Many banks often offer checking accounts with sign-up bonuses to attract new customers. In return for setting up direct deposit or keeping a minimum balance, you can receive $100, $400 even $3,000.
We compared dozens of banks, credit unions and fintech companies to find the best checking accounts with sign-up bonuses. For more information on how we made our selections, see our methodology.
Offers in this section are from affiliate partners and selected based on a combination of engagement, product relevance, compensation, and consistent availability.
Sign-up bonus of $50 or $400
No account, service or maintenance fees for SoFi Checking and Savings.
*Click here for important disclaimers and disclosures.
SoFi Bank, N.A. is a Member FDIC.
Earn $250 with code CHECKING250 and complete the required steps. Terms apply.
No account, service or maintenance fees.
*Click here for important disclaimers and disclosures.
Capital One Bank is a Member FDIC.
Best checking account bonuses
- SoFi: $50 or $400 bonus
- BMO: $400 bonus*
- Capital One: $250 bonus
- PNC Bank: $100 or $400 bonus
- Citibank: $325
- Chase Bank: $100, $300, $400, $500 or $1,000 to $3,000 bonus
- M&T Bank: $100, $150 or $200 bonus
- Bank of America: $100, $300 or $500 bonus
- Wells Fargo Bank: $325 bonus
- TD Bank: $200 or $300 bonus
SoFi
- Impressive welcome bonus
- Strong APY with direct deposit
- No minimum balance or deposit needed
- No monthly fees
- Comes with checking account and ATM access
- Receive your paycheck in your account up to 2 days early automatically when you set up direct deposit
- Save change automatically with Roundups and set savings goals with Vaults
- No foreign transaction fees
- FDIC insurance up to $3 million additional through the SoFi Insured Deposit Program*
- Non-direct deposit APYs are low compared to other high-yield savings accounts
- No reimbursement for out-of-network ATM fees
- No physical branches
Bonus: $50 or $400
Expiration: Dec. 31, 2026
How to earn the bonus: Open a SoFi Checking and Savings account and set up direct deposit. Earn $50 when you direct deposit a total of $1,000 to $4,999.99 and earn $400 when you direct deposit at least $5,000, both within the first 31 days of the direct deposit bonus period. Wait for direct deposit to hit the account (typically 2-4 weeks). Collect a cash bonus of $50 or $400, depending on the direct deposit amount.
BMO
BMO Smart Advantage Checking account
Monthly maintenance fee
$0
Minimum deposit to open
$25
Minimum balance
None
Free ATM network
40,000+ BMO and Allpoint® ATMs nationwide
ATM fee reimbursement
None
Overdraft fee
$20
Mobile check deposit
Yes
Terms apply.
Pros
- Low minimum opening deposit
- No monthly maintenance fee
- No minimum balance requirements
- Free access to 40,000+ ATMs
Cons
- $20 overdraft fee
- $3 out-of-network ATM fee
- Foreign transaction fees apply
- No reimbursement for out-of-network ATM fees
Bonus:
- $400 cash bonus*
- Also available with BMO Smart Money Checking account and BMO Relationship Checking
- Only available for new personal checking accounts
Expiration: September 8, 2026
How to earn the bonus:
- Open an account online between May 4, 2026, and September 8, 2026, using the "Learn More" button on this page.
- Have a cumulative total of $4,000 in qualifying direct deposits post to your account within 90 days of account opening.
- If you received a direct mailer regarding this offer, please use the promo code found in the mailer.
*Conditions apply and other offers may be available. Accounts are subject to approval and are provided in the United States by BMO Bank N.A. Member FDIC.
Capital One
- Top-rated mobile app
- No minimum deposit to open an account
- 0.10% APY on all account balances
- No foreign transaction fees
- No overdraft fees
- Free savings transfer for overdrafts after opt-in
- No reimbursement for out-of-network ATM fees
Bonus: $250
Expiration: N/A
How to earn the bonus: Open a Capital One 360 Checking account using promotional code "CHECKING250" and receive at least two qualifying direct deposits of $500 or more each within 75 days of account opening.
PNC Bank
Virtual Wallet® from PNC Bank
Annual Percentage Yield (APY)
Up to 4.00% APY on select Virtual Wallet Growth accounts with relationship rates
Minimum balance
Varies depending on Virtual Wallet account
Monthly fee
Ranges from $7 to $25 depending on Virtual Wallet account, with options to waive
Maximum transactions
Up to 6 free withdrawals or transfers per statement cycle
Excessive transactions fee
None
Overdraft fee
Overdraft protection offered by your Reserve and Growth accounts
Offer checking account?
