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Best Bank Account Bonuses and Offers December 2017

Banking, Checking Accounts, Savings Accounts
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Excellent cash bonuses are available if you open checking or savings accounts with some banks. Here are the best offers this month:

Checking account offers and savings promotions

Top picks

Chase Bank: $200
Chase
Learn more
at Chase Bank
Chase Total Checking®

Overall bank rating:

4.0 stars out of 5

BMO Harris: $200
BMO+Harris
Learn more
at BMO Harris
BMO Harris checking

Chase Bank: $150
Chase
Learn more
at Chase Bank
Chase SavingsSM

Overall bank rating:

4.0 stars out of 5

 

Also worth considering

Chase: $300
Chase
Learn more
at Chase Bank
Chase Premier Plus CheckingSM

Overall bank rating:
4.0 stars out of 5

Bank of America: $100
Bank+of+America
Read full review
on NerdWallet
Bank of America Core Checking and Interest Checking

Overall bank rating:
3.5 stars out of 5

Associated Bank: $150
Associated+Bank
Read full review
on NerdWallet
Associated Bank Brewers checking

Overall bank rating:

3.5 stars out of 5

Associated Bank: $100
Associated+Bank
Read full review
on NerdWallet
Associated Bank Advantage Money Market Account

Overall bank rating:

3.5 stars out of 5

CIT Bank: $100
CIT Bank
Learn more
at CIT Bank
CIT Bank Premier High Yield Savings

Citibank: $300
Citibank
Read full review
on NerdWallet
Citibank checking

Overall bank rating:

3.5 stars out of 5

Huntington Bank: $200
Huntington+Bank
Read full review
on NerdWallet
Huntington 5 Checking

Overall bank rating:

3.5 stars out of 5

M&T Bank: $150
M&T+Bank
Read full review
on NerdWallet
M&T Checking accounts

Overall bank rating:

2.5 stars out of 5

PNC Bank: $50, $200 or $300
PNC
Read full review
on NerdWallet
PNC checking

Overall bank rating:

3.5 stars out of 5

Santander Bank: $150
Santander+Bank
Read full review
on NerdWallet
Santander Simply Right Checking

Overall bank rating:

3.0 stars out of 5

SunTrust: $100, $200 or $300
SunTrust
Learn more
at SunTrust
SunTrust checking

TD Bank: $150 or $300
TD+Bank
Learn more
at TD Bank
TD Bank checking

Overall bank rating:

3.0 stars out of 5

Amboy Direct: $50
Amboy+Direct
Learn more
at Amboy Direct
Amboy Direct eSavings

Chasing promotions may cost you in the long run, so it’s important to be aware of the agreement terms and to avoid potential monthly fees. Here are more details on NerdWallet’s favorites this month, with a focus on sign-up bonuses.

» Here’s how to switch banks in four steps

Chase Bank: $200 bonus

NerdWallet has rated this bank:

Best checking bonus: through Jan. 18, 2018
Chase
Learn more
at Chase Bank
  • To qualify, you must not have had a Chase checking account within the past 90 days, had one closed with a negative balance, or have a fiduciary account
  • Use the form on the sign-up page to have a coupon emailed to you. Use the coupon to open a Chase Total Checking® account funded with at least $25. The account must remain open for six months.
  • The account has to be opened at a Chase branch (find a location near you). These can be found mostly in the Northeast, on the West Coast and in parts of the Midwest, Texas and Florida.
  • You must have a direct deposit into the account within 60 days
  • The bonus will be deposited into your account in no more than 10 business days after your first direct deposit

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

[Back to top]

BMO Harris: $200 bonus

Best checking bonus: through Dec. 31, 2017

BMO+Harris
Learn more
at BMO Harris
  • To qualify, you must not have had a BMO Harris checking account in the past year
  • Open a new Smart Money, Smart Advantage or Premier account online, over the phone or in a branch using the coupon you were emailed from the promotional page
  • Within 90 days of opening the account, have at least two direct deposits of at least $300 each
  • Account must remain open and in good standing for about 120 days, which is when the bonus will be paid

