open checking account bonus bank of america

Our checking account options couldn't be simpler. $10 minimum account opening deposit Here's what is offered with your CSB checking account. Put free cash in your pockets with a checking account bonus. Get paid to open a bank account and earn more than the national savings rate. Bonus Offer. Offer is valid on new accounts only. Company must spend $3,000 within the first three months of account opening to receive the bonus.

Open checking account bonus bank of america -

Bank of America Business Checking Account $750 Bonus

Advertiser Disclosure

Earn up to $750 from Bank of America plus enjoy a one-year trial of Preferred Rewards for Business by opening a new business checking account.

This offer is expired and may no longer be available. Check out current offers from Bank of America or all available offers instead.

Bonus Amount
up to $750

Account Type
Business Checking

Available In Your Area?
Yes update your location

Offer Expired On

January 31, 2021

Bonus Requirements
  1. Open a new business checking account.
  2. Deposit at least $20,000 (to earn $500) or $50,000 (to earn $750) within 15 days and maintain the balance for the 60 day maintenance period.
  3. Make at least 5 qualifying electronic payments (debit card purchase, online bill pay, ACH payment, wire transfer or Zelle payment) within 60 days.
read additional fine print

Other Details

Monthly Fees?
Varies By Account see below

Available nationwide with the ability to open online, Bank of America is offering up to $750 and access to the gold tier of their Preferred Rewards for Business program (waiving the usual minimum balance requirements) for opening a new business checking account.

The rewards program gives you business benefits and boosts on small business resources – like an increase on your credit card rewards, a savings interest rate boost, credit on payroll service, access to financial advice, discount on loan rates and more.

How To Earn The Bonus

The Bank of America Business Checking Account promotion requires you to deposit and maintain a minimum balance, and optionally, make purchases using the account's card and set up bill pay in order to earn the $750 bonus. Full requirements to receive this bonus are:

  1. Open a new business checking account.
  2. Deposit at least $20,000 (to earn $500) or $50,000 (to earn $750) within 15 days and maintain the balance for the 60 day maintenance period.
  3. Make at least 5 qualifying electronic payments (debit card purchase, online bill pay, ACH payment, wire transfer or Zelle payment) within 60 days.

The fine print

  • The deposit requires NEW money, which means you cannot transfer from another Bank of America account.
  • The maintenance period begins 16 days after you open the account, and ends 75 days after you open the account.

Why Bank of America?

Bank of America is one of the "big four" banks in the United States, and is headquartered in Charlotte, but operates in more than 35 countries around the world. Merrill Investing also falls under the Bank of America umbrella, and between the two brands, you can find nearly any financial product you'd want: checking and savings accounts, home and auto loans, HSAs, business products, credit cards, CDs, money market accounts, IRAs, and more.

Their online and mobile tools offer a solid digital experience with alerts, mobile check deposits, spending charts, easy card replacement requests, digital wallets and more. Customers also tend to rank their service favorably, with convenient support hours and real humans on the other line.

The trade off to a plethora of banking products, a huge network of physical locations and ATMs, and a well-reviewed digital experience are the same as most of the other big banks: don't expect wow-ing interest rates. Plus, you'll want to be sure to avoid their penalty fees, which are steep and can be harsh. For example, their overdraft fee is $35, and their policy allows them to charge it as often as 4 times each day.

Learn more in our Bank of America review

Business Advantage Fundamentals™

Business Advantage Fundamentals is a business checking account that gives you access to business-specific digital tools like Cash Flow Monitor, access to small business specialists, and all of the security and support you'd expect from a national bank with a huge footprint.

By banking with Bank of America, you'll also receive discounts and rewards on their other business products, like a 25% rewards bonus on eligible credit cards, a $10 credit for the payroll services, and a 5% interest rate boost on business savings accounts.

Fees

Business Advantage Fundamentals™ does charge a monthly fee of $16, but there are ways to get this waived:

  • Maintain a $5,000 combined average balance.
  • OR, spend at least $250 in new net purchases on your business debit card.
  • OR, become a member of Preferred Rewards for Business.

Business Advantage Relationship

Business Advantage Relationship is Bank of America's premium business checking account. The account gives you access to business-specific digital tools like Cash Flow Monitor, QuickBooks integration, customizable control for employee access, access to small business specialists, plus all of the security and support you'd expect from a national bank with a huge footprint.

By banking with Bank of America, you'll also receive discounts and rewards on their other business products, like a 25% rewards bonus on eligible credit cards, a $10 credit for the payroll services, and a 5% interest rate boost on business savings accounts.

Fees

Business Advantage Relationship does charge a monthly fee of $29.95, but there are ways to get this waived:

  • Maintain a $15,000 combined average balance.
  • OR, become a member of Preferred Rewards for Business.

How does this checking offer from Bank of America compare?

Chase Bank Logo

Chase Bank is offering $300 when you open a Chase Business Complete Banking℠ account. see full details

American Express Logo

American Express gives you $300 when you open a Business Checking account. see full details

PNC Bank Logo

Earn $200 from PNC Bank when you open a Business Checking account. see full details

Источник: https://bankbonus.com/promotions/bank-of-america/business-checking-account-750-bonus/

29 Best New Bank Account Promotions & Offers – November 2021

It’s possible to make $100s just by opening up a new bank account. But sorting through the best offers can be tricky. There’s no shortage of enticing opportunities for banking clients right now.

We’re happy to do the work for you. The Money Crashers team combs through hundreds of bank account deals every month to find you the most lucrative sign-up bonuses – some worth up to $1,000 or more.

Don’t want to miss out? Read on for our roundup of the best bank promotions for this month and the requirements you must meet to qualify for each. Most are available to new customers in all 50 states, but a few have geographical restrictions to bear in mind.

Top Bank Account Promotions for November 2021

These are the top bank promotions active right now. They include a mix of high-yield checking accounts and high-yield savings accounts.

Many are available through popular brick-and-mortar and online banks that also offer competitive yields on other types of deposit accounts, such as money market accounts and certificates of deposit (CDs).

And if you’re in the market for a new home loan or personal loan, opening a deposit account with one of these banks could entitle you to special privileges, like reduced closing costs and lower interest rates.


1. Citi Priority Account – Up to $1,500 Cash Bonus

Citibank National Association Logofilepath (2)

For a limited time, a checking and savings account bonus worth up to $1,500 when you open a Citi Priority Account and complete all required activities. Here’s how:

  • Open new eligible Citi Priority checking and savings accounts during the offer period (by Jan. 4, 2022).
  • Make a qualifying deposit of funds new to Citi between the checking and savings accounts within 20 days of account opening.
  • 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.

The bonus tiers are as follows:

  • $300: Minimum deposit and minimum balance between $15,000 and $49,999
  • $700: Minimum deposit and minimum balance between $50,000 and $199,999
  • $1,500: Minimum deposit and minimum balance of $200,000 or greater

After completing all qualifying activities, you’ll receive the bonus in your account within 90 calendar days. You must apply from the offer page linked below to earn this offer.

Moving forward, you must maintain a balance of $50,000 or greater in all eligible linked Citi accounts, including linked deposit, retirement and investment accounts.


2. HSBC Premier Checking – $450 Welcome Offer

hsbc

HSBC has another great offer for new Premier Checking customers.

Here’s how it works. Get a $450 Welcome Deposit for eligible new customers who open a new HSBC Premier checking account and complete the following qualifying activities.

  • Open your new HSBC Premier checking account online by Jan. 5, 2022; and
  • Make recurring monthly Qualifying Direct Deposits totaling at least $5,000 from a third party to your HSBC Premier checking account(s) for three consecutive calendar months from the second full calendar month after account opening.

You will automatically receive the $450 Welcome Deposit in your new HSBC Premier checking account approximately eight weeks after completing all qualifying activities. It’s that simple.

Deposit products are offered in the U.S. by HSBC Bank USA, N.A., member FDIC.

Apply Now


3. Wells Fargo Everyday Checking – $200 Bonus

Wells Fargo Logo

Open a new Wells Fargo Everyday Checking account and complete the required offer steps to earn a $200 cash bonus. Here’s how it works:

  • Open a new Everyday Checking account using the offer link below, or a new eligible checking account in a participating Wells Fargo branch.
  • Make an opening deposit of at least $25.
  • Receive a total of at least $1,000 in qualifying direct deposits to your new checking account during the qualification period (within 90 calendar days from account opening).

After completing the offer requirements, you should receive your $200 checking bonus within 30 days of the end of the qualification period. Your account must be open through the offer period, and open in good standing when the bonus is sent.

This offer is available to new Wells Fargo checking customers in select cities in AK, AL, AZ, CA, CO, CT, GA, FL, IA, ID, IL, KS, LA, MI, MN, MO, MS, MT, NC, NE, ND, NM, NV, OR, OK, PA, SC, SD, TN, TX, UT, VA, WA, WI, WV, and WY.


4. Chase Total Checking® – $225 Bonus

chase bank logo

Open a new Chase Total Checking® account and set up direct deposit within 90 days of coupon enrollment. You’ll then receive a $225 bonus within 15 business days.

There is a $12 monthly fee, but it’s waived if you meet at least one of the following criteria in each monthly statement period:

  • Execute direct deposits totaling $500 or more made to the account.
  • Maintain a $1,500 minimum daily balance.
  • Maintain an average daily balance of $5,000 or more in qualifying linked deposits or investments.
  • Pay at least $25 or more in qualifying checking-related services or fees.

To receive this bonus, you can either apply online using the link above or enter your email here and take the coupon to a local Chase branch. You must apply by Jan. 19, 2022.

Chase has ATMs and branches in all 48 states in the continental U.S. This offer is available online nationwide, except for residents of AK, HI, and PR.

Apply Now


5. TD Bank Beyond Checking℠ – $300 Cash Bonus

td bank

Apply online for a new TD Bank Beyond Checking account, and you’ll get a $300 cash bonus once you receive direct deposits of more than $2,500 within 60 days. To qualify for this offer, you must be a U.S. resident and apply for the offer online.

The Beyond checking account typically includes a $25 monthly maintenance fee, but it’s waived with monthly direct deposits of $5,000 or more, a minimum daily balance of $2,500, or a combined balance of $25,000 across your eligible TD accounts.

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

Apply Now


6. Aspiration Plus – $200 Bonus

Aspiration Logo

Open a new Aspiration Spend & Save account with Aspiration Plus and complete qualifying activities to earn a $200 account opening bonus.

All you have to do to earn the bonus is open and fund your account with $10 or more, then make at least $1,000 in cumulative eligible debit card purchases within the first 60 days. You should receive your $200 bonus in your account within 120 days.

Moving forward, you’ll enjoy all these Aspiration Plus benefits (and more) for $7.99 per month or $71.88 annually:

  • Earn up to 1.00% interest in your Save account
  • Carbon offsets for your gas purchases with Planet Protection
  • One out-of-network ATM fee reimbursed each month (in addition to unlimited access to more than 55,000 fee-free ATMs in Aspiration’s network)
  • 10% cash back at select partner merchants like Warby Parker and TOMS
  • Instant access to a digital debit card

Apply Now


7. Bank of America Advantage Banking – $100 Bonus Offer

Bank of America Advantage Banking is an innovative checking account with a great bonus offer for new account holders.

Bofa Lo2 Rgb Digital

See offer page for more details.

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.  Safer 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: Lock a misplaced card quickly and easily to 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.

Apply Now

Bank of America, N.A. Member FDIC.


8. Huntington Bank Huntington 25 Checking® — $500 Bonus

Huntington Bank Logo

For a limited time, Huntington Bank has one of the most generous new account opening bonuses available — worth $500 when you complete qualifying activities. Here’s how it works:

  • Open a Huntington Bank Huntington 25 Checking® account between Oct. 1, 2021, and Feb. 7, 2022.
  • Make cumulative new money deposits of at least $15,000 within 60 days of account opening.
  • Keep your account open for a minimum of 90 days.

After completing these qualifying activities, you should receive your $500 bonus in your new account within 14 days

Account available to residents of Colorado, Illinois, Indiana, Kentucky, Michigan, Minnesota, Ohio, Pennsylvania, South Dakota, West Virginia, or Wisconsin

Learn More


9. PNC Virtual Wallet – Up to $300 Bonus

Pnc Bank Logo 1 1

Earn a bonus worth up to $300 when you open a new PNC Virtual Wallet by Dec. 31, 2021, and complete qualifying activities. Here’s how this offer works:

  • Earn $50 when you open a new PNC Virtual Wallet and establish total qualifying direct deposit(s) of $500 or more to the Spend account.
  • Earn $200 when you open a new PNC Virtual Wallet with Performance Spend and establish total qualifying direct deposit(s) of $2,000 or more to the Spend account.
  • Earn $300 when you open a new PNC Virtual Wallet with Performance Select and establish total qualifying direct deposit(s) of $5,000 or more to the Spend account.

Your qualifying direct deposit(s) must be received within the first 60 days. 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 CA, TX, AZ, NM, CO, PA, FL,  OH, WV, DE, NJ, SC, NC, GA, KY, IN, MI, IL, MD, DC, WV, and WI.


10. Acorns Checking – $75 Bonus

Acorns Logo

Looking for a checking account that helps you spend and save for your future? You’re a great candidate for Acorns Checking.

And, for a limited time, you can qualify for a $75 bonus when you open a new Acorns Checking account and complete qualifying activities.

