There are many ways for banks to make money, but one of their main goals is to always have a lot of cash on hand so they can give it to other people or meet their legal liquidity requirements. Because of this, they give you great bank cash offers!
We need to be able to easily get huge amounts of cash, so banks need to offer us reasons to choose their FDIC-insured bank over another.
When banks compete with each other, they mostly look at how many locations they have across the country, how well they can serve local customers individually, and how much basic services like cash and savings cost. But they also offer cash rewards for using their deposit and checking services! As the economy gets better and interest rates go up, it looks like these are getting easier to find.
Use Chase Private Client Checking to get up to $3,000
Chase Private Client Checking is their best service for customers. You can have a banking relationship that really reflects you with a team that is dedicated to you, no ATM fees around the world, no Chase fees on incoming or outgoing wire transfers, and more.
One more way to improve your relationship with Chase is to have access to a J.P. Morgan Private Client Advisor who can help you make a personalised investment plan.
You can also get a bonus of up to $3,000 just for starting an account and doing certain things.
When you deposit $150,000, you can get $1,000; when you deposit $250,000, you can get $2,000; and when you deposit $500,000 or more, you can get $3,000 altogether.
Within 45 days of enrolling in the coupon, you must move qualifying new funds or securities to a mix of eligible checking, savings, and/or J.P. Morgan Wealth Management non-retirement accounts. These accounts cannot be Chase Personal and Business CDS, Chase business checking and savings accounts, any J.P. Morgan Self-Directed Investing & Automated Investing, J.P. Morgan Personal Advisors Accounts, or J.P. Morgan Wealth Management retirement accounts. Today, on day 45, we will decide on your bonus. You can enjoy your bonus and keep the extra money for ninety days after you sign up for the ticket.
$500 or more with Raisin
This is a unique banking product called Raisin that helps you get the best interest rates on CDS and savings accounts.
Raisin directly negotiates better interest rates for savings products through financial institutions that are connected with it. Because of this, the rates you see on Raisin are usually higher than what you would find if you went to the partner bank’s website directly. A lot of the time, Raisin works with mid-sized banks and other financial companies.
It’s possible to make up to 4.30% APY, but there are now minimum balance requirements.
Bonus: If a new customer makes a qualified deposit with the code BOOST within 14 days of their first deposit, they can get up to $500. You need to use the code BOOST when you sign up, and you have to wait at least ninety days to withdraw your deposit.
This bonus is based on your level. You can get $75 for savings of $10,000, $250 for deposits of $25,000, and $500 for deposits of $50,000.
Up to $400 can be sent using the PNC Virtual Wallet.
You can use the PNC Virtual Wallet to Spend (write checks), Reserve (earn interest on checks), and Grow (save money). You can think of it as a checking account that earns interest.
The basic Virtual Wallet checking account costs $7 a month. To avoid this, you must keep a $500 balance, make $500 in eligible direct payments every month, or be at least 62 years old.
If you have $2,000 or more in your Virtual Wallet with Performance Spend, you will get interest. You can escape the $15 monthly fee in other ways, such as having $10,000 in total PNC consumer deposits, $2,000 in eligible direct deposits, or a balance of $2,000.
If you have $2,000 or more in your Virtual Wallet with Performance Select, you will also get interest. The $25 monthly fee is waived if you have $5,000 in qualifying direct deposits, a $5,000 balance (in up to seven linked checking accounts), or $25,000 in balances, PNC consumer savings, and/or investments. This account also has higher friendship rates.
In addition, they now have a program where you can win up to $400 by meeting certain conditions. It’s a deal until June 30, 2025. FDIC member.
Get a new PNC Virtual Wallet and use it to earn $100. Then, make at least $500 in straight transfers to the new Virtual Wallet in the first 60 days.
It’s possible to earn $200 in the first 60 days by putting a total of $2,000 into your new Virtual Wallet with Performance Spend.
There is a $400 reward for making straight transfers to the new Virtual Wallet with Performance Select worth $5,000 or more in the first 60 days.
$300 saved in savings at Live Oak Bank
Live Oak Bank, which is backed by the FDIC, wants to be the best bank for small businesses in the country. They have a great personal savings account. They are made to make it easy and quick to open an account, and you can do it online in just a few minutes!
The high return savings account has an APY of 4.10 percent. You can start saving right away since you don’t have to have a certain amount.
Start a new Live Oak Bank Personal Savings account before May 16, 2025, put at least $20,000 in it, and keep that money there for 60 days. Right now, you can get $300 in bonus money.
