Best Bank Promotions in Florida (December 2024)

Florida has a lot to offer residents, from warm weather to some of the world’s most beautiful beaches.

It also has competitive bank bonuses from dozens of the nation’s top banks and credit unions. We’ve compiled a list of the best bank promotions in Florida and provided all the details on how to apply and secure the promotions.

You can scroll through offers from local banks and credit unions and see our top picks from national banks that are available to Florida residents.

Here are 3 of our featured bank bonuses that can be obtained nationwide:

BMO

Smart Advantage Checking Account

Bonus
$300
Account Type
Personal Checking
Expires In
47 days
Requires
  • Direct Deposit
Full Details

SoFi

SoFi Checking and Savings

Bonus
up to $300
Account Type
Personal Checking
Expires In
13 days
Requires
  • Direct Deposit
Full Details

Upgrade

Rewards Checking Plus

Bonus
$200
Account Type
Personal Checking
Expires In
Limited Time
Requires
  • Card Spend
Full Details

 

See our list of the Best Banks in Florida

Personal Checking Bonuses in Florida

Here are the current personal checking promotions available in FL:

1. TD Bank Beyond Checking - $300 bonus

TD Bank is offering a $300 welcome bonus for opening a personal checking account and using direct deposit within the first 2 months. What's more, you can maximize this promo by also opening a new personal savings account — stacking an extra $200 on top of this offer for a total of $500.

If the $2,500 in direct deposit is too high, they're also running a smaller offer with only a $500 deposit requirement.

While this isn't available nationwide, it is open to a healthy list of states, and is no longer targeted to select customers.

If you're eligible, we definitely recommend claiming this easy bonus.

Offer is available in these states: CT, DC, DE, FL, MA, MD, ME, NC, NH, NJ, NY, PA, RI, SC, VA, VT

TD Bank : Beyond Checking

Bonus Amount
$300
Account Type
Personal Checking
Availability
CT, DC, DE, FL, MD, ME, MA, NC, NH, NJ, NY, PA, RI, SC, VT, VA
Offer Expires
January 1, 2025
Bonus Requirements
  1. Open a TD Beyond Checking account using the link below.
  2. Within 60 days, have a total of $2,500 in direct deposits.
  3. Bonus will be paid on or before 180 days after account opening.
Apply Now

at TD Bank

Full Offer Details

2. TD Bank Complete Checking - $200 bonus

TD Bank is offering a $200 welcome bonus for opening a personal checking account and using direct deposit within the first 2 months. What's more, you can maximize this promo by also opening a new personal savings account — stacking an extra $200 on top of this offer for a total of $400.

This is the highest we've seen this offer so now might be a great time to jump on it if you've been on the fence.

This is the smaller of 2 personal checking welcome offers that TD is currently running, with the other requiring a $2,500 direct deposit for a $300 bonus.

While this isn't available nationwide, it is open to a healthy list of states, and is no longer targeted to select customers.

If you're eligible, we definitely recommend claiming this easy bonus. Offer is available in these states: CT, DC, DE, FL, MA, MD, ME, NC, NH, NJ, NY, PA, RI, SC, VA, VT

TD Bank : Complete Checking

Bonus Amount
$200
Account Type
Personal Checking
Availability
CT, DC, DE, FL, MD, ME, MA, NC, NH, NJ, NY, PA, RI, SC, VT, VA
Offer Expires
January 1, 2025
Bonus Requirements
  1. Open a TD Complete Checking account using the link below.
  2. Within 60 days, have a total of $500 in direct deposits.
  3. Bonus will be paid on or before 180 days after account opening.
Apply Now

at TD Bank

Full Offer Details

3. BMO Smart Advantage Checking - $300 bonus

BMO is giving you 3 months to accumulate $4,000 in direct deposits to earn a $300 cash bonus for opening a new BMO Smart Advantage Checking Account or BMO Smart Money Checking Account.

This offer is available nationally if you open online, or in-branch if you live in a state within their brick-and-mortar footprint. What's even better? They're also offering a $5/month kicker on their Savings Builder account every month you save $200 or more, for the first year..

This reward has increased compared to the bonus they offered earlier this year, with the same requirements.

BMO : Smart Advantage Checking Account

Bonus Amount
$300
Account Type
Personal Checking
Availability
Nationwide
Offer Expires
February 3, 2025
Bonus Requirements
  1. Open a new BMO Smart Advantage Checking Account or BMO Smart Money Checking Account using the link below.
  2. Within 90 days, have a total of $4,000 in direct deposits.
  3. If qualifications are met, bonus is paid approximately 100 days after account opening.
  4. *Conditions apply. Accounts are subject to approval and available in the U.S. by BMO Bank N.A. Member FDIC
Learn More

at BMO

Full Offer Details

4. Truist One Checking - $400 bonus

Truist, has a very solid offer for a new One Checking account, and $100 more than when it was previously offered. Available mostly along the East Coast and Southern states with the ability to open online, Truist is offering a $400 welcome bonus when you open a new One checking account and set up direct deposit.

