Best US bank account sign-up bonuses right now (current offers only)

35 offers valid right now. Biggest: Capital One Savor $200 cash bonus ($200 bonus). Ends first: TD Beyond Checking $300 Bonus, Dec 1. Last updated 2026-11-10.

New-customer bank bonuses published on banks’ official pages: bonus amount, the direct deposit or minimum balance required, how long to hold it and the end date. Every item links to its official source and the bank’s page has the final say. This page is information, not financial advice.

Available now

35 live

TD Beyond Checking $300 Bonus
US
New customers earn a $300 bonus by opening a TD Beyond Checking account and receiving $2,500 in payroll, pension or government deposits within 60 days, with a $25 waivable monthly fee, if they never received a TD checking bonus.
What: Cards & banking from TD Bank. Ends Dec 1, 04:59 UTC. Who can claim: US users. Verified Nov 10 (UTC).
Ends Dec 1, 04:59 UTCOfficial source: TD Bank · Verified Nov 10 (UTC)
Not financial or credit advice. Read the issuer’s official terms before you apply.
Go to the official page
KeyBank Smart Checking $300 Bonus
US
New customers earn a $300 bonus by opening a Key Smart Checking account by December 11, 2026, depositing $10, and receiving $2,000 or more in direct deposits within 90 days, if they held no KeyBank checking account in the past 12 months.
What: Cards & banking from KeyBank. Ends Dec 12, 04:59 UTC. Who can claim: US users. Verified Nov 10 (UTC).
Ends Dec 12, 04:59 UTCOfficial source: KeyBank · Verified Nov 10 (UTC)
Not financial or credit advice. Read the issuer’s official terms before you apply.
Go to the official page
BMO Checking Bonus $100 a Month for 6 Months
US
New customers who open an eligible BMO personal checking account by December 15, 2026 earn a $100 cash bonus each consecutive month they receive $1,000 or more in qualifying direct deposits, up to $600 over 6 months.
What: Cards & banking from BMO. Ends Dec 16, 03:00 UTC. Who can claim: US users. Verified Nov 10 (UTC).
Ends Dec 16, 03:00 UTCOfficial source: BMO · Verified Nov 10 (UTC)
Not financial or credit advice. Read the issuer’s official terms before you apply.
Go to the official page
Santander Checking Bonus up to $500
US
New customers earn $300 or $500 by opening a Santander checking account with a code by Dec 18, 2026, with one direct deposit and a $2,000 or $5,000 daily balance over 90 days, if they held no Santander checking in the past 12 months.
What: Cards & banking from Santander Bank. Ends Dec 19, 04:59 UTC. Who can claim: US users. Verified Nov 10 (UTC).
Ends Dec 19, 04:59 UTCOfficial source: Santander Bank · Verified Nov 10 (UTC)
Not financial or credit advice. Read the issuer’s official terms before you apply.
Go to the official page
Citizens Bank $400 Checking Bonus
US
New customers earn a $400 bonus by opening a first Citizens checking account between October 5 and December 20, 2026 and posting one $1,000 or more direct deposit within 60 days, if they held no Citizens account in the past 6 months.
What: Cards & banking from Citizens Bank. Ends Dec 21, 04:59 UTC. Who can claim: US users. Verified Nov 10 (UTC).
Ends Dec 21, 04:59 UTCOfficial source: Citizens Bank · Verified Nov 10 (UTC)
Not financial or credit advice. Read the issuer’s official terms before you apply.
Go to the official page
Huntington Perks Checking Bonus $400 or $600
US
New personal checking customers who open a Huntington Perks Checking account by December 31, 2026 and receive $500+ in qualifying direct deposits within 90 days earn $400, or $600 for Platinum Perks with $25,000 in new money deposits.
What: Cards & banking from Huntington Bank. Ends Jan 1, 04:59 UTC. Who can claim: US users. Verified Nov 10 (UTC).
Ends Jan 1, 04:59 UTCOfficial source: Huntington Bank · Verified Nov 10 (UTC)
Not financial or credit advice. Read the issuer’s official terms before you apply.
Go to the official page
SoFi Checking: up to $400 direct deposit bonus
US
SoFi members who have never set up direct deposit can earn up to $400 with $5,000 or more in direct deposits within 25 days of the first one ($1,000 earns $50); no monthly fee, and the first deposit must arrive by December 31, 2026.
What: Cards & banking from SoFi. Ends Jan 1, 04:59 UTC. Who can claim: US users. Verified Nov 10 (UTC).