Yes
Offer ATM card?
Yes, if have a PNC Bank checking account
Terms apply.
Pros
- New account holders can earn a welcome bonus of up to $400
- Virtual Wallet includes individual checking and savings accounts that work together
- Earn cash or points through PNC Purchase Payback® program
- Reimbursable non-network ATM fees
- Account holders can choose the Virtual Wallet best for them
- Options to waive monthly maintenance fee
- Higher APY relationship rates are available
Cons
- Has monthly maintenance fees
- Have to call PNC Bank to find out APY offered in your area
Bonus: $100, $200 or $400
Expiration: Aug. 31, 2026
How to earn the bonus: There are several ways to earn a bonus from PNC Bank:
- Earn $100 when you open and direct deposit a minimum of $500 into a new PNC Virtual Wallet® within the first 60 days.
- Earn $200 when you open and direct deposit a minimum of $2,000 into a new Virtual Wallet with Performance Spend within the first 60 days.
- Earn $400 when you open and direct deposit a minimum of $5,000 into a new Virtual Wallet with Performance Select within the first 60 days.
Citibank
Citi® Checking Accounts
Monthly maintenance fee
There are two types of Citi checking accounts, Access Checking (no checks) and Regular Checking (unlimited check writing). Access Checking has a $5 monthly service fee, with options to waive; Regular Checking has a $15 monthly service fee, with options to waive as well.
Minimum deposit to open
There is no minimum deposit to open a checking account with Citi.
Minimum balance
No minimum balance requirements but, accounts with a zero balance for 90 calendar days are subject to closure.
Annual Percentage Yield (APY)
None
Free ATM network
Access to more than 2,300 Citibank ATMs and over 60,000 other surcharge-free ATMs in the U.S.
ATM fee reimbursement
None
Overdraft fee
$0
Mobile check deposit
Yes
*Terms Apply.
You may be eligible for a cash bonus when you complete required activities - click here for details.
Pros
- No overdraft fees
- Top-rated mobile app
- No minimum deposit to open an account
- Send and receive money with Zelle®
Cons
- No APY
- No reimbursement for out-of-network ATM fees
Bonus: $325
Expiration: Oct. 26, 2026
How to earn the bonus: Available online only by applying directly from this special offer page. Open a new eligible Citi® Checking account with at least two qualifying enhanced direct deposits within 90 days from account opening: Earn $325 when you make $3,000 in qualifying enhanced direct deposits or earn $450 when you make $6,000 in qualifying enhanced direct deposits.
Chase Bank
Chase Private Client Checking℠
Annual Percentage Yield (APY)
0.01% APY (effective as of 06/20/2025)
Minimum balance
Customers who work with a J.P. Morgan Private Client Advisor generally intend to invest $100,000 or more
Monthly fee
$35, with options to waive
Free ATM network
More than 15,000 Chase ATMs
ATM fee reimbursement
Chase will refund ATM fees charged by the ATM owner/network
Overdraft fee
N/A
Mobile check deposit
Yes
Terms apply.
Pros
- Option to waive monthly fees
- Reimbursement for out-of-network ATM fees
- Overdraft assistance
- Top-rated mobile app
- Chase is no. 2 on J.D. Power's 2019 U.S. National Banking Satisfaction Study
- Send and receive money with Zelle®
Cons
- Low APY
- Requires a substantial amount of cash
- Monthly fees
Bonus: $1,000 to $3,000
Expiration: July 15, 2026
How to earn the bonus:
- Earn $1,000 when you when you open a Chase Private Client Checking account and deposit $150,000 to $249,999.
- Earn $2,000 when you when you open a Chase Private Client Checking account and deposit $250,000 to $499,999.
- Earn $3,000 when you when you open a Chase Private Client Checking account and deposit $500,000+.
- No minimum deposit to open an account
- Overdraft assistance
- Top-rated mobile app
- Chase is no. 2 on J.D. Power's 2019 U.S. National Banking Satisfaction Study
- Send and receive money with Zelle®
- No APY
- No reimbursement for out-of-network ATM fees
How to avoid the monthly fee:
- Electronic deposits made into this account totaling $500 or more,
- or a balance at the beginning of each day of $1,500 or more in this account
- or an average beginning day balance of $5,000 or more in any combination of this account and linked qualifying Chase checking, savings and other balances
Information about Chase Total Checking® has been collected independently by CNBC Select and has not been reviewed or provided by the issuer of the card prior to publication.
