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The Banks Pay You: Earn Hundreds With These Nationwide Bank Bonuses (July)

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Best Nationwide Bank Bonuses

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 – July 2024

Here are the quick links to the offers. There is more detail for each below:

Best Nationwide Bank Bonuses

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 October 8, 2024
  • 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.

Best Nationwide Bank Bonuses PNC

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.

PNC Bonus

Important Details

  • Offer ends September 30, 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.

a black text on a white background

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)

Important Details

  • Offer ends July 24, 2024
  • 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.

a blue and white logo

US Bank – $800

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 Q1AFL24.
  • 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 $350 when you deposit $5,000.
    • Earn $800 when you deposit $25,000.
  • Enroll in US Bank Online Banking or the US Bank Mobile App within 60 days of account opening.

Important Details

  • Offer ends August 30, 2024
  • 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.

a blue and black logo

SoFi Checking/Savings – Up to $500

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.

SoFi Bonus

Important Details

  • Offer ends July 31, 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.

a red sign with yellow letters

Wells Fargo Savings – $525

Here are the requirements for this Wells Fargo bonus:

  1. Open a new Wells Fargo consumer savings account with a minimum opening deposit of $25 in a Wells Fargo branch.
  2. 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.

Wells Fargo Bonus

Important Details

  • Offer ends July 9, 2024.
  • 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.

Disclosure: Miles to Memories has partnered with CardRatings for our coverage of credit card products. Miles to Memories and CardRatings may receive a commission from card issuers.

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Opinions, reviews, analyses & recommendations are the author’s alone, and have not been reviewed, endorsed or approved by any of these entities.
Based in NYC. Points/miles enthusiast for years and actively writing about it for the last 6+ years at Danny the Deal Guru. I'm always looking out for deals. Making a few bucks is always nice, but the traveling is by far the best part of this business.

Responses are not provided or commissioned by the bank advertiser. Responses have not been reviewed, approved or otherwise endorsed by the bank advertiser. It is not the bank advertiser's responsibility to ensure all posts and/or questions are answered.


  1. 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?

  2. 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.

  3. 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.

  4. 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

  5. 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?

  6. 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.

  7. 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

  8. 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.

  9. 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…?


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