offer may not be available in all states.

When you’ll get it: The checking account bonus will be deposited into your account within 60 days after you complete the requirements.

Monthly fee: $0.

This new account sign-up bonus is a top pick for the savings category because it encourages building the good habit of saving on a regular basis.

This bonus rewards you for building a savings habit; the savings account offers a strong interest rate and the credit union is easy to join. Compared with other offers on our list, this offer requires a long commitment to increasing your balance, but the bonus amount is decent and the habit-building practice of saving every month might be even more valuable.

What you'll get: $100.

Expiration: 06/30/2026.

How to get it: Open a new The Ultimate Opportunity Savings account online at the promotional page. 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.

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.