Bonus: $400
Expiration: July 15, 2026
How to earn the bonus: Be a new Chase checking customer, open a *Chase Total Checking® account and make direct deposits totaling $1,000 or more within 90 days of coupon enrollment.
Chase Business Complete Banking®
Special offer
Earn up to $500 when you open a new Chase Business Complete Checking account. For new Chase business checking customers with qualifying activities.
Monthly maintenance fee
$15 (can be waived)
Minimum opening deposit
None
Minimum balance
None (Minimum daily balance of $2,000 waives the monthly maintenance fee)
Annual Percentage Yield (APY)
N/A
Free ATM network
More than 15,000 Chase ATMs
ATM fee reimbursement
None
Small business perks
Multiple owners can get debit cards, PINs, online account access and employee debit cards (owners control daily limits)
Overdraft fee
$34 with ways to waive
Mobile check deposit
Yes, using the Chase Mobile® app
Terms apply. Chase Bank is a Member FDIC.
Pros
- Generous welcome bonus
- Access to over 5,000 branches and 15,000 ATMs
- Same-day access to cash is available
- Can take credit card payments with Chase QuickAccept℠
- Daily spending limit of $10,000 for Chase Business Debit Cards
Cons
- $2,000 daily account balance required to waive the $15 monthly fee
- Fee for cash deposits over $5,000
- Only 20 free in-person transactions per month
How to avoid the monthly fee:
Meet one of these conditions during your monthly statement period.
- $2,000 minimum daily balance
- $2,000 in purchases on your Chase Ink® Business Card(s)
- $2,000 in deposits from QuickAccept℠ and/or other eligible Chase Merchant Services transactions
- Link a Chase Private Client Checking℠ account
How overdraft fees are waived:
- If your account balance at the end of the business day is overdrawn by $5 or less
- If the item that caused the overdraft was $5 or less, even if your account balance at the end of the business day is overdrawn
- If you made a debit card transaction and your available balance was sufficient at the time it was authorized
- If a merchant submitted the same check or ACH item submitted multiple times, resulting in a Returned Item Fee and an Insufficient Funds Fee
- Insufficient Funds Fees do not apply to withdrawals made at an ATM
Bonus: $300 or $500
Expiration: June 18, 2026
How to earn the bonus:
- Open a Chase Business Complete Checking Account.
- Deposit a minimum amount of new money within 30 days of enrolling in the offer and maintain that balance for 60 days.
- Complete 5 qualifying transactions within 90 days of enrolling in the offer. Your bonus will be deposited within 15 days after completing the transaction.
- No minimum deposit to open an account
- Overdraft assistance
- Top-rated mobile app
- Chase is no. 2 on J.D. Power's 2019 U.S. National Banking Satisfaction Study
- Send and receive money with Zelle®
- No APY
- Monthly fees, but there are options to waive
- No reimbursement for out-of-network ATM fees
*The Chase College Checking℠ Account is no longer available for new account openings.
Bonus: $125
Expiration: July 15, 2026
How to earn the bonus: Open a new Chase College Checking ℠ account and complete 10 qualifying transactions within 60 days of coupon enrollment. Qualifying transactions include:
- Debit card purchases
- Online bill payments
- Chase QuickDeposit℠
- Zelle®
- ACH credits
M&T Bank
M&T MyChoice Premium Checking Account
Monthly maintenance fee
$24.95, with options to waive
Minimum deposit to open
$25
Minimum balance
$1 required to earn APY
Annual Percentage Yield (APY)
0.01%
Free ATM network
1600+ M&T Bank ATMs
ATM fee reimbursement
Up to $2 per transaction
Overdraft fee
$15 per day (maximum of one fee per day); Overdraft protection available
Mobile check deposit
Yes
Terms apply.
Pros
- Low minimum deposit to open an account
- Earns interest
- Options to waive monthly maintenance fee
- No out-of-network ATM fee
Cons
- Monthly maintenance fee
- $15 overdraft fee
- Low ATM fee reimbursement
Bonus: $200
Expiration: July 31, 2026
How to earn the bonus: Using the promo code that M&T Bank provides upon account signup, open a MyChoice Premium Checking Account and make at least $500 total in qualifying direct deposits within 90 days of account opening.
