THE BANK BONUS COMPARISON TOOL

A better bonus starts with a comparison.

Choose up to three bank account bonuses. Compare qualifying deposits, fees, eligibility and payout timing, then share your comparison. Free, with no account required.

The requirements belong beside the reward. Compare the income you can redirect, the time allowed and ongoing fees before choosing.

This is our selected personal-bank catalog, not the whole market. Current links are unpaid. A comparison does not establish account approval or bonus eligibility.

The details, side by side.

Scroll across the table to see every selected offer.

Compare bank bonus requirements, fees and payout timing
What matters	Chase Total Checking®	360 Checking	Everyday Checking	SoFi Checking & Savings	PNC Virtual Wallet	PNC Virtual Wallet with Performance Select
The reward	$400 cash bonus	$250 cash bonus	$400 cash bonus	$400 maximum cash bonus	$100 cash bonus	$400 cash bonus
Required activity	$1,000 direct deposit	2 direct deposits of $500+	$1,000 electronic deposits	$5,000 direct deposit	$500 qualifying direct deposits	$5,000 qualifying direct deposits
Time to qualify	Within 90 days	Within 75 days	Within 90 days	Over a 25-day period	In the first 60 days	In the first 60 days
When the clock starts	90 days from offer/coupon enrollment—not necessarily your first paycheck.	75 days from account opening; two separate qualifying deposits must each reach $500.	90 calendar days from account opening.	The first recognized eligible direct deposit of $1 or more starts the 25-calendar-day measurement period.	The 60-day deposit window starts when you open the account, not when the first paycheck arrives.	The 60-day deposit window starts when you open the account, not when the first paycheck arrives.
Monthly maintenance fee	$15/mo · waivable	$0 monthly fee	$15/mo · waivable	$0 monthly fee	$7 monthly fee; waiver available	$25 monthly fee; waiver available
Fee details & waivers	$15 monthly fee; waived with $500+ in qualifying electronic deposits per statement period, or another qualifying balance or linked-account condition. Bonus is reported as interest.	No monthly service fee or minimum balance requirement. Other service charges may apply. Bonus is reported on Form 1099-INT.	$15 monthly fee; waiver options include $500 in qualifying electronic deposits each fee period, a $1,500 minimum daily balance, or other specified balance, age, or military conditions. Bonus requirements and fee waivers are separate.	No monthly account fee. Other service fees may apply; see SoFi’s fee sheet.	The $7 monthly charge can be waived with a $500 combined average monthly Spend/Reserve balance or $500 in qualifying monthly deposits to Spend. Age 62+ and eligible PNC-employee waivers also exist. Opening online requires no initial deposit; otherwise the minimum is $25. Optional paper statements and other services may cost extra; read the fee schedule.	The $25 monthly charge can be waived with $5,000 in qualifying monthly deposits to Spend, a $5,000 combined average monthly balance in Spend and up to seven eligible linked consumer checking accounts, or $25,000 across eligible linked deposit/wealth accounts. An eligible PNC-employee waiver also exists. Linking is not automatic. Opening online requires $0; otherwise $25. Other service fees may apply.
Who is excluded	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.	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.	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.	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.	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.	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.
What counts	Employer payroll, pension, or government benefits deposited electronically.	Regular periodic salary, pension, government payments, or other qualifying income through ACH or the Real-Time Payment network, as defined by Capital One.	Posted qualifying income via ACH direct deposit, RTP/FedNow, or specified third-party debit-card-network credits.	Recurring ACH income from an employer, payroll/benefits provider, or government agency.	Recurring pay, pension, Social Security or other regular income sent electronically by an employer or outside agency into the Spend account.	Recurring pay, pension, Social Security or other regular income sent electronically by an employer or outside agency into the Spend account.
What does not count	Checks, Zelle/person-to-person payments, micro-deposits, self-transfers, wires, tax refunds, dividends, retirement distributions, and debit transactions.	Wire transfers and transfers/ACH credits initiated through Capital One’s website or app. Do not assume an ordinary self-transfer counts.	Account-to-account transfers, mobile check deposits, Zelle, and branch or ATM deposits. Early Pay Day funds count when posted, not while pending.	Checks; Zelle, PayPal, Venmo, or Wise transfers; merchant payouts such as Stripe or Square; bank ACH transfers; wires; tax refunds; and nonrecurring deposits.	Transfers between accounts, person-to-person payments, wires, credit-card cash advances, and deposits by branch, ATM, mobile device or mail.	Transfers between accounts, person-to-person payments, wires, credit-card cash advances, and deposits by branch, ATM, mobile device or mail.
When it pays	Within 15 days after completing all requirements.	Assessment after the first 75 days can take up to 60 more days: up to 135 days total.	Within 30 calendar days after all requirements are met.	Within seven business days after completing the requirements.	The reward is credited 60–90 days after all conditions are met. Keep the eligible account open through payment.	The reward is credited 60–90 days after all conditions are met. Keep the eligible account open through payment.
Offer deadline	Enroll by Oct 14, 2026	End date not stated	Open by Oct 6, 2026	First deposit by Dec 31, 2026	Open by January 7, 2027	Open by January 7, 2027
Terms reviewed	2026-09-08	2026-09-08	2026-09-09	2026-09-08	2026-09-10	2026-09-10
Your next step	Read the full guide & save a plan ↗ Official issuer terms ↗	Read the full guide & save a plan ↗ Official issuer terms ↗	Read the full guide & save a plan ↗ Official issuer terms ↗	Read the full guide & save a plan ↗ Official issuer terms ↗	Read the full guide & save a plan ↗ Official issuer terms ↗	Read the full guide & save a plan ↗ Official issuer terms ↗

How to compare bank account bonuses

Start with eligibility. Check previous accounts and bonus history for every applicant. Two products at the same bank are not automatically two bonuses you can earn.
Match the activity, amount and window. A total deposit requirement and a requirement for multiple deposits are different. Use each offer’s definition of qualifying income; moving money between your accounts may not count.
Check the account after the promotion. A bonus deposit target may differ from the monthly fee-waiver requirement. Consider whether you want to keep using the account.
Compare the value after costs. Use your own fee and balance assumptions in the bank-bonus calculator. A bigger headline does not establish a better result.
Save the official terms. Open the detailed guide, check the linked issuer offer, then save your dates and checklist in My bonuses.

Is the highest bank bonus always best?

The amount alone does not account for eligibility, qualifying income, fees, access to your money or the work involved. This tool deliberately shows those requirements together so you can compare what you can complete.

Can I share my comparison?

Choose up to three offers and use “Copy comparison link.” The link contains only offer identifiers, with no balances, income amounts, account history or personal details. It reopens the selection using the offers available at that time. Terms can change, and an offer under review may no longer appear.

Where do the details come from?

The table uses the same dated, issuer-sourced records as our detailed guides. Only offers that pass the current build’s shortlist checks appear. Automated monitoring flags changes for review; it cannot guarantee that every term remains unchanged between checks. Read our review process and confirm the issuer’s terms before applying.