Offers checked October 23 to 25, 2026
For someone taking home about $800 every two weeks, our model projects about $2,800 in bonuses over a year in the median state. In the middle 80% of states it runs $2,400 to $3,650.
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.
You don't need a big paycheck. Many offers ask for $500 to $1,000 in total deposits over a few months, which a smaller check covers in one or two paydays. Offers with a large minimum per deposit, or thousands of dollars in a short window, are the ones that don't fit.
| Bank | Bonus | To qualify | Where |
|---|---|---|---|
| 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. 12 deposits of $50, done about 161 days after opening. | Our plans for this paycheck net about $460, after about $140 of monthly fees while it stays open until the payout. 12 deposits of $50, 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 Our plans for this paycheck net about $40, after about $60 of monthly fees while it stays open until the payout. 5 deposits of $400, done about 77 days after opening. | Our plans for this paycheck net about $40, after about $60 of monthly fees while it stays open until the payout. 5 deposits of $400, 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 Full amount in our plans for this paycheck. 2 deposits of $500, done about 19 days after opening. | Full amount in our plans for this paycheck. 2 deposits of $500, done about 19 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 Our plans for this paycheck net about $476 ($464 to $500 by state), after about $24 of monthly fees while it stays open until the payout. 5 deposits of $400, done about 119 days after opening. | Our plans for this paycheck net about $476 ($464 to $500 by state), after about $24 of monthly fees while it stays open until the payout. 5 deposits of $400, done about 119 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 Full amount in our plans for this paycheck. 6 deposits, done about 77 days after opening. | Full amount in our plans for this paycheck. 6 deposits, 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 Our plans for this paycheck net about $202, after about $48 of monthly fees while it stays open until the payout. 3 deposits of $700, done about 77 days after opening. | Our plans for this paycheck net about $202, after about $48 of monthly fees while it stays open until the payout. 3 deposits of $700, 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 Our plans for this paycheck net about $385 ($370 to $385 by state), after about $15 of monthly fees while it stays open until the payout. 3 deposits of $350, done about 34 days after opening. | Our plans for this paycheck net about $385 ($370 to $385 by state), after about $15 of monthly fees while it stays open until the payout. 3 deposits of $350, done about 34 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 Our plans for this paycheck net about $360, after about $40 of monthly fees while it stays open until the payout. 6 deposits of $250, done about 77 days after opening. | Our plans for this paycheck net about $360, after about $40 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 Our plans for this paycheck net about $370, after about $30 of monthly fees while it stays open until the payout. 2 deposits of $250, done about 19 days after opening. | Our plans for this paycheck net about $370, after about $30 of monthly fees while it stays open until the payout. 2 deposits of $250, done about 19 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 |
| SoFi SoFi Checking and Savings | $50 to $400 Our plans for this paycheck net about $50. 2 deposits of $500, done about 21 days after opening. | Our plans for this paycheck net about $50. 2 deposits of $500, done about 21 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 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 Our plans for this paycheck net about $310 ($280 to $310 by state), after about $15 of monthly fees while it stays open until the payout. 3 deposits of $350, done about 35 days after opening. | Our plans for this paycheck net about $310 ($280 to $310 by state), after about $15 of monthly fees while it stays open until the payout. 3 deposits of $350, done about 35 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 |
| Hancock Whitney Freestyle Checking | $300 Full amount in our plans for this paycheck. 5 deposits of $400, done about 77 days after opening. | Full amount in our plans for this paycheck. 5 deposits of $400, done about 77 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. 5 deposits of $400, done about 77 days after opening. | Full amount in our plans for this paycheck. 5 deposits of $400, done about 77 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 63 days after opening. | Full amount in our plans for this paycheck. 2 deposits of $500, done about 63 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. 2 deposits of $250, done about 21 days after opening. | Our plans for this paycheck net about $240, after about $60 of monthly fees while it stays open until the payout. 2 deposits of $250, done about 21 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. 6 deposits of $200, done about 77 days after opening. | Full amount in our plans for this paycheck. 6 deposits of $200, done about 77 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 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 75 days Monthly fee: None | Nationwide No end date stated |
| 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 ($110 to $125 by state), after about $75 of monthly fees while it stays open until the payout. 2 deposits of $250, done about 21 days after opening. | Our plans for this paycheck net about $125 ($110 to $125 by state), after about $75 of monthly fees while it stays open until the payout. 2 deposits of $250, done about 21 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 |
| 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 |
| Bank of Hawaii Convenience Checking | $100 Our plans for this paycheck net about $70, after about $30 of monthly fees while it stays open until the payout. 4 deposits of $500, done about 49 days after opening. | Our plans for this paycheck net about $70, after about $30 of monthly fees while it stays open until the payout. 4 deposits of $500, done about 49 days after opening.$2,000 in direct deposits within 60 days + $500 to open Monthly fee: $5 a month, waived with a minimum average daily balance | 50 states No end date stated |
Every offer is checked against the bank's own terms within the last 14 days. Bank bonuses are generally taxable income.
Missouri is a median state for this page. Here's the plan our engine builds there for someone taking home $800 every two weeks. Your own plan depends on your pay dates and the banks you've used.
| Bank | Open | Paid by | Nets |
|---|---|---|---|
| Unitus Community Credit Union | Oct 25 | Dec 29 | $300 |
| Huntington | Oct 25 | Feb 6, 2027 | $370 |
| FourLeaf FCU | Nov 6 | Jan 12, 2027 | $350 |
| U.S. Bank | Nov 6 | Feb 21, 2027 | $202 |
| PSECU | Nov 20 | Apr 14, 2027 | $300 |
| Wells Fargo | Jan 1, 2027 | Apr 18, 2027 | $295 |
| Chase | Jan 15, 2027 | Apr 17, 2027 | $370 |
| Capital One | Apr 9, 2027 | Aug 22, 2027 | $250 |
| California Credit Union | Apr 9, 2027 | Aug 1, 2027 | $250 |
| SoFi | May 7, 2027 | Jun 17, 2027 | $50 |
| Bank of Hawaii | Jun 4, 2027 | Oct 2, 2027 | $70 |
| Total (11 accounts) | $2,800 |
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. Several offers need only $500 to $1,000 in direct deposits over 60 to 90 days, which a part-time paycheck can cover. If splitting a small paycheck feels like too much, doing one bank at a time also works; it usually earns a little less over a year.
Some accounts charge a monthly fee unless you deposit a certain amount. Each offer below lists the fee and the waiver, where there is one, and our plans count any fee you can't avoid.