Start with the deposit requirement, qualification window, and ongoing fee. These source-checked offers are a starting point for your research.
Start with what must arrive in the account, how long you have, and what the account costs. Read the full guide for eligibility and exact transaction rules.
| Account | Bonus | Required activity | Window | Monthly fee |
|---|---|---|---|---|
| Chase Total Checking® ↗ | $400 | $1,000 direct deposit | Within 90 days | $15/mo · waivable |
| Capital One · 360 Checking ↗ | $250 | 2 direct deposits of $500+ | Within 75 days | $0 monthly fee |
| Wells Fargo · Everyday Checking ↗ | $400 | $1,000 electronic deposits | Within 90 days | $15/mo · waivable |
| SoFi Checking & Savings ↗ | $400 maximum | $5,000 direct deposit | Over a 25-day period | $0 monthly fee |
Checking account
cash bonus
A lower qualifying-deposit hurdle than SoFi for the same $400 maximum in this shortlist.
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.
Checking account
cash bonus
No monthly fee and a $1,000 combined hurdle, provided it arrives as two qualifying deposits.
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.
Checking account
cash bonus
Another $1,000-deposit option when you cannot qualify for Chase; compare fee-waiver conditions.
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.
Checking + savings
maximum cash bonus
No monthly account fee; the maximum reward requires a much larger deposit total in a shorter window.
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 $400 maximum bonus can mean very different requirements. Chase asks for $1,000 in qualifying direct deposits within 90 days of enrollment; SoFi’s maximum tier asks for $5,000 over a 25-day period. Eligibility restrictions and fees can change which offer fits.
Read the Chase vs. SoFi comparison ↗Read the current official offer page, save the terms, and confirm your eligibility. Our shortlist does not cover every product or guarantee approval. Each review date describes the linked offer snapshot; automated page checks flag changes for a separate editorial review.
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