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39 Best New Bank Account Promotions & Offers – December 2019

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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 December.

Top Bank Account Promotions (December 2019)


1. TD Bank Beyond Checking℠ – $300 Cash Bonus

td bankApply online for a new TD Bank Beyond Checking 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 Beyond checking account typically includes a $25 monthly maintenance fee, but it’s waived with monthly direct deposits of $5,000 or more, a minimum daily balance of $2,500, or a combined balance of $25,000 across your eligible TD accounts.

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.

Apply Now


2. TD Bank Convenience Checking℠ – $150 Cash Bonus

td bankAs an alternative to the TD Bank Beyond Checking offer above, you can apply online for a new TD Bank Convenience CheckingSM 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 Convenience Checking account typically includes a $15 monthly maintenance fee, but it’s waived if you keep a low minimum daily balance of at least $100. Students and young adults ages 17 through 23 qualify for additional perks, such as no monthly maintenance fee and no minimum balance requirements.

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.

Apply Now


3. CIT Bank Savings Builder – Up to $300 Cash Bonus

Cit Bank LogoFor a limited time, CIT Bank is offering up to $300 in bonus cash to new and existing CIT Bank customers who open a new Savings Builder account. Choose one of two distinct offers:

$150 Bonus

If you’re a new CIT Bank customer, open a new Savings Builder account with a minimum of $100 using the promo code “Bonus19”. Deposit $25,000 to $49,999 in new money within 15 calendar days of the account opening date (the funding period). Then, maintain the required minimum balance for 90 calendar days from the end of the funding period (the review period).

If you’re an existing CIT Bank customer, use the link on the landing page below to enroll in the promotion, then deposit $25,000 to $49,999 in new money within 15 calendar days. The review period for existing customers lasts only 30 calendar days.

In either case, you’ll receive the bonus within 1 to 5 calendar days of the end of the funding period, but the bonus funds will remain on hold until 7 days after the end of the review period.

Apply Now

$300 Bonus

If you’re new to CIT Bank, open your Savings Builder account with a minimum of $100 using the promo code “Bonus19”. Deposit $50,000 or more in new money within 15 calendar days of the account opening date and maintain that balance for 90 calendar days from the end of the funding period.

If you already bank with CIT Bank, use the link below to enroll and follow the same procedure. Your review period will last only 30 calendar days.

In either case, expect the bonus within 1 to 5 calendar days of the end of the funding period, subject to a hold lasting 7 days after the end of the review period.

In either case, the Savings Builder account earns 1.17% APY on balances below $25,000 and 1.85% APY when you execute a monthly deposit of $100 or more or maintain a balance greater than $25,000.

Apply Now


4. Chase SapphireSM Checking – $1,000 Bonus

chase bank logo

Open or upgrade to a Chase SapphireSM Checking account online or with a Chase banker and complete the required qualifying activities to earn a $1,000 bonus.

Here’s how to qualify. Within 45 calendar days of opening or upgrading your account, transfer a minimum of $75,000 in qualifying new money or securities to any combination of eligible checking, savings, and/or investment accounts, excluding J.P. Morgan retirement accounts and CDs. Then, maintain that balance for at least 90 days. Once you complete these qualifying activities, you should receive your bonus in your account within 10 business days.

This offer expires on January 17, 2020. To avoid the $25 monthly maintenance fee, maintain an average beginning day balance of $75,000 in your account.

Apply Now


5. Chase Premier Plus CheckingSM – $300 Bonus

chase bank logoTo qualify for this bonus, open a new Chase Premier Plus CheckingSM account and have a direct deposit (electronic transfer for paychecks, pensions, or government benefits) made to the account within 60 days. (You can either apply online using the link above or enter your email on the linked page to receive the coupon to take to your local Chase branch.) Once you take these steps, you should receive the bonus in your account within 10 business days.

Keep in mind that the Premier Plus account has a monthly service fee of $25. However, the fee is waived if you keep an average daily balance of at least $15,000 between all of your Chase accounts (checking, savings, and other balances) or you set up automatic payments to your qualifying Chase mortgage. There’s no minimum required opening deposit. All balances yield 0.01% as of September 13, 2019. Interest rates are variable and subject to change.

