Bonus account

TD bank is based in wilmington, delaware. In bankrate’s review of TD bank’s services and product offerings, it earned 3.5 out of 5 stars.

Today forex bonuses

Best bank account bonuses for February 2021, bonus account.

The bonus your friend will receive depends on the type of account she opens and whether she completes the qualifying activities outlined in the bonus.

Best bank account bonuses for february 2021

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If you’re wishing you had more savings right now, you’re not alone. Many americans impacted by the coronavirus are finding that they need additional funds to make ends meet. A bit of extra cash could be a big help. Fortunately, a number of banks are still giving out free stacks of cash.

In exchange for opening a new savings or checking account, you could wind up with an extra $200 or $300 dollars (or more). Shopping around for a new bank account isn’t exactly exciting, but at a time like this it could be worth your while.

Here are some of the best bank account bonuses in february. Compare these offers along with cds and other savings accounts that pay more interest. And check out other types of bonuses, too, like the best brokerage account bonuses.

Summary of the best bank account bonuses

Best checking account bonuses

Associated bank: $200, $300 or $500 bonus

HSBC bank: $200 or $450 bonus

TD bank: $150 or $300 bonus

Chase bank: $200 bonus

PNC bank: $200 or $500 bonus

Huntington national bank: $150, $200, $400, $500 or $750 bonus

Bank of america: $100 bonus

Axos bank: $100 bonus for new business owners

Best checking and savings account bonus

Best referral bonuses

Axos bank: $20 for referral and referee

Chase: $50 for each referral up to $500

Chime: $50 for referral and referee

TD bank: $50 for referral and referee

Best checking account offers

Associated bank: $200, $300 or $500 bonus

New customers have the opportunity to earn a $200, $300 or $500 bonus when opening a checking account with associated bank and completing qualifying activities by may 31, 2021.

To earn the bonuses, you must maintain a preset balance for the first 61-90 days.

To earn $200, you must maintain a daily balance of $1,000 – $4,999.

To earn $300, you must maintain a daily balance of $5,000 – $9,999.

To earn $500, you must maintain a daily balance of $10,000 or more.

In order to be eligible for the bonuses, you must not have opened an account with associated bank within the last six months and have to keep the account open for a minimum period of 12 months.

Associated bank is based in green bay, wisconsin and has branches located in illinois, minnesota and wisconsin.

HSBC bank: $200 or $450 bonus

HSBC has a couple of checking account bonuses available online. Through march 31, 2021, you can earn:

$200 for opening an HSBC advance checking account online and receiving recurring monthly direct deposits totaling $500 for three consecutive months (from the second full calendar month after opening the account).

$450 for opening an HSBC premier checking account online and receiving monthly direct deposits of at least $5,000 for three consecutive months (from the second full calendar month after opening the account).

Another option is to opt for a bonus that pays 3 percent cash back (up to $600 for new premier checking account holders). This offer also expires on march 31. To qualify, you’ll need to set up recurring direct deposits to an HSBC premier checking account at least once per calendar month for six consecutive months following the account’s opening month.

HSBC is based in mclean, virginia. It earned 4 out of 5 stars in bankrate’s full review of its products and offerings.

TD bank: $150 or $300 bonus

A $300 bonus is available for TD bank customers who:

Open a beyond checking account online.

Have never had a TD bank personal checking account.

Have at least $2,500 worth of direct deposit funds within 60 days of opening the account.

There’s also a $150 cash bonus if you’d prefer a convenience checking account (requires direct deposits of $500 within 60 days of opening the account).

Bonuses are available to residents in the district of columbia, pennsylvania and every state on the east coast except georgia.

TD bank is based in wilmington, delaware. In bankrate’s review of TD bank’s services and product offerings, it earned 3.5 out of 5 stars.

Chase bank: $200 bonus

Through april 14, 2021, chase is offering a bonus on new checking and savings accounts.

To earn $200, open a new total checking account and have a direct deposit totaling $500 or more within the first 90 days.

To qualify for the bonus, you must not have an existing chase fiduciary or checking account (or had one closed with a negative balance or within the last 90 days).

Chase bank has branches in 29 states including georgia and florida and in the western, southwestern, midwestern and northern parts of the country.

Our review of chase’s banking products and services gave the bank 3.4 out of 5 stars. Chase is headquartered in columbus, ohio.

PNC bank: $200 or $500 bonus

As long as you don’t have an existing PNC consumer checking account or have closed one within the past 90 days, you could qualify for a $200 or $500 bonus when you open a business checking or business checking plus account, treasury enterprise plan or analysis business checking account.

To earn the $200 bonus, you must:

Open a business checking or business checking plus account

Maintain a minimum balance of $5,000 for each of the first three statement cycles

Make at least 20 total qualifying transactions in the first three billing statements

To earn the $500 bonus, you must:

Open a treasury enterprise plan or analysis business checking account

Maintain a minimum balance of $30,000 for each of the first three statement cycles

Accounts can be opened nationwide online or in-person. The offers expire on march 31, 2021.