[Back to top]

Chase Bank: $150 bonus

NerdWallet has rated this bank:

Best savings bonus: through Jan. 18, 2018
Chase
Learn more
at Chase Bank
  • To qualify, you must not have had a Chase SavingsSM account within the past 90 days, had one closed with a negative balance, or have a fiduciary account
  • Use the form on the sign-up page to have a coupon emailed to you. Then use the coupon to open a Chase SavingsSM account with at least $10,000 in new money within 10 business days. The account must remain open for six months.
  • The account has to be opened at a Chase branch (find a location near you). These can be found mostly in the Northeast, on the West Coast and in parts of the Midwest, Texas and Florida.
  • Maintain a balance of at least $10,000 for 90 days, and Chase will deposit your bonus into your account within approximately 10 days

[Back to top]

 

Others bonuses to consider

These bank promotions didn’t quite make our list of favorites. Typically, these accounts have:

  • Stiffer qualification requirements for the bonus
  • Lower bonus amounts for comparable requirements and accounts
  • High minimum balance requirements

Be sure you read the fine print if you click through. Here they are in alphabetical order:


Chase
Learn more
at Chase Bank

Chase Bank: $300 bonus

NerdWallet has rated this bank:

Through Jan. 18, 2018

  • To qualify, you must not have had a Chase checking account within the past 90 days, had one closed with a negative balance, or have a fiduciary account
  • Open a Chase Premier Plus CheckingSM account funded with at least $25 and have a direct deposit within 60 days. The account must remain open for six months.
  • The account has to be opened at a Chase branch (find a location near you). These can be found mostly in the Northeast, on the West Coast and in parts of the Midwest, Texas and Florida.
  • To avoid a $25 monthly fee, your Chase Premier Plus CheckingSM account must have an average daily balance of at least $15,000 across linked deposit and investment accounts or have automatic payments to a linked Chase mortgage
  • Your bonus will be deposited within 10 days of your direct deposit

[Back to top]

Bank+of+America
Read full review
on NerdWallet

Bank of America: $100 bonus

NerdWallet has rated this bank:

Through Dec. 31, 2017

  • Open a Bank of America Core Checking or Interest Checking account through Bank of America’s online offer page by Dec. 31, 2017
  • Set up direct deposit and receive two or more installments of at least $250 within the first 90 days of opening
  • You must not already have a personal checking account with Bank of America 
  • Bank of America will deposit the $100 bonus into your account within 60 days. If it can’t, it will send you a check.
  • Your account must be open on the day the bonus is paid
  • Since the bonus may be considered taxable income, you won’t be qualified for the bonus until you submit required tax forms

[Back to top]

Associated+Bank
Read full review
on NerdWallet

Associated Bank: $150 bonus

NerdWallet has rated this bank:

Through Dec. 31, 2017

  • To qualify, you must not have had an Associated checking account within the past six months
  • To get started, open a Brewers Checking account online or in person with at least $100
  • Within 45 days of opening the account, use it to pay at least three bills through online bill pay or have a direct deposit of at least $300
  • The bonus will be deposited into your account within 75 days of your meeting the bank’s criteria. The account must remain open for at least one year.

[Back to top]

Associated+Bank
Read full review
on NerdWallet

Associated Bank: $100 bonus

NerdWallet has rated this bank:

Through Dec. 31, 2017

  • To get started, open an Associated Advantage Money Market account with a minimum deposit of $10,000 and have at least that amount in the account for 90 days
  • The $100 bonus will be deposited into your new money market account within 120 days of opening
  • The account must be open for at least 12 months or Associated Bank may retract the bonus from your account before you close it
  • To qualify, your household can’t have had a money market account with Associated Bank within the past six months

[Back to top]