Here’s what you need to do:

  • Set up your Acorns Checking account in 3 minutes or less using the link on this page and get approved for your account by Dec. 31, 2021.
  • Make Acorns Checking your direct deposit method with your employer.
  • Receive 2 direct deposits of at least $250 per deposit during the offer period.

That’s it. Complete these activities and you should see the $75 bonus in your Acorns Checking account within 45 days.

This offer is available to both new and existing Acorns Checking customers who have never set up direct deposit. To earn the bonus, your Acorns Invest account must be open, verified, and in good standing at the time of reward fulfillment, as must be your Acorns Checking account.

Apply Now


11. Chase Secure BankingSM – $100 Bonus

chase bank logo

Open a new Chase Secure BankingSM account and complete qualifying activities within 60 days of coupon enrollment to earn a $100 bonus.

Here’s how it works:

  • Open your account online or enter your email address to get your coupon and bring it to a Chase branch to open an account.
  • Then, complete 10 qualifying transactions within 60 days of coupon enrollment.

You’ll receive your $100 bonus within 15 business days after the qualifying transactions have posted to your account. You must apply by Jan. 19, 2022.

Chase has ATMs and branches in all 48 states in the continental U.S. and this offer is available online nationwide, except for residents of AK, HI, and PR.

Apply Now


12. Axos Bank Rewards Checking — $100 Bonus

Axos Bank Logo

For a limited time only, you can earn a $100 bonus when you open a new Axos Bank Rewards Checking account and complete qualifying activities.

Just open your new account with as little as $50 in new money using the promo code “Holidays.” Then, receive qualifying third-party direct deposits totaling at least $1,500 within the first 60 days of account opening. Your account must remain open for 180 days or an early closure fee of $100 may apply.

That’s all you have to do to earn and keep the bonus. You should receive the bonus in your new checking account within five business days of your third statement cycle date.

Moving forward, earn up to 1.00% APY in a statement period when you complete qualifying activities. See terms for details.

Learn More


13. TD Bank Convenience Checking℠ – $150 Cash Bonus

td bank

As an alternative to the TD Bank Beyond Checking offer above, you can apply online for a new TD Bank Convenience CheckingSM account, which has a much lower minimum balance requirement. You’ll get a $150 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. The Convenience Checking account typically includes a $15 monthly maintenance fee, but it’s waived if you keep a low minimum daily balance of at least $100.

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

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

Apply Now


14. Citigold® Checking Account – Up to $1,500 Cash Bonus

For a limited time, earn a checking and savings account bonus worth up to $1,500 when you open a qualifying Citigold® Checking Account and complete qualifying activities.

Here’s how this bonus opportunity works:

  • Open a Citigold® Checking Account by Jan. 4, 2022
  • Within 20 days of account opening, make a qualifying deposit in new-to-Citi funds between your new checking and savings accounts.
  • Maintain a minimum balance equal to or greater than your minimum deposit between your checking and savings accounts for at least 60 consecutive calendar days after the 21st day.

The bonus tiers are as follows:

  • $300: Minimum deposit and minimum balance between $15,000 and $49,999.
  • $700: Minimum deposit and minimum balance between $50,000 and $199,999
  • $1,500: Minimum deposit and minimum balance of $200,000 or greater

Once you’ve completed the qualifying activities, you should see the bonus deposited in your open, eligible account within 90 calendar days.

This offer is available to new account holders located in all 50 states.

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.


15. BMO Harris Smart AdvantageTM Checking — $200 Bonus

Bmo Harris Logo

Open a new BMO Harris Smart Advantage Checking account by Jan. 28, 2022, and get a $200 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.

That’s it — it’s that simple.

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

You can open your account online, at a BMO Harris branch, online, or by calling 1-800-546-6101. Online account opening is limited to applicants who reside in Arizona, Florida, Illinois, Indiana, Kansas, Minnesota, Missouri or Wisconsin


16. Aspiration – $100 Bonus

Aspiration Logo

Aspiration has another bonus opportunity for new account holders. While this one isn’t quite as generous as the Aspiration Plus opportunity, it also doesn’t involve a monthly maintenance fee.

Here’s how it works:

Allow up to 120 calendar days from your account opening date for the $100 cash bonus to post to your Aspiration Spend & Save account. Your account must be open and in good standing through the credit date.

Apply Now


17. Bask Bank – 1,000 Bonus AAdvantage® Miles

Bask Bank Logo

Bask Bank offers a great opportunity for new account holders to earn American Airlines AAdvantage® miles during the first year after opening a Bask Savings Account.

Here’s how it works:

  • Deposit $5,000 in new money (funds not previously deposited with Bask Bank or its affiliates) into your new Bask Savings Account within 30 days of opening.
  • Maintain a $5,000 minimum balance in the account for at least 90 consecutive days within the first 120 days of account opening and you’ll receive 1,000 AAdvantage® miles.

Bask Bank awards bonus miles within 10 business days of confirming you’ve met the bonus requirements. Allow up to eight weeks for miles to post to your AAdvantage® account.

The value of this offer will be reported to the IRS and the recipient is responsible for any federal, state, or local taxes on this offer.

Apply Now

Bask Bank and BankDirect are divisions of Texas Capital Bank, N.A. Member FDIC. The sum of your total deposits with (i) Bask Bank; (ii) BankDirect; and (iii) Texas Capital Bank, N.A. are insured up to $250,000.  Additional coverage may be available depending on how your assets are held.


18. Huntington Bank Huntington 5 Checking® — $200 Bonus

Huntington Bank Logo

Not ready for a Huntington 25 account? Open a Huntington 5 Checking® account during the offer period and complete qualifying activities to earn a bonus that’s nearly as generous — and much more accessible than Huntington 25’s offer.

Here’s what you need to do:

  • Open a Huntington Bank Huntington 5 Checking® account between Oct. 1, 2021, and Feb. 7, 2022.
  • Make cumulative new money deposits of at least $1,000 within 60 days of account opening.
  • Keep your account open for a minimum of 90 days.

You should receive your $200 bonus in your new account within 14 days after completing the qualifying activities.

Account available to residents of Colorado, Illinois, Indiana, Kentucky, Michigan, Minnesota, Ohio, Pennsylvania, South Dakota, West Virginia, or Wisconsin

Learn More


19. Huntington Bank Asterisk-Free Checking® — $150 Bonus

Huntington Bank Logo

Huntington Bank’s most accessible checking account, the maintenance-fee-free Asterisk-Free Checking®, has a new account opening bonus opportunity as well.

Its bonus requirements are identical to the Huntington 5 offer: Open your account between Oct. 1, 2021, and Feb. 7, 2022, then make cumulative new money deposits of at least $1,000 within 60 days of account opening and keep your account open for a minimum of 90 days.

You should receive the bonus in your account within 14 days of completing qualifying activities.

Account available to residents of Colorado, Illinois, Indiana, Kentucky, Michigan, Minnesota, Ohio, Pennsylvania, South Dakota, West Virginia, or Wisconsin

Learn More


20. Chase Business Complete Checking – $300 Bonus

Chase Bank Logo

Small-business owners (including sole proprietors) can take advantage of an attractive offer on a popular business checking account: $300 for new Chase Business Complete Checking customers who open an account online or in person and complete qualifying activities.

To qualify for this opportunity, simply open a new Chase Business Complete Checking account with qualifying activities. No minimum opening deposit is required. Moving forward, enjoy multiple ways to waive the $15 monthly service fee.

Chase has ATMs and branches in all 48 states in the continental U.S. and this offer is available online nationwide, except for residents of AK, HI, and PR.

Apply Now


21. SoFi Money – Up to $100 Cash Bonus

SoFi Review

Open a new SoFi Money account and complete qualifying activities to earn a cash bonus worth up to $100. Here’s how it works:

  • Open your new account and deposit $100 to earn $25.
  • Set up a direct deposit worth at least $500 to earn an additional $75.

That’s all you have to do to claim $100 in total bonus money. Moving forward, you’ll enjoy FDIC insurance on balances up to $1.5 million and an enviable lineup of perks exclusive to SoFi account holders.

Learn More


22. Axos Bank Basic Business Checking – $100 Welcome Offer

Axos Bank Logo

For a limited time, you may qualify for a $100 welcome bonus when you apply for and open a new Axos Bank Basic Business Checking account.

Here’s how to qualify:

  • Apply for your new Axos Bank Basic Business Checking account using the promo code “EARN100”.
  • Deposit at least $5,000 in new money into your account.
  • Maintain an average daily balance of at least $5,000 during the first three months.

After completing the qualifying activities, you should receive your bonus within five business days of your third statement cycle date. Your account must remain open for at least 180 days to avoid the $50 early closing fee.

Apply Now


23. Brex Cash — Up to 50,000 Bonus Points

Brex Logo

Brex Cash has a two-tiered account opening offer for new customers. Choose whichever option works better for your business’s needs:

  • Earn 30,000 bonus points after opening your account and spending $3,500 in purchases within 30 days.
  • Earn 50,000 bonus points after opening your account and spending $9,000 in purchases within 30 days.

Moving forward, you’ll pay no account fees and won’t be held to any minimum daily balance requirements. Plus, enjoy value-added perks worth as much as $150,000 and a generous ongoing rewards program.

Learn More


24. Acorns Invest – $10 Bonus

Acorns Logo

New Acorns Invest users qualify for an easy $10 with an eligible new account. Here’s how the promotion works:

  • Sign up with Acorns and open a new investment account.
  • Make your first investment in the new account (minimum $5).

That’s all you need to do to receive your $10 bonus. Upgrade to Acorns Personal ($3 per month) to take advantage of a slew of additional features, including a tax-advantaged retirement account and a checking account that promises up to 10% bonus investments on select purchases.

Apply Now


25. SkyOne Federal Credit Union – Up to $500 Gift Card Bonus

Open a SkyOne Federal Credit Union membership with a qualifying account for the opportunity to earn up to $500 in Amazon gift cards.

All you need to do to start earning is refer friends to SkyOne. For each successful referral, you’ll earn another $25 Amazon gift card, up to $500 in total gift card bonuses each year. A “successful referral” counts as an account opened in-person or online that remains open and in good standing for at least 30 days.

You can earn up to $500 in gift cards every year with successful referrals. Moving forward, you must maintain a balance of at least $500 to earn dividends.

Apply Now


26. PSECU – Up to $250 Cash Bonus

New PSECU members can choose from one of two great bonus opportunities worth up to $250 cash. Simply get approved for a PSECU checking account using the promo code “MEMBER”, then complete qualifying activities to qualify for a $250 bonus.

Here’s how it works:

  • Open your account using the promo code “MEMBER”.
  • Add a debit card.
  • Sign up for digital banking.
  • Add a monthly direct deposit of at least $200 (must recur monthly to qualify).

You must complete qualifying activities within 90 days of establishing membership. PSECU will deposit bonus payments to eligible recipients within 45 days after all bonus requirements are satisfied.

These offers are available to new PSECU members who join by Dec. 31, 2021. Applicants who live outside Pennsylvania must join the Pennsylvania Recreation and Park Society and pay the $20 membership fee to become eligible for PSECU membership.

Apply Now


27. Regions Bank – Up to $100 Cash Bonus Each Year
regions bank

Open a new checking account at Regions Bank, either online or at a branch. Next, open a Regions LifeGreen Savings Account with an opening deposit of $50 or more.

Then, set up a recurring monthly transfer of $10 or more from your Regions checking account to your LifeGreen Savings Account and complete at least 12 monthly transfers.

Every year, you’ll receive a 1% savings bonus on your account anniversary date, based on your account’s average monthly balance for the preceding 12 months, up to the max annual savings bonus of $100.

Your bonus should be deposited into your account on the business day following your anniversary date.

Apply Now


28. PNC Bank Business Checking or Business Checking Plus — $200 Cash Bonus

Pnc Bank Logo

New PNC Bank business checking account holders may qualify for a $200 bonus offer available through the end of the first quarter of 2021. Here’s how it works:

  • Open an eligible account (Business Checking or Business Checking Plus) by Dec. 31, 2021.
  • Maintain a $5,000 (or greater) average cycle balance (account balance) for each of the first three statement cycles.
  • Complete 20 or more total qualifying debit card transactions within the first three statement cycles.

You should receive a $200 cash bonus in your new account within 90 days after completing these qualifying activities.

Moving forward, you may be able to waive monthly maintenance fees for Business Checking and Business Checking Plus.

This offer is available nationwide.

Apply Now


29. Alliant Credit Union — $100 Bonus

Alliant Credit Union is offering a rare bonus opportunity on its high-yield savings account (the Alliant Ultimate Opportunity Savings Account) in partnership with Suze Orman, the personal finance expert.

To qualify for Alliant’s $100 bonus, you’ll need to do the following:

  • Apply for an Alliant Ultimate Opportunity Savings Account using Alliant’s easy online application (see Alliant’s website for information about joining if you’re not already a member) by Dec. 31, 2021.
  • For 12 consecutive months, deposit at least $100 into your new savings account each month. You must make your first $100 deposit within 30 days of opening your account.
  • Have a balance of at least $1,200 in your account at the end of the qualification period (12 months).

You should receive your $100 bonus in the account within 4 weeks after completing these qualifying activities. While you wait, you’ll enjoy one of the best savings yields around (currently 0.55% APY but subject to change with prevailing rates).

If you enjoy your experience with Alliant, consider pairing your Ultimate Opportunity Savings Account with a Free Teen Checking Account, whose high yield makes it one of the best bank accounts for kids under 18.

Learn More


Final Word

Take your pick of these bank promotions. You’ve earned them. But don’t let bank account bonuses have the last word on where you choose to bank.