Ends Jan 1, 04:59 UTCOfficial source: SoFi · Verified Nov 10 (UTC)
Not financial or credit advice. Read the issuer’s official terms before you apply.
Go to the official page
Regions LifeGreen Checking $400 Bonus
US
New customers earn a $400 bonus by registering by Dec 31, 2026, opening a Regions LifeGreen account by Jan 31, 2027, and receiving $1,000 in direct deposits within 90 days, if they held no Regions checking account in the past year.
What: Cards & banking from Regions Bank. Ends Jan 1, 05:59 UTC. Who can claim: US users. Verified Nov 10 (UTC).
Ends Jan 1, 05:59 UTCOfficial source: Regions Bank · Verified Nov 10 (UTC)
Not financial or credit advice. Read the issuer’s official terms before you apply.
Go to the official page
Fifth Third Checking $300 Bonus
US
New customers earn a $300 bonus by opening a Fifth Third Checking account with a code by Jan 4, 2027 and receiving $500 in direct deposits within 90 days, with no monthly fee, if they held no Fifth Third deposit account within 13 months.
What: Cards & banking from Fifth Third Bank. Ends Jan 5, 04:59 UTC. Who can claim: US users. Verified Nov 10 (UTC).
Ends Jan 5, 04:59 UTCOfficial source: Fifth Third Bank · Verified Nov 10 (UTC)
Not financial or credit advice. Read the issuer’s official terms before you apply.
Go to the official page
PNC Virtual Wallet Checking Bonus $100 or $400
US
New customers who open a PNC Virtual Wallet by January 7, 2027 and receive qualifying direct deposits within 60 days earn $100 for $500 in deposits, or $400 for $5,000 with Virtual Wallet with Performance Select.
What: Cards & banking from PNC Bank. Ends Jan 8, 04:59 UTC. Who can claim: US users. Verified Nov 10 (UTC).
Ends Jan 8, 04:59 UTCOfficial source: PNC Bank · Verified Nov 10 (UTC)
Not financial or credit advice. Read the issuer’s official terms before you apply.
Go to the official page
Wells Fargo Everyday Checking: $325 bonus
US
New Wells Fargo customers can earn a $325 bonus by opening an Everyday Checking account and receiving $1,000 or more in qualifying electronic deposits within 90 days; the $15 monthly fee can be waived, and the offer ends January 13, 2027.
What: Cards & banking from Wells Fargo. Ends Jan 14, 07:59 UTC. Who can claim: US users. Verified Nov 10 (UTC).
Ends Jan 14, 07:59 UTCOfficial source: Wells Fargo · Verified Nov 10 (UTC)
Not financial or credit advice. Read the issuer’s official terms before you apply.
Go to the official page
Chase Total Checking: $400 new-account bonus
US
New Chase checking customers can earn a $400 bonus by opening a Total Checking account and receiving $1,000 or more in direct deposits within 90 days; the $15 monthly fee can be waived, and the offer ends January 27, 2027.
What: Cards & banking from Chase. Ends Jan 28, 04:59 UTC. Who can claim: US users. Verified Nov 10 (UTC).
Ends Jan 28, 04:59 UTCOfficial source: Chase · Verified Nov 10 (UTC)
Not financial or credit advice. Read the issuer’s official terms before you apply.
Go to the official page
Truist One Checking Bonus $500
US
New customers who open a Truist One or Marquee Checking account with a unique promo code by February 2, 2027 and, within 120 days, receive two qualifying direct deposits totaling $2,000 or more and make 20 debit card purchases earn $500.
What: Cards & banking from Truist. Ends Feb 3, 04:59 UTC. Who can claim: US users. Verified Nov 10 (UTC).
Ends Feb 3, 04:59 UTCOfficial source: Truist · Verified Nov 10 (UTC)
Not financial or credit advice. Read the issuer’s official terms before you apply.
Go to the official page
Capital One Savor $200 cash bonus
US
Spend $500 on purchases in the first 3 months to earn a one-time $200 cash bonus; earn 3% back on dining, groceries, entertainment and streaming with no annual fee and no foreign transaction fees, for new cardmembers.
What: Cards & banking from Capital One. Worth: $200 bonus. No end date announced — check the official page. Who can claim: Spend $500 in the first 3 months. Verified Nov 10 (UTC).
No end date announced — check the official pageOfficial source: Capital One · Verified Nov 10 (UTC)
Not financial or credit advice. Read the issuer’s official terms before you apply.
Go to the official page
U.S. Bank Cash+ Visa $200 Bonus
US
