Capital One has a targeted $400 bonus for new checking accounts. You'll need to use a specific promo code and receive two $500+ direct deposits within 75 days. Here's how to check eligibility and avoid pitfalls.
Bonus$400
Annual FeeNot listed
Monthly FeeNot listed
ExpirationExpires May 19, 2026
What to know
Bonus Amount: $400
Account to Open: Capital One 360 Checking
Promo Code Required: GET400
Key Requirement: Receive 2 qualifying direct deposits of $500+ each within 75 days of opening
Tucoemas Federal Credit Union offers a $400 bonus for opening a checking account and completing a free financial coaching program. Must be eligible for membership in Tulare County, CA.
Bonus$400
Annual FeeNot listed
Monthly FeeNot listed
ExpirationNot listed
What to know
Bonus Amount: $400
Required Account: Free Kasasa Checking Account
Key Requirement: Enroll & complete the Pathways financial coaching program
Program Duration: Active participation for at least 4 months
Wells Fargo offers $400 for opening an Everyday Checking account and receiving $1,000+ in direct deposits within 90 days. The $15 monthly fee is avoidable. Offer ends April 7, 2026.
Bonus$400
Annual FeeNot listed
Monthly FeeNot listed
ExpirationEnds in 3 days
What to know
Bonus Amount: $400
Account Required: New Wells Fargo Everyday Checking Account
Direct Deposit Requirement: $1,000 or more in qualifying deposits within 90 days of opening
Atlantic Union Bank offers a $400 bonus for opening a checking account with a $2,000 direct deposit requirement. Available in VA, MD, NC until March 31, 2026. Use promo code 4004U.
Bonus$400
Annual FeeNot listed
Monthly FeeNot listed
ExpirationExpired Feb 25, 2026
What to know
Bonus Amount: $400
Account Type: Personal Checking (Multiple eligible types)
Availability: Virginia, Maryland, North Carolina residents
Direct Deposit Requirement: $2,000+ within 90 days of opening
Equity Bank offers a $400 bonus for opening a checking and savings account in AR, KS, OK, or MO. Requires $1k in direct deposits and debit card use within 45 days. Offer ends March 31, 2026.
Bonus$400
Annual FeeNot listed
Monthly Fee$10
ExpirationExpired Feb 25, 2026
What to know
Bonus Amount: $400
Required Accounts: New Checking AND New Savings Account
Promo Code: GOLD (must be used when applying)
Direct Deposit Requirement: $1,000 in qualifying deposits within 45 days of opening
Get a $400 bonus for opening a Fifth Third checking account and making $500 in direct deposits within 90 days. Offer ends 1/7/26. Here's how to qualify and what to watch for.
Bonus$400
Annual FeeNot listed
Monthly Fee$0
ExpirationExpired Feb 25, 2026
What to know
Bonus Amount: $400
Account Type: Fifth Third Momentum® Checking or Preferred Checking
Direct Deposit Requirement: $500 or more within 90 days of opening
Penn Community Bank offers a $400 bonus for opening a checking account with two qualification paths: $1,500 in direct deposits or 20 debit card purchases. Must be a PA resident and keep account open 6+ months. Ends 12/31/25.
Citizens Bank offers a $400 bonus for opening a new checking account with a single $1,000 direct deposit. Available in 14 states and D.C. through 12/31/25. Here's how to get it and what to watch for.
Bonus$400
Annual FeeNot listed
Monthly Fee$9.99
ExpirationExpired Feb 25, 2026
What to know
Bonus Amount: $400
Account Type: First new personal checking account
Offer Period: Must open account between 10/1/2025 and 12/31/2025
Key Requirement: A single direct deposit of $1,000 or more within 60 days of opening
Pacific Service Credit Union offers two checking bonuses for California residents: $400 or $100. Both require a $500+ direct deposit and have specific eligibility rules. Here's how to navigate the offers.
Bonus$400
Annual FeeNot listed
Monthly Fee$0
ExpirationNot listed
What to know
Bonus Amounts: $400 (with promo code EARN400) or $100
Direct Deposit Requirement: $500 or more per month (must be payroll or government)
Bonus Payout Timing: Deposited by the 10th of the month following the qualifying direct deposit
Texas residents can earn $300 for personal checking or up to $400 for business checking with Broadway Bank. Both require specific activities within 90 days and have limited-time promo codes.
Iowa residents can earn a $400 bonus by opening a Maxx Checking account and meeting transaction requirements. The offer requires a recurring ACH transfer, not traditional direct deposit.
Florida-based Addition Financial is offering multiple bonuses: $100 for a new checking account, up to $400 for a youth savings account, and $50 for referrals. Offers have specific requirements and deadlines.
Bonus$400
Annual FeeNot listed
Monthly FeeNot listed
ExpirationExpired Dec 31, 2025
What to know
Checking Bonus Amount: $100 for Benefits Checking; $50 for Classic Checking
Savings Bonus Potential: Up to $400 per year (via 'Fun Bucks' program)
Referral Bonus: $50 for you, $100 for your referred friend
Primary Offer Deadline: December 31, 2025 (for checking/savings offers)
MIDFLORIDA Credit Union offers a $400 bonus for opening a Free Checking account. Requires $4k direct deposit, 40 debit purchases, and online enrollment within 75 days. Florida residents only.
