Bank of America
Business Advantage
Nationwide
up to$750
Tiered $400–$750
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
Pays well, but $10,000+ must sit in the account.
- Deposit $10,000+ in new money and maintain it
- Complete 25+ qualifying transactions
up to$2,000
Tiered by deposit size
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+
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
U.S. Bank
Business Checking
Nationwide (not NY/FL)
Ends Sep 27
up to$1,200
Tiered: $400 (Essentials) / $1,200 (Platinum)
Pays well, but $25,000+ must sit in the account.
- Open with promo code Q3DIG26, $25 minimum deposit
- $5,000 ($400 tier) or $25,000 ($1,200 tier) in new money within 30 days, held 60 days
- 6 qualifying transactions within 60 days
High payout for the effort — only $500 in direct deposits.
- $500+ direct deposit
- Credit union — anyone can join with a small membership step
up to$475
Tiered $325–$475 by direct deposit level
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
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
up to$7,000
Tiered $1,500–$7,000 by deposit size
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
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
Nationwide (not AK/HI)
Ends Oct 14
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
BMO
Smart Advantage / Relationship Checking
Nationwide
Ends Sep 8
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
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
up to$400
Tiered: $50 with $1k, $400 with $5k in direct deposits
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
up to$400
Tiered: $100 with $500 DD, $400 with Performance Select + $5k DD
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
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
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
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
Pays well, but needs $7,500 in direct deposits.
- $7,500+ in direct deposits within the qualification window
- No monthly fee; earns interest
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
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.