When choosing a bank, it’s important to find one that suits your needs – whether that’s favorable interest-bearing accounts, low or no fees, overdraft protection, access to potentially lucrative cash-back credit cards, or mobile-friendly online banking features.

Bank account promotions for new customers are wonderful, but taking advantage of permanent perks is a long-lasting bonus in its own right. You deserve a bank that’s willing to work every day to earn your business.

Editorial Disclosure: This content is not provided or commissioned by the bank advertiser. Opinions expressed here are the author’s alone, not those of the bank advertiser, and have not been reviewed, approved, or otherwise endorsed by the bank advertiser. This site may be compensated through the bank advertiser Affiliate Program.

Источник: https://www.moneycrashers.com/best-new-bank-account-promotions-offers/

Important: Advance Child Tax Credit Payments Info & More!​​

5 easy ways GoBank can help you quickly access the advance Child Tax Credit payment and other Government benefits.​​ For eligible Child Tax Credit payment recipients, we’ll get you fast access to your funds and post them to your account as soon as we receive the instructions from the IRS.

  1. Expecting a Child Tax Credit payment?

    • If you have already filed your 2020 tax refund and have set up direct deposit to your GoBank account, and you are eligible, no action is required! Sign up for Account Alerts to be notified of incoming payments. Message and data rates may apply.
    • If you haven’t filed your 2020 taxes yet, the IRS will use the last direct deposit information that they have on file.
    • If you are expecting a paper check, click here to find out how to cash or deposit a check to your account. Get a $5 credit with Ingo Money when you cash a check to your GoBank account. Terms and conditions apply. See details below.*
    • If you aren’t required to file a tax return and haven’t given the IRS your information already, you will need to provide them some basic info here so they can determine your eligibility.
  2. Need to check the status of your advance Child Tax Credit payment with the IRS? Keep checking the IRS advance Child Tax Credit payment page for tools to help you check your eligibility and manage and unenroll from payments. Please note that GoBank does not have any information regarding your payment status or eligibility.

  3. Need a replacement card? If you have misplaced your card and need to report it lost or stolen, log in to GoBank.com or the mobile app to request a new card.** Make sure the address we have on file is correct.

  4. Need to open a bank account to receive a bank account number instantly?Open an account to get started! Check IRS.gov/childtaxcredit2021 to find out when you can add your bank account information to receive the Child Tax Credit payment. Otherwise, people should watch their mail around July 15 for their mailed payment.

    Tip: Access your funds with early direct deposit for payroll or Government benefits such as SSA, or SSI. Timing for early direct deposit depends on deposit verification and when receive notice from your benefits provider and may vary from pay period to pay period. Child Tax Credit, Government stimulus and other payments will be posted to your account as soon as we receive the instructions from the IRS.

  5. Have more questions? Check the IRS website for more info about advance Child Tax Credit payments or Government stimulus.

  6. General information regarding the Child Tax Credit or Government stimulus payment on this page is based upon information provided by IRS.gov and we will make our best efforts to keep this information timely. Please note that GoBank does not have any information regarding the status or eligibility of your Child Tax Credit or Government stimulus payment.


Your security

Your money is safe with us; we are a member of the FDIC. Plus, as an FDIC-insured digital bank without traditional branches or banker’s hours, you won’t have to worry about your ability to bank with us.

Watch out for scammers. The Federal Trade Commission Consumer information division has current guidance.

GoBank also has helpful tips about fraud.

Your health

We urge you to stay informed about COVID-19. The CDC has excellent resources and information.

The World Health Organization has additional resources.

Your account

Digital access to your account is the fastest way for self-service banking and 24/7 account access:

View your account balances, transaction history and your account information

Check the status of your direct deposit

Access your bank account and routing number

Make bill payments

Deposit checks

Find an ATM

Important FAQ's

Below are important FAQ’s that will be useful regarding the Child Tax Credit & Government stimulus payment.​ For more info please visit IRS.gov.

When will Child Tax Credit payments be made?
The IRS will pay half the total credit amount in advance monthly payments beginning July 15. You will claim the other half when you file your 2021 income tax return. These changes apply to tax year 2021 only.

How do I know if I am eligible for the Child Tax Credit?
To qualify for advance Child Tax Credit payments, you — and your spouse, if you filed a joint return — must have:

  • a 2019 or 2020 tax return and claimed the Child Tax Credit on the return; or
  • Given the IRS your information in 2020 to receive the Economic Impact Payment using the Non-Filers: Enter Payment Info Here; and
  • A main home in the United States for more than half the year (the 50 states and the District of Columbia) or file a joint return with a spouse who has a main home in the United States for more than half the year; and
  • A qualifying child who is under age 18 at the end of 2021 and who has a valid Social Security number; and
  • Made less than certain income limits.
The IRS will use information you provided earlier to determine if you qualify and automatically enroll you for advance payments. You do not need to take any additional action to get advance payments.

If I don’t file a tax return, how do I give the IRS my info to see if I am eligible for the Child Tax Credit?
If you aren’t required to file a tax return and haven’t given the IRS your information already, you will need to provide the IRS some basic information hereso they can determine your eligibility.

Who is eligible for a second stimulus payment?
Please check IRS.govfor information about your eligibility.

How do I find my AGI?
Your AGI (Adjusted Gross Income) can be found on:
-Line 11 on Form 1040 and 1040-SR (for tax year 2020)
-Line 8b on Form 1040 and 1040-SR (for tax year 2019)
Or if you have not filed 2019 taxes yet, your 2018 AGI can be found on:
-Line 7 of Form 1040 
-Line 35 of Form 1040NR

If I am not required to file a tax return, am I eligible for a stimulus payment?
Yes, if you meet the eligibility requirement. While you won’t receive an automatic payment now, you can still claim the equivalent Recovery Rebate Credit when you file your 2020 federal income tax return.

Most Social Security retirement and disability beneficiaries, railroad retirees and those receiving veterans’ benefits do not need take any action to receive a payment. Earlier this year, the IRS worked directly with the relevant federal agencies to obtain the information needed to send out the new payments the same way benefits for this group are normally paid. For eligible people in this group who didn’t receive a payment for any reason, they can file a 2020 tax return. Please visit IRS.govfor more information on eligibility.

I am currently a College student, am I eligible for a stimulus payment?
This depends. If you are an independent on your most recently filed tax returns, you would be eligible for a stimulus check. If someone claimed you as a dependent on their tax returns, you would not be eligible.

Will my stimulus payment be considered taxable income?
No. The stimulus checks will not be taxable income.

Where is my stimulus check?Keep checking the IRS Get My Payment portalto find out the status of your stimulus payment . Please note that GoBank does not have any information regarding your stimulus payment status or eligibility. The IRS will update the tool with new information as necessary.

Will my stimulus payment arrive earlier than the scheduled delivery date?
For eligible stimulus recipients, we’ll work to get you fast access to your funds. We will post the funds as soon as we receive the instructions from the IRS. Please visit IRS.govfor more information about your payment status.

Misplaced your card or need to order a new one?
You can order a new card by logging into your account.

Are government stimulus payments automatic for eligible taxpayers?
  • Customers with their account information on file with the IRS from their 2020 tax filing will automatically receive a third stimulus payment to the same account if they are eligible.
  • If you haven’t filed your 2020 taxes yet, the IRS will use the last direct deposit information that they have on file. Please visit IRS.gov for more information on eligibility.
How much money am I going to get from the government stimulus?
Please visit herefor details. GoBank has no information regarding the amount of your payment.

Will my deposit get rejected since I closed my card/account?
The IRS will use the direct deposit information already in their systems to send the payments. If the IRS attempts to make a deposit to a closed account, the deposit will be rejected and returned to the IRS. The IRS will issue you either a paper check or a debit card. The IRS will automatically process any rejected stimulus payment in the form of a physical check, within 14 days, to the address you have on file with the IRS. Please visit IRS.govfor more information about your payment status.

Can I set up direct deposit or deposit a stimulus payment if a different name or social security number is listed on the payment?
Prior to setting up direct deposit or depositing your stimulus payment, please make sure the name and social security number on file with the IRS matches what’s on your GoBank account exactly. GoBank will not be able to deposit your stimulus payment if we are unable to match recipients.

Where do I find out more about how early direct deposit works for government benefits or payroll?
You can find more info hereabout our ASAP Direct Deposit™ program. Also hereare some helpful FAQ’s regarding direct deposit.

Timing for early direct deposit depends on deposit verification and when receive notice from your benefits provider and may vary from pay period to pay period. Unemployment benefits are not eligible for early direct deposit.



This notice contains hyperlinks to cdc.gov, consumer.ftc.gov, freefillableforms.com, irs.gov, who.int/., careeronestop.org, nylag.org, nytimes.com and themuse.com. GoBank does not provide, and is not responsible for the products, services, or overall website content available on cdc.gov, consumer.ftc.gov, freefillableforms.com, irs.gov, who.int/., careeronestop.org, nylag.org, nytimes.com and themuse.com. The GoBank Privacy Policy does not apply to cdc.gov, consumer.ftc.gov, freefillableforms.com, irs.gov, who.int/., careeronestop.org, nylag.org, nytimes.com and themuse.com. and you should consult the privacy disclosures on cdc.gov, consumer.ftc.gov, freefillableforms.com, irs.gov, who.int/., careeronestop.org, nylag.org, nytimes.com and themuse.com for further information.


The views and opinions expressed here may not represent the views and opinions of Green Dot Corporation or its affiliates. It is presented for general informational purposes only and does not constitute tax, legal or business advice.


*Redeem the promo code and the $5 credit will be applied to account at the time the check funds are deposited to the account. Promo code is one-time use, limited to the promo period.


Ingo Money will provide all customer service for mobile check cashing using the Ingo Money App.


The Ingo Money service is provided by First Century Bank, N.A. and Ingo Money, Inc., subject to the First Century Bank and Ingo Money Terms and Conditions and Privacy Policy.


Approval review usually takes 3 to 5 minutes but can take up to one hour. All checks are subject to approval for funding in Ingo Money’s sole discretion. Fees apply for approved Money in Minutes transactions funded to your card or account. Unapproved checks will not be funded to your card or account. Ingo Money reserves the right to recover losses resulting from illegal or fraudulent use of the Ingo Money Service. Your wireless carrier may charge a fee for data usage. Additional transaction fees, costs, terms and conditions may be associated with the funding and use of your card or account. See your Cardholder or Account Agreement for details.


Green Dot Bank is not affiliated in any way with Ingo Money and do not endorse or sponsor the offer.
** Fees may apply. See your account agreement for fees, terms and conditions.
© 2021 Ingo Money, Inc. All rights reserved.


Card issued by GoBank, a brand of Green Dot Bank, Member FDIC, pursuant to a license from Visa U.S.A., Inc. Visa is a registered trademark of Visa International Service Association. Green Dot Bank also operates under the following registered trade names: GO2bank, GoBank and Bonneville Bank. Registered trade names are used by, and refer to, a single FDIC-insured bank, Green Dot Bank. Deposits under any of these trade names are deposits with Green Dot Bank and are aggregated for deposit insurance coverage. Green Dot is a registered trademark of Green Dot Corporation.

Источник: https://www.gobank.com/

Can I Open a Bank Account With No Deposit ?

Banking services provided by The Bancorp Bank or Stride Bank, N.A., Members FDIC. The Chime Visa® Debit Card is issued by The Bancorp Bank or Stride Bank pursuant to a license from Visa U.S.A. Inc. and may be used everywhere Visa debit cards are accepted. The Chime Visa® Credit Builder Card is issued by Stride Bank pursuant to a license from Visa U.S.A. Inc. and may be used everywhere Visa credit cards are accepted. Please see back of your Card for its issuing bank.

While Chime doesn’t issue personal checkbooks to write checks, Chime Checkbook gives you the freedom to send checks to anyone, anytime, from anywhere. See your issuing bank’s Deposit Account Agreement for full Chime Checkbook details.

By clicking on some of the links above, you will leave the Chime website and be directed to a third-party website. The privacy practices of those third parties may differ from those of Chime. We recommend you review the privacy statements of those third party websites, as Chime is not responsible for those third parties' privacy or security practices.

Opinions, advice, services, or other information or content expressed or contributed here by customers, users, or others, are those of the respective author(s) or contributor(s) and do not necessarily state or reflect those of The Bancorp Bank and Stride Bank N.A. (“Banks”). Banks are not responsible for the accuracy of any content provided by author(s) or contributor(s).

1 Chime SpotMe is an optional, no fee service that requires a single deposit of $200 or more in qualifying direct deposits to the Chime Spending Account each month. All qualifying members will be allowed to overdraw their account up to $20 on debit card purchases and cash withdrawals initially, but may be later eligible for a higher limit of up to $200 or more based on member's Chime Account history, direct deposit frequency and amount, spending activity and other risk-based factors. Your limit will be displayed to you within the Chime mobile app. You will receive notice of any changes to your limit. Your limit may change at any time, at Chime's discretion. Although there are no overdraft fees, there may be out-of-network or third party fees associated with ATM transactions. SpotMe won't cover non-debit card transactions, including ACH transfers, Pay Friends transfers, or Chime Checkbook transactions. See Terms and Conditions.

2 Out-of-network ATM withdrawal fees apply except at MoneyPass ATMs in a 7-Eleven location or any Allpoint or Visa Plus Alliance ATM. Other fees such as third-party and cash deposit fees may apply.