PNC is based in wilmington, delaware and earned 3.7 out of 5 stars in bankrate’s full review of its products and offerings.

Huntington national bank: $150, $200, $400, $500 or $750 bonus

Huntington bank has a few checking account bonuses available for both consumers and business owners. Through april 7, 2021 you can earn:

$150 for opening an asterisk-free checking account and making a cumulative deposit of at least $1,000 within 60 days of the account opening.

$200 for opening a huntington 5 checking account and making a cumulative deposit of at least $1,000 within 60 days of the account opening.

$200 for opening a business checking 100 account and making a cumulative deposit of at least $2,000 within 60 days of the account opening.

$400 for opening an unlimited business checking account and making a cumulative deposit of at least $5,000 within 60 days of the account opening.

$500 for opening a huntington 25 checking account and making a cumulative deposit of at least $15,000 within 60 days of the account opening.

$750 for opening an unlimited plus business checking account and making a cumulative deposit of at least $20,000 within 60 days of the account opening.

These offers are only valid for residents of ohio, michigan, indiana, pennsylvania, kentucky, west virginia, illinois and wisconsin.

Huntington is based in columbus, ohio. In the full review of its banking products and offerings, the bank earned 3.4 out of 5 stars.

Bank of america: $100 bonus

New checking customers can earn $100 from bank of america when they open an account online. The offer expires june 30, 2021. To get the bonus, you must:

Not have had a bank of america personal checking account within the past six months.

Open a new advantage safebalance banking, advantage plus banking or advantage relationship banking account online.

Make an opening deposit ($25 opening deposit for the advantage safebalance banking account and $100 opening deposit for the others).

Receive two direct deposits of at least $250 each within 90 days of opening your account.

An offer code (DOC100CIS) is needed to qualify for the bonus.

Bank of america is headquartered in charlotte, north carolina. It earned 3.2 out of 5 stars in bankrate’s full review of its products and services.

Axos bank: $100 bonus for new business owners

New small-business owners have the opportunity to earn a $100 bonus when they open a small business checking account with axos bank. The offer expires march 31, 2021. To get the bonus, you must:

Have incorporated your business after june 1, 2020

Maintain a daily balance of at least $2,500

All deposits must be new money

An offer code (NEWBIZ100) is needed when applying.

Axos is headquartered in san diego, california. It earned 4.6 out of 5 stars in bankrate’s full review of its products and services.

Best checking and savings account bonus

Citibank: $200, $400 or $700 bonus

Customers in the market for a new checking and savings account can open both through citi and potentially earn a bonus.

To earn $300, open an eligible checking or savings account in the citibank account package. Deposit $15,000 within 30 days and maintain that balance for 60 days.

To earn $700, open checking and savings accounts in the citi priority account package. Deposit $50,000 within 30 days and maintain that balance for 60 days.

Both offers expire april 1, 2021. Citibank is based in sioux falls, south dakota. In bankrate’s review of citibank’s full suite of products and offerings, it earned 4.3 out of 5 stars.

Best bank account referral bonuses

Axos bank: $20 for referral and referee

Current axos customers have the opportunity to earn and give $20 for referring a friend to the essential checking account.

To qualify for the bonus, your friend must:

Not have owned an axos bank account

Use your personalized referral link

Add and maintain at least $500 for a full month

Receive a direct deposit of at least $100 within the first two months

If all requirements are met, both parties will receive $20 in their bank account.

Axos is headquartered in san diego, california. It earned 4.6 out of 5 stars in bankrate’s full review of its products and services.

Chase: $50 for each referral up to $500

Current chase customers can earn $50, up to $500 per calendar year, for each friend who opens a qualifying checking or savings account.

To qualify, your friend must:

Use your personalized referral link

Open a chase total checking, chase savings or chase college checking account

Be in good standing at the time of payout

The bonus your friend will receive depends on the type of account she opens and whether she completes the qualifying activities outlined in the bonus.

Our review of chase’s banking products and services gave the bank 3.4 out of 5 stars. Chase is headquartered in columbus, ohio.

Chime: $50 for referral and referee

Current chime customers can get $50 for each friend they refer. To qualify for the bonus, you must:

Be a new chime customer

Use your personalized referral link

Receive a single qualifying direct deposit of $200 or more from a payroll provider within 45 days of opening the account

If all qualifying activities are met, both parties will receive $50.

Chime is based in san francisco, california and is a neobank, meaning it strictly operates online and partners with a bank to hold your deposits.

TD bank: $50 for referral and referee

TD bank customers can earn and give $50 when they refer a friend to a TD bank personal checking account. To qualify for the bonus, your friend must:

Bring in a referral form with your information

Be a new TD bank customer

Receive a direct deposit of at least $250

OR make at least 15 debit card purchases within 60 days of opening the account

You can refer up to 10 friends per calendar year, meaning you could earn up to $500.

TD bank is based in wilmington, delaware. In bankrate’s review of TD bank’s services and product offerings, it earned 3.5 out of 5 stars.

