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
Bank bonuses, with the fine print brought forward.
Review direct-deposit definitions, monthly fees, deadlines, and payout timing before deciding whether an offer fits your situation.
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
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
Comparison ledger
| 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 |
| 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 |
| 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 |