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 is available nationwide, except for residents of AK, HI, and PR.

Apply Now


6. Chase Total Checking® – $200 Bonus

chase bank logoThere is a separate bonus offer of $200 for Chase Total Checking®, which is a step down from the Chase Premier Plus Checking account mentioned above. Open a new Chase Total Checking® account and make a qualifying direct deposit within 60 days. You’ll then receive a $200 bonus within 10 business days.

There is a $12 monthly fee, but it’s waived if you meet at least one of the following criteria in each monthly statement period:

  • Execute direct deposits totaling $500 or more made to the account
  • Maintain a $1,500 minimum daily balance
  • Maintain an average daily balance of $5,000 or more in qualifying linked deposits or investments
  • Pay at least $25 or more in qualifying checking-related services or fees

To receive this bonus, you can either apply online using the link above or 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 is available online nationwide, except for residents of AK, HI, and PR.

Apply Now


7. Chase SavingsSM – $150 Bonus

chase bank logoYou can earn an additional bonus of $150 with a Chase savings account. Open a new Chase SavingsSM account, deposit at least $10,000 within 20 business days, and maintain a $10,000 balance or more for 90 days from when you made the deposit. You’ll then receive a $150 bonus within 10 business days.

You can avoid the $5 monthly maintenance fee on this account by doing one of the following each monthly statement period:

  • Maintaining a minimum daily balance of at least $300
  • Executing at least one repeating automatic transfer of $25 or more from your personal Chase checking account or Chase Liquid® Card
  • Having at least one account owner who is an individual younger than 18
  • Linking the account to an eligible Chase Premier Plus Checking, Chase Sapphire Checking, or Chase Private Client Checking account

To receive this bonus, you can either apply online using the link above or 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 is available online nationwide, except for residents of AK, HI, and PR.

Apply Now


8. Chase Total Business Checking – $200 Bonus

chase bank logoIf you’re a business owner looking to set up a new account, Chase has you covered as well. Open a new Chase Total Business Checking account with a deposit of at least $1,000 within 20 business days. Then, maintain that balance for 60 days and complete at least five qualifying transactions within the same period (debit card purchases, checks paid, and qualifying deposits). You’ll then receive the $200 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 23, 2020.

Apply Now


9. Chase College Checking – $100 Bonus

chase bank logoThere’s a separate checking account offer just for college students. Open a new Chase College Checking account, 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. There’s no minimum deposit required to open the account.

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 11, 2020.

Apply Now


10. Capital One 360 – Up to $150 Cash Bonus

capital one 360This 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 three 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.

Apply Now


11. Wells Fargo Everyday Checking – $400 Cash Bonus

wells fargo logoOpen a new Wells Fargo Everyday Checking account online or in-branch by December 31, 2019 to qualify for a cash bonus of $400. Here’s how to do it:

  • First, check that the offer is available in your area using the ZIP code finder on the promotions page.
  • Then, open a new Wells Fargo Everyday Checking account online or in-branch and make the minimum required opening deposit of $25.
  • Next, within 150 days of account opening, receive cumulative direct deposits totaling $3,000 or more each month for three consecutive months

Once you meet at least one of these requirements, you’ll receive a $400 cash bonus in your account within 45 days. Your account must remain open to receive the bonus.

Note that qualifying direct deposits include salary, pension, Social Security, and other qualifying income. Direct deposits must be electronically deposited via ACH. Your account must have a balance of at least $1 during the entire qualification period.

You can avoid the Everyday Checking account’s $10 monthly maintenance fee by doing any of the following:

  • Maintaining a minimum daily balance of $1,500
  • Completing 10 or more debit card transactions per month
  • Executing direct deposits totaling $500 or more per month

If you currently have an open Wells Fargo consumer checking account or have earned any other Wells Fargo checking account bonus within the past 12 months, you’re not eligible for this offer.