CIT Bank
Learn more
at CIT Bank

CIT Bank: $100 bonus

Through Dec. 21, 2017

  • Open a Premier High Yield Savings Account with promotion code FALL17
  • Fund your account within 30 days of opening your account
  • Keep at least $100,000 in your account for the first three monthly statement cycles with funds that were previously not at CIT Bank or OneWest Bank
  • Bonuses are limited to one per customer
  • To qualify, you can’t have received or been enrolled in another CIT Bank bonus between Jan. 1 and Oct. 2 of this year, even if the bonus has not been paid yet
  • Your $100 bonus will be deposited in your premier High Yield Savings Account within 45 days after the end of the third statement cycle after your fund your account
  • There’s a minimum $100 opening balance, and the interest rate is 1.35% APY for balances up to $250,000 and 1.30% after that

[Back to top]

Citibank
Read full review
on NerdWallet

Citibank: $300 bonus

NerdWallet has rated this bank:

Through Dec. 31, 2017

  • To qualify, you must not have had a Citibank checking account within the past 180 days. You can, however, have an existing Citibank Savings Plus Account or Citibank Savings Account.
  • Open a checking account in the Citibank Account Package online, over the phone or at a branch
  • Within 30 days of opening your new checking account, deposit at least $15,000 into either that account or a new or existing Citibank Savings Plus Account or Citibank Savings Account. Maintain a balance of at least $15,000 for 60 consecutive days following the date of your initial deposit.
  • Within 60 days of opening your account, have two direct deposits post to the account, at least one per month for two consecutive months
  • To avoid a $25 monthly fee, you must maintain $10,000 in combined average monthly balances in eligible linked accounts
  • The bonus will be deposited within 90 days after you meet the criteria
  • You may qualify for a similar $500 bonus if you can afford to keep $50,000 in a new Citi Priority Account Package. See Citi’s promotional page for details.

[Back to top]

Huntington+Bank
Read full review
on NerdWallet

Huntington Bank: $200 bonus

NerdWallet has rated this bank:

Through Jan. 7, 2018

  • Bonus not available to current Huntington checking customers or those who have had a Huntington checking account within the past six months
  • Open a new Huntington 5 Checking account to earn $200. The account can be opened online or at a Huntington branch using the promo code you email yourself from the bank’s promotion page.
  • To qualify for the bonus, make a deposit of at least $1,000 within 60 days of opening the account
  • The bonus will be deposited into your account within 14 days of your meeting the bank’s criteria
  • You must reside in Illinois, Indiana, Kentucky, Michigan, Ohio, Pennsylvania, West Virginia or Wisconsin to be eligible for the offer
  • To avoid the monthly maintenance fee of $5, have at least $5,000 across all Huntington accounts

[Back to top]

M&T+Bank
Read full review
on NerdWallet

M&T Bank: $150 bonus

NerdWallet has rated this bank:

Through Dec. 8, 2017

  • Open an M&T checking account at the promotional webpage or have a coupon emailed to yourself from the page and use it to open an account at a branch
  • Have one direct deposit of $100 or more within 90 days of opening the account
  • Your bonus will be deposited within 90 days of your direct deposit
  • Offer not available nationwide; enter your ZIP code at the top of the promotional webpage to see if you’re eligible
  • You will be charged $50 if you account is closed before 180 days since the day the account was opened

[Back to top]

PNC
Read full review
on NerdWallet

PNC Bank: $50, $200 or $300 bonus

NerdWallet has rated this bank:

Through Dec. 31, 2017

  • To qualify, you must not have had a PNC account within the past 90 days or received a PNC promotional payment within the past 12 months
  • Your bonus amount depends on the type of account you open. Options include a Virtual Wallet account, a Virtual Wallet with Performance Spend account or a Virtual Wallet with Performance Select account.
  • Direct deposits must total at least $500, $2,000 or $5,000 per month, depending on which account you’ve signed up for, within 60 days of opening. You must also make at least 10 purchases with your PNC Bank Visa debit card.
  • Your bonus will be deposited 60 to 90 days after you meet the criteria
  • Offer available to residents of Alabama, Delaware, Florida, Georgia, Illinois, Indiana, Kentucky, Maryland, Michigan, Missouri, New Jersey, New York, North Carolina, Ohio, Pennsylvania, South Carolina, Virginia, West Virginia, Wisconsin and the District of Columbia

