Best Bank Bonuses January 2026

Find the best bank account sign-up bonuses available in January 2026. We track checking and savings account bonuses from Chase, Citi, Capital One, and more. Updated weekly with verified requirements.

31
Active Bonuses
$9,225
Total Available
$600
Highest Bonus
21/10
Checking/Savings

Top Bonuses for January 2026

H

HSBC

HSBC Premier Checking

$600
Checking
💵$5,000+ direct deposit (3x)
📋$50/mo fee (waivable)
Hard Pull
Expires May 31
A

Axos Bank

Axos Rewards Checking

$500
Checking
💵$3,000+ direct deposit (2x)
✓No monthly fee
Expires Mar 31
B

BMO

BMO Smart Advantage Checking

$500
Checking
💵$7,500+ direct deposit
📋$15/mo fee (waivable)
ChexSensitive
Expires Jun 30
C

Citibank

Citi Priority Account

$400
Checking
💰$50,000 deposit for 60 days
📋$30/mo fee (waivable)
Expires Mar 31
U

U.S. Bank

U.S. Bank Smartly Checking

$400
Checking
💵$6,000+ direct deposit (2x)
📋$6.95/mo fee (waivable)
ChexSensitive
Expires Mar 31
P

PNC Bank

PNC Virtual Wallet

$400
Checking
💵$5,000+ direct deposit
📋$7/mo fee (waivable)
ChexSensitive
Expires May 6

Checking Account Bonuses

H

HSBC

HSBC Premier Checking

$600
Checking
💵$5,000+ direct deposit (3x)
📋$50/mo fee (waivable)
Hard Pull
Expires May 31
A

Axos Bank

Axos Rewards Checking

$500
Checking
💵$3,000+ direct deposit (2x)
✓No monthly fee
Expires Mar 31
B

BMO

BMO Smart Advantage Checking

$500
Checking
💵$7,500+ direct deposit
📋$15/mo fee (waivable)
ChexSensitive
Expires Jun 30
C

Citibank

Citi Priority Account

$400
Checking
💰$50,000 deposit for 60 days
📋$30/mo fee (waivable)
Expires Mar 31
U

U.S. Bank

U.S. Bank Smartly Checking

$400
Checking
💵$6,000+ direct deposit (2x)
📋$6.95/mo fee (waivable)
ChexSensitive
Expires Mar 31
P

PNC Bank

PNC Virtual Wallet

$400
Checking
💵$5,000+ direct deposit
📋$7/mo fee (waivable)
ChexSensitive
Expires May 6
T

Truist

Truist One Checking

$400
Checking
💵$1,000+ direct deposit (2x)
📋$12/mo fee (waivable)
ChexSensitive
Expires Apr 30
R

Regions Bank

Regions LifeGreen Checking

$400
Checking
💵$1,000+ direct deposit
📋$8/mo fee (waivable)
ChexSensitiveRegional
Expires May 15
W

Wells Fargo

Wells Fargo Everyday Checking

$325
Checking
💵$1,000+ direct deposit (3x)
📋$10/mo fee (waivable)
ChexSensitive
Expires Mar 26
C

Chase

Chase Total Checking

$300
Checking
💵$500+ direct deposit
📋$12/mo fee (waivable)
ChexSensitive
Expires Apr 16
S

SoFi

SoFi Checking & Savings

$300
Checking
💵$5,000+ direct deposit
✓No monthly fee
T

TD Bank

TD Beyond Checking

$300
Checking
💵$2,500+ direct deposit
📋$25/mo fee (waivable)
ChexSensitiveRegional
Expires Apr 30
C

Citizens Bank

Citizens One Deposit

$300
Checking
💵$500+ direct deposit
✓No monthly fee
ChexSensitiveRegional
Expires Apr 15
F

Fifth Third Bank

Fifth Third Momentum Checking

$300
Checking
💵$500+ direct deposit (3x)
✓No monthly fee
ChexSensitiveRegional
Expires Mar 31
H

Huntington Bank

Huntington Unlimited Plus Business

$300
Checking
💰$1,000 deposit
✓No monthly fee
ChexSensitiveRegional
Expires May 31
K

KeyBank

KeyBank Key Smart Checking

$300
Checking
💵$500+ direct deposit
✓No monthly fee
ChexSensitiveRegional
Expires Apr 30
C

Capital One

360 Checking

$250
Checking
💵$250+ direct deposit (2x)
✓No monthly fee
A

Ally Bank

Ally Interest Checking

$250
Checking
💵$1,500+ direct deposit
✓No monthly fee
B

Bank of America

Bank of America Advantage Plus

$200
Checking
💵$2,000+ direct deposit (2x)
📋$12/mo fee (waivable)
ChexSensitive
D

Discover Bank

Discover Cashback Debit

$200
Checking
💵$1,000+ direct deposit
✓No monthly fee
T

TD Bank

TD Convenience Checking

$150
Checking
💵$500+ direct deposit
📋$15/mo fee (waivable)
ChexSensitiveRegional
Expires Apr 30

Savings Account Bonuses

B

BMO

BMO Alto Online Savings

$350
Savings
💰$25,000 deposit for 90 days
✓No monthly fee
Expires Jun 30
A

American Express

American Express High Yield Savings

$300
Savings
💰$25,000 deposit for 90 days
✓No monthly fee
U

U.S. Bank

U.S. Bank Elite Money Market

$250
Savings
💰$25,000 deposit for 90 days
📋$10/mo fee (waivable)
Expires Mar 31
C

Chase

Chase Savings

$200
Savings
💰$15,000 deposit for 90 days
📋$5/mo fee (waivable)
ChexSensitive
Expires Apr 16
C

Citibank

Citi Accelerate Savings

$200
Savings
💰$20,000 deposit for 60 days
✓No monthly fee
Expires Mar 31
C

Capital One

360 Performance Savings

$200
Savings
💰$10,000 deposit for 90 days
✓No monthly fee
D

Discover Bank

Discover Online Savings

$200
Savings
💰$15,000 deposit for 30 days
✓No monthly fee
P

PNC Bank

PNC High Yield Savings

$200
Savings
💰$10,000 deposit for 60 days
✓No monthly fee
Expires May 6
A

Ally Bank

Ally Online Savings

$150
Savings
💰$10,000 deposit for 90 days
✓No monthly fee
M

Marcus by Goldman Sachs

Marcus High-Yield Savings

$100
Savings
💰$10,000 deposit for 90 days
✓No monthly fee

Tips for January 2026

  • 1.Check expiration dates - some bonuses end mid-month
  • 2.Set up direct deposit early to meet requirements on time
  • 3.Stack checking + savings bonuses at the same bank when available
  • 4.Keep accounts open for required period to avoid early termination fees
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