Updated October 26, 2026

Best bank bonuses for October 2026

Ranked by what a typical paycheck actually nets after fees, not by the biggest headline number. 44 verified checking and savings offers, each checked against the bank's own page. Done in the right order, a $2,000 paycheck every two weeks collects about $3,950 from accounts opened over the next 12 months in the middle state.

How we rank: the median that each offer nets in our plans for someone taking home $2,000 every two weeks (the states where it's open and used), after any monthly fees, before taxes. Bonuses are taxable income. Banks can change or end offers at any time.

Open nationwide

Anyone in the U.S. can open these online.

  1. 1

    Chase

    Chase Total Checking
    $400typical net
    Bonus
    $400. In our typical plans it nets about $400 after fees (every state and D.C.)
    To qualify
    $1,000 in direct deposits within 90 days
    Monthly fee
    $15 a month, waived with $500+ in direct deposits a month
    Where
    Nationwide
    Open by
    January 27, 2027

    Chase's own offer page · checked Oct 23

  2. 2

    Morgan Stanley Private Bank

    Max-Rate Checking (opened at E*TRADE)
    $400typical net
    Bonus
    $400. In our typical plans it nets about $400 after fees (49 states)
    To qualify
    2 direct deposits of $1,500+ each ($3,000 total) within 90 days
    Monthly fee
    None
    Where
    Nationwide
    Open by
    January 10, 2027

    Morgan Stanley Private Bank's own offer page · checked Oct 23

  3. 3

    FourLeaf FCU

    FourLeaf Free Checking
    $350typical net
    Bonus
    $350. In our typical plans it nets about $350 after fees (every state and D.C.)
    To qualify
    A $500+ direct deposit within 90 days
    Monthly fee
    None
    Where
    Nationwide
    Open by
    December 31, 2026

    FourLeaf FCU's own offer page · checked Oct 23

  4. 4

    Wells Fargo

    Everyday Checking
    $325typical net
    Bonus
    $325. In our typical plans it nets about $325 after fees (every state and D.C.)
    To qualify
    $1,000 in direct deposits within 90 days + $25 to open
    Monthly fee
    $15 a month, waived with $500+ in direct deposits a month
    Where
    Nationwide
    Open by
    January 13, 2027

    Wells Fargo's own offer page · checked Oct 23

  5. 5

    PSECU

    Checking and Savings (new membership)
    $300typical net
    Bonus
    $300. In our typical plans it nets about $300 after fees (48 states)
    To qualify
    2 direct deposits of $500+ each ($1,000 total) within 100 days
    Monthly fee
    None
    Where
    Nationwide
    Open by
    December 31, 2026

    PSECU's own offer page · checked Oct 23

  6. 6

    Unitus Community Credit Union

    Unitus Checking (new membership)
    $300typical net
    Bonus
    $300. In our typical plans it nets about $300 after fees (50 states)
    To qualify
    A $250+ direct deposit within 60 days
    Monthly fee
    None
    Where
    Nationwide
    Open by
    November 30, 2026

    Unitus Community Credit Union's own offer page · checked Oct 23

  7. 7

    California Credit Union

    eChecking (new membership)
    $250typical net
    Bonus
    $250. In our typical plans it nets about $250 after fees (40 states)
    To qualify
    $400+ in direct deposits in each of 3 months in a row + $251 to open + turn on e-statements
    Monthly fee
    None
    Where
    Nationwide
    Open by
    No end date stated (banks can end offers any time)

    California Credit Union's own offer page · checked Oct 23

  8. 8

    Capital One

    Capital One 360 Checking
    $250typical net
    Bonus
    $250. In our typical plans it nets about $250 after fees (46 states)
    To qualify
    2 direct deposits of $500+ each ($1,000 total) within 75 days
    Monthly fee
    None
    Where
    Nationwide
    Open by
    No end date stated (banks can end offers any time)

