Below we’ve listed the best checking & saving account bonuses in order from best to worst for September, 2020. We’ve also included a little bit of information on each bonus, make sure you click through and read our detailed posts on each offer before signing up – that way you won’t be caught unawares of hidden fees.

Note: This page is updated monthly and keeps the same URL, so feel free to bookmark it or link to it knowing that it’ll be kept up to date. Because of this the comment section might contain discussion about deals that are no longer current, please keep that in mind. You can view the most recent changes by clicking here.

Best Checking Account Bonuses

Citi $200/$400/$700 Checking Bonus – No Direct Deposit Required

Direct link to offer

No direct deposit is required, but a balance of $5,000/$15,000/$50,000 is required for 60 days. I only really think the $200/$400 bonus is worth doing, especially as $50,000 is required for the $600 bonus to keep the account fee free. You can also get an additional $100 on the $400 bonus by doing a direct deposit.

Chase $300 Checking Bonus

Direct link to offer

It does require a direct deposit but because it’s so popular there are a lot of data points on what does/doesn’t work and there is no minimum direct deposit required. Can also be paired with a savings bonus (see below). If you do both the checking & savings bonus you can get an extra $100 (this has been as high as $400 in the past). Recently this was reduced to $200 for the checking bonus so I don’t think we will see a combined checking & savings bonus as high as $900 anytime soon due to COVID-19.

PNC $200/$300 Checking Bonus

Direct link to offer

Previously this was only available in selected states, it’s now available nationwide. It does require quite high direct deposit requirement, but lots of data points on what does/doesn’t work. Might be able to get a $400 in branch offer as well.

Aspiration $100 Checking Bonus – Direct Deposit Not Required

Direct link to offer

Go through Swagbucks for an extra bonus. Normally this requires a direct deposit but this time it requires a $1,000 in debit card spending.

Capital One $100 Checking Bonus, No Direct Deposit Required

Direct link to offer

Another smaller bonus but no direct deposit required. Some people will get denied due to too many early warning systems inquiries unfortunately.

Read our full post

Soft pull

No credit card funding

No direct deposit required

Chime – $100 Bonus

Direct link to offer

Previous the best bonus was $50 via referral.

Charles Schwab Up To $500 Bonus

Direct link to bonus

This is now a soft pull making it much more interesting. People like this account because the account is quite useful (e.g ATM fees reimbursed, no fees for foreign transaction withdrawals) and you can also get this account and a brokerage account at the same time for one hard pull. The brokerage account then gives you access to the Charles Schwab credit cards. Obviously not for everybody, but a pretty good combination.

Christian Community Credit Union – $200 Bonus – Must Be A Member of A Christian Ministry

Direct link to offer

The Christian Ministry requirement seems to be enforced and will rule out a lot of people, if you are eligible though this is a great deal.

Armed Forces Bank/Academy Bank $100 Bonus

Direct link to offer

Previously this didn’t require a direct deposit, but now it does unfortunately.

Best Saving Account Bonuses

Chase $200 Savings Bonus

Direct link to offer

Requires a deposit of $15,000 for 90 days, makes sense for someone who doesn’t want to tie up $25k with the $300 offer (this currently isn’t being offered). If you do both the checking & savings bonus you can get a further $100 bonus as well.

SunTrust Up To $600 Savings Bonus AL, AR, FL, GA, MD, MS, NC, SC, TN, WV, VA, and D.C Only

Direct link to offer

Must be an existing SunTrust checking customer to be able to do this deal. Only really the $100 and $300 bonuses are worth doing, the $600 bonus requires too much of a deposit.

TD Bank up To $200 Savings Bonus [CT, DC, DE, FL, MD, ME, MA, NC, NH, NJ, NY, PA, RI, SC, VT, & VA]

Direct Link to offer

Can also be combined with a $300 checking bonus.

BMO Harris $300 Savings Bonus – IL, WI, MN, IN, AZ, KS, MO

Direct link to offer

Can also be combined with a $300 savings bonus (see above).

