12 Best Bank Bonuses and Promotions of January 2025 (up to $3,000)

This bonus stands out for rewarding you if you set up a direct deposit as low as $500 — a much lower deposit requirement than that of other offers on our list. Tiered bonuses are also available, so the more you deposit, the more you can earn — up to $400.

What you'll get: $100, $200 or $400.

Expiration: 03/31/2025.

How to get it: Open a Virtual Wallet, Virtual Wallet with Performance Spend or Virtual Wallet with Performance Select account on the offer page or by bringing a coupon to a branch and receive a total of at least $500, $2,000 or $5,000 in qualifying direct deposits, respectively, within 60 days of opening the account. Opening a Virtual Wallet account and meeting the criteria will earn you $100; opening a Virtual Wallet with Performance Spend account and meeting the criteria will earn you $200; opening a Virtual Wallet with Performance Select account and meeting the criteria will earn you $400.

Where to open: Online.

Who can qualify: Anyone who does not currently have a PNC checking account, and has not closed a PNC account within the past 90 days or received a PNC promotional payment within the last 24 months. Availability may vary by your location; you can check your eligibility on the website.

When you’ll get it: The bonus will be credited to your account, which must be open, within 60-90 days after you’ve met the requirements.

This bonus offer allows you to earn a cash bonus with your choice of either a new combination checking-and-savings account or a new checking account only. Compared with other offers for similar accounts on our list, this one offers a good bonus amount for a lower minimum deposit.

What you'll get: $200.

Expiration: 03/31/2025.

How to get it: Open a new Virtual Wallet Checking Pro with a checking account only, or with both checking and savings on the offer page and receive a total of at least $2,000 in qualifying direct deposits within 60 days of opening the account.

Where to open: Online.

Who can qualify: Anyone who does not currently have a PNC checking account, has not closed an account within the past 90 days or received a PNC promotional payment within the last 24 months. Availability varies by location; you can check your eligibility on the website.

When you'll get it: The bonus will be credited to your account, which must be open, within 60-90 days after you’ve met the requirements.

This checking account bonus offers the chance to earn thousands of dollars if you’re able to deposit a large amount of money. But note that if you are aiming for the largest bonus tier, you’ll have to deposit more than what standard federal insurance covers, so you’ll have to strategize to protect all of your money. What you'll get: $1,000, $2,000 or $3,000.

Expiration: 01/22/2025.

How to get it: Open a new Chase Private Client Checking℠ account (or upgrade your existing Chase personal checking account) using the offer code emailed to you from the promotional page. Then transfer at least $150,000 in new money or securities to eligible checking, savings and/or J.P. Morgan Wealth Management accounts within 45 days, and keep the money in the accounts for at least 90 days. Deposit at least $150,000 to earn $1,000, $250,000 to earn $2,000 or $500,000 to earn $3,000.

Where to open: At a branch or by phone.

Who can qualify: Customers who meet with a Private Client Banker to open or upgrade to a Chase Private Client Checking℠ account. You may receive only one new Chase Private Client Checking℠ new money bonus or savings promotional rate offer in the 12 months from the last offer enrollment date. You are only allowed to receive one bonus per account.

When you’ll get it: The bonus will be deposited into your new checking account within 40 days of completing all the requirements.

This bonus offer is unique as it rewards you for opening (and direct depositing into) your choice of checking account at one of the largest banks in the U.S. You can choose to try and earn this bonus with one of three different accounts. This bank bonus is smaller and the bonus takes longer to be paid compared with other offers on our list, but requirements are straightforward.

What you'll get: $300 bonus.

Expiration: 01/31/2025.

How to get it: Open a new eligible Bank of America Advantage Banking account through the Bank of America promotional page. Use the code MNB300CIS when enrolling. Meet deposit requirements, including receiving Qualifying Direct Deposits* totaling $2,000 or more within 90 days of opening the eligible account (note that Bank of America Advantage SafeBalance Banking® for Family Banking accounts are not eligible for the offer). Your checking account must be open and in good standing to receive the bonus. Additional terms and conditions apply. See offer page for more details. Bank of America says: “*A Qualifying Direct Deposit is a direct deposit of regular monthly income – such as your salary, pension or Social Security benefits, which are made by your employer or other payer – using account and routing numbers that you provide to them.”

Where to open: Online.