    Capital One's own offer page · checked Oct 23

  9. 9

    Bank of America

    Advantage Banking (Plus, SafeBalance, or Relationship)
    $240typical net
    Bonus
    $100 to $500. In our typical plans it nets about $240 after fees (50 states)
    To qualify
    $100 to $500, depending on $2,000 to $10,000 in direct deposits within 90 days
    Monthly fee
    $12 a month
    Where
    Nationwide
    Open by
    January 31, 2027

    Bank of America's own offer page · checked Oct 23

  10. 10

    Bank of Hawaii

    Bankohana Level I Checking
    $210typical net
    Bonus
    $300. In our typical plans it nets about $210 after fees (50 states)
    To qualify
    $3,500 in direct deposits within 60 days + $500 to open
    Monthly fee
    $15 a month
    Where
    50 states
    Open by
    No end date stated (banks can end offers any time)

    Bank of Hawaii's own offer page · checked Oct 23

  11. 11

    Chime

    Chime Checking
    $200typical net
    Bonus
    $200. In our typical plans it nets about $200 after fees (18 states)
    To qualify
    A $500+ direct deposit within 34 days
    Monthly fee
    None
    Where
    Nationwide
    Open by
    January 31, 2027

    Chime's own offer page · checked Oct 23

  12. 12

    SoFi

    SoFi Checking and Savings
    $50typical net
    Bonus
    $50 to $400. In our typical plans it nets about $50 after fees (every state and D.C.)
    To qualify
    $50 to $400, depending on $1,000 to $5,000 in direct deposits within 25 days of your first deposit
    Monthly fee
    None
    Where
    Nationwide
    Open by
    December 31, 2027

    SoFi's own offer page · checked Oct 23

  13. 13

    Bank of Hawaii

    Convenience Checking
    $100bonus
    Bonus
    $100. Not in our typical plans for a $2,000 paycheck
    To qualify
    $2,000 in direct deposits within 60 days + $500 to open
    Monthly fee
    $5 a month, waived with a minimum average daily balance
    Where
    50 states
    Open by
    No end date stated (banks can end offers any time)

    Bank of Hawaii's own offer page · checked Oct 23

Regional offers

Only in certain states or counties, or at a branch. Your state page lists the ones near you: by state.

  1. 1

    BMO

    Smart Advantage Checking
    $600typical net
    Bonus
    $600. In our typical plans it nets about $600 after fees (13 states)
    To qualify
    $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
    Where
    14 states
    Open by
    December 15, 2026

    BMO's own offer page · checked Oct 23

  2. 2

    KCCU

    Personal Checking or eChecking (new membership)
    $500typical net
    Bonus
    $500. In our typical plans it nets about $500 after fees (1 state)
    To qualify
    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
    Where
    Michigan
    Open by
    No end date stated (banks can end offers any time)

    KCCU's own offer page · checked Oct 25

  3. 3

    Truist

    Truist One Checking
    $500typical net
    Bonus
    $500. In our typical plans it nets about $500 after fees (18 states)
    To qualify
    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
    Where
    18 states
    Open by
    February 2, 2027

    Truist's own offer page · checked Oct 23

  4. 4

    WSECU

    Cash Back Checking (new membership)
    $500typical net
    Bonus
    $500. In our typical plans it nets about $500 after fees (1 state)
    To qualify
    $1,000+ in direct deposits each month for your first 3 months + 25 debit purchases within 90 days
    Monthly fee
    None
    Where
    Washington
    Open by
    December 31, 2026

    WSECU's own offer page · checked Oct 23

  5. 5

    Peoples Bank

    Premier Checking
    $460typical net
    Bonus
    $600. In our typical plans it nets about $460 after fees (6 states)
    To qualify
    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
    Where
    6 states
    Open by
    No end date stated (banks can end offers any time)

    Peoples Bank's own offer page · checked Oct 25

  6. 6

    Northwest Bank

    Affinity Checking
    $400typical net
    Bonus
    $400. In our typical plans it nets about $400 after fees (4 states)
    To qualify
    A $1,000+ direct deposit within 90 days
    Monthly fee
    None
    Where
    Pennsylvania, New York, Ohio, Indiana
    Open by
    December 31, 2026