M&T MyChoice Plus Checking Account
Monthly maintenance fee
$14.95, with options to waive
Minimum deposit to open
$25
Minimum balance
$1 required to earn APY
Annual Percentage Yield (APY)
0.01%
Free ATM network
1600+ M&T Bank ATMs
ATM fee reimbursement
Up to $2 per transaction
Overdraft fee
$15 per day (maximum of one fee per day); Overdraft protection available
Mobile check deposit
Yes
Terms apply.
Pros
- Low minimum deposit to open an account
- Earns interest
- Options to waive monthly maintenance fee
- No out-of-network ATM fee
Cons
- Monthly maintenance fee
- $15 overdraft fee
- Low ATM fee reimbursement
Bonus: $150
Expiration: July 31, 2026
How to earn the bonus: Using the promo code that M&T Bank provides upon account signup, open a MyChoice Plus Checking Account and make at least $500 total in qualifying direct deposits within 90 days of account opening.
M&T EZChoice Checking Account
Monthly maintenance fee
$0
Minimum deposit to open
$25
Minimum balance
$0
Free ATM network
1600+ M&T Bank ATMs
ATM fee reimbursement
Up to $2 per transaction
Overdraft fee
$15 per day (maximum of one fee per day); Overdraft protection available
Mobile check deposit
Yes
Terms apply.
Pros
- No monthly maintenance fee
- No minimum balance requirement
- Low minimum deposit requirement
- No out-of-network ATM fee
Cons
- Doesn't earn interest
- $15 overdraft fee
- Low ATM fee reimbursement
Bonus: $100
Expiration: July 31, 2026
How to earn the bonus: Using the promo code that M&T Bank provides upon account signup, open an EZChoice Checking Account and make at least $500 total in qualifying direct deposits within 90 days of account opening.
Bank of America
Bank of America Advantage SafeBalance Banking®
Monthly maintenance fee
$0 for eligible students under 25
Minimum deposit to open
$100
Minimum balance
None
Annual Percentage Yield (APY)
None
Free ATM network
16,000+ ATMs
ATM fee reimbursement
None
Overdraft fee
None
Mobile check deposit
Yes
Terms apply. Bank of America, N.A. Member FDIC.
Pros
- Top-rated mobile app
- No overdraft fees
- Savings program that rounds up debit card purchases and transfers the difference to your savings account
Cons
- $25 minimum deposit to open an account
- No APY
- No reimbursement for out-of-network ATM fees
Bonus: Up to $500; also available with Bank of America Advantage Plus Banking® and Bank of America Advantage Relationship Banking®
Expiration: May 31, 2026
How to earn the bonus: Open a qualifying Bank of America checking account by the expiration date and set up and receive qualifying direct deposits totaling $2,000 to earn $100, $5,000 to earn $300 or $10,000 to earn $500 or more within 90 days of account opening.
Wells Fargo Bank
- Four ways to waive the monthly maintenance fee
- Send and receive money with Zelle
- Easy-to-use mobile app
- $25 minimum deposit to open an account
- $35 overdraft fee
- No APY
- No reimbursement for out-of-network ATM fees
How to avoid the monthly fee:
- Maintain $500 in combined minimum deposit balances,
- or make qualifying direct deposits totaling $500 or more,
- or be between 17 - 24 years old
- or have a linked Wells Fargo Campus ATM Card or Campus Debit Card (for college students)
Bonus: $325
Expiration: July 14, 2026
How to earn the bonus: Open a Wells Fargo Everyday Checking account with a minimum opening deposit of $25 and make a total of $1,000 or more in qualifying direct deposits to your new checking account within 90 calendar days of account opening (the qualification period).
TD Bank
TD Beyond Checking Account
Monthly maintenance fee
$25, with 3 ways to waive
Minimum balance
$2,500 daily balance to avoid monthly maintenance fee
Free ATM network
Over 2,600 TD Banks network ATMs along the East Coast
Overdraft fee
$35 per transaction that overdraws your account balance by more than $50
Minimum deposit to open
$0
ATM fee reimbursement
Non-TD ATM fee waived if you maintain a daily minimum balance of $2,500
Mobile check deposit
Yes
Terms apply.
