It’s possible to make $100s just by opening up a bank account. But sorting through the best offers can be tricky.
At Money Crashers, we comb through hundreds of deals every month to find you the most lucrative sign-up bonuses – some worth up to $1,000. We also rank the best high-yield checking accounts, cash back credit cards, and more.
Don’t want to miss out? Here are the best bank promotions for the month of November.
Top Bank Account Promotions (November 2018)
1. TD Bank Premier CheckingSM – $300 Cash Bonus
Apply online for a new TD Bank Premier account and you’ll get a $300 cash bonus once you receive direct deposits of more than $2,500 within 60 days. To qualify for this offer, you must be a U.S. resident and apply for the offer online. The Premier checking account typically includes a $25 monthly maintenance fee, but it’s waived if you keep a daily balance of at least $2,500.
This offer is available to residents of the following states: CT, DE, DC, FL, ME, MD, MA, NH, NJ, NY, NC, PA, RI, SC, VT, VA.
2. TD Bank Convenience CheckingSM – $150 Cash Bonus
As an alternative to the TD Bank Premier Checking offer above, you can apply online for a new TD Bank Convenience account, which has a much lower minimum balance requirement. You’ll get a $150 cash bonus once you receive direct deposits of more than $500 within 60 days. To qualify for this offer, you must be a U.S. resident and apply for the offer online. The Premier checking account typically includes a $15 monthly maintenance fee, but it’s waived if you keep a daily balance of at least $100.
This offer is available to residents of the following states: CT, DE, DC, FL, ME, MD, MA, NH, NJ, NY, NC, PA, RI, SC, VT, VA.
3. CIT Bank Premier High Yield Savings Account – 1.55% APY
Although the CIT Bank Premier High Yield Savings Account doesn’t currently offer a sign-up bonus, it gets top marks because of its leading 1.55% interest rate, which is 25 times the national average and by far the highest on this list. There is a $100 minimum opening deposit (must be funded within 30 days of opening) and no fees to open or maintain the account. The bank is FDIC insured and offers daily compounding.
CIT Bank may be the best option for you because the interest you earn on your balance will likely beat out most other cash bonuses, especially over longer periods of time. Let’s do the math. For example, say you have an initial deposit of $20,000 and plan on depositing $2,000 every month for the next 12 months. At an interest rate of 1.55% and daily compounding, you’ll have earned an extra $514.99 after just 1 year. After 5 years using the same numbers, you’ll have earned an extra $6,464.59 in interest. That’s leaps and bounds above other banks with bigger bonuses but a paltry interest rate close to 0.01%.
This offer is available to all U.S. residents in any state.
4. Chase College Checking – $100 Bonus
There’s a separate checking account offer just for college students. Open a new Chase College Checking account within an initial deposit of at least $25, enroll in paperless statements, and then complete at least 10 qualifying transactions within 60 days of opening the account. You’ll then be eligible to earn the $100 bonus within 10 business days.
To receive this bonus, you’ll need to enter your email here and take the coupon to a local Chase branch. Chase has ATMs and branches in the following states: AZ, CA, CO, CT, DE, FL, GA, HI, ID, IL, IN, KY, LA, MA, MI, NV, NJ, NY, OH, OK, OR, TX, UT, WA, WV, WI. This offer expires on January 17, 2019.
5. Capital One 360 – Up to $150 Cash Bonus
This offer is made up of 3 components, which you can perform separately or as a combination.
- Open a new Capital One 360 Checking account with at least $250 and make at least 3 debit card purchases or Person2Person payments (can be any combination of the two) within 45 days of account opening. Your $25 bonus will then be deposited into your account on day 50.
- Open a new Capital One 360 Money Market account . If you deposit $250 to $9,999.99, you’ll get a $25 bonus. If you deposit $10,000 or more, you’ll get a $100 bonus, which will automatically be deposited into your account.
- Open a new Capital One 360 Saving account with an initial deposit of at least $250. Your $25 bonus will then automatically be deposited into your account.
The total cash bonus amount is up to $150, depending on which accounts you open and how much you deposit for the Money Market account.
6. PNC Bank – $300 Cash Bonus
Open a new PNC Bank Virtual Wallet account before December 31, 2018. Then set up a qualifying direct deposit and complete 10 or more debit card purchases. The bonus should be paid within 90 days of meeting the requirements.
This offer applies to residents of the following states: AL, DC, DE, FL, GA, IL, IN, KY, MD, MI, MO, NC, NJ, NY, OH, PA, SC, VA, WI & WV.