Who can qualify: This is an online-only offer for new checking account customers only. Bank of America says: “You are not eligible for this offer if you were an owner or co-owner of a Bank of America personal checking account within the last twelve (12) months.”

When you’ll get it: Bank of America says: “Once all requirements are met, Bank of America will attempt to pay bonus within 60 days.”

The bonus isn’t as big as some others on this list, but this bank promotion could be a good option if you don’t want to meet a direct deposit requirement to earn a cash reward. Unlike most bank bonus offers on this list, the Chase Secure Banking bonus doesn’t require direct deposit. Instead, you’ll need to meet a minimum number of qualifying transactions such as debit card purchases and Zelle transfers, but you’ll have 60 days to meet the requirement.

What you'll get: $100.

Expiration: 01/22/2025.

How to get it: Open a Chase Secure Banking℠ account online or in person using a coupon emailed to you through the promotional page. You must complete 10 qualifying transactions within 60 days of opening the account.

Where to open: The checking account can be opened online or at a Chase branch (find a location near you).

Who can qualify: New Chase checking customers. You must not have had a Chase checking account within the last 90 days or had one closed with a negative balance in the last three years. In addition, you may receive only one new checking account opening bonus every two years from the last enrollment date, and you’re limited to one bonus per account.

When you’ll get it: The bonus will be deposited into your account within 15 days after the 10 qualifying transactions have posted.

This offer allows you to choose a checking account that works best for you — from basic (with no minimum balance requirement) to different levels of premium. You can earn cash by having direct deposits that meet a minimum requirement. Compared with similar offers that made our list, this checking account bonus is a fair offer — other offers require a much higher total deposit that Zelle deposits don’t count toward.

What you'll get: $325.

Expiration: 01/07/2025.

How to get it: Open a new eligible Citi checking account and enroll in the offer at the Citibank bonus page (or by contacting a bank representative in a branch). Then make a minimum of two Enhanced Direct Deposits, including Automated Clearing House (ACH) payments, deposits made using Zelle, and digital payments made using ACH via PayPal, Venmo or other payment service providers. The deposits must total at least $3,000 and be made within 90 days of opening the account.

Where to open: Open the new account online; enroll in the offer online or by contacting a bank representative in a branch.

Who can qualify: You must not have had a checking account with Citibank for the last 365 days to take advantage of the offer. You must also be at least 18 years old and provide a valid Form W-9 or Form W-8BEN. Your account must not be subject to backup withholding. ​​ When you’ll get it: You’ll receive the bonus within 30 days of meeting the requirements.

Monthly fee: See bank site for details.

This bonus offer is a good option if you want a checking account at one of the largest banks in the U.S. The checking account bonus is generous compared with the deposit requirement, especially when stacked against similar offers on our list.

What you'll get: $300.

Expiration: 01/08/2025.

How to get it: Open a new Wells Fargo Everyday Checking account through the promotional page or in a branch with a bonus offer code emailed to you from that page. (The minimum deposit to open is $25.) Then receive at least $1,000 in qualifying direct deposits into the account within 90 days of opening it. Throughout this time, your account must remain open with a balance greater than $0.

Where to open: Online or in a branch.

Who can qualify: You must not currently have a Wells Fargo consumer checking account or have received a bonus for opening one within the last 12 months or you are a Wells Fargo employee.

When you'll get it: You'll receive your bonus within 30 days of completing the 90-day qualification period.

This KeyBank bonus offer is a good reward for opening a competitive checking account. If you can meet the direct deposit minimum just once within the first couple months, you’ll earn the cash reward.

What you'll get: $300.

Expiration: 05/16/2025.

How to get it: Open a Key Smart Checking account online promotional page with a deposit of at least $10. Within the first 60 days of opening the account, make at least one direct deposit of $1,000 minimum. Your account must be open and in good standing in order to receive the bonus.

Where to open: The checking account can be opened online.

Who can qualify: Customers who have not previously received a KeyBank account sign-up bonus and have not been a primary account owner of a personal checking account at the back in the past 12 months. Offer is only available in these states: Alaska, Colorado, Connecticut, Idaho, Indiana, Maine, Massachusetts, Michigan, New York, Ohio, Oregon, Pennsylvania, Utah, Vermont and Washington.

When you’ll get it: The checking account bonus will be deposited into your account within 60 days after you complete the requirements.