Offers checked October 23 to 25, 2026
For two people in one household, each taking home $2,000 every two weeks, our model projects about $7,850 together in bonuses from accounts opened over the next 12 months in the median state. In the middle 80% of states it runs $6,500 to $9,450. In most states that's exactly double one person's plan; banks that pay one bonus per household make the difference in the rest.
Modeled for accounts opened over the next 12 months, after fees, before taxes. Each person opens accounts in their own name and sends part of each of their own paychecks to two new accounts at a time. Neither has spare savings to park (beyond an opening deposit of up to $500). A bank that pays one bonus per household goes to one of them only. It also assumes every requirement is met on time and no prior accounts at these banks. Your own number depends on your pay, state and the banks you've already used.
Banks pay most new-account bonuses per person, not per household. So two people with two paychecks can usually each collect the same bonuses, each with their own account and their own direct deposit. A few banks pay only one bonus per household; those go to one of you.
| Bank | Bonus | To qualify | Where |
|---|---|---|---|
| BMO Smart Advantage Checking | $600 Each of you can get it. Full amount in our plans for each paycheck. 12 deposits of $500, done about 203 days after opening. | Each of you can get it. Full amount in our plans for each paycheck. 12 deposits of $500, done about 203 days after opening.$1,000+ in direct deposits each month for 6 months, starting the month after you open (the bonus pays $100 a month) Monthly fee: None | 14 states Open by December 15, 2026 |
| Peoples Bank Premier Checking | $600 Each of you can get it. Our plans for each paycheck net about $460, after about $140 of monthly fees while it stays open until the payout. 11 deposits, done about 161 days after opening. | Each of you can get it. Our plans for each paycheck net about $460, after about $140 of monthly fees while it stays open until the payout. 11 deposits, done about 161 days after opening.At 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 Monthly fee: $20 a month | 6 states No end date stated |
| Bank of America Advantage Banking (Plus, SafeBalance, or Relationship) | $100 to $500 Each of you can get it. Our plans for each paycheck net about $240 ($40 to $440 by state), after about $60 of monthly fees while it stays open until the payout. 4 deposits of $1,250, done about 77 days after opening. | Each of you can get it. Our plans for each paycheck net about $240 ($40 to $440 by state), after about $60 of monthly fees while it stays open until the payout. 4 deposits of $1,250, done about 77 days after opening.$100 to $500, depending on $2,000 to $10,000 in direct deposits within 90 days Monthly fee: $12 a month | Nationwide Open by January 31, 2027 |
| KCCU Personal Checking or eChecking (new membership) | $500 Each of you can get it. Full amount in our plans for each paycheck. 2 deposits of $500, done about 21 days after opening. | Each of you can get it. Full amount in our plans for each paycheck. 2 deposits of $500, done about 21 days after opening.2 direct deposits of $500+ each ($1,000 total) within 60 days + 8 debit purchases within 60 days + turn on e-statements Monthly fee: None | Michigan No end date stated |
| Truist Truist One Checking | $500 Each of you can get it. Full amount in our plans for each paycheck. 2 deposits of $1,000, done about 21 days after opening. | Each of you can get it. Full amount in our plans for each paycheck. 2 deposits of $1,000, done about 21 days after opening.2 direct deposits ($2,000 total) within 120 days + 20 debit purchases within 120 days Monthly fee: $12 a month, waived with $500+ in direct deposits a month | 18 states Open by February 2, 2027 |
| WSECU Cash Back Checking (new membership) | $500 Each of you can get it. Full amount in our plans for each paycheck. 6 deposits of $500, done about 77 days after opening. | Each of you can get it. Full amount in our plans for each paycheck. 6 deposits of $500, done about 77 days after opening.$1,000+ in direct deposits each month for your first 3 months + 25 debit purchases within 90 days Monthly fee: None | Washington Open by December 31, 2026 |
| U.S. Bank U.S. Bank Smartly Checking | $250 to $450 Each of you can get it. Our plans for each paycheck net about $326 ($326 to $438 by state), after about $24 of monthly fees while it stays open until the payout. 5 deposits of $1,000, done about 77 days after opening. | Each of you can get it. Our plans for each paycheck net about $326 ($326 to $438 by state), after about $24 of monthly fees while it stays open until the payout. 5 deposits of $1,000, done about 77 days after opening.$250 to $450, depending on $2,000 to $8,000 in direct deposits (at least 2) within 90 days Monthly fee: $12 a month, waived with $1,500+ in direct deposits a month | Nationwide, but the bank says it may be limited to its branch areas Open by November 10, 2026 |
