Bank Promotions: Hot Deals
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Many banks offer sign-up bonuses when you open a new account. Find out which banks are offering the heftiest cash bonuses here.
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Right now, new customers can get up to $300 bucks for opening a new savings or checking account.
To snag the bonus, you may need to keep the account open for a number of weeks or set up direct deposit. Some bank promotions are easier to qualify for than others (more on that below).
Read this review to compare the best deals for checking/savings and money market accounts, certificates of deposits and even business checking accounts.
Compare Checking Accounts
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Online-only banks don't have the expensive overhead that brick-and-mortar banks do. That's why they're able to pass along their savings to customers with higher interest rates and less fees. Plus, they're safe and FDIC-insured just like "big banks."
But the major downside is that they have no physical locations, so you need to do all of your banking on the web or mobile apps.
If you prefer in-person transactions, stick with physical branches. Otherwise, online banks are your best bet for maximizing earnings.
Bank of America Advantage Banking - $300 Bonus Offer
- The $300 bonus offer is an online only offer and must be opened through the Bank of America promotional page.
- The offer is for new checking customers only.
- Offer expires 01/31/2025.
- To qualify, open a new eligible Bank of America Advantage Banking account through the promotional page and set up and receive Qualifying Direct Deposits* totaling $2,000 or more into that new eligible account within 90 days of account opening. Bank of America Advantage SafeBalance Banking® for Family Banking accounts are not eligible for this offer.
- Once all requirements are met, Bank of America will attempt to pay bonus within 60 days.
- Additional terms and conditions apply. See offer page for more details.
- *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.
- Bank of America, N.A. Member FDIC.
U.S. Bank Smartly® Checking - Up to $450 Bonus
Earn up to $450 with a new Bank Smartly Checking account. Complete the following within 90 days of account opening:
- Enroll in online banking or the U.S. Bank Mobile App
- Make two or more direct deposits(s) totaling $2,000 to $4,999.99 to earn $250, $5,000 to $7,999.99 to earn $350 or $8,000 or more to earn $450.
Fund your new account within 30 days to start qualifying activities. Offer may not be available if you are an existing U.S. Bank customer or live outside of the U.S. Bank footprint.
- Minimum Deposit to Open: $25
HSBC Premier - Earn Up to $2,500
Start an HSBC Premier relationship today. You'll enjoy premium banking with both local and global benefits and access to wealth solutions offered through HSBC Securities, (USA), Inc*.
You could earn $1,500 or $2,500 if you open a new, eligible HSBC Premier checking account from July 1, 2024 through January 2, 2025, and complete qualifying activities.
- Get a $1,500 Cash Bonus: Add New Money of $100,000 to $249,999 in deposit and/or eligible investment accounts within 20 days of opening your new checking account and maintain the Qualifying Balance for 3 full consecutive months.
- Get a $2,500 Cash Bonus: Add New Money of $250,000+ in deposit and/or eligible investment accounts within 20 days of opening your new checking account and maintain the Qualifying Balance for 3 full consecutive months.
- Cash Bonus will be deposited into your new checking account within 8 weeks of meeting all the offer requirements.
- Minimum Deposit to Open:
- Balances of $100,000 in combined U.S. consumer and qualifying commercial U.S. Dollar deposit and investment accounts; OR
- Monthly recurring direct deposits totaling at least $5,000 from a third party to an HSBC Premier checking account(s); OR
- Any HSBC U.S. residential mortgage loan serviced by HSBC. Home Equity products, loans that are in foreclosure or bankruptcy, and loans for which servicing rights have been transferred are not included.
- Consumers who maintain Private Bank status
Chase Total Checking® - $300 Bonus
- New Chase checking customers enjoy a $300 bonus when you open a Chase Total Checking® account with qualifying activities
- With over 4,700 branches, Chase has the largest branch network in the U.S. plus access to more than 15,000 ATMs.
- Chase Mobile® app - Manage your accounts, deposit checks, transfer money and more -- all from your device.
- JPMorgan Chase Bank, N.A. Member FDIC
- Open your account online now
- Available online nationwide except in Alaska, Hawaii and Puerto Rico. For branch locations, visit locator.chase.com.
- Chase Overdraft Assist℠ - no overdraft fees if you're overdrawn by $50 or less at the end of the business day or if you're overdrawn by more than $50 and bring your account balance to overdrawn by $50 or less at the end of the next business day*
- Minimum Deposit to Open: $0
- Direct Deposit Required: Yes
- Minimum Deposit Required: None
First Tech Rewards Checking® - Up to $300 Bonus
- New Direct Deposit Offer
- New and existing account holders can set up qualifying direct deposits to earn a one-time bonus: $50 for $1,000–$5,000 per month or $300 for over $5,000 per month.
- Direct deposits must meet the required amount for the bonus tier and occur at least once a month for three months.
- Earn up to 3.50% Annual Percentage Yield (APY)
- No minimum balance requirements and no monthly account maintenance fees
- Surcharge-free access at nearly 30,000 CO-OP network ATMs nationwide
- NCUA Insured
Chase Secure Banking℠ - $100 Bonus
- New Chase checking customers enjoy a $100 checking account bonus when you open a Chase Secure Banking℠ account with qualifying transactions. Open online or at any Chase branch.
- Set up direct deposit and you may get your money up to two business days early-exclusively for Chase Secure Banking℠ customers.
- No minimum deposit to open an account and get started plus no overdraft fees with a Chase debit card that helps you stay within your balance.
- No need to worry about overdraft fees - Chase Secure Banking℠ allows you to spend only the money you have available.
- Chase Secure Banking℠ customers told us they save an average of more than $40 per month on fees after opening their account.
- Pay bills, cash checks and send or receive money with Zelle® with a Chase Secure Banking℠ account.
- Bank from anywhere with access to more than 15,000 Chase ATMs, more than 4,700 Chase branches, the Chase Mobile® app and Chase.com.
