Best Bank Account Bonus Offers (Up to $4,100)

Our experts answer readers’ banking questions and write unbiased product reviews (here’s how we assess banking products). In some cases, we receive a commission from our partners; however, our opinions are our own. Terms apply to offers listed on this page.

We’ve gone through the best bank promotions and bonus offers among national, regional banks, and online banks, and selected our top picks for September 2023. Some of these bank bonus offers are for personal checking and savings accounts, while other promotions are for business accounts.

SoFi Checking and Savings

Insider’s Rating

A five pointed star

4.25/5

Fees

no monthly service fee

Annual Percentage Yield (APY)

up to 4.50%

Minimum Deposit Amount

Pros

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FDIC insured for $2 million

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High interest rate

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Earn a higher interest rate with qualifying activities

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No minimum opening deposit

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No monthly service fees

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No overdraft fees

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Up to $250 bonus with qualifying direct deposit (terms apply)

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Earn up to 15% cash back at local retailers if you use a SoFi debit card

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No-fee overdraft coverage if you overdraw up to $50

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Savings tools

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Early direct deposit

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Joint account available

Cons

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Declined purchase if you overdraw by more than $50

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Doesn’t reimburse out-of-network ATM providers’ fees

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May deposit cash at Green Dot locations but there’s a $4.95 fee

Product Details

FDIC insured for $2 million
Free access to 50,000+ Allpoint ATMs worldwide
Hybrid checking/savings account
Earn up to 15% cash back on local retailers when you use a SoFi debit card; Retailer information is available through online banking
Earn 4.50% APY on savings balances (Vaults included) and 0.50% APY on checking balances if you set up direct deposit or deposit minimum $5,000 per month
Earn 1.20% APY on SoFi Checking and Savings if you don’t have qualifying activities
Earn up to $250 cash bonus available through December 31, 2023; receive a $50 bonus if you make a direct deposit between $1,000 and $4,999 in the first 30 days of opening an account; receive a $250 bonus if you make a direct deposit of $5,000 or more in the first 30 days of opening an account
Create up to 20 Money Vaults to save for individual savings goals like an emergency fund or vacation
$4.95 fee each time you deposit cash at a Green Dot location
To get no-fee overdraft coverage you must have at least $1,000 in direct deposits

BMO Relationship Plus Money Market Account

Insider’s Rating

A five pointed star

3.75/5

Fees

$40 monthly service fee

Annual Percentage Yield (APY)

None

Minimum Deposit Amount

None

Pros

Check mark icon
A check mark. It indicates a confirmation of your intended interaction.

No minimum opening deposit

Check mark icon
A check mark. It indicates a confirmation of your intended interaction.

Unlimited transactions

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Possible to waive the monthly service fee

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Ability to deposit cash

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Free overdraft protection available

Cons

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$40 monthly service fee

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$36 overdraft fee

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$3.50 out-of-network ATM fee

Insider’s Take

Huntington Bank is a good option if you live near a branch and prefer in-person banking.

Product Details

To waive the $40 monthly service fee, maintain at least $50,000 in your account each month
No fee for the first $25,000 you deposit in cash each month
There’s a $0.30 fee for each $100 cash deposit that exceeds the $25,000 limit
FDIC insured

U.S. Bank Smartly® Checking

Insider’s Rating

A five pointed star

4/5

Fees

$6.95 monthly service fee

Annual Percentage Yield (APY)

See site for details

Minimum Deposit Amount

$25

Bonus

up to $500 (earn up to $1,000 total if you qualify for both Smartly Checking and Standard Savings account offers)

Pros

Check mark icon
A check mark. It indicates a confirmation of your intended interaction.