    Northwest Bank's own offer page · checked Oct 23

  7. 7

    Flagstar Bank

    Ready Checking
    $370typical net
    Bonus
    $400. In our typical plans it nets about $370 after fees (3 states)
    To qualify
    $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
    Where
    Florida, Michigan, Ohio
    Open by
    No end date stated (banks can end offers any time)

    Flagstar Bank's own offer page · checked Oct 23

  8. 8

    Huntington

    Perks Checking
    $370typical net
    Bonus
    $400. In our typical plans it nets about $370 after fees (21 states)
    To qualify
    $500 in direct deposits within 90 days
    Monthly fee
    $10 a month, waived with $1,000+ in direct deposits a month
    Where
    21 states
    Open by
    January 15, 2027

    Huntington's own offer page · checked Oct 23

  9. 9

    SECU (Maryland)

    SECU Total Checking
    $350typical net
    Bonus
    $350. In our typical plans it nets about $350 after fees (6 states)
    To qualify
    2 direct deposits (any amount) within 90 days + turn on e-statements
    Monthly fee
    None
    Where
    6 states
    Open by
    December 31, 2026

    SECU (Maryland)'s own offer page · checked Oct 23

  10. 10
    $330typical net
    Bonus
    $330. In our typical plans it nets about $330 after fees (1 state)
    To qualify
    2 direct deposits of $331+ each ($662 total) within 90 days + turn on e-statements
    Monthly fee
    None
    Where
    Washington
    Open by
    December 16, 2026

    Kitsap Credit Union's own offer page · checked Oct 23

  11. 11

    U.S. Bank

    U.S. Bank Smartly Checking
    $326typical net
    Bonus
    $250 to $450. In our typical plans it nets about $326 after fees (31 states)
    To qualify
    $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
    Where
    Nationwide, but the bank says it may be limited to its branch areas
    Open by
    November 10, 2026

    U.S. Bank's own offer page · checked Oct 23

  12. 12

    Hancock Whitney

    Freestyle Checking
    $300typical net
    Bonus
    $300. In our typical plans it nets about $300 after fees (5 states)
    To qualify
    $2,000 in direct deposits within 90 days
    Monthly fee
    $10 a month, waived with one transaction a cycle
    Where
    5 states
    Open by
    February 28, 2027

    Hancock Whitney's own offer page · checked Oct 23

  13. 13

    KeyBank

    Key Smart Checking
    $300typical net
    Bonus
    $300. In our typical plans it nets about $300 after fees (13 states)
    To qualify
    $2,000 in direct deposits within 90 days
    Monthly fee
    None
    Where
    15 states
    Open by
    December 11, 2026

    KeyBank's own offer page · checked Oct 23

  14. 14

    Webster Bank

    Premium Checking
    $240typical net
    Bonus
    $300. In our typical plans it nets about $240 after fees (8 states)
    To qualify
    $500 in direct deposits within 90 days
    Monthly fee
    $15 a month
    Where
    8 states
    Open by
    No end date stated (banks can end offers any time)

    Webster Bank's own offer page · checked Oct 23

  15. 15
    $400bonus
    Bonus
    $400. Not in our typical plans for a $2,000 paycheck
    To qualify
    $4,000 in direct deposits within 75 days + 40 debit purchases within 75 days + turn on e-statements
    Monthly fee
    None
    Where
    Some areas: 59 counties in Florida
    Open by
    No end date stated (banks can end offers any time)

    MIDFLORIDA Credit Union's own offer page · checked Oct 23

  16. 16

    PNC

    Virtual Wallet with Performance Select
    $400bonus
    Bonus
    $400. Not in our typical plans for a $2,000 paycheck
    To qualify
    $5,000 in direct deposits within 60 days
    Monthly fee
    $25 a month, waived with $5,000+ in direct deposits a month
    Where
    New Jersey, Pennsylvania
    Open by
    January 7, 2027

