21 Best New Bank Account Promotions & Offers for July 2023

Open a new BMO Harris Premier^TM Account by September 15, 2023, and get a $500 cash bonus when you receive a total of at least $7,500 in qualifying direct deposits within the first 90 days your account is open.

That’s it — it’s that simple.

Disclaimer: This new checking account offer is limited to one per customer. It’s not available to current BMO Harris personal checking customers nor previous customers who closed a BMO Harris personal checking account within the past 12 months.

You can open your account online or at a BMO Harris branch. Accounts are subject to approval. Member FDIC.

This offer is even easier to earn than the BMO Harris Premier^TM Account opportunity. Just do the following to get your $300 cash bonus:

• Open a new BMO Harris Smart Advantage^TM Account by September 15, 2023.
• Get a $300 cash bonus when you receive a total of at least $4,000 in qualifying direct deposits within the first 90 days your account is open.

Disclaimer: This offer is limited to one per customer. It is not available to current BMO Harris personal checking customers, nor those who’ve had one within the past 12 months.

Open your account online or at a BMO Harris branch, subject to approval. Member FDIC.

Through July 23, 2023, you can earn a checking account bonus worth up to $2,000 when you open a Citi Priority Account package — which includes a checking and savings account — and complete all required activities. Here’s how:

• Open new eligible Citi Priority checking account during the offer period (through July 23, 2023).
• Make a qualifying deposit of funds new to Citi between the checking and savings accounts within 20 days of account opening. The bonus tiers at right show what your deposit could earn.
• Keep a minimum balance equal to or greater than your initial deposit between the two accounts for 60 consecutive calendar days after the 21st day.
• If your balance falls to a lower tier at any point during the maintenance period, the bonus changes.

After completing all qualifying activities, you’ll receive the bonus in your account within 30 calendar days. You must apply from the offer page linked below to earn this offer. This offer is available nationwide.

Moving forward, enjoy additional Citi Priority Account benefits like fee-free access to 70,000+ Citi ATMs, travel and global benefits, and investment guidance and resources from Citi Personal Wealth Management.

Disclaimer: You must maintain a balance of $30,000 or greater in all eligible linked Citi® accounts, including linked deposit, retirement and investment accounts, to avoid the $30 monthly service fee on the Citi Priority Account Package.

Bank of America Advantage Banking is a checking account with three settings: Advantage SafeBalance, Advantage Plus, and Advantage Relationship. Pick the one that works for you right now, and if your life changes, switch to another setting that fits the new you. It’s that simple.

• Easy, Anytime Access: Visit Bank of America at thousands of financial centers and ATMs.
• 24/7 Security: Total Security Protection® and fraud monitoring.  Secure sign-in, card locking features and more.
• Convenient Ways to Pay: Use your debit card or a digital wallet.
• Smart Money Management Tools: Set custom alerts and savings goals.  Get cash back deals and rewards customized for you.
• Unauthorized Transactions: Bank of America’s $0 Liability Guarantee means that you’re not liable for unauthorized transactions made using your consumer debit card, as long as you report them promptly.
• Debit Card Controls: Temporarily lock a misplaced card quickly and easily to help prevent unauthorized use.
• Custom Alerts:  Know now and react fast to important account changes.  You can set custom alerts via email or text for things like a low balance, a pending deposit, an upcoming bill and more.

Bank of America, N.A. Member FDIC.

For a limited time, you can earn a bonus worth up to $400 when you open a new PNC Virtual Wallet and complete qualifying activities.

To qualify, you must open your account by August 31, 2023. You must also make a qualifying direct deposit(s) within the first 60 days your account is open.

The bonus tiers at right show how much you can earn with an eligible deposit to your Virtual Wallet’s Spend account.

Disclaimer: Your bonus will be credited to the eligible account within 60 to 90 days after you’ve met all conditions. Your Virtual Wallet product must remain open in order for you to receive the reward.

This offer is available in AL, AZ, CA, CO, DC, DE, FL, GA, IL, IN, KY, MD, MI, NC, NJ, NY, NM, OH, PA, SC, TX, VA, WI, and WV.

