Are you looking to maximize your earnings in 2025? Look no further! This buying guide reveals the top online banks with the best sign – up bonuses. According to a Forbes Advisor study and WalletHub, banks like Huntington Bank, offering up to $1,000, and TD Bank with $200 – $300, are vying for your business. Compare premium vs counterfeit offers and find the best deal. With a best price guarantee and free installation included in some cases, it’s a win – win. Don’t miss out on these limited – time promotions!

Sign – up Bonus Amounts

Did you know that some banks are offering hefty sign – up bonuses in 2025, enticing customers to open new accounts? According to a Forbes Advisor study that examined 58 promotions from 29 financial institutions, there are numerous opportunities for account holders to earn extra cash just by opening a new account.

Individual Bank Bonus Amounts

Huntington Bank: $1,000

Huntington Bank stands out with an impressive $1,000 sign – up bonus. For example, if a small business owner is looking for a new banking partner, opening an account with Huntington could result in a significant financial boost right off the bat. Pro Tip: Before opening an account, make sure to carefully read the terms and conditions. There may be specific requirements such as minimum deposit amounts or a certain number of transactions within a set period.

TD Bank: $200 – $300

TD Bank offers sign – up bonuses in the range of $200 – $300. For instance, a young professional who is just starting to manage their finances might find TD Bank’s $200 bonus for opening a TD Complete Checking account very appealing. If the direct deposit requirements are a little too steep for the TD Beyond Checking bonus, TD Bank also offers a lower – requirement bonus for the TD Complete Checking account. As recommended by financial comparison tools, TD Bank’s bonuses can be a great addition to your financial planning. Pro Tip: Keep track of the bonus expiration date and ensure you meet the requirements in a timely manner.

U.S. Bank: $500 – $900

U.S. Bank has a variety of bonus offers, with amounts ranging from $500 to $900. For example, a business owner can earn a $500 bonus when opening a U.S. Bank Business Essentials Account or a whopping $900 when opening a Platinum Business Checking Account online with promo code Q2AFL25 and completing qualifying activities. The key is to make a deposit of new money within 30 days and maintain the balance for a specified period. Try using an online calculator to see how these bonuses can impact your business’s bottom line. Pro Tip: If you’re eligible for multiple U.S. Bank accounts, compare the bonus requirements and choose the one that best fits your financial situation.

Common Sign – up Bonus Ranges

While the individual banks mentioned above offer specific bonus amounts, there are common sign – up bonus ranges across the industry. Most banks offer bonuses between $100 – $500 for personal checking or savings accounts. For business accounts, the range can be higher, often between $500 – $1500.
Here is a comparison table of some common banks and their sign – up bonus ranges:

Bank	Personal Account Bonus Range	Business Account Bonus Range
Huntington Bank	Not specified	$1,000
TD Bank	$200 – $300	Not specified
U.S. Bank	Not specified	$500 – $900

Key Takeaways:

1. Different banks offer varying sign – up bonus amounts, so it pays to do your research.
2. Each bonus comes with specific requirements, such as minimum deposits and transaction volumes.
3. Comparing bonus ranges can help you choose the bank that offers the best financial incentive for your needs.

Sign – up Bonus Requirements

According to a Forbes Advisor study that examined 58 promotions from 29 financial institutions, many banks offer lucrative sign – up bonuses, but they come with specific requirements. Understanding these requirements can help you maximize your earnings from these banking promotions in 2025.

Time Frames to Meet Requirements

U.S. Bank Silver Business Checking Account

If you’re interested in the U.S. Bank Silver Business Checking Account, you have a limited time to meet the bonus requirements. Offer valid through June 30, 2025, you must deposit $5,000 or more in new money within 30 days of account opening. For example, if you open the account on May 1st, you need to deposit the required amount by May 31st to be eligible for the bonus.
Pro Tip: Set up reminders on your phone or calendar to ensure you don’t miss the deposit deadline.

SoFi

SoFi offers a great bonus opportunity, but it also has a specific time frame. You must receive eligible direct deposits of $5,000 or more within 25 days of account opening. This means that if you open a SoFi account on June 1st, you have until June 25th to have the direct deposits hit your account. A case study showed that a user who planned their direct deposits carefully was able to meet this requirement and received a substantial bonus.
As recommended by WalletHub, which compared over 250 checking and savings accounts, SoFi is a top – performing solution in terms of bonus offers and account features.

Key Smart Checking ® Account

The Key Smart Checking ® Account has a different time frame. Until October 17, 2025, you need to have at least $1,000 or more in eligible direct deposits within the first 90 days of account opening. For instance, if you open the account on July 1st, you have until September 29th to reach the direct deposit threshold. Once you meet the offer requirements, you’ll receive a $300 cash bonus within 60 days.
Try our bonus eligibility calculator to see if you can meet these time – based requirements for different accounts.

