Looking for a way to boost your savings with minimal effort? Bank sign-up bonuses are a fantastic way to earn extra cash just by opening a new account.
These offers often come with minimal requirements and can be a smart stepping stone toward better financial health. Plus, who doesn’t love free money?
In this listicle, we’re diving into the top bank sign-up bonuses that offer $100 or more. These deals are tailored for people 18 and older, so you’re in the right place!
We’ve grouped these offers into categories to help you find the best fit, whether you want a checking account, a savings boost, or even a credit card perk. Ready to find your next bonus? Let’s jump right in.
Remember, these offers change frequently, so it’s a good idea to check the bank’s website for the latest details before applying. Now, let’s explore the top sign-up bonuses you shouldn’t miss.
By the end of this article, you’ll have a solid list of options to choose from, making your money work a little harder for you. Let’s get started!
Top Checking Account Bonuses
Checking accounts are the backbone of your daily finances, and many banks offer sign-up bonuses to attract new customers. These bonuses usually require you to open an account and meet certain criteria, like a minimum number of debit card transactions or direct deposits.
They’re a great way to earn extra cash while managing your everyday spending. Plus, these offers often come with no or low fees, making them even more appealing to savvy savers.
Here are some of the best checking account bonuses currently available that offer $100 or more.
1. Chase Total Checking® – $200 Bonus – Chase offers a $200 bonus when you open a new Chase Total Checking® account and set up direct deposits totaling $500 or more within 90 days. This is a solid offer from one of the biggest banks, perfect if you want extensive branch access and a robust mobile app.
2. Wells Fargo Everyday Checking – $200 Bonus – Open a Wells Fargo Everyday Checking account and receive a $200 bonus after you have qualifying direct deposits totaling $500 or more within 90 days. Wells Fargo is great for those who want a large ATM network and plenty of physical branches.
3. Bank of America Advantage Plus Banking – $100 Bonus – Get $100 when you open this account and complete at least one qualifying direct deposit of $250 or more within 90 days. Bank of America also offers a user-friendly app and nationwide branch access.
4. PNC Virtual Wallet – $200 Bonus – PNC’s Virtual Wallet account offers $200 when you open a new checking account and set up direct deposits of $500 or more within two months. It’s a great choice for those who love digital banking tools combined with in-person service.
5. TD Bank Convenience Checking – $150 Bonus – Earn $150 by opening a new TD Bank Convenience Checking account and completing direct deposits totaling $500 or more within 60 days. TD Bank is known for its extended weekday hours, perfect for busy schedules.
These checking account bonuses provide an easy way to earn $100+ while managing your daily finances. Now, let’s look at some attractive savings account bonuses that can help your money grow.
High-Interest Savings Account Bonuses
Savings accounts with sign-up bonuses are a smart way to jumpstart your emergency fund or save for specific goals. Many banks sweeten the deal by offering bonuses alongside competitive interest rates.
These offers typically require a minimum deposit or maintaining a certain balance for a few months. If you’re ready to grow your savings with a bonus, check out these top picks.
6. Ally Bank Savings Account – $150 Bonus – Ally offers a $150 bonus when you open a new savings account and maintain a balance of $15,000 for 30 days. Ally’s high interest rates and no monthly fees make it a favorite among online savers.
7. Marcus by Goldman Sachs Online Savings – $200 Bonus – Open a Marcus savings account and deposit $10,000 or more to qualify for a $200 bonus. Marcus is known for its competitive APYs and no transaction fees.
8. Discover Online Savings – $150 Bonus – Earn $150 when you open an account and deposit at least $15,000 within 10 days. Discover offers excellent customer service and an easy-to-use online platform.
9. Synchrony Bank High Yield Savings – $100 Bonus – Get $100 by opening a Synchrony savings account with a $15,000 deposit and maintaining it for 90 days. Synchrony is well-regarded for its high rates and ATM access.
10. Capital One 360 Performance Savings – $100 Bonus – Earn $100 for opening a 360 Performance Savings account and depositing $10,000 within 45 days. Capital One combines solid interest rates with a sleek digital experience.
These savings account bonuses are perfect for those looking to build or grow their rainy day funds. Next up, let’s explore credit card sign-up bonuses that can also help you earn $100 or more.
Credit Card Sign-Up Bonuses with $100+ Rewards
Credit cards often offer lucrative sign-up bonuses in the form of cash back, points, or miles. These bonuses usually require you to spend a certain amount within a few months of account opening.
If you use credit cards responsibly and pay your balance in full each month, these offers can be a great way to earn extra rewards or cash. Let’s look at some of the best $100+ credit card bonuses available now.