Banks use sign-up bonuses to distinguish themselves from others in the industry. Cash bonuses also help financial institutions bring in new customers and new deposits.

While they could pay account holders a higher yield, for some banks, offering a bonus is preferable.

“it’s much easier to quantify the bonus than it is to raise the rate on what you’re paying out on deposits,” says greg mcbride, CFA, bankrate chief financial analyst.

Some banks, like citibank, offer more than one sign-up bonus. But qualifying for multiple bonuses at the same time at the same bank usually isn’t possible. Bank account bonuses are typically available only to new checking or savings account holders.

What to watch out for

Every bank account bonus isn’t a good deal. Before you sign up, read the fine print.

Watch out for sky-high minimum balance requirements and monthly fees that could eat into your earnings. If earning a bonus seems to require too much effort, you might want to look for another one.

If you’re applying for a checking account, make sure it’s a good match that meets your needs. For example, if you need them, double-check that there are plenty of branches and atms in your area. That way, you’re not driving miles to meet with a banker or wasting money on out-of-network ATM fees. And with coronavirus forcing banking to shift online more than ever before, look for a bank or credit union that offers a solid set of digital tools.

If you’re looking for a new savings account, consider whether you’re better off finding another bank that pays more interest.

For instance, these one-time bonuses are typically offered on accounts that pay minimal interest. So while the bonus is great initially, you may be sacrificing the long-term return.

Free bonus account

Get your free bonuses!

$100 no deposit bonus

100% deposit bonus

$100 referral bonus

No deposit bonus

Get $100 no deposit bonus on registration. Trade the real markets for free. All you profit is yours. Meet the 50 lots requirement and withdraw all you profit.

Deposit bonus

We are offering all clients a 100% bonus on first deposits. Simply make your first deposit and have it met with a FREE 100% bonus! A minimum amount of traded volume must be achieved. New or existing accounts who enrol in the bonus program and make their first deposit will receive a deposit bonus up to $100! The more you deposit, the more bonus funds you will receive. Trading requirements do apply. Max loss of the account is the initial first deposit. You need to meet the 50 lots per $100 requirement and then withdraw all you profit.

Referral bonus

Give your username to a friend and get $100 referral bonus. You will need to meet an additional 50 lots requirement to withdraw all you profit.

Terms

* 1 lot shall be equal to: 100,000 of trading units; or 100,000 notional amount; or 1 industry standard lot.

* promotion is for forex trading only. Round turn requirements are calculated ONLY on forex products, no cfds on futures, commodities or equities.

* any deposit that exceeds $1,000 USD will be credited only with a bonus amount totalling $1,000 USD and any internal transfer from accounts shall not be considered as a deposit for promotion purposes.

* promotion available only to fxplayer trader.

* bonus account cannot be mixed with real account and real deposits.

* bonus account can be traded for a maximum of 1 month. After the 1 month you need to deposit the full amount of the equity to keep the account.

* offer valid until expiration.

* upon fraud, abuse or any other form of manipulation the bonus is invalid.

* you are obligated to notify the support upon BETA issues on anything, including trading and pricing issues. If you failed to notify the support on time, and continue trading, the account will be considered invalid.

* these terms are subject to change without notice.

* only one bonus per person, account and/or IP address

* the maximum amount of winnings is $200.

* you will get $200 in your real account. You need to trade 100 lots in 1 month before you withdraw $200.

* you need to verify your account before withdrawal.

Risk warning: leverage products are high risk and high reward and should not be traded by all investors. Trading any financial instrument on margin involves considerable risk. Therefore, before deciding to participate in margin trading, you should carefully consider your investment objectives, level of experience and risk appetite. Most importantly, do not invest money you cannot afford to lose. Consulting with your investment counsellor, attorney or accountant as to the appropriateness of an investment in margin trading is recommended.

Fairness policy: fxplayer ltd is dedicated to preserving the uppermost ethics and morals of virtuous behaviour as well as providing a level of transparency, all of which are the foundation of our corporate ethos. Fxplayer ltd provides justice, uprightness, and reliability, and this is our most valued corporate advantage. Fxplayer ltd identifies that our reputation pivots on the dedication of our employees to the highest standards of ethical behaviour and professionalism in the performance of their duties.

Bonus+ savings account

Give yourself a limitless bonus

Earn up to 0.40% a year on your total account balance

Receive 0.15% a year if you do not make any withdrawals

Get an additional 0.25% a year when you save at least S$500 each month

Anyone at least 16 years old

Singaporean, singapore PR or foreigner with a valid pass

Earn higher interest by saving regularly and with no withdrawals.

