Best Nationwide Bank Bonuses Right Now
Bank bonuses are a great way to make some extra money throughout the year. You can often do so from the comfort of your home. In this list I will include the best nationwide bank bonuses available right now.
Make sure to read each offer thoroughly and keep track of all the bonuses you apply for, including important information such as requirement, application and account closing dates, and more. Keeping a spreadsheet and being organized will help you in the long run.
Now let’s take a look at the bonuses that are available this month.
6 Best Nationwide Bank Bonuses – November 2024
Here are the quick links to the offers. There is more detail for each below:
- Citi Checking – up to $1,500 bonus
- PNC Business Checking – up to $1,000 bonus
- Chase Checking/Savings – $900 bonus
- US Bank Business Checking – $900 bonus
- Wells Fargo Checking – $525 bonus
- SoFi Checking/Savings – up to $530 bonus
Citi – Up to $1,500
Open a new Checking Account and earn a cash bonus of up to $1,500 when you complete required activities:
- $500 bonus requires $30,000 minimum deposit
- $1,500 bonus requires $200,000 minimum deposit
Citi Bonus
Important Details
- Offer ends January 7, 2025
- Must not currently have or have had a Citibank consumer checking account within last 180 calendar days.
- Complete required deposit within 30 calendar days of checking account opening, and maintain for 60 consecutive calendar days from the date the Minimum Deposit is met (“Minimum Balance”). The Minimum Balance may be held entirely in one of the Eligible Accounts or across both of the Eligible Accounts.
- Read more details here.
PNC – Up to $1,000
$200 bonus:
- Open a qualifying Business Checking or Business Checking Plus account.
- Maintain an average cycle balance of $5,000 in your new checking account for each of the first three statement cycles;
- 20 total qualifying PNC Bank Visa Debit card transactions must be made within the first three statement cycles.
$500/$1,000 bonus:
- Open a qualifying Treasury Enterprise Plan or Analysis Business Checking account.
- $500 bonus: Maintain a minimum average cycle balance of $30,000 for each of the first three statement cycles.
- $1,000 bonus: Maintain a minimum average cycle balance of $100,000 for each of the first three statement cycles.
Important Details
- Offer ends December 31, 2024
- New account will not be eligible for offer if any signer has signing authority on an existing PNC Bank business checking account or has closed an account within the past 90 days, or has been paid a promotional premium in the past 12 months.
- Read more details here.
Chase – $900
Here’s how this offer works:
- Get $300 for new Chase Checking customers who open a CHASE TOTAL CHECKING® account and set up Direct Deposit.
- Get $200 for opening a new Chase Savings account, depositing a total of $15,000 or more in new money within 30 business days, and maintaining a $15,000 balance for 90 days. (not the best offer)
- OR get $900 for both (an extra $400)
Chase Bonus
Important Details
- Offer ends January 22, 2025
- You are eligible for one bonus every two years.
- Checking offer is not available to existing Chase checking customers. Savings offer is not available to existing Chase savings customers. Both offers are not available to those with fiduciary accounts, or those whose accounts have been closed within 90 days or closed with a negative balance within the last 3 years.
- Read more details here.
US Bank – $900
In order to earn the bonus you need to:
- Open a new U.S. Bank Silver, Gold, Gold with Interest or Platinum Business Checking account with the promo code Q4DIY24.
- Deposit new money within 30 days of account opening and maintain your balance for 60 days after the account opening. Your bonus is determined by the total amount of your deposits:
- Earn $400 when you deposit $5,000.
- Earn $900 when you deposit $30,000.
- Enroll in US Bank Online Banking or the US Bank Mobile App within 60 days of account opening.
Chase Bonus
Important Details
- Offer ends January 15, 2025
- Offer is available in states with US Bank branches, or for customers with existing banking relationship.
- Offer is not valid if you or any signer on the new business checking account have an existing U.S. Bank Business Checking account or had a U.S. Bank Business Checking account in the last 24 months.
- Read more details here.
SoFi Checking/Savings – Up to $530
SoFi is now offering up to 4.60% APY for its SoFi Checking & Savings account for all members who have direct deposit. Additionally you can earn a bonus of up to $500. $300 comes from SoFi and another $200 from Swagbucks.
- $300 bonus requires $5,000 Direct Deposit within 30 days.
- $200 Swagbucks bonus requires $400 Direct Deposit.