3 Early access to direct deposit funds depends on the timing of the submission of the payment file from the payer. We generally make these funds available on the day the payment file is received, which may be up to 2 days earlier than the scheduled payment date.

4 https://www.chime.com/

5 https://www.capitalone.com/

6 https://www.banking.barclaysus.com/index.html

7 https://www.ally.com/

8 https://www.chase.com/

© 2013-2021 Chime. All Rights Reserved.

Источник: https://www.chime.com/blog/can-i-open-a-bank-account-with-no-money/

Comparing the best Bank of America credit cards

The information for the Air France KLM World Elite and Free Spirit Travel More cards has been collected independently by The Points Guy. The card details on this page have not been reviewed or provided by the card issuer.

Best Bank of America credit cards

Bank of America Customized Cash Rewards credit card

Annual fee: $0.

Sign-up bonus: $200 after you spend $1,000 on purchases in the first 90 days of account opening.

Earning rate: 3% cash back in the category of your choice each month (gas, online shopping, dining, travel, drug stores or home improvement and furnishings), 2% at grocery stores and wholesale clubs (on up to $2,500 in combined choice category/grocery store/wholesale club purchases each quarter, then 1%) and 1% on everything else.

Why you should apply: The Bank of America Customized Cash Rewards card is one of the only credit cards that allows you to essentially customize your rewards structure to fit your changing spending habits throughout the year — with the chance to change categories every month. This is especially valuable right now, as many people continue to shift their spending habits away from gas and travel to online shopping and takeout, thanks to the ongoing pandemic. This card will give you the freedom to change your rewards every month to maximize your spending, and then revert back to other spending categories once you are traveling and going to work again.

Related: Credit cards we’re using most during the pandemic

Bank of America Travel Rewards credit card

Annual fee: $0.

Sign-up bonus: 25,000 points after you spend $1,000 in purchases in the first 90 days of account opening — which can be redeemed for a $250 statement credit toward travel purchases.

Earning rate: 1.5x on all purchases.

Why you should apply: This card operates similarly to the Capital One Venture Rewards Credit Card. You’re earning flat-rate rewards across all spending, and then you can use those rewards as a statement credit to erase eligible travel purchases.

Although this certainly isn’t the most lucrative or flexible rewards card, it is perfect for low-budget beginner travelers who want a card with no annual fee and a simple way to earn and redeem points.

Bank of America Premium Rewards credit card

Annual fee: $95.

Sign-up bonus: 50,000 points (a $500 value) after you spend $3,000 in purchases in the first 90 days of account opening.

Earning rate: 2x on travel and dining, and 1.5x on all other purchases. 

Why you should apply: For such a low annual fee, this Bank of America card packs a punch. You’ll get $500 in value out of the sign-up bonus, and you’ll get perks such as an up-to-$100 annual airline incidental statement credit and an up-to-$100 credit that can be applied toward the Global Entry or TSA PreCheck enrollment fee every four years.

It also comes with travel insurance protections including trip delay/cancellation/interruption insurance, baggage delay/loss insurance, emergency evacuation and transportation insurance, and rental car insurance — perks that normally come with more premium cards.

The Premium Rewards card is a bit more flexible than Bank of America’s other branded credit cards because you can redeem your rewards for travel, cash back or even deposit into a linked Bank of America or Merrill account. Plus, the fact that you earn 1.5x on non-bonus spending means this is a good card for everyday purchases.

However, you can boost your return by as much as 75% through Bank of America’s Preferred Rewards program. To participate, you’ll need an eligible Bank of America checking account and an average daily balance of at least $20,000 in qualifying deposit or investment accounts. The largest bonus is available to customers with a balance of $100,000 or more — at that level, you’ll earn 3.5 points per dollar on dining and travel, and an impressive 2.62 points per dollar on non-bonus spending.

If you already have high-value accounts with Bank of America, then getting this card is a no-brainer. If not, establishing a new banking relationship — like The Points Guy, Brian Kelly, did — may be a profitable move.

Related: The 5 credit cards The Points Guy is using the most in 2020

Best Bank of America airline credit cards

Alaska Airlines Visa Signature credit card

Annual fee: $75.

Sign-up bonus: 40,000 bonus miles and Alaska’s Famous Companion Fare from $121 ($99 fare plus taxes and fees from $22) after you make $2,000 or more in purchases within the first 90 days of opening your account.

Earning rate: 3x on eligible Alaska Airlines purchases and 1x on other purchases.

Why you should apply: Alaska miles open up some exciting redemption options. TPG values Alaska miles at 1.8 cents each thanks to an incredible partner award chart, making the sign-up bonus worth $720. The card also comes with a companion fare, which will give your companion traveling on the same itinerary a free coach ticket on Alaska-operated flights from $121 ($99 fare plus taxes and fees from $22), among other perks like discounts on inflight purchases and lounge passes. Alaska miles are even more valuable now that Alaska has joined Oneworld and American Airlines and Alaska have launched reciprocal mileage earning.

Related: I flew Alaska on its first day in Oneworld: Here’s what it was like as an American Airlines elite

Air France KLM World Elite Mastercard

AIRPORT ORLY, PARIS, FRANCE - 2018/02/18: AirFrance Airbus 319 seen at Paris Orly airport. (Photo by Fabrizio Gandolfo/SOPA Images/LightRocket via Getty Images)

Annual fee: $89.

Sign-up bonus: For a limited time, you can earn 50,000 miles and a $100 statement credit after you spend $2,000 within the first 90 days of account opening.

Earning rate: 3x on Air France, KLM and purchases with SkyTeam member airlines, and 1.5x on everything else.

Why you should apply: Earning Flying Blue miles isn’t difficult with the multiple airlines which are part of the program (plus credit cards and other airlines as transfer partners), but this card can help you top off your account. If you fly with airlines that earn Flying Blue miles frequently, it’s worth taking a look at this card to help you boost your miles balance.

Related: The ultimate guide to earning and redeeming with Air France-KLM Flying Blue

Free Spirit Travel More World Elite Mastercard

A Spirit Airlines Inc. plane sits on the tarmac at Fort Lauderdale International Airport (FLL) in Fort Lauderdale, Florida, U.S., on Friday, June 2, 2017. Revenue generated from the U.S. accounts for nearly 90 percent of Spirit's revenue. Photographer: Saul Martinez/Bloomberg via Getty Images

Annual fee: $79, waived the first year.

Sign-up bonus: 40,000 bonus points plus a $100 Companion Flight Voucher after making at least $1,000 in purchases within the first 90 days of account opening.

Earning rate: 3x on eligible Spirit purchases, 2x on eligible dining and grocery store purchases, and 1x on all other purchases.

Why you should apply: Spirit is an ultra-low-cost carrier with a no-frills approach to flying. While it won’t be winning any TPG awards for the best premium flight experiences, budget travelers can take advantage of its low prices on both cash and award flights (redemptions start at only 2,500 miles with Spirit’s revamp of its loyalty program, Free Spirit). This card offers a solid way to rack up miles for this airline and an easy-to-hit welcome bonus.

Related: Hear us out: Why Spirit gives Delta a run for its money in our head-to-head comparison

Best Bank of America business credit cards

Bank of America Business Advantage Customized Cash Rewards Mastercard

Annual fee: $0.

Sign-up bonus: $300 statement credit after you spend $3,000 on purchases in the first 90 days of account opening.

Earning rate: 3% cash back in the business category of your choice and 2% on dining (on the first $50,000 in combined choice category/dining purchases each calendar year, then 1%), and 1% on all other purchases.

Why you should apply: Just like the personal version of this card, the Bank of America Business Advantage Customized Cash Rewards Mastercard allows you customize your rewards structure to fit your needs. The available 3% bonus categories include gas stations, office supply stores, travel, TV/telecom and wireless services, computer services and business consulting services. For those with business credit cards who need the flexibility to switch the 3% cash-back category each month, this is a one-of-a-kind option.

Bank of America Business Advantage Travel Rewards World Mastercard

Annual fee: $0.

Sign-up bonus: 30,000 points after you spend $3,000 on purchases in the first 90 days of account opening — which can be redeemed for a $300 statement credit toward travel or dining-related purchases.

Earning rate: 3x on travel booked through Bank of America Travel Center and 1.5x on all other purchases.

Why you should apply: For a no-annual-fee card, it has quite a lucrative earning potential — especially if you tend to book travel through a third-party platform such as Expedia. If you also qualify for the Bank of America Preferred Rewards program (more on that below), you could earn up to 25-75% more rewards, or an up to 3.75-5.25x rate on travel purchases. That earning rate beats the rates of plenty of top business credit cards on the market, and you don’t even have to pay an annual fee to take advantage of it.

How we chose the best Bank of America credit cards

After looking at Bank of America’s credit card lineup, we studied the cards’ pros and cons. We evaluated each card type and each card’s details. Bank of America cards can be broken down into three categories: Bank of America-branded cards, airline cards and business cards.

Bank of America’s branded cards are the issuer’s primary cards that can take advantage of the Preferred Rewards program. Airline cards are cobranded options for flyers loyal to certain airline programs. Business cards are similar to Bank of America’s consumer options but use a separate Preferred Rewards program.

When looking at each card within their respective categories, we evaluated the sign-up bonus, rewards, perks, redemption and annual fees before choosing which ones are worth looking at.

Bank of America application restrictions

Although not nearly as restrictive as Chase’s infamous 5/24 rule, Bank of America has its own system in place to limit the number of new accounts for which you can be approved, often referred to as the 2/3/4 rule. You can only be approved for:

  • Two cards in a rolling two-month period.
  • Three cards in a rolling 12-month period.
  • Four cards in a rolling 24-month period.

Note that this doesn’t apply to business cards issued by Bank of America, and also doesn’t count cards issued to you by another bank. If you max out all five of your slots with Chase, you shouldn’t have a problem turning around and applying for an offer like the 40,000 miles and Alaska’s Famous Companion Fare from $121 ($99 plus taxes and fees from $22) after you spend $2,000 on purchases in the first 90 days of account opening on the Alaska Airlines Visa Signature credit card.

However, there are reports of Bank of America adding restrictions to card application approvals that mirror Chase’s 5/24 rule. Although the exact threshold is unconfirmed, opening too many cards over the course of a year (across all issuers) could mean your Bank of America application is denied. Of course, you’re less likely to be denied if you have an existing customer relationship with the bank.

You should also know that you can’t be approved for a second version of the same card within 90 days of your first application, which means you can’t double-dip this elevated Alaska bonus to try and score a Cathay Pacific first-class award solely through sign-up bonuses.

Maximizing Bank of America Preferred Rewards

It’s no secret that Bank of America favors cardholders with whom it has banking relationships. This is less than ideal for anyone who keeps their money with other banks, but you can take advantage of a number of perks and benefits if you are a Bank of America customer who qualifies for the Preferred Rewards program. You can read all about the program here, but to qualify you’ll need:

  • An eligible Bank of America personal checking account.
  • A three-month average combined balance of $20,000 or more in a Bank of America account and/or Merrill investment accounts.

If you meet these requirements, your earning rates become significantly higher.

If you qualify for Platinum Honors, you’ll be earning 3.5x on dining and travel, plus 2.62x on all other purchases with the Bank of America Premium Rewards card. A 2.62% return makes that card one of the best options for non-bonus everyday spending.

If you aren’t currently banking with Bank of America, it might be worth moving some money over, like The Points Guy himself did when the Premium Rewards card launched. TPG’s Richard Kerr has also said for a long time that Bank of America Preferred Rewards is not a program to be ignored. Fixed-value cards get a little more appealing every time an airline devalues its award chart or restricts premium-cabin redemptions, and when you combine the above-average earning rates with the fact that you get “paid” $5 a year to keep the Premium Rewards card open, it begins to look very appealing.

The good news for those who currently have Preferred Rewards status is that you don’t have to worry about maintaining your balance right now. Bank of America recently sent out email updates to Preferred Rewards members stating that they’ve temporarily suspended their annual program review process. This means anyone with status right now should continue to receive the same level of benefits, even if you drop below the minimum balance requirement. They are still allowing people to qualify for tiers, though.

Bottom line

Uncovering the value of Bank of America’s credit cards takes a little more work than with other issuers. But between high-value cash back on everyday spending and one of the only cobranded credit cards worth consistently spending on, there’s too much here to simply ignore. At the very least, everyone should take a hard look at the Premium Rewards card and Alaska Airlines Visa Signature card. You might find that one of these cards has a worthwhile place in your wallet.

For additional reading, check out our picks for the best credit cards.

Additional reporting by Stella Shon.

Featured photo by John Gribben/The Points Guy.

Updated on 11/3/21.

Источник: https://thepointsguy.com/credit-cards/bank-of-america/
"Found money” is a notion that makes the heart sing, especially when the economy is uncertain. Pocketing hundreds of dollars unexpectedly would make anyone's day.

Well aware that people love freebies, a number of major financial institutions are enticing consumers to open checking or savings accounts with offers of hefty, one-time cash bonuses. These offers could net you as much as $750. That's better than a toaster.

What's in it for banks?

Attractive sign-up bonuses help to differentiate them in a highly competitive market. They also attract new customers — and new money, says Greg McBride, chief financial analyst at Bankrate.com. And, he says, bonuses are higher for larger accounts, which are more profitable over time.

The catch: To receive, and keep, your bonus, you'll have to abide by the rules for each offer. Generally speaking, McBride says, doing so will require plunking down new money. Bonuses will not be paid for depositing funds in an existing account at the bank, or for funds you transfer from a different account at the same bank.