Earn higher interest on your entire account balance when you do the following:

Earn up to 0.40% a year

On your entire account balance

0.25% a year

No-withdrawal & save bonus interest

Earn bonus interest when you deposit at least S$500 and make no withdrawals in the same month

0.10% a year

No-withdrawal bonus interest

Earn bonus interest when you make no withdrawals in a month

0.05% a year

Base interest

Eligibility requirements

NRIC for singaporeans and singapore prs

Passport and a valid pass (e.G. Employment pass (EP) or S-pass or student pass) for foreigners

Include any one of the following documents that shows your residential address

Deposit requirements

Fresh funds refer to funds not transferred or withdrawn from existing OCBC bank deposit accounts and re-deposited or funds in the form of OCBC bank cheque/cashier's order/demand drafts.

Minimum average daily balance for the month

Statement

Terms and conditions

Important notices

Deposit insurance scheme

Singapore dollar deposits of non-bank depositors and monies and deposits denominated in singapore dollars under the supplementary retirement scheme are insured by the singapore deposit insurance corporation, for up to S$75,000 in aggregate per depositor per scheme member by law. Monies and deposits denominated in singapore dollars under the CPF investment scheme and CPF retirement sum scheme are aggregated and separately insured up to S$75,000 for each depositor per scheme member. Foreign currency deposits, dual currency investments, structured deposits and other investment products are not insured.

Open your OCBC bonus+ savings account today

Or visit us at a branch with these documents.

Common questions

You get 2 categories of interest on your account every month.

This interest is accrued daily based on your account's day-end balance and you will receive this at the end of the month.

You earn 2 types of bonus interest on your account’s average daily balance and you will receive this on the 1st business day of the following month.

Earn a monthly no withdrawal bonus interest of 0.10% a year for months when you do not make any withdrawals.

Earn a monthly no withdrawal & save bonus interest of 0.25% a year for months when you do not make any withdrawals and deposit at least S$500.

You can choose to deposit the money through any of your preferred methods. For example, you can set up a recurring monthly FAST contribution instruction.

No there isn’t. You will get the bonus interest on your entire account balance, if the required criteria is met.

You will receive the base interest for months when you make a withdrawal. For subsequent months, you can earn the bonus interest if you meet the bonus interest criteria.

Bonus account

Deposit bonus – A bonus on funding a live account. The bonus credited on percentage of the deposit amount.

No deposit bonus – free bonus on account registration for the new clients to trade live without any risk.

Tradable bonus: A deposit bonus that can be lost and traded as the part of your trading equity.

Volume bonus – most common type of deposit bonus, it allows you to increase your trading volume. Often the bonus can be cashed on trading lot requirement.

Forex gift – A gift for the clients for completing certain requirements, everything from bonus to latest gadget

Freebies – free stuff by forex brokers like ebook, courses, trading materials etc.

Rebate – cash-back withdrawable bonus on each lot traded.

Demo contest – contests held on demo account, win cash/tradable money with no-risk involve!

Live contest – contest held on live account, deposit requires. Win bigger cash/prizes.

Refer – a-friend– refer your friend to your broker, when your friend deposit you will get a special bonus

Free signals – get free trading signals from the broker.

Free VPS – get access to an optimized forex virtual private server for free on maintaining a certain amount of trading balance.

Binary options – binary bets trading on forex instruments

Forum posting: get a small trading bonus for each of your post in forms.

3 affiliate IB: receive a commission from your fellow traders, specially design for the marketers.

Draw bonus: the winners chosen by a draw

Seminars webinars: find the schedule to participate in the online/offline events.

Expos events: inviting to attend the forex events & expos globally.

Best brokerage account bonuses in february 2021

Advertiser disclosure

Our articles, interactive tools, and hypothetical examples contain information to help you conduct research but are not intended to serve as investment advice, and we cannot guarantee that this information is applicable or accurate to your personal circumstances. Any estimates based on past performance do not a guarantee future performance, and prior to making any investment you should discuss your specific investment needs or seek advice from a qualified professional.

How we make money.

Editorial disclosure.

All reviews are prepared by our staff. Opinions expressed are solely those of the reviewer and have not been reviewed or approved by any advertiser. The information, including any rates, terms and fees associated with financial products, presented in the review is accurate as of the date of publication.

Smith collection/gado/getty images

Editorial integrity

Key principles

Editorial independence

How we make money

We’re transparent about how we are able to bring quality content, competitive rates, and useful tools to you by explaining how we make money.

Brokerages are aggressively competing for your money. One way they do so is by offering competitive bonuses that you can add right to your brokerage account. It’s important to know the best offers so that you can decide whether it’s a good time to open a brokerage account and take advantage of what is often risk-free cash.

Here bankrate tracks the best brokerage account bonuses to help you compare active offers.

Best brokerage account bonuses in february 2021

Ally invest: $50 to $3,500

Merrill edge: $150 to $900

Charles schwab: $100 to $500 (personally referred friend offer)

TD ameritrade: $350 to $2,500

Ally invest: $50, $200, $300, $600, $1,200, $2,500 or $3,500 bonus

New ally invest clients can earn up to a $3,500 cash bonus if they open a new account by march 31, 2021. The qualifying deposit must contain funds from outside of ally financial, and a person can only get the offer on one new ally invest securities LLC account. As an extra incentive, ally will credit your transfer fees from another brokerage, up to $150 as long as you bring at least $2,500 over to the new account.