Low minimum opening deposit

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Several way to waive monthly service fee

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Large ATM network

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No fee overdraft protection transfers from a linked deposit account

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$50 overdrawn Available Balance safety threshold and Overdraft Fee Forgiven program

Check mark icon
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May enroll in U.S. Bank Smart Rewards if you meet certain requirements

Cons

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$6.95 monthly service fee

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$2.50 out-of-network ATM fee

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$36 overdraft fee

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$12.50 overdraft protection transfer fee for transfers over $50 made from a linked credit account

Product Details

Earn up to $1,000 when you open a new U.S. Bank Smartly® Checking account and a Standard Savings account and complete qualifying activities. Subject to certain terms and limitations. Offer valid through October 31, 2023. Member FDIC.
Earn up to $500 with a new Bank Smartly Checking account.
Complete the following within 90 days of account opening:
-Enroll in online banking or the U.S. Bank Mobile App
-Make two or more direct deposit(s)* totaling $5,000 to $9,999.99 to earn $300 or $10,000 or more to earn $500
Earn up to $400 with a new Standard Savings account.
-Make new money deposit(s) totaling $25,000 to $49,999.99 to earn $200 or $50,000 or more to earn $400 by November 30, 2023 •Maintain that balance until May 31, 2024
Earn an additional $100 for opening both!
Applicant must reside in AZ, AR, CA, CO, ID, IL, IN, IA, KS, KY, MN, MO, MT, NE, NV, NM, NC, ND, OH, OR, SD, TN, UT, WA, WI, WY to be eligible for Checking account

U.S. Bank Standard Savings Account

Insider’s Rating

A five pointed star

3.5/5

Fees

$4 monthly service fee

Annual Percentage Yield (APY)

0.01%

Minimum Deposit Amount

$25

Bonus

up to $400 (earn up to $1,000 total if you qualify for both Smartly Checking and Standard Savings account offers)

Pros

Check mark icon
A check mark. It indicates a confirmation of your intended interaction.

$25 minimum opening deposit

Check mark icon
A check mark. It indicates a confirmation of your intended interaction.

You may qualify to waive the monthly fee

Cons

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Low APY

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$4 monthly service fee

Product Details

Earn up to $400 with a new Standard Savings account and earn up to $1,000 total If you open Smartly Checking and Standard Savings accounts at the same time.
•Make new money deposit(s) totaling $25,000 to $49,999.99 to earn $200 or $50,000 or more to earn $400 by September 30, 2023 •Maintain that balance until March 31, 2024
Earn an additional $100 for opening both the Standard Savings account and the U.S. Bank Smartly® Checking
Over 2,000 branches in 26 US states
Free access to around 4,700 ATMs
Waive $4 monthly service fee by maintaining a $300 daily balance, OR average $1,000 monthly balance, OR being under age 18
Interest compounded daily, paid monthly
FDIC insured

U.S. Bank Silver Business Checking Package

Insider’s Rating

A five pointed star

3.75/5

Fees

no monthly service fee

Annual Percentage Yield (APY)

None

Minimum Deposit Amount

$100

Pros

Check mark icon
A check mark. It indicates a confirmation of your intended interaction.

$100 minimum opening deposit

Check mark icon
A check mark. It indicates a confirmation of your intended interaction.

No monthly service fees

Check mark icon
A check mark. It indicates a confirmation of your intended interaction.

Overdraft protection available

Check mark icon
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125 free transactions per month

Check mark icon
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May qualify for cash bonus

Cons

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$0.50 fee for each transaction that exceeds the 125 monthly limit

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$2.50 out-of-network ATM fee

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$20 incoming domestic wire transfer fee

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$30 outgoing domestic wire transfer fee

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$25 incoming international wire transfer fee

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$50 outgoing international wire transfer fee

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$12.50 fee if you utilize overdraft protection

Product Details

Earn up to an $800 bonus when you open a new, eligible U.S. Bank business checking account online with promo code Q3AFL23 and complete qualifying activities, subject to certain terms and limitations.
Offer valid through January 8, 2024. Member FDIC. Complete these steps to earn the offer:
Earn your $350.
– Complete $5,000 in new money deposits within 30 days of account opening and maintain for 60 days after account opening.
Earn your $800.
– Complete $25,000 in new money deposits within 30 days of account opening and maintain for 60 days after account opening.
Applicant must reside in AZ, AR, CA, CO, ID, IL, IN, IA, KS, KY, MN, MO, MT, NE, NV, NM, NC, ND, OH, OR, SD, TN, UT, WA, WI, WY to be eligible for checking account.
Designed for businesses with limited transaction activity, this package offers a variety of value-added products and services to help save you time and money
$0 monthly maintenance fee
125 free transactions per month, $0.50 fee for each additional transaction
Member FDIC

U.S. Bank Gold Business Checking Package

Insider’s Rating

A five pointed star

3.5/5

Fees

$20 monthly service fee

Annual Percentage Yield (APY)

None

Minimum Deposit Amount

$100

Pros

Check mark icon
A check mark. It indicates a confirmation of your intended interaction.

