We’ve found some of the best bank bonus and promotional offers available right now.
Banks make money in all sorts of ways, but one of the main things they want to do is have a lot of cash on hand — so they can loan it out to others, or meet their own legal liquidity requirements. That’s why they offer you amazing bank bonus offers!
Because banks need giant piles of cash on hand, they need to offer the rest of us incentives to choose their FDIC-insured bank over someone else’s.
Banks compete on their ability to offer personal service to local residents, on the number of their national locations, and on fee levels for basic services like checking and savings. But they also offer cash incentives to use their deposit and checking services! With the economy picking up, and interest rates rising, there seem to be more and more of these on offer.
Here’s our list of the best ones!
Best Checking And Savings Promotions
Check out this quick summary, with more details below. Remember, terms and conditions apply to each offer!
Here’s the list for personal checking and savings accounts:
|
Bank |
Bonus |
Requirements |
Expiration |
|---|---|---|---|
|
Chase Private Client |
$3,000 |
Deposit $150k/$250k/$500k+; maintain for 90 days |
10/15/2025 |
|
Raisin |
$1,000 |
Deposit $10k/$25k/$50k/$100k; maintain for 90 days |
11/30/2025 |
| PNC Virtual Wallet |
$400 |
Direct deposits of $500/$2k/$5k+ within 60 days |
11/17/2025 |
|
BMO Smart Advantage |
$400 |
$4k+ in direct deposits within 90 days* |
1/28/2026 |
|
CIT Bank |
$300 |
Deposit $50k for $300, $25k for $225 |
12/8/2025 |
|
Key Smart Checking |
$300 |
$2k+ direct deposit within 90 days |
12/19/2025 |
|
Barclays Tiered Savings |
$200 |
$30k within 30 days, maintain for 120 days |
12/31/2025 |
|
Live Oak Bank Personal Savings |
$200 |
$20k new deposits, maintain for 60 days |
11/30/2025 |
|
Upgrade Rewards Checking |
$200 |
Open with personal loan; 3 debit transactions within 60 days |
Ongoing |
|
Chase College Checking℠ |
$125 |
New Chase customers complete 10 transactions with 60 days. |
10/15/2025 |
|
Chase High School Checking℠ |
$125 |
New account under 19. |
10/15/2025 |
|
Chase Secure Banking℠ |
$100 |
Open account; $4.95 monthly fee |
10/15/2025 |
If you’re looking for business promotions and offers, check out our full guide to the Best New Business Bank Account Promotions and Offers.
Best Bank Bonus Offers Right Now
If you have a lot of cash that you don’t mind having in the bank for a few months, these are the best promotions out there right now:
Up To $3,000 With Chase Private Client Checking℠
Chase Private Client Checking℠ is the top of the line Chase offering for customers. You get to experience a banking relationship that beings you more, including a team dedicated to you, no ATM fees worldwide, no Chase fees on incoming or outgoing wire transfers, and more.
You can also enhance your relationship with J.P. Morgan Wealth Management and partner 1:1 with a dedicated J.P. Morgan Private Client Advisor who can create a personalized financial strategy and custom investment portfolio. Get a holistic view of your banking and investing, and make seamless transfers between accounts with the Chase Mobile® app. Relationship rates which may make you eligible for a 0.25% auto loan rate discount, and access to events, including cultural and sporting events, family experiences, and financial seminars.
And right now, you can get up to a $3,000 bonus when you open an account with qualifying activities.
You can earn $1,000 when you deposit $150,000, or earn $2,000 when you deposit $250,000, or earn $3,000 when you deposit $500,000 or more.
In order to qualify, within 45 days of coupon enrollment, transfer qualifying new money or securities to a combination of eligible checking, savings and/or J.P. Morgan Wealth Management non-retirement accounts (excludes Chase Personal and Business CDs, Chase business checking and savings accounts, any J.P. Morgan Self-Directed Investing & Automated Investing, J.P. Morgan Personal Advisors Accounts, and J.P. Morgan Wealth Management retirement accounts). Your bonus will be determined on day 45. Maintain your new money for 90 days from coupon enrollment and enjoy your bonus. We’ll add it to your account within 40 days.