Ally invest checks your deposit 60 days after your account is opened to determine the total qualifying deposit. You’ll receive your cash bonus within 10 business days after this review.

To receive a cash bonus, you must:

Deposit at least $10,000 in a new ally invest account.

Be a U.S. Resident.

Not be an existing ally invest account holder or a former ally invest account holder (which includes former tradeking securities LLC account holders). You’re not eligible to receive the cash bonus if you closed one of these ally invest accounts within the past 90 days.

You must use the “open account” button associated with this offer on ally invest’s site for opening your account to be eligible for this offer.

Here are the bonus tiers for this offer:

To receive the $50 bonus, deposit or transfer $10,000-$24,999.

To receive the $200 bonus, deposit or transfer $25,000-$99,999.

To receive the $300 bonus, deposit or transfer $100,000-$249.999.

To receive the $600 bonus, deposit or transfer $250,000-$499,999.

To receive the $1,200 bonus, deposit or transfer $500,000-$999,999.

To receive the $2,500 bonus, deposit or transfer $1 million -$1,999,999.

To receive the $3,500 bonus, deposit or transfer $2 million or more.

Once you receive your bonus, both the cash bonus and your qualifying deposit (minus any trading losses that are incurred) can’t be withdrawn for 300 days. A withdrawal may cause ally invest to revoke your bonus.

Read bankrate’s ally invest review to learn more.

Merrill edge: $150, $225, $375 or $900 bonus

When you open a merrill edge IRA or cash management account and make a qualifying deposit within 45 days of opening you can earn up to a $900 bonus, if you are or will soon be a member of merrill’s preferred reward program. You need to use offer code 900ME during the account opening. This can be done while applying online or using it when speaking to a merrill edge financial advisor on the phone or at select bank of america branches. This offer expires april 15, 2021.

To receive a cash reward, you must:

Enroll for the offer at the time of account opening.

Deposit net new assets of at least $20,000 into your merrill edge account within 45 days of opening the account.

You must be enrolled in the preferred rewards program within 90 days of making the deposit.

Maintain that balance for at least 90 days.

The offer limits you to one IRA — rollover, traditional, roth and sole-proprietor SEP only — and one cash management account. Each account holder can’t have more than two enrolled accounts.

Assets from bank of america, merrill lynch, pierce, fenner & smith incorporated (MLPF&S), U.S. Trust, or 401(k) accounts administered by MLPF&S aren’t qualifying net new assets.

You’ll receive your cash reward two weeks after the initial 90-day period, assuming you meet eligibility requirements.

Business/corporate accounts, investment club accounts, partnership accounts and certain types of fiduciary accounts held at merrill edge aren’t eligible for this offer. The offer also doesn’t apply to accounts, which include iras or cmas, held with other business units of MLPF&S.

Here are the bonus tiers:

To receive the $150 cash reward, deposit $20,000 to $49,999.99.

To receive the $225 cash reward, deposit $50,000 to $99,999.99.

To receive the $375 cash reward, deposit $100,000 to $199,999.99.

To receive the $900 cash reward, deposit $200,000 or more.

If you’re not in the preferred rewards program, you can still use promo code 600ME to receive $100, $150, $250 and $600 with the same respective deposits as above.

Read bankrate’s merrill edge review to learn more.

Charles schwab: $100, $200, $300 or $500 (if you’re referred by a friend)

Schwab is offering personally referred friends the opportunity to earn up to $500 when they use a referral code, given to you by a current schwab customer, and open an eligible account at schwab.

To receive the bonus award, you must:

Receive a referral code from a friend or family member.

Be a new schwab client and make a qualifying net deposit within 45 days of both becoming a schwab customer and opening an eligible retail brokerage account.

You’re limited to one per account and only one account per client when you receive a referral.

Schwab retail brokerage accounts and iras are eligible for this offer. This includes accounts that are enrolled in schwab-sponsored investment advisory programs, such as schwab intelligent portfolios, schwab managed portfolios, schwab managed account select and connection, as well as schwab private client.

You’ll receive your bonus approximately a week or two after the 45-day period ends if you made a qualifying deposit when becoming a new schwab customer and enrolling in the referral offer.

Schwab may charge back its bonus award if taxable accounts aren’t kept at schwab for at least one year.

Here are the bonus tiers for this offer:

To receive a $100 bonus, deposit $1,000-$24,999.

To receive a $200 bonus, deposit $25,000-$49,999.

To receive a $300 bonus, deposit $50,000-$99,999.

To receive a $500 bonus, deposit $100,000 or more.

Read bankrate’s charles schwab review to learn more.

TD ameritrade: $350, $700, $1,500 or $2,500 bonus

If you open a new individual, joint or IRA TD ameritrade account, you can earn up to a $2,500 bonus. This offer is available through june 30, 2021.

To receive a bonus, you must:

Fund the new account with a qualifying deposit of $250,000 or more within 60 calendar days of account opening.