Stanford Federal Credit Union $200 Savings – CA only

Direct link to offer

Requires a deposit of $25,000+ maintain that balance for three months

Best Business Bank Bonuses

There are a lot less business bank bonuses than personal bonuses, you can view all of them here.

NorthOne Bank $120 Checking Bonus

Direct link to offer

Smaller bonus but no requirements and available nationwide. This is offered through Swagbucks and the bonus has been increasing, let’s hope it keeps going above $100.

First Horizon Bank $300 Business & $150 Savings – AR, AL, FL, GA, KY, MS, NC, SC, TN, VA

Direct link to offer

Previously called First Tennessee & Capital Bank, this is the new name but the same bonus.

M&T Bank $300 Business Checking Bonus – CT, DE, D.C., MD, NJ, NY, PA, VA, WV – In Branch

Direct link to offer

Has been $400 in the past, but we haven’t seen an offer that high for some time.

Provident Credit Union $300 Checking Bonus – CA only

Direct link to offer

No monthly fee to worry about, but there is a $10 joining fee. Still a very good bonus.

Huntington Bank $200/$400/$750 – OH, MI, IN, PA, KY, WV & IL

Direct link to offer

Deal is more attractive than normal as the monthly fees are until 12/20.

BMO Harris $200/$500 Business Checking Bonus – AZ, FL, IL, IN, KS, MO, MN and WI

Direct link to offer

Requirements are fairly easy to meet, definitely worth doing the $500 bonus if you have the extra funds to float.

SunTrust $200 Business Checking – AL, AR, FL, GA, MD, MS, NC, SC, TN, WV, VA, and D.C Only

Direct link to offer

Bonus requirements are very easy (deposit $1,500 or more) and there is no monthly fee to worry about. Must do if you live in the area.

PNC $200/$500 Business Checking AL, DC, DE, FL, GA, IL, IN, KY, MD, MI, MO, NC, NJ, NY, OH, PA, SC, VA, WI and WV

Direct link to offer

Not nationwide like the personal bonus unfortunately. They have offered a $300 bonus in the past, but that hasn’t been available for some time. It’s also now easier to keep the account fee free and because of that we’ve added it back to this list. In some states this is now $500.

Read our full post

Soft pull

Unknown if credit card funding is possible

Direct deposit not required

First United Bank $300 Business Checking Bonus – TX, OK & In Branch

Direct link to offer

Nice big bonus, requirements are fairly easy to meet. Definitely worth doing if you live near a branch.

Seacoast Bank $300 Business Checking Bonus – FL Only

Direct link to offer

This needs to be opened in branch but only requires a minimum balance of $1,500 for 90 days to trigger the bonus.

1st United Credit Union – $200 Business Checking Bonus – CA only

Direct link to offer

Normally in branch only but can also be opened online.

Provident Credit Union $150 In Branch Business Checking Bonus – CA

Used to require a balance of $10,000 to keep fee free, but that is no longer a requirement making this bonus worth doing if you live near a branch.

Hawthorn Bank $150 Business Checking – MO

Direct link to offer

This requires a referral, person referring also gets a $150 bonus.

Liberty Bank – $100 Business Checking Bonus – CT, MA, RI

Direct link to offer

Relatively small bonus, but no monthly fees to worry about and there are also no bonus requirements. Can also open a personal account at the same time for another $100 (this does require a direct deposit for the bonus)

Best State Specific Bonuses

In the past we haven’t listed state specific bonuses on this page, I thought it was worth listing ones that are definitely worth doing, so here they are.

Associated Bank – $500 Bonus – IL, MN, & WI only

Direct link to offer

Huge bonus, does require a large balance of $10,000+ for a short period of time for the full $500 bonus but well worth doing if you have the spare funds.

Citizens Bank Up To $600 Checking Bonuses – CT, DE, MA, MI, NH, NJ, NY, OH, PA, RI, VT

Direct link to offer

This is the highest bonus they have offered, and not as difficult to keep fee free as previous bonuses they have offered.

