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38 Best New Bank Account Promotions & Offers – July 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.

Sign up for an account at Simple by 7/31/19 4:59 PM PT and get up to a $500 bonus and 2.02% APY (with qualified activities).

Don’t want to miss out? Here are the best bank promotions for the month of July.

Top Bank Account Promotions (July 2019)

1. TD Bank Beyond CheckingSM – $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 CheckingSM – $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 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 daily balance of at least $100. Students and young adults aged 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. Simple Protected Goals Account – Up to $500 Bonus With Qualifying Activities

Simple.comEarn up to $500 when you open new Simple.com Protected Goals Accounts (Individual and Shared) by July 31, 2019 with qualifying activities – that’s a $250 bonus on each new account.

Here’s how to earn the $250 bonus for each new Protected Goals Account ($250 for Individual and $250 for Shared). First, open a new Protected Goals Account by 4:59pm PT on 7/31/19. Deposit $10,000 or more into the new Protected Goals Account by 4:59pm PT on 8/15/19 (the deposit must post by that time). Then, maintain a balance of at least $10,000 in the new Protected Goals Account through 4:59pm PT on 10/31/19.

If you meet the bonus requirements by the specified deadlines, you’ll receive a $250 bonus per account by 4:59pm PT on 11/15/19. To receive the bonus, each account must be open and in good standing at the time of the bonus credit. You’re limited to one $250 bonus per Protected Goals Account.

Apply Now


4. Chase SapphireSM Checking – $750 Bonus

chase bank logo

Open a new Chase SapphireSM Checking account with qualifying activities to earn a $750 cash bonus.

Here’s how. First, open or upgrade to a Chase Sapphire Checking account at your local Chase branch or online (for new Chase checking customers only). Then, within 45 calendar days of opening your account, transfer a total of $75,000 or more in qualifying new money or securities to a combination of eligible checking, savings and/or investment accounts, and maintain that balance for at least 90 days. Within 10 days of completing these qualifying activities, Chase will deposit the bonus into your Chase Sapphire Checking account.

This offer is not available to existing Chase Sapphire Banking or Chase Private Client customers. The Chase Sapphire Checking account’s $25 monthly service fee is waived when you maintain a $75,000 minimum daily balance across any combination of your Chase Sapphire Checking account and linked qualifying Chase checking, savings, and other balances.

Apply Now


5. Chase SapphireSM Checking – 60,000 Bonus Points

chase bank logo

Chase Sapphire Checking has another great bonus opportunity. This one is worth 60,000 bonus points when you complete the qualifying activities.

Here’s how it works. Open or upgrade to a new Chase SapphireSM Checking account by August 6, 2019. Then, within 45 calendar days, transfer a total of $75,000 or more in qualifying new money or securities into a combination of eligible Chase checking, savings and/or investment accounts. Maintain that balance for at least 90 days.

Within 45 business days after you clear the 90-day threshold, Chase will add 60,000 bonus points to your eligible Chase Sapphire credit card (the Chase Sapphire Preferred Card or the Chase Sapphire Reserve Card).

For Sapphire Preferred cardholders, this offer is worth up to $750 when redeemed for travel purchases through the Chase Ultimate Rewards portal. For Sapphire Reserve cardholders, it’s worth up to $900 when redeemed for travel through Ultimate Rewards. And it could be worth even more when you transfer your points to Chase’s travel loyalty partners, such as United Airlines, Southwest Airlines, and Hyatt. Precise redemption values on transferred points depend on the underlying cost of partner travel purchases.

Apply Now


6. 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 paycheck, pension 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 these steps are taken, 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% effective as of 6/14/19. 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 to residents of AK, HI, and PR.

Apply Now


7. 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 is 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 to residents of AK, HI, and PR.

Apply Now


8. 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 the deposit was made. 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 to residents of AK, HI, and PR.

Apply Now


9. 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 5 qualifying transactions within the same time 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 October 17, 2019.

Apply Now


10. 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 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 October 18, 2019.

Apply Now


11. 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  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.

Apply Now


12. Wells Fargo Everyday Checking – $400 Cash Bonus

wells fargo logoOpen a new Wells Fargo Everyday Checking account online or in-branch by November 27, 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


13. 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 September 30, 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


14. HSBC Premier Checking – $750 Cash Back

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 July 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 3 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 8 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


15. Capital One 360 Money Market – $500 Cash Bonus

When you open a new Capital One 360 Money Market account by July 31, 2019, and complete qualifying activities, you’ll earn a $500 cash bonus.