Truist Bank : Truist One Checking

Bonus Amount
$400
Account Type
Personal Checking
Availability
AL, AR, GA, FL, IN, KY, MD, MS, NC, NJ, OH, PA, SC, TN, TX, VA, WV, DC
Offer Expires
April 30, 2025
Bonus Requirements
  1. Open a new One Checking account online or in-branch using promo code AFL2425TR1400.
  2. Within 120 days of account opening, complete two qualifying direct deposits totaling $1000 or more.
  3. The reward will be deposited into the new checking account within 4 weeks of verifying the Direct Deposit qualification requirement.
  4. Terms Apply. Member FDIC.
Learn More

at Truist

Full Offer Details

5. Power Financial Credit Union Personal Checking - $100 bonus

Back for 2024, Power Financial Credit Union is offering Florida residents a $100 sign up bonus for opening a new checking account. It's not the biggest bonus we've seen, but considering you can opt to receive direct deposit or simply deposit $500 into the account, it's not a terrible deal.

They're also offering additional bonuses if you also open other accounts at the same time – like a loan, credit card, or mortgage – so be sure to check those out too if you're in the market.

Power Financial Credit Union : Personal Checking

Bonus Amount
$100
Account Type
Personal Checking
Availability
FL
Offer Expires
December 31, 2024
Bonus Requirements
  1. Open a new checking account using the link below.
  2. Deposit $500 at account opening OR receive a direct deposit.
  3. Bonus will be credited to your Power Financial CU account after meeting requirements.
Apply Now

at Power Financial Credit Union

Full Offer Details

6. Seacoast Personal Checking - $400 bonus

If you live in Florida, Seacoast Bank is offering a super easy welcome bonus for new Premium Checking customers. The account does come with a monthly fee, so be sure to check the requirements for waiving that, or factor the amount into your net calculations.

Also worth noting, this bonus comes with the exact same requirements as the checking bonus they've offered in the past, except that Seacoast Bank increased the offer by $50 this time around.

You can also earn another $200 on top of this bonus for opening a Seacoast Relationship Advantage Money Market account – $600 total!

Seacoast Bank : Personal Checking

Bonus Amount
$400
Account Type
Personal Checking
Availability
FL
Offer Expires
December 31, 2024
Bonus Requirements
  1. Open a new Seacoast Classic, Senior Classic, Premium or Premium Elite Checking account using the promo code CON600.
  2. Deposit $50 at account opening.
  3. Within 90 days, receive a direct deposit of $1,000 or more.
  4. Bonus will be credited within 95 days of account opening.
Apply Now

at Seacoast

Full Offer Details

7. Achieva Credit Union Personal Checking - $250 bonus

Available to Florida Residents, Achieva Credit Union is offering a $250 welcome bonus when you open a new personal checking account and set up direct deposit. The thresholds are pretty low which makes this offer rather enticing. If you are a student under the age of 18, you can instead qualify for one of their youth offers, which is rare.

Achieva Credit Union : Personal Checking

Bonus Amount
$250
Account Type
Personal Checking
Availability
FL
Offer Expires
December 31, 2024
Bonus Requirements
  1. Open a new Achieva Credit Union checking account.
  2. Within 90 days, complete 2 or more direct deposits of $500 each month.
  3. Bonus offer will be paid 90 days of meeting the minimum direct deposit requirement.
Apply Now

at Achieva Credit Union

Full Offer Details

8. Flagstar Bank Personal Checking - up to $350 bonus

Available in a decent number of states across the U.S., Flagstar Bank is offering up to a $350 welcome bonus when you open a new personal checking account and set up direct deposit. The total amount you can earn depends on which account you open: Ready Checking is eligible for up to $250 or Elite Checking for the full $350.

Flagstar Bank : Personal Checking

Bonus Amount
up to $350
Account Type
Personal Checking
Availability
AZ, CA, FL, IN, MI, NJ, NY, OH
Offer Expires
December 31, 2024
Bonus Requirements
  1. Open a Ready Checking or Elite Checking account with $50 or more.
  2. For the first 90 days, maintain an average daily balance of $500 or more.
  3. Within the same 90 days, set up one or more direct deposits totaling $500 or more.
  4. Bonus will be deposited into your account 91-104 days after an initial deposit is made to the new account.
Apply Now

at Flagstar Bank

Full Offer Details

9. TrustCo Bank Home Town Free Checking - $250 bonus

Available in select east coast states, TrustCo Bank is offering a $250 welcome bonus when you open a qualifying new Home Town Free Checking account and set up direct deposit. This year it's similar to their promotion last year, but they've more than doubled it AND are tossing in a FREE Ring doorbell as well! What's even more? You can stack this offer with their savings account bonus to earn a total of $200.