"Bank bonuses will often require additional activity, such as monthly direct deposits. And a standard requirement with these bonuses is to maintain the balance in the account for a specific amount of time or risk having some or all of the bonus clawed back,” he says.

Here are four current offers to consider.

1. Citizens Bank — $300

Citizens Bank in Providence, Rhode Island, will award you $300 for opening a personal checking account between now and Nov. 26. All you need to do is make a direct deposit of $500 or more within 60 days of opening the account. In addition, you can earn $2 on each debit card purchase, up to $100, if made within those 60 days.

The fine print: As the primary signer on the new checking account, you may not have been a signer on any Citizens personal checking account within the previous six months. Direct deposit is defined as recurring income electronically added to your Citizens checking account and may include salary, pension and other regular income.

2. Chase — $200

Chase is offering a $200 bonus to new customers who open a Total Checking Account now through Jan. 20.

The fine print: To qualify for the bonus, you must not have an existing Chase fiduciary or checking account (or had one closed with a negative balance or within the last 90 days). In addition, you will be required to make a direct deposit or deposits that total $500 or more in the first 90 days.


Источник: https://www.aarp.org/money/investing/info-2020/new-bank-account-bonus-offers.html

Best Checking Account Bonuses for 2021 (Up to $700 Bonus Cash)

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Are you looking for a checking account with more rewards for 2021? You’re in luck as we’ve rounded up the best checking account bonuses, giving you an excellent place to start. If you’re wondering if bank bonuses are worth it, know that banks are willing to reward your loyalty by giving you cash rewards.

The Best Checking Account Bonuses for 2021

It’s easy to solely focus on maximizing credit card bonuses but overlook checking accounts. After all, credit cards tend to be more exciting and are usually advertised more frequently. However, having the right checking account can both pad your wallet and make it easy to access your cash.

However, note that before applying for any bonus, make sure you read the bonus offer details. Look for any potential fees. Don’t give back your earnings to the bank because of extra fees.

Here are some of the best checking account bonuses for 2021.

Chase Bank

Chase Business Complete Banking

If you’re interested in a business account, check out the Chase Business Complete Banking℠ option. Account-holders have multiple ways to waive monthly service fees, including maintaining a minimum daily balance or purchases on their Chase Ink® Business credit card.

New members can get $300 as a new Chase business checking customer when you open a Chase Business Complete Banking℠ account with qualifying activities.

To earn the $300 bonus, complete these qualifying activities:

  • Open a Chase Business Complete Banking℠ account online or in branch
  • Deposit at least $2,000 in new money within 30 days of account opening
  • Maintain a minimum $2,000 balance for 60 days
  • Complete 5 qualifying transactions within 90 days of opening an account

This offer expires on 01/20/2022.

Related: Best Chase Checking Accounts

Chase First Banking

Another option worth mentioning is a Chase First Banking℠ account,a debit card for kids ages 6-17 with no monthly service fee. Kids can also learn to spend, save and earn—all from the Chase Mobile® app.

While it can be used by parents to help teach their teens and kids money management, you must be an existing Chase checking customer to open a Chase First Banking℠ account. There is a $0 minimum balance to open the account and a $0 monthly service fee.

Parents can set limits on where and how money is spent as well as how much can be withdrawn at ATMs. Additionally, alerts can be set up to keep track of expenses. Parents can also pay allowances through the Chase Mobile app.

Share good money habits this season with Chase First Banking.

CIT Bank

The CIT Bank eChecking account doesn’t offer a signup bonus but offers these perks:

  • No monthly service fees
  • The entire account balance earns interest
  • Up to $30 in monthly non-network ATM fee reimbursements
  • Online bill pay

The minimum initial deposit is $100. You do not need to enroll in direct deposit or maintain a minimum balance, hassles that some of the other banks require to earn a bonus or waive the monthly service fee. Having an average daily balance of at least $25,000 waives the $10 outgoing wire transfer fee.

An eChecking account can be your best option if you want a (mostly) fee-free checking account or only have a small amount of cash to deposit. Two incidental fees you might pay are a $30 overdraft fee and a 1% fee for international purchases and ATM withdrawals. While CIT Bank is an online-only bank, you have plenty of ways to access your cash. For instance, you can transfer money to friends using Zelle®, Samsung Pay, or Apple Pay.

Savings Options Worth Mentioning

CIT Bank has several savings account options you may like as well. The CIT Bank Money Market Account requires a $100 initial deposit. Unlike other money market products, this one doesn’t come with a debit card or paper checks. But you can enroll in online bill pay and can make up to six free monthly withdrawals. This account can be a good option if you don’t want separate savings and checking accounts.

The CIT Bank Savings Builder High Yield Savings Account can motivate you to save at least $100 each month. After the minimum $100 initial deposit, a recurring monthly deposit of $100 (or a minimum $25,000 account balance) lets you earn up to 0.40% APY. This interest rate is higher than most standard savings accounts.

Each account can have higher interest rates and make it easier to waive the monthly service fee than most brick and mortar banks.

Chime Bank

The information for Chime Bank has been collected independently by Johnny Jet. The card details on this page have not been reviewed or provided by the card issuer.

Chime Bank offers a free Spending Account that’s similar to checking accounts that banks offer. There are no monthly account fees and you get a free Visa debit card. You cannot get a paper checkbook but Chime will mail checks of up to $5,000 for free within the 50 states and Washington, D.C.

Your Chime Spending Account includes these perks:

  • Free-free SpotMe overdraft protection
  • Receive direct deposits up to two days early
  • Over 38,000 fee-free ATMs (MoneyPass and Visa Plus Alliance networks)
  • Instant money transfers to other Chime members
  • $0 initial deposit
  • No minimum balance requirement

You can qualify for free SpotMe overdraft protection when you receive at least $500 in monthly direct deposits. Your overdraft protection limit is between $20 and $100. Chime uses your next deposit to repay the negative payment balance.

Your Chime Visa debit card can make fee-free withdrawals at MoneyPass and Visa Plus Alliance ATMs across the United States. If you forget your card, the Chime App lets you instantly freeze and unfreeze your card.

Savings Accounts Worth Mentioning

One downside of opening a Chime Bank Spending Account is no signup bonus. Chime Bank is a good option if you’re new to banking or want a simple fee-free account. If you transfer money to friends often, Chime Bank has fewer instant transfer capabilities than other banks. You can make instant transfers to other Chime members using Chime’s Pay Friends mobile app. Chime supports other third-party payment apps including Apple Pay and Google Pay.

It’s possible to make up for the lack of a Spending Account bonus by stashing your extra cash into a High Yield Chime Savings Account. All deposits currently earn 1.00% APY with no required minimum balance. You won’t pay a monthly account fee with this savings account either.

You can optimize your spending and savings accounts by enabling savings round-ups with your Chime debit card. Chime can round up your debit card purchases and transfer the round-up to your savings account. It’s also possible to schedule recurring transfers from each Spending Account direct deposit.

HSBC (Up to $450 Bonus Cash)

The information for HSBC has been collected independently by Johnny Jet. The card details on this page have not been reviewed or provided by the card issuer.

If you have a high net worth, check out the HSBC checking account promotions. It’s possible to get up to $450 bonus cash which is a large checking account bonus.

As a heads up, HSBC bonus offers have some of the strictest terms and conditions. After meeting the initial account setup rules, you may need to maintain minimum activity for several months.

Premier Checking

You will need to open a Premier Checking account to get a $450 cash bonus. The promotion requirements include:

  • Opening an account by August 31, 2021
  • Make recurring monthly Qualifying Direct Deposits totaling at least $5,000 from a third party to your HSBC Premier checking account(s) for 3 consecutive calendar months from the second full calendar month after account opening
  • Automatically receive a $450 Welcome Deposit in your checking account 8 weeks after completing qualifying activities

Premier Checking benefits include:

  • No fees on everyday banking transactions (includes wire transfers)
  • Unlimited ATM withdrawals
  • Global Premier status at all worldwide HSBC affiliates

PNC Bank (Up to $200 Bonus Cash)

The information for the PNC Bank has been collected independently by Johnny Jet. The card details on this page have not been reviewed or provided by the card issuer.

You can earn $200 by joining PNC Bank.

  • $200 bonus cash: Open and establish total qualifying direct deposit(s) of $2,000 or more to the new Virtual Wallet Checking Pro.

To qualify, the new Virtual Wallet Checking Pro must be opened by 09/30/2021 and a qualifying Direct Deposit(s) must be received within the first 60 days. The account must remain open in order to receive the reward, which will be credited on the account statement within 60-90 days after all conditions have been met.

Summary

If you live in a region served by one of the brick-and-mortar banks, this can be a fun way to add some extra cash to your wallet. Banks may only offer these banks to new customers. If you can achieve the bonus offer requirements, it can be worth opening a new bank account. Hopefully one of these best checking accounts bonuses in 2021 options works for you.

FAQs

Which banks offer a bonus for opening an account?

Most national banks offer one-time signup bonuses for new bank customers. It’s possible to earn bonuses for opening new checking and savings accounts. How much you can earn depends on which account you open and the bonus requirements.

For instance, offers that require larger initial deposits or direct deposits tend to offer higher bonus payouts.

Some of the banks to consider looking at first include:

  • Chase
  • Citi
  • Bank of America
  • Wells Fargo
  • PNC
  • Fifth Third Bank
  • US Bank
  • HSBC
  • TD Bank

You are less likely to find bonus offers for online-only banks. However, it’s easier to avoid ongoing fees that traditional banks usually charge.

Are checking account bonuses taxable?

Yes, any bonus cash you earn from a checking account or savings account signup offers is taxable income. When your bank sends you a Form 1099 tax form to report your taxable interest earned for the calendar year, this form will include your bonus cash too.

Paying income tax is one downside of checking account bonuses. To avoid this tax, you may focus on earning credit card signup bonuses which are not subject to taxes under current tax rules.

Which bank is best to open a checking account?

The best bank to open a checking account mostly depends on where you live. Most brick-and-mortar banks require you to enter your zip code to see your available account options. For example, you may live in an area served by Chase Bank but not by Bank of America.

To easily avoid fees, consider joining an online bank like Capital One 360 or Discover Bank. If you don’t need local branch access, this is a free way to get a debit card and have a place to enroll in direct deposit.

Related Articles:

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The comments on this page are not provided, reviewed, or otherwise approved by the bank advertiser. It is not the bank advertiser's responsibility to ensure all posts and/or questions are answered.

Editorial Note: The editorial content on this page is not provided by any bank, credit card issuer, airlines or hotel chain, and has not been reviewed, approved or otherwise endorsed by any of these entities.

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Can I Open a Bank Account With No Deposit ?

Banking services provided by The Bancorp Bank or Stride Bank, N.A., Members FDIC. The Chime Visa® Debit Card is issued by The Bancorp Bank or Stride Bank pursuant to a license from Visa U.S.A. Inc. and may be used everywhere Visa debit cards are accepted. The Chime Visa® Credit Builder Card is issued by Stride Bank pursuant to a license from Visa U.S.A. Inc. and may be used everywhere Visa credit cards are accepted. Please see back of your Card for its issuing bank.

While Chime doesn’t issue personal checkbooks to write checks, Chime Checkbook gives you the freedom to send checks to anyone, anytime, from anywhere. See your issuing bank’s Deposit Account Agreement for full Chime Checkbook details.

By clicking on some of the links above, you will leave the Chime website and be directed to a third-party website. The privacy practices of those third parties may differ from those of Chime. We recommend you review the privacy statements of those third party websites, as Chime is not responsible for those third parties' privacy or security practices.

Opinions, advice, services, or other information or content expressed or contributed here by customers, users, or others, are those of the respective author(s) or contributor(s) and do not necessarily state or reflect those of The Bancorp Bank and Stride Bank N.A. (“Banks”). Banks are not responsible for the accuracy of any content provided by author(s) or contributor(s).

1 Chime SpotMe is an optional, no fee service that requires a single deposit of $200 or more in qualifying direct deposits to the Chime Spending Account each month. All qualifying members comenity ann taylor mastercard be allowed to overdraw their account up to $20 on debit card purchases and cash withdrawals initially, but may be later eligible for a higher limit of up to $200 or more based on member's Chime Account history, direct deposit frequency and amount, spending activity and other risk-based factors. Your limit will be displayed to you within the Chime mobile app. You will receive notice of any changes to your limit. Your limit may change at any time, at Chime's discretion. Although there are no overdraft fees, there may be out-of-network or third party fees associated with ATM transactions. SpotMe won't cover non-debit card transactions, including ACH transfers, Pay Friends transfers, or Chime Checkbook transactions. See Terms and Conditions.

2 Out-of-network ATM withdrawal fees apply except at MoneyPass ATMs in a 7-Eleven location or any Allpoint or Visa Plus Alliance ATM. Other fees such as third-party and cash deposit fees may apply.

3 Early access to direct deposit funds depends on the timing of the submission of the payment file from the payer. We generally make these funds available on the day the payment file is received, which may be up to 2 days earlier than the scheduled payment date.

4 https://www.chime.com/

5 https://www.capitalone.com/

6 https://www.banking.barclaysus.com/index.html

7 https://www.ally.com/

8 https://www.chase.com/

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29 Best New Bank Account Promotions & Offers – November 2021

It’s possible to make $100s just by opening up a new bank account. But sorting through the best offers can be tricky. There’s no shortage of enticing opportunities for banking clients right now.

