12 offers · updated October 2026
Looking for the biggest payouts? These 12 offers each pay $500 or more, with the largest currently worth $3,000. The largest bonuses typically require substantial deposits or transfers held for several months — sometimes a year for brokerage offers — so plan for the capital commitment. Every listing shows the deposit, hold period, and annualized return. Featured banks include HSBC, Chase, Citibank, Capital One, and others.
A new-to-HSBC customer must open an HSBC Premier checking account by December 31, 2026, bring in at least $50,000 of new money in deposits and/or eligible investments within 30 calendar days of opening, maintain that qualifying balance for 3 full consecutive calendar months after the opening month, and stay opted in to HSBC marketing emails. The cash bonus is tiered by balance (up to $3,000) and is paid into the account within 8 weeks once fully qualified, with the account required to be open and in good standing at fulfillment; the $50 monthly maintenance fee still applies unless separate Pre
Request an offer code by email, then meet with a Private Client Banker to open or upgrade to a Chase Private Client Checking account. Within 45 days of enrollment transfer at least $150,000 of qualifying new money or securities into eligible accounts and keep it there for at least 90 days from enrollment; the bonus ($1,000, $2,000 or $3,000 depending on the amount transferred) is deposited within 40 days, and the enrolled account must be open and unrestricted at payout.
A new Citibank checking customer must open a Regular Checking account between 4/14/26 and 10/26/26 directly from this page and enroll in the offer the same day, then deposit New-to-Citibank funds within 45 calendar days; the balance on day 45 ($30,000 for $500, $200,000 for $1,500) sets the bonus. That balance must be maintained for another 45 days (balances may be held in the checking account or a new Citi Savings account), and the bonus is paid between the 90th and 120th calendar day after account opening if the account stays open and in good standing.
Open a new Capital One 360 Performance Savings account on or after April 15, 2026 using promo code EARN1500, deposit at least $5,000 of new money from an outside bank within the first 15 days, and keep that balance for the following 90 days. The bonus ranges from $75 to $1,500 depending on the deposit tier maintained, and is paid into the account within 60 days; customers who had certain Capital One savings accounts on or after Jan. 1, 2024 are ineligible.
Open a new U.S. Bank Business Essentials or Platinum Business Checking account between 9/28/2026 and 1/13/2027 using promo code Q4DIG26, deposit new money from outside U.S. Bank ($5,000 for Business Essentials or $25,000 for Platinum) within 30 days, keep that daily balance through the 60th day, and complete six qualifying transactions within 60 days. The bonus ($400 or $1,200, one per business) is deposited within 30 days after the month-end in which requirements are met, provided the account stays open, positive, and the same product type.
Open a new J.P. Morgan Self-Directed Investing account through this page by 10/21/2026 and fund it with at least $5,000 of qualifying new money from outside JPMorganChase within 45 days of enrollment; the bonus tier is set on day 45 based on the amount added. Keep that new money in the account for 90 days from enrollment and the cash bonus is deposited within 15 days, limited to one bonus per customer per 12-month period.
Open a new eligible Wells Fargo business checking account (online from this offer page, or in a branch using an emailed bonus offer code) by November 10, 2026, then deposit at least $2,500 by day 30 — the day-30 balance sets the tier ($2,500-$9,999 = $400, $10,000-$24,999 = $550, $25,000+ = up to $825) — and keep that balance through day 60. You must also complete at least 5 qualifying posted transactions within the 60-day qualification period, after which the bonus is deposited within 30 calendar days.
Open a new Chase Premier Plus Checking account (online with the offer code applied, or in a branch with an emailed offer code), deposit at least $15,000 in new money not already held at Chase within 30 days of offer enrollment, and keep a balance of at least $15,000 for 90 days from enrollment. The $650 bonus is deposited into the account within 15 days of meeting the requirements, and the offer is not available to existing Chase checking customers.
A customer with no Bank of America personal checking account in the past 12 months must enroll through this offer page and open an eligible Advantage Plus, SafeBalance, or Relationship checking account by January 31, 2027, then set up and receive Qualifying Direct Deposits (regular monthly income such as salary, pension, or Social Security) within 90 days of opening. The total direct deposits received in that 90-day window determine the bonus ($100 at $2,000, $300 at $5,000, $500 at $10,000+), paid within 60 days after the deposit period if the account is open and in good standing.
A new TD customer must open a qualifying checking account and receive the stated qualifying direct deposits (payroll, pension, or government benefits of at least $250 each) within 60 days — $2,500 for TD Beyond Checking ($300) or $500 for TD Complete Checking ($200). Adding a new TD Signature Savings account with at least $10,000 deposited in the first 20 days and maintained for 90 more days earns another $200, for up to $500; bonuses are paid within 180 days of account opening and TD may take the bonus back if the account closes within 6 months.
To earn the $500, a new Truist personal checking customer in one of the listed states must open a Truist One Checking or Truist Marquee Checking account between 7/14/26 and 2/2/27 and enroll with a valid promo code at account opening. Within 120 days of opening they must receive at least two qualifying ACH direct deposits totaling $2,000 or more and make at least 20 qualifying Truist debit card purchases, with the account open, unrestricted, and holding at least $0.01 when the reward is paid within 10 business days.
Open a new Chase Business Complete Checking account online or at a branch using the emailed offer code, then deposit new money (not already at Chase) within 30 days of offer enrollment — $2,000 for a $400 bonus or $10,000 for a $500 bonus — and keep that balance for 60 days. You must also complete 5 qualifying transactions (such as debit card purchases, ACH credits, wires, or Bill Pay) within 90 days of enrollment; the bonus is deposited within 15 days of meeting all requirements.
These are usually larger checking offers with a high direct-deposit threshold, or brokerage offers tied to sizable transfers. The current list of qualifying banks is shown above.
Often, but not always. Some $500 checking offers only require qualifying direct deposits rather than your own locked-up capital. Check each offer's requirement.
The hard part isn't finding a bonus — it's meeting every requirement before the deadline. BonusBoard tracks all of it for you, so you actually collect the cash.
Some links on this page are affiliate links — BonusBoard may earn a commission if you open an account, at no cost to you. This never affects how offers are ranked. Bonus terms are set by the bank and may change; always confirm details on the bank's official page before applying.