Earn up to
$400
FDIC Insured
Bank account bonus offers right now
Top high-yield savings accounts, ranked
Earn up to
$400
FDIC Insured
SoFi Checking and Savings
Up to APY
3.20%
FDIC Insured
Capital One 360 Performance Savings
- Got about 5 minutes? That's all the time it takes to open an account.
- There are no monthly fees to get between you and your money. Zero never sounded so good.
- Save big with one of the nation's top rates. Open a 360 Performance Savings account today.
Up to APY
4.35%
FDIC Insured
CIT Bank Platinum Savings
- Earn up to 4.35% APY1 with a 0.60% APY boost for 6 months using code Boost60
- 4.35% APY on balances of $5,000+; 0.85% APY below $5,000 during the boost
- No monthly service fees
- $100 minimum to open · Member FDIC
Compare cash bonuses, qualifying deposits and fees. Find an offer that fits your paycheck and balance.
Some accounts below offer cash bonuses; others offer ongoing savings rates. Check each provider's current terms. Bonuses are not guaranteed.
Compare more than the headline bonus
The right account matches money you can move, deposits you can qualify with, and terms you can meet.
Bonus & eligibility
Check the cash amount, new-customer restrictions and whether the offer is available in your state.
Qualifying deposits
Compare payroll direct deposit, funding and minimum-balance requirements with money you can comfortably move.
Deadlines & holding period
Review the opening deadline, qualifying window and how long the account must stay open to avoid a clawback.
Fees & net value
Subtract monthly fees and potential taxes. Confirm deposit insurance and the ongoing account terms after the promotion.
Bank account bonus questions, answered
What is the best bank account bonus right now?
The best bonus is one you can qualify for without paying more in fees or tying up money longer than you want. Compare the current offers above, then check the bank's eligibility, qualifying deposits and deadline. Rankings consider features and our assessment, not just the largest bonus.
How do I qualify for a bank account bonus?
Most promotions require a new eligible account plus qualifying activity, such as payroll direct deposits or maintaining a minimum balance for a specified period. A normal transfer may not count as direct deposit. Read the provider's full terms before applying.
Can I get a bonus without direct deposit?
Some banks offer promotions based on funding or balance requirements rather than payroll direct deposit. Availability changes. Tell Earny you cannot switch direct deposit so it can compare suitable current offers without assuming you qualify.
When will the bank pay my bonus?
Payment timing depends on the promotion. You may need to complete qualifying activity within an opening window, maintain a balance, and wait for the bank to verify the requirements. The provider's published terms set the actual payment schedule.
Are bank account bonuses taxable?
Bank bonuses are generally taxable in the US, and a bank may issue a tax form. Your circumstances can differ; consult a tax professional. Compare the bonus after potential taxes and account fees.
Can existing customers get a new-account bonus?
Many promotions exclude existing customers or people who recently held an account or received a bonus. Restrictions vary by bank, product and household. Confirm eligibility before opening an account.
Does opening a bank account hurt my credit?
Many deposit accounts do not require a hard credit inquiry, but screening practices vary. Ask the bank about credit and banking-history checks before applying. A related credit product may have separate requirements.
Is Earny free, and how does PickYourBank earn money?
Earny is free to use. PickYourBank may receive compensation when you click or apply through a partner link, which can influence placement. You can compare the chart without chatting or providing a phone number. Bonus eligibility and payment are determined by the bank.
Disclaimers
The following brand-specific disclosures apply to the bank account bonus offers shown on this page. Click a bank name to view its full disclaimer. Rates, APYs/APRs, bonuses, and terms are provided by the issuing institutions and are subject to change at any time. Always review the bank's official disclosures before applying.
Advertiser Disclosure: PickYourBank may receive compensation when you click through, apply, or open an account with a partner bank. This may influence which offers appear and how they are ranked. Compensation does not determine our editorial ratings. FDIC- or NCUA-insured up to $250,000 where applicable.