New cardmembers earn a $200 rewards bonus after spending $1,000 in eligible purchases within the first 90 days, with a $0 annual fee and 5% cash back in two categories they choose each quarter.
What: Cards & banking from U.S. Bank. No end date announced — check the official page. Who can claim: US users. Verified Nov 10 (UTC).
No end date announced — check the official pageOfficial source: U.S. Bank · Verified Nov 10 (UTC)
Not financial or credit advice. Read the issuer’s official terms before you apply.
Go to the official page
Wells Fargo Autograph 20,000 Points worth $200
US
New cardmembers earn 20,000 bonus points, worth a $200 cash redemption value, after spending $1,000 in the first 3 months, with a $0 annual fee and 3 points per $1 in six everyday categories.
What: Cards & banking from Wells Fargo. No end date announced — check the official page. Who can claim: US users. Verified Nov 10 (UTC).
No end date announced — check the official pageOfficial source: Wells Fargo · Verified Nov 10 (UTC)
Not financial or credit advice. Read the issuer’s official terms before you apply.
Go to the official page
Capital One Venture 75,000 Miles plus $300 Credit
US
New cardmembers earn 75,000 bonus miles after spending $4,000 in the first 3 months, plus a $300 credit for hotel and vacation rental bookings through Capital One Travel in the first year, with a $95 annual fee.
What: Cards & banking from Capital One. No end date announced — check the official page. Who can claim: US users. Verified Nov 10 (UTC).
No end date announced — check the official pageOfficial source: Capital One · Verified Nov 10 (UTC)
Not financial or credit advice. Read the issuer’s official terms before you apply.
Go to the official page
Capital One Quicksilver $200 Cash Bonus
US
New cardmembers earn a $200 cash bonus once they spend $500 on purchases within 3 months, with no annual fee, if they did not receive a bonus for this card in the past 48 months.
What: Cards & banking from Capital One. No end date announced — check the official page. Who can claim: US users. Verified Nov 10 (UTC).
No end date announced — check the official pageOfficial source: Capital One · Verified Nov 10 (UTC)
Not financial or credit advice. Read the issuer’s official terms before you apply.
Go to the official page
Bank of America Customized Cash $200 Bonus
US
New cardmembers earn a $200 online cash rewards bonus after making at least $1,000 in purchases in the first 90 days, with no annual fee, plus 6% cash back in a category of their choice for the first year.
What: Cards & banking from Bank of America. No end date announced — check the official page. Who can claim: US users. Verified Nov 10 (UTC).
No end date announced — check the official pageOfficial source: Bank of America · Verified Nov 10 (UTC)
Not financial or credit advice. Read the issuer’s official terms before you apply.
Go to the official page
Chase World of Hyatt up to 60,000 Points
US
New cardmembers earn 30,000 bonus points after spending $3,000 in the first 3 months, plus up to 30,000 more by earning 2 points per $1 on up to $15,000 spent in the first 6 months, with a $95 annual fee.
What: Cards & banking from Chase. No end date announced — check the official page. Who can claim: US users. Verified Nov 10 (UTC).
No end date announced — check the official pageOfficial source: Chase · Verified Nov 10 (UTC)
Not financial or credit advice. Read the issuer’s official terms before you apply.
Go to the official page
Chase Southwest Plus 50,000 Bonus Points
US
New cardmembers earn 50,000 bonus points after spending $1,000 on purchases in the first 3 months, with a $99 annual fee, if they hold no Southwest Rapid Rewards card now and received no bonus for one in the past 24 months.
What: Cards & banking from Chase. No end date announced — check the official page. Who can claim: US users. Verified Nov 10 (UTC).
No end date announced — check the official pageOfficial source: Chase · Verified Nov 10 (UTC)
Not financial or credit advice. Read the issuer’s official terms before you apply.
Go to the official page
Chase United Explorer up to 80,000 Miles
US
New cardmembers earn 70,000 bonus miles after spending $3,000 in the first 3 months, plus 10,000 more after adding an authorized user in the same period, with a $0 introductory annual fee for the first year, then $150.