Read our full Chase Bank review here.
Learn more about Chase Private Client here.
Get up to a $3,000 bonus!
Up To $1,000 With Raisin
Raisin is currently offering a fantastic tiered bonus for new deposits. Raisin is a platform that connect you with savings accounts, money market accounts, and CDs. Their partners offer some of the highest interest rates available.
Right now, they are offing the following tiered bonus:
- Deposit $10,000: $75 Bonus
- Deposit $25,000: $250 Bonus
- Deposit $50,000: $500 Bonus
- Deposit $100,000: $1,000 Bonus
This bonus is open to all new customers for all products. The first deposit date must be between August 1st, 2025 at 12:00 AM and November 30, 2025 11:59 PM. Customers must input the code `EASY` at the time of sign-up to qualify. Funds must be deposited within 14 days and maintained for 90 days.
Read our full Raisin review here.
Get up to a $1,000 bonus!
Up To $400 With PNC Virtual Wallet
PNC Virtual Wallet has three primary features: Spend (checking), Reserve (earning interest on checking), and Growth (savings). In a nutshell, it’s a checking account with an interest-earning option.
To avoid the $7/month fee in the basic Virtual Wallet checking account, you’ll need to do $500/month in qualifying direct deposits, maintain a $500 balance, or be at least 62 years old.
Virtual Wallet with Performance Spend earns interest on balances of $2,000 or more. It has a $15/month fee, but you can avoid it in several ways — $2,000 in qualifying direct deposits, a $2,000 balance, or $10,000 in combined PNC consumer deposits.
Virtual Wallet with Performance Select also earns interest on balances of $2,000 or more. It has a $25/month fee that is waived by $5,000 in qualifying direct deposits; a $5,000 balance (including up to 7 linked checking accounts); or $25,000 in combined balances or PNC consumer deposits, and/or investments. This account is also eligible for the higher relationship rates.
And right now, they have a promotional offer where you can earn up to $400 when you complete qualifying activities. Offer valid through November 17, 2025. Member FDIC.
Earn $100 with a new PNC Virtual Wallet and you establish total qualifying direct deposits of
$500 or more to the new Virtual Wallet within the first 60 days.
Earn $200 when you establish total qualifying direct deposits of $2,000 or more to the new
Virtual Wallet with Performance Spend within the first 60 days.
Earn $400 when you establish total qualifying direct deposits of $5,000 or more to the new
Virtual Wallet with Performance Select within the first 60 days.
Read our full PNC Bank review here.
Get up to a $400 bonus!
$400 Cash Bonus* with BMO Smart Advantage Checking
The Smart Advantage Checking account is a great basic checking account with $0 monthly fees with paperless statements.
This account also gives you access to 40,000 fee-free ATMs nationwide! And, if you enroll in paperless statements, the $3 monthly fee for check images are waived.
Right now, earn a $400 cash bonus* when you have a cumulative total of $4,000 in qualifying direct deposits within 90 days of account opening between 9/9/25 – 1/28/26. *Conditions apply. Accounts are subject to approval and provided in the U.S. by BMO Bank N.A. Member FDIC
Read our full BMO Bank review here.
Learn more about BMO Smart Advantage account here.
Earn up to a $400 cash bonus!
Up To $300 With CIT Bank Platinum Savings
The CIT Bank Platinum Savings is one of our top accounts because they consistently have one of the highest interest rates offered to consumers. Also, their platform in incredibly easy to use, with the ability to sign up and get started in minutes.
CIT Platinum Savings a two-tiered savings account. Right now you can earn up to 3.85% APY* with a $5,000 minimum balance. Otherwise you’ll earn 0.25% APY. See website for full details.
