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28 Best New Bank Account Promotions & Offers – December 2021


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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 December 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. 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


13. 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.



14. 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


15. 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:

  • Open a new Aspiration Spend & Save account with no monthly maintenance fee.
  • Make at least $1,000 in cumulative purchases with your debit card during the first 60 days.

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


16. 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.


17. 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


18. 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


19. 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


20. 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


21. 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


22. 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


23. 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


24. 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


25. 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


26. 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


27. 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


28. 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.

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