Receive a first eligible direct deposit by December 31, 2026. SoFi then totals eligible direct deposits received during the next 25 calendar days: $1,000–$4,999.99 earns $50, while $5,000 or more earns $400.

Fee$0 monthly maintenance fee

DeadlineDecember 31, 2026

Last verified July 25, 2026Review offer

Credit card welcome bonusEasy difficulty

Chase

Chase Freedom Unlimited®

$200 cash back

Make $500 in eligible purchases during the first three months from account opening.

Fee$0 annual fee

DeadlineNo calendar deadline is published on the official product page. Chase says the offer may change.

Last verified July 25, 2026Review offer

Credit card welcome bonusEasy difficulty

Chase

Chase Freedom Flex®

$200 cash back

Make $500 in eligible purchases during the first three months from account opening.

Fee$0 annual fee

DeadlineNo calendar deadline is published on the official product page. Chase says offers can change over time.

Last verified July 25, 2026Review offer

First-year cash-back matchMedium difficulty

Discover

Discover it® Cash Back

Unlimited Cashback Match

Open an eligible new account and earn cash back during the first 365 days. Discover states there is no purchase minimum and no limit to the amount matched.

Fee$0 annual fee

DeadlineNo public calendar deadline; Discover says the promotion may not be available in the future.

Last verified July 25, 2026Review offer

Credit card welcome bonusEasy difficulty

Capital One

Capital One Quicksilver Cash Rewards

$200 cash bonus

Spend $500 on purchases within three months from account opening.

Fee$0 annual fee

DeadlineNo public calendar deadline; terms may change.

Last verified July 25, 2026Review offer

Variable credit card welcome offerMedium difficulty

American Express

Blue Cash Everyday® Card

As high as $200 cash back

If offered, spend $2,000 in eligible purchases within the first six months of Card Membership.

Fee$0 annual fee

DeadlineNo public calendar deadline; applicant-specific offers can change.

Last verified July 25, 2026Review offer

Checking account opening bonusHard difficulty

PNC

PNC Virtual Wallet®

Up to $400

Open through the official offer by August 31, 2026 and receive the required qualifying direct deposits in the Spend account within 60 days.

Fee$5 for eligible base product or $25 for Performance Select, unless waived under product rules

DeadlineAugust 31, 2026

Last verified July 25, 2026Review offer

Tiered checking account opening bonusHard difficulty

Citi

Citibank Regular Checking

Up to $1,500

Open and enroll through the offer by October 26, 2026, deposit new-to-Citibank funds within 45 days, then maintain the required balance for the next 45 days.

FeeMonthly service fee may apply under Citi’s current relationship-tier and deposit rules

DeadlineOctober 26, 2026

Last verified July 25, 2026Review offer

Compare the conditions

The headline is only the first metric.

Fees, timing, funding rules, and completion difficulty can materially change an offer’s practical value.

Offer	Bonus	Primary requirement	Fee	Difficulty	Verified
Chase Total Checking®Chase	$400	Open a new account using the offer and receive qualifying direct deposits totaling $1,000 or more within 90 days of offer enrollment.	$15	Medium	July 24, 2026
Chase Sapphire Preferred®Chase	100,000 points	Spend $5,000 on eligible purchases in the first three months from account opening.	$95 annual fee	Hard	July 24, 2026
SoFi Checking and SavingsSoFi	Up to $400	Receive a first eligible direct deposit by December 31, 2026. SoFi then totals eligible direct deposits received during the next 25 calendar days: $1,000–$4,999.99 earns $50, while $5,000 or more earns $400.	$0 monthly maintenance fee	Hard	July 25, 2026
Chase Freedom Unlimited®Chase	$200 cash back	Make $500 in eligible purchases during the first three months from account opening.	$0 annual fee	Easy	July 25, 2026
Chase Freedom Flex®Chase	$200 cash back	Make $500 in eligible purchases during the first three months from account opening.	$0 annual fee	Easy	July 25, 2026
Discover it® Cash BackDiscover	Unlimited Cashback Match	Open an eligible new account and earn cash back during the first 365 days. Discover states there is no purchase minimum and no limit to the amount matched.	$0 annual fee	Medium	July 25, 2026
Capital One Quicksilver Cash RewardsCapital One	$200 cash bonus	Spend $500 on purchases within three months from account opening.	$0 annual fee	Easy	July 25, 2026
Blue Cash Everyday® CardAmerican Express	As high as $200 cash back	If offered, spend $2,000 in eligible purchases within the first six months of Card Membership.	$0 annual fee	Medium	July 25, 2026
PNC Virtual Wallet®PNC	Up to $400	Open through the official offer by August 31, 2026 and receive the required qualifying direct deposits in the Spend account within 60 days.	$5 for eligible base product or $25 for Performance Select, unless waived under product rules	Hard	July 25, 2026
Citibank Regular CheckingCiti	Up to $1,500	Open and enroll through the offer by October 26, 2026, deposit new-to-Citibank funds within 45 days, then maintain the required balance for the next 45 days.	Monthly service fee may apply under Citi’s current relationship-tier and deposit rules	Hard	July 25, 2026

The verification ledger

Research you can audit.

Every offer record shows when we checked it and where the information came from.

Read the official terms

Institution pages and disclosures are the source of record.

Separate value from friction

We surface fees, thresholds, deadlines, and important exclusions.

Timestamp every review

“Current” always comes with a visible last-verified date.

Practical guide

Does an ACH transfer count as direct deposit?

Sometimes—but not automatically. The offer’s own definition and transaction coding control.

Read the guide

ACH transfer≠Guaranteed direct depositAlways verify the offer-specific definition.