There is a $100 minimum deposit required to open an account.
Bonus: You can qualify for up to a $300 cash bonus when you open a new CIT Bank Platinum Savings Account and complete qualifying activities. You can early $225 cash with a minimum deposit of $25,000, or $300 cash with a minimum deposit of $50,000. Use promo code PS2025 when opening the account. See CIT Bank for full promotion details.
Read our full CIT Bank review here.
Open an account here >>
Earn a $300 bonus!
$300 with Key Smart Checking®
Key Bank offers the Key Smart Checking® Account. This checking account is a free, non-interest-bearing account that has no minimum balance requirement, offers automatic overdraft protection from a linked KeyBank savings account, paper checks, and more!
They are very mobile friendly, have access to over 40,000+ KeyBank and Allpoint® ATMs nationwide.
Plus, right now they are offering a great bonus offer! You can earn a $300 cash bonus when you open a Key Smart Checking® account online by December 19, 2025 and complete qualified activities.
To qualify, you must do the following:
- Open a Key Smart Checking® account online by December 19, 2025.
- Make the minimum opening deposit of $10, plus a total of $2,000 or more in eligible direct deposits within the first 90 days of account opening.
Your $300 cash bonus will be deposited into your account within 60 days of meeting requirements. Accounts must not be closed at the time of gift payment.
Learn more about Key Smart Checking® here.
Read our full KeyBank review here.
Earn a $300 bonus!
$200 with Barclays Bank
Barclays Bank has a tiered savings account that’s highly comparable to other high yield online savings accounts.
Unlike others on this list, there are no monthly maintenance fees on this account with Barclays. They are about as traditional a bank as you get.
Right now you can earn up to 4.10% APY, with minimum balance requirements.
The tiers are:
|
Balance |
APY |
|---|---|
|
$0 to <$250,000 |
3.90% |
|
$250,000 or more |
4.10% |
Bonus Offer: Right now, Barclays is offering a $200 bonus to new bank customers who open a Tiered Savings account and deposit at least $30,000 within the first 30 days. You’ll need to maintain at least $30,000 for the next 120 days, and the $200 bonus will be added directly to the account. Terms apply.
Read our full Barclay’s Bank review here.
Open an account here >>
Earn a $200 bonus!
$200 With Live Oak Bank Personal Savings
Live Oak Bank is an FDIC-insured bank that is on a mission to be America’s small business bank. They offer a great personal savings account. You can open an account online in minutes, and they are designed to make opening an account simple and easy!
The high yield savings account has a 4.00% APY. Without any balance requirements, you can start building your savings immediately.
And right now, you can get up to a $200 bonus when you open an account and complete qualifying activities.
To earn you $200 bonus for personal savings, you must do the following:
- Open a new account between 10/13/2025 and 11/30/2025
- Deposit at least $20,000 and fully fund by November 30, 2025
- Account must be funded from an external account, one bonus per tax identification number
- Maintain a balance of $20,000 or more for 60 consecutive days
Check out their Personal Savings Account here >>
Earn a $200 bonus!
$200 With Upgrade Rewards Checking
Upgrade Rewards Checking is currently offering a $200 bonus when you open a Rewards Checking account with a personal loan, and make three qualifying debit card transactions within the first 60 days.
The Upgrade Rewards Checking account is one of our top picks for free checking because there are no minimum deposits, no monthly maintenance fees, no ATM fees, and more!
Bonus: Right now, you can earn a $200 bonus if you combine the Rewards Checking account with an Upgrade personal loan and make 3 qualifying debit card transactions.
- Just open an Upgrade Personal Loan and Upgrade Rewards Checking Account
- Fund your account and make three debit card transactions within the first 60 days
- $200 bonus will be credited to your account within 60 days of completing the above requirements
Read our full Upgrade review here.
Earn a $200 bonus!