Note: the offer isn’t valid with internal transfers, for TD ameritrade institutional accounts or an account managed by TD ameritrade investment management, LLC. It’s also not valid for current TD ameritrade accounts and you can’t use other offers.

There is a limit of one offer per client. Your account value must remain at least equal to its value after the net deposit was made for 12 months – minus any losses due to trading or market volatility or margin debit balances. Otherwise, TD ameritrade may charge the account for the offer amount.

(charles schwab has purchased TD ameritrade, and will eventually integrate the two companies.)

Here are the bonus tiers for this offer:

To receive a $350 bonus, deposit $250,000-$499,999.

To receive a $700 bonus, deposit $500,000-$999,999.

To receive a $1,500 bonus, deposit $1,000,000-$1,999,999.

To receive a $2,500 bonus, deposit $2,000,000 or more.

Read bankrate’s TD ameritrade review to learn more.

The best savings account bonus offers and promotions

These savings account promotions reward you with one-time bonuses and great interest rates just for signing up.

Updated jan 14, 2021 . What changed?

We review over 120 savings accounts at the beginning of each month and select those with the highest promotional value, regardless of minimum deposits. We include checking accounts only if there are attached savings account requirements, and we omit bonuses that are only available to a few states.

What’s changed in 2021?

We updated savings bonus offers for citi and bask bank. We added the suze orman ultimate opportunity savings account bonus to our list after it was announced by alliant credit union in january.

6 best savings bonus offers

Here’s a snapshot of the five best savings account bonus offers:

Account	bonus total	minimum deposit	expiration	more info
citi priority account	$700 bonus	$50,000	april 1, 2021	learn more
citibank® account package	$300 bonus	$15,000	april 1, 2021	learn more
chase savings	$150 bonus	$10,000	january 20, 2021	learn more
chase private client	$2,000 bonus	$250,000	january 15, 2021	learn more
bask bank savings	1,000 aadvantage bonus miles	$5,000	june 30, 2021	learn more
suze orman ultimate opportunity savings	$100 bonus	$0	march 31, 2021	learn more

Closer look at the best savings accounts bonus offers

Take a closer look at the best savings account promotions by reviewing the fine print of each one:

Citi priority account: $700 bonus

Bonus amount: $700

Minimum deposit required: $50,000

Interest rate: 0.04% to 0.5%, depending on your location

Offer rules: open new, qualifying savings and checking accounts as part of the citi priority account package. Within 30 days, deposit at least $50,000 into your combined accounts and keep the amount for 60 consecutive calendar days.

Eligibility: available only to new citibank customers.

Expiration: bonus available until april 1, 2021.

Citibank® account package: $300 bonus

Bonus amount: $300

Minimum deposit required: $15,000

Interest rate: 0.04% to 0.5%, depending on your location

Offer rules: open new, qualifying savings and checking accounts as part of the citibank account package. Within 30 days, deposit at least $15,000 into your combined accounts and keep the amount for 60 consecutive calendar days.

Eligibility: available only to new citibank customers.

Expiration: bonus available until april 1, 2021.

Chase savings: $150 bonus

Bonus amount: $150

Minimum deposit required: $10,000

Interest rate: 0.01% APY

Offer rules: earn $150 when you open a new chase savings account by january 20, 2021, deposit at least $10,000 in new money within the first 20 days and maintain a minimum $10,000 balance for 90 days.

Eligibility: not available to existing chase savings customers, or those whose accounts have been closed within 90 days or closed with a negative balance.

Expiration: bonus available until january 20, 2021.

Chase private client: $2,000 bonus

Bonus amount: $2,000

Minimum deposit required: $250,000

Interest rate: 0.01%

Offer rules: join chase private client and transfer at least $250,000 in new money to eligible savings, checking or investment accounts within 45 days of account opening. Finally, keep an average daily balance of at least $250,000 in your accounts for at least 90 days.

Eligibility: available only to existing chase customers.

Expiration: bonus available until january 15, 2021.

Bask bank savings: 1,000 aadvantage bonus miles

Bonus amount: 1,000 aadvantage miles

Minimum deposit required: $5,000

Interest rate: earn 1 aadvantage mile for every $1 saved

Offer rules: open a new bask bank savings account before june 30, 2021. Within 30 days, deposit at least $5,000 into the account and maintain that balance for at least 90 days. The bonus miles will be awarded within 10 days of meeting requirements and may take six to eight weeks to post to your aadvantage account.

Eligibility: available to new bask bank customers only.

Expiration: bonus available until june 30, 2021.

Suze orman ultimate opportunity savings account: $100 bonus

Bonus amount: $100

Minimum deposit required: $0

Interest rate: 0.55%

Offer rules: open an alliant savings account by march 31, 2021, and receive a $100 bonus when you transfer at least $100 a month into the account for 12 consecutive months. Account must have a $100 daily minimum balance and a $1,200 minimum balance after 12 months to qualify.

Eligibility: available to new alliant credit union members only.

