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 |
| Chase Savings℠ ↗ | $200 maximum | $10,000 new money for $200 | Fund 30d · hold 90d | $5/mo · waivable |
| Capital One 360 Checking · DEBIT250 ↗ | $250 | 20 eligible debit purchases over $10 | First 75 days | $0 monthly fee |
| PNC Virtual Wallet ↗ | $100 | $500 qualifying direct deposits | In the first 60 days | $7 monthly fee; waiver available |
| PNC Virtual Wallet with Performance Select ↗ | $400 | $5,000 qualifying direct deposits | In the first 60 days | $25 monthly fee; waiver available |
| U.S. Bank · Bank Smartly Checking ↗ | $450 maximum | 2 direct deposits · $8,000 for $450 | Within 90 days | $12/mo · first 2 cycles waived |
Choose up to three and compare the details that decide whether a bonus fits.
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. The offer cannot be combined with other consumer deposit promotions; limit one bonus per customer/account.
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.
Savings account
maximum cash bonus
No payroll requirement and a $10,000 threshold for its maximum cash tier; compare the listed interest rate and forgone interest.
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.
Checking account · debit purchase path
cash bonus
A fee-free $250 path for someone who cannot meet the CHECKING250 payroll requirement; choose one Capital One code, not both.
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.
Personal checking account
cash bonus
A $500 income-deposit target, but the $7 monthly fee can consume a meaningful share of the $100 reward.
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.
Personal checking account
cash bonus
An alternative for eligible PNC newcomers who can meet the larger deposit target and manage the $25 monthly fee.
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.
Checking account
maximum cash bonus
A $450 maximum with a clear three-tier payroll schedule; compare the larger deposit requirement and ongoing fee to simpler checking promotions.
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.
Compare required deposits, account history, fees and when the qualification clock starts. A maximum reward may have several tiers; the offer-specific steps explain which conditions apply. Eligibility restrictions can change which offer fits.
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.
How we choose and check offers →