$125 with Chase College Checking℠
The Chase College Checking℠ account is one of the best checking accounts designed for students. Students have $0 Monthly Service Fee while in school up to the expected graduation date provided at account opening (five years maximum) for students 17-24 years old or $12 Monthly Service Fee ($15, effective 8/24/2025).
And right now, you can get $125 as a new Chase checking customer when you open a Chase College Checking℠ account and complete 10 qualifying transactions within 60 days of coupon enrollment! That’s awesome!
Chase College Checking℠ has $0 Monthly Service Fee while in school up to the expected graduation date provided at account opening (five years maximum) for students 17-24 years old.
This offer is good until 10/15/2025.
Read our full Chase Bank review here.
Earn a $125 bonus!
$125 with Chase High School Checking℠
Chase High School CheckingSM allows teens to open a checking account at a full-service bank. Accounts have to be opened in a branch, but teens with an account can also open a fee-free savings account at Chase. When your teen is under 19 years old, the account allows parents to monitor spending and set up transaction alerts.
When your child turns 19 years old, the account converts to a Chase Total Checking account. By that time, teens should have solid financial habits in place.
To get started, a parent or co-owner of the account must be present at account opening. There is a $0 monthly service fee for this account.
Right now, your teen gets $125 when you open a new Chase High School CheckingSM account together with qualifying activities within 60 days of enrollment.
Read our full Chase Bank review here.
Earn a $125 bonus!
$100 with Chase Secure Banking℠
The Chase Secure Banking℠ is a solid basic checking account option that doesn’t do any type of credit or banking score check. It does have a monthly fee, but if you need a solid banking option, it could be worthwhile.
Chase Secure Banking℠ has a $4.95 per month fee.
Bonus: Right now, you can get up to a $100 bonus when you open an account and complete qualifying activities. That’s awesome!
Read our full Chase Bank review here.
Earn a $100 bonus!
Other Great Savings Accounts
These accounts don’t always have bank bonus offers, but they do have some amazing interest rates!
Check out our lists of:
- Best High Yield Savings Accounts
- Best Money Market Accounts
- Best Free Checking Accounts
- Best Credit Unions
- Best Business Checking Accounts
Things To Remember
Done right, switching banks for bonuses can be a great way to make some extra side cash. But you do need to be careful: look at the terms and conditions and be sure you can avoid monthly fees, account closing fees, and so on. Also, remember that you’ll have to pay income tax on this cash, so you might want to set some of it aside for that.
That said, if you pay careful attention to the terms of these offers, you can make much more than you make even by parking your money in a high-interest savings account. You might want to just do this once for a few hundred dollars, but if you invest a little more time, you can make thousands of dollars a year treating it as a regular side hustle.
And who among us doesn’t like free money?
These offers change every month, but right now here’s the best of the best on offer, divided into offers that require you to begin with large amounts of cash on hand, and offers that let you start with very little money.
Final Thoughts
Overall, there are some great bank bonus offers out there right now. I’d advise you to decide what kind of bonus hustler you are: do you want to do this once while you’re switching to a new account permanently? Or do you need a complex calendar to keep track of your multiple bonus accounts?
Be careful, but also, take advantage of free money if you’re sure you can follow the rules! If this is all too much, check out our list of the best online banks and just park your cash there!
Disclosures
CIT Bank
For complete list of account details and fees, see our Personal Account disclosures.
* Platinum Savings is a tiered interest rate account. Interest is paid on the entire account balance based on the interest rate and APY in effect that day for the balance tier associated with the end-ofday account balance. *APYs — Annual Percentage Yields are accurate as of September 23, 2025: 0.25% APY on balances of $0.01 to $4,999.99; 3.85% APY on balances of $5,000.00 or more. InterestRates for the Platinum Savings account are variable and may change at any time without notice.The minimum to open a Platinum Savings account is $100.
Editor: Clint Proctor
Reviewed by: Richelle Hawley
The post Best Bank Account Bonus Offers In October 2025 appeared first on The College Investor.