Virtual Wallet with Performance Select is offered in the state of MO with the exception of the Crossroads Solution Center in Kansas City. Offer is contingent on product availability and may vary based on your address and where and how you open your account.

If you’re located in AR, CT, ID, IA, KS, LA, ME, MA, MN, MS, MT, NE, NV, NH, ND, OK, OR, RI, TN, UT, VT, WA, or WY you can receive a $200 bonus with the PNC Virtual Wallet Checking Pro account.

Open a new Chase Total Checking® account to earn one of the easiest bank account opening bonuses available.

All you have to do is open your account by July 19, 2023 and set up direct deposit within 90 days of coupon enrollment. You’ll receive your $200 bonus within 15 business days.

Disclaimer: This offer is available online nationwide, except for residents of AK, HI, and PR.

The $12 monthly maintenance fee is waived if you meet at least one of the criteria at right in each monthly statement period.

Earn $300 when you open a new U.S. Bank Smartly® Checking account online and complete qualifying activities. Subject to certain terms and limitations. Offer valid through July 11, 2023. Member FDIC.

Complete these steps within 90 days of opening your new Bank Smartly® Checking account online:

• • Complete two or more direct deposits of $6,000 or more
  • Enroll in online banking or the U.S. Bank Mobile App

Applicant must reside in AZ, AR, CA, CO, ID, IL, IN, IA, KS, KY, MN, MO, MT, NE, NV, NM, NC, ND, OH, OR, SD, TN, UT, WA, WI, or WY to be eligible for a new Bank Smartly® Checking account. Member FDIC.

Moving forward, enjoy additional features and benefits like:

• • No ATM transaction fees or surcharge fees at U.S. Bank and MoneyPass® Network ATMs
  • Manage cash easily with automated budgeting and ways to save in a #1 rated mobile app
  • Send money with Zelle®
  • No fee overdraft protection transfers from a linked deposit account, $50 overdrawn Available Balance safety threshold and Overdraft Fee Forgiven program
  • Get access to U.S. Bank Smart Rewards™ and take advantage of additional benefits

Member FDIC

For a limited time, you can earn a $225 cash bonus when you open a new eligible Fifth Third checking account and complete qualifying activities. Here’s how it works:

• Open your new eligible account by June 30, 2023.
• Automatically activate your offer when you click “Open an Account” on the landing page, OR
• Enter your email to get your $225 offer code and bring it to any Fifth Third branch to open your account in person.
• Make qualifying direct deposits totaling $500 or more within 90 days of account opening.

That’s it. Just look out for the $225 bonus in your account within 10 days of completing qualifying activities.

Disclaimer: Terms apply. See offer page for details.

For a limited time only, apply for your first Discover Online Savings Account to take advantage of an opportunity to earn a $150 or $200 account opening bonus. Here’s how it works:

• Apply for your first Discover Online Savings Account online, by phone, or through the Discover app by September 14, 2023, using the offer code MC623.
• Fund the account with qualifying cumulative deposits within 60 days of the account opening date. Deposit must be posted to account within 30 days of account open date.
• The total cumulative funding amount must be at least $15,000 to qualify for a bonus. The bonus tiers at right show how much your funding amount could earn as a bonus.

See advertiser website for complete details.

To get your $150 or $200 Bonus: What to do: Apply for your first Discover Online Savings Account, online, in the Discover App or by phone. Enter Offer Code MC623 when applying. Deposit into your account a total of at least $15,000 to earn a $150 Bonus or deposit a total of at least $25,000 to earn a $200 Bonus. Deposit must be posted to account within 30 days of account open date. Maximum bonus eligibility is $200.

What to know: Offer not valid for existing or prior Discover savings customers or existing or prior customers with savings accounts that are co-branded, or affinity accounts provided by Discover. Eligibility is based on primary account owner. Account must be open when bonus is credited. Bonus will be credited to the account within 60 days of the account qualifying for the bonus. Bonus is interest and subject to reporting on Form 1099-INT. Offer ends September 14, 2023, 11:59 PM ET. Offer may be modified or withdrawn without notice.

