Battle Map · updated 2026-10-24 · 12 verified bank bonuses
Bank Bonuses Right Now: Banks Paying You Cash to Open an Account
Real cash for opening a checking or savings account, verified on each bank's own page and ranked by the dollars you actually keep after fees. Rates are not included. Top right now: HSBC, you keep $3,000.
Sort: Most dollars kept · Biggest headline bonus
| # | Bank · account | You keep | What it takes | Money must stay | Monthly fee & how to avoid it | Credit pull | States | Status |
|---|---|---|---|---|---|---|---|---|
| 1 | HSBC Premier Checking | +$3,000 on $500,000 over 120 days* $3,000 max bonus · ~1.8% annualized | $50,000 new money Tiers: $1,000 at $50,000, $1,500 at $100,000, $2,000 at $250,000, $3,000 at $500,000 | about 120 days | $50/mo unless Premier criteria met (e.g. $100,000 combined balances); we subtract 4 months below $100k | soft † | Nationwide | Ends 2026-12-31 |
| 2 | E*TRADE (Morgan Stanley Private Bank) Premium Savings Account | +$1,673 on $100,000 over 75 days* $800 max bonus · ~8.1% annualized | $20,000 new money Tiers: $400 at $20,000, $800 at $100,000 | about 75 days | No monthly fee | Unknown | Nationwide | Ends 2027-01-10 |
| 3 | Chase Chase Total Checking + Chase Savings | +$900 on $15,000 over 90 days* $900 max bonus · ~24.3% annualized | $15,000 in savings + direct deposit · direct deposit | about 90 days | Both fees waivable ($500 deposits / $300 balance) | soft † | Nationwide | Ends 2027-01-27 |
| 4 | U.S. Bank Bank Smartly Checking | +$438 on $10,000 over 90 days* $450 max bonus · ~17.8% annualized | $8,000 in direct deposits for $450 · direct deposit Tiers: $250 ($2,000 DD), $350 ($5,000 DD), $450 ($8,000 DD) | about 90 days | $12/mo; first two statement periods waived, then waivable | soft † | Nationwide | Ends 2026-11-10 |
| 5 | SoFi SoFi Checking and Savings | +$400 on $10,000 over 30 days* $400 max bonus · ~48.7% annualized | $5,000 in direct deposits for $400 · direct deposit Tiers: $50 ($1,000 DD), $400 ($5,000 DD) | about 30 days | No monthly fee | soft † | Nationwide | Ends 2026-12-31 |
| 6 | PNC Virtual Wallet with Performance Select | +$400 on $10,000 over 60 days* $400 max bonus · ~24.3% annualized | $5,000 in direct deposits · direct deposit | about 60 days | $25/mo service charge unless waived (e.g. $5,000 monthly direct deposit) | soft † | Select states (check ZIP) | Ends 2027-01-07 |
| 7 | Wells Fargo Everyday Checking | +$325 on $10,000 over 90 days* $325 max bonus · ~13.2% annualized | $1,000 in direct deposits · direct deposit | about 90 days | $15/mo, waived with $500+ qualifying electronic deposits | soft † | Nationwide | Ends 2027-01-13 |
| 8 | Citi Citibank Regular Checking | +$325 on $10,000 over 90 days* $325 max bonus · ~13.2% annualized | $3,000 in Enhanced Direct Deposits · direct deposit | about 90 days | $15/mo, waived with $250+ Enhanced Direct Deposits | Unknown | Nationwide | Ends in 2 days |
| 9 | Chase Chase Total Checking | +$300 on $10,000 over 90 days* $300 max bonus · ~12.2% annualized | Any direct deposit · direct deposit | about 90 days | $15/mo, waived with $500+ in qualifying electronic deposits per statement period | soft † | Nationwide | Ends 2027-01-27 |
| 10 | Chase Chase Savings | +$200 on $15,000 over 90 days* $200 max bonus · ~5.4% annualized | $15,000 new money | about 90 days | $5/mo, waived with $300+ daily balance | soft † | Nationwide | Ends 2027-01-27 |
| 11 | Barclays Tiered Savings | +$200 on $25,000 over 150 days* $200 max bonus · ~1.9% annualized | $25,000 | about 150 days | No monthly fees | Unknown | Nationwide | Ends in 7 days |
| 12 | PNC Virtual Wallet | +$100 on $10,000 over 60 days* $100 max bonus · ~6.1% annualized | $500 in direct deposits · direct deposit | about 60 days | $7/mo unless waived (e.g. $500 direct deposit) | soft † | Select states (check ZIP) | Ends 2027-01-07 |
* You keep = top bonus + interest earned − est. fees, on the top tier's required balance (or $10,000 for direct-deposit offers) over the hold period. The grey annualized figure is for reference only. † Credit pull is from public Doctor of Credit data points, not the bank. Bonuses are taxable (usually a 1099-INT). Banks can end offers early: confirm on the bank's page.
Heat is based on real CashWars visitor clicks.
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