Checking account opening bonusMedium difficulty
Chase
Chase Total Checking®
$400
Open a new account using the offer and receive qualifying direct deposits totaling $1,000 or more within 90 days of offer enrollment.
Fee$15
DeadlineOctober 14, 2026
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20 current public offer records
Compare verified bonus offers
Each record surfaces the advertised reward, core requirement, fees, deadline language, and an official source.
Credit card welcome bonusHard difficulty
Chase
Chase Sapphire Preferred®
75,000 points
Spend $5,000 on eligible purchases in the first three months from account opening.
Fee$95 annual fee
DeadlineThe official page says the offer ends soon but does not publish a calendar deadline. Verify before applying.
Checking and savings direct-deposit bonusHard difficulty
SoFi
SoFi Checking and Savings
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.
Fee$0 monthly maintenance fee
DeadlineDecember 31, 2026
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.
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.
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.
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.
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.
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
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
Tiered business checking account opening bonusHard difficulty
Chase
Chase Business Complete Checking®
Up to $500
Open a new qualifying account, deposit the tier's required new money within 30 days of enrollment, maintain that balance for 60 days from enrollment, and complete five qualifying transactions within 90 days.
Fee$15
DeadlineOctober 15, 2026
Tiered business checking bonus comparisonHard difficulty
Wells Fargo
Wells Fargo $400 vs. $550 vs. $825: Which Tier Delivers the Highest Actual Return?
Up to $825
Open a new eligible Wells Fargo business checking account through the promotion by September 8, 2026, reach the selected balance tier by Day 30, maintain that balance through Day 60, and complete at least five qualifying posted transactions during the 60-day qualification period.
Fee$15 for Initiate Business Checking
DeadlineSeptember 8, 2026
Tiered business checking bonusHard difficulty
PNC
PNC Business Checking Offers
Up to $1,000
Open an eligible new account by September 30, 2026. For $400, maintain a $2,000 average ledger balance in each of the first three statement cycles and complete 10 qualifying transactions across those cycles. For $1,000, maintain a $30,000 average ledger balance in each of the first three statement cycles.
Fee$12 Business Checking; $22 Business Checking Plus; $50 Treasury Enterprise Plan; $25 Analysis Business Checking.
DeadlineSeptember 30, 2026
Tiered business checking bonusHard difficulty
U.S. Bank
U.S. Bank Business Checking
Up to $1,200
Open between July 1 and September 27, 2026 with promo code Q3DIG26 and at least $25. Deposit the tier's new money within 30 days, maintain the required daily balance through day 60, and complete six qualifying transactions by day 60.
Fee$0 for Business Essentials; Platinum fee varies under the current product schedule.
DeadlineSeptember 27, 2026
Checking account opening bonusMedium difficulty
KeyBank
Key Smart Checking®
$300
Open by December 11, 2026 using offer code KDMA0526, fund at least $10, and receive $2,000 or more in eligible direct deposits within 90 days.
Fee$0
DeadlineDecember 11, 2026
Checking account opening bonusHard difficulty
KeyBank
Key Select Checking®
$500
Open by December 11, 2026 using offer code KDMB0526, fund at least $50, and receive $5,000 or more in eligible direct deposits within 90 days.
Fee$25 after the first three months
DeadlineDecember 11, 2026
Tiered business checking bonusHard difficulty
Huntington
Huntington Business Checking Promotion
Up to $1,000
Open by October 14, 2026. For $400, deposit $5,000 in new money within 60 days and keep the account open 90 days. For $1,000, deposit $20,000 within 30 days, then maintain at least $20,000 for 60 days and keep the account open 90 days.
Fee$20 Unlimited Business Checking; $40 Unlimited Plus Business Checking.
DeadlineOctober 14, 2026
Checking account opening bonusEasy difficulty
Huntington
Huntington Perks Checking®
$400
Open by September 30, 2026 using the promotion, receive at least $500 in total qualifying direct deposits within 90 days, and keep the account open for at least 90 days.
Fee$10 unless waived
DeadlineSeptember 30, 2026
Credit card welcome bonusMedium difficulty
U.S. Bank
U.S. Bank Cash+® Visa Signature®
$250 rewards bonus
Make at least $1,000 in eligible net purchases within 90 days from account opening.