$100 minimum opening deposit

Check mark icon
A check mark. It indicates a confirmation of your intended interaction.

Possible to waive monthly service fee

Check mark icon
A check mark. It indicates a confirmation of your intended interaction.

Overdraft protection available

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100 free cash deposits per statement cycle

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300 free transactions per month

Check mark icon
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May qualify for cash bonus

Cons

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$20 monthly service fee

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$0.45 fee for each transaction that exceeds the 300 monthly limit

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$2.50 out-of-network ATM fee

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$20 incoming domestic wire transfer fee

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$30 outgoing domestic wire transfer fee

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$25 incoming international wire transfer fee

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$50 outgoing international wire transfer fee

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$12.50 fee if you utilize overdraft protection

Product Details

Earn up to an $800 bonus when you open a new, eligible U.S. Bank business checking account online with promo code Q3AFL23 and complete qualifying activities, subject to certain terms and limitations.
Offer valid through January 8, 2024. Member FDIC. Complete these steps to earn the offer:
Earn your $350.
– Complete $5,000 in new money deposits within 30 days of account opening and maintain for 60 days after account opening.
Earn your $800.
– Complete $25,000 in new money deposits within 30 days of account opening and maintain for 60 days after account opening.
Applicant must reside in AZ, AR, CA, CO, ID, IL, IN, IA, KS, KY, MN, MO, MT, NE, NV, NM, NC, ND, OH, OR, SD, TN, UT, WA, WI, WY to be eligible for checking account.
If your business has moderate transaction activity, this business checking account package offers more ways to save, helping you manage cash flow
$20 monthly maintenance fee, waivable
300 free transactions per month, $0.45 fee for each additional transaction
100 of free cash deposits per statement cycle
50% discount on first check order up to $100.
Free front check image on your monthly checking account statement
Member FDIC

U.S. Bank Platinum Business Checking Package

Insider’s Rating

A five pointed star

3.5/5

Fees

$30 monthly service fee

Annual Percentage Yield (APY)

None

Minimum Deposit Amount

$100

Pros

Check mark icon
A check mark. It indicates a confirmation of your intended interaction.

$100 minimum opening deposit

Check mark icon
A check mark. It indicates a confirmation of your intended interaction.

Possible to waive monthly service fee

Check mark icon
A check mark. It indicates a confirmation of your intended interaction.

Overdraft protection available

Check mark icon
A check mark. It indicates a confirmation of your intended interaction.

500 free transactions per month

Check mark icon
A check mark. It indicates a confirmation of your intended interaction.

May qualify for cash bonus

Cons

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$30 monthly service fee

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$0.40 fee for each transaction that exceeds the 500 monthly limit

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$2.50 out-of-network ATM fee

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$20 incoming domestic wire transfer fee

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$30 outgoing domestic wire transfer fee

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$25 incoming international wire transfer fee

con icon
Two crossed lines that form an ‘X’.

$50 outgoing international wire transfer fee

con icon
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$12.50 fee if you utilize overdraft protection

Product Details

Earn up to an $800 bonus when you open a new, eligible U.S. Bank business checking account online with promo code Q3AFL23 and complete qualifying activities, subject to certain terms and limitations.
Offer valid through January 8, 2024. Member FDIC. Complete these steps to earn the offer:
Earn your $350.
– Complete $5,000 in new money deposits within 30 days of account opening and maintain for 60 days after account opening.
Earn your $800.
– Complete $25,000 in new money deposits within 30 days of account opening and maintain for 60 days after account opening.
Applicant must reside in AZ, AR, CA, CO, ID, IL, IN, IA, KS, KY, MN, MO, MT, NE, NV, NM, NC, ND, OH, OR, SD, TN, UT, WA, WI, WY to be eligible for checking account.
If your business has excess cash on hand, the Platinum Business Checking Package offers the best rewards with the convenience of consolidated accounts
$30 monthly maintenance fee, waivable
500 free transactions per month, $0.40 fee for each additional transaction
50% discount on first check order up to $100
Free Mobile Check Deposit
Free front and back check images on your monthly checking account statement
Member FDIC