TrustCo Bank : Home Town Free Checking

Bonus Amount
$250
Account Type
Personal Checking
Availability
FL, MA, NJ, NY, VT
Offer Expires
December 31, 2024
Bonus Requirements
  1. Open a Home Town Free Checking Account.
  2. Within 60 days make a recurring direct deposit of at least $500
  3. Bonus will be paid within 60 calendar days.
Learn More

at TrustCo Bank

Full Offer Details

10. Santander Bank Personal Checking - $400 bonus

Available in select states with the ability to open online, Santander Bank is offering a $400 welcome bonus when you open a new eligible Santander checking account and set up direct deposit.

Keep in mind that you'll need to enter your information (name and email address) on the promo's landing page in order to receive your unique code, which you'll then use on the online application to enroll in the promotion.

A heads up to Florida residents that this promotion is limited to certain zips within Miami-Dade, Monroe, and Broward counties.

Santander Bank : Personal Checking

Bonus Amount
$400
Account Type
Personal Checking
Availability
CT, DE, FL, MA, NH, NJ, NY, PA, RI
Offer Expires
December 31, 2024
Bonus Requirements
  1. Open a new eligible Santander checking account using the link below.
  2. Within 90 days, make direct deposits totaling $5,000 or more.
  3. Keep your account open for at least 90 days.
  4. Bonus will be paid within 30 days of the initial 90 day period.
Learn More

at Santander Bank

Full Offer Details

11. PNC Virtual Wallet® - up to $400 bonus

Available in 23 states plus the District of Columbia, PNC is back with a competitive welcome bonus for opening a personal checking account online and meeting direct deposit requirements within the first 2 months.

This is a tiered offer with the entry level Virtual Wallet® offering $100, $200 for opening a Virtual Wallet® with Performance Spend or $400 for opening a Virtual Wallet® with Performance Select - all with qualifying direct deposit requirements.

Assuming you don't have an account with PNC (and haven't within the last 90 days), we definitely recommend grabbing this easy bonus.

PNC Bank : Virtual Wallet®

Bonus Amount
up to $400
Account Type
Personal Checking
Availability
AL, AZ, CA, CO, DC, DE, FL, GA, IL, IN, KY, MD, MI, NC, NJ, NY, NM, OH, PA, SC, TX, VA, WI, WV
Offer Expires
January 2, 2025
Bonus Requirements
  1. Open a Virtual Wallet® account online to qualify, See link below.
  2. Within 60 days, complete the direct deposit requirements for the account package that you opened: Virtual Wallet® - $500+ to earn $100 bonus, Virtual Wallet® with Performance Spend - $2,000+ to earn $200 bonus, or Virtual Wallet® with Performance Select - $5,000+ to earn $400 bonus.
  3. Bonus will be credited to your account within 60-90 days after meeting requirements.
Full Details

at PNC

Full Offer Details

12. Popular Bank Popular Everyday Checking - $300 bonus

Available in New York, New Jersey and South Florida, Popular Bank is offering a $300 welcome bonus when you open a new Everyday Checking account and set up direct deposit. They also want to see you be an active customer by using your debit card. The downer here is you must go in-branch to open your account.

What's even more? You can stack this offer with their savings account bonus to earn a total of $500.

Popular Bank : Popular Everyday Checking

Bonus Amount
$300
Account Type
Personal Checking
Availability
FL, NY, NJ
Offer Expires
January 25, 2025
Bonus Requirements
  1. Open a new Everyday Checking account.
  2. Within the first 90 days, complete at least 2 direct deposits totaling at least $1,000 and make 12 purchases with your debit card.
  3. Bonus will be deposited within 30 days of the 90 day qualification period ending.
Learn More

at Popular Bank

Full Offer Details

13. Popular Bank Popular Prestige Checking - $500 bonus

Available in New York, New Jersey and South Florida, Popular Bank is offering a $500 welcome bonus when you open a new Prestige Checking account and set up direct deposit. They also want to see you be an active customer by using your debit card. The downer here is you must go in-branch to open your account.

What's even more? You can stack this offer with their savings account bonus to earn a total of $700.

Popular Bank : Popular Prestige Checking

Bonus Amount
$500
Account Type
Personal Checking
Availability
FL, NY, NJ
Offer Expires
January 31, 2025
Bonus Requirements
  1. Open a new Prestige Checking account.
  2. Within the first 90 days, complete at least 2 direct deposits totaling at least $2,500 and make 12 purchases with your debit card.
  3. Bonus will be deposited within 30 days of the 90 day qualification period ending.
Learn More

at Popular Bank

Full Offer Details

14. Popular Bank Popular Easy Access Checking - $150 bonus

Available in New York, New Jersey and South Florida, Popular Bank is offering up to a $150 welcome bonus when you open a new Easy Access Checking account and set up direct deposit. They also want to see you be an active customer by using your debit card. The downer here is you must go in-branch to open your account.

What's even more? You can stack this offer with their savings account bonus to earn a total of $350.

Popular Bank : Popular Easy Access Checking

Bonus Amount
$150
Account Type
Personal Checking
Availability
FL, NY, NJ
Offer Expires
January 31, 2025
Bonus Requirements
  1. Open a new Easy Access Checking account.
  2. Within the first 90 days, complete at least 2 direct deposits totaling at least $500 and make 12 purchases with your debit card.
  3. Bonus will be deposited within 30 days of the 90 day qualification period ending.
Learn More

at Popular Bank

Full Offer Details

15. Wintrust Florida Total Access Checking - $300 bonus

Wintrust Florida is offering $300 when you open a new Total Access Checking account and establish a recurring direct deposit for 2 months.