Pros
- No minimum deposit to open
- Option to waive monthly fees
- Overdraft assistance
Cons
- $25 maintenance fee
- Reimbursement for out-of-network ATM fees is only if you maintain daily minimum balance of $2,500
- Fewer in-network ATMs than some other brick-and-mortar banks
How to avoid the monthly fee (when you meet ONE of the requirements during each statement cycle):
- Have $5,000 or more in direct deposits within a statement cycle
- Maintain a minimum daily balance of $2,500
- Have $25,000 minimum daily combined balance of all deposit accounts, all outstanding home equity loan and home equity line of credit accounts, and/or mortgages in good standing (excludes credit cards and personal loans) that you choose to link
Bonus: $300
Expiration: July 30, 2026
How to earn the bonus: Open a TD Beyond Checking account and have $2,500 total in qualifying direct deposits to the account within 60 days of opening.
TD Complete Checking Account
Monthly maintenance fee
$0 or $15, with 3 ways to waive
Minimum balance
$500 daily balance to avoid monthly maintenance fee
Free ATM network
Over 2,600 TD Banks network ATMs along the East Coast
Overdraft fee
$35 per transaction that overdraws your account balance by more than $50
Minimum deposit to open
$0
ATM fee reimbursement
Non-TD ATM fee waived when the primary account holder is aged 17 through 23 only
Mobile check deposit
Yes
Terms apply.
Pros
- No minimum deposit to open
- Option to waive monthly fees
- Overdraft assistance
Cons
- No APY
- Reimbursement for out-of-network ATM fees is only for primary account holders aged 17 through 23
- Fewer in-network ATMs than some other brick-and-mortar banks
How to avoid the monthly fee (when you meet ONE of the requirements during each statement cycle):
- Have $500 or more in direct deposits
- Maintain a minimum daily balance of $500
- Have a $5,000 minimum daily combined balance across all personal deposit accounts that you choose to link
- Primary account owner is aged 17 to 23.
Bonus: $200
How to earn the bonus: Open a TD Complete Checking account and have $500 total in qualifying direct deposits to the account within 60 days of opening.
How to choose a sign-up bonus
Before choosing a bank account sign-up bonus, there are a few things you should consider:
- Minimum deposit requirements: Check how much you need to deposit to qualify for the bonus and ensure the amount is feasible.
- Direct deposit requirements: See if you need to set up direct deposit and what the terms are. Make sure you can easily arrange this with your employer or income source.
- Timeframe: Ensure you can comfortably meet the bonus deadline.
- Fees: Consider any monthly maintenance fees or other charges that could potentially offset the bonus.
Do I have to pay taxes on a checking account bonus?
Yes, in most cases, you have to pay taxes on a checking account bonus. It may feel like free money, but a cash bonus is considered taxable interest income by the IRS and is added to your gross income.
If a bank gives you a $300 bonus for opening a checking account, for example, you need to report $300 as interest income on your tax return that year.
If the bonus is $10 or more, your bank should send you a Form 1099-INT or 1099-MISC before taxes are due. Even if it doesn't, though, you still need to declare the bonus.
The amount of tax you need to pay on the bonus depends on your tax bracket and effective tax rate for that year.
Are checking account bonuses worth it?
Taking advantage of a promotional bonus can be worth it if the cash incentive outweighs the account requirements. Maintaining an account balance or enrolling in direct deposit can tie up funds that would be better placed elsewhere.
.You may have to wait months before even receiving the bonus. And you'll be paying tax on it, so it won't be as large as you think.
Investigate the offer the way you would any deposit account. If there are high fees, limited ATM access or other red flags, it might not be worth it.
FAQs
What is bank account churning?
Bank account churning is opening new bank accounts to earn their sign-up offers and then often moving your money or closing the account. Opening many bank accounts in a short period can backfire and raise suspicion among banks, and you may face consequences as a result.
Do banks ever give away airline miles as a bonus?
While less common than cash bonuses, some banks do offer free airline miles for making a certain number of savings deposits or debit card purchases. It's usually tied to a specific airline partner.
Should I have more than one checking or savings account?
If you are good at staying on top of your finances, having multiple deposit accounts can secure you a good return while also allowing you to take advantage of other benefits. You can use one checking account for bills and another for daily spending, or use separate accounts for business and personal expenses.
Some couples have joint accounts for household expenses, as well as their own private accounts.
Why trust CNBC Select?
