Best bank bonuses of September 2021

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Aspiration Plus $150 bonus

What you get: $150 bonus

How you earn it: Open a new Aspiration Spend & Save account. Then, enroll in Aspiration Plus either at sign up or within 60 days of account opening. You must have at least $10 to deposit when opening the account and you must spend at least $1,000 within the first 60 days of account opening.

How you qualify: This offer is only available to those who don’t already have bank accounts through Aspiration Bank.

When you’ll get it: It can take up to 120 days after you’ve completed all the qualifying activities for your funds to appear in your account. This is longer than many other bank bonuses.

Credit inquiry: Like most of the offers here, this one involves a soft credit inquiry that doesn’t affect your credit score.

Where to open an account: Aspiration is an online-only bank, so you must go to its website to open your account.

Monthly fees: Aspiration Plus charges $7.99 per month, though you’ll only pay $5.99 per month if you choose to pay annually.


Bank of America Advantage Banking $100 bonus

What you get: $100 bonus.

How you earn it: Open a new Bank of America Advantage Banking account by Dec. 31, 2021, and receive qualifying direct deposits of $1,000 or more within 90 days of opening your account. This is one of the best bank promotions because it requires minimal effort.

How you qualify: Only individuals who have not had a Bank of America personal checking account within the last 12 months are eligible for this bank offer. This is fairly average for bank account offers.

When you’ll get it: Once you’ve fulfilled the requirements, Bank of America will deposit your $100 into your account within 60 days.

Credit inquiry: Bank of America does a soft pull, which does not hurt your credit.

Where to open an account: You must open your Bank of America Advantage Banking account online in order to claim this bonus.

Monthly fees: Depending on which Advantage Banking account you choose, you could owe a monthly fee ranging from $4.95 to $25 if you don’t meet the qualifying activities to waive the maintenance fee. Because this bank account bonus is so small, make sure you avoid maintenance fees — bank incentives disappear quickly in accounts with extra fees.


Chase College Checking℠ $100 bonus

What you get: $100 bonus.

How you earn it: Open a new Chase College Checking℠ account by Oct. 18, 2021, and make 10 qualifying transactions (debit card purchases, online bill payments, direct deposits, Chase QuickDeposit℠, check payments, or Chase QuickPay® with Zelle®) within 60 days of account opening. This ranks among the best bank account bonuses because earning it is simple.

How you qualify: You must be a college student between the ages of 17 and 24 to open a Chase College Checking℠ account with a valid student ID or proof of enrollment. This offer is not available to current Chase College Checking℠ account customers or those who have had a Chase checking account closed within the last 90 days or closed with a negative balance.

When you’ll get it: Chase will deposit your bank bonus within 15 days of completing the qualifying activities. Chase deposits their bank incentives faster than most competitors’ bank bonus offers.

Credit inquiry: Chase does a soft inquiry that won’t hurt your credit (common among the best bank deals).

Where to open an account: Apply for a Chase College Checking℠ account online if you’d like to pursue this bonus.

Monthly fees: As long as you are a college student between the ages of 17 and 24, you qualify for no monthly service fee for up to five years. We believe it’s important for the best bank bonuses to include as few long-term fees as possible, so this is a plus.

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Capital One 360 Checking $150 bonus

What you get: $150 bonus

How you earn it: Open a Capital One 360 Checking account by Aug. 17, 2021, using promo code BONUS150. Then, receive at least two direct deposits of $750 or more each within the first 75 days of account opening.

How you qualify: Those who have had a Capital One 360 Checking account on or after Jan. 1, 2018, or whose account is not in good standing will not be eligible for this bonus.

When you’ll get it: If you open your account in July, you’ll receive the bonus by Dec. 31, 2021. If you open your account in August, you’ll receive the bonus by Jan. 31, 2022.

Credit inquiry: Capital One does a soft credit inquiry that doesn’t affect your credit score.

Where to open an account: You can open your Capital One 360 Checking account online.

Monthly fees: The Capital One 360 Checking account doesn’t have any monthly fees.


Citi Citigold Checking $300, $700, or $1,500 bonus

What you get: $300, $700, or $1,500 bonus

How you earn it: You must open a Citigold® Checking account by Oct. 4, 2021, and deposit new-to-Citibank funds within 20 days of account opening. You must then maintain the required minimum balance in your account for an additional 60 days. The amount you deposit determines the size of your bonus as shown below:

  • $300 cash bonus: $15,000 minimum balance
  • $700 cash bonus: $50,000 minimum balance
  • $1,500 cash bonus: $200,000 minimum balance

How you qualify: You must be at least 18 years old, and you may not have had a Citi checking account within the last 180 days. You must also furnish or have a valid Form W-9 or Form W-8BEN on file with Citibank and maintain a combined $200,000+ in eligible linked deposit, retirement, and investment accounts.

