If you need a new checking account, banks from coast to coast are offering attractive promotional bonuses to lure your business. A bank checking account bonus usually consists of cash deposited into your account after you open a new account and meet certain criteria within a specified timeframe, including making a minimum deposit, setting up a direct deposit, or making a set number of debit card or bill payments.
This list focuses on higher-dollar personal checking account offers at banks with a national or significant regional presence. It is by no means exhaustive, and some will be limited to customers in certain states. You’ll want to check with smaller local banks you’re considering to see whether they have any promotions, too. If you know of a great offer we’re missing, let us know in the comments below.
You’ll note that many of the accounts below require you to jump through some hoops to avoid monthly fees. If you’d rather not deal with that headache, check out our post on the Best Free Checking Accounts.
If you’re also in the market for savings options, we offer advice on the Best High-Interest Savings Accounts and the Best Money Market Accounts. If you’re considering CDs, read up on How to Find the Best CD Rates.
Nationwide and Online Offers
Chase: Up to $150 bonus for new checking customers
If you’re new to Chase bank, you can nab $150 for opening a new Chase Total Checking account. To take advantage of the Chase checking account bonus, you’ll need to deposit $25 or more when you open the account, as well as hook up direct deposit within 60 days.
Chase will waive the $12 monthly service fee on its Total Checking accounts if you either:
- receive at least $500 in direct deposits every month in the account,
- maintain a daily balance of at least $1,500, or
- maintain an average balance of at least $5,000 across qualifying Chase accounts.
Chase has more than 5,000 branches nationwide, including most of the West and Midwest, and more than 15,500 ATMs. You’ll also get free online banking, mobile banking, and bill pay as well as a debit card with chip technology.
Bank of America: $100 for new checking customers
Anyone who doesn’t already have a personal checking account with Bank of America can receive a $100 bonus by opening a new account by the end of the year. You’ll need to use promo code BAW100N when you open the account, and have to set up and maintain direct deposits of at least $2,000 a month for 90 days.
Bank of America’s Core Checking has a $12 monthly service fee that can be waived if you:
- hook up at least one direct deposit of at least $250,
- keep an average daily balance of at least $1,500, or
- are a Bank of America Preferred Rewards client.
You’ll also have online bill pay, a debit card with embedded chip technology, access to the Keep the Change savings program, and a network of more than 16,000 ATMs. Bank of America has more than 5,000 branches nationwide.
PNC Bank: Up to $300 for new checking customers
PNC Bank will give you a $50, $200, or $300 bonus until Aug. 31 depending on how much you hook up in direct deposits to your new Virtual Wallet checking account. In the first 60 days of having your account, you’ll need to hook up $500 in direct deposits for a $50 bonus, $2,000 for a $200 bonus, or $5,000 for a $300 bonus. You’ll also need to make at least one payment with PNC online bill pay.
The monthly service charge of $7 can be waived if you:
- maintain an average monthly balance of $500,
- have at least $500 in monthly direct deposits or
- make all deposits and withdrawals via ATMs or online and mobile banking.
You’ll get a free Visa debit card, free online bill pay and mobile banking, and access to more than 8,000 ATMs. PNC will also reimburse two non-PNC ATM fees per statement period. PNC has 2,600 branches in 19 states and Washington, D.C.
TIAA Direct: $150 for new checking customers
Use promo code 65DD150 through Aug. 31, 2015 when you open an Interest Checking account at online bank TIAA Direct, and receive a $150 bonus when you hook up at least $2,500 in direct deposits within 90 days.
Minimum opening deposit is $100, and there are no monthly maintenance fees. Account features include mobile check deposit, reimbursement of ATM fees up to $15 a month, and an APY of 0.05% to 0.15%, depending on your balance.
EverBank: 1.60% APY bonus rate for new checking customers
Open a Yield Pledge Checking account with EverBank, and you’ll receive a 1.60% APY bonus rate for the first six months on balances up to $100,000. After that, your rate will adjust to anywhere from 0.30% to 0.61% APY, depending on your balance.
You’ll need at least $1,500 to open the account. There is no monthly fee, and you’ll receive free online bill pay and mobile check deposits. EverBank also reimburses fees from ATMs nationwide.
Discover Bank: $50 for existing customers
Existing Discover card or non-checking Discover Bank customers can receive a $50 bonus for opening a Cashback Checking account until Sept. 15, 2015. There is no minimum deposit required, and the account has no monthly fee — no strings attached.
You’ll also have free access to a massive network of 60,000 ATMs, free online bill pay, free checks, and assorted other perks. The biggest might be getting 10 cents back on every debit-card purchase, check, or online bill payment, up to 100 transactions a month. That could put up to $120 back in your pocket each year.
Regional Offers
SunTrust Bank: Up to $200 for new checking customers
SunTrust Bank will give you a $100 or $200 bonus until Oct. 12, 2015, for opening a new Essential Checking or Select Checking account, respectively.
You’ll need the code ONLINECHK100 for the $100 offer, and must hook up $500 or more in direct deposits within 60 days. You’ll need the code ONLINECHK200 for the $200 offer, and must set up $2,000 or more in direct deposits within 60 days. Minimum opening balance for both accounts is $100.
To avoid a $7 monthly maintenance fee with Essential Checking, you’ll need either:
- 10 transactions per statement,
- $500 or more in direct deposits per statement, or
- at least a $500 daily balance.
For Select checking, the minimum daily balance is $2,000, or $2,000 in direct deposits to avoid a $15 monthly fee.