You can also pair this with their Statement Savings welcome bonus, to put a total of $500 in your pocket.

Wintrust Florida : Total Access Checking

Bonus Amount
$300
Account Type
Personal Checking
Availability
FL
Offer Expires
January 31, 2025
Bonus Requirements
  1. Open a new Total Access Checking account using the link below.
  2. Enroll in online banking and activate e-statements.
  3. In the 2 calendar months following account opening, set up a recurring direct deposit totaling $500.
  4. Bonus will post to your new account within 30 days after the qualification period.
Apply Now

at Wintrust Florida

Full Offer Details

16. Suncoast Credit Union Smart Checking™ - $100 bonus

Available to Floridians, Suncoast Credit Union is offering a $200 welcome bonus when you open a new Smart Checking account and maintain a minimum balance. Don't worry though, the minimum balance is only $25, which makes this a very easy and attractive offer. What's even more? You can refer friends and family to join and receive additional referral bonuses worth up to $500 per year!

Suncoast Credit Union : Smart Checking™

Bonus Amount
$100
Account Type
Personal Checking
Availability
FL
Bonus Requirements
  1. Become a member of Suncoast Credit Union using the link below and open a new checking account at time of opening.
  2. Within 30 days of opening the account, fund the account with at least $25 minimum deposit.
  3. For 45 days, maintain a balance of at least $25.
  4. Bonus will be paid within 30 days of meeting the requirements.
Apply Now

at Suncoast Credit Union

Full Offer Details

17. Busey Bank Personal Checking - up to $300 bonus

Available primarily in select midwestern states, Busey Bank is offering up to a $300 welcome bonus when you open a new personal checking account and set up direct deposit. They want you to maintain an active account, so you'll also need to use your debit card as well.

This bonus is broken down into monthly installments of $50. You'll need to complete the requirements outlined each month in the first 6 months to receive the max bonus amount.

Busey Bank : Personal Checking

Bonus Amount
up to $300
Account Type
Personal Checking
Availability
FL, IL, IN, MO
Bonus Requirements
  1. Open a new Busey Pillar Banking or Foundation Checking account using promocode "BUSEY300".
  2. For each in the first 6 months that you complete the following, you'll earn $50: Set up and receive cumulative direct deposits totaling at least $1,000 into this account, activate and use your Busey Debit Mastercard at least 3 transactions per month, and enroll and remain enrolled in online banking with eStatements.
  3. Bonuses will be received within 10 business days of the preceding month after completing each of the qualifying activity requirements
Apply Now

at Busey Bank

Full Offer Details

18. VyStar Credit Union Free Checking - up to $425 bonus

Open to residents in select Florida and Georgia counties, VyStar Credit Union is offering up to $425 in bonuses, the first $25 just to open the account. Setup direct deposit and use your debit card to earn an additional $150.

As an added bonus, you can earn $25 for referring friends, up to 10 friends ($250 total).

VyStar Credit Union : Free Checking

Bonus Amount
up to $425
Account Type
Personal Checking
Availability
FL, GA
Bonus Requirements
  1. Become a member of VyStar Credit Union and open a new free checking account (must mention bonus offer), earn $25.
  2. Within 90 days, establish a recurring direct deposit and complete 15 debit card transactions, earn $150
  3. Refer a friend and receive an additional $25, up to 10 times.
  4. Bonuses will be credited on or around 1 business day following completion of activity.
Apply Now

at VyStar Credit Union

Full Offer Details

19. Community Credit Union of Florida Youth Checking - $10 bonus

Available in select Florida counties with the ability to open online, Community Credit Union of Florida is offering a $10 welcome bonus when you open new youth checking account.

Community Credit Union of Florida : Youth Checking

Bonus Amount
$10
Account Type
Student Checking
Availability
FL
Bonus Requirements
  1. Open a new youth checking account.
  2. Mention promo code MK-YOUTH10.
Apply Now

at Community Credit Union of Florida

Full Offer Details

20. Premier America Credit Union Smart Spending - $25 bonus

Available in California and Texas with the ability to open online, Premier America Credit Union is offering a $25 "Head Start" welcome bonus when you open a new Smart Spending account and set up direct deposit. We most recently saw PACU offer up $100 for the same requirements. May be worth holding out for a little while in case the old offer comes back.

Premier America Credit Union : Smart Spending

Bonus Amount
$25
Account Type
Personal Checking
Availability
CA, TX, AZ, NM, CO, PA, FL, OH, WV, DE, NJ, SC, NC, GA, KY, IN, MI, IL, MD, DC, WV, WI
Bonus Requirements
  1. Become a member of Premier America Credit Union and automatically setup a Smart Spending account.
  2. Within 45 days, make a recurring direct deposit into this account of at least $200.
Apply Now

at Premier America Credit Union

Full Offer Details

21. Regions LifeGreen Checking - $50 bonus

Available primarily in the Southeast with the ability to open online, Regions is offering a $50 bonus when you refer a friend to open a new personal checking account. What's even more? Your friend will also receive a $50 bonus.