    PNC's own offer page · checked Oct 23

  17. 17

    Municipal Credit Union

    Everyday Hero Checking
    $150 to $350bonus
    Bonus
    $150 to $350. Not in our typical plans for a $2,000 paycheck
    To qualify
    $150 to $350, depending on $1,000 to $3,000 in direct deposits (at least 3) within 90 days
    Monthly fee
    None
    Where
    Some areas: 5 counties in New York
    Open by
    December 31, 2026

    Municipal Credit Union's own offer page · checked Oct 23

  18. 18

    Associated Bank

    Access Checking
    $300bonus
    Bonus
    $300. Not in our typical plans for a $2,000 paycheck
    To qualify
    $500 in direct deposits within 90 days + $1,000 deposited within 30 days, kept 60 days
    Monthly fee
    None
    Where
    10 states
    Open by
    November 30, 2026

    Associated Bank's own offer page · checked Oct 23

  19. 19

    SAFE Credit Union

    Freedom Checking (new checking)
    $300bonus
    Bonus
    $300. Not in our typical plans for a $2,000 paycheck
    To qualify
    $1,000+ in direct deposits within 60 days, then $1,000+ in each of the next two months + turn on e-statements
    Monthly fee
    None
    Where
    Some areas: 13 counties in California
    Open by
    November 30, 2026

    SAFE Credit Union's own offer page · checked Oct 23

  20. 20

    Santander

    Simply Right Checking
    $300bonus
    Bonus
    $300. Not in our typical plans for a $2,000 paycheck
    To qualify
    1 direct deposit (any amount) within 90 days + $2,000 deposited, kept 90 days
    Monthly fee
    $10 a month, waived with one transaction a month
    Where
    8 states, branch only
    Open by
    December 18, 2026

    Santander's own offer page · checked Oct 23

  21. 21

    TD Bank

    TD Beyond Checking
    $300bonus
    Bonus
    $300. Not in our typical plans for a $2,000 paycheck
    To qualify
    $2,500 in direct deposits of $250+ each within 60 days
    Monthly fee
    $25 a month, waived with $5,000+ in direct deposits a month
    Where
    16 states
    Open by
    November 30, 2026

    TD Bank's own offer page · checked Oct 23

  22. 22

    Everwise Credit Union

    Simply Checking
    $250bonus
    Bonus
    $250. Not in our typical plans for a $2,000 paycheck
    To qualify
    $500 in deposits within 60 days (ACH transfers count) + 10 debit purchases within 60 days + turn on e-statements
    Monthly fee
    None
    Where
    Some areas: most of Indiana; Berrien, Cass (MI)
    Open by
    No end date stated (banks can end offers any time)

    Everwise Credit Union's own offer page · checked Oct 23

  23. 23

    1st Advantage FCU

    Free Advantage Checking (new membership)
    $200bonus
    Bonus
    $200. Not in our typical plans for a $2,000 paycheck
    To qualify
    A recurring direct deposit every month until the bonus is reviewed (days 60 to 90) + 1 debit purchase of $200+ within 60 days + turn on e-statements
    Monthly fee
    None
    Where
    Some areas: 15 counties in Virginia; Currituck, Gates (NC)
    Open by
    No end date stated (banks can end offers any time)

    1st Advantage FCU's own offer page · checked Oct 25

  24. 24

    CEFCU

    Checking (first-time)
    $200bonus
    Bonus
    $200. Not in our typical plans for a $2,000 paycheck
    To qualify
    $500 in direct deposits within 30 days + turn on e-statements
    Monthly fee
    None
    Where
    Some areas: 32 counties in Illinois; Alameda, Contra Costa, Santa Clara (CA)
    Open by
    December 31, 2026

    CEFCU's own offer page · checked Oct 23

  25. 25

    MIDFLORIDA Credit Union

    Free Checking (lighter $200 version)
    $200bonus
    Bonus
    $200. Not in our typical plans for a $2,000 paycheck
    To qualify
    $2,000 in direct deposits within 75 days + 20 debit purchases within 75 days + turn on e-statements
    Monthly fee
    None
    Where
    Some areas: 59 counties in Florida
    Open by
    No end date stated (banks can end offers any time)