What: Cards & banking from Chase. No end date announced — check the official page. Who can claim: US users. Verified Nov 10 (UTC).
No end date announced — check the official pageOfficial source: Chase · Verified Nov 10 (UTC)
Not financial or credit advice. Read the issuer’s official terms before you apply.
Go to the official page
Chase Freedom Flex $200 Bonus
US
New cardmembers earn a $200 bonus after spending $500 on purchases in the first 3 months, with a $0 annual fee, if they do not hold this card now and did not receive a new cardmember bonus for it in the past 24 months.
What: Cards & banking from Chase. No end date announced — check the official page. Who can claim: US users. Verified Nov 10 (UTC).
No end date announced — check the official pageOfficial source: Chase · Verified Nov 10 (UTC)
Not financial or credit advice. Read the issuer’s official terms before you apply.
Go to the official page
Flagstar Checking Bonus up to $500
US
New customers earn a $400 bonus by opening a Flagstar Ready Checking account with a $50 deposit and receiving $500 or more in direct deposits in each of the first three 30-day periods, if they never received a Flagstar checking bonus.
What: Cards & banking from Flagstar Bank. No end date announced — check the official page. Who can claim: US users. Verified Nov 10 (UTC).
No end date announced — check the official pageOfficial source: Flagstar Bank · Verified Nov 10 (UTC)
Not financial or credit advice. Read the issuer’s official terms before you apply.
Go to the official page
American Express Gold Card up to 100,000 Points
US
Eligible new cardmembers may earn as high as 100,000 Membership Rewards points after spending $8,000 in purchases in the first 6 months, with the exact bonus shown at application and a $325 annual fee.
What: Cards & banking from American Express. No end date announced — check the official page. Who can claim: US users. Verified Nov 10 (UTC).
No end date announced — check the official pageOfficial source: American Express · Verified Nov 10 (UTC)
Not financial or credit advice. Read the issuer’s official terms before you apply.
Go to the official page
Citi Double Cash $200 Welcome Bonus
US
New cardmembers earn a $200 welcome bonus (20,000 ThankYou Points) after spending $1,500 on purchases in the first 6 months, with unlimited 2% cash back and no annual fee.
What: Cards & banking from Citi. No end date announced — check the official page. Who can claim: US users. Verified Nov 10 (UTC).
No end date announced — check the official pageOfficial source: Citi · Verified Nov 10 (UTC)
Not financial or credit advice. Read the issuer’s official terms before you apply.
Go to the official page
Wells Fargo Active Cash $100 Cash Rewards Bonus
US
New cardmembers earn a $100 cash rewards bonus after spending $500 in purchases in the first 3 months, plus unlimited 2% cash rewards on purchases, with no annual fee.
What: Cards & banking from Wells Fargo. No end date announced — check the official page. Who can claim: US users. Verified Nov 10 (UTC).
No end date announced — check the official pageOfficial source: Wells Fargo · Verified Nov 10 (UTC)
Not financial or credit advice. Read the issuer’s official terms before you apply.
Go to the official page
Discover it Cash Back $200 Bonus plus Cashback Match
US
New cardmembers receive a $200 statement credit after spending $500 on purchases in the first 3 months, plus Discover matches all cash back earned in the first year (Cashback Match), with no annual fee.
What: Cards & banking from Discover. No end date announced — check the official page. Who can claim: US users. Verified Nov 10 (UTC).
No end date announced — check the official pageOfficial source: Discover · Verified Nov 10 (UTC)
Not financial or credit advice. Read the issuer’s official terms before you apply.
Go to the official page
Capital One Venture X 75,000 Bonus Miles
US
New cardholders earn 75,000 bonus miles after spending $4,000 on purchases within the first 3 months of account opening; the card has a $395 annual fee and includes a $300 annual Capital One Travel credit and 10,000 anniversary miles.
What: Cards & banking from Capital One. No end date announced — check the official page. Who can claim: US users. Verified Nov 10 (UTC).
No end date announced — check the official pageOfficial source: Capital One · Verified Nov 10 (UTC)
