Offers checked October 23 to 25, 2026
For someone paid once a month, taking home about $4,300 (the same yearly pay as $2,000 every two weeks), our model projects about $3,600 in bonuses from accounts opened over the next 12 months in the median state. In the middle 80% of states it runs $3,075 to $4,175.
Modeled for accounts opened over the next 12 months, after fees, before taxes. The person can split each paycheck between two accounts and has no spare savings to park (beyond an opening deposit of up to $500). 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.
One paycheck a month means fewer chances to hit a deposit count, so the order matters. Offers that ask for a single deposit, or a total one paycheck covers, are the easiest. Offers that need two or more deposits within a short window are the hardest.
| Bank | Bonus | To qualify | Where |
|---|---|---|---|
| BMO Smart Advantage Checking | $600 Full amount in our plans for this paycheck. 6 deposits of $1,000, done about 186 days after opening. | Full amount in our plans for this paycheck. 6 deposits of $1,000, done about 186 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 Our plans for this paycheck net about $460, after about $140 of monthly fees while it stays open until the payout. 6 deposits of $100, done about 160 days after opening. | Our plans for this paycheck net about $460, after about $140 of monthly fees while it stays open until the payout. 6 deposits of $100, done about 160 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 Our plans for this paycheck net about $240 ($40 to $240 by state), after about $60 of monthly fees while it stays open until the payout. 2 deposits of $2,500, done about 68 days after opening. | Our plans for this paycheck net about $240 ($40 to $240 by state), after about $60 of monthly fees while it stays open until the payout. 2 deposits of $2,500, done about 68 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 Full amount in our plans for this paycheck. 2 deposits of $500, done about 37 days after opening. | Full amount in our plans for this paycheck. 2 deposits of $500, done about 37 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 Full amount in our plans for this paycheck. 2 deposits of $1,000, done about 36 days after opening. | Full amount in our plans for this paycheck. 2 deposits of $1,000, done about 36 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 |
| U.S. Bank U.S. Bank Smartly Checking | $250 to $450 Our plans for this paycheck net about $438, after about $12 of monthly fees while it stays open until the payout. 2 deposits of $4,000, done about 67 days after opening. | Our plans for this paycheck net about $438, after about $12 of monthly fees while it stays open until the payout. 2 deposits of $4,000, done about 67 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 Full amount in our plans for this paycheck. 1 deposit of $1,000, done about 7 days after opening. | Full amount in our plans for this 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 |
| Huntington Perks Checking | $400 Our plans for this paycheck net about $370, after about $30 of monthly fees while it stays open until the payout. 1 deposit of $500, done about 5 days after opening. | Our plans for this paycheck net about $370, after about $30 of monthly fees while it stays open until the payout. 1 deposit of $500, done about 5 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 Full amount in our plans for this paycheck. 2 deposits of $1,500, done about 64 days after opening. | Full amount in our plans for this paycheck. 2 deposits of $1,500, done about 64 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 Full amount in our plans for this paycheck. 1 deposit of $1,000, done about 7 days after opening. | Full amount in our plans for this 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 |
| PNC Virtual Wallet with Performance Select | $400 Our plans for this paycheck net about $300, after about $100 of monthly fees while it stays open until the payout. 2 deposits of $2,500, done about 38 days after opening. | Our plans for this paycheck net about $300, after about $100 of monthly fees while it stays open until the payout. 2 deposits of $2,500, done about 38 days after opening.$5,000 in direct deposits within 60 days Monthly fee: $25 a month, waived with $5,000+ in direct deposits a month | New Jersey, Pennsylvania Open by January 7, 2027 |
