Best Bank Account Bonuses & Promotions 2026
Hand-picked checking, savings, and business bonuses worth claiming this month — vetted for fee structure, deposit requirements, and bonus payout speed.
Advertiser disclosure: Some of the offers below are from our partners. We may earn a commission when you click links, but our editorial picks aren't influenced by compensation. Bonus terms set by issuers and may change.
01 — OverviewThe best bank bonuses, at a glance
Jump straight to the offer that fits your situation. Each link scrolls down to the full breakdown with eligibility, fine print, and our take.
02 — Our picksFull reviews of every offer
We score every account across nine factors including fee structure, mobile experience, and how quickly the bonus posts after qualifying activity.
- Account
- Personal Savings Account
- Min. deposit
- $20,000
- Offer expires
- May 31, 2026
- How to qualify
- Open a new Live Oak Bank personal savings account, deposit at least $20,000 into your account by 5/31/26, and maintain a balance of at least $20,000 for 60 days.
What we like
- Earn 3.80% APY
- No monthly maintenance fees
- 24/7 live phone support'
Watch out for
- High initial deposit threshold to qualify for bonus
- Must maintain a minimum balance of $20,000 for 60 days
- Account
- Checking & High-Yield Savings
- Min. deposit
- $5,000
- Offer expires
- Jun 30, 2026
- How to qualify
- Open a new SoFi Checking and Savings account, set up direct deposit of at least $5,000 within a 25-day period.
What we like
- 3.30% APY on all balances
- Get a 0.70% APY boost on a SoFi savings account with qualifying direct deposits
- FDIC insured up to $2,000,000
Watch out for
- Requires monthly direct deposit to earn highest APY
- No physical branches
- Account
- Business Checking & Savings
- Min. deposit
- $50
- Offer expires
- June 30, 2026
- How to qualify
- Combining flexible business checking with high-yield business savings and earn an exclusive bonus up to $600. Use promo code SBB600.
What we like
- Savings earns 3.60% APY
- No monthly fees',
- Free Nationwide ATMs
Watch out for
- No Zelle Support
- No physical branches
03 — Side by sideCompare every bonus
Click any column heading to sort. Bonus amounts are shown as the maximum advertised value.
| Bank | Account type | Bonus | Min. deposit | Rating | Expires |
|---|---|---|---|---|---|
| Live Oak Bank | Personal Savings Account | $200 | $20,000 | ★★★★★4.8 | May 31, 2026 |
| SoFi Bank Checking & Savings | Checking & High-Yield Savings | $400 | $5,000 | ★★★★★4.7 | Jun 30, 2026 |
| Axos Business Bundle | Business Checking & Savings | $600 | $50 | ★★★★★4.5 | June 30, 2026 |
04 — MethodologyHow we picked these offers
What we score
Every offer is rated across nine criteria: bonus value relative to deposit requirement, qualifying-activity difficulty, time to bonus payout, ongoing account fees, APY (for savings), branch and ATM access, mobile app reliability, customer service availability, and bonus tax treatment clarity.
What disqualifies an offer
We exclude promotions with predatory monthly fees, requirements that effectively penalize lower-balance customers, or terms that allow the issuer to claw back the bonus for vague reasons. We re-verify every offer on the first business day of each month.
05 — FAQFrequently asked questions
Are bank account bonuses taxable?
How long does it take to receive a bank bonus?
Can I close the account right after the bonus posts?
Will applying for a bonus impact my credit score?
Can I claim the same bonus twice?
Bonus terms, eligibility, and APYs were accurate as of May 1, 2026 but are set by the issuing institutions and may change without notice. Always confirm the current offer on the bank's official site before applying.
