Open a new Varo Bank account via MyPoints, deposit and spend $25, and get 5,000 points. A solid, low-effort bonus for trying a digital bank.
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Reward: 5,000 MyPoints
Required Action: Open a new Varo Bank account via the MyPoints link, link an external bank, deposit at least $25, and spend $25 with the Varo debit card within 30 days.
Key Requirement: Must use the exact same email address for both your MyPoints and new Varo accounts.
Eligibility: Only for brand new Varo Bank customers. If you've ever downloaded the Varo app before, you won't qualify.
Open a new Ally Bank Spending Account via MyPoints, get a qualifying direct deposit, and earn 22,000 bonus points. A solid combo of a useful account and extra rewards.
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Bonus Amount: 22,000 MyPoints points
Required Action: Open a new Ally Bank Spending Account and receive one qualifying direct deposit
Key Deadline: Direct deposit must be received within 60 days of account approval
Credit Timeline: Points are manually credited within 45 days after the direct deposit is verified
The Department of Commerce FCU offers CDs with a low $500 minimum. Rates are competitive, and anyone nationwide can join via the American Consumer Council. Watch for early withdrawal penalties.
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Minimum Deposit: $500
Best Rate (as of review): 4.87% APY for 6-11 month term
Membership Requirement: Join the American Consumer Council (nationwide) or meet other eligibility criteria
Insurance: NCUA insured up to $250,000 per depositor
Workers Credit Union offers CDs with 4.75% APY on a 6-month term and 4.00% APY on a 24-month term, both with a $500 minimum. Membership is open nationwide via a free FFA membership.
DollarSavingsDirect offers a standout 5.00% APY on a 3-year CD with a $1,000 minimum. A solid option to lock in high yields, but know the details before you commit.
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Issuer: DollarSavingsDirect (a division of Emigrant Bank)
Flagstar Bank offers a 5.50% APY 7-month CD and a 5.15% APY 15-month CD with a $500 minimum. Nationwide availability, FDIC-insured. Check the details and apply today.
American Express offers a targeted 50,000 Membership Rewards points bonus for new business checking accounts. Requires a $10k deposit, maintaining that balance, and 5+ transactions. No monthly fees and a 1.30% APY.
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Monthly Fee$0
ExpirationExpired Mar 31, 2026
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Welcome Bonus: 50,000 Membership Rewards® points
Bonus Requirements: 1) Deposit $10,000+ within 30 days. 2) Maintain a $10,000 average balance for 60 days. 3) Make 5+ qualifying transactions within 60 days.
Annual Percentage Yield (APY): 1.30% on balances up to $500,000 (variable rate)
Navy Federal Credit Union offers a standout 4.70% APY on an 18-month CD with a $50 minimum. The unique perk? One penalty-free early withdrawal. But membership is limited to military community.
BrioDirect offers a 5.00% APY on a 12-month CD with a $500 minimum. It's FDIC insured, but rates have recently dropped. Here's what you need to know before locking in your cash.
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Issuing Bank: BrioDirect (a sub-brand of Webster Bank, N.A.)
North American Savings Bank offers competitive short-term CDs: 5.15% APY for 7 months and 5.25% APY for 13 months, with a $5,000 minimum. Nationwide availability online.
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Issuer: North American Savings Bank (NASB)
Best Rates: 5.15% APY (7-month term), 5.25% APY (13-month term)
AgFed Credit Union offers a 4.40% APY 12-month certificate and a 4.39% APY 29-month anniversary special. Both require a $250 minimum and easy membership via a $20 arboretum donation.
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12-Month Certificate APY: 4.40%
29-Month Anniversary Certificate Special APY: 4.39%
Fortera Credit Union offers fixed-rate share certificates (like CDs) with a $1,000 minimum. Rates are competitive, but membership has geographic eligibility rules. A good set-and-forget option if you qualify.
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Issuer: Fortera Credit Union
Account Type: Fixed-Rate Share Certificate (similar to a CD)
Minimum Deposit: $1,000
Term Lengths: 6, 12, 18, 24, 36, 48, and 60 months
Get up to $3,500 by parking $250k–$500k in a new Wells Fargo Premier account. No direct deposit needed, but you must visit a branch. Bonus posts after 90 days.