| SoFi SoFi Checking and Savings | $50 to $400 Our plans for this paycheck net about $50. 1 deposit of $1,000, done about 7 days after opening. | Our plans for this 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 Full amount in our plans for this paycheck. 1 deposit of $500, done about 7 days after opening. | Full amount in our plans for this 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 Full amount in our plans for this paycheck. 2 deposits of $50, done about 38 days after opening. | Full amount in our plans for this paycheck. 2 deposits of $50, done about 38 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 Full amount in our plans for this paycheck. 2 deposits of $350, done about 67 days after opening. | Full amount in our plans for this paycheck. 2 deposits of $350, done about 67 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 Full amount in our plans for this paycheck. 1 deposit of $1,000, done about 7 days after opening. | Full amount in our plans for this 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 Our plans for this paycheck net about $210, after about $90 of monthly fees while it stays open until the payout. 2 deposits of $1,750, done about 40 days after opening. | Our plans for this paycheck net about $210, after about $90 of monthly fees while it stays open until the payout. 2 deposits of $1,750, done about 40 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 Full amount in our plans for this paycheck. 1 deposit of $2,000, done about 70 days after opening. | Full amount in our plans for this paycheck. 1 deposit of $2,000, done about 70 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 Full amount in our plans for this paycheck. 1 deposit of $2,000, done about 7 days after opening. | Full amount in our plans for this paycheck. 1 deposit of $2,000, done about 7 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 Full amount in our plans for this paycheck. 2 deposits of $500, done about 97 days after opening. | Full amount in our plans for this paycheck. 2 deposits of $500, done about 97 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 Full amount in our plans for this paycheck. 1 deposit of $250, done about 5 days after opening. | Full amount in our plans for this paycheck. 1 deposit of $250, done about 5 days after opening.A $250+ direct deposit within 60 days Monthly fee: None | Nationwide Open by November 30, 2026 |
| Webster Bank Premium Checking | $300 Our plans for this 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. | Our plans for this 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 Full amount in our plans for this paycheck. 3 deposits of $400, done about 69 days after opening. | Full amount in our plans for this paycheck. 3 deposits of $400, done about 69 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 Full amount in our plans for this paycheck. 2 deposits of $500, done about 35 days after opening. | Full amount in our plans for this paycheck. 2 deposits of $500, done about 35 days after opening.2 direct deposits of $500+ each ($1,000 total) within 75 days Monthly fee: None | Nationwide No end date stated |
| Red Canoe Credit Union Elevate Checking (new membership) | $150 Full amount in our plans for this paycheck. | Full amount in our plans for this 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.
Massachusetts is a median state for this page. Here's the plan our engine builds there for someone paid $4,300 once a month. Your own plan depends on your pay dates and the banks you've used.
| Bank | Open | Paid by | Nets |
|---|---|---|---|
| Chase | Oct 25 | Nov 14 | $400 |
| Unitus Community Credit Union | Oct 25 | Dec 29 | $300 |
| KeyBank | Nov 23 | Jan 29, 2027 | $300 |
| FourLeaf FCU | Nov 23 | Jan 29, 2027 | $350 |
| Wells Fargo | Dec 24 | Jan 30, 2027 | $325 |
| Morgan Stanley Private Bank | Dec 24 | Apr 23, 2027 | $400 |
| PSECU | Dec 24 | May 18, 2027 | $300 |
| Bank of America | Jan 22, 2027 | Jun 21, 2027 | $240 |
| Webster Bank | Mar 24, 2027 | Jul 23, 2027 | $240 |
| Bank of Hawaii | Apr 23, 2027 | Aug 21, 2027 | $210 |
| Capital One | Apr 23, 2027 | Sep 5, 2027 | $250 |
| SoFi | Jun 23, 2027 | Aug 3, 2027 | $50 |
| California Credit Union | Jun 23, 2027 | Oct 7, 2027 | $250 |
| Total (13 accounts) | $3,600 |
These work with this paycheck too. Our plans picked others that pay more for the same paychecks, or this bank's area doesn't match the sample states. Your own plan may include them.
Yes. Many offers need one direct deposit, or a total a single monthly paycheck covers, within 60 to 90 days. Offers that need two or more separate deposits in a short window are harder, because you only get one chance a month.
Usually not. Most payroll systems let you split your pay, so you can send just the amount a bank asks for to the new account and keep the rest where it is.
Payroll usually pays the business day before. Plan around that date, because a deposit that lands a day late can miss a deadline.