Bonus Ledger

Florida bank sign-up bonuses · rated

Get paid to open
a bank account.

Banks pay cash bonuses to new customers. Pick your state to see every offer you can actually get — rated by how much they pay against how many hoops they make you jump through.

21 offers available
$20,575 in max bonuses
4.40% top CD rate

Sign-up bonuses

Bank of America
Business Advantage
Nationwide
up to$750
Tiered $400–$750
Exceptional

High payout for the effort — no direct deposit needed.

  • $5,000–$15,000 in qualifying deposits within 30–90 days
Chase
Business Complete Checking
Nationwide
up to$750
Tiered $500–$750
Great deal

Pays well, but $10,000+ must sit in the account.

  • Deposit $10,000+ in new money and maintain it
  • Complete 25+ qualifying transactions
Citi
Savings
Nationwide
up to$2,000
Tiered by deposit size
Great deal

Pays well, but $25,000+ must sit in the account.

  • Large new-money deposit, held for the required period
  • No direct deposit needed
Capital One
360 Performance Savings
Nationwide
up to$1,500
Tiered by deposit: $20k–$100k+
Great deal

Pays well, but $20,000+ must sit in the account.

  • Deposit $20,000–$100,000+ in new money and hold it
  • Bonus scales with deposit size
Four Leaf FCU
Checking
Nationwide
$550
Great deal

High payout for the effort — only $500 in direct deposits.

  • $500+ direct deposit
  • Credit union — anyone can join with a small membership step
Citi
Regular Checking
Nationwide
up to$475
Tiered $325–$475 by direct deposit level
Great deal

Pays well, but needs $1,500 in direct deposits.

  • $1,500+ in enhanced direct deposits, sustained over two 90-day periods
  • No minimum opening deposit
Bank of America
Advantage Banking
Nationwide
up to$500
Tiered $100–$500 by direct deposit level
Great deal

Pays well, but needs $2,000 in direct deposits.

  • $2,000–$10,000 in qualifying direct deposits within 90 days
  • Higher deposits unlock higher tiers
HSBC
Premier Checking
Nationwide
up to$7,000
Tiered $1,500–$7,000 by deposit size
Great deal

Pays well, but $100,000+ must sit in the account.

  • $100,000–$250,000+ in new deposits, held for the required period
  • Built for high-balance customers
Chime
Checking (promo portal)
Nationwide
$425
Great deal

High payout for the effort — only $200 in direct deposits.

  • Bonus requires enrolling via a promotional portal — not shown on chime.com
  • $200+ qualifying direct deposit
  • No monthly fees
Chase
Total Checking
Nationwide (not AK/HI) Ends Oct 14
$400
Great deal

High payout for the effort — only $1,000 in direct deposits.

  • Direct deposits totaling $1,000+ within 90 days
  • $0 minimum opening deposit
  • Keep account open 6 months to avoid clawback
KeyBank
Key Select Checking
16 states only
$500
Solid

Pays well, but needs $5,000 in direct deposits.

  • Open with code KDMB0526, $50 minimum deposit
  • $5,000+ in eligible direct deposits
  • A $300 version exists for Key Smart Checking with $2,000 DD
BMO
Smart Advantage / Relationship Checking
Nationwide Ends Sep 8
$400
Solid

Pays well, but needs $4,000 in direct deposits.

  • $4,000+ in direct deposits within first 90 days
  • Open by September 8, 2026
Chase
Private Client Checking
Nationwide Expires in 3 days
up to$3,000
Tiered: $1,000 / $2,000 / $3,000 by deposit size
Solid

Pays well, but $150,000+ must sit in the account.

  • $150k+ new money for $1,000; $250k+ for $2,000; top tier for $3,000
  • Deposit within 45 days, maintain balance 90 days
  • Requires meeting a Chase banker in a branch
SoFi
Checking & Savings
Nationwide Ends Dec 31
up to$400
Tiered: $50 with $1k, $400 with $5k in direct deposits
Solid

Pays well, but needs $5,000 in direct deposits.

  • $5,000+ in direct deposits within 25 days for the full $400
  • Payroll or government deposits only — transfers don't count
  • No monthly fee; adds up to 3.80% APY on savings
PNC
Virtual Wallet
Nationwide Ends Aug 31
up to$400
Tiered: $100 with $500 DD, $400 with Performance Select + $5k DD
Solid

Pays well, but needs $5,000 in direct deposits.

  • $5,000+ in qualifying direct deposits within 60 days for $400
  • $500+ direct deposit earns the $100 tier
  • Open by August 31, 2026
Capital One
360 Checking
Nationwide
$250
Solid

Straightforward: only $1,000 in direct deposits.

  • Use promo code CHECKING250 when opening
  • Two direct deposits of $500+ each within 75 days
  • No monthly fee, no minimums
Navy Federal CU
Free Active Duty / Everyday Checking
Nationwide
$250
Solid

Straightforward: only $500 in direct deposits.

  • $500+ monthly ACH or payroll deposits for 3–4 months
  • Membership limited to military, veterans, and family
Wells Fargo
Everyday Checking
Nationwide Expires in 2 days
$325
Solid

Pays well, but deadline is days away.

  • $1,000+ in qualifying electronic deposits within 90 days
  • $25 minimum opening deposit
  • Open with the offer code from the promo page
American Express
Rewards Checking
Nationwide
$300
Decent

Pays well, but needs $7,500 in direct deposits.

  • $7,500+ in direct deposits within the qualification window
  • No monthly fee; earns interest
Barclays
Tiered Savings
Nationwide
$200
High effort

Pays well, but $25,000+ must sit in the account.

  • Deposit $25,000+ within 30 days of opening
  • Earns 3.50% APY on balances under $250k while you wait
  • No monthly fee, no minimum to open
TD Bank
Signature / Simple Savings
16 states only Expires in 3 days
$200
High effort

Pays well, but $10,000+ must sit in the account.

  • Deposit $10,000+ within 20 days
  • Maintain the balance for 90 more days
  • Not for existing/previous TD savings customers

How the rating works

Every offer starts from its cash value, then loses points for effort: big direct-deposit requirements, large upfront deposits you must park, monthly fees, and deadlines that are about to hit. Offers that skip direct deposit entirely earn a small boost. Five filled segments means high pay for low effort; one segment means you'll work for it.