Best Bank Signup Bonuses (April 2026)

Bank signup bonuses are the easiest free money out there. Most just require opening an account and setting up direct deposit — no fees, no minimum balance. Here are the best bank bonuses available right now.

How to Claim

Click the link below to open an account
Complete the signup (usually 5-10 minutes)
Set up direct deposit from your employer
Bonus is credited within 1-2 statement cycles

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SoFi Checking & Savings Easiest

Get $25 just for signing up.
Checking and savings account
4.20% interest on savings, 0.50% on checking balances
No monthly fees.

5 min signup, no deposit neededVerified 2026-03-10

Bonus$25

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Capital One 360 Checking Best value

Get a $250 bonus — one of the easiest to earn.
No-fee checking with 60,000+ fee-free ATMs
Get your paychecks 2 days early.

10 min signup, set up direct depositVerified 2026-03-10

Bonus$250

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← See all $7,630+ in bonuses

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Frequently Asked Questions

How do bank signup bonuses work?

Most bank bonuses require opening a free checking or savings account and setting up direct deposit (routing your paycheck to the new account). Once the direct deposit hits, the bonus is usually credited within 1-2 statement cycles.

Can I close the account after getting the bonus?

Most banks require you to keep the account open for 6-12 months. Check the bonus terms — closing too early may result in the bonus being clawed back.