- JPMorgan Chase Bank, N.A. Member FDIC.
- Minimum Deposit to Open: $0
- Direct Deposit Required: No
- Minimum Deposit Required: None
Discover® Cashback Checking - Up to $30/Month Cashback
Earn 1% cash back on up to $3,000 in debit card purchases each month, for a total of up to $30 cashback per month. Discover Cashback Debit checking account has no minimum balance requirement, no fees, and free online bill pay. See website for details.
Rewards Checking - Up to 3.30% APY
- Build your own APY with up to 3.30% APY*
- Zero monthly maintenance fees
- Zero overdraft or NSF fees
- Zero minimum monthly balance reqs
- No initial deposit requirement
- Unlimited domestic ATM fee reimbursements
- Online debit card management
- Simple, 3-step process for direct deposit
- Minimum Deposit to Open: $0
- Minimum Deposit Required: $0
Chase College Checking℠ - $100 Bonus
- Enjoy $100 as a new Chase checking customer when you open a Chase College Checking℠ account and complete 10 qualifying transactions within 60 days of coupon enrollment.
- $0 Monthly Service Fee while in school up to the graduation date provided at account opening (five years maximum) for students 17-24 years old.
- Wire funds internationally using the Chase Mobile® app or chase.com. Send money to recipients around the world with multiple currency options. Fees apply.
- Keep track of your money with confidence and control in the Chase Mobile® app. The Chase Mobile app helps you bank securely and conveniently from anywhere.
- Zelle® is available in more than 1,000 banking apps in the U.S. So, you can send and receive money from almost anyone you know and trust who has a bank account in the U.S.
- With over 4,700 branches, Chase has the largest branch network in the U.S. plus access to more than 15,000 ATMs.
- With Fraud Monitoring, Chase may notify you of unusual debit card purchases and with Zero Liability Protection you won't be held responsible for unauthorized debit card purchases when reported promptly.
- JPMorgan Chase Bank, N.A. Member FDIC
- Minimum Deposit to Open: $0
- Direct Deposit Required: No
- Minimum Deposit Required: None
Chase Private Client Checking℠ - Up to $3,000 Bonus
- You're eligible for up to a $3,000 bonus when you open a new Chase Private Client Checking℠ account with qualifying activities.
- Speak with a Private Client Banker to open your Chase Private Client Checking℠ account today. Schedule your meeting at your nearest branch to get started.
- Priority service for everyday banking. Receive personalized attention from a dedicated Chase Private Client Banker and 24/7 access to a U.S. based banking service line.
Earn $1,000 when you deposit $150,000 or earn $2,000 when you deposit $250,000 or earn $3,000 when you deposit $500,000. - No fees at Chase and non-Chase ATMs worldwide.
- No Chase fee on incoming or outgoing wire transfers.
- Enjoy higher limits on Chase Private Client debit card purchases and ATM withdrawals, as well as higher Zelle® and Chase QuickDeposit℠ limits.
- Preferred rates and perks which may make you eligible for a 0.25% auto rate discount and invitation-only events.
- Enhance your Chase relationship with access to a dedicated J.P. Morgan Private Client Advisor who can help create a personalized investment strategy.
- Deposit products provided by JPMorgan Chase Bank, N.A. Member FDIC. Deposit products are FDIC insured up to the maximum amount allowed by law.
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: •
Key Smart Checking® - $300 Bonus
- Open a Key Smart Checking® account online by May 16, 2025.
- Make the minimum opening deposit of $10, plus one single eligible direct deposit of at least $1,000 within the first 60 days of account opening.
- Your $300 cash bonus will be deposited into your account within 60 days of meeting requirements. Account must not be closed at the time of gift payment.
- Minimum Deposit to Open: $10
- Direct Deposit Required: Make the minimum opening deposit of $10, plus one single eligible direct deposit of at least $1,000 within the first 60 days of account opening.
OneCard with Rewards Checking - $200 Bonus
- 3% cash back on everyday expenses (up to $500 in rewards per calendar year); 2% on everything else
- No annual fee
- Choose to Pay Now with no interest, or Pay Later
- $200 bonus when you also open and fund a new Upgrade Rewards Checking Plus account and make 3 qualifying purchases on your Upgrade OneCard and/or Rewards Checking Plus debit card within 60 days
BMO Smart Advantage Checking Account and BMO Smart Money Checking Account - Earn $300 Cash Bonus*
$300 Cash Bonus* when you have $4,000 in direct deposits within 90 days of opening between 11/1/24 – 2/3/25. *Conditions Apply. Available in the U.S. BMO Bank N.A. Member FDIC
Compare Savings Accounts
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What's the average savings interest rate? Not much if your money's sitting in a traditional bank. Compared to regular banks, online savings accounts yield much higher interest rates.
The average savings account interest rate is 0.09% but online banks can provide much more.
Take a peek at the top savings account promotions for both online and physical banks below.
High-Yield Savings Premier - 4.46% APY
- No account activity or maintenance fees
- $500 minimum opening deposit
- FDIC insured
- Minimum Deposit to Open: $500
Discover® Online Savings - $200 Cash Bonus
To qualify for Bonus: Apply for your first Discover Online Savings Account, enter Offer Code CY924 at application, 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. Qualifying deposit(s) may consist of multiple deposits and must post to Account within 45 days of account open date. Maximum bonus eligibility is $200.
What to know: Offer not valid for existing or prior Discover savings customers, including co-branded, or affinity accounts. Eligibility is based on primary account owner. Account must be open when bonus is credited. Bonus will be credited to the account within 60 days of the account qualifying for the bonus. Bonus is subject to tax reporting. Offer ends 03/13/2025, 11:59 PM ET. Offer may be modified or withdrawn without notice. Due to new customer funding limits, you may wish to initiate fund transfers at your other institution. For information on funding your Account, see FAQs on Discover.com/Bank. See advertiser website for full details.
