Offers checked October 23 to 25, 2026
For someone taking home $2,000 every two weeks, using only offers that need $1,000 or less in direct deposits, our model projects about $2,475 in bonuses over a year in the median state. In the middle 80% of states it runs $2,125 to $2,750.
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.
These offers need $1,000 or less in total direct deposits and no savings parked in the account, so one or two paychecks (or part of them) usually cover the requirement. For offers that pay more with more deposits, we show what $1,000 earns.
| Bank | Bonus | To qualify | Where |
|---|---|---|---|
| KCCU Personal Checking or eChecking (new membership) | $500 Full amount in our plans for this paycheck. 2 deposits of $500, done about 21 days after opening. | Full amount in our plans for this 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 |
| 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 |
| 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 |
| 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 21 days after opening. | Full amount in our plans for this 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 Full amount in our plans for this paycheck. 2 deposits of $350, done about 21 days after opening. | Full amount in our plans for this 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 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 |
| PSECU Checking and Savings (new membership) | $300 Full amount in our plans for this paycheck. 2 deposits of $500, done about 21 days after opening. | Full amount in our plans for this paycheck. 2 deposits of $500, done about 21 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 |
| Capital One Capital One 360 Checking | $250 Full amount in our plans for this paycheck. 2 deposits of $500, done about 22 days after opening. | Full amount in our plans for this paycheck. 2 deposits of $500, done about 22 days after opening.2 direct deposits of $500+ each ($1,000 total) within 75 days Monthly fee: None | Nationwide No end date stated |
| Everwise Credit Union Simply Checking | $250 Only in some areas, so not in these totals | Only in some areas, so not in these totals$500 in deposits within 60 days (ACH transfers count) + 10 debit purchases within 60 days + turn on e-statements Monthly fee: None | Some areas: most of Indiana; Berrien, Cass (MI) No end date stated |
| CEFCU Checking (first-time) | $200 Only in some areas, so not in these totals | Only in some areas, so not in these totals$500 in direct deposits within 30 days + turn on e-statements Monthly fee: None | Some areas: 32 counties in Illinois; Alameda, Contra Costa, Santa Clara (CA) Open by December 31, 2026 |
| Chime Chime Checking | $200 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 34 days Monthly fee: None | Nationwide Open by January 31, 2027 |
| TD Bank TD Complete Checking | $200 Our plans for this paycheck net about $125, after about $75 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 $125, after about $75 of monthly fees while it stays open until the payout. 1 deposit of $500, done about 7 days after opening.$500 in direct deposits of $250+ each within 60 days Monthly fee: $15 a month, waived with $500+ in direct deposits a month | 16 states Open by November 30, 2026 |
| Municipal Credit Union Everyday Hero Checking | $150 $350 at $3,000 in deposits. Not in these totals | $350 at $3,000 in deposits. Not in these totals$150 to $350, depending on $1,000 to $3,000 in direct deposits (at least 3) within 90 days Monthly fee: None | Some areas: 5 counties in New York Open by December 31, 2026 |
| SoFi SoFi Checking and Savings | $50 $400 at $5,000 in deposits. Not in these totals | $400 at $5,000 in deposits. Not in these totals$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 |
Every offer is checked against the bank's own terms within the last 14 days. Bank bonuses are generally taxable income.
The deposit isn't spent: it's your own pay, moved for a while. This shows which offers pay the most for the least you have to route.
Texas is a median state for this page. Here's the plan our engine builds there for a $2,000 paycheck every two weeks, offers needing $1,000 or less. Your own plan depends on your pay dates and the banks you've used.
| Bank | Open | Paid by | Nets |
|---|---|---|---|
| Huntington | Oct 25 | Feb 6, 2027 | $370 |
| Unitus Community Credit Union | Oct 25 | Dec 29 | $300 |
| FourLeaf FCU | Nov 6 | Jan 12, 2027 | $350 |
| Chase | Nov 6 | Nov 28 | $400 |
| Wells Fargo | Nov 20 | Dec 27 | $325 |
| PSECU | Nov 20 | Apr 14, 2027 | $300 |
| Chime | Dec 4 | Dec 18 | $200 |
| Capital One | Dec 17 | May 1, 2027 | $250 |
| Total (8 accounts) | $2,475 |
Usually one that needs a single direct deposit of $500 to $1,000 within a few months and has no monthly fee, or a fee you can waive. The list below is sorted by bonus size.
No. You can split your paycheck in your payroll portal and send only the amount the offer needs.