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

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Note that bonus details are accurate as of the publication date. Find out which banks are currently offering the best new account promotions and bonuses, and learn how to qualify. Premium Savings Account offered by Morgan Stanley Private Bank, National Association, Member FDIC. (When the primary account owner reaches the age of 25, age can no longer be used to avoid the monthly service fee.) $5,000 or more in qualifying deposit balances, investment balances, or both. You won’t be held responsible for promptly reported unauthorized card transactions, subject to certain conditions.
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.

Three great options. Unlimited possibilities.

$10,000 relationship (receive $25 fee if below $10,000 threshold. See details.) With direct deposit of $500 (receive $9 fee if below $2,500 threshold. See details.) BONUS EARNED will be paid within 120 days from account opening If you’re looking to open a high-yield savings account, SoFi and Amex both offer excellent options. Some of the banks currently offering checking account bonuses include SoFi, Chase, Citi, Bank of America, and TD Bank.

Bank of America Checking Accounts: Up to $500 bonus

• SoFi members with Eligible Direct Deposit can earn 3.30% annual percentage yield (APY) on savings balances (including Vaults) and 0.50% APY on checking balances.
• (When the primary account owner reaches the age of 25, age can no longer be used to avoid the monthly service fee.)
• $5,000 or more in qualifying deposit balances, investment balances, or both.
• She previously edited content on personal finance topics at GOBankingRates.
• You won’t be held responsible for promptly reported unauthorized card transactions, subject to certain conditions.
• Banking writers and editors use an objective methodology to rate banks, credit unions, and other providers, and to recommend the best products.

There is no minimum Eligible Direct Deposit amount required to qualify for the 3.30% APY for savings (including Vaults). SoFi members with Eligible Direct Deposit can earn 3.30% annual percentage yield (APY) on savings balances (including Vaults) and 0.50% APY on checking balances. SoFi Checking and Savings is offered through SoFi Bank, N.A., Member FDIC. Earn $50 or $400 when you sign up and set up eligible direct deposit after opening a new SoFi online bank account. Once these requirements are met, you’ll receive your bonus within 14 days.

• In 2026, checking account bonus offers could land you between $100 and $3,000.
• To be paid, make sure you keep your Spending Account open and in Good Standing through the payout.
• We’re here to help with flexible savings and investing options to keep your cash working while you focus on your business.
• Open a personal checking account, set up direct deposit and meet all deposit and balance requirements1 to earn your bonus.
• Once you’ve met the requirements to earn a new bank account offer, you’ll receive your bonus in your account within a few days, in many cases.
• Make $1,000 or more in qualifying direct deposits within the first 90 days of offer enrollment.
• Banner Bank will monitor the balances maintained in your account during the qualification period to determine bonus amount paid, if applicable.

Chase isn’t responsible for (and doesn’t provide) any products, services or content at this third-party site or app, except for products and services that explicitly carry the Chase name. Chase Total Checking® has a $15 monthly service fee, you can avoid the fee with direct deposits totaling $500 or more, or a minimum average daily balance each statement period. Chase checking accounts also include FDIC insurance up to the maximum amount allowed by law. 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. 12For certain eligible direct deposits, we may make funds available for your use up to two business days before we receive the funds from your payor with our service, TD Early Pay. 11TD Bank Mobile Deposit is available to Customers with an active checking, savings or money market account and using a supported, internet-enabled iOS or Android device with a camera.

Citibank Checking Accounts: $325 bonus

It’s important to understand the full details before signing up for a new account to earn a bank bonus. The Fed also lowered the rate three times in late 2024 after increasing the rate four times in 2023 and seven times in 2022. The rate was lowered three times in 2025; the most recent change was made in December. ON THIS PAGEMore information about bank bonuses, checking account bonuses, and savings account bonuses Bonus$50 or $400 Earn $50 or $400 with eligible direct deposit. Check out the details on these offers to determine the best fit.

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

Maintain the required balance of at least $10,000 for 90 additional days from the 20th day after account opening.

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. betmica 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.
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.