Bank and brokerage bonuses are the quiet side of the points hobby. There is no credit card application, no annual fee, and the payout is cash you can spend on anything, including a trip. This page collects the live checking, savings, business, and brokerage bonuses we have covered, with the deposit you need, the deadline, and the date we last checked each one on the bank’s own page.
Checked October 27, 2026: we reconfirmed the Chase, E*Trade, Schwab, Wells Fargo, Bask, and tastytrade headline offers on their own pages today. Bank of America, Navy Federal, and Citibank pages did not load for our check today, so those rows show the date of our last confirmed check.
Before you open anything
Bank bonuses are usually taxable income, and banks may send you a 1099 for them. Read the offer terms on the bank’s page the day you open, because bonuses can end early or change without notice.
Bank account bonuses at a glance
| Offer | Bonus | What you need to do | Deadline | Last checked |
|---|---|---|---|---|
| Chase Total Checking | $300 ($900 with savings) | A qualifying direct deposit within 90 days | Jan. 27, 2027 | Nov 2, 2026 |
| Bank of America Advantage checking | $100 to $500 | $2,000 to $10,000+ in qualifying direct deposits within 90 days | Jan. 31, 2027 | Oct 16, 2026 |
| E*Trade Max-Rate Checking | $400 | Two direct deposits of $1,500+ each within 90 days | Open by Jan. 10, 2027 | Oct 27, 2026 |
| Navy Federal checking (new members) | $400 | Join with the promo code, open checking, then qualifying direct deposits by April 30, 2027 | Dec. 31, 2026 | Oct 15, 2026 |
| Schwab Investor Checking | $250 to $1,000 | $25,000 to $100,000+ in new money, held through Dec. 25, 2026 | Deposit by Nov. 10, 2026 | Oct 27, 2026 |
| Wells Fargo Premier Checking | $2,500 | $250,000 in qualifying linked balances (investments count) | Nov. 9, 2026 | Oct 27, 2026 |
| Bask Bank checking + savings bundle | Up to $300 plus a temporary APY boost | $10,000 average in savings and $2,500+ monthly deposits to checking, for up to six months | Open by Dec. 31, 2026 | Oct 27, 2026 |
| Connexus Credit Union Xtraordinary Checking | $100 to $300 | Promo code XTRABONUS, 15 debit purchases (or $500 debit spend), eStatements and a $500+ deposit in two months, with a $5,000 to $15,000+ average balance | Open by Dec. 20, 2026 | Oct 28, 2026 |
| Synchrony High Yield Savings (paid by Rakuten) | $100 from Rakuten | Deposit $1,000+ from an outside bank within 55 days | None listed | Oct 27, 2026 |
| Bank of America business checking | $400 to $2,500 | $5,000 to $200,000+ in new money within 30 days, then hold the balance | Nov. 30, 2026 | Oct 19, 2026 |
| Citi Regular Checking + Savings | $325 or $475 | $3,000 in direct deposits within 45 days; for $475 also open Citi Savings and hold $5,000 from day 46 to 90 | Jan. 11, 2027 | Oct 30, 2026 |
| Citibank business checking | $300 to $2,000 | $5,000 to $200,000+ new to Citi within 45 days, held another 45 | Jan. 6, 2027 | Oct 8, 2026 |
| Associated Bank checking | $300 to $600 | $500+ in qualifying direct deposits within 90 days, then a $1,000 to $10,000+ average balance on days 31 to 90 (online opening in 10 Midwest states) | Nov. 30, 2026 | Nov 5, 2026 |
| Eastern Bank checking + savings | $350, $250 or $750 for both | Checking: $3,000 in direct deposits within 90 days. Savings: $15,000 deposited in 30 days and held 90 more days (MA, NH, ME and RI only) | Nov. 20, 2026 | Nov 5, 2026 |
| North Shore Bank checking | $400 | Open with promo code FALL26 and complete the qualifying transactions listed on the offer page (local FDIC bank; confirm footprint and eligibility) | Nov. 7, 2026 | Nov 6, 2026 |
| Banner Bank checking + savings | $400 to $800 | Checking: $2,000 or $5,000 in direct deposits plus a balance hold; optional savings or High Yield Relationship Savings for another $250 to $400 (promo 2026EM; Pacific Northwest footprint) | Nov. 30, 2026 | Nov 6, 2026 |
| tastytrade brokerage | $50 to $2,000 | $2,500 to $100,000+ in net deposits within 30 days, kept for 12 months | Nov. 30, 2026 | Oct 27, 2026 |
Each link goes to our write-up with the full rules, and each write-up links to the bank’s own offer page. Open through the bank’s page, not a search ad, so the right offer code is attached.