[Back to top]

Santander+Bank
Read full review
on NerdWallet

Santander Bank: $150 bonus

NerdWallet has rated this bank:

Through Dec. 31, 2017

  • To qualify, you must not currently have a Santander checking account or have had one in the last year
  • Open a Santander checking account online using promo code DIG15010ND, or at a branch using the coupon you got emailed to yourself from the promotional page
  • Have direct deposits totaling at least $1,000 within 90 days of opening the account
  • Keep your account open for at least 90 days
  • Your bonus will be deposited within 30 days after you meet those criteria
  • Offer available to residents of Connecticut, Delaware, Massachusetts, New Hampshire, New Jersey, New York, Rhode Island and Pennsylvania
  • Avoid the $10 monthly fee by making any financial transaction that posts in a calendar month, including deposits, withdrawals, transfers or payments

[Back to top]

SunTrust
Learn more
at SunTrust

SunTrust Bank: $100, $200 or $300 bonus

Through Jan. 2, 2018

  • Open a new account online using promo code Q417CHKNG123OL
  • Your bonus amount depends on the type of account you open. Options include an Essential Checking, Select Checking or Signature Advantage account.
  • Deposit at least $100 into the account within 14 days of opening it, and have direct deposits of at least $500 within 60 days of the opening
  • Make at least 10 debit card purchases within 60 days of opening the account
  • The bonus will be deposited eight weeks after you meet the requirements
  • Offer available to residents of Alabama, Arkansas, Florida, Georgia, Maryland, Mississippi, North Carolina, South Carolina, Tennessee, Virginia, West Virginia and the District of Columbia

[Back to top]

TD+Bank
Learn more
at TD Bank

TD Bank: $150 or $300 bonus

NerdWallet has rated this bank:

No expiration date listed

  • To qualify, you must be a new TD Bank checking customer
  • To earn $150, open a TD Convenience account and receive cumulative direct deposits of at least $500 within 60 days of opening the account. To have the $15 monthly fee waived, maintain a minimum daily balance of $100.
  • To earn $300, open a TD Premier account and receive cumulative direct deposits of at least $2,500 within 60 days of opening the account. To have the $25 monthly fee waived, maintain a minimum daily balance of $2,500.
  • Your bonus will be paid no later than 95 days after you open the account

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

[Back to top]

Amboy Direct: $50 bonus

No expiration date listed

Amboy+Direct
Learn more
at Amboy Direct
  • To get the $50 bonus, go to the Amboy Direct website and sign up with your email to receive a bonus reference code. Enter the code you received via email when you apply for an eSavings account.
  • Keep a monthly average balance of at least $3,000 for 90 days
  • The bonus will be credited to you in the next statement cycle
  • $100 minimum to open an eSavings account

[Back to top]

If it’s time to switch banks and you want to take advantage of a cash bonus, these options should help you decide. If these bonuses don’t entice you, you may want to look for a different account — see our picks for best checking accounts.

Updated Dec. 8, 2017.


METHODOLOGY

We looked at the 15 largest banks by assets and eliminated those without a significant retail banking presence. We also included financial institutions in the country’s five largest metro areas and several of the largest online-only banks that offer a full suite of checking and savings products. We rounded off the list with some of the country’s biggest credit unions with broad-based membership requirements. Finally, we considered banks we’ve reviewed. Financial institutions surveyed: Alliant Credit Union, Ally Bank, Amboy Direct, Associated Bank, Bank of America, Bank5 Connect, Bank of Internet USA, Bank of the WestBarclays, BB&T, BBVA Compass, BMO Harris Bank, Capital One 360, Chase, CIT Bank, Citibank, Connexus Credit Union, Consumers Credit Union, Discover Bank, HSBC, Huntington BankM&T Bank, Nationwide, Navy Federal Credit Union, Pentagon Federal Credit Union, PNC Bank, Santander, Simple, State Employees’ Credit Union, SunTrust, Synchrony Bank, TD Bank, Union Bank, U.S. Bank and Wells Fargo.