Put Some Extra Money in Your Pocket with These Bank Accounts
In the past, many banks offered small appliances such as toasters to attract new customers. Today, those toasters have been replaced by cash bonuses and big screen TVs. This is a customer-focused approach from banks in a competitive race to get new customers without the hassle or risk of expensive advertising campaigns.
As a consumer, this benefit can be tremendous, with some banks offering as much as $600 for opening a new account, which can be done online from the comfort of your home. Here are a few examples of banks offering you a bonus to open an account online today.
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The Chase Total Checking Account – $200 bonus
Open a Chase Total Checking® account online or in person using a coupon emailed to you through the promotional page. Fund it with at least $25. You must have a direct deposit into the account within 60 days. Chase will deposit the $200 within 10 days of the first direct deposit.
Up To $600 from Chase On Other Accounts
Chase has another offer for a different type of account, or rather, two different types of accounts. If you open a Chase Total Checking account, get one direct deposit into the account in the first 60 days, you can get a $300 cash bonus.
Likewise, if you open a Chase Savings account as well, deposit at least $15,000 within 20 business days and then keep your balance at $15,000 or greater for 90 days, you can get another $200 bonus.
If you complete the requirements for both of those bonuses, Chase throws in an additional $100 bonus, bringing the total to $600 you could receive. (2)
Finn by Chase℠ – $100 bonus
Open a new account on Finn — this involves opening both a checking and a savings account — and deposit at least $25 into the checking account. Then complete at least 10 qualifying transactions within 60 days of account opening. These can be direct deposits, bill payments or debit card purchases, among others. The account must remain open for six months, or Chase will deduct the bonus at closing. You must not have had a Chase checking account within the last 90 days, had one closed with a negative balance, or have a fiduciary account. The bonus will be deposited into your account no more than 10 business days after the transactions post to your account.
Bank of America – $100
This is a fairly simple bonus to get; once you open a Core Checking or Interest Checking account and get two or more direct deposits of at least $250 dollars in the first three months, you’ll get a $100 cash bonus. It takes $25 to open a Core Checking account, while $100 will open an Interest Checking account. (3)
TD Bank – $150 to $300
You can apply for two different types of accounts with TD Bank online and qualify for cash bonus offers.
The Premier account has a $25 monthly maintenance fee unless you maintain a balance of at least $2,500, but if you have direct deposits of at least $2,500 in the first two months, you can get a $300 bonus.
Another choice is the TD Bank Premier Checking account. For this account, you’ll have a $15 maintenance fee if your daily balance drops below $100, and you must have direct deposits of at least $500 in the first two months.
The requirements are less, and so is the bonus; this account offers a $150 signup bonus. (4)
Unity Financial Credit Union – $100
Some people may not have heard of Unity, but they offer a nice bonus for those that open a free checking or e-checking account. If you have a recurring direct deposit of at least $500 added to your account within the first three months, you’ll get an extra $100 deposited into your account at the end of the third month.
You do have to be a member of the Unity Financial Credit Union to qualify, but residents from all 50 states are eligible to join. (5)
While Cash sign-up bonuses are offered by some banks in return for opening accounts, the specific offers vary and can change often. Be sure you’re choosing a new bank with the best benefit to you to open a new account.