Fee$0 annual fee
DeadlineUnknown; the official page calls it a limited-time offer but does not publish a calendar expiration.
Credit card welcome bonusMedium difficulty
Bank of America
Bank of America® Customized Cash Rewards
$200 online cash rewards bonus
Make at least $1,000 in purchases within the first 90 days after account opening through the public online offer.
Fee$0 annual fee
DeadlineUnknown; no calendar expiration is published on the official product page.
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 | 75,000 points | Spend $5,000 on eligible purchases in the first three months from account opening. | $95 annual fee | Hard | August 8, 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 |
| Chase Business Complete Checking®Chase | Up to $500 | Open a new qualifying account, deposit the tier's required new money within 30 days of enrollment, maintain that balance for 60 days from enrollment, and complete five qualifying transactions within 90 days. | $15 | Hard | July 30, 2026 |
| Wells Fargo $400 vs. $550 vs. $825: Which Tier Delivers the Highest Actual Return?Wells Fargo | Up to $825 | Open a new eligible Wells Fargo business checking account through the promotion by September 8, 2026, reach the selected balance tier by Day 30, maintain that balance through Day 60, and complete at least five qualifying posted transactions during the 60-day qualification period. | $15 for Initiate Business Checking | Hard | August 1, 2026 |
| PNC Business Checking OffersPNC | Up to $1,000 | Open an eligible new account by September 30, 2026. For $400, maintain a $2,000 average ledger balance in each of the first three statement cycles and complete 10 qualifying transactions across those cycles. For $1,000, maintain a $30,000 average ledger balance in each of the first three statement cycles. | $12 Business Checking; $22 Business Checking Plus; $50 Treasury Enterprise Plan; $25 Analysis Business Checking. | Hard | August 2, 2026 |
| U.S. Bank Business CheckingU.S. Bank | Up to $1,200 | Open between July 1 and September 27, 2026 with promo code Q3DIG26 and at least $25. Deposit the tier's new money within 30 days, maintain the required daily balance through day 60, and complete six qualifying transactions by day 60. | $0 for Business Essentials; Platinum fee varies under the current product schedule. | Hard | August 2, 2026 |
| Key Smart Checking®KeyBank | $300 | Open by December 11, 2026 using offer code KDMA0526, fund at least $10, and receive $2,000 or more in eligible direct deposits within 90 days. | $0 | Medium | August 2, 2026 |
| Key Select Checking®KeyBank | $500 | Open by December 11, 2026 using offer code KDMB0526, fund at least $50, and receive $5,000 or more in eligible direct deposits within 90 days. | $25 after the first three months | Hard | August 2, 2026 |
| Huntington Business Checking PromotionHuntington | Up to $1,000 | Open by October 14, 2026. For $400, deposit $5,000 in new money within 60 days and keep the account open 90 days. For $1,000, deposit $20,000 within 30 days, then maintain at least $20,000 for 60 days and keep the account open 90 days. | $20 Unlimited Business Checking; $40 Unlimited Plus Business Checking. | Hard | August 2, 2026 |
| Huntington Perks Checking®Huntington | $400 | Open by September 30, 2026 using the promotion, receive at least $500 in total qualifying direct deposits within 90 days, and keep the account open for at least 90 days. | $10 unless waived | Easy | August 11, 2026 |
| U.S. Bank Cash+® Visa Signature®U.S. Bank | $250 rewards bonus | Make at least $1,000 in eligible net purchases within 90 days from account opening. | $0 annual fee | Medium | August 2, 2026 |
| Bank of America® Customized Cash RewardsBank of America | $200 online cash rewards bonus | Make at least $1,000 in purchases within the first 90 days after account opening through the public online offer. | $0 annual fee | Medium | August 2, 2026 |
The verification ledger
Research you can audit.
Every offer record shows when we checked it and where the information came from.
01
Read the official terms
Institution pages and disclosures are the source of record.
02
Separate value from friction
We surface fees, thresholds, deadlines, and important exclusions.
03
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 guideACH transfer≠Guaranteed direct depositAlways verify the offer-specific definition.