We’re happy to do the work for you. The Money Crashers team combs through hundreds of bank account deals every month to find you the most lucrative sign-up bonuses – some worth up to $1,000 or more.

Don’t want to miss out? Read on for our roundup of the best bank promotions for this month and the requirements you must meet to qualify for each. Most are available to new customers in all 50 states, but a few have geographical restrictions to bear in mind.

Top Bank Account Promotions for November 2021

These are the top bank promotions active right now. They include a mix of high-yield checking accounts and high-yield savings accounts.

Many are available through popular brick-and-mortar and online banks that also offer competitive yields on other types of deposit accounts, such as money market accounts and certificates of deposit (CDs).

And if you’re in the market for a new home loan or personal loan, opening a deposit account with one of these banks could entitle you to special privileges, like reduced closing costs and lower interest rates.


1. Citi Priority Account – Up to $1,500 Cash Bonus

Citibank National Association Logofilepath (2)

For a limited time, a checking and savings account bonus worth up to $1,500 when you open a Citi Priority Account and complete all required activities. Here’s how:

  • Open new eligible Citi Priority checking and savings accounts during the offer period (by Jan. 4, 2022).
  • Make a qualifying deposit of funds new to Citi between the checking and savings accounts within 20 days of account opening.
  • 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.

The bonus tiers are as follows:

  • $300: Minimum deposit and minimum balance between $15,000 and $49,999
  • $700: Minimum deposit and minimum balance between $50,000 and $199,999
  • $1,500: Minimum deposit and minimum balance of $200,000 or greater

After completing all qualifying activities, you’ll receive the bonus in your account within 90 calendar days. You must apply from the offer page linked below to earn this offer.

Moving forward, you must maintain a balance of $50,000 or greater in all eligible linked Citi accounts, including linked deposit, retirement and investment accounts.


2. HSBC Premier Checking – $450 Welcome Offer

hsbc

HSBC has another great offer for new Premier Checking customers.

Here’s how it works. Get a $450 Welcome Deposit for eligible new customers who open a new HSBC Premier checking account and complete the following qualifying activities.

  • Open your new HSBC Premier checking account online by Jan. 5, 2022; open checking account bonus bank of america recurring monthly Qualifying Direct Deposits totaling at least $5,000 from a third party to your HSBC Premier checking account(s) for three consecutive calendar months from the second full calendar month after account opening.

You will automatically receive the $450 Welcome Deposit in your new HSBC Premier checking account approximately eight weeks after completing all qualifying activities. It’s that simple.

Deposit products are offered in the U.S. by HSBC Bank USA, N.A., member FDIC.

Apply Now


3. Wells Fargo Everyday Checking – $200 Bonus

Wells Fargo Logo

Open a new Wells Fargo Everyday Checking account and complete the required offer steps to earn a $200 cash bonus. Here’s how it works:

  • Open a new Everyday Checking account using the offer link below, or a new eligible checking account in a participating Wells Fargo branch.
  • Make an opening deposit of at least $25.
  • Receive a total of at least $1,000 in qualifying direct deposits to your new checking account during the qualification period (within 90 calendar days from account opening).

After completing the offer requirements, you should receive your $200 checking bonus within 30 days of the end of the qualification period. Your account must be open through the offer period, and open in good standing when the bonus is sent.

This offer is available to new Wells Fargo checking customers in select cities in AK, AL, AZ, CA, CO, CT, GA, FL, IA, ID, IL, KS, LA, MI, MN, MO, MS, MT, NC, NE, ND, NM, NV, OR, OK, PA, SC, SD, TN, TX, UT, VA, WA, WI, WV, and WY.


4. Chase Total Checking® – $225 Bonus

chase bank logo

Open a new Chase Total Checking® account and set up direct deposit within 90 days of coupon enrollment. You’ll then receive a $225 bonus within 15 business days.

There is a $12 monthly fee, but it’s waived if you meet at least one of the following criteria in each monthly statement period:

  • Execute direct deposits totaling $500 or more made to the account.
  • Maintain a $1,500 minimum daily balance.
  • Maintain an average daily balance of $5,000 or more in qualifying linked deposits or investments.
  • Pay at least $25 or more in qualifying checking-related services or fees.

To receive this bonus, you can either apply online using the link above or enter your email here and take the coupon to a local Chase branch. You must apply by Jan. 19, 2022.

Chase has ATMs and branches in all 48 states in the continental U.S. This offer is available online nationwide, except for residents of AK, HI, and PR.

Apply Now


5. TD Bank Beyond Checking℠ – $300 Cash Bonus

td bank

Apply online for a new TD Bank Beyond Checking account, and you’ll get a $300 cash bonus once you receive direct deposits of more than $2,500 within 60 days. To qualify for this offer, you must be a U.S. resident and apply for the offer online.

The Beyond checking account typically includes a $25 monthly maintenance fee, but it’s waived with monthly direct deposits of $5,000 or more, a minimum daily balance of $2,500, or a combined balance of $25,000 across your eligible TD accounts.

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

Apply Now


6. Aspiration Plus – $200 Bonus

Aspiration Logo

Open a new Aspiration Spend & Save account with Aspiration Plus and complete qualifying activities to earn a $200 account opening bonus.

All you have to do to earn the bonus is open and fund your account with $10 or more, then make at least $1,000 in cumulative eligible debit card purchases within the first 60 days. You should receive your $200 bonus in your account within 120 days.

Moving forward, you’ll enjoy all these Aspiration Plus benefits (and more) for $7.99 per month or $71.88 annually:

  • Earn up to 1.00% interest in your Save account
  • Carbon offsets for your gas purchases with Planet Protection
  • One out-of-network ATM fee reimbursed each month (in addition to unlimited access to more than 55,000 fee-free ATMs in Aspiration’s network)
  • 10% cash back at select partner merchants like Warby Parker and TOMS
  • Instant access to a digital debit card

Apply Now


7. Bank of America Advantage Banking – $100 Bonus Offer

Bank of America Advantage Banking is an innovative checking account with a great bonus offer for new account holders.

Bofa Lo2 Rgb Digital

See offer page for more details.

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.  Safer 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 Open checking account bonus bank of america Lock a misplaced card quickly and easily to 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.

Apply Now

Bank of America, N.A. Member FDIC.


8. Huntington Bank Huntington 25 Checking® — $500 Bonus

Huntington Bank Logo

For a limited time, Huntington Bank has one of the most generous new account opening bonuses available — worth $500 when you complete qualifying activities. Here’s how it works:

  • Open a Huntington Bank Huntington 25 Checking® account between Oct. 1, 2021, and Feb. 7, 2022.
  • Make cumulative new money deposits of at least $15,000 within 60 days of account opening.
  • Keep your account open for a minimum of 90 days.

After completing these qualifying activities, you should receive your $500 bonus in your new account within 14 days

Account available to residents of Colorado, Illinois, Indiana, Kentucky, Michigan, Minnesota, Ohio, Pennsylvania, South Dakota, West Virginia, or Wisconsin

Learn More


9. PNC Virtual Wallet – Up to $300 Bonus

Pnc Bank Logo 1 1

Earn a bonus worth up to $300 when you open a new PNC Virtual Wallet by Dec. 31, 2021, and complete qualifying activities. Here’s how this offer works:

  • Earn $50 when you open a new PNC Virtual Wallet and establish total qualifying direct deposit(s) of $500 or more to the Spend account.
  • Earn $200 when you open a new PNC Virtual Wallet with Performance Spend and establish total qualifying direct deposit(s) of $2,000 or more to the Spend account.
  • Earn $300 when you open a new PNC Virtual Wallet with Performance Select and establish total qualifying direct deposit(s) of $5,000 or more to the Spend account.

Your qualifying direct deposit(s) must be received within the first 60 days. 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 CA, TX, AZ, NM, CO, PA, FL,  OH, WV, DE, NJ, SC, NC, GA, KY, IN, MI, IL, MD, DC, WV, and WI.


10. Acorns Checking – $75 Bonus

Acorns Logo

Looking for a checking account that helps you spend and save for your future? You’re a great candidate for Acorns Checking.

And, for a limited time, you can qualify for a $75 bonus when you open a new Acorns Checking account and complete qualifying activities.

Here’s what you need to do:

  • Set up your Acorns Checking account in 3 minutes or less using the link on this page and get approved for your account by Dec. 31, 2021.
  • Make Acorns Checking your direct deposit method with your employer.
  • Receive 2 direct deposits of at least $250 per deposit during the offer period.

That’s it. Complete these activities and you should see the $75 bonus in your Acorns Checking account within 45 days.

This offer is available to both new and existing Acorns Checking customers who have never set up direct deposit. To earn the bonus, your Acorns Invest account must be open, verified, and in good standing at the time of reward fulfillment, as must be your Acorns Checking account.

Apply Now


11. Chase Secure BankingSM – $100 Bonus

chase bank logo

Open a new Chase Secure BankingSM account and complete qualifying activities within 60 days of coupon enrollment to earn a $100 bonus.

Here’s how it works:

  • Open your account online or enter your email address to get your coupon and bring it to a Chase branch to open an account.
  • Then, complete 10 qualifying transactions within 60 days of coupon enrollment.

You’ll receive your $100 bonus within 15 business days after the qualifying transactions have posted to your account. You must apply by Jan. 19, 2022.

Chase has ATMs and branches in all 48 states in the continental U.S. and this offer is available online nationwide, except for residents of AK, HI, and PR.

Apply Now


12. Axos Bank Rewards Checking — $100 Bonus

Axos Bank Logo

For a limited time only, you can earn a $100 bonus when you open a new Axos Bank Rewards Checking account and complete qualifying activities.

Just open your new account with as little as $50 in new money using the promo code “Holidays.” Then, receive qualifying third-party direct deposits totaling at least $1,500 within the first 60 days of account opening. Your account must remain open for 180 days or an early closure fee of $100 may apply.

That’s all you have to do to earn and keep the bonus. You should receive the bonus in your new checking account within five business days of your third statement cycle date.

Moving forward, earn up to 1.00% APY in a statement period when you complete qualifying activities. See terms for details.

Learn More


13. TD Bank Convenience Checking℠ – $150 Cash Bonus

td bank

As an alternative to the TD Bank Beyond Checking offer above, you can apply online for a new TD Bank Convenience CheckingSM account, which has a much lower minimum balance requirement. You’ll get a $150 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. The Convenience Checking account typically includes a $15 monthly maintenance fee, but it’s waived if you keep a low minimum daily balance of at least $100.

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

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

Apply Now


14. Citigold® Checking Account – Up to $1,500 Cash Bonus

For a limited time, earn a checking and savings account bonus worth up to $1,500 when you open a qualifying Citigold® Checking Account and complete qualifying activities.

Here’s how this bonus opportunity works:

  • Open a Citigold® Checking Account by Jan. 4, 2022
  • Within 20 days of account opening, make a qualifying deposit in new-to-Citi funds between your new checking and savings accounts.
  • Maintain a minimum balance equal to or greater than your minimum deposit between your checking and savings accounts for at least 60 consecutive calendar days after the 21st day.

The bonus tiers are as follows:

  • $300: Minimum deposit and minimum balance between $15,000 and $49,999.
  • $700: Minimum deposit and minimum balance between $50,000 and $199,999
  • $1,500: Minimum deposit and minimum balance of $200,000 or greater

Once you’ve completed the qualifying activities, you should see the bonus deposited in your open, eligible account within 90 calendar days.

This offer is available to new account holders located in all 50 states.

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.


15. BMO Harris Smart AdvantageTM Checking — $200 Bonus

Bmo Harris Logo

Open a new BMO Harris Smart Advantage Checking account by Jan. 28, 2022, and get a $200 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.

That’s it — it’s that simple.

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

You can open your account online, at a BMO Harris branch, online, or by calling 1-800-546-6101. Online account opening is limited to applicants who reside in Arizona, Florida, Illinois, Indiana, Kansas, Minnesota, Missouri or Wisconsin


16. Aspiration – $100 Bonus

Aspiration Logo

Aspiration has another bonus opportunity for new account holders. While this one isn’t quite as generous as the Aspiration Plus opportunity, it also doesn’t involve a monthly maintenance fee.

Here’s how it works:

Allow up to 120 calendar days from your account opening date for the $100 cash bonus to post to your Aspiration Spend & Save account. Your account must be open and in good standing through the credit date.

Apply Now


17. Bask Bank – 1,000 Bonus AAdvantage® Miles

Bask Bank Logo

Bask Bank offers a great opportunity for new account holders to earn American Airlines AAdvantage® miles during the first year after opening a Bask Savings Account.

Here’s how it works:

  • Deposit $5,000 in new money (funds not previously deposited with Bask Bank or its affiliates) into your new Bask Savings Account within 30 days of opening.
  • Maintain a $5,000 minimum balance in the account for at least 90 consecutive days within the first 120 days of account opening and you’ll receive 1,000 AAdvantage® miles.

Bask Bank awards bonus miles within 10 business days of confirming you’ve met the bonus requirements. Allow up to open checking account bonus bank of america weeks for miles to post to your AAdvantage® account.

The value of this offer will be reported to the IRS and the recipient is responsible for any federal, state, or local taxes on this offer.

Apply Now

Bask Bank and BankDirect are divisions of Texas Capital Bank, N.A. Member FDIC. The sum of your total deposits with (i) Bask Bank; (ii) BankDirect; and (iii) Texas Capital Bank, N.A. are insured up to $250,000.  Additional coverage may be available depending on how your assets are held.