Your friend can stack this offer with their checking account bonus to earn a total of $250.

Regions Bank : LifeGreen Checking

Bonus Amount
$50
Account Type
Personal Checking
Availability
AL, AR, FL, GA, IL, IN, IA, KY, LA, MS, MO, NC, SC, TN, TX
Bonus Requirements
  1. Have an existing Regions account.
  2. Refer a friend or family member using the link below and ensure they open a new account within 90 days.
  3. Within 60 days of opening the account, the person you referred must complete the following: 1) make at least 10 debit card purchases; 2) make a direct deposit of at least $300; and 3) enroll in eStatements.
  4. Bonus will be paid as a Rewards Card sent via mail within 120 days of all requirements being met.
Learn More

at Regions

Full Offer Details

22. Valley My Choice Teen Checking - $25 bonus

Valley National Bank is offering a $25 sign up bonus to teens ages 13-16 who sign up for a new My Choice Teen Checking account with a debit card. You'll need to visit a local branch with your parent or guardian, but the requirements are otherwise just as simple as they sound!

Valley Bank : Valley My Choice Teen Checking

Bonus Amount
$25
Account Type
Personal Checking
Availability
AL, FL, NJ, NY
Bonus Requirements
  1. Open a new My Choice Teen Checking account at a local branch.
  2. Sign up for a debit card.
  3. Bonus will be credited to your new account within 90 days from meeting the requirement.
Apply Now

at Valley

Full Offer Details

23. Community Credit Union of Florida Personal Checking - $125 bonus

Available in select Florida counties with the ability to open online, Community Credit Union of Florida is offering school employees a $125 welcome bonus when you open any new checking accounts and use your debit card.

Community Credit Union of Florida : Personal Checking

Bonus Amount
$125
Account Type
Personal Checking
Availability
FL
Bonus Requirements
  1. Open a personal checking account.
  2. Download the free CCU Mobile App.
  3. Within 60 days, enroll in eStatements.
  4. Also, within 60 days, use your debit card 20 times to make purchases or payments.
Apply Now

at Community Credit Union of Florida

Full Offer Details

24. Community Credit Union of Florida Personal Checking - $100 bonus

Available in select Florida counties with the ability to open online, Community Credit Union of Florida is offering a $100 welcome bonus when you open select new checking accounts and use your debit card.

Community Credit Union of Florida : Personal Checking

Bonus Amount
$100
Account Type
Personal Checking
Availability
FL
Bonus Requirements
  1. Open a personal checking account.
  2. Download the free CCU Mobile App.
  3. Within 60 days, enroll in eStatements.
  4. Also, within 60 days, use your debit card 20 times to make purchases or payments.
Apply Now

at Community Credit Union of Florida

Full Offer Details

25. First Citrus Bank Personal and Business Checking - $100 bonus

Available only in Florida, First Citrus Bank is offering a $100 referral bonus when you refer a friend using your personalized link.

What's even more? The friend you refer will also earn $100 open a new checking account as long as they keep the account open for at least 6 months

First Citrus Bank : Personal and Business Checking

Bonus Amount
$100
Account Type
Personal Checking
Availability
FL
Bonus Requirements
  1. Be an existing client at First Citrus Bank.
  2. Receive your personalized referral link using our link below.
  3. Refer friends to open a new personal or business checking account.
  4. Bonus will be deposited within 60 days of your friend establishing a new checking account.
Learn More

at First Citrus Bank

Full Offer Details

26. Florida Credit Union Personal Checking - $300 bonus

Florida Credit Union is giving new members $300 when they open any checking account.

Both checking options are free; however, one offers interest and the other does not.

Florida Credit Union : Personal Checking

Bonus Amount
$300
Account Type
Personal Checking
Availability
FL
Bonus Requirements
  1. Open a free personal checking account with promo code 23CHK300.
  2. Within 60 days, complete direct deposits totaling $500 or more.
  3. Keep account open for at least 90 days.
Apply Now

at Florida Credit Union

Full Offer Details

27. Valley All Access Checking+ - $400 bonus

Valley National Bank is offering a bonus of $400 to customers who open an All Access Checking+ account and setup direct deposit. Previously, they offered a bonus in monthly installments that was strung out over the whole year. This time around, the bonus is nearly double, but it requires a hefty direct deposit.

Valley Bank : Valley All Access Checking+

Bonus Amount
$400
Account Type
Personal Checking
Availability
AL, FL, NJ, NY
Bonus Requirements
  1. Open a new All Access Checking+ account using the link below.
  2. Within 90 days, receive two or more qualifying direct deposits with a cumulative total of $7,500 or more.
  3. The bonus will be credited within 30 days of meeting the requirement.
Apply Now

at Valley

Full Offer Details

28. Valley My Choice - up to $150 bonus

Valley National Bank is offering young adults ages 17 to 25 up to $150 for opening a new Valley My Choice checking account.