7. Capital One 360 Money Market – Up to $500 Cash Bonus
Capital One 360 has another great promotion that pays a $500 cash bonus. To qualify, open a Capital One 360 money market account using the promo code “OFFER500,” then deposit at least $50,000 in cumulative deposits. You’ll receive your bonus within 60 days of reaching the $50,000 deposit threshold.
Moving forward, you’ll earn 1.85% APY on all balances above $10,000 and 0.85% APY on all balances below $10,000. There’s no monthly maintenance fee or minimum balance requirement. This offer is not available to anyone who’s had a Capital One 360 savings product (including a money market account) since January 1, 2016.
8. Suntrust Bank – Up to $300 Cash Bonus
There are several different checking account bonus opportunities with Suntrust Bank. Open a new Suntrust Select Checking account and meet the requirements to receive $150. Open a new Signature Advantage Account and meet the requirements to receive $300. The requirements are: Deposit $100 or more within 14 days of opening the account and complete $1,000 (for Select Checking) or $2,000 (for Signature Advantage) in qualifying direct deposits within 60 days of account opening. You must also make 10 or more debit card purchases within the same time frame. Use promo code Q417CHKNG123OL. This offer expires January 2, 2018.
This offer applies to residents of the following states: AL, AR, FL, GA, MD, MS, NC, SC, TN, VA, DC & WV.
9. Discover Cashback Checking – Up to $360 Annual Cash Back
When you open a new Cashback Checking account and spend with your debit card, you can earn as much as $360 each year. Just open and fund the account in any amount, then use your debit card to make everyday purchases. You earn 1% cash back on up to $3,000 in qualifying purchases per month, or up to $36,000 in qualifying purchases per year. Cash-like payments, such as ATM withdrawals and P2P payments, do not qualify for cash back.
For more details on other account types and offers from Discover Bank, check out our Discover Bank review.
10. HSBC Advance Checking – $350 Cash Back
Open a new HSBC Advance Checking account and deposit at least $10,000 in new money by December 28, 2018, and earn a $350 welcome bonus.
Here’s how to do it. First, open your account and deposit at least $10,000 in outside funds (new money) in combined checking and savings accounts within 30 days of your account opening date. Maintain a daily balance of at least $10,000 in the accounts for 90 calendar days from the deposit date. You’ll receive your bonus within 8 weeks after completing the qualifying activities. Moving forward, you can avoid the $25 monthly maintenance fee by either a) maintaining that $10,000 daily balance indefinitely, or b) maintaining a $5,000 daily balance and a recurring direct deposit into the account.
11. HSBC Choice Checking – $200 Cash Back
HSBC has an even more accessible checking bonus. For a limited time, you can earn a welcome bonus of $200 when you open a new HSBC Choice Checking account and deposit $1,500 in new money.
To earn the bonus, open your new Choice Checking account by December 28, 2018, and deposit at least $1,500 in new money in combined checking and savings accounts within 30 days. Then, maintain at least $1,500 in the combined accounts for 90 days from your deposit date. Once you clear that threshold, you should receive your bonus within 8 weeks. Moving forward, avoid the $15 monthly maintenance fee by maintaining at least $1,500 in combined personal and investment balances.
12. HSBC Premier Checking – $750 Cash Back
HSBC’s third checking bonus is its most generous – and its most exclusive. For a limited time, you can snag a $750 welcome bonus when you open a new HSBC Premier Checking account before December 28, 2018, and complete certain qualifying activities.
To earn the bonus, open your new Premier Checking account before December 28, 2018, and deposit at least $100,000 in new money in combined checking, savings, and eligible investment accounts within 30 calendar days. Then, maintain that balance across the accounts for 90 calendar days from the deposit date. Once you reach the 90-day threshold, expect to see your $750 bonus in your Premier Checking account within 8 weeks. Moving forward, avoid the $50 monthly maintenance fee by maintaining that same $100,000 balance across your combined personal and investment accounts.
13. KeyBank Checking – $300 Cash Bonus
Through December 28, 2018, you’ll earn a $300 cash bonus when you open a qualifying KeyBank checking account: Key Advantage Checking, Key Privilege Checking, Key Privilege Select Checking, or Key Express Checking. You can open up to 3 accounts at once. However, you’ll only qualify for a single $300 bonus, no matter how many accounts you open.
To earn the bonus, simply enter promo code “EDGT0718” on your account application or request a unique code via email. Once your account is open, make a single direct deposit of $500 or more within 60 days of the opening date. You should receive the bonus within 90 days.
This offer is only available in the following states and regions: AK, central NY state, Cincinnati (OH), Columbus (OH), Dayton (OH), Hudson Valley (NY), ID, central and northern IN, ME, MI, northern northwest OH, OR, Philadelphia (PA), UT, VT.