To qualify for the bonus, open a Capital One 360 Money Market account using the promo code “SPREE500” and deposit at least $50,000 or more in new money from an external bank within 10 days of account opening. Maintain a minimum daily balance of $50,000 for 90 days. Capital One will deposit your $500 bonus within 60 days after the 90-day mark, provided your account remains open and in good standing.

A yield of 2.00% APY applies to accounts with balances of $10,000 or more. Accounts with balances less than $10,000 yield 0.85% APY. This offer is not available to applicants who have or have had a Capital One savings product after January 1, 2016.

Apply Now


16. Discover Cashback Checking – Up to $360 Annual Cash Back

discover bank logoWhen you open a new Cashback Checking account, you can earn as much as $360 each account anniversary year (12 billing cycles beginning with the cycle in which you open your account).

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.

Apply Now


17. HSBC Advance Checking – $350 Cash Back

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 July 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 3 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 8 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


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

When you open a new eligible checking and savings account in the Citibank Account Package by September 30, 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. This qualifies you for a $400 cash bonus, which you’ll receive 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 2 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 accountholders only.

Apply Now


19. Citibank Priority Account Package – $600 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 September 30, 2019, you could qualify for a cash bonus of $600. 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 that 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 accountholders only.

Apply Now


20. Citibank Checking Account – 40,000 Bonus AAdvantage Miles

When you open an eligible regular or interest checking account in the Citibank Account Package by July 31, 2019, you may qualify for a one-time bonus of 40,000 American Airlines AAdvantage loyalty miles. Depending on how you redeem, that could be enough for a round-trip fare anywhere in the continental United States.

Here’s how to earn the bonus. First, open a free AAdvantage account with American Airlines, if you don’t have one already. Then, enroll in Citibank’s offer using the enrollment instructions provided by the bank. Next, open an eligible checking account by July 31, 2019, and deposit at least $15,000 in new money within 30 calendar days. Once you’ve maintained your new balance for at least 60 calendar days, you’re qualified for the bonus, and you should receive 40,000 AAdvantage miles within 90 calendar days.

To avoid the $25 monthly service fee and $2.50 non-Citibank ATM fee, you must maintain a minimum average monthly balance of $10,000 across eligible Citibank Account Package accounts.

Apply Now


21. Marcus by Goldman Sachs – 1% Deposit Bonus (Up to $500)

New and existing Marcus by Goldman Sachs accountholders may qualify for a 1% bonus on new money deposits, up to $50,000 in total deposits and $500 total bonus cash. Qualifying deposits must be new money – internal transfers don’t count.

To qualify for this bonus, open a Marcus Online Savings Account (if you haven’t already) and manually enroll in the offer on Marcus by Goldman Sachs’ website. Then, during the 10-day enrollment period, deposit at least $1,000 in new money. The total of all deposits made during this period is your Enrollment Account Balance.

Following the end of the 10-day enrollment period, maintain your full Enrollment Account Balance for 90 consecutive days (the Maintenance Period). If your account is open and good standing at the end of the Maintenance Period, you’ll receive 1% of the total Enrollment Account Balance (up to $500) within 14 business days.

All balances held in the Marcus Online Savings Account yield 2.15% APY. This offer is not available to new or existing Marcus customers currently enrolled in another bonus offer.

Apply Now


22. 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 September 30, 2019, with a minimum opening deposit of $100, using the offer code “Q319ADVCHKOL.” 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


23. 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


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 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.

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 September 30, 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 accountholders only.

Apply Now


26. BB&T Bright Banking Checking – $200 Cash Bonus

BB&T has another account opening bonus that, though less generous, is far easier to attain. Open a new BB&T Bright Banking® checking account by August 8, 2019 and complete one of the following qualifying activities within 75 days of your account opening date.

  • Enroll in direct deposit and receive at least two direct deposits of $100 or more
  • Activate U by BB&T® bill pay and use it to initiate three online payments of at least $25 each

You should receive your bonus within four weeks of completing these qualifying activities. You can avoid the $12 monthly maintenance fee in any statement period when you do one of the following:

  • Receive at least one direct deposit of $500 or greater
  • Maintain an average daily balance of at least $1,500

This offer is not available in PA or NJ.