The bonus breaks down into two $75 rewards. The first is earned just by opening the account and enrolling in mobile banking and paperless statements (super easy!). For the second $75, you have your choice between debit card purchases or online bill payments. Either way, this is a really easy bonus for teens and young adults.

Valley Bank : Valley My Choice

Bonus Amount
up to $150
Account Type
Student Checking
Availability
AL, FL, NJ, NY
Bonus Requirements
  1. Open a new Valley My Choice checking account using the link below.
  2. Within 60 days, activate mobile banking and enroll in paperless statements to earn $75.
  3. Within the same 60 days, optionally complete 1 of the following 2 requirements to earn an additional $75: (1) make 20 debit card purchases of $5 or more each, OR (2) complete 3 online bill payments.
  4. Bonus(es) will be credited to your account within 90 days of account opening.
Apply Now

at Valley

Full Offer Details

29. BrightStar Credit Union Free Checking - $100 bonus

Brightstar Credit Union is offering a fairly easy $100 bonus to new members who open a Free Checking Account.

All they ask is that you maintain an active account by completing 4 transaction each month, but let you decide what those transactions will be.

With that said, they do require a fairly lengthy commitment of 7 months, plus an extra month for account review, before receiving your bonus.

BrightStar Credit Union : Free Checking Account

Bonus Amount
$100
Account Type
Personal Checking
Availability
FL
Bonus Requirements
  1. Open a new free checking account using the link below.
  2. Enroll in eStatements.
  3. Complete at least 4 transactions (such as direct deposits, writing checks, debit spend, etc) per month for 7 months.
  4. Bonus will deposit 4-6 weeks after the end of the 7th month.
Apply Now

at BrightStar Credit Union

Full Offer Details

30. Achieva Credit Union Teen and College Life Checking - up to $100 bonus

Achieva Credit Union offers recent high school and college grads a graduation bonus. Just open a Teen Life or College Life checking account, bring your diploma into a local branch and you'll get up to $100: $50 for high school graduates and $100 for college (2 or 4 year!).

Achieva Credit Union : Teen and College Life Checking

Bonus Amount
up to $100
Account Type
Student Checking
Availability
FL
Bonus Requirements
  1. Open a Teen Life or College Life checking account.
  2. Within 90 days of graduating, bring your diploma to a local branch.
  3. High school graduates will earn a $50 gift and college graduates will earn $100.
Apply Now

at Achieva Credit Union

Full Offer Details

31. Achieva Credit Union Teen Life Checking - $25 bonus

Achieva Credit Union offers teen members an honor roll bonus. Just open a Teen Life checking account, bring your report card or honor roll certificate into a local branch as proof of straight A's and you'll get a $25 bonus.

Achieva Credit Union : Teen Life Checking

Bonus Amount
$25
Account Type
Student Checking
Availability
FL
Bonus Requirements
  1. Open a Teen Life checking account.
  2. Within 90 days of receiving your report card, bring your straight A's or honor roll certificate to a local branch.
Apply Now

at Achieva Credit Union

Full Offer Details

32. MidFlorida Credit Union Personal Checking - $200 bonus

MidFlorida Credit Union is offering new members $200 for opening a personal checking account and setting up direct deposit.

MidFlorida Credit Union : Personal Checking Account

Bonus Amount
$200
Account Type
Personal Checking
Availability
FL
Bonus Requirements
  1. Open a new personal checking account using the link below.
  2. Within 60 days, receive $500 in direct deposits.
  3. Enroll in online banking and eStatement to receive paperless statements.
  4. Within one calendar month, make 5 debit card purchases.
  5. Bonus will be deposited into your new account once requirements are met.
Apply Now

at MidFlorida Credit Union

Full Offer Details

33. MidFlorida Credit Union Absolutely Free Student Checking - $50 bonus

A small but super easy bonus to earn: $50 from MidFlorida Credit Union to students opening a new Absolutely Free Student Checking account. You just have to use your debit card 5 times within the first 60 days, and the extra cash will be automatically deposited into your account. This is double what the offer previously was....Nice!

MidFlorida Credit Union : Absolutely Free Student Checking

Bonus Amount
$50
Account Type
Student Checking
Availability
FL
Bonus Requirements
  1. Open a new free student checking account using the link below.
  2. Within 60 days, accept and open online banking, eStatement and a debit card.
  3. During the same time period, use your debit card for 5 purchases.
  4. Bonus will be deposited into your account on the 61st day after account opening.
Apply Now

at MidFlorida Credit Union

Full Offer Details

34. SouthState Bank Personal Checking - $200 bonus

SouthState Bank is offering residents in select Southeast states (Alabama, Florida, Georgia, North Carolina, South Carolina and Virginia) $200 for opening a new personal checking account. The bonus requirements are low, the maintenance fees are easily waived, and the account can be opened online. It's a no brainer if you qualify!