High Yield Savings Account - 4.50% APY
- No fees
- $1 minimum deposit
- 24/7 online access
- FDIC insured
- Minimum Deposit to Open: $1
Discover® Online Savings - $150 Cash Bonus
To qualify for Bonus: Apply for your first Discover Online Savings Account, enter Offer Code CY924 at application, 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. Qualifying deposit(s) may consist of multiple deposits and must post to Account within 45 days of account open date. Maximum bonus eligibility is $200.
What to know: Offer not valid for existing or prior Discover savings customers, including co-branded, or affinity accounts. Eligibility is based on primary account owner. Account must be open when bonus is credited. Bonus will be credited to the account within 60 days of the account qualifying for the bonus. Bonus is subject to tax reporting. Offer ends 03/13/2025, 11:59 PM ET. Offer may be modified or withdrawn without notice. Due to new customer funding limits, you may wish to initiate fund transfers at your other institution. For information on funding your Account, see FAQs on Discover.com/Bank. See advertiser website for full details.
CIT Bank Platinum Savings - 4.35% APY
- 4.35% APY with a balance of $5,000 or more
- 0.25% APY with a balance of less than $5,000
- $100 minimum opening deposit
- No monthly maintenance fee
- Member FDIC
- Minimum Deposit to Open: $100
- Direct Deposit Required: No
Online Savings Account - Earn 3.75% APY
- No fees
- No minimum opening deposit
- No minimum balance required
- Minimum Deposit to Open: $0
High Yield Savings Account - 4.50% APY
- $1 minimum deposit
- No fees
- 24/7 online access to funds
- FDIC insured
- Minimum Deposit to Open: $1
High-Yield Savings Account - 4.40% APY
- $1 minimum deposit
- No fees
- 24/7 online access to funds
- FDIC insured
- Minimum Deposit to Open: $1
High-Yield Savings Account - 4.30% APY
- $1 minimum deposit
- No fees
- 24/7 online access to funds
- FDIC insured
- Minimum Deposit to Open: $1
High-Yield Savings Account - 4.29% APY
- $1 minimum deposit
- No fees
- 24/7 online access to funds
- FDIC insured
- Minimum Deposit to Open: $1
High-Yield Savings Account - 4.22% APY
- $1 minimum deposit
- No fees
- 24/7 online access to funds
- FDIC insured
- Minimum Deposit to Open: $1
High-Yield Savings Account - 4.20% APY
- $1 minimum deposit
- No fees
- 24/7 online access to funds
- FDIC insured
- Minimum Deposit to Open: $1
High-Yield Savings Account - 3.66% APY
- $1 minimum deposit
- No fees
- 24/7 online access to funds
- FDIC insured
- Minimum Deposit to Open: $1
CIT Bank Savings Connect - 4.00% APY
- Earn 9x the national average
- $100 minimum opening deposit
- No monthly maintenance fee
- Member FDIC
- Minimum Deposit to Open: $100
- Direct Deposit Required: No
High-Yield Savings Account - 4.16% APY
- $1 minimum deposit
- No fees
- 24/7 online access to funds
- FDIC insured
- Minimum Deposit to Open: $1
High Yield Savings - 4.00% APY
- 4.00% APY
- $100 minimum opening deposit
- No monthly service fees
- Minimum Deposit to Open: $100
High-Yield Savings Account - 4.45% APY
- $1 minimum deposit
- No fees
- 24/7 online access to funds
- FDIC insured
- Minimum Deposit to Open: $1
High-Yield Savings Account - 4.40% APY
- $1 minimum deposit
- No fees
- 24/7 online access to funds
- FDIC insured
- Minimum Deposit to Open: $1
High-Yield Savings Account - 4.25% APY
- $1 minimum deposit
- No fees
- 24/7 online access to funds
- Deposits are FDIC insured through Bank34
- Minimum Deposit to Open: $1
Personal Savings - Earn 4.20% APY
- Earn 4.20% APY
- No minimum balance requirement
- No monthly service fee
- Minimum Deposit to Open: $0
High-Yield Savings Account - 4.00% APY
- $1 minimum deposit
- No fees
- 24/7 online access to funds
- FDIC insured
- Minimum Deposit to Open: $1
High-Yield Savings Account - 3.90% APY
- $1 minimum deposit
- No fees
- 24/7 online access to funds
- NCUA insured
- Minimum Deposit to Open: $1
High Yield Savings Account - 3.30% APY
- $1 minimum deposit
- No fees
- 24/7 online access to funds
- FDIC insured
- Minimum Deposit to Open: $1
High-Yield Savings Account - 3.00% APY
- $1 minimum deposit
- No fees
- 24/7 online access to funds
- Federally insured by NCUA
- Minimum Deposit to Open: $1
Premier Savings - Up to 4.14% APY
- Earn 4.14% APY, on $1,000 or more
- No monthly account fees
- Up to $1 million FDIC or NCUA insurance through Cross River Bank or Participating Institutions
- Minimum Deposit to Open: $0
CIT Savings Builder - 1.00% APY
Earn up to 1.00% APY. Here's how it works: Maintain a minimum balance of $25k OR make at least a $100 minimum deposit every month. Member FDIC
- Minimum Deposit to Open: $100
Business Premium Savings - Up to 4.01% APY
- Unlock a bonus up to $375 with Business Premium Savings. Save more, pay lower fees, and get a limited-time bonus up to $375 with a 4.01% APY* Business Premium Savings account. Use promo code BPS375.†
- Earn 4.01% APY* With Business Premium Savings
- Free domestic and international incoming wires
- No monthly maintenance fee
- No minimum opening deposit
- No average daily balance requirement
- Business deposit accounts FDIC insured up to $250k
- Minimum Deposit Required: $0
Business Savings - 3.70% APY
- Earn 3.70% APY
- No minimum balance requirement
- No monthly service fee
- Minimum Deposit to Open: $0
U.S. Bank Smartly® Savings account
- Competitive interest rates to grow your savings.