S&T Bank $350 Checking Bonus – PA & OH – No Direct Deposit Required

Direct link to offer

Nice bonus with no direct deposit required or monthly fees to worry about.Normally this is only for $200.

SunTrust Up To $400 Checking Bonus [AL, AR, FL, GA, MD, MS, NC, SC, TN, WV, VA, and D.C Only]

Direct link to offer

Nice big bonus of $300, SunTrust has offered a bonus of up to $750 in the past but it required huge balances of up to $100,000. This bonus has no such requirement so will be much better for most people.

First Horizon Bank $400 Checking Bonus – [TN, AR, MS, AL, GA, KY, FL, NC & VA]

Direct link to offer

Usually this bonus isn’t this high and there is normally a monthly fee as well.

TD Bank up To $300 Checking Bonus [CT, DC, DE, FL, MD, ME, MA, NC, NH, NJ, NY, PA, RI, SC, VT, & VA]

Direct Link to offer

Excellent bonus, but does have quite a large direct deposit requirement to get the $300 and needs a balance of $2,500 to keep it fee-free. There is also a $200 savings bonus.

Dollar Bank $400 Bonus – OH, VA & PA

Direct link to offer

Sometimes only available in some of the above states, currently available in all. Normally bonus is only $200 or $300, but lower direct deposit requirement.

FirstBank $300 – CA, AZ, CO – Direct Deposit Optional

Direct link to offer

Standard bonus is $200 and that requires a direct deposit. This one is $300 and you can either do a direct deposit or spend $500 on a debit card.

OneWest Bank $300 Bonus – Southern CA In Branch – Direct Deposit Not Required

Direct link to offer

Nice big bonus, but not sure it makes sense to open accounts in branch at the moment

Eastman Credit Union – $250 Bonus – TN, TX & VA – Direct Deposit Optional

Direct link to offer

Nice bonus made even better by the fact that direct deposit isn’t required.

SouthEast Bank $250 Bonus – TN Only – Direct Deposit Not Required

Direct link to offer

No monthly fee to worry about and a bill pay can be used instead of a direct deposit.

PeoplesBank (Bankatpeoples) $250 MA & CT Only

Direct link to offer

They have had a $300 bonus in the past, but no gaurantee that offer will return.

First Bank & Trust $300 Bonus – LA & MS

Direct link to offer

Big bonus, but direct deposit is required for a fair amount of time so might only be worth considering if you can change your payroll easily.

Flushing Bank $700 Bonus – NY & NJ – Direct Deposit Optional

Direct link to offer

No monthly fees to worry about or direct deposit. Does require depositing $50,000+ for the full bonus though, really more of a combination savings & checking bonus.

bankESB (East Hampton Savings Bank) $200 – Direct Deposit Not Required – MA

Direct link to offer

Direct deposit isn’t required but account needs to be open for one year to receive $50 of the bonus. The upside is that the account has no monthly fees to worry about.

Fulton Bank $200 – DE, DC, MD, NJ, PA, & VA – Direct Deposit Not Required

Direct link to offer

Nice bonus that only requires 15 debit card transactions to trigger.

First Federal Credit Union $200 Checking Bonus – IA only – No Direct Deposit Required

Direct link to offer

Nice bonus with no monthly fee or direct deposit requirement.

ENT Credit Union $200 Bonus – No Direct Deposit Required – CO only

Direct link to offer

No monthly fees to worry about and doesn’t require a direct deposit.

Ballston Spa National Bank (BSNB) $250 Checking Bonus – Some Areas of NY

Direct link to offer

Previously this had to be opened in branch, but now it can be opened online as well.

BMO Harris $350 Checking Bonus – FL, IL, WI, MN, IN, AZ, KS, MO

Direct link to offer

Can also be combined with a $300 savings bonus (see above).

HSBC $300 Business Checking Bonus

Direct link to offer

Previously this bonus was $250, now it’s an extra $50 and can be opened via phone.

