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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 SUMMER 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 1.40% APY with the CIT Bank Money Market account, that is 10x 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 1.40% APY.
  • Access your money easily with Zelle® & Bill Pay.
  • FDIC insured.
Learn More

Chime Checking Account – $100 Bonus


The Chime Checking Account is an online account that offers free overdraft protection, no monthly maintenance fee, free ATMs nationwide and an optional savings account that earns 1.50% APY.

To earn the $100 bonus you must:

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

Chime Checking 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.
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 0.13% 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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