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Top Checking Account Bonus Offers Available Nationwide

Make easy money with checking account bonus offers. Some banks are paying up to a $300 bonus to open a new account.
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Many banks offer a checking account bonus to new customers but most are typically restricted to the location where the bank does business.

Luckily there are online banks doing business nationwide that offer a way for everyone, no matter where you are in the United States, to get some free cash just by opening a new bank account.

Discover the best bank bonuses for this month.

Top Nationwide Checking Account Bonus Offers

Axos Rewards Checking – $100 Bank Bonus



Axos Bank is one of the first online-only banks, established in 2000 and based in California. They offer personal, business, and investment products with particularly competitive rates on savings and money market accounts.

The Axos Rewards Checking is an online account that offers no monthly service fees and unlimited ATM reimbursements.

To earn the $100 bonus you must:

  • Use code RC100 when signing up.
  • Have qualifying direct deposit(s) that total at least $1,500.00 within a single calendar month during the first three (3) calendar months your account is open.
  • Bonus will be deposited into your account within five (5) business days of the qualifying statement cycle.

Rewards Checking Features

  • Zero monthly maintenance fees.
  • Zero overdraft or NSF fees.
  • Zero minimum monthly balance reqs.
  • Unlimited domestic ATM fee reimbursements.
  • Online debit card management.
  • Simple, 3-step process for direct deposit.
  • Only $50 to open an account.
Learn More

CIT Bank – Amazon Prime ($139 cash value)


Open a new CIT Money Market account using promo code AMZN22 to get a year of Amazon Prime ($139 cash value). This offer is available to new or existing customers that make a deposit of $15K from an external funding source. Earn 0.70% APY with the CIT Bank Money Market account, that is 8x the national savings rate average.

To earn the Amazon Prime subscription:

  • Fund your account with $15,000 within 15 days.
  • Keep a minimum balance of $15,000 for 60 days.
  • After 60 days, if you've fulfilled the requirements, CIT will send you an email with your Prime membership code. Existing Amazon Prime members can use the one year of Amazon Prime to renew their membership for an additional year. Limit one Money Market promotion per account and per customer. Conditions apply. See advertiser website for details.

CIT Money Market Features

  • Minimum opening deposit $100.
  • No monthly maintenance fee.
  • Earn 0.70% APY.
  • Access your money easily with Zelle® & Bill Pay.
  • FDIC insured.
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Chime Spending Account – $100 Bonus


The Chime Spending Account is an online account that offers free overdraft protection, no monthly maintenance fee, free ATMs nationwide and an optional savings account that earns 0.50% APY.

To earn the $100 bonus you must:

  • Receive a qualifying direct deposit of $200 and you'll earn a $100 bonus.

Chime Spending Account Features

  • Get your paycheck up to 2 days early with direct deposit.
  • Zero minimum monthly balance requirements.
  • No monthly fees, no overdraft fees.
  • Access to more than 60,000 fee-free MoneyPass and Visa Plus Alliance ATMs across the U.S.
  • Chime offers fee-free overdraft protection through SpotMe, which is available to customers who receive $200 or more in total monthly direct deposits.
  • Banking services provided by The Bancorp Bank or Stride Bank, N.A.; Members FDIC.
Learn More

Axos Bank Business Checking – $200 Bonus



Axos Bank is one of the first online-only banks, established in 2000 and based in California. They offer personal, business, and investment products with particularly competitive rates on savings and money market accounts.

The Axos Basic Business Account is an online business checking account that offers no monthly service fees and unlimited ATM reimbursements.

To earn the $200 bonus you must:

  • If you incorporated after June 1, 2020, you can earn $200 to your new business bank account. Just use promo code NEWBIZ200 on your application.

Not a new business? You can still earn a $100 bonus:

  • Open a new Basic Business Checking with promo code NEWAXOSBIZ.
  • Bonus will be deposited into your new account within 5 business days of your statement cycle date.

Basic Business Checking Features

  • Zero monthly maintenance fees.
  • Zero minimum monthly balance requirements.
  • First 50 checks free.
  • Unlimited domestic ATM fee reimbursements.
  • $1,000 minimum opening deposit.
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Fifth Third Bank Checking Accounts — $375 Bonus


Get $375 when you open an eligible Fifth Third checking account with qualifying activities. The bonus is available nationwide for those who do not currently have a Fifth Third checking account and have not had one in the last 12 months.

