Top Checking Account Bonus Offers Available Nationwide

Make easy money with checking account bonus offers available nationwide. Some banks are paying up to a $200 bonus to open a new checking 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 US. to get some free cash just by opening a new bank account.

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

Couple a bank bonus offer with a full-service online bank means you'll have a great place to grow your money with typically higher interest rates than traditional banks. 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 0.06% APY according to the FDIC while you can earn at least 0.50% APY or more with online savings accounts.

Plus online banks often provide customers with easy-to-use money management tools and financial advice.

Top Nationwide Checking Account Bonus Offers

Aspiration Spend & Save Plus – $200 Bank Bonus

Best-bank-bonus-now-without-a-direct-deposit-requirement
The Aspiration Spend & Save Plus Account offers a $200 sign-up bonus without a direct deposit requirement. The Spend & Save Account is similar to a checking account that earns interest, offers cashback on purchases made with your debit card, and has a $7.95 monthly service fee or $71.88 annually.

Aspiration offers the best bank bonus now without a direct deposit requirement.

Follow these 3 easy steps to get a $200 bonus added to your new Aspiration Spend & Save Plus account:

  • Open your Aspiration Spend & Save Account with at least $10.
  • Make at least $1,000 in cumulative eligible debit card purchases within the first 60 days. Receive your $200 bonus in your account within 120 days.
  • Once you’ve met the requirements, you’ll receive the money in the form of a statement credit within 120 days of account opening.

What Does the Aspiration Spend & Save Plus Account Offer?

  • Unlimited fee-free withdrawals at over 55,000 Allpoint ATMs.
  • No monthly Service Fee.
  • Get paid up to 2 days early if you have direct deposit.
  • Digital debit card access while you wait for your physical card to be mailed.
  • Up to 10% cashback on debit card purchases from the Spend part of the account.
  • Earn 0.25% APY on the first $10,000 in the Save part of the account, and then 0.10% APY on any funds over $10,000.
  • Choose your own monthly fee.
  • Cell phone protection.
  • Identity fraud expense reimbursement.
  • FDIC insurance for up to $2.46 million

Aspiration Spend & Save Account – $150 Bank Bonus

Best-bank-bonus-now-without-a-direct-deposit-requirement
The Aspiration Spend & Save Account offers a $150 sign-up bonus without a direct deposit requirement. The Spend & Save Account is similar to a checking account that earns interest, has no monthly fees and offers cash back on purchases made with your debit card.

Follow these 3 easy steps to get a $150 bonus added to your new Aspiration Spend & Save account:

  • Open your Aspiration Spend & Save Account with at least $10.
  • Use your Aspiration debit card to make at least $1,000 of cumulative transactions within the first 60 days of opening your account. The purchase requirement can be easily achieved simply by using your debit card for everyday purchases and bills like groceries, gas, utilities.
  • Once you’ve met the requirements, you’ll receive the money in the form of a statement credit within 120 days of account opening.

What Does the Aspiration Spend & Save Account Offer?

  • Unlimited fee-free withdrawals at over 55,000 Allpoint ATMs.
  • No monthly Service Fee.
  • Get paid up to 2 days early if you have direct deposit.
  • Digital debit card access while you wait for your physical card to be mailed.
  • Up to 10% cashback on debit card purchases from the Spend part of the account.
  • Earn 0.25% APY on the first $10,000 in the Save part of the account, and then 0.10% APY on any funds over $10,000.
  • Choose your own monthly fee.
  • Cell phone protection.
  • Identity fraud expense reimbursement.

Acorns Spend Account – $75 Bonus


The Acorns Spend Account is the first checking account with a debit card that saves, invests, and earns for you. With the Acorns Spend Account customers enjoy no monthly or overdraft fees, a debit card, and free ATM access nationwide. The Visa debit card is made with an impressive tungsten metal with a matte green finish and your signature custom-engraved.

To earn the $75 bonus you must:

  • Make Acorns Checking your direct deposit method with your employer.
  • Receive 2 direct deposits of at least $250 per deposit by Sept. 30, 2021, and the bonus will be deposited into your Acorns account within 45 days.

Acorns Spend Account Features

  • No overdraft fees.
  • Unlimited free or fee-reimbursed ATM withdrawals nationwide.
  • Rounds up purchases made with your debit card and invests the spare change.
  • Digital direct deposit and mobile check deposit and check sending.
  • Free bank-to-bank transfers.
  • Automated bill pay.
  • FDIC-protected checking account up to $250,000 plus fraud protection.

Unifimoney – Up to a $5,000 Bitcoin Reward


Unifimoney is a financial digital platform offering a high-yield checking account, self-directed and robo stock market investing, credit cards, cryptocurrency, and precious metals trading, loans, and automated money management.

To earn up to $5,000 in Bitcoin you must:

  • Have never previously funded a Unifimoney account.
  • Have successfully opened an account with Unifimoney and been approved for a cryptocurrency account on or after the Effective date (above) but before the termination of this promotion.
  • Make electronic deposits of at least $1,000 (for the $25 Bitcoin Reward), $10,000 (for the $100 Bitcoin Reward), $20,000 (for the $250 Bitcoin Reward), $50,000 (for the $500 Bitcoin Reward), $100,000 (for the $1,000 Bitcoin Reward, $250,000 for the $2,500 reward and $500,000+ for the $5,000 reward) to your Unifimoney account within a two week (14 day) time period from account creation.
  • Held the equivalent of that same deposit in your account in cash deposits and investments for: a minimum of 30 days (for the $25 and $100 Bitcoin Rewards) and a minimum of 90 days (for the $250, $500, and $1,000, $2,500 and $5,000 Bitcoin Rewards).

Unifimoney Account Features

  • The minimum deposit to open a Unifimoney high-yield checking account is $100.
  • Earn 0.20% interest rate.
  • 55,000+ fee-free ATMs nationwide within the Allpoint ATM network.
  • Mobile banking with remote check deposit.
  • Optional checkbook.
  • Get up to a $5,000 Bitcoin reward (*Terms apply).
  • FDIC insurance up to $750,000 (including principal & interest).

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

To earn the $100 bonus you must:

  • Open a new business checking account using the promo code EARN100.
  • For 90 days, maintain an average daily balance of $5,000.
  • 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.

Chime Spending Account – $25 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 $25 bonus you must:

  • Receive a qualifying direct deposit of $200+ by October 1, 2021, and you'll earn a $25 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.

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.

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 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


HSBC Bank — $200 Bank Bonus

New customers that open the Advance Checking Account can earn a $200 bonus. Here is how it works:

  • Set up monthly direct deposits of at least $500 for three consecutive months following the account opening month.
  • The monthly service fee is $25 fee. The fee can be waived with a minimum combined balance of $5,000 between deposit and investment accounts; monthly direct deposits to an HSBC Advance checking.

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.


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