Not financial or credit advice. Read the issuer’s official terms before you apply.
Go to the official page
Chase Sapphire Reserve 100,000 Bonus Points
US
New cardmembers earn 100,000 bonus points after spending $6,000 on purchases in the first 3 months from account opening; the card has a $795 annual fee and includes a $300 annual travel credit and lounge access.
What: Cards & banking from Chase. No end date announced — check the official page. Who can claim: US users. Verified Nov 10 (UTC).
No end date announced — check the official pageOfficial source: Chase · Verified Nov 10 (UTC)
Not financial or credit advice. Read the issuer’s official terms before you apply.
Go to the official page
Chase Ink Business Preferred 100,000 Bonus Points
US
New business cardmembers earn 100,000 bonus points after spending $8,000 on purchases in the first 3 months after account opening; the card has a $95 annual fee and earns 3x points on travel and select business categories.
What: Cards & banking from Chase. No end date announced — check the official page. Who can claim: US users. Verified Nov 10 (UTC).
No end date announced — check the official pageOfficial source: Chase · Verified Nov 10 (UTC)
Not financial or credit advice. Read the issuer’s official terms before you apply.
Go to the official page
Chase Freedom Unlimited $200 Cash Back Bonus
US
New cardmembers earn $200 cash back after spending $500 on purchases in the first 3 months from account opening, with no annual fee and cash back on every purchase.
What: Cards & banking from Chase. No end date announced — check the official page. Who can claim: US users. Verified Nov 10 (UTC).
No end date announced — check the official pageOfficial source: Chase · Verified Nov 10 (UTC)
Not financial or credit advice. Read the issuer’s official terms before you apply.
Go to the official page
Capital One Venture: 75,000 miles + $300 credit
US
Capital One Venture cardholders earn 75,000 miles after spending $4,000 in the first 3 months, plus a $300 travel credit in the first year; annual fee $95; not available if you received a Venture or Venture X bonus in the past 48 months.
What: Cards & banking from Capital One. No end date announced — check the official page. Who can claim: US users. Verified Nov 10 (UTC).
No end date announced — check the official pageOfficial source: Capital One · Verified Nov 10 (UTC)
Not financial or credit advice. Read the issuer’s official terms before you apply.
Go to the official page
Chase Sapphire Preferred: 75,000 bonus points
US
New Chase Sapphire Preferred cardmembers earn 75,000 bonus points after spending $5,000 in the first 3 months; annual fee $95; not available to current Sapphire cardmembers or anyone who received a Sapphire bonus in the past 48 months.
What: Cards & banking from Chase. No end date announced — check the official page. Who can claim: US users. Verified Nov 10 (UTC).
No end date announced — check the official pageOfficial source: Chase · Verified Nov 10 (UTC)
Not financial or credit advice. Read the issuer’s official terms before you apply.
Go to the official page
Citi Regular Checking: $325 bonus
US
New Citi customers can earn a $325 bonus by opening a Regular Checking account and receiving direct deposits totaling $3,000 or more within 90 days; the $15 monthly fee can be waived.
What: Cards & banking from Citi. No end date announced — check the official page. Who can claim: US users. Verified Nov 10 (UTC).
No end date announced — check the official pageOfficial source: Citi · Verified Nov 10 (UTC)
Not financial or credit advice. Read the issuer’s official terms before you apply.
Go to the official page

Good to know

Check the requirements first: direct deposit amount and how long the minimum balance must be held.
Bonuses are usually taxable income and the bank may send a tax form.
Check whether the monthly fee can be waived; missing the conditions means a fee.
Eligibility and region rules differ by bank; the official page decides.

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Official sources only. Card and bank offers are not financial or credit advice: read the issuer’s official terms before you apply. Links marked “Paid link” are promotional.

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