18. Huntington Bank Huntington 5 Checking® — $200 Bonus

Huntington Bank Logo

Not ready for a Huntington 25 account? Open a Huntington 5 Checking® account during the offer period and complete qualifying activities to earn a bonus that’s nearly as generous — and much more accessible than Huntington 25’s offer.

Here’s what you need to do:

  • Open a Huntington Bank Huntington 5 Checking® account between Oct. 1, 2021, and Feb. 7, 2022.
  • Make cumulative new money deposits of at least $1,000 within 60 days of account opening.
  • Keep your account open for a minimum of 90 days.

You should receive your $200 bonus in your new account within 14 days after completing the qualifying activities.

Account available to residents of Colorado, Illinois, Indiana, Kentucky, Michigan, Minnesota, Ohio, Pennsylvania, South Dakota, West Virginia, or Wisconsin

Learn More


19. Huntington Bank Asterisk-Free Checking® — $150 Bonus

Huntington Bank Logo

Huntington Bank’s most accessible checking account, the maintenance-fee-free Asterisk-Free Checking®, has a new account opening bonus opportunity as well.

Its bonus requirements are identical to the Huntington 5 offer: Open your account between Oct. 1, 2021, and Feb. 7, 2022, then make cumulative new money deposits of at least $1,000 within 60 days of account opening and keep your account open for a minimum of 90 days.

You should receive the bonus in your account within 14 days of completing qualifying activities.

Account available to residents of Colorado, Illinois, Indiana, Kentucky, Michigan, Minnesota, Ohio, Pennsylvania, South Dakota, West Virginia, or Wisconsin

Learn More


20. Chase Business Complete Checking – $300 Bonus

Chase Bank Logo

Small-business owners (including sole proprietors) can take advantage of an attractive offer on a popular business checking account: $300 for new Chase Business Complete Checking customers who open an account online or in person and complete qualifying activities.

To qualify for this opportunity, simply open a new Chase Business Complete Checking account with qualifying activities. No minimum opening deposit is required. Moving forward, enjoy multiple ways to waive the $15 monthly service fee.

Chase has ATMs and branches in all 48 states in the continental U.S. and this offer is available online nationwide, except for residents of AK, HI, and PR.

Apply Now


21. SoFi Money – Up to $100 Cash Bonus

SoFi Review

Open a new SoFi Money account and complete qualifying activities to earn a cash bonus worth up to $100. Here’s how it works:

  • Open your new account and deposit $100 to earn $25.
  • Set up a direct deposit worth at least $500 to earn an additional $75.

That’s all you have to do to claim $100 in total bonus money. Moving forward, you’ll enjoy FDIC insurance on balances up to $1.5 million and an enviable lineup of perks exclusive to SoFi account holders.

Learn More


22. Axos Bank Basic Business Checking – $100 Welcome Offer

Axos Bank Logo

For a limited time, you may qualify for a $100 welcome bonus when you apply for and open a new Axos Bank Basic Business Checking account.

Here’s how to qualify:

  • Apply for your new Axos Bank Basic Business Checking account using the promo code “EARN100”.
  • Deposit at least $5,000 in new money into your account.
  • Maintain an average daily balance of at least $5,000 during the first three months.

After completing the qualifying activities, you should receive your bonus within five business days of your third statement cycle date. Your account must remain open for at least 180 days to avoid the $50 early closing fee.

Apply Now


23. Brex Cash — Up to 50,000 Bonus Points

Brex Logo

Brex Cash has a two-tiered account opening offer for new customers. Choose whichever option works better for your business’s needs:

  • Earn 30,000 bonus points after opening your account and spending $3,500 in purchases within 30 days.
  • Earn 50,000 bonus points after opening your account and spending $9,000 in purchases within 30 days.

Moving forward, you’ll pay no account fees and won’t be held to any minimum daily balance requirements. Plus, enjoy value-added perks worth as much as $150,000 and a generous ongoing rewards program.

Learn More


24. Acorns Invest – $10 Bonus

Acorns Logo

New Acorns Invest users qualify for an easy $10 with an eligible new account. Here’s how the promotion works:

  • Sign up with Acorns and open a new investment account.
  • Make your first investment in the new account (minimum $5).

That’s all you need to do to receive your $10 bonus. Upgrade to Acorns Personal ($3 per month) to take advantage of a slew of additional features, including a tax-advantaged retirement account and a checking account that promises up to 10% bonus investments on select purchases.

Apply Now


25. SkyOne Federal Credit Union – Up to $500 Gift Card Bonus

Open a SkyOne Federal Credit Union membership with a qualifying account for the opportunity to earn up to $500 in Amazon gift cards.

All you need to do to start earning is refer friends to SkyOne. For each successful referral, you’ll earn another $25 Amazon gift card, up to $500 in total gift card bonuses each year. A “successful referral” counts as an account opened in-person or online that remains open and in good standing for at least 30 days.

You can earn up to $500 in gift cards every year with successful referrals. Moving forward, you must maintain a balance of at least $500 to earn dividends.

Apply Now


26. PSECU – Up to $250 Cash Bonus

New PSECU members can choose from one of two great bonus opportunities worth up to $250 cash. Simply get approved for a PSECU checking account using the promo code “MEMBER”, then complete qualifying activities to qualify for a $250 bonus.

Here’s how it works:

  • Open your account using the promo code “MEMBER”.
  • Add a debit card.
  • Sign up for digital banking.
  • Add a monthly direct deposit of at least $200 (must recur monthly to qualify).

You must complete qualifying activities within 90 days of establishing membership. PSECU will deposit bonus payments to eligible recipients within 45 days after all bonus requirements are satisfied.

These offers are available to new PSECU members who join by Dec. 31, 2021. Applicants who live outside Pennsylvania must join the Pennsylvania Recreation and Park Society and pay the $20 membership fee to become eligible for PSECU membership.

Apply Now


27. Regions Bank – Up to $100 Cash Bonus Each Year
regions bank

Open a new checking account at Regions Bank, either online or at a branch. Next, open a Regions LifeGreen Savings Account with an opening deposit of $50 or more.

Then, set up a recurring monthly transfer of $10 or more from your Regions checking account to your LifeGreen Savings Account and complete at least 12 monthly transfers.

Every year, you’ll receive a 1% savings bonus on your account anniversary date, based on your account’s average monthly balance for the preceding 12 months, up to the max annual savings bonus of $100.

Your bonus should be deposited into your account on the business day following your anniversary date.

Apply Now


28. PNC Bank Business Checking or Business Checking Plus — $200 Cash Bonus

Pnc Bank Logo

New PNC Bank business checking account holders may qualify for a $200 bonus offer available through the end of the first quarter of 2021. Here’s how it works:

  • Open an eligible account (Business Checking or Business Checking Plus) by Dec. 31, 2021.
  • Maintain a $5,000 open checking account bonus bank of america greater) average cycle balance (account balance) for each of the first three statement cycles.
  • Complete 20 or more total qualifying debit card transactions within the first three statement cycles.

You should receive a $200 cash bonus in your new account within 90 days after completing these qualifying activities.

Moving forward, you may be able to waive monthly maintenance fees for Business Checking and Business Checking Plus.

This offer is available nationwide.

Apply Now


29. Alliant Credit Union — $100 Bonus

Alliant Credit Union is offering a rare bonus opportunity on its high-yield savings account (the Alliant Ultimate Opportunity Savings Account) in partnership call first midwest bank Suze Orman, the personal finance expert.

To qualify for Alliant’s $100 bonus, you’ll need to do the following:

  • Apply for an Alliant Ultimate Opportunity Savings Account using Alliant’s easy online application (see Alliant’s website for information about joining if you’re not already a member) by Dec. 31, 2021.
  • For 12 consecutive months, deposit at least $100 into your new savings account each month. You must make your first $100 deposit within 30 days of opening your account.
  • Have a balance of at least $1,200 in your account at the end of the qualification period (12 months).

You should receive your $100 bonus in the account within 4 weeks after completing these qualifying activities. While you wait, you’ll enjoy one of the best savings yields around (currently 0.55% APY but subject to change with prevailing rates).

If you enjoy your experience with Alliant, consider pairing your Ultimate Opportunity Savings Account with a Free Teen Checking Account, whose high yield makes it one of the best bank accounts for kids under 18.

Learn More


Final Word

Take your pick of these bank promotions. You’ve earned them. But don’t let bank account bonuses have the last word on where you choose to bank.

When choosing a bank, it’s important to find one that suits your needs – whether that’s favorable interest-bearing accounts, low or no fees, overdraft protection, access to potentially lucrative cash-back credit cards, or mobile-friendly online banking features.

Bank account promotions for new customers are wonderful, but taking advantage of permanent perks is a long-lasting bonus in its own right. You deserve a bank that’s willing to work every day to earn your business.

Editorial Disclosure: This content is not provided or commissioned by the bank advertiser. Opinions expressed here are the author’s alone, not those of the bank advertiser, and have not been reviewed, approved, or otherwise endorsed by the bank advertiser. This site may be compensated through the bank advertiser Affiliate Program.

Источник: https://www.moneycrashers.com/best-new-bank-account-promotions-offers/

Bank of America Promotions

About CreditDonkey
CreditDonkey is a bank comparison website. We publish data-driven analysis to help you save money & make savvy decisions.

Editorial Note: Any opinions, analyses, reviews or recommendations expressed on this page are those of the author's alone, and have not been reviewed, approved or otherwise endorsed by any card issuer.

†Advertiser Disclosure: Many of the offers that appear on this site are from companies from which CreditDonkey receives compensation. This compensation may impact how and where products appear on this site (including, for example, the order in which they appear). CreditDonkey does not include all companies or all offers that may be available in the marketplace.

*See the card issuer's online application for details about terms and conditions. Reasonable efforts are made to maintain accurate information. However, all information is presented without warranty. When you click on the "Apply Now" button you can review the terms and first midwest bank plainfield il hours on the card issuer's website.

CreditDonkey does not know your individual circumstances and provides information for general educational purposes only. CreditDonkey is not a substitute for, and should not be used as, professional legal, credit or financial advice. You should consult your own professional advisors for such advice.

Источник: https://www.creditdonkey.com/

Comparing the best Bank of America credit cards

The information for the Air France KLM World Elite and Free Spirit Travel More cards has been collected independently by The Points Guy. The card details on this page have not been reviewed or provided by the card issuer.

Best Bank of America credit cards

Bank of America Customized Cash Rewards credit card

Annual fee: $0.

Sign-up bonus: $200 after you spend $1,000 on purchases in the first 90 days of account opening.

Earning rate: 3% cash back in the category of your choice each month (gas, online shopping, dining, travel, drug stores or home improvement and furnishings), 2% at grocery stores and wholesale clubs (on up to $2,500 in combined choice category/grocery store/wholesale club purchases each quarter, then 1%) and 1% on everything else.

Why you should apply: The Bank of America Customized Cash Rewards card is one of the only credit cards that allows you to essentially customize your rewards structure to fit your changing spending habits throughout the year — with the chance to change categories every month. This is especially valuable right now, as many people continue to shift their spending habits away from gas and travel to online shopping and takeout, thanks to the ongoing pandemic. This card will give you the freedom to change your rewards every month to maximize your spending, and then revert back to other spending categories once you are traveling and going to work again.

Related: Credit cards we’re using most during the pandemic

Bank of America Travel Rewards credit card

Annual fee: $0.

Sign-up bonus: 25,000 points after you spend $1,000 in purchases in the first 90 days of account opening — which can be redeemed for a $250 statement credit toward travel purchases.

Earning rate: 1.5x on all purchases.

Why you should apply: This card operates similarly to the Capital One Venture Rewards Credit Card. You’re earning flat-rate rewards across all spending, and then you can use those rewards as a statement credit to erase eligible travel purchases.

Although this certainly isn’t the most lucrative or flexible rewards card, it is perfect for low-budget beginner travelers who want a card with no annual fee and a simple way to earn and redeem points.

Bank of America Premium Rewards credit card

Annual fee: $95.

Sign-up bonus: 50,000 points (a $500 value) after you spend $3,000 in purchases in the first 90 days of account opening.

Earning rate: 2x on travel and dining, and 1.5x on all other purchases. 

Why you should apply: For such a low annual fee, this Bank of America card packs a punch. You’ll get $500 in value out of the sign-up bonus, and you’ll get perks such as an up-to-$100 annual airline incidental statement credit and an up-to-$100 credit that can be applied toward the Global Entry or TSA PreCheck enrollment fee every four years.

It also comes with travel insurance protections including trip delay/cancellation/interruption insurance, baggage delay/loss insurance, emergency evacuation and transportation insurance, and rental car insurance — perks that normally come with more premium cards.

The Premium Rewards card is a bit more flexible than Bank of America’s other branded credit cards because you can redeem your rewards for travel, cash back or even deposit into a linked Bank of America or Merrill account. Plus, the fact that you earn 1.5x on non-bonus spending means this is a good card for everyday purchases.

However, you can boost your return by as much as 75% through Bank of America’s Preferred Rewards program. To participate, you’ll need an eligible Bank of America checking account and an average daily balance of at least $20,000 in qualifying deposit or investment accounts. The largest bonus is available to customers with a balance of $100,000 or more — at that level, you’ll earn 3.5 points per dollar on dining and travel, and an impressive 2.62 points per dollar on non-bonus spending.

If you already have high-value accounts with Bank of America, then getting this card is a no-brainer. If not, establishing a new banking relationship — like The Points Guy, Brian Kelly, did — may be a profitable move.