| Chase Chase Total Checking | $400 Each of you can get it. Full amount in our plans for each paycheck. 1 deposit of $1,000, done about 7 days after opening. | Each of you can get it. Full amount in our plans for each paycheck. 1 deposit of $1,000, done about 7 days after opening.$1,000 in direct deposits within 90 days Monthly fee: $15 a month, waived with $500+ in direct deposits a month | Nationwide Open by January 27, 2027 |
| Flagstar Bank Ready Checking | $400 One bonus per household, so one of you. Our plans for this paycheck net about $370 ($360 to $370 by state), after about $30 of monthly fees while it stays open until the payout. 6 deposits of $250, done about 77 days after opening. | One bonus per household, so one of you. Our plans for this paycheck net about $370 ($360 to $370 by state), after about $30 of monthly fees while it stays open until the payout. 6 deposits of $250, done about 77 days after opening.$500+ in direct deposits in each of the first three 30-day periods after opening Monthly fee: $10 a month, waived with $500+ in direct deposits a month | Florida, Michigan, Ohio No end date stated |
| Huntington Perks Checking | $400 Each of you can get it. Our plans for each paycheck net about $370, after about $30 of monthly fees while it stays open until the payout. 1 deposit of $500, done about 4 days after opening. | Each of you can get it. Our plans for each paycheck net about $370, after about $30 of monthly fees while it stays open until the payout. 1 deposit of $500, done about 4 days after opening.$500 in direct deposits within 90 days Monthly fee: $10 a month, waived with $1,000+ in direct deposits a month | 21 states Open by January 15, 2027 |
| Morgan Stanley Private Bank Max-Rate Checking (opened at E*TRADE) | $400 Each of you can get it. Full amount in our plans for each paycheck. 2 deposits of $1,500, done about 49 days after opening. | Each of you can get it. Full amount in our plans for each paycheck. 2 deposits of $1,500, done about 49 days after opening.2 direct deposits of $1,500+ each ($3,000 total) within 90 days Monthly fee: None | Nationwide Open by January 10, 2027 |
| Northwest Bank Affinity Checking | $400 Each of you can get it. Full amount in our plans for each paycheck. 1 deposit of $1,000, done about 7 days after opening. | Each of you can get it. Full amount in our plans for each paycheck. 1 deposit of $1,000, done about 7 days after opening.A $1,000+ direct deposit within 90 days Monthly fee: None | Pennsylvania, New York, Ohio, Indiana Open by December 31, 2026 |
| SoFi SoFi Checking and Savings | $50 to $400 Each of you can get it. Our plans for each paycheck net about $50. 1 deposit of $1,000, done about 7 days after opening. | Each of you can get it. Our plans for each paycheck net about $50. 1 deposit of $1,000, done about 7 days after opening.$50 to $400, depending on $1,000 to $5,000 in direct deposits within 25 days of your first deposit Monthly fee: None | Nationwide Open by December 31, 2027 |
| FourLeaf FCU FourLeaf Free Checking | $350 Each of you can get it. Full amount in our plans for each paycheck. 1 deposit of $500, done about 7 days after opening. | Each of you can get it. Full amount in our plans for each paycheck. 1 deposit of $500, done about 7 days after opening.A $500+ direct deposit within 90 days Monthly fee: None | Nationwide Open by December 31, 2026 |
| SECU (Maryland) SECU Total Checking | $350 Each of you can get it. Full amount in our plans for each paycheck. 2 deposits of $50, done about 21 days after opening. | Each of you can get it. Full amount in our plans for each paycheck. 2 deposits of $50, done about 21 days after opening.2 direct deposits (any amount) within 90 days + turn on e-statements Monthly fee: None | 6 states Open by December 31, 2026 |
| Kitsap Credit Union Peak Account | $330 Each of you can get it. Full amount in our plans for each paycheck. 2 deposits of $350, done about 21 days after opening. | Each of you can get it. Full amount in our plans for each paycheck. 2 deposits of $350, done about 21 days after opening.2 direct deposits of $331+ each ($662 total) within 90 days + turn on e-statements Monthly fee: None | Washington Open by December 16, 2026 |
