Free tool · hand-verified offers
Opening bonuses, planned.
Banks pay $200–$500 when you open a checking account. Card issuers pay even more. Tell us what you're willing to do — we compute what you'd actually collect, after every fee and hoop.
No credit check · We never ask for your SSN · No bank login
Your bonus plan
Every offer verified October 9, 2026 · verification due or later
Two questions issuers will ask — they decide which bonuses you can actually get
Current offer shown; issuer determines eligibility.
Following the 5-step plan below —
You could collect ≈ $3,590 in the next 12 months.
Timed so overlapping spend requirements never exceed your $1,500/mo — and your one direct deposit is never promised to two banks at once.
Card bonus · American Express · Start now
American Express Gold
- — Spend $8,000 in the first 6 months
- — $325/yr annual fee — already subtracted from the number shown
Verified 2026-11-04 · Put the deadline on your calendar →
Card bonus · Bank of America · Start in month 7
Atmos Rewards Ascent Visa Signature®
- — Spend $2,500 in the first 3 months
- — $95/yr annual fee — already subtracted from the number shown
Verified 2026-11-04 · Put the deadline on your calendar →
Bank bonus · U.S. Bank · Start now
Smartly Checking
- — Two or more direct deposits within 90 days (tiered: $2,000 → $250 · $5,000 → $350 · $8,000 → $450)
- — Open Sept 10 – Nov 10, 2026; $25 opening deposit within 60 days; enroll in mobile/online banking within 90 days
- — Not available in every state (U.S. Bank footprint — excludes NY & FL)
Offer ends 2026-11-10 · Pays out in ~120 days · Verified 2026-10-09 · Put the deadline on your calendar →
Bank bonus · PNC · Start in month 4
Virtual Wallet
- — Qualifying direct deposits within 60 days (tiered: $500 → $100 on base Virtual Wallet · $5,000 → $400 on Performance Select)
- — No PNC or FirstBank consumer checking account now, none closed in the last 12 months, no PNC promo bonus in 24 months
Offer ends 2027-01-07 · Pays out in ~90 days · Verified 2026-10-09 · Put the deadline on your calendar →
$400
Open at PNC →Bank bonus · Chase · Start in month 7
Total Checking
- — Direct deposits totaling $1,000+ within 90 days (payroll/government — Zelle and transfers don’t count)
- — New Chase checking customers only — one checking bonus per 2 years
- — Keep the account open 6 months or the bank takes the bonus back.
Offer ends 2027-01-27 · Pays out in ~105 days · Verified 2026-10-09 · Put the deadline on your calendar →
$400
Open at Chase →
+ 6 more you could add after these →
Card bonus · Chase
Southwest Rapid Rewards® Priority
- — Spend $3,000 in the first 3 months
- — $229/yr annual fee — already subtracted from the number shown
Verified 2026-11-04
Card bonus · Capital One
Capital One Venture
- — Spend $4,000 in the first 3 months
- — $95/yr annual fee — already subtracted from the number shown
Verified 2026-11-04
Card bonus · Chase
Southwest Rapid Rewards Plus
- — Spend $1,000 in the first 3 months
- — $99/yr annual fee — already subtracted from the number shown
Verified 2026-11-04
Card bonus · Chase
Air Canada Aeroplan® Card
- — Spend $4,000 in the first 3 months
- — $195/yr annual fee — already subtracted from the number shown
Verified 2026-11-04
Card bonus · American Express
Delta SkyMiles® Reserve American Express Card
- — Spend $5,000 in the first 6 months
- — $650/yr annual fee — already subtracted from the number shown
Verified 2026-11-05
Card bonus · American Express
Delta SkyMiles Gold
- — Spend $2,000 in the first 6 months
- — $150/yr annual fee — already subtracted from the number shown
Verified 2026-11-05
And the ones we'd skip for you —
American Express Platinum · $2,625 advertised
Needs $12,000 spend in 6 months — above the $9,000 you'd naturally spend.
Chase Sapphire Reserve · $1,500 advertised
Needs $6,000 spend in 3 months — above the $4,500 you'd naturally spend.
Chase United Club℠ Card · $1,170 advertised
Needs $5,000 spend in 3 months — above the $4,500 you'd naturally spend.
Chase Sapphire Preferred · $1,125 advertised
Needs $5,000 spend in 3 months — above the $4,500 you'd naturally spend.
Worth knowing if you live in the right state —
Truist · AL, AR, FL, GA, IN, KY, MD, MS, NC, NJ, OH, PA, SC, TN, TX, VA, WV, DC
One Checking
Two direct deposits totaling $2,000+ AND 20 debit card purchases, within 120 days
$500
Regions · AL, AR, FL, GA, IL, IN, IA, KY, LA, MS, MO, NC, SC, TN, TX
LifeGreen Checking
$1,000+ in qualifying ACH direct deposits within 90 days (deposits must be new to Regions)
$400
Huntington · AL, AR, CO, FL, GA, IL, IN, KY, LA, MI, MN, MS, MO, NC, OH, OK, PA, SC, TN, TX, WV, WI
Perks Checking
Direct deposits totaling $500+ within 90 days (promo code from the offer page)
$370
KeyBank · AK, CO, CT, ID, IN, MA, ME, MI, NY, OH, OR, PA, UT, VT, WA
Key Smart Checking
$2,000+ in eligible direct deposits within 90 days; $10 opening deposit
$300
TD Bank · CT, DC, DE, FL, MD, ME, MA, NC, NH, NJ, NY, PA, RI, SC, VT, VA
Complete Checking
$500 in total qualifying direct deposits within 60 days (each deposit $250+)
$200
Open one or two accounts at a time — banks screen new applications (ChexSystems), and a stack of same-week openings gets accounts denied.
Bank bonuses are taxable interest income — expect a 1099-INT. Credit-card bonuses generally aren't taxed.
We verify every offer by hand on the date shown, but banks change offers without notice — always confirm the terms on the bank's own page before opening. Numbers shown are net of fees you likely can't avoid; see how we compute.