Apply Now


12. PNC Bank – Up to $300 Cash Bonus

pnc bank logoPNC is offering two separate bonus opportunities, worth up to $300, when you open a new PNC Bank Virtual Wallet account:

  • To earn the $200 cash bonus, open a new Virtual Wallet with Performance Spend and arrange total qualifying direct deposits of at least $2,000 to your account. Then, make at least 10 debit card purchases with the debit card tied to your account. You’ll receive the $200 bonus in your account within 90 days of meeting all conditions.
  • To earn the $300 cash bonus, open a new Virtual Wallet with Performance Select and arrange total qualifying direct deposits of at least $5,000 to your account. Then, complete at least 10 debit card purchases with the debit card linked to your new account. The bonus should be paid within 90 days of meeting the requirements.

These cash bonus offers expire on December 31, 2019.

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.

Apply Now


13. HSBC Premier Checking – $750 Cash Bonus

hsbcFor a limited time, you can snag a $750 welcome bonus when you open a new HSBC Premier Checking account and complete certain qualifying activities.

To earn the bonus, open your new Premier Checking account by December 31, 2019 and set up recurring monthly third-party direct deposits totaling at least $5,000 to your HSBC Premier checking account(s) per calendar month. You’ll also need to receive recurring third-party direct deposits totaling at least $5,000 per month for three consecutive months, beginning with your account opening month. Once you complete these qualifying activities, expect to see your $750 bonus in your Premier Checking account within eight weeks.

Moving forward, avoid the $50 monthly maintenance fee by maintaining the same direct deposit size and frequency or maintaining a combined minimum balance of $75,000 across all eligible personal and investment accounts.

Apply Now


14. HSBC Advance Checking – $350 Cash Bonus

hsbcOpen a new HSBC Advance Checking account and deposit at least $5,000 in new money to earn a $350 welcome bonus.

Here’s how to do it. First, open your account by December 31, 2019, 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. Then, set up at least one recurring monthly direct deposit from a qualifying third-party payee for at least three consecutive months while maintaining a daily balance of at least $5,000 in the accounts for 90 calendar days from the deposit date. You’ll receive your bonus within eight weeks after completing the qualifying activities.

Moving forward, you can avoid the $25 monthly maintenance fee by maintaining a $5,000 daily balance and a recurring direct deposit into the account.

Apply Now


15. Huntington Bank Unlimited Plus Business Checking – $750 Bonus Cash

When you open a new Unlimited Plus Business Checking account with Huntington Bank and complete the required qualifying activities, you’ll earn $750 bonus cash.

To earn the bonus, open your account by December 31, 2019, and deposit at least $20,000 in new money within 60 days of the account opening date. You should receive the $750 bonus in your account after it has been open for 90 days.

Moving forward, Huntington Bank will waive the account’s $40 monthly maintenance fee when you keep at least $50,000 in combined balances across all eligible Huntington Bank deposit and investment accounts. You’ll pay no fees on the first $25,000 in-branch and ATM cash or currency deposits per month, then $0.30 per $100.

This offer is available to applicants in IL, IN, KY, MI, OH, PA, and WV.

Apply Now


16. Citibank Account Package – Up to $500 Cash Bonus

When you open a new eligible checking and savings account in the Citibank Account Package by December 31, 2019, you could qualify for a cash bonus up to $500. Here’s how to earn the bonus:

  • Within 30 days of opening your account, deposit at least $15,000 in new money (funds not previously held with Citibank or its affiliates) into your account.
  • Maintain a $15,000 minimum balance for at least 60 consecutive calendar days to qualify for a $400 cash bonus. You’ll receive this bonus within 90 days of completing all required activities if you do nothing more.
  • To earn an additional $100 bonus (for a total cash bonus of $500), arrange and complete at least one qualifying direct deposit per month for two consecutive months within 60 days of account opening.

You’ll receive your cumulative bonus within 90 days of completing all required activities.

The $25 monthly maintenance fee is waived when you maintain a minimum daily balance (average) of at least $10,000. This offer is available to new Citibank account holders only.

Apply Now


17. Citibank Priority Account Package – $700 Cash Bonus

Citibank has another generous account opening offer for new customers, though it requires a hefty initial deposit.