14. BMO Harris – Up to $250 Cash Bonus
If you’re a Bank At Work or Group Banking Services customer at BMO Harris, you can earn as much as $250. When you open a new personal checking account and meet the direct deposit requirements, you’ll receive $100. You get an additional $50 by opening a new Statement Savings Account with at least $1,000 of new money. Another $50 comes your way when open a new BMO Harris Health Savings Account. And you can add $50 by signing up for eStatements.
You should receive your bonuses between 90 and 120 days of either account opening or meeting the requirements.
15. Chase Checking – Up to $600 Cash Bonus
Open a new Chase Total Checking® account or Chase Savings account online by November 13, 2018, to earn up to $600 in bonus cash. This bonus has 2 components:
- Open your Chase Total Checking® account, deposit at least $25 to start, and receive at least one direct deposit within 60 days of account opening to receive a $300 cash bonus.
- Open your Chase Total Checking® account and a Chase Savings account, deposit at least $15,000 in new money within 20 business days, and maintain that $15,000 balance for at least 90 days to receive a $200 cash bonus.
If you open both a Chase Total Checking® account and a Chase Savings account and complete the bonus requirements for both, you’ll receive both bonuses and a further $100 bonus cash, for a total bonus of $600. Once you complete the requirements, the bonus(es) will be deposited into your account(s) within 10 business days.
To avoid the monthly maintenance fee on your Chase Total Checking account, you must maintain a minimum daily balance of at least $1,500 in the account (or $5,000 across any combination of eligible Chase accounts) or execute direct deposits totaling at least $500 each month. To avoid the monthly maintenance fee on your Chase Savings account, you must link an eligible Chase Checking account, maintain a minimum daily balance of $300, or execute at least one recurring transfer of at least $25.
16. Elements Financial – $200 Cash Bonus
Open a new Elements Financial High Interest Checking account to qualify for a $200 cash bonus. Just enter promo code CHECK200 on your application, set up a recurring monthly direct deposit of $500 or more within 60 days of account opening, and keep your account open for at least 6 months. Existing Elements Financial checking and Health Savings Account customers are not eligible for this promotion. This offer is advertised for Indiana state government employees in their families, but non-employees may qualify as well.
In addition to this promotion, you’ll also get one of the best checking yields around: 2.00% APY on balances up to $20,000 in any statement cycle during which you maintain a $100 minimum daily balance and make 15 qualifying transactions.
17. TIAA Bank – $150 Cash Bonus
Open and fund a TIAA Bank Yield Pledge Checking account with the required minimum deposit ($5,000 in new money) by November 30, 2018. Then, make direct deposits totaling at least $1,000 within 90 days of your account opening date. You’ll receive your $150 cash bonus in your account within 120 days of your account opening date, provided your account has remained in good standing in the interim.
In addition to the $150 cash bonus, you’ll enjoy a first-year yield of 1.21% APY on all balances in your Yield Pledge Checking account up to $250,000. After the first year, the yield varies with prevailing interest rates. This offer isn’t available to current TIAA Bank customers, nor those who previously banked with EverBank, which merged with TIAA Bank in 2017.
18. Salem Five – Your Choice of Free 12-Month Subscription
Open a new Salem Five Star Checking account using the promo code ‘ON US ‘ and a complimentary 12-month subscription to your choice of one of the following: Netflix, Spotify, Birchbox, Harry’s, or Graze. All you have to do to qualify for your free subscription is open your account and execute at least $1,500 in qualifying direct deposits within 60 days of your account opening date. Once you clear the $1,500 mark, you’ll begin earning monthly statement credits against the highest qualifying subscription transaction, up to $14.95 per month. These credits will continue for 12 consecutive months or until you cancel all qualifying subscriptions.
This promotion is available to customers nationwide, subject to a $10 minimum opening deposit in-branch and a $100 minimum opening deposit online. To avoid the $15 monthly maintenance fee, you can do one of the following: set up a qualifying payroll direct deposit, maintain a $1,500 minimum daily balance in the account, maintain a $5,000 minimum daily balance across combined deposit and loan balances, or set up autopay on a qualifying Salem Five mortgage loan.
Also of note: like depositors at all Massachusetts-chartered banks, Salem Five customers enjoy supplemental deposit insurance protection through the Massachusetts Deposit Insurance Fund (DIF), which covers balances above the $250,000 FDIC insurance limit. For more details about high-yield deposit accounts and special offers from Salem Five Direct, Salem Five’s online banking arm, check out our Salem Five Direct review.
19. Discover Savings – $200 Bonus
Discover Bank has an attractive cash bonus offer for customers with enough cash to meet the hefty opening deposit requirement. To qualify, use the promo code “NPBE918” to open your first Discover online savings account by December 3, 2018. Then, deposit at least $25,000 in new money by December 17, 2018. You’ll receive the $200 bonus by December 31, 2018.