When you’ll get it: You’ll receive your bonus within 90 days of completing all qualifying activities.

Credit inquiry: Citi does a soft inquiry on your credit report, which does not affect your credit score.

Where to open an account: You must open your Citigold® Checking account online in order to claim this bonus.

Monthly fees: The Citigold® Checking account does not have monthly fees.


HSBC Premier Checking $450 bonus

What you get: $300 bonus

How you earn it: You must open a new HSBC Premier Checking account by Aug. 31, 2021, and make recurring qualifying direct deposits totaling at least $5,000 per month for three consecutive months from the second full calendar month after opening.

How you qualify: Customers who have had an HSBC consumer deposit accounts between Mar. 31, 2018, and Mar. 31, 2021, are not eligible for this bonus.

When you’ll get it: You’ll receive your bonus approximately eight weeks after completing all qualifying activities.

Credit inquiry: HSBC only does a soft credit inquiry, which doesn’t affect your credit.

Monthly fees: There’s a monthly fee of $50, which you can waive by meeting one or more qualifying activities.


Huntington National Bank Huntington 25 Checking $300 bonus

What you get: $300 bonus

How you earn it: Open a new Huntington 25 Checking account by Oct. 7, 2021, deposit at least $25,000 in new-to-Huntington funds into your account within 60 days. Similar to other bank account offers, you must keep your account open for 90 days.

How you qualify: This offer is only available to residents of Illinois, Indiana, Kentucky, Michigan, Ohio, Pennsylvania, and West Virginia. Also, as with most of the best checking account offers, only new Huntington customers who have not had a Huntington checking account within the last six months are eligible.

When you’ll get it: You’ll receive your $500 within 14 days of completing the qualifying activities. This stands out as one of the best bank account bonuses because you’ll get your rewards fairly quickly.

Credit inquiry: Huntington does a soft credit pull that does not affect your credit.

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Where to open an account: You may open your Huntington 25 Checking account online or at a branch location to claim your bonus. Many bank offers can’t be redeemed at a branch, so this is unique. If you choose to open your account at a branch, you still have to visit Huntington’s website and enter your email to get the promo code you will need to claim the bonus.

Monthly fees: There’s a $25 monthly fee, which you can waive if your average balance is $25,000 or more.


Huntington National Bank Huntington 5 Checking $200 bonus

What you get: $200 bonus.

How you earn it: Open a new Huntington 5 Checking account by Oct. 7, 2021, deposit at least $1,000 in new-to-Huntington funds into your account within 60 days, and keep your account open for 90 days.

How you qualify: This offer is only available to residents of Illinois, Indiana, Kentucky, Michigan, Ohio, Pennsylvania, and West Virginia. Only new Huntington customers who have not had a Huntington checking account within the last six months are eligible.

When you’ll get it: You’ll receive your $200 bonus within 14 days of completing the qualifying activities.

Credit inquiry: Huntington does a soft credit pull that does not affect your credit.

Where to open an account: Unlike many bank deals, you may open your Huntington 5 Checking account online or at a branch location to claim your bonus. If you choose to open your account at a branch, though, you need to enter your email on the Huntington 5 Checking offer page and the bank will send you a promo code.

Monthly fees: There’s a $5 monthly fee, which you can waive if your average balance is $5,000 or more. The best bank promotions are attached to accounts without monthly fees, so we only recommend this if you can keep the minimum balance above that amount.


Huntington National Bank Asterisk-Free Checking $150 bonus

What you get: $150 bonus.

How you earn it: Open a new Huntington Asterisk-Free Checking account by Oct. 7, 2021, deposit at least $1,000 in new-to-Huntington funds into your account within 60 days. As with most bank account bonuses, you need to keep your account open for 90 days.

How you qualify: This offer is only available to residents of Illinois, Indiana, Kentucky, Michigan, Ohio, Pennsylvania, and West Virginia. Only new Huntington customers who have not had a Huntington checking account within the last six months are eligible.

When you’ll get it: Huntington will deposit your $150 into your account within 14 days of completing the qualifying activities. Many bank bonus offers don’t deposit for 1-2 months, so 14 days is unusually fast.

Credit inquiry: Huntington National Bank does a soft credit inquiry that will not hurt your credit.

