Banks want to earn your business. To ensure new customers roll in and deposit their money, banks are willing to offer promotional bonuses to get them to sign up for a new checking account. Not all banks will do so, but many nationwide banks are in the game. If you’re looking to make a little bit of easy money, signing up for a new checking account can be a great way to do it.

Here are some of the top checking account bonuses that are currently available.


Chase has two bonus levels for those who want to open a new checking account. One is a $300 bonus for opening a Chase Premier Plus Checking1 account. However, it comes with a $25 monthly fee if you fail to keep a $15,000 average daily balance or have a mortgage with a bank other than Chase.

More accessible is a $200 bonus that comes from opening an account with Chase Total Checking2. All that’s required to earn this bonus is opening a new account and setting up a direct deposit to hit within the first 90 days the account is open. There is a $12 monthly account fee, but it’s waived as long as you make $500 in direct deposits each month, have a balance of at least $1,500 each day of the month or have an average daily balance of $5,000.

Wells Fargo

New customers who open up a Wells Fargo Everyday Checking3 account can qualify for a $400 bonus. To earn the bonus, you’ll have to open your new account online and deposit $25 to start. You’ll also need to put $3,000 in direct deposits into the account over each of the first three months the account is open. The account has a $10 monthly service fee, but you can avoid it with $500 in direct deposits. Since you’ll be making at least $3,000 in direct deposits each month to earn the bonus, you should not have a problem avoiding this fee.

Santander Bank

Another relatively easy bonus to earn from opening a checking account is offered by Santander Bank4. This bonus is only available to residents of states in the Northeast, but it offers $225 to people who qualify. You can open an account in a branch or online. You’ll need to make direct deposits that add up to at least $1,000 within the first 90 days after opening the account to earn the bonus. Depending upon the specific type of checking account you decide to open, you’ll have varied monthly fees that could require significant hoops to jump through to erase.

BMO Harris

Another great signup bonus that’s currently available is a $400 bonus from BMO Harris Bank. This bonus is only offered to people who live in several Midwestern states, Florida or Arizona. The BMO Harris Smart Advantage Account5 is the better option if you’re looking to avoid monthly fees on your new checking account. To earn the bonus, you’ll need to have direct deposits totaling $6,000 over the first 120 days the account is open. You’ll also have to opt-in for digital banking and paperless statements and make at least 10 qualifying transactions. After hitting the requirements you’ll have $400 deposited into your account within 150 days.

These are just a few of the best signup bonuses that you can earn from opening a new checking account. You might also check with your local banks to see if they offer similar bonuses. You won’t get wealthy from opening new checking accounts, but you can improve your cash flow a bit.