Huntington Bank Platinum Perks Checking

Insider’s Rating

A five pointed star

3.5/5

Fees

$25 monthly service fee

Annual Percentage Yield (APY)

0.03%

Minimum Deposit Amount

Pros

Check mark icon
A check mark. It indicates a confirmation of your intended interaction.

Earn interest on your money

Check mark icon
A check mark. It indicates a confirmation of your intended interaction.

Earn a higher rate on your Huntington savings or money market account when you have a Huntington Platinum Perks Checking account

Check mark icon
A check mark. It indicates a confirmation of your intended interaction.

Receive your paycheck up to two days early

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No minimum opening deposit

Check mark icon
A check mark. It indicates a confirmation of your intended interaction.

No out-of-network ATM fees, and unlimited reimbursements

Check mark icon
A check mark. It indicates a confirmation of your intended interaction.

Monitor your credit score

Check mark icon
A check mark. It indicates a confirmation of your intended interaction.

$50 Safety Zone: No overdraft fees if you overdraw by $50 or less

Check mark icon
A check mark. It indicates a confirmation of your intended interaction.

24-hour grace period to avoid overdraft fees

Check mark icon
A check mark. It indicates a confirmation of your intended interaction.

Free overdraft protection

Check mark icon
A check mark. It indicates a confirmation of your intended interaction.

Open a Premier Savings account with no opening deposit or monthly fee when you have a checking account

Check mark icon
A check mark. It indicates a confirmation of your intended interaction.

Relationship discounts on mortgages and equity lines of credit

Cons

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$25 monthly fee if you don’t qualify to have it waived

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$15 overdraft fee

Product Details

Available to residents of Colorado, Florida, Illinois, Indiana, Kentucky, Michigan, Minnesota, Ohio, Pennsylvania, West Virginia, or Wisconsin
Access to over 1,000 branches and 1,600 ATMs
$25 monthly maintenance fee, or $0 when you have $25,000 total in all your Huntington accounts
$600 cash bonus for eligible new customers who open a new, qualifying Huntington Platinum Perks Checking account by October 7, 2023 with qualifying activities
Free overdraft protection that lets you connect your checking account to another Huntington account
Interest compounded and deposited monthly
FDIC insured

PNC Treasury Enterprise Plan

Insider’s Rating

A five pointed star

3.75/5

Fees

$25 monthly maintenance fee

Annual Percentage Yield (APY)

N/A

Minimum Deposit Amount

$100

Pros

Check mark icon
A check mark. It indicates a confirmation of your intended interaction.

You may qualify for a $500 bonus

Check mark icon
A check mark. It indicates a confirmation of your intended interaction.

Receive an Earnings Credit to offset or lessen fees, regardless of your monthly balance

Check mark icon
A check mark. It indicates a confirmation of your intended interaction.

Pay only for the banking services you use per month

Check mark icon
A check mark. It indicates a confirmation of your intended interaction.

No out-of-network ATM fees

Check mark icon
A check mark. It indicates a confirmation of your intended interaction.

Earn cash back at certain locations

Cons

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$100 minimum opening deposit

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$25 monthly service fee, with no option to waive

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Doesn’t reimburse any fees charged by out-of-network ATMs

Insider’s Take

PNC Bank’s strongest products are its digital accounts, but your options will depend on where you live.

Product Details

Branches in 29 US states and Washington, DC
Around 60,000 free ATMs
Keep all of your PNC business checking and bookkeeping in one place
Earn $500 bonus by opening an account by 9/30/2023 and maintaining a $30,000 average ledger balance for the first three statement cycles (only available if your business annual revenue is under $5 million)
Member FDIC

Huntington Bank Perks Checking

Insider’s Rating

A five pointed star

4/5

Fees

$10 monthly service fee

Annual Percentage Yield (APY)

0.02%

Minimum Deposit Amount

Pros

Check mark icon
A check mark. It indicates a confirmation of your intended interaction.