- Unlock even higher rates with an eligible checking account and combined qualifying balances.
- Waive your monthly maintenance fee when you maintain a U.S. Bank Smartly® Checking or Safe Debit account.
- Access to easy-to-use digital budgeting tools to help you monitor all your accounts and set clear financial goals.
Member FDIC.
- Minimum Deposit to Open: $25
High Yield Savings - Up to 0.61% APY
- 0.61% APY on balance < $25,000
- 0.25% APY on balance $25K-$100K
- 0.15% APY on balance > $100K
- No monthly maintenance fees
- No minimum balance requirements
- $250 minimum opening deposit
- Free incoming wires
- Zero minimum balance requirement
- Minimum Deposit to Open: $250
Current Savings - Up to 4.00% bonus
- 4.00% bonus on up to $6,000 balance if you receive and maintain a qualifying direct deposit of $200 or more in a rolling 35 day period. (Otherwise, 0.25%)
- Simply add money to your Savings Pods and enable the Boost feature.
- Earn bonus on up to 3 Savings Pods, up to $2,000 balance each.
- Bonuses accumulate daily.
Empower Personal Cash
- 4.70% APY
- $0 monthly fee
- Withdraw up to $100k per day
- Minimum Deposit to Open: $0
Earn 9x National Average
Save smart and earn 4.00% APY at CIT Bank, a CreditDonkey recommended partner.
- Minimum Deposit to Open: $100
High Yield Savings
- FDIC or NCUA insured
- No fees
- $1 minimum deposit
- 24/7 online access to funds
Compare Money Market Accounts
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Money market accounts offer some of the highest APYs available. And as a cross between a checking and high-yield savings account, they're a risk-free way to boost your savings. In exchange for a better interest rate, you must maintain a higher balance.
Major perks of money market accounts include:
- Higher interest rates
- No maturity dates or early withdrawal penalties
- FDIC-insured up to $250,000
Money market accounts are awesome for building an emergency fund and short-term money goals.
Money Market Deposit Account - 4.55% APY
- $1 minimum deposit
- No fees
- 24/7 online access to funds
- FDIC insured
- Minimum Deposit to Open: $1
Money Market Deposit Account - 4.52% APY
- $1 minimum deposit
- No fees
- 24/7 online access to funds
- FDIC insured
- Minimum Deposit to Open: $1
Money Market Account - 4.51% APY
- No fees
- $1 minimum deposit
- 24/7 online access to funds
- FDIC insured
- Minimum Deposit to Open: $1
Money Market Deposit Account - 4.46% APY
- $1 minimum deposit
- No fees
- 24/7 online access to funds
- FDIC insured
- Minimum Deposit to Open: $1
Money Market Deposit Account - 4.46% APY
- $1 minimum deposit
- No fees
- 24/7 online access to funds
- NCUA insured
- Minimum Deposit to Open: $1
Money Market Deposit Account - 4.45% APY
- $1 minimum deposit
- No fees
- 24/7 online access to funds
- Federally insured by NCUA
- Minimum Deposit to Open: $1
Money Market Deposit Account - 4.40% APY
- $1 minimum deposit
- No fees
- 24/7 online access to funds
- FDIC insured
- Minimum Deposit to Open: $1
Money Market Deposit Account - 4.40% APY
- $1 minimum deposit
- No fees
- 24/7 online access to funds
- Federally insured by NCUA
- Minimum Deposit to Open: $1
Money Market Deposit Account - 4.40% APY
- $1 minimum deposit
- Federally insured by NCUA
- Minimum Deposit to Open: $1
Money Market Deposit Account - 4.36% APY
- No fees
- $1 minimum deposit
- 24/7 online access to funds
- FDIC insured
- Minimum Deposit to Open: $1
Money Market Deposit Account - 4.30% APY
- $1 minimum deposit
- No fees
- 24/7 online access to funds
- FDIC insured
- Minimum Deposit to Open: $1
Money Market Deposit Account - 4.30% APY
- No fees
- $1 minimum deposit to open
- 24/7 online access to funds
- Federally insured by NCUA
- Minimum Deposit to Open: $1
Money Market Deposit Account - 4.26% APY
- No fees
- $1 minimum deposit
- 24/7 online access to funds
- FDIC insured
- Minimum Deposit to Open: $1
Money Market Deposit Account - 4.25% APY
- No fees
- $1 minimum deposit
- 24/7 online access to funds
- Federally insured by NCUA
- Minimum Deposit to Open: $1
Money Market Deposit Account - 4.15% APY
- $1 minimum deposit
- No fees
- 24/7 online access to funds
- FDIC insured
- Minimum Deposit to Open: $1
Money Market Deposit Account - 4.15% APY
- No fees
- $1 minimum deposit
- FDIC insured
- Minimum Deposit to Open: $1
Money Market Deposit Account - 4.10% APY
- No fees
- $1 minimum deposit
- 24/7 online access to funds
- FDIC insured
- Minimum Deposit to Open: $1
Money Market Deposit Account - 3.56% APY
- $1 minimum deposit
- No fees
- 24/7 online access to funds
- FDIC insured
- Minimum Deposit to Open: $1
Money Market Account
- Earn 3.60% APY for balances under $100,000
- Earn 3.65% APY for balances $100,000 and over
- Minimum Deposit to Open: $0
Money Market Account - 4.75% APY
- Earn 4.75% Annual Percentage Yield
- No monthly maintenance or overdraft fees
- $100 minimum deposit required to open an account
- Minimum Deposit to Open: $100
Platinum Business Money Market Account - Up to 3.50%
Receive a bonus interest rate up to 3.50% from the account opening date when you open a new Platinum Business Money Market Account and complete qualifying activities, subject to certain terms and limitations. Member FDIC.
Offer is limited to Business Platinum Money Market account only. Standard variable interest rates are determined at the bank's discretion and are subject to change at any time without notice. Speak to a banker for current deposit rates, disclosures on rates, compounding and crediting and other balance information. The minimum deposit required to open a Platinum Business Money Market account is $100.