    MIDFLORIDA Credit Union's own offer page · checked Oct 23

  26. 26

    TD Bank

    TD Complete Checking
    $200bonus
    Bonus
    $200. Not in our typical plans for a $2,000 paycheck
    To qualify
    $500 in direct deposits of $250+ each within 60 days
    Monthly fee
    $15 a month, waived with $500+ in direct deposits a month
    Where
    16 states
    Open by
    November 30, 2026

    TD Bank's own offer page · checked Oct 23

No direct deposit needed

These pay for keeping savings in the account for a while, or for a few simple steps. Sorted by bonus. What they're worth after the interest your savings earn anyway.

  1. 1

    Huntington

    Platinum Perks Checking
    $600bonus
    Bonus
    $600. Needs savings or a few simple steps, not a paycheck, so it isn't in our paycheck plans
    To qualify
    $25,000 deposited within 90 days, kept 90 days
    Monthly fee
    $25 a month, waived with $25,000 in balances, which the required deposit covers
    Where
    21 states
    Open by
    January 15, 2027

    Huntington's own offer page · checked Oct 23

  2. 2

    Capital One

    360 Performance Savings
    $300bonus
    Bonus
    $300. Needs savings or a few simple steps, not a paycheck, so it isn't in our paycheck plans
    To qualify
    $20,000 deposited within 15 days, kept 90 days
    Monthly fee
    None
    Where
    Nationwide
    Open by
    No end date stated (banks can end offers any time)

    Capital One's own offer page · checked Oct 23

  3. 3

    Chase

    Chase Savings
    $200bonus
    Bonus
    $200. Needs savings or a few simple steps, not a paycheck, so it isn't in our paycheck plans
    To qualify
    $15,000 deposited within 30 days, kept 90 days
    Monthly fee
    $5 a month, waived with a $300 balance at the start of each day (open it with $300 or more)
    Where
    Nationwide
    Open by
    January 27, 2027

    Chase's own offer page · checked Oct 23

  4. 4

    Red Canoe Credit Union

    Elevate Checking (new membership)
    $150typical net
    Bonus
    $150. In our typical plans it nets about $150 after fees (1 state)
    To qualify
    10 debit purchases within 45 days + turn on e-statements
    Monthly fee
    None
    Where
    Washington, plus some areas: 5 counties in Oregon
    Open by
    December 31, 2026

    Red Canoe Credit Union's own offer page · checked Oct 23

  5. 5

    Bank of Hawaii

    Regular Savings
    $75bonus
    Bonus
    $75. Needs savings or a few simple steps, not a paycheck, so it isn't in our paycheck plans
    To qualify
    $5,000 deposited within 30 days, kept 60 days
    Monthly fee
    $5 a month, waived with a $300 balance (open it with $300 or more)
    Where
    50 states
    Open by
    No end date stated (banks can end offers any time)

    Bank of Hawaii's own offer page · checked Oct 23

Which of these can you get, and in what order?

Four questions about your paycheck. We show your total for free.See what I can earn

What changed recently

Changes to our verified list after re-checking each bank's page. All changes · RSS feed

October 26, 2026

  • Updated Bank of Hawaii Regular Savings: monthly fee: $5 a month, waived with a $300 balance (open it with $300 or more) (we listed $5 a month, waived with a $300 balance, which the deposit covers)
  • Updated Chase Savings: monthly fee: $5 a month, waived with a $300 balance at the start of each day (open it with $300 or more) (we listed $5 a month)

October 25, 2026

  • Updated Bank of Hawaii Regular Savings: open every state but D.C. (we listed nationwide)
  • Updated Bank of Hawaii Bankohana Level I Checking: open every state but D.C. (we listed nationwide)
  • Updated Bank of Hawaii Convenience Checking: open every state but D.C. (we listed nationwide)
  • Updated Municipal Credit Union Everyday Hero Checking: needs $3,000 in 3 deposits within 90 days (we listed $1,000 in 3 deposits within 90 days)
  • Added Peoples Bank Premier Checking: $600, 6 states
  • Added 1st Advantage FCU Free Advantage Checking (new membership): $200, only VA, NC
  • Added KCCU Personal Checking or eChecking (new membership): $500, only MI

