Best Bank Account Bonuses
Current checking and savings account opening bonuses.
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How bank bonuses work
A bank pays a cash bonus for opening an account and meeting a requirement — usually receiving a set amount in direct deposits, or maintaining a balance, within a qualifying window. The bonus is paid weeks or months after you qualify.
What to check before opening
- Whether the account has a monthly fee once the promotional period ends.
- Whether your employer's payroll counts as a qualifying direct deposit.
- Whether you have held an account with that bank recently — most offers exclude recent customers.
- That the offer is available in your state; availability varies widely.
Tax treatment
Bank account bonuses are taxable interest income. The bank issues a 1099-INT or 1099-MISC for the amount, so budget for the tax on anything sizeable.