Interest and Fee Information: You must maintain the minimum balance needed for each tier to earn the interest rate. Interest will be compounded daily and credited to your account monthly at the end of the statement cycle. Fees could reduce earnings on the account. Other restrictions may apply.
Offer details: Starting September 23, 2024, open a new U.S. Bank Platinum Business Money Market account and receive a bonus interest rate from the account opening date. All Bonus interest rates may change at any time without notices. The following bonus interest rates are accurate as of today:
- The bonus interest rate will be 3.50% when your account balance tier is $50,000 to $2,999,999.99.
For Platinum Business Money Market accounts with $3 million or greater in balances, the bonus interest rate does not apply, and the full account balance will earn the standard variable interest rate in effect at that time until the account balance is $2,999,999.99 or below.
- Minimum Deposit to Open: $100
CIT Bank Money Market Account - 1.55% APY
- 1.55% APY
- $100 minimum opening deposit
- No monthly maintenance fee
- Member FDIC
- Minimum Deposit to Open: $100
Money Market Deposit Account - 2.00% APY
- No fees
- $1 minimum deposit
- 24/7 online access to funds
- Federally insured by NCUA
- Minimum Deposit to Open: $1
Business Money Market - 0.20% APY
- New business owners get a $200 welcome bonus!
- Earn 0.20% APY
- $1,000 minimum opening deposit
- No monthly maintenance fee with average daily balance of at least $5,000
- Minimum Deposit to Open: $1,000
Compare CD Rates
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CD accounts are best for short-term savings goals. You can save up for a vacation or new car without being tempted to dip into your funds early.
They pay higher interest rates than traditional savings accounts. But your money's tied up for a period of time. You can choose a term as short as three months or as long as five years. The longer the term, the bigger the returns. And the best CD rates are usually at online banks.
Note, if you decide to withdraw money sooner, you'll be penalized a few months' worth of interest.
High-Yield CD Rates - Up to 4.50% APY
- No fees
- $1 minimum deposit
- FDIC insured
| Term | CD Rates |
|---|---|
| 3 Month | 4.50% APY |
| 5 Month | 4.40% APY |
| 6 Month | 4.40% APY |
| 9 Month | 4.35% APY |
| 12 Month | 4.25% APY |
- Minimum Deposit to Open: $1
12-Month No-Penalty CD - 4.25% APY
- $1 minimum deposit
- 24/7 online access
- Federally insured by NCUA
- Minimum Deposit to Open: $1
Certificate of Deposit
- 4.00% APY for 12-month term
- 3.80% APY for 18-month term
- 3.40% APY for 36-month term
- 3.40% APY for 5-year term
- Minimum Deposit to Open: $0
CIT Bank Term CDs - Up to 3.50% APY
- Up to 3.50% APY
- $1,000 minimum opening deposit
- No monthly maintenance fee
- Member FDIC
| Term | CD Rates |
|---|---|
| 6 Month | 3.00% APY |
| 1 Year | 0.30% APY |
| 13 Month | 3.50% APY |
| 18 Month | 3.00% APY |
| 2 Year | 0.40% APY |
| 3 Year | 0.40% APY |
| 4 Year | 0.50% APY |
| 5 Year | 0.50% APY |
- Minimum Deposit to Open: $1,000
12-Month High-Yield CD - 4.00% APY
- $1 minimum deposit
- No fees
- 24/7 online access to funds
- Federally insured by NCUA
- Minimum Deposit to Open: $1
5-Month No Penalty CD - 4.00% APY
- $1 minimum deposit
- No fees
- Deposits federally insured up to at least $250,000 by NCUA
- Minimum Deposit to Open: $1
12-Month No-Penalty CD - 3.75% APY
- $1 minimum deposit
- No fees
- 24/7 online access to funds
- FDIC insured
- Minimum Deposit to Open: $1
15-Month High-Yield CD - 3.75% APY
- No fees
- $1 minimum deposit
- 24/7 online access to funds
- Federally insured by NCUA
- Minimum Deposit to Open: $1
CD Rates - Up to 4.25% APY
- $500 minimum opening deposit
- FDIC insured
| Term | CD Rates |
|---|---|
| 6 Month | 4.25% APY |
| 12 Month | 4.00% APY |
| 24 Month | 3.35% APY |
| 36 Month | 3.25% APY |
| 60 Month | 3.00% APY |
- Minimum Deposit to Open: $500
CD Rates
- Low minimum deposit of only $1,000; no maximum
- Jumbo certificates may be available for a higher rate if you deposit $75,000 or more
- Funds are insured up to $250,000 by NCUA
| Term | APY |
|---|---|
| 3-month | 3.10% |
| 6-month | 4.00% |
| 12-month | 4.10% |
| 18-month | 3.80% |
| 24-month | 3.70% |
| 36-month | 3.65% |
| 48-month | 3.65% |
| 60-month | 3.65% |
- Minimum Deposit to Open: $1,000
60-Month Callable CD - 4.42% APY
- No fees
- $1 minimum deposit
- 24/7 online access to funds
- FDIC insured
- Minimum Deposit to Open: $1
9-Month High-Yield CD - 4.08% APY
- $1 minimum deposit
- No fees
- 24/7 online access to funds
- FDIC insured
- Minimum Deposit to Open: $1
14-Month No Penalty CD - 3.95% APY
- No fees
- $1 minimum deposit
- FDIC insured
- Minimum Deposit to Open: $1
12-Month High-Yield CD - 1.25% APY
- No fees
- $1 minimum deposit
- 24/7 online access to funds
- Federally insured by NCUA
- Minimum Deposit to Open: $1
1-Month High-Yield CD - 4.51% APY
- $1 minimum deposit
- No fees
- 24/7 online access to funds
- NCUA insured
- Minimum Deposit to Open: $1
1-Month High-Yield CD - 4.50% APY
- $1 minimum deposit
- No fees
- 24/7 online access to funds
- FDIC insured
- Minimum Deposit to Open: $1
24-Month Callable CD - 4.45% APY
- $1 minimum deposit
- No fees
- 24/7 online access to funds
- FDIC insured
- Minimum Deposit to Open: $1
1-Month High-Yield CD - 4.40% APY
- $1 minimum deposit
- No fees
- 24/7 online access to funds
- FDIC insured
- Minimum Deposit to Open: $1
6-Month High-Yield CD - 4.31% APY