Apply Now


27. 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 new 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


28. Salem Five – Your Choice of Free 12-Month Subscription

salem five logoOpen 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.

Apply Now


29. 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 “OBH719” to open your first Discover online savings account by August 5, 2019. Then, deposit at least $25,000 in new money by August 19, 2019. You’ll receive the $200 bonus by September 2, 2019.

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 September 2, 2019).

Apply Now

$150 Bonus

This savings offer is slightly easier to attain. Use the promo code “OBH719” to open your first Discover online savings account by August 5, 2019. Then, deposit at least $15,000 in new money by August 19, 2019. You’ll receive the $150 bonus by September 2, 2019.

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 September 2, 2019, to receive the bonus.

Apply Now


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

discover bank logo

Discover Bank has a separate spending account promotion that’s definitely worth investigating. When you open your first Discover Cashback Debit account by 7/31/19 using the promo code “CMBA719” and spend up to $3,000 per month, Discover will match cash back earned on that spending through 12/31/19. At a rate of 1% cash back, that’s a match of up to $30 per month, or $180 total if you open in July.

You’ll receive all cash back earned during the promotional period by 3/5/20. 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


31. 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 (maximum 50 eligible transactions). You’ll receive the bonus in the following statement cycle.

This offer expires 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


32. HSBC/Slickdeals – $125 Bonus

When you open a new HSBC Direct Savings account through Slickdeals, you may qualify for a $125 bonus. This bonus is provided by Slickdeals, not HSBC, so you’ll want to direct any questions about it to Slickdeals. You must create a free Slickdeals account to qualify for this bonus.

To get the bonus, log into your Slickdeals account and use the link above to complete your HSBC Direct Savings account application. You must complete the application in a single browsing session, then submit this form within four weeks of applying to verify your PayPal account. Once your account is open and your PayPal account verified, you should receive the $125 bonus in your PayPal account within 60 days.

The HSBC Direct Savings account yields 2.30% APY on all balances with no minimum opening or ongoing balance requirements. Your account must remain open for at least 180 days to avoid the $25 early account termination fee.

Apply Now


33. Bank of America – $100 Bonus

bank of americaOpen 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. 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 SafeBalance Banking account and a $100 minimum deposit to open the other two accounts.

Moving forward, here’s how to avoid monthly maintenance fees on these accounts:

  • Avoid the $4.95 monthly fee on Advantage SafeBalance Banking as a student under age 24 or by meeting Bank of America’s Preferred Rewards enrollment requirements.
  • Avoid the $12 monthly fee on Advantage Plus Banking in any statement cycle during which you receive at least one direct deposit of $250 or more or maintain a $1,500 minimum daily balance.
  • Avoid the $25 monthly fee on Advantage Relationship Banking in any statement cycling during which you maintain a $10,000 minimum combined balance across eligible Bank of America and Merrill Lynch accounts.

This offer is available to applicants without existing Bank of America personal checking accounts.

Apply Now


34. Regions Bank – Up to $100 Cash Bonus
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 savings bonus of $100. Your bonus should be deposited into your account on the business day following your anniversary date.

Apply Now


35. Charles Schwab – $100 Cash Referral Bonus

charles schwabOpen a new qualifying Charles Schwab account with a qualifying referral from an existing Schwab client to earn a $100 bonus.

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 no minimum deposit. You should receive your $100 bonus within 30 days. Monthly fees may apply.

Apply Now


36. BBVA Money Market Account – $100 Bonus

Open a new BBVA Money Market account with a $25 minimum opening deposit and bring your total account balance to at least $10,000 by July 31, 2019. If your account balance is at least $10,000 on October 31, 2019, you’ll receive a $100 bonus within 90 days of completing the requirement.

This bonus isn’t available to BBVA customers who’ve earned a banking bonus within the past 12 months. 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.

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 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.

Apply Now


38. BankDirect – AAdvantage Miles

bank direct logoOpen 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.

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 frugal living, entrepreneurship, and innovative ideas. When he’s not interviewing small business owners or investigating time- and money-saving strategies for Money Crashers readers, he’s probably out exploring a new trail or sampling a novel cuisine. Find him on Twitter @Brian_Martucci.

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