Starting points within our 21-offer active shortlist, not a ranking of the entire market. How we choose · Source watch
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A straightforward start
Chase Total Checking®
Checking account
$400
cash bonus
$1,000 direct deposit
Within 90 days
$15/mo · waivable
A lower qualifying-deposit hurdle than SoFi for the same $400 maximum in this shortlist.
Check eligibility before applying
Existing Chase checking customers are excluded. Closed-account restrictions apply; one checking opening bonus per two years. Transfers from your own bank do not count.
No monthly fee and a $1,000 combined hurdle, provided it arrives as two qualifying deposits.
Check eligibility before applying
Ineligible if you held 360 Checking, Simply Checking, or Total Control Checking as primary or secondary owner on or after January 1, 2024. Only one account bonus; offers cannot be combined.
Another $1,000-deposit option when you cannot qualify for Chase; compare fee-waiver conditions.
Check eligibility before applying
New consumer checking primary owners only. No Wells Fargo consumer checking bonus in the past 12 months. Employees, specified nonresident/foreign applicants using Form W-8, and Private Bank deposits are excluded. The offer cannot be combined with other consumer deposit promotions; limit one bonus per customer/account.
No monthly account fee; the maximum reward requires a much larger deposit total in a shorter window.
Check eligibility before applying
Only members who have never set up SoFi direct deposit qualify. Payroll, pension, and government benefits can qualify; self-transfers and tax refunds do not.
A $500 welcome-bonus purchase target and no annual fee, with additional category rewards only if you manage activation.
Check eligibility before applying
Current Freedom Flex cardmembers and former cardmembers who received its new-cardmember bonus within the last 24 months are excluded. Offers can vary by application channel.
No payroll requirement and a $10,000 threshold for its maximum cash tier; compare the listed interest rate and forgone interest.
Check eligibility before applying
Unavailable to existing Chase savings customers, people whose Chase savings account closed within 90 days or closed with a negative balance in the last three years, and people who received a new savings opening bonus within two years of the last coupon enrollment. Ownership can create additional limits.
A fee-free $250 path for someone who cannot meet the CHECKING250 payroll requirement; choose one Capital One code, not both.
Check eligibility before applying
Ineligible if you held 360 Checking, Simply Checking, or Total Control Checking as a primary or secondary Capital One account holder on or after January 1, 2024. Only one code and one new-account bonus apply; the debit and direct-deposit paths cannot be stacked.
A $500 income-deposit target, but the $7 monthly fee can consume a meaningful share of the $100 reward.
Check eligibility before applying
You and any other signer must have no existing PNC consumer checking account and no account closed within the past 12 months. The promotion also excludes a primary signer on a consumer checking account that received a PNC bonus in the past 24 months.
An alternative for eligible PNC newcomers who can meet the larger deposit target and manage the $25 monthly fee.
Check eligibility before applying
You and any other signer must have no existing PNC consumer checking account and no account closed within the past 12 months. The promotion also excludes a primary signer on a consumer checking account that received a PNC bonus in the past 24 months.
A $400 tier with a smaller deposit is available; the maximum reward is not automatically the better use of cash.
Check eligibility before applying
Existing Chase business checking customers, specified political/government accounts, JPMorgan Chase employees and affiliates, and restricted prior closures are excluded. Signers can receive one business checking offer per two years.
No monthly maintenance fee; compare the cash you must retain and the transaction rules before opening.
Check eligibility before applying
Businesses with an existing U.S. Bank business checking account or one closed within the past 12 months are excluded. One bonus per business; no combining business checking bonuses. Current U.S. Bank employees are excluded.
Compare the $25,000 cash commitment, fee-waiver conditions and your actual business transaction needs with the $400 Essentials tier.
Check eligibility before applying
Only one U.S. Bank business checking bonus per business; the $400 Business Essentials and $1,200 Platinum tiers cannot be stacked. An existing U.S. Bank business checking account or one closed within 12 months disqualifies the business; current U.S. Bank employees are excluded.
The $1,000 gross reward requires $30,000 in the master account over three statement cycles. Compare forgone interest, business cash needs and possible fees before choosing it.
Check eligibility before applying
PNC’s expanded $1,000 footnote limits the offer to businesses with annual revenue below $10 million. No signer may have signing authority on an existing PNC business checking account, have closed one in the past 90 days, or have received a promotional premium in the past 12 months. Multiple accounts with the same signers can earn only one reward. Daily, weekly and quarterly statement cycles, and established, converted or repurposed PNC accounts, are excluded. Changing the checking product after opening can change eligibility, terms or reward amount.
Business Advantage Unlimited Cash Rewards Mastercard®
Business credit card
$500
cash rewards bonus
$5,000 in purchases
Within 90 days
$0 annual fee
A $5,000 purchase target and no annual fee may fit a smaller existing business budget; the issuer’s online offer and full application terms control.
Check eligibility before applying
This is an online-only offer for the named business card. The public product page does not give a complete new-cardholder or prior-card bonus exclusion list. Confirm your business/application eligibility and the exact accepted offer before you plan the $5,000 target.
Compare its capped business spending categories with your actual expenses.
Check eligibility before applying
The bonus may be unavailable if you have ever held this card or another Chase for Business card with no annual fee. Chase may also consider business-specific factors.
A flat 1.5% purchase-reward structure may be easier to manage than categories.
Check eligibility before applying
The bonus may be unavailable if you have ever held this card or another Chase for Business card with no annual fee. Chase may also consider business-specific factors.
A $450 maximum with a clear three-tier payroll schedule; compare the larger deposit requirement and ongoing fee to simpler checking promotions.
Check eligibility before applying
You and every owner of the new account must have no current U.S. Bank consumer checking account, no such account in the last 12 months, and no other U.S. Bank consumer checking bonus in the last 12 months. Trust accounts and Alliance-partnership openings are excluded; availability may depend on the U.S. Bank footprint.
A curated starting point, not the whole market. Offers can change. Always confirm current terms with the issuer.
FOR THE BUSINESS YOU’RE BUILDING
Put your working money to work.
Compare what stays in the bank with what goes on the card. A deposit requirement ties up cash; a purchase requirement uses your spending budget. Plan for each separately.
LESS GUESSWORK. MORE GOOD FINDS.
A bonus shouldn’t be a puzzle.
We bring the details together. You decide what fits your life.