When you open a new eligible checking and savings account in the Citibank Priority Account Package by December 31, 2019, you could qualify for a cash bonus of $700. Here’s how to earn the bonus:

  • Within 30 days of opening your account, deposit at least $50,000 in new money (funds not previously held with Citibank or its affiliates) into your checking and savings accounts (cumulative).
  • Maintain a cumulative $50,000 minimum balance in your checking and savings accounts for at least 60 consecutive calendar days.
  • You’ll receive the bonus within 90 days of completing all required activities.

The $30 monthly maintenance fee is waived when you maintain a minimum daily balance (average) of at least $50,000. This offer is available to new Citibank account holders only.

Apply Now


18. Huntington Bank Unlimited Business Checking – $400 Cash Bonus

Huntington Bank has another great business bank account bonus. This one is a bit more attainable. When you open an Unlimited Business Checking account by December 31, 2019 and deposit at least $5,000 in new money within 60 days of your account opening date, you’ll receive $400 bonus cash after your account has been open for 90 days.

Keep at least $10,000 in combined balances across eligible Huntington Bank deposit and investment accounts to avoid the $20 monthly maintenance fee. Pay nothing on the first $10,000 of in-branch and ATM cash or currency deposits per month, then $0.30 per $100.

This offer is available to applicants in IL, IN, KY, MI, OH, PA, and WV only.

Apply Now


19. SunTrust Bank Advantage Checking – $300 Cash Bonus

suntrustNew customers can take “advantage” of a $300 cash bonus opportunity when they open a new Suntrust Advantage Checking account and complete the qualifying activities.

Here’s how to earn the bonus. First, open a new SunTrust Advantage Checking account by January 2, 2020, with a minimum opening deposit of $100, using the offer code “Q419ADVCHKOL.” Then, complete at least $3,000 in cumulative direct deposits each statement cycle for two consecutive statement cycles within the first three full monthly statement cycles. Qualifying direct deposits include wage or salary, pension, Social Security, or other regular monthly income.

Once you complete the offer requirements, you’ll receive your $300 bonus within eight weeks.

This offer applies to new SunTrust checking customers (defined as customers without existing accounts or accounts closed within the past 180 days) living in states in which SunTrust Bank has a physical presence, including AL, AR, FL, GA, MD, MS, NC, SC, TN, VA, DC & WV. Check SunTrust Bank’s website for availability in your area.

Apply Now


20. U.S. Bank – $300 Cash Bonus

U.S. Bank’s limited-time checking account bonus promises $300 cash when you open an eligible U.S. Bank consumer checking account and complete qualifying activities.

Here’s how it works. First, open a Platinum Checking Package, Gold Checking Package, or Easy Checking account with a minimum deposit of $25 by December 8, 2019 and enroll in U.S. Bank online banking or the U.S. Bank mobile app by December 13, 2019. Then, complete at least two direct deposits totaling $2,000 or more within 60 days of opening the account. You’ll receive the $300 bonus within 60 days of verification of your direct deposit and online banking or app enrollment.

All three eligible accounts have monthly maintenance fees that can be waived with qualifying activities or U.S. Bank relationship status. This offer is only available to customers in states where U.S. Bank has physical branches.

Apply Now


21. BMO Harris – Up to $250 Cash Bonus

bmo harris bankIf 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.

Apply Now


22. Huntington Bank Business Checking 100 – $200 Cash Bonus

Huntington Bank’s third business bank account bonus is the easiest of all on your wallet. Open a Business Checking 100 account by December 31, 2019, and deposit at least $2,000 in new money within 60 days of your account opening date to receive $200 bonus cash after your account has been open for 90 days.

The Business Checking 100 account has no monthly maintenance fee or minimum balance requirement after opening, though you’ll need to maintain your $2,000 initial balance until you receive the bonus. Moving forward, you’ll pay no fees on the first $5,000 of in-branch and ATM cash or currency deposits per month, then just $0.30 per $100.

This offer is available to applicants in IL, IN, KY, MI, OH, PA, and WV only.