- $1 minimum deposit
- No fees
- 24/7 online access to funds
- FDIC insured
- Minimum Deposit to Open: $1
3-Month High-Yield CD - 4.30% APY
- $1 minimum deposit
- No fees
- 24/7 online access to funds
- FDIC insured
- Minimum Deposit to Open: $1
3-Month High-Yield CD - 4.21% APY
- No fees
- $1 minimum deposit
- 24/7 online access to funds
- FDIC insured
- Minimum Deposit to Open: $1
1-Month High-Yield CD - 4.15% APY
- $1 minimum deposit
- No fees
- 24/7 online access to funds
- FDIC insured
- Minimum Deposit to Open: $1
1-Month High-Yield CD - 4.15% APY
- $1 minimum deposit
- No fees
- 24/7 online access to funds
- FDIC insured
- Minimum Deposit to Open: $1
11-Month High-Yield CD - 3.98% APY
- No fees
- $1 minimum deposit
- 24/7 online access to funds
- FDIC insured
- Minimum Deposit to Open: $1
9-Month High-Yield CD - 3.85% APY
- $1 minimum deposit
- No fees
- 24/7 online access to funds
- FDIC insured
- Minimum Deposit to Open: $1
10-Month High-Yield CD - 3.80% APY
- $1 minimum deposit
- No fees
- 24/7 online access to funds
- NCUA insured
- Minimum Deposit to Open: $1
5-Month High-Yield CD - 3.65% APY
- $1 minimum deposit
- No fees
- 24/7 online access to funds
- FDIC insured
- Minimum Deposit to Open: $1
14-Month High-Yield CD - 3.00% APY
- $1 minimum deposit
- No fees
- 24/7 online access to funds
- FDIC insured
- Minimum Deposit to Open: $1
6-Month High-Yield CD - 1.35% APY
- $1 minimum deposit
- No fees
- 24/7 online access to funds
- FDIC insured
- Minimum Deposit to Open: $1
13-Month High-Yield CD - 0.90% APY
- No fees
- $1 minimum deposit
- 24/7 online access to funds
- FDIC insured
- Minimum Deposit to Open: $1
Next up, take a look at business checking promotions. They don't come around nearly as often as personal checking bonuses. If you run a small business, take advantage of these limited time offers.
Compare Business Checking Accounts
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It's crucial to separate your personal and business finances for legal, tax and organizational purposes. But finding the right bank for your business isn't easy.
Small business owners should look for low fees/minimum balance and a personal, customer relationship. Some banks are also offering generous welcome bonuses for dedicated business bank accounts.
If you need more help on choosing the right account for you, check out this in-depth guide to the best business checking accounts.
Business Checking Account - $400 Bonus
- Earn $400 when you open a new small business checking account and complete qualifying activities.
- Choose between:
- Truist Simple Business Checking—Perfect if you're just starting out or have low transaction volume.
- Truist Dynamic Business Checking—With more perks as your balances grow—and a true, local partnership.
- New business checking clients only
- From October 1st, 2024 – March 31st 2025
- Minimum Deposit to Open: $100
Free Checking Account for Small Business Owners
- Sign up in 3 minutes; no credit check
- No account fees - $0 monthly fee, overdraft fee, foreign transaction fee, or ATM fees at approximately 40,000 locations
- Automatic Savings
- Get paid up to 2 days early
- Minimum Deposit to Open: $0
Chase Business Complete Banking® - $300 Bonus
- Earn $300 when you open a new Chase Business Complete Checking® account. For new Chase business checking customers with qualifying activities.
- Multiple ways to waive the $15 Monthly Service Fee, including maintaining a minimum daily balance or purchases on your Chase Ink® Business credit card.
- Full-service business banking. Convenient access to all your business banking services in one place -- lending, checking, credit card and payment solutions.
- Your choice of payment types. Choose from a full range of options for accepting payments and making deposits that include Zelle®, Online Bill Pay, wire transfers and ACH payments.
- Convenient access to payment processing. Process all major debit and credit cards with QuickAccept®. It's a built-in feature with your Business Complete Checking account.
- Get support you can rely on. Get access to our customer support team, plus a wide array of solutions that carter to every stage of your business
- Full-featured banking online and on-the-go. Manage your business' finances on your terms with the latest online and mobile banking technology.
- Associate Debit and Employee Deposit Cards available upon request
- Minimum Deposit to Open: $0
- Direct Deposit Required: No
Bank of America® Business Advantage Banking Checking Account - $200 Bonus Offer
- The $200 bonus offer is an online only offer and must be opened through the Bank of America promotional page.
- The offer is for new eligible business checking customers only.
- Offer expires 12/31/2025.
- To qualify, deposit $5,000 or more in New Money* directly into a new eligible Bank of America Business Advantage Banking account within thirty (30) days of account opening.
- Maintain an average balance of $5,000 in that new Business Advantage Banking account during the Maintenance Period**.
- Once all requirements are met, Bank of America will attempt to pay bonus within 60 days.
- Additional terms and conditions apply. See offer page for more details.
- *New Money is new funds deposited into your business checking account that are not transfers from other Bank of America deposit accounts or
Merrill investment accounts.
- ** The Maintenance Period begins thirty-one (31) calendar days after account opening and ends ninety (90) calendar days after account opening.