Where to open an account: You can open your Asterisk-Free Checking account online or at a branch location to claim this bonus. Those planning to open their account at a branch will need to enter their email on the Huntington Asterisk-Free Checking online offer page to get the necessary promo code.

Monthly fees: There is no monthly fee for this account. As many accounts charge a monthly fee, we consider this to be one of the best bank account bonuses in the long term.


PNC Bank Virtual Wallet with Performance Select $300 bonus

What you get: $300 bonus

How you earn it: You must open a PNC Bank Virtual Wallet with Performance Select account by Sep. 30, 2021, and you must direct deposit at least $5,000 within the first 60 days of account opening.

How you qualify: You won’t qualify for this bonus if you have a current PNC Bank checking account or have closed one within the past 90 days. You also won’t qualify if you’ve received a PNC Bank bonus within the last 24 months.

When you’ll get it: You’ll receive your bonus within 60 to 90 days of completing all the qualifying activities.

Credit inquiry: PNC Bank only does a soft credit inquiry. This won’t hurt your credit score.

Monthly fees: There’s a $25 monthly fee, but PNC Bank gives you several options to waive it.


PNC Bank Virtual Wallet with Performance Spend $200 bonus

What you get: $200 bonus

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How you earn it: You must open a PNC Bank Virtual Wallet with Performance Spend account by Sep. 30, 2021, and have at least $2,000 in qualifying direct deposits within the first 60 days of account opening.

How you qualify: Existing PNC Bank personal checking customers and those who have closed a PNC Bank personal checking account within the last 90 days won’t qualify for this bonus. Anyone who’s received a PNC Bank bonus within the last 24 months also isn’t eligible.

When you’ll get it: You’ll receive your $200 cash bonus within 60 to 90 days of completing all the qualifying activities.

Credit inquiry: PNC Bank only does soft credit inquiries that do not affect your credit score.

Monthly fees: You could pay a $15 monthly fee for this account, unless you meet one or more of the qualifying activities to waive this fee.


PNC Bank Virtual Wallet $50 bonus

What you get: $50 bonus

How you earn it: You must open a PNC Bank Virtual Wallet account by Sep. 30, 2021, and make at least $500 in qualifying direct deposits within the first 60 days of opening your account.

How you qualify: You qualify for this bonus as long as you’re not a current PNC Bank checking account customer, have not closed a PNC Bank checking account within the last 90 days, and have not received a PNC Bank bonus within the last 24 months.

When you’ll get it: It’ll take about 60 to 90 days after completing all qualifying activities to receive your bonus.

Credit inquiry: PNC Bank’s soft credit inquiries won’t affect your credit score.

Monthly fees: This account has a waivable $7 monthly fee.


TD Beyond Checking $300 bonus

What you get: $300 bonus.

How you earn it: Open a new TD Beyond Checking account by Aug. 3, 2021, and have at least $2,500 in direct deposits within 60 days of account opening.

How you qualify: You qualify if you do not have an existing TD Bank personal checking account and have not had one within the last 12 months. Customers who have received any type of TD Bank bonus in the past are also not eligible for this bonus.

When you’ll get it: Contact TD Bank to learn when it will deposit this bonus into your account.

Credit inquiry: TD Bank does a soft credit pull which will not hurt your credit score.

Where to open an account: Like with most bank promos, you must open your TD Beyond Checking account online if you want to earn this bonus.

Monthly fees: You’ll pay $25 per month to own this account unless you have $5,000 in monthly direct deposits, you maintain at least a $2,500 daily minimum balance, or you have at least $25,000 in combined eligible TD accounts.


TD Convenience Checking℠ $150 bonus

What you get: $150 bonus.

How you earn it: Open a new TD Convenience Checking℠ account by Aug. 3, 2021, and receive at least $500 in direct deposits to the account within 60 days of account opening.

How you qualify: Like many bank account bonuses, you qualify if you do not have an existing personal checking account with TD Bank. Customers who have closed a personal checking account within the last 12 months or who have received a previous TD Bank bonus at any time are not eligible for this bonus.

When you’ll get it: Reach out to TD Bank to learn more about when it will deposit your bonus into your account.

Credit inquiry: TD Bank does a soft pull on new applicants’ credit reports, which does not hurt their score.

Where to open an account: Open your TD Convenience Checking℠ account online to take advantage of this bonus.

Monthly fees: You can waive the $15 monthly fee by maintaining a minimum daily balance of $100 or more. The fee is also waived if you’re between the ages of 17 and 23. This is the best bank bonus from TD if you’re just starting out financially.


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