Benefits include free online banking and bill pay, a Mastercard debit card, free access to more than 2,500 ATMs, and no-fee person-to-person payments. SunTrust has more than 1,500 branches primarily in Florida, Georgia, Maryland, North Carolina, South Carolina, Tennessee, Virginia, and Washington, D.C.
Fifth Third Bank: $150 for new checking customers
Open a new Essential Checking account with Fifth Third Bank until Oct. 17, 2015, and you can receive a $150 bonus. Fifth Third will also donate $150 to Stand Up to Cancer.
You’ll need to make a minimum opening deposit of at least $50, link up direct deposit, and make three online bill payments within 90 days. Essential Checking has an $11 monthly fee that can be waived if you maintain a $1,500 monthly average balance across your Fifth Third checking and savings accounts.
Account perks include unlimited check writing, free online banking and bill pay, and free access to more than 2,400 ATMs. Fifth Third has more than 1,300 branches in Florida, Georgia, Illinois, Indiana, Kentucky, Michigan, Missouri, North Carolina, Ohio, Pennsylvania, Tennessee, and West Virginia.
Citizens Bank: $150 for new checking customers
Citizens Bank is offering a $150 bonus for new One Deposit Checking customers. You’ll need to make an opening deposit of at least $25 and then make either one additional deposit or five qualifying debit card payments within 45 days. The account’s $9.99 monthly fee is waived as long as you make one deposit of any amount per statement period.
You’ll have free online banking and bill pay and access to more than 3,100 ATMs. Citizens has more than 1,200 branches in Connecticut, Delaware, Massachusetts, Michigan, New Hampshire, New Jersey, New York, Ohio, Pennsylvania, Rhode Island, and Vermont.
KeyBank: Up to $300 for new customers
KeyBank will give you a $100 or $300 bonus until Oct. 9, 2015 when you open certain types of KeyBank checking accounts.
For the $100 offer, open a Hassle-Free, Key Express, Key Advantage, Key Privilege, or Key Privilege Select account with code ONAS0615 and:
- make a direct deposit of $500 or more and
- make at least five total debit-card and bill payments within 60 days.
For the $300 offer, open a Key Advantage, Key Privilege, or Key Privilege Select account with code ONPA0615 and:
- make a direct deposit of $1,000 or more and
- make at least five total debit card and bill payments within 60 days.
Key’s basic Hassle-Free checking account has no monthly fee or minimum balance, free online banking and bill pay, and access to nearly 1,300 ATMs. There are nearly 1,000 branches in Alaska, Colorado, Idaho, Indiana, Kentucky, Maine, Michigan, New York, Ohio, Oregon, Utah, Vermont, and Washington.
Santander Bank: Up to $240 for new checking and saving customers
Open and link an extra20 checking and savings account at Santander Bank, and you could earn $20 a month (up to $240 a year) in bonuses.
To earn the bonus, you’ll need to set up at least $1,500 in direct deposits a month, which will earn you $10 for that month. You’ll also need to pay at least two bills with the bank’s online bill payment service each month to earn another $10.
The bonus goes into your savings account. You’ll need at least $25 to open the checking account and $10 to open the savings account. The checking account has a $10 service fee that you’ll only pay if you don’t maintain at least $1,500 in direct deposits.
Santander has about 700 branches and 2,100 ATMs in Connecticut, Delaware, Maryland, Massachusetts, New Hampshire, New Jersey, New York, Pennsylvania, and Rhode Island.
M&T Bank: $150 for new checking customers
Open a new MyChoice Checking account with M&T Bank, and receive a $150 bonus until Sept. 30, 2015. You’ll need to link up at least a $100 direct deposit within 90 days to receive the bonus. The account has a $6.95 monthly maintenance fee that can be waived with:
- direct deposits of at least $200 a month,
- 10 or more debit card purchases or payments each month, or
- an average monthly balance of at least $500.
You’ll receive free online banking and bill pay, and access to more than 1,500 ATMs. M&T has more than 650 branches in Delaware, Maryland, New York, Pennsylvania, Virginia, West Virginia, and Washington, D.C.
BMO Harris: $200 for new checking customers
New checking customers at BMO Harris can get a $200 bonus until Jan. 22, 2016, by opening an account with a deposit of at least $100 and hooking up at least $300 in monthly direct deposits. The bank’s Everyday Checking account has a $10 monthly maintenance fee that can be waived with at least $500 in direct deposits per statement period or a $1,000 minimum daily balance.
You’ll receive a debit card with chip technology, online banking and bill pay, and access to more than 1,300 ATMs. BMO Harris has more than 600 branches in Illinois, Wisconsin, Indiana, Kansas, Missouri, Minnesota, Arizona, and Florida.
First Citizens Bank: $200 for new checking customers
Customers who open a Premier or Prestige checking account with First Citizens Bank can receive a $200 bonus until Nov. 30, 2015. To receive the bonus, you’ll need to either hook up a direct deposit of at least $500, make 10 debit card purchases, or complete five bill payments or Popmoney transactions via online or mobile banking within 60 days. The minimum opening deposit is $100.
Premier checking has a $16 monthly fee and Prestige has a $20 monthly fee; both can be waived by meeting various criteria, including maintaining a daily balance of $5,000 or $25,000 across First Citizens accounts, respectively.
With both accounts, you’ll receive a free Visa debit card, free online banking and bill pay, and out-of-network ATM fee reimbursements. First Citizens has more than 560 branches in Arizona, California, Colorado, Florida, Georgia, Kansas, Maryland, Missouri, New Mexico, North Carolina, Oklahoma, Oregon, Tennessee, Texas, Virginia, Washington state, Washington, D.C., and West Virginia.
The post Best Personal Checking Account Promotions in 2015 appeared first on The Simple Dollar.
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