Related: The 5 credit cards The Points Guy is using the most in 2020

Best Bank of America airline credit cards

Alaska Airlines Visa Signature credit card

Annual fee: $75.

Sign-up bonus: 40,000 bonus miles and Alaska’s Famous Companion Fare from $121 ($99 fare plus taxes and fees from $22) after you make $2,000 or more in purchases within the first 90 days of opening your account.

Earning rate: 3x on eligible Alaska Airlines purchases and 1x on other purchases.

Why you should apply: Alaska miles open up some exciting redemption options. TPG values Alaska miles at 1.8 cents each thanks to an incredible partner award chart, making the sign-up bonus worth $720. The card also comes with a companion fare, which will give your companion traveling on the same itinerary a free coach ticket on Alaska-operated flights from $121 ($99 fare plus taxes and fees from $22), among other perks like discounts on inflight purchases and lounge passes. Alaska miles are even more valuable now that Alaska has joined Oneworld and American Airlines and Alaska have launched reciprocal mileage earning.

Related: I flew Alaska on its first day in Oneworld: Here’s what it was like as an American Airlines elite

Air France KLM World Elite Mastercard

AIRPORT ORLY, PARIS, FRANCE - 2018/02/18: AirFrance Airbus 319 seen at Paris Orly airport. (Photo by Fabrizio Gandolfo/SOPA Images/LightRocket via Getty Images)

Annual fee: $89.

Sign-up bonus: For a limited time, you can earn 50,000 miles and a $100 statement credit after you spend $2,000 within the first 90 days of account opening.

Earning rate: 3x on Air France, KLM and purchases with SkyTeam member airlines, and 1.5x on everything else.

Why you should apply: Earning Flying Blue miles isn’t difficult with the multiple airlines which are part of the program (plus credit cards and other airlines as transfer partners), but this card can help you top off your account. If you fly with airlines that earn Flying Blue miles frequently, it’s worth taking a look at this card to help you boost your miles balance.

Related: The ultimate guide to earning and redeeming with Air France-KLM Flying Blue

Free Spirit Travel More World Elite Mastercard

A Spirit Airlines Inc. plane sits on the tarmac at Fort Lauderdale International Airport (FLL) in Fort Lauderdale, Florida, U.S., on Friday, June 2, 2017. Revenue generated from the U.S. accounts for nearly 90 percent of Spirit's revenue. Photographer: Saul Martinez/Bloomberg via Getty Images

Annual fee: $79, waived the first year.

Sign-up bonus: 40,000 bonus points plus a $100 Companion Flight Voucher after making at least $1,000 in purchases within the first 90 days of account opening.

Earning rate: 3x on eligible Spirit purchases, 2x on eligible dining and grocery store purchases, and 1x on all other purchases.

Why you should apply: Spirit is an ultra-low-cost carrier with a no-frills approach to flying. While it won’t be winning any TPG awards for the best premium flight experiences, budget travelers can take advantage of its low prices on both cash and award flights (redemptions start at only 2,500 miles with Spirit’s revamp of its loyalty program, Free Spirit). This card offers a solid way to rack up miles for this what is a chips aba number and an easy-to-hit welcome bonus.

Related: Hear us out: Why Spirit gives Delta a run for its money in our head-to-head comparison

Best Bank of America business credit cards

Bank of America Business Advantage Customized Cash Rewards Mastercard

Annual fee: $0.

Sign-up bonus: $300 statement credit after you spend $3,000 on purchases in the first 90 days of account opening.

Earning rate: 3% cash back in the business category of your choice and 2% on dining (on the first $50,000 in combined choice category/dining purchases each calendar year, then 1%), and 1% on all other purchases.

Why you should apply: Just like the personal version of this card, the Bank of America Business Advantage Customized Cash Rewards Mastercard allows you customize your rewards structure to fit your needs. The available 3% bonus categories include gas stations, office supply stores, travel, TV/telecom and wireless services, computer services and business consulting services. For those with business credit cards who need the flexibility to switch the 3% cash-back category each month, this is a one-of-a-kind option.

Bank of America Business Advantage Travel Rewards World Mastercard

Annual fee: $0.

Sign-up bonus: 30,000 points after you spend $3,000 on purchases in the first 90 days of account opening — which can be redeemed for a $300 statement credit toward travel or dining-related purchases.

Earning rate: 3x on travel booked through Bank of America Travel Center and 1.5x on all other purchases.

Why you should apply: For a no-annual-fee card, it has quite a lucrative earning potential — especially if you tend to book travel through a third-party platform such as Expedia. If you also qualify for the Bank of America Preferred Rewards program (more on that below), you could earn up to 25-75% more rewards, or an up to 3.75-5.25x rate on travel purchases. That earning rate beats the rates of plenty of top business credit cards on the market, and you don’t even have to pay an annual fee to take advantage of it.

How we chose the best Bank of America credit cards

After looking at Bank of America’s credit card lineup, we studied the cards’ pros and cons. We evaluated each card type and each card’s details. Bank of America cards can be broken down into three categories: Bank of America-branded cards, airline cards and business cards.

Bank of America’s branded cards are the issuer’s primary cards that can take advantage of the Preferred Rewards program. Airline cards are cobranded options for flyers loyal to certain airline programs. Business cards are similar to Bank of America’s consumer options but use a separate Preferred Rewards program.

When looking at each card within their respective categories, we evaluated the sign-up bonus, rewards, perks, redemption and annual fees before choosing which ones are worth looking at.

Bank of America application restrictions

Although not open checking account bonus bank of america as restrictive as Chase’s infamous 5/24 rule, Bank of America has its own system in place to limit the number of new accounts for which you can be approved, often referred to as the 2/3/4 rule. You can only be approved for:

  • Two cards in a rolling two-month period.
  • Three cards in a rolling 12-month period.
  • Four cards in a rolling 24-month period.

Note that this doesn’t apply to business cards issued by Bank of America, and also doesn’t count cards issued to you by another bank. If you max out all five of your slots with Chase, you shouldn’t have a problem turning around and applying for an offer like the 40,000 miles and Alaska’s Famous Companion Fare from $121 ($99 plus taxes and fees from $22) after you spend $2,000 on purchases in the first 90 days of account opening on the Alaska Airlines Visa Signature credit card.

However, there are reports of Bank of America adding restrictions to card application approvals that mirror Chase’s 5/24 rule. Although the exact threshold is unconfirmed, opening too many cards over the course of a year (across all issuers) could mean your Bank of America application is denied. Of course, you’re less likely to be denied if you have an existing customer relationship with the bank.

You should also know that you can’t be approved for a second version of the same card within 90 days of your first application, which means you can’t double-dip this elevated Alaska bonus to try and score a Cathay Pacific first-class award solely through sign-up bonuses.

Maximizing Bank of America Preferred Rewards

It’s no secret that Bank of America favors cardholders with whom it has banking relationships. This is less than ideal for anyone who keeps their money with other banks, but you can take advantage of a number of perks and benefits if you are a Bank of America customer who qualifies for the Preferred Rewards program. You can read all about the program here, but to qualify you’ll need:

  • An eligible Bank of America personal checking account.
  • A three-month average combined balance of $20,000 or more in a Bank of America account and/or Merrill investment accounts.

If you meet these requirements, your earning rates become significantly higher.

If you qualify for Platinum Honors, you’ll be earning 3.5x on dining and travel, plus 2.62x on all other purchases with the Bank of America Premium Rewards card. A 2.62% return makes that card one of the best options for non-bonus everyday spending.

If you aren’t currently banking with Bank of America, it might be worth moving some money over, like The Points Guy himself did when the Premium Rewards card launched. TPG’s Richard Kerr has also said for a long time that Bank of America Preferred Rewards is not a program to be ignored. Fixed-value cards get a little more appealing every time an airline devalues its award chart or restricts premium-cabin redemptions, and when you combine the above-average earning rates with the fact that you get “paid” $5 a year to keep the Premium Rewards card open, it begins to look very appealing.

The good news for those who currently have Preferred Rewards status is that you don’t have to worry about maintaining your balance right now. Bank of America recently sent out email updates to Preferred Rewards members stating that they’ve temporarily suspended their annual program review process. This means anyone with status right now should continue to receive the same level of benefits, even if you drop below the minimum balance requirement. They are still allowing people to qualify for tiers, though.

Bottom line

Uncovering the value of Bank of America’s credit cards takes a little more work than with other issuers. But between high-value cash back on everyday spending and one of the only cobranded credit cards worth consistently spending on, there’s too much here to simply ignore. At the very least, everyone should take a hard look at the Premium Rewards card and Alaska Airlines Visa Signature card. You might find open checking account bonus bank of america one of these cards has a worthwhile place jefferson financial credit union baton rouge your wallet.

For additional reading, check out our picks for the best credit cards.

Additional reporting by Stella Shon.

Featured photo by John Gribben/The Points Guy.

Updated on 11/3/21.

Источник: https://thepointsguy.com/credit-cards/bank-of-america/

Interest Checking Account

make everyday banking count.

Annual Percentage Yield

%Less than $15,000 minimum daily balance

A checking account that gives you more.

We reward you for banking with us, not the other way around. 

Deposit checks remotely.

With Ally eCheck Deposit℠ you can deposit checks right from your smartphone. Just snap a photo and you’re good to go. Plus, watch your money open checking account bonus bank of america fast with interest compounded daily. 

Move money easily.

Send and receive money with people you know using Zelle®, without monthly maintenance or service fees.

Save when you spend with Round Ups.

Access a special savings booster when you have a checking and Online Savings Account with us. We’ll track transactions we can round up to the nearest dollar, then transfer to your savings.

Features offered with every Ally Interest Checking account.

Open in the name of a Trust.

Offer flexibility and security for the ones you care about most. 

Your money, FDIC-insured.

Deposits are insured by the  FDIC up to the maximum allowed by law.

No monthly maintenance fees.

Don’t expect any sneaky monthly maintenance fees with us.

No minimum balance requirements. Ever.

Open your account with any amount. Plus, we don’t penalize you or charge fees based on your balance.

43,000+ no-fee Allpoint® ATMs.

Use any Allpoint® ATM in the U.S for free, and we reimburse up to $10 per statement cycle for fees charged at other ATMs nationwide.

Debit card controls.

Define how, when, and where your Ally Bank debit card is used.

Get more for your money.

Compare the cost of banking somewhere else.

What you should know.

Our Annual Percentage Yields (APYs) are accurate as of. Keep in mind, these rates are variable and may change after the account is open. Fees may reduce earnings. The APYs for other banks are provided by mybanktracker.com and are accurate as of. The APYs in this table are for the state of California.

Fees, a short story.

You shouldn't be nickel and dimed for using your own money.

There's a lot we don't charge for

.and we won't hide the fees we do have.

Bank better, starting now.

It only takes a few minutes to open an account.

1. Tell us about yourself.

We'll need some personal details like your address, contact information and social security number.

2. Fund your account.

There’s no minimum amount to open an account, but the faster you fund, the sooner you’ll earn interest.

3. Enjoy our award-winning experience.

Get online access right away and explore everything we offer as well as open checking account bonus bank of america ways we can help you reach your goals.

Build a better financial future.

Whether you’re just starting out or nearing retirement, we’ve got resources and tools to help you at any life stage.

Explore Life Stages

The reviews are in.

People like it here. We think you will, too.

Average Rating

FAQs

  • You can access your account, make payments or move your money from your computer or mobile device. You can also:

    • Use a debit card or checks for purchases and payments
    • Make payments using free online Bill Pay
    • Get cash back when you shop with your debit card
    • Get cash from an ATM (To find a nearby ATM, use the Ally ATM & Cash Locator)
    • Transfer money between your Ally accounts
    • Transfer money from your Ally accounts to accounts you have at other institutions
    • Submit a wire transfer request online
    • Call us to get a cashier's check
  • There are six ways to add money to your account:

    • Transfer money online between Ally Bank accounts and accounts you have at other institutions
    • Deposit a check with Ally eCheck Deposit℠
    • Use direct deposit to set up your paycheck or Social Security deposits. Download form
    • Wire transfer
    • Checks sent by U.S. mail (Please don't send cash)
  • Your debit card and initial check order will arrive in the mail within 10 business days after we receive your opening deposit.

    When re-ordering standard checks, after you submit the request your checks should arrive in 10 business days.

    Please call us at 1-877-247-2559 if you don't receive your debit card or checks within 10 business days.

  • Online transfers between Ally Bank accounts are immediate.

    Standard transfers between Ally Bank and non-Ally Bank accounts, requested before 1 am ET Monday – Friday, will take 3 business days.

    Keep in mind, transfers between banks aren’t processed on weekends and federal holidays, so transfers take longer at those times.

    Next-day Transfers

    Transfers eligible for next-day delivery between Ally Bank and non-Ally Bank accounts, requested before 7:30pm ET Monday – Friday, will take 1 business day.

    We determine eligibility for next-day transfers based on account tenure (so new accounts aren’t eligible), account activity, and transfer activity such as overdrafts and returns. To combat fraud, we are selective about when we offer next-day transfers.

    You will not be charged a fee for standard or next-day transfers.

    Learn more about transfers in our  Transfers Tutorial.

  • No. We don't accept cash deposits. However, there are several ways you can make a deposit into your account.

    • Remote check deposit with Ally eCheck Deposit℠
    • Online transfers and direct deposit
    • Wire transfers and mail
Источник: https://www.ally.com/bank/interest-checking-account/
open checking account bonus bank of america