| Wells Fargo Everyday Checking | $325 Each of you can get it. Full amount in our plans for each paycheck. 1 deposit of $1,000, done about 7 days after opening. | Each of you can get it. Full amount in our plans for each paycheck. 1 deposit of $1,000, done about 7 days after opening.$1,000 in direct deposits within 90 days + $25 to open Monthly fee: $15 a month, waived with $500+ in direct deposits a month | Nationwide Open by January 13, 2027 |
| Bank of Hawaii Bankohana Level I Checking | $300 Each of you can get it. Our plans for each paycheck net about $210, after about $90 of monthly fees while it stays open until the payout. 4 deposits of $900, done about 49 days after opening. | Each of you can get it. Our plans for each paycheck net about $210, after about $90 of monthly fees while it stays open until the payout. 4 deposits of $900, done about 49 days after opening.$3,500 in direct deposits within 60 days + $500 to open Monthly fee: $15 a month | 50 states No end date stated |
| Hancock Whitney Freestyle Checking | $300 One bonus per household, so one of you. Full amount in our plans for this paycheck. 4 deposits of $500, done about 49 days after opening. | One bonus per household, so one of you. Full amount in our plans for this paycheck. 4 deposits of $500, done about 49 days after opening.$2,000 in direct deposits within 90 days Monthly fee: $10 a month, waived with one transaction a cycle | 5 states Open by February 28, 2027 |
| KeyBank Key Smart Checking | $300 Each of you can get it. Full amount in our plans for each paycheck. 2 deposits of $1,000, done about 21 days after opening. | Each of you can get it. Full amount in our plans for each paycheck. 2 deposits of $1,000, done about 21 days after opening.$2,000 in direct deposits within 90 days Monthly fee: None | 15 states Open by December 11, 2026 |
| PSECU Checking and Savings (new membership) | $300 Each of you can get it. Full amount in our plans for each paycheck. 2 deposits of $500, done about 36 days after opening. | Each of you can get it. Full amount in our plans for each paycheck. 2 deposits of $500, done about 36 days after opening.2 direct deposits of $500+ each ($1,000 total) within 100 days Monthly fee: None | Nationwide Open by December 31, 2026 |
| Unitus Community Credit Union Unitus Checking (new membership) | $300 Each of you can get it. Full amount in our plans for each paycheck. 1 deposit of $250, done about 4 days after opening. | Each of you can get it. Full amount in our plans for each paycheck. 1 deposit of $250, done about 4 days after opening.A $250+ direct deposit within 60 days Monthly fee: None | Nationwide Open by November 30, 2026 |
| Webster Bank Premium Checking | $300 Each of you can get it. Our plans for each paycheck net about $240, after about $60 of monthly fees while it stays open until the payout. 1 deposit of $500, done about 7 days after opening. | Each of you can get it. Our plans for each paycheck net about $240, after about $60 of monthly fees while it stays open until the payout. 1 deposit of $500, done about 7 days after opening.$500 in direct deposits within 90 days Monthly fee: $15 a month | 8 states No end date stated |
| California Credit Union eChecking (new membership) | $250 Each of you can get it. Full amount in our plans for each paycheck. 5 deposits, done about 63 days after opening. | Each of you can get it. Full amount in our plans for each paycheck. 5 deposits, done about 63 days after opening.$400+ in direct deposits in each of 3 months in a row + $251 to open + turn on e-statements Monthly fee: None | Nationwide No end date stated |
| Capital One Capital One 360 Checking | $250 Each of you can get it. Full amount in our plans for each paycheck. 2 deposits of $500, done about 21 days after opening. | Each of you can get it. Full amount in our plans for each paycheck. 2 deposits of $500, done about 21 days after opening.2 direct deposits of $500+ each ($1,000 total) within 75 days Monthly fee: None | Nationwide No end date stated |
| Chime Chime Checking | $200 Each of you can get it. Full amount in our plans for each paycheck. 1 deposit of $500, done about 7 days after opening. | Each of you can get it. Full amount in our plans for each paycheck. 1 deposit of $500, done about 7 days after opening.A $500+ direct deposit within 34 days Monthly fee: None | Nationwide Open by January 31, 2027 |
| Red Canoe Credit Union Elevate Checking (new membership) | $150 Each of you can get it. Full amount in our plans for each paycheck. | Each of you can get it. Full amount in our plans for each paycheck.10 debit purchases within 45 days + turn on e-statements Monthly fee: None | Washington, plus some areas: 5 counties in Oregon Open by December 31, 2026 |
Every offer is checked against the bank's own terms within the last 14 days. Bank bonuses are generally taxable income.
