E*Trade has a straightforward checking bonus that’s easy to hit with a normal paycheck. According to E*Trade’s checking offer page, you get $400 when you open a new individual or joint Max-Rate Checking account on etrade.com by Jan. 10, 2027 with promo code MAXRATE26, then make at least two direct deposits of $1,500 or more each within 90 days of opening. A direct deposit here means a recurring ACH deposit of income, like a paycheck, pension or government benefits, so simple transfers from another bank likely won’t count. You’re not eligible if you’ve had a Max-Rate Checking or Checking account in the last 12 months. The account has no monthly fees. It pays 2.00% APY on balances of $10,000 or more and 0.05% below that (E*Trade says the rate can change). To play it, open the account with the promo code, then split your paycheck for a couple of pay periods so at least two deposits of $1,500 or more land in the first 90 days. More deals at Points Quest.
The Points Quest