Earn interest on your money

Check mark icon
A check mark. It indicates a confirmation of your intended interaction.

Earn a higher rate on your Huntington savings or money market account when you have a Huntington Perks Checking account

Check mark icon
A check mark. It indicates a confirmation of your intended interaction.

No minimum opening deposit

Check mark icon
A check mark. It indicates a confirmation of your intended interaction.

Waives/reimburses up to 5 out-of-network ATM fees per month

Check mark icon
A check mark. It indicates a confirmation of your intended interaction.

Receive your paycheck up to two days early

Check mark icon
A check mark. It indicates a confirmation of your intended interaction.

Monitor your credit score

Check mark icon
A check mark. It indicates a confirmation of your intended interaction.

$50 Safety Zone: No overdraft fees if you overdraw by $50 or less

Check mark icon
A check mark. It indicates a confirmation of your intended interaction.

24-hour grace period to avoid overdraft fees over $50

Check mark icon
A check mark. It indicates a confirmation of your intended interaction.

Free overdraft protection

Check mark icon
A check mark. It indicates a confirmation of your intended interaction.

Open a Premier Savings account with no opening deposit or monthly fee when you have a checking account

Cons

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Two crossed lines that form an ‘X’.

$10 monthly service fee if you don’t qualify to have it waived

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$3.50 out-of-network ATM fee

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$15 overdraft fee

Product Details

Available to residents of Colorado, Florida, Illinois, Indiana, Kentucky, Michigan, Minnesota, Ohio, Pennsylvania, West Virginia, or Wisconsin
Access to over 1,000 branches and 1,600 ATMs
$400 bonus when you open a new Huntington Perks Checking Account by October 7, 2023, have a qualifying direct deposit made to the account within 90 days of account opening and keep your account open for 90 days
$10 monthly maintenance fee waived when you make $1,000 in total monthly deposits OR have $5,000 total in all your Huntington accounts
Free overdraft protection that lets you connect your checking account to another Huntington account
Interest compounded and paid monthly
FDIC insured

Huntington Bank Unlimited Business Checking

Insider’s Rating

A five pointed star

3/5

Fees

$15 monthly service fee

Annual Percentage Yield (APY)

None

Minimum Deposit Amount

None

Pros

Check mark icon
A check mark. It indicates a confirmation of your intended interaction.

No minimum opening deposit

Check mark icon
A check mark. It indicates a confirmation of your intended interaction.

Unlimited monthly debit card transactions

Check mark icon
A check mark. It indicates a confirmation of your intended interaction.

20 free transactions made with checks or a bank teller each month

Check mark icon
A check mark. It indicates a confirmation of your intended interaction.

Possible to waive the monthly service fee

Check mark icon
A check mark. It indicates a confirmation of your intended interaction.

Large free ATM network

Cons

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$15 monthly service fee

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Fee for using out-of-network ATMs

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After the 20-transaction limit, you’ll pay $0.40 per transaction with a bank teller and for checks

Insider’s Take

You may prefer Chase to other banks if you like a nationwide branch and ATM network. Chase is listed in our guides for best national banks, best credit cards, and best mortgage lenders. Other financial institutions pay higher interest rates on savings accounts, though.

Product Details

Around 4,700 branches in 48 US states and Washington, DC
Access to 16,000 free ATMs
To waive the $15 monthly service fee, complete one of the following each month: Maintain a minimum $2,000 daily balance, make $2,000 in net purchases with your Chase Ink Business Card, receive $2,000 in deposits from Chase QuickAccept or other eligible Chase payment solutions transactions, link to a Chase Private Client account, or provide proof that you are a qualifying military member
Deposit $5,000 in cash for free per statement cycle
To earn a $300 bonus, deposit at least $2,000 of new money within 30 days of opening the account, maintain your new money balance in the account for at least 60 days after opening the account, and complete five qualifying transactions within the first 90 day
Member FDIC

TD Bank Beyond Checking Account

Insider’s Rating

A five pointed star

4/5

Fees

$25 monthly service fee

Annual Percentage Yield (APY)

0.01%

Minimum Deposit Amount

Pros

Check mark icon
A check mark. It indicates a confirmation of your intended interaction.