Gold Savings of $300 at CIT Bank
The CIT Bank Platinum Savings account is one of our best and often has one of the best interest rates for users. It only takes a few minutes to sign up and get started on their site, which is another plus.
There are two levels of CIT Platinum Savings accounts. At the moment, a purchase of at least $5,000 can earn you up to 4.10 per cent annual percentage yield (APY). You will get 0.25% APY if you don’t. For more information, go to the page.
Bonus: You can get a bonus of up to $300 after doing certain things and starting a new CIT Platinum Savings account.
For clients and future clients alike:
To get a $225 bonus, move a deposit of $25,000 to $49,000.99.
• Deposit at least $50,000 to get an extra $300.
Within 30 days, money must be added to the account. The money can be put in all at once or over time. For the deal to work, you must use the offer code PS2025 when you open an account.
$300 with Key Smart Checking
Key Bank gives out the Key Smart Checking® Account. This free checking account doesn’t earn interest, but it does have a linked KeyBank savings account, paper checks, automatic overdraft protection, and no minimum amount requirements!
They can use more than 40,000 ATMS that don’t charge fees and are very mobile-friendly.
They also have a great bonus offer right now! You can open a Key Smart Checking® account online by May 16, 2025, and meet the standards to get a $300 cash bonus.
To be qualified, you must do the following:
• Open an online Key Smart Checking® account by May 16, 2025.
• Make at least one direct deposit of at least $1,000 within 60 days of opening an account. The minimum payment is $10.
Your $300 cash bonus will be added to your account within 60 days of meeting the conditions. You can’t close an account while a gift is being paid for.
$200 with Verified Upgrade Reward
You can get a $200 bonus from Upgrade Rewards Checking if you open a Rewards Checking account with a personal loan and use your debit card to make three payments within the first 60 days.
For free checking, the Upgrade Rewards Checking account is one of our top picks. It doesn’t require a minimum amount, doesn’t charge monthly fees for upkeep, doesn’t charge ATM fees, and more!
At the moment, you can get a $200 bonus if you combine an Upgrade personal loan with a Rewards Checking account and use your debit card for three purchases that qualify.
Just get an Upgrade Personal Loan and an Upgrade Rewards Checking Account. You need to add money to your account and use your debit card three times in the first 60 days. You will get a $200 bonus credit to your account within 60 days of meeting the above conditions.
$100 by using Chase Safe Banking
Choose Chase Secure Banking if you want a simple checking account that doesn’t check your credit or bank score. There is a monthly fee, but it might be worth it if you need a secure way to bank.
It costs $4.95 a month to use Chase Secure Banking™.
Bonus: Right now, you can get a bonus of up to $100 just for opening an account and meeting the conditions. That is wonderful!
$100 with a Chase College Checking account
The Chase College Checking account is one of the best checking accounts for college students. Students between the ages of 17 and 24 don’t have to worry about maintenance fees. When starting an account, students between the ages of 17 and 24 who are in college or a vocational, technical, or trade school pay no monthly service fee for the first five years. After that, the monthly service fee goes up to $12.
You can also get $100 as a new Chase checking customer if you open a Chase College Checking account and make 10 purchases that qualify within 60 days of joining the program. That is wonderful!
Get a $100 check from Chase High School.
With Chase High School Checking, teens can open a checking account at a full-service bank. There is no fee to open a savings account at Chase for teens who already have an account. However, the account must be started in a branch. Parents of teens younger than 19 can use the account to keep an eye on their child’s spending and set up alerts for transactions.
When your child turns 19, the account moves to a Chase Total Checking account. By that time, teens should have learned good money habits.
When the account is started, a parent or co-owner of the account must be there. This account doesn’t cost anything every month.
Right now, if you open a new Chase High School Checking account and do certain things within 60 days of enrolling, your child will get $100.
Navy Federal Credit Union is giving away $100.
At Navy Federal Credit Union, you can get CDS, which are also called share certificates. They have both standard term CDS and some great advertising CDS.
At the moment, you can earn up to 4.05% APY on a 12-month CD choice with a minimum investment of $100,000. You will get 4.00% APY if you don’t.
Their CD makes it easy to transfer money, has no monthly fees, no limit on deposits, and only requires a $1,000 deposit!
Offer: Between May 1 and May 31, 2025, if you join Navy Federal and start a Share Certificate, you’ll get a $100 bonus.
Finally, some words
In conclusion, there are now some great bank reward deals out there. You should find out how much of an extra hustler you are. Do you want to switch to a new account for good or just do this once? Or do you need a complicated plan to keep track of all your bonus accounts?