Apply Now


23. BBVA Premium Checking – $200 Bonus

Open a BBVA Premium Checking account and add direct deposit to earn a $200 cash bonus. Here’s how it works:

  • Open a new BBVA Premium Checking account by December 31, 2019.
  • Receive at least one qualifying direct deposit totaling $4,000 or more (cumulative of all deposits) within 60 days of your account opening date.
  • You’ll receive the $200 bonus within 90 days of completing the qualifying activities.

Plus, for a limited time, any BBVA Premium Checking balances earn 1.00% APY. There’s a minimum account opening deposit of $25, and a $19 monthly service charge applies in any statement cycle that you fail to meet the following criteria:

  • Receive qualifying monthly direct deposit of $4,000 or more per month, OR
  • Maintain an average daily collected balance of $4,000 or more.

This offer is only available in certain states. See terms and conditions for more details.

Apply Now


24. 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 six 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.

Apply Now


25. Citibank Basic Banking Package – $200 Cash Bonus

Citibank’s third new account promotion is its most modest. When you open a new eligible checking account in the Basic Banking Package by December 31, 2019, you could qualify for a $200 cash bonus. Here’s how:

  • Within 30 days of opening your account, deposit at least $5,000 in new money into your account.
  • Maintain a $5,000 minimum balance for at least 60 consecutive calendar days.
  • You’ll receive the $200 bonus within 90 days of completing all required activities.

The $12 monthly maintenance fee is waived when you either:

  • Receive at least one qualifying direct deposit per statement period and make at least one qualifying bill payment per statement period, or
  • Maintain at least $1,500 in combined average monthly balances in eligible linked accounts.

This offer is available to new Citibank account holders only.

Apply Now


26. Xceed Financial Credit Union – Up to $200 Referral Bonus

When you refer an eligible new customer to Xceed Financial Credit Union, you and the referred customer may be eligible to receive up to $200 each.

New Member Eligibility

Although Xceed Financial Credit Union’s branch coverage is limited to a handful of states, including New York and California, it’s easy for new members to join. You’re eligible to join if:

  • You belong to any of Xceed’s nonprofit partner organizations, including Heal the Bay and Buffalo Zoo
  • You currently work for or retired from work with any of Xceed’s dozens of for-profit partners
  • You live in one of the communities directly served by Xceed

$100 or $200 Bonus for Referring Members

To qualify for the $100 referring member bonus, use the official bankingworthsharing.com referral website to submit your referral.

If the referred customer opens a new Xceed Signature Checking account by December 31, 2019, and completes the qualification requirements described below, you’ll receive your $100 referring member bonus within 30 days after the referred member’s account has been open and in good standing for at least 90 days. If you meet the following requirements, you’ll receive an additional $100 bonus, for a total referring member bonus of $200:

  • Have an active Xceed Visa® debit card
  • Sign up for online statements
  • Sign up for overdraft protection
  • Receive recurring direct ACH payroll deposits totaling at least $500 per month in an Xceed Signature checking account

$200 Bonus for Referred Members

New referred members qualify for a $200 bonus when they complete the following qualifying steps:

  • Open a new Xceed Visa® Platinum debit card
  • Sign up for online statements
  • Sign up for overdraft protection
  • Receive at least two recurring direct ACH payroll deposits totaling at least $500 per month their new account within 90 days of account opening
  • Maintain their new account in good standing for at least 90 days

After taking all required qualifying steps, the newly referred member receives the $200 bonus within 30 days. There’s no limit to the number of referrals you can make or the total number of referred customers who can sign up using your referral.

Apply Now


27. Discover Savings – Up to $200 Bonus

discover bank logoDiscover Bank has two distinct offers for new savings account customers.

$200 Bonus

This is an attractive cash bonus offer for customers with funds sufficient to meet the hefty opening deposit requirement. To qualify, use the promo code “OBE1219” to open your first Discover online savings account by January 6, 2020. Then, deposit at least $25,000 in new money by January 20, 2020. You’ll receive the $200 bonus by February 3, 2020.

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 January 30, 2020).

Apply Now

$150 Bonus

This savings offer is slightly easier to attain. Use the promo code “OBE1219” to open your first Discover online savings account by January 6, 2020. Then, deposit at least $15,000 in new money by January 20, 2020. You’ll receive the $150 bonus by February 6, 2020.