Additional Requirements

Apart from the time – based requirements, there are often other conditions to meet. Some accounts may require you to maintain a certain balance for a specific period. For example, some offers may ask you to maintain a minimum balance of $25,000 for 120 days after opening the account. Others may require you to set up and receive a certain number of direct deposits, like two direct deposits each of $500 or more.
It’s also important to note that in some cases, such as joint accounts, only the primary account holder may be eligible for the bonus. Make sure to read the fine print of each offer to understand all the additional requirements.
Key Takeaways:

• Different banks have different time frames for meeting sign – up bonus requirements, ranging from 25 days to 90 days.
• Be aware of additional requirements such as maintaining a minimum balance and the number of direct deposits.
• Always read the terms and conditions carefully, especially for joint accounts where bonus eligibility may be restricted.

Online Banks Offering Sign – up Bonuses in 2025

According to a Forbes Advisor study, which examined 58 promotions from 29 financial institutions, online banks are increasingly competitive when it comes to sign – up bonuses. These incentives are a great way for consumers to get extra value when opening a new account. Let’s explore some of the top online banks offering sign – up bonuses in 2025.

Capital One 360 Checking

Capital One 360 Checking is offering an attractive sign – up bonus.

Chime

Chime stands out not only for its bonus but also for its user – friendly features.

Features:

• Sleek user experience: Chime offers a modern and intuitive interface, making it easy for users to manage their accounts.
• No monthly/overdraft/minimum balance fees: This eliminates common banking costs, saving you money in the long run.
• Free ATM access: With access to a large network of ATMs, you can withdraw cash without incurring extra fees.
• Early direct deposit: Get your paycheck up to two days early, which can be a significant advantage for those on a tight budget.
• Credit builder option: You can opt to use Chime’s credit builder feature, which helps you build credit history.
  Case Study: John, a young professional, switched to Chime. He appreciated the early direct deposit as it allowed him to pay his bills on time. Plus, the lack of fees meant he could save more of his hard – earned money.
  Top – performing solutions include Chime for those looking for a fee – free and convenient banking option.

SoFi

SoFi is a comprehensive online banking option with a generous sign – up bonus.

Discover

Discover is well – known for its credit card offers, but it also has a great online savings account promotion. To qualify for the bonus, apply for your first Discover Online Savings Account, enter Offer Code TMF325 at application, and deposit into your Account a total of at least $15,000 to earn a $150 Bonus.

American Express

Through its Salt Lake City – based consumer banking subsidiary, American Express National Bank, offers online high – yield savings accounts and Certificates of Deposit. For the American Express Rewards Checking Account, open your first account in your name by 11:59PM MST on 04/15/2025, and have two separate Qualifying Direct Deposits, each in the amount of $1,000 or more, posted to your account within the first 90 days of account opening. The American Express® Business Checking offers 30,000 Membership Rewards® Points (worth $240 if deposited) when you open a Business Checking account.

U.S. Bank

U.S. Bank has multiple business checking account bonuses. To earn a $500 bonus, open a new Business Essentials account between 04/03/2025 and 06/30/2025, make deposit(s) of at least $5,000 in new money within 30 days of account opening, and thereafter maintain a daily balance of at least $5,000 until the end of the promotion. A $900 bonus is available for opening a Platinum Business Checking account during the same promotional window (April 3 to June 30, 2025). Use promo code Q2AFL25 when applying online, then deposit $25,000 in new money within 30 days and maintain that balance for 60 days.

BMO

Open a new BMO Smart Advantage Checking account or BMO Smart Money Checking account by September 8, 2025, and get a $400 cash bonus when you have a cumulative total of $4,000 in qualifying direct deposits within 90 days of account opening.
Key Takeaways:

• Online banks are offering a variety of sign – up bonuses in 2025, from cash rewards to points.
• Each bank has its own set of requirements to qualify for the bonus, so it’s important to read and understand them before opening an account.
• Consider your own banking needs, such as direct deposit frequency and balance requirements, when choosing an online bank.

Specific Bank Opening Bonus Requirements

According to a Forbes Advisor study that examined 58 promotions from 29 financial institutions, banks are increasingly offering attractive sign – up bonuses to entice new customers. These bonuses can significantly add to your financial gain when opening a new account.

Bask Bank

Mileage Savings Account: 10,000 AAdvantage®️ Bonus Miles

To earn 10,000 AAdvantage®️ Bonus Miles with Bask Bank’s Mileage Savings Account, you must meet several conditions. First, you should be a new customer, meaning you have not previously opened a Bask Mileage Savings Account. Second, you need to meet Bask Bank’s qualifications to open an account. Third, complete the online account opening process between March 1, 2025, and May 31, 2025. Practical example: John, a frequent traveler, opened a Bask Mileage Savings Account during the offer period and met all the requirements. He was able to redeem his 10,000 miles for a domestic flight, saving him hundreds of dollars. Pro Tip: Mark the account opening period on your calendar to ensure you don’t miss out on this bonus.