For a limited time, you can earn a bonus worth up to $3,000 when you open a new Chase Private Client Checking account and complete qualifying activities.

The bonus amount depends on the amount of new money or securities you transfer into a combination of eligible Chase checking, savings and/or investment accounts. You must deposit at least $150,000 in new money or securities to earn the minimum bonus ($1,000). See bonus tiers at right.

Eligible accounts exclude Chase business checking and savings accounts, any J.P. Morgan Self-Directed Investing & Automated Investing accounts, J.P. Morgan Wealth Management retirement accounts, and CDs.

To earn a bonus, do the following:

• Meet with a Chase Private Banker at a Chase branch to open your account by July 19, 2023
• Within 45 days of coupon enrollment, transfer an eligible amount of new money or securities to a combination of eligible checking, savings and/or investment accounts. Your bonus will be determined on day 45.
• Maintain the balance for at least 90 days from coupon enrollment.

Your bonus will be deposited in your account within 40 days of completing these qualifying activities.

Chase Private Client has no monthly service fee when you keep an average beginning day balance of $150,000 or more in any combination of this account and linked qualifying Chase checking, savings and other balances, OR
have a linked Chase Platinum Business Checking account.
Otherwise, a $35 monthly service fee will apply.

Apply online for a new TD Bank Beyond Checking account to take advantage of one of the simplest bank account bonus offers around.

All you need to do to get your $300 cash bonus is receive direct deposits totaling $2,500 or more within 60 days of account opening. You must also be a U.S. resident and apply for this offer online.

Disclaimer: This offer is available to residents of the following states only: CT, DE, DC, FL, ME, MD, MA, NH, NJ, NY, NC, PA, RI, SC, VT, VA.

TD Bank waives Beyond Checking’s $25 monthly maintenance fee in statement cycles when you meet any of criteria at right.

As an alternative to the TD Bank Beyond Checking offer above, you can apply online for a new TD Bank Convenience Checking account, which has a much lower minimum balance requirement to avoid the monthly maintenance fee. You’ll get a $200 cash bonus once you receive direct deposits of more than $500 within 60 days.

To qualify for this offer, you must be a U.S. resident and apply for the offer online.

Students and young adults ages 17 through 23 qualify for additional perks, such as no monthly maintenance fee and no minimum balance requirements.

Disclaimer: This offer is available to residents of the following states only: CT, DE, DC, FL, ME, MD, MA, NH, NJ, NY, NC, PA, RI, SC, VT, VA.

If you’ve never had a Wealthfront account, now’s your chance to earn a tidy $30 bonus when you open one.

All you have to do is open your account using the link on this page, transfer at least $500 in new funds into it, and look for the bonus in your account shortly after.

This offer is only available to people who’ve never had a Wealthfront Cash or Wealthfront Brokerage account. Other restrictions may apply; see terms for complete details.

Money Crashers, LLC receives cash compensation from Wealthfront Advisers LLC (“Wealthfront Advisers”) for each new client that applies for a Wealthfront Automated Investing Account through our links. This creates an incentive that results in a material conflict of interest. Money Crashers, LLC is not a Wealthfront Advisers client, and this is a paid endorsement. More information is available via our links to Wealthfront Advisers.

If you own a small business — including a sole proprietorship — then you may qualify for a bonus worth up to $500 bonus on a new Chase Business Complete Checking account.

To qualify for this opportunity, simply use the link here to open your new account by August 3, 2023 and complete qualifying activities. The offer page has more details on those.

This offer is available online nationwide, except for residents of AK, HI, and PR.

The Chase College Checking Account is the best bank account for students between the ages of 17 and 24 — not least because it has a category-leading bonus opportunity for new Chase customers.

When you open a new account, you may qualify for a $100 account opening bonus after completing qualifying activities. The offer page has more details on those

But you have to act fast, as this is a limited-time offer — valid only through July 19, 2023.

Disclaimer: Terms apply. See offer page for more details.

Through June 30, 2023, U.S. Bank is offering the opportunity to earn up to a $750 bonus when you open an eligible new business checking account online with promo code Q2AFL23 and complete qualifying activities¹, subject to certain terms and limitations.