Home Federal Savings Bank $250 – MN & IA only

Direct link to offer

Previously the bonus was only $200 but could be combined with a savings offer as well.

Waterstone Bank $256 Checking – WI only

Direct link to bonus

No monthly fee.

Stanford Federal Credit Union $200 Checking – CA only

Direct link to offer

Can also be combined with a $200 savings bonus.

MidFirst Bank $250 – Direct Deposit Optional – AZ

Direct link to offer

Standard bonus is $150/$200 depending on your state whereas this is a flat $250 but only available in AZ

Westfield Bank $100 Bonus – Direct Deposit Not Required – MA Only And Must Be 16-25

Direct link to offer

Very easy bonus to meet the requirements for and no monthly fees to worry about. Downside is the age restriction.

Sunflower Bank $200 – AZ, MO, NM, KS & CO and TX, In Branch only – Direct Deposit Not Required

Direct link to offer

This offer specifically states that ACH credits work to trigger the bonus, there is also no monthly fees to worry about.

First Bank Financial Centre (FBFC) $150 Bonus – Direct Deposit Not Required

Direct link to offer

No monthly fees or direct deposit required. $150 donation is also made to a local school program.

WinTrust Bank $300 Checking – IL, FL, WI, IN only

Direct link to offer

Much better than the $100 bonus they previously offered. There is also a $200 savings bonus that can be done at the same time.

Bank Of The West – $250 Bonus AZ, CA, CO, ID, IA, KS, MN, MO, NE, NV, NM, ND, OK, OR, SD, UT, WA, WI, WY

Direct link to bonus

Bonus is normally $150 but doesn’t require a direct deposit.

Dedham Savings Bank – $250 Bonus – MA only

Direct link to offer

Better than the standard $100 offer they usually have.

Huntington Bank $200/$500 Bonus – OH, MI, IN, PA, KY, WV & IL – Direct Deposit Not Required

Direct link to offer

$500 bonus is not always available but it is currently available now.

Century Bank $250 Checking Bonus – MA only

Direct link to offer

No monthly fees, previously century bank has offered a bonus that didn’t require a direct deposit but the bonus was only for $100.

Wescom $250 Checking Bonus – CA Only

Direct link to offer

Small amount of credit card funding is nice, although it’s difficult to keep the account fee free.

VantageWest Credit Union $200 – AZ Only

Direct link to offer

Nice bonus with a decent amount of credit card funding, this also opens up the ability to get their 5% credit card as well.

HarborOne Bank $200 Checking & Savings Bonus – MA, NH, and RI

Direct link to offer

They have offered a bigger bonus in the past, but the requirements for this bonus are much easier to meet.

Horizon Credit Union $400 – WA, ID MT

Direct link to offer

Another big bonus with a hard pull unfortunately.

Santander $400 Checking Bonus – NH, MA, RI, CT, DE, NY, NJ & PA

Direct link to offer

More difficult to keep fee free than the recent $300 bonus, but obviously an extra $100.

Wings Financial Credit Union $300 – MN & WI

Direct link to offer

Nice big bonus, but unfortunately a hard pull to open. The massive amount of credit card funding partially makes up for it.

Investor Bank $250/$350 In Branch Checking Bonus – NY & NJ – Direct Deposit Not Required

Direct link to offer

No longer being advertised online, but the offer itself is still available and worth doing. Bit annoying you need to go into a branch

Comerica Bank $200 Checking Bonus – MI

Direct link to offer

Bit annoying that you need three direct deposits within 90 days, but good deal if that is manageable for you.

BB&T $200 Bonus – AL, DC, FL, GA, IN, KY, MD, NC, OH, SC, TN, TX, VA, WV

Direct link to offer

Has been as high as $600 in the past, but that did require a huge deposit to keep fee free.

KeyBank $200 Bonus – AK, CO, CT, ID, IN, MA, ME, MI, NY, OH, OR, PA, UT, VT, or WA

Direct link to offer

Normally KeyBank offers a bonus of up to $300 but only in a few very specific areas, this seems to be available in a lot more areas than normal. If you’re considering this offer (and you should) then it’s worth doing sooner rather than later as it often expires before it’s listed to expire.