Bonus$400
Annual FeeNot listed
Monthly Fee$0
ExpirationNot listed
What to know
Bonus Amount: $400
Account Type: Free Checking
Minimum to Open: $50
Key Requirement 1: Receive at least $4,000 in qualifying direct deposits
Indiana residents can earn a $400 checking bonus from Purdue Federal Credit Union by opening a new account and meeting direct deposit requirements. Offer valid through 12/31/25.
Bonus$400
Annual FeeNot listed
Monthly FeeNot listed
ExpirationExpired Dec 31, 2025
What to know
Bonus Amount: $400
Account Type: New Checking Account
Availability: Indiana residents (specific counties: Lake, Porter, or those eligible via LaPorte County)
Direct Deposit Requirement: Yes, $4,000+ in ACH deposits within 120 days of opening
Valley National Bank offers a $400 bonus for a new checking account, but requires $7,500 in direct deposits within 90 days. Available in select states. Here's what you need to know.
Bonus$400
Annual FeeNot listed
Monthly Fee$0
ExpirationNot listed
What to know
Bonus Amount: $400
Account Type: All Access Checking+
Availability: New York, New Jersey, Florida, Alabama, Pennsylvania
Direct Deposit Requirement: Two or more qualifying deposits totaling $7,500 within first 90 days
Independent Bank offers a $350 bonus for opening a new ONE checking account with a $500 direct deposit requirement. Available in MI & OH until March 2027. A straightforward, long-term offer.
Bonus$350
Annual FeeNot listed
Monthly Fee$0
ExpirationNot listed
What to know
Bonus Amount: $350
Account Type: ONE or Opportunity ONE Checking Account
Availability: Michigan and Ohio residents
Key Requirement: Receive direct deposits totaling $500+ within 90 days of opening
Colorado residents can earn a $350 bonus by opening a new Elevations Credit Union checking account, setting up direct deposit, and enrolling in online banking. Offer ends January 1, 2026.
Bonus$350
Annual FeeNot listed
Monthly FeeNot listed
ExpirationExpired Feb 26, 2026
What to know
Bonus Amount: $350
Offer Expires: January 1, 2026
Eligibility: New members who are Colorado residents. Not available to existing members.
Account Types: Foothills Free, Peak Perks, or Summit Dividend Checking. Forever Buffs checking does NOT qualify.
Tri City National Bank offers a $350 bonus for opening a checking account with direct deposit in Wisconsin. Must bring a mailer to a branch by Jan 31, 2025. Requires $500+ in qualifying deposits within 60 days.
Bonus$350
Annual FeeNot listed
Monthly FeeNot listed
ExpirationExpired Jan 31, 2025
What to know
Bonus Amount: $350
Account Type: Everyday Checking
Availability: Wisconsin residents only
Offer Expiry: Account must be opened by January 31, 2025
Get $325 for opening a Wells Fargo Everyday Checking account with qualifying direct deposits by April 14, 2026. Learn how to avoid the monthly fee and navigate the requirements.
Bonus$325
Annual FeeNot listed
Monthly FeeNot listed
ExpirationExpires Apr 14, 2026
What to know
Bonus Amount: $325
Account Required: Everyday Checking Account (new customers only)
Direct Deposit Requirement: $1,000+ in qualifying electronic deposits within 90 days of opening
Monthly Service Fee: $15 (can be waived multiple ways)
Union Savings Bank offers up to $304 for opening a checking account in Connecticut. Requires direct deposit and/or savings account funding. Ends April 30, 2026.
Bonus$304
Annual FeeNot listed
Monthly FeeNot listed
ExpirationExpires Apr 30, 2026
What to know
Maximum Bonus Amount: $304
Offer Expiry Date: April 30, 2026
Availability: Connecticut residents only
Bonus Credit Date: Between May 1 and July 31, 2026
USAA is offering a $300 bonus for opening a Classic Checking account with a $500+ direct deposit. No monthly fees, but membership eligibility is required. Offer ends June 16, 2026.
Bonus$300
Annual FeeNot listed
Monthly FeeNot listed
ExpirationExpires Jun 16, 2026
What to know
Bonus Amount: $300
Account Required: New USAA Classic Checking
Key Requirement: Single qualifying direct deposit of $500+ within 90 days of opening
Offer Deadline: Must apply by June 16, 2026, 11:59 PM CT
Utah Community Credit Union offers $300 for opening an Elevated Checking account and setting up a qualifying direct deposit. Must be a new member in eligible Utah counties.
Bonus$300
Annual FeeNot listed
Monthly Fee$6
ExpirationNot listed
What to know
Bonus Amount: $300
Required Account: Elevated Checking
Key Requirement: Set up a new direct deposit of $500+ per month
Monthly Fee: $6, but waived with direct deposit, 15+ card transactions, or $1,500+ average balance