Live figures as of October 25, 2026, recalculated daily.

The Bank Bonus Index

Name: Bonus Autopilot Bank Bonus Index
Creator: Bonus Autopilot

In the median state, a worker taking home $2,000 every two weeks could collect about $3,950 in bank sign-up bonuses from accounts opened over the next 12 months, after fees and before taxes. Across the 50 states and D.C. our model ranges from $3,250 (8 states) to $5,575 (Ohio).

These are modeled totals, not typical results. They assume the person opens about 14 accounts in a year, two at a time, meets every requirement on time, is approved everywhere, and hasn't had these accounts before. It also assumes offers with no stated end date stay open all year; they make up about 17% of the median state's total. Bank bonuses are generally taxable income.

$3,950median state, modeled

14accounts in a median plan

44verified offers

37banks, credit unions and money apps

27 bank offers, 16 credit union offers and 1 money app offer (a money app's accounts are held at a partner bank). 13 can be opened online from anywhere in the U.S. Every offer was checked against the bank's own terms page within the last 14 days (oldest check: October 23, 2026).

Every state, highest first

Middle 80% of states: $3,250 to $4,725. Equal totals share a rank (T- means tied).

Rank	State	Modeled total	Accounts	Banks statewide	More in some areas
1	Ohio	$5,575	17	19	1
2	Indiana	$5,025	16	18	2
3	Pennsylvania	$4,975	16	19	2
4	Florida	$4,950	15	18	2
5	West Virginia	$4,850	15	16	1
6	Kentucky	$4,725	15	15	1
7	Michigan	$4,700	15	17	2
T-8	Maryland	$4,575	14	16	1
T-8	Virginia	$4,575	14	16	2
T-10	Alabama	$4,550	15	15	1
T-10	Mississippi	$4,550	15	15	1
T-10	Texas	$4,550	15	15	1
13	Washington, D.C.	$4,375	13	15	1
14	Colorado	$4,300	14	15	1
15	Washington	$4,250	14	17	1
T-16	Illinois	$4,225	14	15	2
T-16	Minnesota	$4,225	14	15	1
T-16	Wisconsin	$4,225	14	15	1
T-19	Arkansas	$4,200	14	14	1
T-19	Georgia	$4,200	14	14	1
T-19	North Carolina	$4,200	14	15	2
T-19	South Carolina	$4,200	14	15	1
T-19	Tennessee	$4,200	14	14	1
T-24	New Jersey	$4,125	14	16	2
T-24	New York	$4,125	14	16	3
26	Louisiana	$3,950	14	14	1
T-27	Connecticut	$3,925	14	15	2
T-27	Maine	$3,925	14	15	1
T-27	Massachusetts	$3,925	14	15	2
T-27	Oregon	$3,925	13	14	2
T-27	Utah	$3,925	13	14	1
T-27	Vermont	$3,925	14	15	1
T-33	Arizona	$3,875	13	13	1
T-33	California	$3,875	13	13	3
T-33	Iowa	$3,875	13	14	1
T-33	Nevada	$3,875	13	13	1
T-33	New Mexico	$3,875	13	13	1
T-38	New Hampshire	$3,750	13	14	2
T-38	Rhode Island	$3,750	13	14	2
40	Missouri	$3,650	13	14	1
41	Delaware	$3,600	12	14	2
T-42	Alaska	$3,425	12	13	1
T-42	Idaho	$3,425	12	13	1
T-44	Hawaii	$3,250	11	12	1
T-44	Kansas	$3,250	11	13	1
T-44	Montana	$3,250	11	12	1
T-44	Nebraska	$3,250	11	13	1
T-44	North Dakota	$3,250	11	12	1
T-44	Oklahoma	$3,250	11	12	1
T-44	South Dakota	$3,250	11	12	1
T-44	Wyoming	$3,250	11	12	1

Modeled total: bonuses from accounts opened over the next 12 months, after monthly fees, before taxes. Accounts: how many accounts that takes. Banks statewide: banks with at least one verified offer anyone in the state can open online. More in some areas: banks whose offer is limited to certain counties, to branch visits, or (by the bank's own warning) to its branch areas. The last two columns show on wider screens and in the CSV.