To earn the $375 bonus you must:

  • Open a new checking account by 6/30/2022.
  • Receive a total of at least $500 in combined qualifying direct deposit within 60 days of account opening to earn a $375 bonus.

A qualifying Direct Deposit is an Automated Clearing House (ACH) credit, which may include payroll, pension or government payments (such as Social Security).

Fifth Third Momentum Banking Features

  • NO hidden fees, NO minimum balance.
  • Extra Time® to avoid overdraft fees.
  • Peace of mind with fraud protection.
  • Get access to your eligible payroll direct deposits up to 2 days early with free Early Pay.
  • Immediate Funds to instantly access your check deposits (fees apply).
  • Local bankers to help at every step.
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TD Convenience Checking – $150 Bonus


With the TD Convenience Checking Account, you can earn $150 when you have $500 in direct deposits within 60 days. Avoid the monthly maintenance fee with a low $100 minimum balance, and deposit checks from the comfort of home with Mobile Deposit.

To earn the $150 bonus you must:

  • Receive direct deposits of $500 or more within 60 days of opening your account to earn a $150 bonus.
  • Receive the bonus within 140 days of account opening.

TD Bank Beyond Checking Account Features

  • No minimum deposit required to open the account.
  • Monthly maintenance fee waived when you maintain a $100 minimum daily balance.
  • No monthly maintenance fee and no minimum daily balance requirements if you're age 17 through 23.
  • Contactless debit cards with no-touch payments—so you can tap to pay and be on your way. Plus, rest easy with 24/7 fraud text alerts.
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Chase Total Checking Account – $225 Bonus


The $225 Chase Bank Promotion is available nationwide to new account holders. Chase does charge a $12 monthly service fee but the fee can be waived if:

  1. Make at least $500 in electronic deposits each month
  2. OR, maintain a minimum beginning balance each day of $1,500
  3. OR, maintain a minimum beginning balance each day of $5,000 in any combination of this account and linked qualifying Chase checking, savings, and other balalances.

To earn the $225 bonus you must:

  • Open a Chase Total Checking® account.
  • Within 90 days, have a direct deposit made from either your employer (paycheck or pension) or the government (any benefit such as Social Security).
  • Receive your money within 15 days of the deposit posting.

What does the Chase Total Checking Account Offer

  • No minimum deposit is required to open the account.
  • Access to 16,000 ATMs and more than 4,700 branches.
  • Chase Mobile® app – Manage your accounts, deposit checks, transfer money and more — all from your device.
  • Free overdraft protection when you link to savings for automatic transfers.
Learn More

Bank of America – $100 Bank Bonus


Open a new Bank of America Advantage Banking Checking Account and earn a $100 checking account bonus. The checking account offers three options: Advantage SafeBalance, Advantage Plus, and Advantage Relationship. Here is how it works:

  • Advantage SafeBalance: $25 opening deposit, no overdraft fees, and no paper checks. The monthly maintenance fee is $4.95 or $0 if enrolled in Preferred Rewards.
  • Advantage Plus: $100 opening deposit. The monthly maintenance fee is $12 or $0 if you get it waived through qualifying minimum direct deposit, or maintain the minimum daily balance requirements, or are enrolled in Preferred Rewards.
  • Advantage Relationship: $100 opening deposit. The monthly maintenance fee is $25 or $0 if you get it waived by maintaining the minimum combined balances in eligible linked accounts or are enrolled in Preferred Rewards.
Learn More

How To Choose A Bank?

Banks offer many different types of accounts for people of all ages and income levels. It’s important to consider several factors when choosing a bank, including fees, interest rates, and other features.

Consider the type of account you want (checking, savings, money market, etc.), whether you want online banking, and any other special feature like unlimited free ATM transactions.

Fees are also important to consider. Many banks charge monthly maintenance fees, so make sure you understand what those fees will cost before opening an account.

Final thoughts

Banks want your money and are willing to pay you to get it.

When you couple a bank bonus offer with a full-service online bank, you'll have a great place to grow your money with typically higher interest rates. Online banks tend to offer higher rates than brick-and-mortar banks because they usually have fewer overhead costs.

Currently, the national savings rate is 0.07% APY according to the FDIC while you can earn up to 4.00% APY with online savings accounts.

The bottom line is that when choosing a bank, find one that suits your needs.

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