No opening deposit

Check mark icon
A check mark. It indicates a confirmation of your intended interaction.

Free overdraft protection

Check mark icon
A check mark. It indicates a confirmation of your intended interaction.

2 overdraft fee reimbursements per year

Check mark icon
A check mark. It indicates a confirmation of your intended interaction.

Waive other TD Bank account monthly fees when you have a Beyond Checking Account

Check mark icon
A check mark. It indicates a confirmation of your intended interaction.

No out-of-network ATM fees

Check mark icon
A check mark. It indicates a confirmation of your intended interaction.

Reimburses out-of-network ATM fees charged by providers when your balance is at least $2,500

Cons

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$25 monthly service fee

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$35 overdraft fee

Product Details

Earn $300 when you have $2,500 in qualifying direct deposits within 60 days
Access to over 1,100 branch locations
Waive $25 monthly fee with $5,000 in monthly direct deposits, OR $2,500 minimum balance, OR total of $25,000 in all TD Bank accounts
No opening deposit or minimum account balance
Interest compounded daily
FDIC insured

Laurel Road Linked Checking℠

Insider’s Rating

A five pointed star

3.5/5

Fees

no monthly service fee

Annual Percentage Yield (APY)

0.01%

Minimum Deposit Amount

Pros

Check mark icon
A check mark. It indicates a confirmation of your intended interaction.

You may qualify for a $300 bonus

Check mark icon
A check mark. It indicates a confirmation of your intended interaction.

You may qualify for a $20 monthly cash reward for the first year, then a $10 monthly cash reward after the first year

Check mark icon
A check mark. It indicates a confirmation of your intended interaction.

No minimum opening deposit

Check mark icon
A check mark. It indicates a confirmation of your intended interaction.

No monthly service fees

Check mark icon
A check mark. It indicates a confirmation of your intended interaction.

Free overdraft protection if you set up automatic transfers from savings, or cover it with your Laurel Road credit card

Cons

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Two crossed lines that form an ‘X’.

$3 out-of-network ATM fee ($1.50 for checking your account balance, $5 international ATM fee)

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Cannot deposit cash

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$20 overdraft fee

Product Details

Laurel Road is an online brand of KeyBank, N.A.
40,000 free ATMs in the KeyBank and Allpoint networks
To earn the $300 bonus, make a qualifying direct deposit of $2,500 or more within 60 days of opening your account
To earn $20 monthly bonus ($10 after the first year), make $2,500 in qualifying direct deposits for the statement period; money will show up in your account the following statement period
Member FDIC

Wells Fargo Everyday Checking Account

Insider’s Rating

A five pointed star

3.25/5

Fees

$10 monthly service fee

Annual Percentage Yield (APY)

None

Minimum Deposit Amount

$25

Pros

Check mark icon
A check mark. It indicates a confirmation of your intended interaction.

Relatively easy to waive monthly fee

Check mark icon
A check mark. It indicates a confirmation of your intended interaction.

Free overdraft protection available

Check mark icon
A check mark. It indicates a confirmation of your intended interaction.

$25 minimum opening deposit

Cons

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Two crossed lines that form an ‘X’.

$10 monthly service fee

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Two crossed lines that form an ‘X’.

$35 overdraft fee

con icon
Two crossed lines that form an ‘X’.

$2.50 out-of-network ATM fee

Product Details

Approximately 4,700 branches and 12,000 ATMs
$300 bonus with a minimum opening deposit of $25 and receive a total of $1,000 or more in qualifying direct deposits to your new checking account within 90 calendar days of account opening
Waive $10 monthly fee when you have $500 in direct deposits per month, OR maintain minimum balance of $500, OR link account to a Wells Fargo Campus ATM or Campus Debit Card OR are 17-24 years old
FDIC insured

Axos Bank Rewards Checking

Insider’s Rating

A five pointed star

4.25/5

Fees

no monthly service fee

Annual Percentage Yield (APY)

up to 3.30%

Minimum Deposit Amount

$50

Pros

Check mark icon
A check mark. It indicates a confirmation of your intended interaction.