October 23, 2026

  • Added Morgan Stanley Private Bank Max-Rate Checking (opened at E*TRADE): $400, nationwide, open by Jan 10, 2027
  • Added Wells Fargo Everyday Checking: $325, nationwide, open by Jan 13, 2027
  • Updated California Credit Union eChecking (new membership): needs $400 a month for 3 months (we listed $1,200 in 3 deposits within 120 days)
  • Updated SAFE Credit Union Freedom Checking (new checking): needs $1,000 a month for 3 months (we listed $3,000 in 3 deposits within 90 days)
  • Updated WSECU Cash Back Checking (new membership): needs $1,000 a month for 3 months (we listed $3,000 in 3 deposits within 90 days)
  • Updated Bank of Hawaii Convenience Checking: monthly fee $5 with no direct deposit waiver (we listed $5, waived with $500 a month in direct deposits)
  • Updated Flagstar Bank Ready Checking: needs $500 a month for 3 months (we listed $1,500 in 3 deposits within 90 days)
  • Updated BMO Smart Advantage Checking: needs $1,000 a month for 6 months (we listed $6,000 in 6 deposits within 213 days)
  • Added Municipal Credit Union Everyday Hero Checking: $150 to $350, only NY, open by Dec 31, 2026
  • Added Bank of Hawaii Regular Savings: $75, nationwide
  • Added CEFCU Checking (first-time): $200, only IL, CA, open by Dec 31, 2026
  • Added Kitsap Credit Union Peak Account: $330, only WA, open by Dec 16, 2026
  • Added Unitus Community Credit Union Unitus Checking (new membership): $300, nationwide, open by Nov 30, 2026
  • Added Red Canoe Credit Union Elevate Checking (new membership): $150, only WA, OR, open by Dec 31, 2026
  • Added Everwise Credit Union Simply Checking: $250, only IN, MI
  • Added MIDFLORIDA Credit Union Free Checking (lighter $200 version): $200, only FL
  • Added MIDFLORIDA Credit Union Free Checking: $400, only FL
  • Added California Credit Union eChecking (new membership): $250, nationwide
  • Added SAFE Credit Union Freedom Checking (new checking): $300, only CA, open by Nov 30, 2026
  • Added Webster Bank Premium Checking: $300, 8 states
  • Added WSECU Cash Back Checking (new membership): $500, only WA, open by Dec 31, 2026
  • Added Bank of Hawaii Bankohana Level I Checking: $300, nationwide
  • Added Bank of Hawaii Convenience Checking: $100, nationwide
  • Added Chase Savings: $200, nationwide, open by Jan 27, 2027
  • Updated Huntington Perks Checking: pays within 104 days (we listed 14)
  • Updated SoFi Checking and Savings: open by Dec 31, 2027 (we listed Dec 31, 2026)

Questions

What is the best bank bonus right now?
Open nationwide, for a typical paycheck: Chase's Total Checking and Morgan Stanley Private Bank's Max-Rate Checking (opened at E*TRADE), netting about $400 after fees in our plans for someone taking home $2,000 every two weeks. 5 regional offers net more where they're open, led by BMO at about $600. The best one for you depends on your state, your pay and the banks you've already used.
Why not rank by the biggest bonus?
The biggest number often needs deposits most paychecks can't reach in time, or charges fees that eat part of it. We rank by what a typical $2,000 paycheck every two weeks actually nets after fees in our plans.
How often is this list updated?
Every day. Every offer is checked against the bank's own page at least every 14 days, and offers that haven't been re-checked drop off automatically.
Do I need direct deposit for a bank bonus?
Most bonuses need part of your paycheck sent by direct deposit. 5 here don't; they ask for savings kept in the account for a while, or a few simple steps, instead.