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Bank account bonuses

11 offers

Real cash for opening accounts and routing deposits. The traps live in what counts as a direct deposit and in monthly fees.

The recurring trap here: what counts as a direct deposit, and monthly fees.
Before you tap anything: some of the links below are referral links that pay this site a commission. Your bonus is never smaller because of it, and where going direct pays you more, the entry says so.
SoFi SoFicash; $400 needs $5k+ of real payroll direct deposit $50–$400Cash Venmo and self-transfers pay $0, and $4,999.99 of deposits pays $50, not $400 VerifiedJul 21, 2026 Worth it if Guide Chase Chasecash; $3,000 is the $500k Private Client ceiling $175–$400Cash Zelle and self-transfers do not count as direct deposit; the $15/mo fee eats $90 if unwaived; one bonus per 2 years VerifiedJul 21, 2026 Worth it if Details Chime Chimecash, both sides, for one real payroll deposit $100Cash Only employer/payroll ACH counts (bank transfers and P2P fail), and missing the 14-day card activation quietly voids it VerifiedJul 19, 2026 Worth it Details Current Currentcash, both sides; the Chime mirror $100Cash Payroll deposits only, and the code must be applied at signup or the bonus is lost forever VerifiedJul 19, 2026 Worth it Details Varo Varooffer-dependent; the $150 tier needs a $500+ direct deposit $30–$150Cash The amount varies by offer, and tax refunds, P2P, and self-routed deposits do not qualify VerifiedJul 19, 2026 Worth it if Details Ally Allycash with NO direct deposit required; the easiest three-figure bank bonus we verified $100Cash Referrers are only paid on their first 5 referrals a year, and Ally can end the program early VerifiedJul 19, 2026 Worth it Details Axos Axos$100 for checking with a $1,500 direct deposit; $50 tiers for ONE/savings $50–$100Cash The $1,500 direct deposit bar is the highest of the neobanks, and P2P transfers do not count VerifiedJul 19, 2026 Worth it if Details Upgrade Upgradecommonly, with $300 promo ceilings; amounts move between waves, verify in-app ~$200Cash credit The advertised amount fluctuates between promo waves, and the $1,000 direct deposit requirement is stiff VerifiedJul 19, 2026 Worth it if Details Marcus Marcusrate boost for 3 months on Online Savings, both sides; not cash (worth ~$25 per $10k) +1.00% APYInterest It is interest, not a bonus check: the value depends entirely on your balance VerifiedJul 19, 2026 Worth it if Details Wealthfront Wealthfrontboost for 3 months on the Cash Account, both sides; not cash (~$19 per $10k) +0.75% APYInterest It rides on a variable base rate and applies only up to $150k; zero value if you keep small balances VerifiedJul 19, 2026 Worth it if Details OnePay OnePayin points (5,000), offer-dependent; check the in-app number ~$50Points to cash Paid in points that need redeeming, and the $500-deposit/$5k-balance unlock is a real hurdle VerifiedJul 19, 2026 Worth it if Details

Every entry above was verified on the official terms on the date shown. When terms change, the row changes.

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