Easiest if you have a paycheck
Direct deposit bonuses are the simplest to earn. Chase wants a qualifying direct deposit within 90 days, with no minimum amount in its current terms. E*Trade wants two deposits of $1,500 or more. Bank of America pays on a sliding scale from $100 to $500 depending on how much arrives in 90 days. Most employers let you split a paycheck between two accounts, so you can send just enough to the new account for a couple of pay periods and leave the rest where it is.
Watch the definition of direct deposit. E*Trade and Bank of America both say it means recurring income such as a paycheck, pension, or government benefits, so a transfer from your other bank may not count.
Best if you have savings to move
Balance bonuses pay more but tie up money. Schwab pays $250 to $1,000 for new money held through Dec. 25, 2026. Wells Fargo’s $2,500 needs $250,000 in linked balances, but investment balances at Wells Fargo Advisors count, so moving a brokerage account you already own can qualify. tastytrade pays up to $2,000 for a new brokerage account, but the deposit has to stay for 12 months.
Do the math before you move cash. A bonus is only worth it if it beats what the same money would earn in a high-yield savings account over the holding period. Chase Savings and Wells Fargo Premier Checking both pay very little interest, so plan to move the money back out once the holding period ends.
Business checking bonuses
If you run a business or side business, Bank of America and Citibank both pay tiered bonuses for new money in a new business checking account. Neither needs direct deposit, but both need you to hold the balance for a set period, and Citibank needs a business specialist to open the account. Business card bonuses are often bigger. See our welcome bonus list for the current Chase Ink offers.
How bank bonuses fit a points strategy
Cash from a bank bonus can pay for the parts of a trip that points don’t cover, like taxes on award tickets or a rental car. It also keeps you out of new credit card applications while you wait to get under issuer limits. If you take Rakuten payouts as Amex Membership Rewards or Bilt points, the Synchrony offer above turns into transferable points. Our Rakuten guide explains how that works, and How to Use Credit Card Points covers what to do with them.
Considering Chase’s bank offer? Our Chase checking bonus review breaks down the $300 checking bonus, the $900 checking and savings combo, the direct deposit rules, and the monthly fees.
Comparing no-fee banks? Our SoFi checking and savings bonus review explains how to earn up to $400 with direct deposit, what counts, and the 1.10% APY boost for new members.
FAQ
Are bank account bonuses taxable?
Usually yes. Schwab says it may send a 1099 for its bonus, and Wells Fargo says its bonus is reported as taxable income. Set aside part of any bonus for taxes.
Can I get the same bonus again?
Sometimes, after a waiting period. Chase allows one checking bonus every two years. Wells Fargo excludes anyone who got a Premier Checking bonus in the past 12 months, and Bank of America excludes anyone who owned one of its personal checking accounts in the past 12 months. Each write-up above lists the exact rule.
How often is this page updated?
We add new bank bonuses as we cover them on our deals page and mark expired ones there. The “Last checked” column shows when we last confirmed each offer on the bank’s own page.
Related: Best Credit Card Sign Up Bonus Offers, Start Here, and Points Valuations.
The Points Quest
Points Quest is educational content only, not personalized financial advice. Offers above come from each bank’s own offer page on the date in the “Last checked” column. Bonuses change and can end early; confirm the terms on the bank’s site before you open an account. Advertiser Disclosure