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 January 30, to receive the bonus.

Apply Now


28. Discover Cashback Debit – Cashback Match Up to $30 Per Month

discover bank logo

Discover Bank has a separate spending account promotion that’s worth investigating. When you open your first Discover Cashback Debit account and spend up to $3,000 per month, Discover will match cash back earned on that spending through December 31, 2019. At a rate of 1% cash back, that’s a match of up to $30 per month, or $90 total if you open in October.

You’ll receive all cash back earned during the promotional period by March 5, 2020. Once the match promotion ends, you’ll continue to earn 1% cash back on up to $3,000 spent each month, for a monthly cash back opportunity of up to $30.

Apply Now


29. Capital One 360 Performance Savings® – Up to $1,000 Bonus

Capital One has a rare deal on its 360 Performance Savings® account. Here’s how to earn up to $1,000 when you open a new account.

Start by opening a new Performance Savings account using promo code ‘SAVE1000’ by December 31, 2019, and deposit at least $10,000 in qualifying new money within 10 days.

If your new money balance falls between $10,000 and $149,999.99, you’ll earn a $200 cash bonus when you maintain the balance for at least 90 days after the initial funding period. If your new money balance exceeds $150,000, you’ll earn a $1,000 cash bonus after maintaining the balance for at least 90 days following the initial funding period.

Moving forward, you’ll earn 1.90% APY on all balances held in your account.

Apply Now


30. Unify Financial Credit Union – Up to $150 Bonus

Open a new checking account with Unify Financial Credit Union (excluding the Right Start Checking and Right Start Debit accounts) and complete the requirements to earn a cash bonus of up to $150. Here’s how:

  • To earn a $50 cash bonus, simply open a qualifying new account with the minimum opening deposit and keep it open for at least 30 days. You’ll receive the bonus during your second statement cycle.
  • Receive a further $50 cash bonus by establishing a recurring direct deposit of at least $500 per month within 60 days of account opening. You’ll receive the bonus during the following statement cycle.
  • Receive the final $50 cash bonus by earning a $1 bonus for each Unify debit card transaction greater than $5 within 60 days of account opening (with a maximum of 50 eligible transactions). You’ll receive the bonus in the following statement cycle.

This offer expires on December 31, 2019.

Both accounts require a $25 minimum opening deposit, and applicants must be Unify 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.

Apply Now


31. Bank of America – Up to $300 Bonus

bank of americaBank of America has an easy checking bonus that could net you $100.

To qualify, open a Bank of America Advantage SafeBalance Banking, Advantage Plus Banking, or Advantage Relationship Banking account by December 31, 2019 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. Like the $300 bonus, 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 six months. Minimum deposit requirements, maintenance fees, and maintenance fee waivers all apply.

Apply Now


32. Regions Bank – Up to $100 Cash Bonus Each Year
regions bank

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 annual savings bonus of $100. Your bonus should be deposited into your account on the business day following your anniversary date.

Apply Now


33. Charles Schwab – Up to $500 Cash Referral Bonus

charles schwabOpen a new qualifying Charles Schwab account with a qualifying referral from an existing Schwab client to earn a cash bonus of up to $500.

To qualify, simply ask a friend or family member with a Schwab account to send you their unique referral code. Then, use the code to open a new Schwab account with an initial deposit of at least $1,000. Make a qualifying deposit within 45 days of your account opening date, and you should receive your cash bonus about a week later.

Your bonus will depend on how much you’re able to deposit during the 45-day qualifying period:

  • $1,000 to $24,999: $100 bonus
  • $25,000 to $49,999: $200 bonus
  • $50,000 to $99,999: $300 bonus
  • $100,000 and above: $500 bonus

Once your account is open, monthly fees may apply. Multiple members of the same household may qualify for bonuses individually, as long as they open separate Schwab accounts.

Apply Now


34. ACE Flare Account – $100 Bonus and 6.00% Savings APY

For a limited time, earn a $100 cash bonus when you open a new ACE Flare account and make a qualifying direct deposit. All you need to do is open the account and make a direct deposit in any amount within 60 days of the account opening date. You’ll receive the $100 bonus as a separate deposit no later than 30 days after the direct deposit hits.

