Banks are offering attractive sign-up bonuses and promotions in 2025, making it a great time to open a new checking or savings account. Many financial institutions provide cash incentives to new customers who meet certain requirements, such as maintaining a minimum balance or setting up direct deposits. Whether you’re looking for a new primary bank or simply want to take advantage of a lucrative promotion, here are some of the best banking offers available this year.
Top Checking Account Bonuses
Chase Private Client Checking:
- Offer Details: New customers can earn up to $3,000 when they open a Chase Private Client Checking℠ account.
- Requirements: The funds must be deposited within 45 days of account opening and maintained for at least 90 days.
- Expiration: Check Chase’s website for the latest details.
Chase Total Checking:
- Offer Details: Earn a $300 bonus by opening a new Chase Total Checking® account.
- Requirements: Set up direct deposit within 90 days of account opening.
- Expiration: Visit Chase’s website for the most up-to-date terms.
TD Bank Beyond Checking:
- Offer Details: New customers can receive a $300 bonus by opening a TD Beyond Checking account.
- Requirements: Receive direct deposits totaling $2,500 or more within 60 days of account opening.
- Expiration: Confirm the latest details with TD Bank.
SoFi Checking and Savings:
- Offer Details: Open a SoFi Checking and Savings account and earn up to $300.
- Requirements: The bonus amount varies based on the total of direct deposits received within a specified timeframe.
- Expiration: Check SoFi’s website for current promotion details.
Top Savings Account Bonuses
Discover® Online Savings Account:
- Offer Details: Open a Discover Online Savings Account and earn a $200 bonus.
- Requirements: Deposit a specified amount within a given timeframe after account opening.
- Expiration: Visit Discover’s website for more details.
TD Bank Savings:
- Offer Details: New customers can earn a bonus by opening a TD Bank savings account.
- Requirements: Meet the minimum deposit and balance maintenance requirements.
- Expiration: Check TD Bank’s website for the latest promotions.
Considerations Before Switching Banks
While sign-up bonuses can be a great incentive, it’s essential to evaluate a few factors before opening a new account:
- Eligibility Requirements – Many bonuses require minimum deposits, direct deposits, or maintaining a balance for a set period. Ensure you meet these criteria to qualify for the offer.
- Fees and Maintenance Costs – Some accounts have monthly fees that may offset the bonus. Look for ways to waive these fees, such as maintaining a certain balance or setting up direct deposits.
- Long-Term Benefits – Consider the overall value of the account, including interest rates, ATM access, mobile banking features, and customer service quality.
Maximizing Banking Rewards with the Best Offers of 2025
Banks are offering competitive promotions in 2025, providing customers with an opportunity to earn extra cash simply by opening an account and meeting certain conditions. Whether you’re looking for a checking or savings account, these sign-up bonuses can be a great way to start banking with a new institution. However, always review the terms and conditions carefully to ensure the account aligns with your financial needs and goals.