At CNBC Select, our mission is to provide our readers with high-quality service journalism and comprehensive consumer advice so they can make informed decisions with their money. Every checking account list is based on rigorous reporting by our team of expert writers and editors with extensive knowledge of banking products. While CNBC Select earns a commission from affiliate partners on many offers and links, we create all our content without input from our commercial team or any outside third parties, and we pride ourselves on our journalistic standards and ethics. See our methodology for more information on how we choose the best bank bonuses.
Money matters — so make the most of it. Get expert tips, strategies, news and everything else you need to maximize your money, right to your inbox. Sign up here.
Our methodology
To determine which consumer checking accounts provide the best place to deposit your money and earn a bonus, CNBC Select analyzed dozens of U.S. checking accounts offered by the largest national banks and credit unions.
While the accounts we chose in this article all have bonus offers, we also compared each checking account on a range of features, including:
- Reasonable bonus requirements
- Availability nationwide
- Physical branch locations and/or online accessibility
- Large ATM network
- FDIC- or NCUA-insured up to $250,000
We also considered CNBC Select audience data when available, such as general demographics and engagement with our content and tools.
All of the accounts included on this list are FDIC- or NCUA-insured up to $250,000. This insurance protects and reimburses you up to your balance and the legal limit in the event your bank or credit union fails.
Product and feature availability vary by market, so these accounts may not be offered in your area.
Most brick-and-mortar banks require you to enter your ZIP code online for the correct account offerings. The rates and fee structures for checking accounts are subject to change without notice. Any return on your checking account depends on associated fees and your account balance. To open a checking account, some banks and institutions may require a deposit of new money, meaning you can't transfer money you already have in an account at that bank.
Catch up on CNBC Select's in-depth coverage of credit cards, banking and money, and follow us on TikTok, Facebook, Instagram and Twitter to stay up to date.
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* New and existing Checking and Savings members who have not previously enrolled in Direct Deposit with SoFi are eligible to earn a cash bonus of either $50 (with at least $1,000 total Eligible Direct Deposits received within 25 calendar days of your first Eligible Direct Deposit of $1 or more) OR $400 (with at least $5,000 total Eligible Direct Deposits received within 25 calendar days of your first Eligible Direct Deposit of $1 or more). Cash bonus amount will be based on the total amount of Eligible Direct Deposit received within 25 calendar days of your first Eligible Direct Deposit of $1 or more. If you have satisfied the Eligible Direct Deposit requirements but have not received a cash bonus in your Checking account, please contact us at 855-456-7634 with the details of your Eligible Direct Deposit. Direct Deposit Promotion begins on 5/15/2026 and will be available through 12/31/26. See full bonus and annual percentage yield (APY) terms at sofi.com/banking/checking-offer/ *SoFi Checking and Savings is offered through SoFi Bank, N.A., Member FDIC. SoFi members with Eligible Direct Deposit can earn up to 3.10% annual percentage yield (APY) on savings balances (including Vaults) and 0.50% APY on checking balances. There is no minimum Eligible Direct Deposit amount required to qualify for the 3.10% APY for savings (including Vaults). Members without Eligible Direct Deposit will earn 1.00% APY on savings balances (including Vaults) and 0.50% APY on checking balances. Interest rates are variable and subject to change at any time. These rates are current as of 5/28/26. There is no minimum balance requirement. Fees may reduce earnings. Additional information can be found at http://www.sofi.com/legal/banking-rate-sheet. *SoFi Bank is a member FDIC and does not provide more than $250,000 of FDIC insurance per depositor per legal category of account ownership, as described in the FDIC's regulations. Any additional FDIC insurance is provided by the SoFi Insured Deposit Program. Deposits may be insured up to $3M through participation in the program. See full terms at SoFi.com/banking/fdic/sidpterms. See list of participating banks at SoFi.com/banking/fdic/participatingbanks. *Earn up to 3.80% Annual Percentage Yield (APY) on SoFi Savings with a 0.70% APY Boost (added to the 3.10% APY) for up to 6 months. Open a new SoFi Checking & Savings account with Eligible Direct Deposit by 12/31/26. Rates variable, subject to change. Terms apply at sofi.com/banking#2. SoFi Bank, N.A. Member FDIC *Annual percentage yield (APY) is variable and subject to change at any time. Rates are current as of 5/28/26. There is no minimum balance requirement. Fees may reduce earnings. Additional rates and information can be found at https://www.sofi.com/legal/banking-rate-sheet
*Information about Chase Total Checking® has been collected independently by CNBC Select and has not been reviewed or provided by the issuer of the card prior to publication.