Expiration: bonus available until march 31, 2021.

How to choose the best savings account bonus

When combing through savings account promotions, dig beyond the surface and look at the actual account details. Because once the introductory offer expires, you don’t want to be stuck with an account you don’t like. Here are some factors to consider:

Bonus requirements. The best savings account bonuses typically have deposit requirements of at least $10,000. You may also need to keep your money in your account for a certain period of time. Make sure you can easily meet these requirements before you open an account.

High introductory rate. Look for an account with a high introductory interest rate that lasts for a longer period of time.

Low minimum opening balance. Check to see how much money you need to open the account — and if there’s a minimum ongoing balance that needs to be maintained. If you’re just starting out as a new saver, you probably don’t want a high minimum.

Little or no fees. Some banks have monthly fees or will charge you if your account balance dips too low. Look for a fee-free account, especially if you can’t keep a high minimum balance.

High regular rate. After the introductory period is over, your account will drop down to the bank’s regular rate. Don’t get so caught up in flashy offers for new accounts that you choose one with a rock-bottom regular rate.

How do savings account bonus offers work?

Banks attract new customers by offering signup bonuses for checking and savings accounts when you open them online. Requirements vary by bank, but you’ll usually need to set up direct deposit or transfer a minimum amount of money into the account by a certain date to meet the requirements. The promotion is deposited into your account typically within 90 days.

What are the pros and cons of a savings account signup bonus?

Weigh these benefits and drawbacks before opening an account with a promotion or offer:

Motivation to save. Receiving a signup bonus could be the motivation you’ve always needed to finally start saving.

Could get more interest. The boost in interest offered as an introductory rate is a good incentive to put as much as you can into a savings account in the first few months.

Limited time only. After the introductory period, you’ll lose your bonus or the account will revert to a lower, standard variable rate.

You don’t usually get signup bonuses right away. Many banks require you to have your account open for a specified period of time before they give you your signup bonus. This prevents people from opening several accounts in one day just for the cash and then closing them the next day.

What is an introductory rate?

An introductory interest rate is a higher interest rate offered on a savings account that’s only available for a couple of months. It’s a good practice to regularly compare your savings account options to ensure you’re always getting the highest rate.

What’s a loyalty bonus?

A loyalty bonus is any sort of extra perk that a financial institution offers customers who have several different account types, large balances or a long history with the bank. They can apply to savings accounts, checking accounts, cds, credit cards and even loans. Bundling together multiple financial products and linking your accounts at the same bank is one of the most common ways to score a bonus.

Bottom line

An introductory offer can be the motivational boost you need to start saving. When you’re ready to open an account, take advantage of any bonuses available — but make sure it’s an account that you’ll still want when the intro period ends.

Use this table to compare savings accounts with sign-up offers and promotions.

Bonus saving account

A cash bonus - for doing nothing

Because dipping into your savings can be tempting, our bonus savings account rewards you for establishing virtuous saving habits. Every month you don't make a withdrawal, we'll give you a bonus rate of 0.05% AER/gross variable on balances up to £25,000. Don't worry - you can still get at your money if you need to, but for that month the interest will only be 0.01% AER/gross. Knowing this should be just enough to curb the temptation.

Bonus rate applies for every calendar month you don't make a withdrawal

Instant access if you need it by an internal transfer to your first direct current account

Earn the higher interest rate on balances up to £25,000

Start saving from £1, no maximum limit

Sole accounts only and one account per person.

AER stands for annual equivalent rate. This shows you what the rate would be if interest were paid and compounded each year.

Gross is the rate of interest if interest were paid and not compounded each year.

Summary and key product information

account information title

account information details

account name

bonus savings account

what is the interest rate?

Balance	interest rate with bonus	interest rate without bonus
under £25,000	0.05% AER/gross	0.01% AER/gross
£25,000+	0.02% AER/gross	0.01% AER/gross

Interest is calculated daily and credited monthly.

Bonus interest is not paid in any calendar month where a withdrawal is made or the account is closed.

Bonus interest is paid in any month where a withdrawl is not made or the account not closed.

Balances up to £25,000 will earn the higher rate of interest. Only the part of the balance above £25,000 will earn the lower rate of interest.

For the purpose of these calculations it is assumed:-

Initial deposit of £1,000 and £35,000

No additional deposits

The interest rate remains the same during the 12 months

The with bonus calculation assumes no withdrawals are made in any of the 12 months

The without bonus calculation assumes a withdrawal is made in each of the 12 months.

Projection provided for illustrative purposes only and does not take into account individual circumstances.

Eligibility:

You must hold a first direct 1st account, our current account

This account can only be opened in sole names

Only one account per person permitted.

How to open the account:

Minimum/maximum balance:

A minimum of £1 must be deposited to open the account

There is no maximum balance.

How to manage the account:

AER stands for annual equivalent rate. This shows you what the gross rate would be if interest were paid and compounded each year.

Gross is the rate of interest if interest were paid and not compounded each year.