SouthState Bank : Personal Checking Account

Bonus Amount
$200
Account Type
Personal Checking
Availability
GA, NC, SC, VA, FL, AL
Bonus Requirements
  1. Open any personal checking account using the promo code EARN200.
  2. Within 60 days, have a total of $250 in direct deposits OR have at least 1 automatic/pre-authorized draft of $25 to a non-SouthState Bank account.
  3. Within 60 days, also make 15 debit card purchases.
  4. Bonus will be credited to your account within 2 business days of the completion of the 60 day qualifying period.
Apply Now

at SouthState Bank

Full Offer Details

Note: Don’t see an offer that piques your interest? You can use our tool to explore a full list of bank promotions

Personal Savings Bonuses in Florida

Here are the current personal savings promotions available in FL:

1. TD Bank Personal Savings - $200 bonus

TD Bank is offering a $200 welcome bonus if you open a new savings account. It works out to effectively be an interest rate of about 4%.

What's more, you can maximize this promo by also opening a new personal checking account — stacking an extra $300 or $150 on top of this offer for a total of up to $500.

While this isn't available nationwide, it is open to a healthy list of states, and is no longer targeted to select customers.

TD Bank : Personal Savings Account

Bonus Amount
$200
Account Type
Personal Savings
Availability
CT, DC, DE, FL, MD, ME, MA, NC, NH, NJ, NY, PA, RI, SC, VT, VA
Offer Expires
December 31, 2024
Bonus Requirements
  1. Open a TD Savings account using the link below.
  2. Within 20 days, deposit $20,000 and maintain that balance for 90 days.
  3. Bonus will be paid on or before 180 days after account opening.
Apply Now

at TD Bank

Full Offer Details

2. Seacoast Savings - $200 bonus

If you live in Florida, Seacoast Bank is offering an easy welcome bonus for new Seacoast Savings customers. The account does come with a monthly fee, but meeting the requirements for this bonus will waive it.

You can also earn another $400 on top of this bonus for opening a Seacoast Checking account – $600 total!

Seacoast Bank : Savings Account

Bonus Amount
$200
Account Type
Personal Savings
Availability
FL
Offer Expires
December 31, 2024
Bonus Requirements
  1. Open a new eligible Seacoast money market or savings account using the promo code CON600.
  2. Within 10 business days, deposit $15,000 in new money and maintain that balance for 90 days.
  3. Bonus will be credited within 95 days of account opening.
Apply Now

at Seacoast

Full Offer Details

3. TrustCo Bank Home Town Savings - $100 bonus

Available in select east coast states, TrustCo Bank is offering a $100 welcome bonus when you open a Hometown Savings account. Slightly different from their promotion last year, they've doubled the minimum opening balance requirement. What's even more? You can stack this offer with their checking account bonus to earn a total of $350 + a ring doorbell.

TrustCo Bank : Home Town Savings

Bonus Amount
$100
Account Type
Personal Savings
Availability
FL, MA, NJ, NY, VT
Offer Expires
December 31, 2024
Bonus Requirements
  1. Open a new Home Town Savings account with a minimum of $10,000 in new money.
  2. For 90 days, maintain a minimum balance of $10,000
  3. Bonuses will be paid within 60 calendar days.
Learn More

at TrustCo Bank

Full Offer Details

4. Wintrust Florida Statement Savings - $200 bonus

Wintrust Florida, a Wintrust Community Bank, is offering $200 when you open a new Total Savings account and deposit $15,000 in new money, which represents about a 4% effective interest rate on your savings.

You can also pair this with their Total Access Checking welcome bonus, to put a total of $500 in your pocket.

Wintrust Florida : Statement Savings

Bonus Amount
$200
Account Type
Personal Savings
Availability
FL
Offer Expires
January 31, 2025
Bonus Requirements
  1. Open a new Statement Savings account using the link below.
  2. Within the same month of account opening, deposit $15,000 in new money.
  3. Maintain the $15,000 balance for the three months after the initial month the account is opened.
  4. Bonus will post to your new account within 30 days after the qualification period.
Apply Now

at Wintrust Florida

Full Offer Details

5. Popular Bank Popular Savings - $200 bonus

Available in New York, New Jersey and South Florida, Popular Bank is offering a $200 welcome bonus when you open a new Popular Savings account and maintain a minimum balance. It's a pretty straightforward bonus if you have the cash.

What's even more? You can stack this offer with their checking account bonus to earn up to a total of $700.

Popular Bank : Popular Savings

Bonus Amount
$200
Account Type
Personal Savings
Availability
FL, NY, NJ
Offer Expires
January 31, 2025
Bonus Requirements
  1. Open a new Popular Savings account.
  2. Within 30 days, deposit a minimum of $8,000 in new money, and keep a $8,000 average monthly balance for two statement cycles.
  3. Bonus will be deposited into the new Popular Savings account within 30 days after the qualification requirements have been met and verified.
Learn More

at Popular Bank

Full Offer Details

6. Addition Financial Fun Bucks Savings - up to $400 bonus

Addition Financial wants to help children learn to save by rewarding them when they do. The credit union is offering cash back in the form of "Fun Bucks" each quarter that the child deposits at least $10. This is a bonus dividend on top of the regular APY.