- Bank of America, N.A. Member FDIC
Silver Business Checking account - $400 Bonus
Promo code Q4AFL24 MUST be used when opening a U.S. Bank Silver, Platinum, or Business Essentials (Available in AZ, NV, CO, NM, OH, IN, KY and TN) Business Checking account. Limit of one Business Checking bonus per business. A $100 minimum deposit is required to open one of the referenced accounts.
Earn your $400 Business Checking bonus by opening a new U.S. Bank Silver Business Checking or Business Essentials (not available in all markets) account between 10/1/2024 and 1/15/2025. You must make deposit(s) of at least $5,000 in new money within 30 days of account opening and thereafter maintain a daily balance of at least $5,000 until the 60th day after account opening.
New money is considered money that is new to U.S. Bank. Funds must come from outside U.S Bank and cannot be transferred from another U.S. Bank product or a U.S. Bank Affiliate. Checking account fees (e.g., monthly maintenance, paper statement fee, etc.) could reduce the qualifying daily balance, therefore you must make deposit(s) to cover the fees to maintain the daily balance during the qualifying period to be awarded the bonus. Refer to the Business Pricing Information or Business Essentials® Pricing Information Document for a list of fees.
The business checking bonus will be deposited into your new eligible U.S. Bank Business Checking account within 30 days following the last calendar day of the month you complete all of the offer requirements, as long as the account is open and has a positive available balance.
Offer may not be combined with any other business checking account bonus offers. Existing customers (businesses) with a business checking account or customers (businesses) who had an account in the last 12 months, do not qualify.
All regular account-opening procedures apply. For a comprehensive list of checking account pricing, terms and policies, reference your Business Pricing Information or Business Essentials® Pricing Information and YDAA disclosure. This document can be obtained by contacting a U.S. Bank branch or calling 800.872.2657.
Bonus will be reported as interest earned on IRS Form 1099-INT and recipient is responsible for any applicable taxes. Current U.S. Bank employees are not eligible. U.S. Bank reserves the right to withdraw this offer at any time without notice. Member FDIC.
- Minimum Deposit to Open: $100
North One Free Business Banking
- Business banking for teams
- Automatic invoice ingestion and payments
- Sales and revenue analytics
- Unlimited account envelopes
- Close to 100 integrations
- Over $5000 in perks for new customers
- No monthly fees, no application fees, no minimum balance
North One is a financial technology company, not a bank. Banking services provided by The Bancorp Bank, Member FDIC.
- Minimum Deposit to Open: $50
Free Business Checking - Earn $300 Bonus
To earn the $300 bonus, customers must apply for a Bluevine Business Checking account anytime between now and 12/31/2024 using the referral code CD300.
After opening the account, customers must add funds within 30 days, then meet at least one of the following eligibility requirements every 30 days for the next 90 days from account funding:
- Deposit at least $5,000 from eligible merchant services to your Bluevine account OR
- Make at least $5,000 of outbound payroll payments from your Bluevine account using eligible payroll providers OR
- Spend at least $2,000 with your Bluevine Business Debit Mastercard® and/or Bluevine Business Cashback Mastercard®
Banking services provided by Coastal Community Bank, Member FDIC
- Minimum Deposit to Open: $0
Free Business Checking - Up to 1.5% APY
- 1.5% APY on your balance up to $250,000 for customers that meet monthly eligibility requirements
- $0 minimum opening deposit
- $0 monthly service fee
- Minimum Deposit to Open: $0
Free Checking Account for Small Business Owners
- $0 monthly service fees
- $0 minimum opening deposit
- No minimum balance requirement
- No foreign exchange fee
- Get direct deposits up to 2 days earlier
- Minimum Deposit to Open: $0
No-Fee Business Checking
- $0 monthly service fee
- $0 minimum opening deposit
- Open up to 20 individual business checking accounts
- Earn up to 3% APY with automated savings
- Issue up to 50 Visa® debit cards to your team
- Minimum Deposit to Open: $0
Free Business Banking for the Self-Employed
- Banking, taxes, bookkeeping – all in one place
- Automatically find tax write-offs and save for taxes
- Track and categorize expenses with custom rules
- Free unlimited custom invoices
- Easy sign up; no credit check
- Minimum Deposit to Open: $0
Free Business Banking for the Self-Employed
- $0 monthly service fees or minimums
- Automatically find tax write-offs and track expenses
- Auto-save for taxes
- Photo receipt capture
- Free unlimited custom invoices
- Easy sign up; no credit check
- Minimum Deposit to Open: $0
Free Business Checking
- $0 monthly service fee
- $50 deposit to unlock all features
- ATM fee refunds up to $7 per month
- Minimum Deposit to Open: $50
Spend $1500 with your Novo card within 90 days, and get $75
- $0 monthly service fee
- $50 deposit to unlock all features
- ATM fee refunds up to $7 per month
- Minimum Deposit to Open: $50
Free Checking Account for Small Business Owners
- $0 monthly service fees
- Automatic Savings
- Free withdrawals at approximately 40,000 ATMs
- Get direct deposits up to 2 days earlier
- No foreign transaction fees
- Minimum Deposit to Open: $0
Free Business Checking - Up to 1.5% APY
- 1.5% APY on balances up to $250,000 for eligible customers
- Unlimited transactions
- 5 free subaccounts with unique account numbers
- 2 free checkbooks per year
- $0 monthly service fee
- Minimum Deposit to Open: $0
Free Business Checking
- $0 monthly service fee
- ATM fee refunds up to $7 per month
- Free ACHs, incoming wires, and mailed checks
- Up to 20 Reserves to manage multiple budgets
- Thousands of app integrations
- Minimum Deposit to Open: $50
Premier Business Checking - Up to 4.0% APY
- 4.0% APY on balances up to $3,000,000
- $0 minimum opening deposit
- 50% off most Standard payment fees
- Priority customer support
- Waive the $95 monthly service fee with $100k average daily balance and $5k debit card spend
- Minimum Deposit to Open: $0
Plus Business Checking - Up to 3.0% APY
- 3.0% APY on balances up to $250,000
- $0 minimum opening deposit
- 20% off most Standard payment fees
- Waive the $30 monthly service fee with $20k average daily balance and $2k debit card spend
- Minimum Deposit to Open: $0
Platinum Business Checking account - $900 Bonus
Promo code Q4AFL24 MUST be used when opening a U.S. Bank Silver, Platinum, or Business Essentials (Available in AZ, NV, CO, NM, OH, IN, KY and TN) Business Checking account. Limit of one Business Checking bonus per business. A $100 minimum deposit is required to open one of the referenced accounts.