Download the live state table (CSV)

The largest bonuses on offer

Headline amounts, ranked by the most a bank pays. Under each amount: what our $2,000-paycheck plans actually net from it, or what it costs to qualify.

Bank	Bonus	To qualify	Where
BMO Smart Advantage Checking	$600 Full amount in our $2,000-paycheck plans	Full amount in our $2,000-paycheck plans$1,000+ in direct deposits each month for 6 months, starting the month after you open (the bonus pays $100 a month)	14 states Open by December 15, 2026
Huntington Platinum Perks Checking	$600 Ties up $25,000 (about $493 of lost interest at 4%)	Ties up $25,000 (about $493 of lost interest at 4%)$25,000 deposited within 90 days, kept 90 days	21 states Open by January 15, 2027
Peoples Bank Premier Checking	$600 Nets about $460 in our $2,000-paycheck plans	Nets about $460 in our $2,000-paycheck plansAt least one direct deposit in each of the first 6 monthly cycles + 5 debit purchases in every monthly cycle (6 cycles) + turn on e-statements	6 states No end date stated
Bank of America Advantage Banking (Plus, SafeBalance, or Relationship)	$100 to $500 Nets about $240 in our $2,000-paycheck plans ($40 to $440 by state)	Nets about $240 in our $2,000-paycheck plans ($40 to $440 by state)$100 to $500, depending on $2,000 to $10,000 in direct deposits within 90 days	Nationwide Open by January 31, 2027
KCCU Personal Checking or eChecking (new membership)	$500 Full amount in our $2,000-paycheck plans	Full amount in our $2,000-paycheck plans2 direct deposits of $500+ each ($1,000 total) within 60 days + 8 debit purchases within 60 days + turn on e-statements	Michigan No end date stated
Truist Truist One Checking	$500 Full amount in our $2,000-paycheck plans	Full amount in our $2,000-paycheck plans2 direct deposits ($2,000 total) within 120 days + 20 debit purchases within 120 days	18 states Open by February 2, 2027
WSECU Cash Back Checking (new membership)	$500 Full amount in our $2,000-paycheck plans	Full amount in our $2,000-paycheck plans$1,000+ in direct deposits each month for your first 3 months + 25 debit purchases within 90 days	Washington Open by December 31, 2026
U.S. Bank U.S. Bank Smartly Checking	$250 to $450 Nets about $326 in our $2,000-paycheck plans ($326 to $438 by state)	Nets about $326 in our $2,000-paycheck plans ($326 to $438 by state)$250 to $450, depending on $2,000 to $8,000 in direct deposits (at least 2) within 90 days	Nationwide, but the bank says it may be limited to its branch areas Open by November 10, 2026

The quickest to pay, counted from opening

Days from opening the account to the bank's latest payout date, in the median state plan that uses the offer. That includes about a week to set up your payroll split and the wait for your next payday, plus the bank's own payout window (banks sometimes state it in business days; we convert to calendar days).

Bank	Bonus	To qualify	Where
Chime Chime Checking	$200 Full amount in our $2,000-paycheck plans	Full amount in our $2,000-paycheck plansA $500+ direct deposit within 34 days Paid within about 14 days of opening	Nationwide Open by January 31, 2027
Chase Chase Total Checking	$400 Full amount in our $2,000-paycheck plans	Full amount in our $2,000-paycheck plans$1,000 in direct deposits within 90 days Paid within about 20 days of opening	Nationwide Open by January 27, 2027
Truist Truist One Checking	$500 Full amount in our $2,000-paycheck plans	Full amount in our $2,000-paycheck plans2 direct deposits ($2,000 total) within 120 days + 20 debit purchases within 120 days Paid within about 35 days of opening	18 states Open by February 2, 2027
Wells Fargo Everyday Checking	$325 Full amount in our $2,000-paycheck plans	Full amount in our $2,000-paycheck plans$1,000 in direct deposits within 90 days + $25 to open Paid within about 37 days of opening	Nationwide Open by January 13, 2027
SoFi SoFi Checking and Savings	$50 to $400 Nets about $50 in our $2,000-paycheck plans	Nets about $50 in our $2,000-paycheck plans$50 to $400, depending on $1,000 to $5,000 in direct deposits within 25 days of your first deposit Paid within about 41 days of opening	Nationwide Open by December 31, 2027
Red Canoe Credit Union Elevate Checking (new membership)	$150 Full amount in our $2,000-paycheck plans	Full amount in our $2,000-paycheck plans10 debit purchases within 45 days + turn on e-statements Paid within about 60 days of opening	Washington, plus some areas: 5 counties in Oregon Open by December 31, 2026