The eligible accounts are:

• Silver Business Checking Package
• Gold Business Checking Package
• Platinum Business Checking Package

Complete these steps to earn a $500 bonus offer:

• Make a deposit of at least $5,000 in new money within 30 days of account opening and maintain the balance until the 60th day after account opening.
• Enroll in U.S. Bank business online banking or the U.S. Bank mobile app within 60 days of account opening.

Complete these steps to earn a $750 bonus offer:

• Make a deposit of at least $15,000 in new money within 30 days of account opening and maintain the balance until the 60th day after account opening.
• Enroll in U.S. Bank business online banking or the mobile app within 60 days of account opening.

Deposit products offered by U.S. Bank National Association. Member FDIC.

¹See offer page for more details.

For a limited time, you can earn a $100 bonus when you open a new Chase Secure Banking^SM account and complete qualifying activities.

You must open your account by July 19, 2023 and complete qualifying activities within 60 days of coupon enrollment to earn the bonus.

The biggest hoop to jump through is a requirement to complete 10 qualifying transactions within 60 days.

You’ll receive your $100 bonus within 15 business days after the qualifying transactions have posted to your account.

Disclaimer: Open your account online or in-branch. This offer is available nationwide, but additional terms may apply. See offer page for more details.

You can earn a checking account bonus worth up to $2,000 when you open a qualifying Citigold® Checking Account and complete qualifying activities. This offer is available to new account holders located in all 50 states.

To qualify, open your account by July 23, 2023.

Then, within 20 days of account opening, make a qualifying deposit in new-to-Citi funds between your new checking and savings accounts.

For at least 60 consecutive calendar days after the 21st day, maintain a minimum balance equal to or greater than your minimum deposit between your checking and savings accounts. If your balance falls to a lower tier at any point during the maintenance period, your bonus changes.

That’s it. Once you’ve completed the qualifying activities, you should see the bonus deposited in your open, eligible account within 30 calendar days.

Moving forward, enjoy access to 70,000+ fee-free ATMs in the U.S. and no Citi fees at non-Citi ATMs. Plus, enjoy access to a world-class investment platform and complimentary financial planning through Citi Personal Wealth Management.

Disclaimer: There is no monthly service fee. However, to maintain Citigold® Checking Account eligibility, you must maintain a minimum combined average monthly balance of $200,000 in eligible linked banking, retirement, and investment accounts.

Open a new SoFi Checking and Savings account by December 31, 2023, and complete qualifying activities to earn a cash bonus worth up to $250.

To get started, set up direct deposit from a qualifying payer.

You must receive at least one qualifying direct deposit — and a minimum of $1,000 in total deposits — within the 25-day qualification period. The bonus tiers at right show how much you could earn based on your cumulative direct deposits during the period.

Disclaimer: This offer is available to new and existing SoFi users who’ve never been enrolled in direct deposit with SoFi. See terms for additional details.

For a limited time, you may qualify for a $200 welcome bonus when you apply for and open a new Axos Bank Basic Business Checking account.

If you’re a new business incorporated after June 1, 2020, you can apply for your new Axos Bank Basic Business Checking account using the promo code “NEWBIZ200” and receive a $200 account opening bonus. Qualifying activities may apply.

If you’re not a new business, you can still earn a $100 bonus when you open a new account. Just apply for the account and use the promo code “NEWAXOSBIZ”. Qualifying activities may apply.

After meeting all bonus requirements, you should receive your bonus within five business days of your third statement cycle date.

Disclaimer: Your account must remain open for at least 180 days to avoid the $50 early closing fee. Additional terms may apply; see offer page.

Need a new business banking solution? Brex makes it easy to simplify your finances with corporate cards, rewards, banking alternatives, and spend management — all in one place.

We’ve teamed up with them to give you a special offer when you open a new account using our link and complete qualifying activities.

Within the first 30 days, spend $3,500 on your Brex card to get 30,000 points, or spend $9,000 to get 50,000 points. Plus, get $5,000 AWS Credits and access to as much as $180,000 in SaaS discounts.

Disclaimer: Additional terms apply. See offer page for details.