Bank bonuses in California

9 verified checking and savings bonuses open to California residents right now, including 1 only offered in California and nearby states. Together they add up to $3,400, though most people can do a few at a time and the order matters.

See which of these you can get, and in what order

Four questions about your paycheck. We show your total for free, then Autopilot gives you the exact steps and reminders. See what I can earn

Every verified offer for California

BMO
Smart Advantage Checking, open by December 15, 2026

$600

6 direct deposits ($6,000 total) within 213 days.

No monthly feeCalifornia and nearby states
Checked against BMO's own terms on October 19, 2026.

Bank of America
Advantage Banking (Plus, SafeBalance, or Relationship), open by January 31, 2027

Up to $500

Up to $500 with $10,000 in direct deposit within 90 days.

$12/mo feeNationwide
Checked against Bank of America's own terms on October 19, 2026.

U.S. Bank
U.S. Bank Smartly Checking, open by November 10, 2026

Up to $450

Up to $450 with $8,000 in direct deposit within 90 days.

$12/mo fee, waivableNationwide
Checked against U.S. Bank's own terms on October 19, 2026.

SoFi
SoFi Checking and Savings, open by December 31, 2026

Up to $400

Up to $400 with $5,000 in direct deposit within 25 days of your first deposit.

No monthly feeNationwide
Checked against SoFi's own terms on October 19, 2026.

Chase
Chase Total Checking, open by January 27, 2027

$400

$1,000 direct deposit within 90 days.

$15/mo fee, waivableNationwide
Checked against Chase's own terms on October 19, 2026.

PSECU
Checking and Savings (new membership), open by December 31, 2026

$300

2 direct deposits of $500+ each ($1,000 total) within 100 days.

No monthly feeNationwide
Checked against PSECU's own terms on October 19, 2026.

Capital One
360 Performance Savings

$300

$20,000 deposited within 15 days, kept 90 days.

No monthly feeNationwide
Checked against Capital One's own terms on October 19, 2026.

Capital One
Capital One 360 Checking

$250

2 direct deposits of $500+ each ($1,000 total) within 75 days.

No monthly feeNationwide
Checked against Capital One's own terms on October 19, 2026.

Chime
Chime Checking, open by January 31, 2027

$200

$500 direct deposit of $500+ each within 34 days.

No monthly feeNationwide
Checked against Chime's own terms on October 19, 2026.

How bank bonuses work

What do I have to do?
Open a checking account, send part of your paycheck there by direct deposit for a month or two, and the bank deposits the bonus. Most payroll systems let you split your deposit, so the rest of your pay stays where it is.
Will it hurt my credit?
Usually not. Most banks check ChexSystems, a separate banking history report, rather than your credit report.
Is it taxable?
Yes. Bonuses count as income, and the bank usually sends a 1099-INT.
What's the catch?
Fees if you miss a waiver, and some banks take the bonus back if you close too early. Autopilot tracks those dates for you.

See which of these you can get, and in what order

Four questions about your paycheck. We show your total for free, then Autopilot gives you the exact steps and reminders. Get my free plan

Bank bonuses in other states