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Bank account bonuses

14 offers

The checks in this category are the biggest on the site, and nearly every one of them is gated by the same phrase: qualifying direct deposit. Each bank defines it differently, and the definition is where most bonuses die. Chase has the widest exclusion list we have read, where Zelle, mobile check deposits, wires and money you push in from your own bank all count for exactly nothing toward the $400. The bank-by-bank version of that answer sits on one page: what counts as a direct deposit.

The second leak is the monthly fee. A checking bonus is not free money if the account charges you while you wait to qualify, so read the fee waiver before you read the bonus table. Chase is the example on this page: $15 a month, and $90 gone if it is never waived. The clocks are real too, because several of these offers carry a hard end date published by the bank itself, and it is printed on the row.

No payroll to reroute? At least one offer here pays without any direct deposit at all. Ally's $100 takes a recurring transfer of any size, three months running, which is the quiet exception to this category's biggest trap. The routes that skip payroll entirely are collected on their own page.

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.
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 27, 2026 Worth it if Guide 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 27, 2026 Worth it Guide Chimecash to the friend who signs up. Chime publishes NO figure for the referrer: its own page says only that you "earn a bonus" whose amount "may vary based on your active offer", is set at the moment your friend enrols, and differs from friend to friend $100Cash Only employer/payroll ACH counts (bank transfers and P2P fail), and missing the 14-day card activation quietly voids it. The referrer's side is unpriced: every site quoting $100 to the sharer is quoting a number Chime does not publish VerifiedJul 27, 2026 Worth it if Guide 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 27, 2026 Worth it if Guide Varocash for both sides, but Varo sets the amount per offer and only shows it in your email or the app, so there is no fixed figure to quote VariesCash Only real payroll, pension or government benefit deposits count. Tax refunds, stimulus, Venmo-style P2P, and anything you push in using your own Varo routing number are all excluded, which rules out the obvious self-funding shortcut. Earnings are capped at 6 bonuses and $1,000 a year, counting a bonus you got as a new customer, and only the first five friends on your link can be paid in a calendar year. Bonuses get reported on a 1099-MISC VerifiedAug 15, 2026 Worth it if Guide 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 27, 2026 Worth it Guide 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 27, 2026 Worth it if Guide Upgradea cash credit whose size Upgrade does not publish on any of its own pages, so the $100 to $400 figures circulating are third-party guesses VariesCash credit Only recurring employer, payroll or gig deposits count. One-time deposits, tax refunds, trial or verification deposits, PayPal and Venmo, mobile check deposits and cash loads are all excluded VerifiedAug 15, 2026 Think twice Guide Marcusrate boost for 3 months for both sides, lifting the 3.40% savings rate to 4.40%. It is interest rather than a cheque, so it is worth about $25 per $10,000 you hold +1.00% APYInterest Marcus swapped the old cash bonus for this rate boost on July 1, 2026, so any guide still promising a cash payout is out of date. You also need to have had no Marcus savings account or CD for 12 months to count as new, CDs earn nothing, only the primary owner of a joint account collects, and boosts are capped at five and run one after another instead of stacking VerifiedJul 27, 2026 Worth it if Guide 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 27, 2026 Worth it if Guide 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 27, 2026 Worth it if Guide Huntingtoncash; $400 on Perks Checking, and $600 on Platinum Perks only if you park $25,000 of outside money $400 or $600Cash Real-Time Payments credits, Zelle, Venmo, PayPal and Huntington-to-Huntington transfers all count for nothing; the promotion code attaches only from Huntington's offer page; 21 states only; $10 a month on Perks unless deposits hit $1,000 every month or you keep a $5,000 total relationship balance VerifiedAug 20, 2026 Worth it Guide Truistcash; a separate business checking offer pays up to $800, on balance alone $500Cash Zelle, Real Time Payments and transfers pushed from your own bank all pay $0, one $2,000 deposit is not two, and the promo code is single use and cannot be added after the account is opened VerifiedJul 27, 2026 Worth it if Guide Bluevinenothing for a US resident: both promotions with live terms say legal residents of the 50 states and Washington, D.C. are not eligible, and the referral programme pays only the referrer NothingCash in USD, non-US residents only Payments to entities you own or control, and any payment returned or refunded, do not count toward the $50,000. The bonus is reversible if you close the account within 150 days of funding it, and the free Premier year auto-continues at $95/month, $1,140 a year, unless you actively downgrade VerifiedAug 17, 2026 Think twice Guide

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

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