In 44 of 51 states (D.C. counts as one), the second person's plan is the same as the first person's, so two paychecks collect exactly double. In Alabama, Florida, Louisiana, Michigan, Mississippi, Ohio and Texas, a bank that pays one bonus per household is in the plan, so the second plan is about $300 to $575 lower than the first.
Louisiana has a bank that pays one bonus per household, so the two plans differ here. Here are the plans our engine builds there for two people, each taking home $2,000 every two weeks, together about $7,600. Your own plans depend on your pay dates and the banks you've used.
| Bank | Open | Paid by | Nets |
|---|---|---|---|
| Huntington | Oct 26 | Feb 7, 2027 | $370 |
| Unitus Community Credit Union | Oct 26 | Dec 29 | $300 |
| FourLeaf FCU | Nov 6 | Jan 12, 2027 | $350 |
| Chase | Nov 6 | Nov 28 | $400 |
| U.S. Bank | Nov 6 | Feb 21, 2027 | $438 |
| PSECU | Nov 20 | Apr 14, 2027 | $300 |
| Morgan Stanley Private Bank | Jan 1, 2027 | May 1, 2027 | $400 |
| Wells Fargo | Jan 1, 2027 | Apr 4, 2027 | $295 |
| Bank of America | Jan 29, 2027 | Jun 28, 2027 | $40 |
| Hancock Whitney | Feb 26, 2027 | Jul 11, 2027 | $300 |
| Capital One | Apr 23, 2027 | Sep 5, 2027 | $250 |
| California Credit Union | Apr 23, 2027 | Aug 1, 2027 | $250 |
| Bank of Hawaii | May 21, 2027 | Sep 18, 2027 | $210 |
| SoFi | Jul 2, 2027 | Aug 12, 2027 | $50 |
| Total (14 accounts) | $3,950 |
The same banks as the first person's, except: no Hancock Whitney ($300, one bonus per household). The dates shift a little around the change.
| Bank | Open | Paid by | Nets |
|---|---|---|---|
| Huntington | Oct 26 | Feb 7, 2027 | $370 |
| Unitus Community Credit Union | Oct 26 | Dec 29 | $300 |
| FourLeaf FCU | Nov 6 | Jan 12, 2027 | $350 |
| Chase | Nov 6 | Nov 28 | $400 |
| U.S. Bank | Nov 6 | Feb 21, 2027 | $438 |
| PSECU | Nov 20 | Apr 14, 2027 | $300 |
| Morgan Stanley Private Bank | Jan 1, 2027 | May 1, 2027 | $400 |
| Wells Fargo | Jan 1, 2027 | Apr 4, 2027 | $295 |
| Bank of America | Jan 29, 2027 | Jun 28, 2027 | $40 |
| Capital One | Mar 12, 2027 | Jul 25, 2027 | $250 |
| California Credit Union | Apr 9, 2027 | Aug 1, 2027 | $250 |
| Bank of Hawaii | Apr 23, 2027 | Aug 21, 2027 | $210 |
| SoFi | Jun 18, 2027 | Jul 29, 2027 | $50 |
| Total (13 accounts) | $3,650 |
Usually yes. Most banks pay one bonus per person, so each of you opens your own account and sends your own paycheck there. A few banks pay one bonus per household, listed on this page. Each bank's own terms say which rule it uses.
Usually not. A joint account normally earns one bonus, for one account. Two separate accounts, each with that person's own direct deposit, usually earn two.
Usually not. The deposit has to come from payroll or a government benefit, and most banks don't count a transfer from another person. A few banks count any ACH transfer; their bank pages here quote that.
Household is $75 a year for two people. Each of you gets your own plan, built around your own paycheck, with your own steps and reminders. The banks that pay one bonus per household go in the plan of the person who bought it, and the second person's plan works around them, so you don't both open one.
Yes. Each bonus is income to the person who owns the account, usually reported on a 1099-INT or 1099-MISC. If you file jointly, they all go on the same return.