High APY

Check mark icon
A check mark. It indicates a confirmation of your intended interaction.

Unlimited out-of-network ATM reimbursements

Check mark icon
A check mark. It indicates a confirmation of your intended interaction.

No monthly maintenance fees

Check mark icon
A check mark. It indicates a confirmation of your intended interaction.

No overdraft fees

Check mark icon
A check mark. It indicates a confirmation of your intended interaction.

No non-sufficient funds fees

Cons

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$50 opening deposit

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No APY if you can’t meet qualifications

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Few mobile app reviews

Product Details

Use promo code SUNNYBONUS and apply by December 31st, to earn up to a $300 bonus!
Zero monthly maintenance fees
Zero overdraft or NSF fees
Zero minimum monthly balance reqs
Unlimited domestic ATM fee reimbursements
Online debit card management
Simple, 3-step process for direct deposit
Only $50 to open an account

American Express® Rewards Checking Account

Insider’s Rating

A five pointed star

4/5

Fees

no monthly service fee

Annual Percentage Yield (APY)

1.00%

Minimum Deposit Amount

Pros

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Competitive interest rate

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No monthly service fees

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No minimum opening deposit

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Earn Membership Rewards on debit card purchases which may be used for gift cards or travel

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No out-of-network ATM fees

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No overdraft fees

Cons

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Only available to Consumer Card Members who’ve had a Card account for at least 3 months

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You must make a deposit within the first 60 days

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No reimbursements if you’re charged by an out-of-network ATM

Product Details

Only available to Consumer Card Members who’ve had a Card account for at least 3 months
Access to over 37,000 surcharge-free ATMs through the MoneyPass ATM network
Earn 1 Membership Rewards point for each $2 spent on eligible debit card purchases, which can be used to get gift cards or book travel
24/7 account access
Earns interest daily, and posts to account monthly
FDIC insured

SoFi Checking and Savings

Insider’s Rating

A five pointed star

4.25/5

Fees

no monthly service fee

Annual Percentage Yield (APY)

up to 4.50%

Minimum Deposit Amount

Pros

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FDIC insured for $2 million

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High interest rate

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Earn a higher interest rate with qualifying activities

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No minimum opening deposit

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No monthly service fees

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No overdraft fees

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Up to $250 bonus with qualifying direct deposit (terms apply)

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Earn up to 15% cash back at local retailers if you use a SoFi debit card

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No-fee overdraft coverage if you overdraw up to $50

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Savings tools

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Early direct deposit

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Joint account available

Cons

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Declined purchase if you overdraw by more than $50

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Doesn’t reimburse out-of-network ATM providers’ fees

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May deposit cash at Green Dot locations but there’s a $4.95 fee

Product Details

Valley All Access Rewards Checking Account

Insider’s Rating

A five pointed star

3.5/5

Fees

$12 monthly service fee

Annual Percentage Yield (APY)

N/A

Minimum Deposit Amount

$100

Pros

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You may qualify for a $200 bonus

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Possible to waive monthly service fee

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No monthly service fee for the first 3 months your account is open

Cons

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$100 minimum opening deposit

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Only 150 free transactions per month

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$0.50 fee for each monthly transaction after you surpass 150

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$12 monthly service fee

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$3 out-of-network ATM fee

Product Details

Branches in 29 US states and Washington, DC
Around 60,000 free ATMs
Deposit $5,000 in cash for free each month, then $0.30 per $100
No monthly service fee for the first three statement cycles, then $12 with options to waive
Waive the $12 monthly service fee by maintaining a $500 average monthly collected balance, making $500 in eligible purchases on a linked PNC business credit card, or having a PNC Merchant Services®️ account and bring in $500 in qualifying monthly deposits
Earn $200 bonus by opening an account by 9/30/2023, maintaining a $5,000 average ledger balance for the first three statement cycles, and making at least 20 qualifying transactions with your PNC Visa Business Credit Card in the first three statement cycles (only available if your business annual revenue is under $5 million)
Member FDIC

PNC Business Checking Plus

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