When you pair your ACE Flare account with an optional ACE savings account, you’ll earn 6.00% APY on the first $2,000 in the savings account. All balances above $2,000 (calculated as a minimum daily balance) yield 0.50% APY.

Learn More


35. SoFi Money – $50 Referral Bonus

Open a new SoFi Money account, then refer friends to open accounts of their own to earn $50 per referral. The referred party may be eligible to earn a new account bonus, as well. The amount of the referral bonus is subject to change without notice but is currently $50 for both parties.

To begin referring new account holders to SoFi Money, open the “Refer a Friend” tab in your SoFi Money app and copy your unique link. Then, send the link to whoever you’d like to refer via social media, email, or whatever’s most convenient. For a referral to be successful, the referred party must open and fund a new SoFi Money account with $100 in new money within 14 days of receiving the link.

SoFi Money is a high-yield cash management account. Read all disclosures for current rate and balance information.

Learn More


36. BBVA Money Market Account – 2.15% APY Promotional Yield

Open a new BBVA Money Market account with a $25 minimum opening deposit and bring your total account balance to at least $10,000 to receive a 2.15% APY promotional yield on all balances.

This offer isn’t available to BBVA customers who’ve had a BBVA money market account within the past 30 days. To avoid the $15 monthly service charge, you must either maintain a minimum balance of $10,000 or complete a monthly recurring direct deposit of $25 or more from a BBVA checking account into your BBVA Money Market account. This offer may not be available to customers in CA, TX, FL, AZ, AL, HI, and AK, and may be subject to change with prevailing interest rates.

Apply Now


37. Citizens Bank – $1,000 Bonus for College Savings

citizens bank logoCitizens 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 you meet your college savings needs. It’s 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.

Apply Now


38. Citizens Bank – Up to $600 Checking & Savings Bonus

Citizens Bank has another attractive new account bonus for customers who open new checking and/or savings accounts by December 26, 2019. Here’s how it works.

First, you’ll earn $300 bonus cash when you open a One Deposit Checking from Citizens Bank or Citizens Bank Platinum Checking account and complete a single direct deposit totaling $500 or more within 60 days of account opening.

You’ll earn an additional $200 bonus when you open your first new personal checking account (excluding Student Checking) and your first personal savings account on the same date with a minimum opening deposit of $15,000 in new money. You must keep your $15,000 opening deposit in your account (or maintain a minimum balance of $15,000) for at least four months from your account opening date.

You’ll earn the final $100 bonus, for a total of $600 in potential bonus cash, when you complete both sets of qualifying activities by the end of the promotion.

After completing the qualifying activities, you should receive your bonus within four months, but the exact timing may vary. This offer may not be available in all states; check Citizens Bank’s website for details.

Apply Now


39. BankDirect – AAdvantage Miles

bank direct logoOpen a BankDirect Mileage Checking With Interest account or Mileage Money Market account and earn American Airlines AAdvantage miles. Bonus opportunities abound, including:

  • 1,000 miles just for opening an account.
  • 10,000 miles for initiating direct deposit into a Mileage Checking With Interest account only.
  • 5,000 miles for using BankDirect’s bill pay service with three different payees for six consecutive billing cycles.
  • 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 six consecutive statement cycles.
  • 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.

Apply Now


Final Word

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?

Editorial Disclosure: This content is not provided or commissioned by the bank advertiser. Opinions expressed here are author’s alone, not those of the bank advertiser, and have not been reviewed, approved or otherwise endorsed by the bank advertiser. This site may be compensated through the bank advertiser Affiliate Program.

UGC Disclosure: The comments below are not provided or commissioned by the bank advertiser. Comments have not been reviewed, approved, or otherwise endorsed by the bank advertiser. It is not the bank advertiser’s responsibility to ensure all posts and/or questions are answered.

Brian Martucci
Brian Martucci writes about credit cards, banking, insurance, travel, and more. When he's not investigating time- and money-saving strategies for Money Crashers readers, you can find him exploring his favorite trails or sampling a new cuisine. Reach him on Twitter @Brian_Martucci.

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