Best New Checking Account Offers: Compare Real Value

Who has the best checking account promotions right now?

Santander lists the largest single checking bonus in the offers provided: $500 for eligible accounts, subject to a qualifying direct deposit and a $5,000 average daily balance over the first 90 days. Its offer is geographically limited. PNC’s up-to-$400 tier requires at least $5,000 in qualifying direct deposits during the first 60 days, while TD lists $300 after $2,500 in qualifying deposits.

The headline amount is only one part of the comparison. PNC lists monthly service charges of $25 for Performance Select and $7 for Virtual Wallet, subject to waiver terms. TD lists $25 for Beyond Checking and $15 for Complete Checking, also with waiver options. Santander’s $500 tier ties up a substantial average balance during the initial qualification period; its $300 tier lowers that average-balance threshold to $2,000.

For practical value, rank an offer by the cash you can receive after accounting for qualifying deposits, balance commitments, fees you cannot waive, local availability, and time until payout. A large reward paired with an unreachable deposit target or unavailable geography has no usable value. A smaller offer can be the better fit when its conditions match your normal income deposits and account use.

For opening funds, do not confuse an initial deposit with a bonus requirement. The CFPB’s account-opening checklist says initial deposits are often between $25 and $100, but individual requirements vary; it separately advises checking minimum balances needed to avoid fees. See our guide to Best Banks With Free Checking: Compare Fees and Access for the fee side of the decision.

How to get $900 from Chase bank?

The reported Chase offer totals $900 by combining a $300 checking bonus, a $200 savings bonus, and an additional $400 for completing both sets of requirements. It is a combined checking-and-savings promotion, not a $900 checking-only payment.

According to the offer details reported by Doctor of Credit, the checking portion requires a qualifying paycheck, pension, or government-benefit direct deposit within 90 days. Zelle payments and micro-deposits do not count. The savings portion requires at least $15,000 in new money within 30 days and keeping at least $15,000 in the account for 90 days from enrollment.

Each earned bonus is reported to be deposited within 15 days after its requirements are completed. Both accounts must remain open and unrestricted at payout. Eligibility restrictions include existing account ownership and a two-year limit on related new-account bonuses, so verify the live offer and terms with Doctor of Credit’s report on the Chase offer and Chase before applying.

Is Capital One still offering a $1500 bonus?

The research sources provided do not verify a current Capital One $1,500 checking bonus. No conclusion about whether Capital One is still offering it can be made from these sources. Check Capital One’s own current offer terms before relying on a bonus amount or applying.

A useful comparison is the concrete, sourced offer information available here. The listed options are PNC, TD, Santander, and a reported targeted Chase combination. Do not treat a search result or an older promotion as proof that an offer remains open, applies in your area, or is available to a new applicant.

Which banks are currently offering a $400 bonus for checking accounts?

PNC advertises up to $400 for a new Virtual Wallet with Performance Select, according to its offer page. The qualifying condition is at least $5,000 in qualifying direct deposits reaching the Spend account during the first 60 days.

PNC defines qualifying deposits as recurring paycheck, pension, Social Security, or other regular income electronically deposited by an employer or outside agency. Transfers, Zelle, cash, and check deposits do not qualify. The page lists a January 7, 2027 deadline, says rewards are credited 60–90 days after all conditions are met, and notes that the eligible account must remain open to receive the reward. The offer may vary by market; check PNC’s offer terms for local availability.

How can you check eligibility and avoid a delayed or denied bonus?

Read the offer as a sequence of gates. First, confirm that the offer is live in your market and that the opening deadline has not passed. Then check prior-customer restrictions, the exact deposit definition, deposit deadlines, balance requirements, payout timing, and account status rules.

1. Open the bank’s official offer page and confirm your state or local market is eligible.
2. Save the offer terms and date before applying, including the account tier, deadline, deposit amount, and payout conditions.
3. Check that your expected deposits count. PNC excludes transfers, Zelle, cash, and checks; TD excludes person-to-person payments and transfers between bank accounts; Santander excludes transfers, teller or ATM deposits, and P2P payments.
4. Review past or current account ownership and prior-bonus exclusions. TD excludes existing personal checking customers, some recently closed accounts, and people who have received a TD personal checking bonus. Santander excludes current checking customers and people who had an account in the previous 12 months.
5. Keep the account open and in the required status through payment, and track the stated payout window.

Approval is a separate hurdle. The Consumer Financial Protection Bureau explains that banks may use checking-account reporting companies such as ChexSystems and Early Warning Services. Reports can include unpaid negative balances, involuntary closures, suspected fraud, bad-check history, and issues tied to joint accounts. The CFPB says consumers can request one free report per year from nationwide checking-account reporting companies and may request a free report after an adverse-action notice. If an application is denied, bank policies vary, and a lower-risk account elsewhere may remain an option.