Bonus$500,000
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Monthly Fee$35
ExpirationExpired Jul 14, 2026
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Maximum Bonus: $2,500 with $250k deposit; $3,500 with $500k deposit
Availability: Nationwide, but branch visit required
Direct Deposit Required: None
Deposit Deadline: Within 45 days of account opening/upgrade
Eastern Bank offers up to $750 for opening checking and savings accounts. Must be a new customer in MA, NH, ME, or RI. Direct deposit or large savings balance required. Offer ends 11/17/25.
Sage Credit Union offers $250 for new checking accounts with a $500 direct deposit. No monthly fees, plus a Rewards Checking option with up to 7.00% APY on balances up to $10k. Offer ends 11/30/2026.
Earn $400 or $800 by opening a Truist business checking account. Just deposit and maintain the required balance. No monthly fees on Simple Checking. Expires March 24, 2027.
Bonus$10,000
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Monthly Fee$0
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Bonus Amount: $400 (deposit $2,500) or $800 (deposit $10,000)
Account Types: Simple Business Checking or Dynamic Business Checking
Minimum Opening Deposit: $100
Deposit Deadline: Within 30 days of account opening
Michigan First Credit Union offers a $100 referral bonus for new checking accounts (no direct deposit required) and a $100 CD bonus. Plus, a 10% rewards savings account on up to $5,000.
Bonus$5,000
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Maximum bonus: $100 (referral) + $100 (CD) + 10% savings on up to $5,000
Availability: Membership open to those who live, work, or worship in Michigan
Direct deposit required: Optional for checking bonus
Checking bonus requirements: Open new checking account, make 20 debit card purchases OR receive $500 in direct deposits within 60 days
Open a Hancock Whitney business checking account in branch, deposit $5k, keep it for 60 days, and earn $500. No monthly fees on Essential account. Offer ends 2/28/2027.
Bonus$5,000
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Bonus Amount: $500
Eligible Accounts: Essential Business Checking, Preferred Business Checking, Interest Business Checking
Promo Code: 2034SBCK26 (Business Checking Only) or 2034SBPO1 (Combo with Merchant Services)
Bonus Requirements: Deposit at least $5,000 within 30 days and maintain a minimum daily balance of $5,000 for 60 days
Citizens Bank offers up to $3,000 via monthly bonuses tied to direct deposits, fuel purchases, and savings balances. Spread over 12 months, it's a long commitment with strings attached.
Bonus$3,000
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Monthly Fee$9.99
ExpirationExpires Nov 15, 2026
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Maximum bonus: $3,000 ($1,200 checking + $1,800 savings)
Availability: CT, D.C., DE, FL, MA, MD, MI, NH, NJ, NY, OH, PA, RI, VT, VA
Direct deposit requirement: $1,000 or more per month for 12 months (checking bonus)
Fuel purchase requirement: Debit card purchases at gas stations (MCC 5541/5542) each month
HSBC Premier checking offers up to $3,000 for new customers who deposit $50k+ by Dec 31, 2026. It's a solid pick for expats—just watch the exchange rates.
Wisconsin residents can earn up to $2,800 with Johnson Financial Group: $300 for checking with direct deposit, plus up to $2,500 for savings deposits. In-branch only, with fee waiver options.
Bonus$2,500
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Monthly Fee$10
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Checking Bonus: $300
Savings Bonus Tiers: $250 for $10k+, $1,250 for $100k+, $2,500 for $250k+
Direct Deposit Requirement: $500+ per month within 90 days
Earn up to $2,500 with a new Bank of America business checking account. Deposit new money, maintain balance, and cash in. No direct deposit needed. Offer ends July 31, 2026.
Bonus$2,500
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Monthly Fee$16
ExpirationExpired Jul 31, 2026
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Bonus Amount: Up to $2,500
Minimum Deposit for Bonus: $5,000
Bonus Tiers: $400 for $5,000-$14,999; $700 for $15,000-$49,999; $1,000 for $50,000-$99,999; $1,500 for $100,000-$199,999; $2,500 for $200,000+
OceanFirst Bank offers up to $2,050 for new business checking accounts in NJ, NY, and PA. Earn $50 for opening, plus $200 or $2,000 based on your 3-month average balance. No monthly fees if you meet balance requirements.
Bonus$2,050
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Monthly Fee$15
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Maximum bonus: $2,050
Bonus tiers: $50 for opening; additional $200 with $10,000–$99,999.99 average balance; additional $2,000 with $100,000+ average balance
Minimum opening deposit: $100 for Community Business Checking; $5,000 for Commercial Checking
Monthly fee: $15 for Community Business Checking, waived with $5,000 minimum balance