11. Chase Freedom Unlimited® – $200 Cash Back – Earn $200 cash back after spending $500 in the first 3 months. This card offers 1.5% unlimited cash back on all purchases, making it a great everyday card plus a solid sign-up bonus.
12. Capital One Quicksilver Cash Rewards – $200 Bonus – Get $200 cash back after spending $500 within 3 months. It offers 1.5% cash back on every purchase, ideal for those who want simplicity and rewards.
13. Discover it® Cash Back – Dollar-for-Dollar Match – Discover matches all the cash back you earn at the end of your first year, which often exceeds $100 depending on your spend. Plus, it has rotating 5% cash back categories every quarter.
14. American Express Blue Cash Everyday® – $250 Bonus – Earn $250 back after spending $1,000 in the first 3 months. This card is great for families, offering 3% cash back at supermarkets and 2% at gas stations.
15. Citi® Double Cash Card – $200 Bonus – Receive $200 cash back after spending $1,500 in 3 months. The card offers 2% cash back on all purchases (1% when you buy, 1% when you pay), making it a top choice for straightforward rewards.
If you prefer rewards with your spending, these credit card bonuses are a smart way to earn $100 or more quickly. Now, let’s explore some specialty account bonuses tailored for students and young professionals.
Student and Young Professional Bank Bonuses
Many banks offer tailored bonuses to students and young professionals who are just starting their financial journey. These accounts typically have lower fees and requirements, making it easier to qualify while still earning a nice bonus.
If you’re a student or new to managing your money, these offers can help you save and build credit at the same time.
16. Boomerang Student Checking at First Republic – $100 Bonus – Open a student checking account and receive $100 after three debit card purchases. This account has no monthly fees and is designed for younger customers.
17. Chase College Checking – $100 Bonus – Earn $100 when you open a Chase College Checking account and set up direct deposits totaling $500 within 90 days. The account has no monthly fees for up to five years while you’re in college.
18. Bank of America Advantage SafeBalance Banking – $100 Bonus – Available for students, this account offers $100 when you enroll in Preferred Rewards or set up qualifying direct deposits. It’s a low-fee, simple checking option for new account holders.
19. PNC College Checking – $150 Bonus – Get $150 after setting up direct deposits totaling $500 within 60 days. PNC also offers tools geared toward budgeting and financial education for students.
20. U.S. Bank Student Checking – $100 Bonus – Earn $100 by opening a student checking account and completing two debit card purchases. The account offers no monthly fees for students under 24 and access to mobile banking.
These student and young professional bonuses are ideal for building your banking foundation without breaking the bank. Finally, let’s review some digital-only bank bonuses perfect for tech-savvy money managers.
Digital-Only Bank Account Bonuses
Digital-only banks have gained popularity for offering easy-to-use apps, low fees, and attractive sign-up bonuses. These accounts are perfect if you prefer managing your money on your phone and want quick access to bonuses.
Most digital banks don’t have physical branches but make up for it with superior technology and customer experience. Here are some standout digital-only bank bonuses worth considering.
21. Chime Spending Account – $100 Bonus – Chime offers a $100 bonus when you receive $500 or more in direct deposits within 45 days of opening the account. It’s known for no fees and early direct deposit access.
22. Varo Bank Account – $100 Bonus – Open a Varo Bank Account and get $100 after setting up direct deposits totaling $500 or more within 30 days. Varo offers no monthly fees and high-yield savings options.
23. Current Account – $100 Referral Bonus – Current offers $100 for referring friends who open and fund an account. It’s a great way to earn bonuses if you have a network of friends interested in digital banking.
24. SoFi Money – $100 Bonus – Get $100 when you open a SoFi Money account and deposit $500 within 30 days. SoFi combines easy-to-use banking with investment and loan products.
25. Simple (now part of BBVA) – $100 Bonus – Although Simple has merged with BBVA, new customers opening accounts during promotional periods can earn $100 after meeting direct deposit requirements. It’s a user-friendly option with budgeting features built in.
Digital banks continue to grow in popularity thanks to their convenience and bonuses. Now that you’ve seen the top sign-up offers across different types of accounts, it’s time to pick the one that fits your lifestyle best.
Ready to claim your bonus? Remember to read the fine print and meet all requirements to ensure you get your reward. Happy banking!
Bank sign-up bonuses are a great, hassle-free way to add some extra cash to your wallet. Whether you want a new checking account, a high-yield savings boost, or a rewarding credit card, there’s something here for you.
Take advantage of these offers by choosing the ones that best fit your financial goals and habits. The extra $100+ could be the nudge you need to jumpstart your savings or pay down debt faster.
We’d love to hear which bonuses you decide to go for or if you’ve had success with any of these offers. Drop a comment and share your experience!