Important Details
- Offer ends November 30, 2024.
- Members who previously enrolled in direct deposit into either SoFi Money or SoFi Checking and Savings, whether currently still enrolled or not, do not qualify for this Direct Deposit Promotion.
- Read more details here.
Wells Fargo Savings – $525
Here are the requirements for this Wells Fargo bonus:
- Open a new Wells Fargo consumer savings account with a minimum opening deposit of $25 in a Wells Fargo branch.
- Bring $25,000 or more in new money to your new savings account by Day 30 and maintain at least a $25,000 balance through Day 90 after account opening.
Important Details
- Offer ends January 7, 2025.
- You are not eligible for this offer if you are a current owner of a Wells Fargo consumer checking account, or have received a bonus for opening a Wells Fargo consumer checking account within the past 12 months.
- Read more details here.
Final Thoughts
Hopefully this list of best nationwide bank bonuses gives you some ideas and options to pick up a little extra money. If you took advantage of all of these bank bonus offers you would bring in over $3000. Remember that these earnings will be taxed as interest income at the end of the year. We will update this post monthly so be sure to bookmark it and check back regularly for new offers.
Which is your favorite nationwide bank bonus offer? Also let us know if you have any data points about these offers, or come across any other bonuses that are not listed above.
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With utility companies such as T-Mobile recently terminating monthly auto pay discounts for credit card payments, what bank checking account offer similar perks that some credit cards offer such as cell phone insurance?
Is the juice worth the squeeze though? Let’s take the headline Citi offer an an example. $300,000 for 60 days gets you $2,000. That’s 2/3 of a percent. If you got that on an annualized basis without compounding the interest you’d get 4% interest. I can do better than that with a lot of banks without the hassle of opening and closing accounts or possibly getting Citi pissed at me and closing my credit cards.
There’s definitely a different value proposition in a higher interest-rate environment. I’m getting >5% at UFB so I’m parking my cash there for the short-term.
Amex offer: my P2 got 60,000 in December for the same offer.
Will a larger offer likely come back?
Anyone know if the Chase offer is over with? I am getting a non-working link.
I was just approved for the new no-fee Autograph Visa from Wells Fargo. Received an offer in the mail. It offers 30,000 points after spending $1,500 in 3 months and pays out 3x points on travel, restaurants, gas stations, and streaming services.
Currently working on the US Bank bonus, and will hit up Wells Fargo before March 31st once those direct deposit dollars free up when I wrap up US Bank.
Funny story, my wife got a little mad at how much I made on bank bonus signups and how it was “ruining” our tax refund. Lol
Can someone clarify with the Citi offers, specifically in the following term: “Must not currently have or have had a Citibank consumer checking account within last 180 calendar days”.
Does this mean if I have a current Citi checking account, I am not allowed to open a new one for the bonus, OR, do they mean if you have opened a consumer checking account within the last 180 days?
Both. You can’t currently have an account, nor can you have opened an account in the last 180 days.
What is upsetting to me is that they want you to do the qualifying direct deposits within 60 days. When social security is your only direct deposit it makes it impossible due to the fact you need to open the account first and then a change to where your SS gets deposited. They kill all us seniors because of that.
Yes. Same with my pension. It’s like flipping a coin, even if you specifically time it. And with a pandemic, I think it’s a toss up for anyone to know for sure.
I didnt read the fine print but some of these direct deposit transfer criteria you can simply wire in cash from a different bank and it will count as a direct deposit. I believe doctor of credit website has an entire detailed page on which banks this can be done with. If not just google it and it will come up.
See “List of Methods Banks Count as Direct Deposits.”
https://www.doctorofcredit.com/knowledge-base/list-methods-banks-count-direct-deposits/
How long do you have to keep the account open? Can you close it after 6-8 months?
Wait for bonus to post – until then do not close the citi account
Convert it to a lower balance needed no fee account after 75 days
Close after bonus posts
Hi. Thanks for positing this.
If I transfer money every month from one of my bank accounts to the I’ll open with Citybank or Chase. Does that count as a direct deposit?
Thank you.
An ACH transfer from one bank account to another can sometimes count as a direct deposit, but most often only deposits from payroll or government benefits count as direct deposits.
What is the best way to close the Chase saving once you’ve met the criteria? Transfer money then call or transfer then message them…?
Any idea if you’re eligible for Chase if you’ve recently received the chase business bank bonuses?