Information correct at 17 june 2020

Best brokerage account bonuses in february 2021

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Here bankrate tracks the best brokerage account bonuses to help you compare active offers.

Best brokerage account bonuses in february 2021

Ally invest: $50 to $3,500

Merrill edge: $150 to $900

Charles schwab: $100 to $500 (personally referred friend offer)

TD ameritrade: $350 to $2,500

Ally invest: $50, $200, $300, $600, $1,200, $2,500 or $3,500 bonus

Ally invest checks your deposit 60 days after your account is opened to determine the total qualifying deposit. You’ll receive your cash bonus within 10 business days after this review.

To receive a cash bonus, you must:

Deposit at least $10,000 in a new ally invest account.

Be a U.S. Resident.

Not be an existing ally invest account holder or a former ally invest account holder (which includes former tradeking securities LLC account holders). You’re not eligible to receive the cash bonus if you closed one of these ally invest accounts within the past 90 days.

You must use the “open account” button associated with this offer on ally invest’s site for opening your account to be eligible for this offer.

Here are the bonus tiers for this offer:

To receive the $50 bonus, deposit or transfer $10,000-$24,999.

To receive the $200 bonus, deposit or transfer $25,000-$99,999.

To receive the $300 bonus, deposit or transfer $100,000-$249.999.

To receive the $600 bonus, deposit or transfer $250,000-$499,999.

To receive the $1,200 bonus, deposit or transfer $500,000-$999,999.

To receive the $2,500 bonus, deposit or transfer $1 million -$1,999,999.

To receive the $3,500 bonus, deposit or transfer $2 million or more.

Read bankrate’s ally invest review to learn more.

Merrill edge: $150, $225, $375 or $900 bonus

To receive a cash reward, you must:

Enroll for the offer at the time of account opening.

Deposit net new assets of at least $20,000 into your merrill edge account within 45 days of opening the account.

You must be enrolled in the preferred rewards program within 90 days of making the deposit.

Maintain that balance for at least 90 days.

The offer limits you to one IRA — rollover, traditional, roth and sole-proprietor SEP only — and one cash management account. Each account holder can’t have more than two enrolled accounts.

Assets from bank of america, merrill lynch, pierce, fenner & smith incorporated (MLPF&S), U.S. Trust, or 401(k) accounts administered by MLPF&S aren’t qualifying net new assets.

You’ll receive your cash reward two weeks after the initial 90-day period, assuming you meet eligibility requirements.

Here are the bonus tiers:

To receive the $150 cash reward, deposit $20,000 to $49,999.99.

To receive the $225 cash reward, deposit $50,000 to $99,999.99.

To receive the $375 cash reward, deposit $100,000 to $199,999.99.

To receive the $900 cash reward, deposit $200,000 or more.

If you’re not in the preferred rewards program, you can still use promo code 600ME to receive $100, $150, $250 and $600 with the same respective deposits as above.

Read bankrate’s merrill edge review to learn more.

Charles schwab: $100, $200, $300 or $500 (if you’re referred by a friend)

Schwab is offering personally referred friends the opportunity to earn up to $500 when they use a referral code, given to you by a current schwab customer, and open an eligible account at schwab.

To receive the bonus award, you must:

Receive a referral code from a friend or family member.

Be a new schwab client and make a qualifying net deposit within 45 days of both becoming a schwab customer and opening an eligible retail brokerage account.

You’re limited to one per account and only one account per client when you receive a referral.

You’ll receive your bonus approximately a week or two after the 45-day period ends if you made a qualifying deposit when becoming a new schwab customer and enrolling in the referral offer.

Schwab may charge back its bonus award if taxable accounts aren’t kept at schwab for at least one year.

Here are the bonus tiers for this offer:

To receive a $100 bonus, deposit $1,000-$24,999.

To receive a $200 bonus, deposit $25,000-$49,999.

To receive a $300 bonus, deposit $50,000-$99,999.

To receive a $500 bonus, deposit $100,000 or more.

Read bankrate’s charles schwab review to learn more.

TD ameritrade: $350, $700, $1,500 or $2,500 bonus

If you open a new individual, joint or IRA TD ameritrade account, you can earn up to a $2,500 bonus. This offer is available through june 30, 2021.

To receive a bonus, you must:

Fund the new account with a qualifying deposit of $250,000 or more within 60 calendar days of account opening.

(charles schwab has purchased TD ameritrade, and will eventually integrate the two companies.)

Here are the bonus tiers for this offer:

To receive a $350 bonus, deposit $250,000-$499,999.

To receive a $700 bonus, deposit $500,000-$999,999.

To receive a $1,500 bonus, deposit $1,000,000-$1,999,999.

To receive a $2,500 bonus, deposit $2,000,000 or more.

Read bankrate’s TD ameritrade review to learn more.

So, let's see, what was the most valuable thing of this article: A number of banks will pay you just for signing up for a savings or checking account or for referring a friend. If you follow their rules, you could walk away with hundreds of dollars. At bonus account