15 best new bank account promotions and bonuses for July 2026: Earn up to $3,000

Banner Bank will monitor the balances maintained in your account during the qualification period to determine bonus amount paid, if applicable. For more details, check out our terms and conditions (PDF). Banking writers and editors use an objective methodology to rate banks, credit unions, and other providers, and to recommend the best products. The information related to Citi checking accounts and Wells Fargo Clear Access Banking has been collected by NerdWallet and has not been reviewed or provided by the issuers or providers of these products or services.

• We’re here to help with options and answers you need from being pre-approved to purchase your first home to refinancing your mortgage.
• Ruth Sarreal is an editor and content strategist covering consumer banking topics at NerdWallet.
• If you’ve followed the eligibility requirements, your cash bonus will be paid into your Spending Account within 30 days after you reach the second consecutive monthly $1,000 QDD minimum.
• BONUS EARNED will be paid within 120 days from account opening
• Tony began his NerdWallet career as a writer and worked his way up to editor and then to head of content on the banking team.
• Set up qualifying direct deposits of at least $1,000 a month for two consecutive months.

The actions required for this bonus are separate from the actions available to avoid the monthly service fee. Neither TD Bank US Holding Company, nor its subsidiaries or affiliates, is responsible for the content of the third-party sites hyperlinked from this page, nor do they guarantee or endorse the information, recommendations, products or services offered on third party sites. Upon the primary account holder’s 24th birthday the account will be subject to the monthly maintenance fee unless account requirements that waive the monthly maintenance fee are met. 4TD Beyond Checking accounts are eligible for monthly maintenance fee waivers on all personal savings accounts that you choose to link to your TD Beyond Checking account. To learn more about how your data is collected and used, please read our privacy notice. After you have met the above requirements, we’ll deposit the bonus into your new account within 30 days.
You can always call your bank or read your account’s terms and conditions to learn more about your bonus and when you can expect a payout. Read your account’s terms and conditions to learn more about how closing your account will impact your bonus and when you may be able to do so without being penalized. Your account must remain open in order for you to receive the reward, which will be credited to the eligible account within 60 to 90 days after all conditions have been met. Rewards are paid after each Eligibility Period ends, provided all requirements for that Eligibility Period were met.
ACH transfers from an account you have at another financial institution or internal transfers from another Ally Bank account are not considered a QDD. One bonus per customer and only one bonus paid per account. To be paid, make sure you keep your Spending Account open and in Good Standing through the payout.

What do the best bank bonuses have in common?

Open a personal checking account, set up direct deposit and meet all deposit and balance requirements1 to earn your bonus. Receive a $250 or $500 bonus for each new personal account—or up to $1,000 when you open checking and savings accounts. Deposit products are offered by Ally Bank, Member FDIC.

• Other deposits or credits to your account, such as deposits of funds from person-to-person payments services (e.g., Zelle®), check or mobile deposits, and other online transfers are not eligible for TD Early Pay.
• The Fed also lowered the rate three times in late 2024 after increasing the rate four times in 2023 and seven times in 2022.
• For providers without one or more types of accounts, the overall rating is modified to include only applicable categories.
• Once you have met all requirements, we will deposit the bonus into your new account within 30 calendar days.
• There are no monthly fees or minimum deposit requirements for the account, and it earns a small amount of interest (0.10%) which beats the 0% you get from most other checking accounts.
• Bonus$50 or $400 Earn $50 or $400 with eligible direct deposit.

Grow your savings with 4.00% APY1 — 10X the national average3

We’re here to help with options and answers you need from being pre-approved to purchase your first home to refinancing your mortgage. If you’d like to open a new account, we’re here to help with current rates, term options and more. Hundreds of hometown locations in Illinois, Minnesota & Wisconsin.

Chime® Checking Account: Up to $300 bonus

Keep reading to find out answers to commonly asked questions about checking account bonuses and other bank promotions. That’s because we curate a list that’s limited to what our experts think are the very best options for our readers. Check out NerdWallet’s picks for the best savings accounts The number of checking and/or savings accounts you should have will depend on a few factors. That includes what fees might be incurred and how long you might have to wait for the bonus to be paid.

Three great options. Unlimited possibilities.

To qualify for the personal savings offer, you must not already have a personal savings or money market account with Banner Bank. To qualify for the personal checking offer, you must not already have a personal checking account with Banner Bank. Earn interest, enjoy relationship pricing, get unlimited reimbursements on any ATM in the U.S and options to waive the monthly service charge.

Here’s how to earn your $600 checking account bonus.

We’ve rounded up additional excellent checking account bonuses and savings account promotions below. In 2026, checking account bonus offers could land you between $100 and $3,000. Tony began his NerdWallet career as a writer and worked his way up to editor and then to head of content on the banking team. She previously edited content on personal finance topics at GOBankingRates. Ruth Sarreal is an editor and content strategist covering consumer banking topics at NerdWallet. We’re here to help with flexible savings and investing options to keep your cash working while you focus on your business.
Maintain the required balance of at least $10,000 for 90 additional days from the 20th day after account opening.
Read the promotion details above to understand all the rules and requirements to earn the checking account bonus, including a super steep minimum transfer amount that betmica may not be worthwhile. A previous bonus offered new checking customers the opportunity to earn a $200 Chase checking account bonus by opening a Chase Total Checking® account and meeting requirements. Open a no monthly maintenance fee Access Checking account, or view our other checking account options.