No direct deposit needed

These need money you leave in place, or card purchases, instead of a paycheck. Our state totals assume no spare savings, so they leave out offers that need a deposit to hold.

Bank	Bonus	To qualify	Where
Huntington Platinum Perks Checking	$600 Ties up $25,000 (about $493 of lost interest at 4%)	Ties up $25,000 (about $493 of lost interest at 4%)$25,000 deposited within 90 days, kept 90 days Not counted in the state totals	21 states Open by January 15, 2027
Capital One 360 Performance Savings	$300 Ties up $20,000 (about $230 of lost interest at 4%)	Ties up $20,000 (about $230 of lost interest at 4%)$20,000 deposited within 15 days, kept 90 days Not counted in the state totals	Nationwide No end date stated
Chase Chase Savings	$200 Ties up $15,000 (about $197 of lost interest at 4%)	Ties up $15,000 (about $197 of lost interest at 4%)$15,000 deposited within 30 days, kept 90 days Not counted in the state totals	Nationwide Open by January 27, 2027
Red Canoe Credit Union Elevate Checking (new membership)	$150 Full amount in our $2,000-paycheck plans	Full amount in our $2,000-paycheck plans10 debit purchases within 45 days + turn on e-statements Counted in the state totals	Washington, plus some areas: 5 counties in Oregon Open by December 31, 2026
Bank of Hawaii Regular Savings	$75 Ties up $5,000 (about $49 of lost interest at 4%)	Ties up $5,000 (about $49 of lost interest at 4%)$5,000 deposited within 30 days, kept 60 days Not counted in the state totals	50 states No end date stated

How we calculate it

Offers: personal checking and savings bonuses only. Each field (amount, requirements, deadlines, fees, who can apply) is read from the bank's own terms page, never from a third-party list. Offers not re-checked within 14 days are left out automatically. No brokerage, credit card or business offers.
The paycheck: the median full-time worker earns $1,232 a week before taxes (Bureau of Labor Statistics, third quarter of 2026), about $2,460 every two weeks. After taxes that's roughly $2,000, the take-home pay we model.
The first paycheck: the first Friday after the as-of date (the quiz assumes the same when you don't give a payday), then every two weeks.
The modeled person: can split each paycheck between two accounts, has no spare savings to park (beyond an opening deposit of up to $500), doesn't give a ZIP code (so offers limited to certain counties aren't counted), won't visit a branch, has never had an account at any of these banks, and will make debit card purchases when an offer asks.
The plan: our plan engine schedules bonuses two at a time over 12 months, with offers that need no direct deposit alongside. It follows each bank's deposit rules and deadlines, allows one bonus per bank, and subtracts monthly fees the paycheck can't waive. It assumes today's offers stay open until their stated end date, and offers with no end date stay open all year. New offers that appear later aren't counted. Some payouts from accounts opened late in the 12 months land after it ends. Totals are rounded down to the nearest $25.
Where a bank's page lists no state limits, we count the offer everywhere and tell readers to confirm when they apply. U.S. Bank's offer (open until November 10, 2026) counts in the state totals, though the bank says it may only be available near its branches; we count it under "More in some areas".
Not included: taxes, interest, and offers that need a branch visit or are open only in certain counties of a state.
Independence: we take no money from banks and use no affiliate or referral links.

How we verify every offer

For reporters

You're welcome to use these numbers with credit. These are live figures that change as offers open and close, so please cite the date: "Bonus Autopilot Bank Bonus Index, October 25, 2026". For a number that won't change, cite a frozen monthly edition, published on the 1st of each month. State-by-state data is in the CSV. Questions or a custom cut (another paycheck size, a single state): hello@bonusautopilot.com.

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