Best Bank Bonuses & Promotions In The US Of September 2022


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Best New Bank Promotions in California: September 2021 Offers, Coupons and  Bonuses | GOBankingRates

Bank bonuses are a bit like the weather: Some really shine, some are a bit cloudy, but generally things tend to keep changing. New bonus opportunities keep popping up, amid the ongoing competition among banks to attract new customers and new deposits. While these promotions usually are offered for finite periods of time, they’re also renewed regularly.

Citi®, U.S. Bank, TD Bank and Chase are currently offering up to $200 to $1,500 to win your business. Before you get too excited about opening a new bank account, though, make sure you read the fine print to see if you qualify.

In most cases, both you and the money you’re depositing must be new to the bank offering the bonus. You won’t qualify if you’re already a customer or if, for example, you’ve closed an account with the bank within the past 90 days.

Some banks are giving away free money as a sign-up reward, while others ask you to earn the bonus through a series of actions. Be mindful of common bank fees that may apply. Also be aware that any bonus received counts as interest paid to you, which will be reported to the IRS.

With those caveats firmly in place, here are four major banks currently offering sign-up bonuses. Account details are accurate as of August 3, 2022.

Bank Account Promotions for 2022


Chase: Up to $200 Bonus


Earn up to $200


Expires October 19, 2022

Chase: Up to $200 Bonus
Open an Accoun 

On Chase’s Website
Offer Details

Earn a $200 bonus when you open a new checking account at Chase. You can qualify for $200 when you open a Chase Total Checking® account and set up direct deposit—in the form of a paycheck, pension or government benefits check—within 90 days to receive the bonus, which will be deposited into your account within 15 business days.

The fine print: Chase will claw back its bonus if you close your account within six months of opening it. Another thing to consider is fees. There’s a $12 monthly service fee on Total Checking. You can avoid this fee by maintaining certain balances or taking other actions. Get more details from Chase.

College students get a sign-up bonus, too. Students who open a new Chase College Checking account*  can receive a bonus of $100. To qualify, students have to enroll in paperless statements and complete 10 qualifying transactions within 60 days. As with the checking accounts, Chase will withdraw its bonus if you close the account within six months.

The offer period for both the Chase Total Checking bonus and the College Checking bonus runs through Oct. 19, 2022.

EARN UP TO $2,000

Citi Business Checking Account: Up to $2,000 Bonus


Earn up to $2,000


Expires January 4, 2023

Citi Business Checking Account: Up to $2,000 Bonus
Offer Details

Citi® is giving new customers bonuses of up to $2,000 for opening a business checking account. You may qualify if you open a new checking account for your business, fund it with money that’s new to Citi within 30 days and maintain that balance for another 60 days.

You can receive $200 for opening an eligible business checking account by depositing $5,000 within 30 days. The funds must be from an account not with Citi, and you must then hold the money in the account for 60 consecutive calendar days.

Citi also awards a $500 bonus for depositing and maintaining $15,000 in a business checking account; a $700 bonus for a $25,000 deposit and 60-day balance; a $1,000 bonus for a $50,000 deposit and 60-day balance; a $1,000 bonus for a $50,000 deposit and 60-day balance; a $1,500 bonus for a $100,000 deposit and 60-day balance; and a $2,000 bonus for a $200,000 deposit and 60-day balance. You must meet the program requirements to collect your cash.

The fine print: The availability of this deal varies by state. As stated at the Citi website, “Opening an account does not guarantee that you meet eligibility requirements.” You can qualify to waive monthly account fees by maintaining certain account balances.

You’ll receive the business checking customer bonus within 90 calendar days after completing all required actions.

The information for this product has been collected independently by Forbes Advisor. The product details on this page have not been reviewed or provided by the issuer.


TD Bank: Up to $300 Bonus


Earn up to $300


Expires October 31, 2022

TD Bank: Up to $300 Bonus
Offer Details

TD Bank offers bonuses to new checking account customers of $300 or $150, depending on which checking account you choose.

With TD Beyond Checking, you can earn $300 by having $2,500 in direct deposits within 60 days of opening the account. This checking account earns interest.

You can earn $150 with TD Convenience Checking, by having $500 in direct deposits within 60 days of opening the account. TD Convenience Checking does not earn interest.

If you already have a TD Bank checking account, you may qualify for a $200 bonus for opening a TD Bank Beyond Savings or Simple Savings account by depositing $20,000 or more in new funds within 20 days and maintaining a balance of at least $20,000 for 90 days.

The fine print: Once the offer criteria are met, bonus will be credited to your account no later than 140 days after account opening. Account must remain open, active and in good standing through the qualifying period; if the account is closed by the customer or by TD Bank within six months of opening, TD Bank reserves the right to deduct the bonus from the account balance at closing.

These checking accounts are available to residents of: Connecticut, Delaware, Florida, Maine, Maryland, Massachusetts, New Hampshire, New Jersey, New York, North Carolina, Pennsylvania, Rhode Island, South Carolina, Vermont, Virginia and the District of Columbia.

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