This offer is not available to anyone who’s previously had a Discover savings account. Your account must be open on the date you receive the bonus (at least through December 31, 2018).
20. Discover Savings – $150 Bonus
Discover Bank has another savings offer that’s slightly easier to attain. Use the promo code “NPBE918” to open your first Discover online savings account by December 3, 2018. Then, deposit at least $15,000 in new money by December 17, 2018. You’ll receive the $150 bonus by December 31, 2018.
This offer can’t be combined with the $200 bonus offer and isn’t available to previous Discover savings account customers. Your account must be open through December 31, 2018, to receive the bonus.
21. Unity Financial Credit Union – $100 Bonus
Open a FREE Checking or eChecking account with Unity Financial Credit Union and add at least one recurring monthly direct deposit of $500 or more within 90 days of opening your account. You’ll receive $100 cash by the end of the third statement cycle after your account opening date. This offer expires March 19, 2019.
Both accounts require a $25 minimum opening deposit, and applicants must be Unity Financial Credit Union members. Membership requirements vary by location, by any U.S. individual can become a Unity member when they join the Surfrider Foundation at no charge.
22. Bank of America – $100 Bonus
Open a Bank of America Core Checking® or Interest Checking® account by December 31, 2018 and receive at least 2 qualifying direct deposits of $250 or more within the first 90 days to earn a $100 cash bonus. You must use the link above to open your account.
Once you complete the qualifying direct deposits, you’ll receive the bonus within 90 days. This offer is only available to new Bank of America checking customers who have not had a Bank of America personal checking account within the past 6 months. There is a $25 minimum deposit to open a Core Checking® account and a $100 minimum deposit to open an Interest Checking® account.
23. U.S. Bank – Up to $100 Bonus
Open a new Silver Checking Package Account at U.S. Bank along with a Package Money Market Savings Account, then enroll in START Smart within 90 days. You must also make at least one qualifying transfer (through START Smart) from your checking account to your money market account. Once you have an account balance of $500 in your money market account, you’ll become eligible for a $50 bonus.
You’ll also receive 1% cash back on grocery and gas transactions on your debit card (up to $50) during the first year of enrollment. The accounts must remain open for at least one year, and your bonus or cash back will be paid out after that date. There’s a $25 minimum opening deposit required for both accounts.
24. Regions Bank – Up to $100 Cash Bonus
Open a new checking account at Regions Bank, either online or at a branch. Then open a Regions LifeGreen Savings Account with an opening deposit of $50 or more. Then, set up a recurring monthly transfer of $10 or more from your Regions checking account to your LifeGreen Savings Account and complete at least 12 monthly transfers. Every year, you’ll receive a 1% savings bonus on your account anniversary date, based on your account’s average monthly balance for the preceding 12 months, up to the max savings bonus of $100. Your bonus should be deposited into your account on the business day following your anniversary date.
25. Charles Schwab – $100 Cash Bonus
Open a new qualifying Charles Schwab account, with no minimum deposit, and the $100 bonus will be placed into your account, usually within 30 days. Monthly fees may apply. You can also open the account via telephone by calling 1-800-398-8640 and mentioning the promo code REFER.
27. Citizens Bank – $1,000 Bonus for College Savings
Citizens Bank is currently offering a $1,000 bonus for those who sign up for a CollegeSaver savings account, an easy, manageable savings plan that will help your meet your college savings needs. It is an interest bearing account, and if you open it before your child’s 12th birthday and save the monthly minimum amount every year, you’ll receive a $1,000 bonus when your child turns 18. Opening an account before your child turns 12 will only increase the savings.
28. BankDirect – AAdvantage Miles
Open a BankDirect Mileage Checking Account and earn American Airlines AAdvantage miles. You’ll receive 1,000 miles just for opening an account, 10,000 miles for initiating direct deposit, 5,000 miles for using BankDirect’s bill pay service for 1 year, 5,000 miles when you use your BankDirect Visa CheckCard (debit card) to make at least 12 transactions totaling $500 or more each month for 6 consecutive statement cycles, and 1,000 miles for referring a friend.
There are other ways to earn miles as well, and some restrictions apply. Be sure to investigate the offer thoroughly for full program details. You can read our BankDirect review for more details about this and other offers, too.
When choosing a bank, it’s important to find one that suits your needs – whether that’s favorable interest-bearing accounts, no fees, or online banking features. It’s also a big bonus when you can get great perks along with good banking. Be on the lookout for and take advantage of cash and giveaways, and your banking experience will be all the more pleasurable.
Which bank promotions will you be taking advantage of this month?
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