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If you open a new Chase Total Checking account and set up a direct deposit within 90 days, you’ll earn a 300 bonus. If you open a new Chase Savings account and deposit 15,000 in new money within 30 days and maintain a 15,000 balance for 90 days, you’ll earn a 200 bonus. When you qualify for both of these bonuses, you’ll earn an extra 400, for a total bonus of 900. Unify Financial Credit Union will give you up to 150 if you open up a qualifying UNIFY Checking Account. It’s a free checking account with no minimum balance fees or a direct deposit requirement.
- Here’s everything you’d need to do to obtain the 3.30percent APY.
- If you find discrepancies with your credit score or information from your credit report, please contact TransUnion directly.
- Note that you’re allowed to receive one bonus that’s related to opening a new checking account every two years, and you can receive only one bonus per account.
- For this article, we at the MarketWatch Guides team looked at more than 40 bank accounts that regularly offer welcome bonuses, including online checking accounts and savings accounts.
- Your account must be opened for 90 days before the bonus is deposited into your account.
The content on this site is for informational and educational purposes only and should not be construed as professional financial advice. Please consult with a licensed financial or tax advisor before making any decisions based on the information you see here. In Computer Science and Economics from Carnegie Mellon University, an M.S. In Information Technology – Software Engineering from Carnegie Mellon University, as well as a Masters in Business Administration from Johns Hopkins University. His approach to personal finance is that of an engineer, breaking down complex subjects into bite-sized easily understood concepts that you can use in your daily life. FirstBank, with branches in Colorado, Arizona, and California; is offering a 300 bonus if you open a FirstBank Bloom Package with very simple requirements.
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Axos Bank has low minimum balance requirements to open its deposit accounts, no monthly fees and no overdraft charges. The Reward Checking account offers unlimited ATM fee reimbursements and supports cash deposits through ATMs, a service not all online banks offer. How many bank accounts you should have is a personal choice, but the more you have, the more complicated your personal finances could be. If you prefer to do all of your banking under one roof, then having one checking account and one savings account from one financial institution might be a good idea. If you want to take advantage of different banks’ perks, consider having multiple checking and savings accounts. There is a monthly service charge on both accounts that can be waived if you meet certain requirements.
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The details Look At This are more complicated than other featured bank bonuses on our list, but this is a unique offer that stretches over a few months. SoFi’s checking and savings account has no monthly fees or overdraft fees. You’ll earn a 4.60percent APY on your savings balance, and direct deposits hit your checking account up to two days early. You can also earn up to 15percent cashback on SoFi debit card purchases. Smart Advantage Checking and Smart Money Checking both come with 350 bonuses with at least 4,000 in qualifying direct deposits in the first 90 days.
The promotion applies to new checking and savings accounts or accounts owned by existing members as long as no direct deposit has ever been established. Don’t let enticing offers distract you from the most important aspects of a bank account, such as fees, minimums and benefits. Avoid counting on bank bonuses as a source of income when money is tight—you might not receive the cash for months after opening. If you’re looking for a bank account you can use long term, make a list of accounts that meet your needs first, and then do some searches to see if any of them are offering new account bonuses.
Then, you continue earning a 20 cash reward for every month you make qualifying ACH direct deposits during the first 12 months, and 10 for every month after that for as long as you have the account. You will also earn 4.60percent APY (unlocked with direct deposit or by depositing 5,000+ every 30 days, otherwise 1.20percent APY) on your savings account and 0.50percent APY on your checking account. Once you’ve narrowed down your options, review a couple of institutions to see if bonuses are available. For example, you’ll likely find several offers if you want a traditional checking account with a national brick-and-mortar bank. You can compare the requirements and cash bonus values and see if there’s a standout option. The Internal Revenue Service taxes any bank account bonuses you earn at the same rate as your income, which is between 10 and 37 percent in 2023.
With more than 1 million users and 6 billion in assets, M1 could be worth considering if you are just getting started investing or looking for an easy-to-use, no-fee investment account. Revolut is a cash management account with plans starting at 0 per month. Funds stored with Revolut are backed up to federal allowable limits by Metropolitan Commercial Bank, Member FDIC. The bonus will be paid by the 15th of the month following the three-month qualification period. Annual percentage yields and other account details are accurate as of June 17, 2024.