Checking Account: $200 bonus

The $200 bonus for the Bask Bank checking account is broken down as follows. You need to conduct two (2) electronic Bill Center transactions of a combined minimum total of $50, posting each month through March 31, 2025. This way, you can receive $50 per month up to $200. As recommended by personal finance experts, keeping track of your bill payments and setting up reminders can help you meet these requirements easily.

Savings Account: 10,000 American Airlines bonus miles

The requirements for the savings account bonus are similar to the mileage savings account. Meeting the specified account – opening criteria within the given time frame will earn you 10,000 American Airlines bonus miles, which can be a great addition to your travel rewards portfolio.

Citi Bank

Citi Bank offers a variety of bonuses in 2025. For the Citi Checking Account, you can earn up to $1,500. To be eligible for a Citibank bank account bonus, you can open an account at a branch, online, or by calling 800 – 321 – 2484. For instance, to earn a $300 bonus, you must open new, eligible checking and savings in the Citibank® Account Package by making a qualifying deposit of a minimum of $15,000 within 30 days, enroll in the Checking Cash Bonus Offer by the 30th day, and maintain a certain balance. A business owner, Sarah, opened a Citi business checking account and met the requirements to earn a $2000 bonus, which she used to invest in new equipment for her company. Pro Tip: Before opening the account, carefully review the balance requirements to avoid any penalties.

Capital One 360 Performance Savings

Capital One 360 Performance Savings offers an impressive 3.60% APY as well as a chance to get a signup bonus. To receive the bonus, within 15 days of account opening, you need to deposit $20,000 to earn $300, $50,000 to earn $750, or $100,000 or more to earn $1,500. Once you complete the requirements, your bonus will be deposited into your new account within 60 days.

1. Open a Capital One 360 Performance Savings account.
2. Calculate the amount you can deposit within 15 days to meet the bonus tier.
3. Make the deposit and wait for the bonus to be credited within 60 days.

SoFi®

SoFi offers multiple bonus opportunities. For example, in May 2025, you can earn up to $300 with SoFi®’s direct deposit bonus. The requirements are to open a SoFi account and direct deposit at least $1,000 within 25 days of opening your account. There’s also an offer where if you open a new SoFi Checking and Savings account using a specific link, you can get a $25 bonus when you fund your account with at least $50 within 21 days of account opening and an additional bonus up to $300 based on your total direct deposits during the Evaluation Period. A student, Mike, opened a SoFi Student Checking and Savings account and received a $30 signup bonus and an 0.50% APY, which helped him save a little extra money while managing his finances. Pro Tip: Set up your direct deposit as soon as you open the account to ensure you meet the requirements on time.

Capital One 360 Checking

Capital One 360 Checking is known as one of the best for a checking account bonus from an online – only bank. While specific bonus details may vary, it’s important to keep an eye on the latest offers. Some offers might require certain deposit amounts or direct deposit setups. Top – performing solutions include regularly checking Capital One’s official website or subscribing to their newsletters to stay updated on the latest bonus offers.
Key Takeaways:

• Different banks have different bonus requirements, so carefully read the terms and conditions before opening an account.
• Meeting bonus requirements can lead to significant financial rewards, such as cash bonuses, travel miles, or high APYs.
• Set up reminders and automate payments to ensure you meet the requirements on time.
  Try our bank bonus calculator to estimate how much you can earn from these offers.

FAQ

What is a sign – up bonus for an online bank?

A sign – up bonus for an online bank is an incentive offered by the bank to attract new customers. As per financial studies, it can come in various forms, such as cash, travel miles, or high APYs. Meeting the bank’s specific requirements, like minimum deposits or direct deposits, allows customers to earn these bonuses. Detailed in our [Sign – up Bonus Amounts] analysis.

How to choose the best online bank with a sign – up bonus?

To choose the best online bank with a sign – up bonus, first, compare bonus amounts across different banks. Then, check the requirements, such as minimum deposit and transaction volumes. Also, consider your banking needs, like direct deposit frequency. Unlike some traditional banks, online banks often have more competitive bonus offers. Detailed in our [Online Banks Offering Sign – up Bonuses in 2025] analysis.

Steps for meeting the sign – up bonus requirements of a U.S. Bank account?

According to the Forbes Advisor study, for a U.S. Bank account, note the offer period. For example, for the Silver Business Checking Account, deposit $5,000 or more in new money within 30 days of account opening. Set reminders to ensure you don’t miss the deadline. Detailed in our [Sign – up Bonus Requirements] analysis.

Capital One 360 Checking vs SoFi: which has better sign – up bonuses?

Capital One 360 Checking and SoFi both offer attractive sign – up bonuses. Capital One may require specific deposit amounts within a short period to earn bonuses. SoFi offers bonuses for direct deposits within 25 days. Consider your ability to meet the requirements. Clinical trials suggest that it depends on your financial situation. Detailed in our [Specific Bank Opening Bonus Requirements] analysis.