Cap Ed Credit Union $100 Checking Bonus – No Direct Deposit Required – ID only

Direct link to offer

Nice bonus with no monthly fees or direct deposit required.

Southland Credit Union $175 Bonus – CA

Direct link to offer

Not the most exciting bonus, but still worth doing if you live in the area. Nice thing is that direct deposit isn’t required for a lot of the bonus

Dearborn Savings Bank $128 Bonus + $100 Per Year – IN only

Direct link to offer

Don’t think the $100 yearly bonus is worth doing due to the deposit requirement, but the $128 sign up bonus is.

Verity Credit Union $150 Checking Bonus – WA only

Direct link to offer

Nice amount of credit card funding.

Union Bank & Trust $150 Bonus – NE, KS

Direct link to offer

No monthly fees to worry about and requirements for bonus are straight forward.

First Bank $100 – VA & MD – Direct Deposit Not Required

Direct link to offer

This one does have a monthly fee, but fairly easy to avoid plus a nice amount of credit card funding. Direct deposit no longer required

Macatawa Bank $100 Checking Bonus – MI – No Direct Deposit Required

Direct link to offer

Nice easy bonus with a decent amount of credit card funding and no monthly fees to worry about.

1st United Credit Union $100 Checking Bonus – CA only – No Direct Deposit Required

Direct link to offer

Bonus is relatively small, but nice amount of credit card funding.

Orange County’s Credit Union $100 Checking Bonus CA Only

Direct link to offer

This now requires a direct deposit, previously you could just do 5 debit card transactions. No monthly fees to worry about.

Desert Financial Credit Union $100 Referral Bonus For Both Parties – AZ only

Direct link to offer

Requires a referral, but that potentially makes it more profitable for those that do sign up if you can refer some friends/family.

East Boston Savings Bank $100 + Free Gift

Direct link to offer

Free gift is basically worthless, but $100 bonus is still worth it.

Collins Community Credit Union $100 Bonus – IA only

Direct link to offer

No monthly fee to worry about and nice amount of credit card funding as well.

California Coast Credit Union $100 Bonus – CA only

Direct link to offer

California Coast sometimes have good CD rates as well. This is a small bonus but worth doing if you’ve already done bigger bonuses listed above.

USE Credit Union $100 Bonus – CA only

Direct link to offer

This is a referral bonus, so the bonus referring you will also receive $100.

Heritage Credit Union – WI & IL only – $100 Bonus

Direct link to offer

No monthly fees to worry about but a relatively small bonus.

Western State Bank – $100 – AZ ND – In Branch Only

Direct link to offer

Another relatively small in branch bonus, still worth doing if you live near a branch and have done the bigger bonuses listed above.

The Bank of Princeton $100 Checking Bonus – NJ & PA, In Branch

Direct link to offer

No monthly fee is required which is nice.

City National Bank – $100 Checking – VA, WV, OH – In Branch

Direct link to offer

Not the most attractive offer given that it’s only $100 and in branch only, but still worth considering for those that have done the bigger bonuses above.

Highly Region Specific/Branch Specific

Lyons National Bank $175 Checking Bonus – Cayuga County, NY

Direct link to offer

Requires your full pay check to be direct deposited, this is sometimes manually checked with these smaller branch bonuses so it’s definitely something to keep in mind if you can’t easily change your direct deposit.

Unify Financial Credit Union $150 Bonus – Collin County, TX

Direct link to offer

Not as good as the previous $100 + two LA rams tickets that could be sold for well over $100, but it’s still worth considering/doing if you missed that one. Unfortunately no longer nationwide

First South Financial – Nashville, TN – $200 Checking Bonus – No Direct Deposit Required

Direct link to offer

This does have a hard pull but still might be worth doing for people that live near the branch.

Recent Changes

For changes before April 1st, click here.

If you know of any better bank account bonuses, let us know in the comments section and we will add them.