A bank bonus is a one-time cash reward for opening an account and meeting written rules—usually direct deposit and a minimum balance period. Amounts change. Read the official promo page; this is not a list of live offers.
Bank bonuses (also called bank promotions or sign-up bonuses) are one-time cash rewards for opening a new checking or savings account. In 2025, checking account bonuses can range from about $100 to $3,000, depending on the bank and how much you deposit. Savings account bonuses are also available. To qualify, you typically need to set up direct deposit and keep the account open for a set period.
How Bank Bonuses Work
Banks use these promotions to attract new customers. You open a new account through the bank's offer page, meet the requirements (often a minimum direct deposit amount within 60–90 days), and receive the bonus—usually within 30–90 days after qualifying. Requirements and expiration dates vary; always read the full terms before signing up.
Best Checking Account Bonuses (2025)
Top checking bonuses currently include offers from major and online banks. Amounts and requirements change often; check each bank's official promo page for the latest details.
Best Savings Account Bonuses
Savings bonuses reward you for depositing and maintaining a balance. E*TRADE Premium Savings has offered up to $2,000 with tiered deposit amounts. TD Bank and Alliant Credit Union have offered $100–$200 savings bonuses. Compare bonus size, APY, and how long you must keep funds in the account.
Are Bank Bonuses Worth It?
Bank bonuses can be worth it if the reward is meaningful and you can meet the requirements without incurring fees or locking away more money than you're comfortable with. Consider monthly fees, minimum balances, and how long the bonus takes to post. Bank bonuses are generally taxable as interest, so you'll receive a 1099-INT for the year you earn them.
Earn Extra Money Online with Earnne — No Deposit Required
Want to boost your income without moving money between banks? Earnne pays you for taking surveys, playing games, watching videos, reading books, and completing short courses. No minimum deposit, no direct deposit requirement—just sign up free and start earning. Payouts from $10, zero withdrawal fees, and fast processing.
- $10 minimum payout — reach your first cash-out quickly.
- Zero fees — keep 100% of what you earn.
- Multiple ways to earn — surveys, games, videos, books, courses.
- Available in 50+ countries — join from almost anywhere.
Ready to Start Earning?
Join Earnne free — no deposit, no risk. Get paid for surveys, games, videos, and more.
Get Started FreeOfficial sources
Primary policies and scam warnings. Re-read them — rules move.
- Earnne Terms of Service, §2.1 Age — Users must be at least 18 unless Earnne expressly offers a different arrangement in the Service.
- FTC: job scams — How fake job ads, fees, and “easy money” pitches work.
- FBI: money mules — Receiving money and forwarding it for a cut is a crime pattern, not a gig.
- 12 red flags of fake earning apps — Earnne checklist for unlock fees, fake support, and moving payouts.