Earn your $900 Business Checking bonus by opening a new U.S. Bank Platinum Business Checking account between 10/01/2024 and 1/15/2025. You must make deposit(s) of at least $30,000 in new money within 30 days of account opening and thereafter maintain a daily balance of at least $30,000 until the 60th day after account opening.
New money is considered money that is new to U.S. Bank. Funds must come from outside U.S Bank and cannot be transferred from another U.S. Bank product or a U.S. Bank Affiliate. Checking account fees (e.g., monthly maintenance, paper statement fee, etc.) could reduce the qualifying daily balance, therefore you must make deposit(s) to cover the fees to maintain the daily balance during the qualifying period to be awarded the bonus. Refer to the Business Pricing Information or Business Essentials® Pricing Information Document for a list of fees.
The business checking bonus will be deposited into your new eligible U.S. Bank Business Checking account within 30 days following the last calendar day of the month you complete all of the offer requirements, as long as the account is open and has a positive available balance.
Offer may not be combined with any other business checking account bonus offers. Existing customers (businesses) with a business checking account or customers (businesses) who had an account in the last 12 months, do not qualify.
All regular account-opening procedures apply. For a comprehensive list of checking account pricing, terms and policies, reference your Business Pricing Information or Business Essentials® Pricing Information and YDAA disclosure. This document can be obtained by contacting a U.S. Bank branch or calling 800.872.2657.
Bonus will be reported as interest earned on IRS Form 1099-INT and recipient is responsible for any applicable taxes. Current U.S. Bank employees are not eligible. U.S. Bank reserves the right to withdraw this offer at any time without notice. Member FDIC.
- Minimum Deposit to Open: $100
Free Checking Account for Small Business Owners
- $0 monthly fee
- $0 minimum balance
- No ATM fee at approximately 40,000 locations
- Automatic Savings
- Get paid up to 2 days early
- No overdraft fees
- No foreign transaction fees
- Minimum Deposit to Open: $0
Basic Business Checking - Up to $400 Bonus
- Business owners get up to $400 welcome bonus!* Open a business checking account by January 31, 2025 and get up to $400 when you use promo code NEW400 on your application.*
- No initial deposit requirement
- No minimum balance requirement
- No monthly maintenance fees
- Free domestic incoming wires. Two (2) outgoing domestic wire fees reimbursed per month.
- Unlimited domestic ATM fee reimbursements
- Unlimited item processing (debits, credits, and deposited items)
- Cash deposits via MoneyPass and AllPoint networks
- Minimum Deposit to Open: $0
- Direct Deposit Required: No
Business Advantage Relationship Banking
- No fee for first 500 transactions per statement cycle
- No fee for first $20,000 in cash deposited per statement cycle
- Multiple ways to avoid the $29.95 monthly fee
- Minimum Deposit to Open: $100
Business Advantage Fundamentals™ Banking
- No fee for first 20 transactions per statement cycle
- No fee for first $5,000 in cash deposited per statement cycle at an ATM or Financial Center
- Minimum Deposit to Open: $100
North One Plus Business Banking
- Priority email/chat support
- Dedicated relationship manager
- Implementation and onboarding assistant
- $0 same-day ACH payments, bill payments, and physical checks
- Lowest transaction fees
- $50 minimum opening deposit
- $20 monthly fee
- Minimum Deposit to Open: $50
North One Free Business Banking
- Unlimited envelopes for all your business budgets
- Integrations with popular accounting and payment processing apps
- Automate your bill payments
- $50 minimum opening deposit
- Minimum Deposit to Open: $50
Business Interest Checking - 1.01% APY
- Interested in a $400 welcome bonus? Start growing your business and get up to $400 when you open a Business Interest Checking account by January 31, 2025. Just use promo code NEW400 on your application.**
- Up to 1.01% APY**
- $100 minimum opening deposit
- Pay no monthly maintenance fee with an average daily balance of at least $5,000
- Unlimited domestic ATM fee reimbursements
- Up to 100 free items per month, $0.50 per item thereafter (includes debits, credit, and deposited items)
- Up to 60 items per month for Remote Deposit Anywhere (includes monthly per item processing limitation)
- Free online banking, image statements, and Bill Pay
- Minimum Deposit to Open: $100
Lili Pro Business Checking
- $15.00 monthly service fee (30 day free trial)
- Track write-offs with a swipe
- Auto-save for taxes
- Savings with 3.65% APY
- Cashback with selected merchants
- Fee-free Overdraft up to $200
- Minimum Deposit to Open: $0
Found Plus Business Banking
- $19.99/month or $149.99/year
- Earn 1.5% APY on balances up to $20,000
- Auto-import expense from receipt
- Automatically find tax write-offs and track expenses
- Pay taxes directly from the app
- Free unlimited custom invoices
- Custom bookkeeping categories
- Priority customer support
- Minimum Deposit to Open: $0
Bottom Line
Seriously, everyone could use some extra cash. And that bonus money is a great way to kickstart your shiny new bank account.
Bank promotions are constantly updated throughout the year - so be sure to bookmark this page. You can compare these offers with other popular bank bonuses.
Note: This website is made possible through financial relationships with some of the products and services mentioned on this site. We may receive compensation if you shop through links in our content. You do not have to use our links, but you help support CreditDonkey if you do.
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