The catch, however, is that you'll forfeit these Fun Bucks by making any withdrawals, except during the full calendar year when the youth member is 12, 15 or 18 years old.

Addition Financial Credit Union : Fun Bucks Savings

Bonus Amount
up to $400
Account Type
Student Savings
Availability
FL
Bonus Requirements
  1. Open a regular youth savings account in-branch.
  2. Establish a Fun Savings account.
  3. Each quarter, deposit at least $10 to earn 2% APY cash back, up to $100.
  4. The bonus – or "Fun Bucks" – will automatically post to the Fun Bucks account on the last day of each quarter.
Apply Now

at Addition Financial

Full Offer Details

7. BMO Savings Builder - up to $60 bonus

$5 extra each month just for putting money into my own savings account? OKAY. BMO is offering a total of $60 (5 bucks a month for a maximum of 12 months) as a savings-incentive bonus if you open a new Savings Builder account.

Pro tip: maximize your bonus by also taking advantage of either of the personal checking account welcome bonuses they're offering.

BMO : Savings Builder

Bonus Amount
up to $60
Account Type
Personal Savings
Availability
Nationwide
Bonus Requirements
  1. Open a new Savings Builder account using the link below.
  2. Earn an extra $5 for every month you deposit at least $200 into the account, for up to 12 months.
Apply Now

at BMO

Full Offer Details

Business Bonuses in Florida

Here are the current business banking promotions available in FL:

1. Seacoast Business Checking - $600 bonus

Back for 2024, Seacoast Bank is offering small business owners $600 cash to open a Business Checking or Business Checking Plus account. Users used to have the option to go for $600 or $250; however, this iteration is just $600. To earn $600 you'll need to deposit $10,000+, maintain it for 90 days and also making 15 qualifying electronic transactions.

Premium Business accounts are also now eligible. If you'd like to try for a $200 bonus which requires less deposits, visit: https://www.seacoastbank.com/business-checking-bonus

Seacoast Bank : Business Checking

Bonus Amount
$600
Account Type
Business Checking
Availability
FL
Offer Expires
December 31, 2024
Bonus Requirements
  1. Open a new Seacoast Business Checking, Business Checking Plus, Premium Business or Commercial Checking account using the link below. If prompted, use promo code BIZ600
  2. Within 15 days, deposit $10,000 and maintain at least an average daily balance of $10,000 for the first 90 days.
  3. During the first 90 days also make 15 qualifying electronic transactions .
  4. Bonus will be credited to your account within 95 days of setting up the account.
Apply Now

at Seacoast

Full Offer Details

2. Santander Bank Business Checking - up to $500 bonus

Santander Bank is again offering new business checking account customers a bonus for opening a new Business Checking or Business Checking Plus account. Previously this was a tiered bonus with the more you deposited, the more you could earn; however, it's a flat offer this time around.

Like before, the balance requirement is based on an average daily balance. That means you don't necessarily need to deposit $2,500 on day one, but the longer you wait to make a deposit, the higher the deposit needs to be in order to average out. They provide more details in the fine print!

Keep in mind that, like most business accounts, you'll need to go in-branch to open. Be sure to mention the promo BUS500Q124SEA to enroll in the offer.

Santander Bank : Business Checking

Bonus Amount
up to $500
Account Type
Business Checking
Availability
CT, DE, FL, MA, NH, NJ, NY, PA, RI
Offer Expires
December 31, 2024
Bonus Requirements
  1. Open a new Business Checking or Business Checking Plus account using the promo code BUS500Q324GEN.
  2. For 90 days, maintain an average daily balance of $5,000.
  3. Keep your account open for at least 90 days.
  4. Bonus will be paid within 30 days of the meeting the requirements.
Apply Now

at Santander Bank

Full Offer Details

3. Republic Bank & Trust Company Business Checking - $200 bonus

Available in select southern and midwestern states, Republic Bank is offering a $200 bonus to new business accounts that complete a selection of activities within the first 3 statement cycles. Unlike many offers, Republic lets YOU decide which activities you want to complete from an approved list. If you can knock this out, it's and easy bonus to earn.

Republic Bank & Trust Company : Business Checking

Bonus Amount
$200
Account Type
Business Checking
Availability
FL, IN, KY, OH, TN
Offer Expires
December 31, 2024
Bonus Requirements
  1. Be a new customer and open a new business checking account with promo code MKT.
  2. Within 3 statement cycles, complete a combination of 5 or more of the following activities: Direct deposit (an ACH credit ) of at least $100, a Bill Pay Debit of at least $25, a Point-of-Sale (POS) Debit of at least $10 or an ACH Debit of at least $25.
  3. Bonus will be paid on the first business day of the statement cycle following the statement cycle which the qualifying activities were completed.
Apply Now

at Republic Bank & Trust Company

Full Offer Details

4. First Horizon Bank Business Checking - up to $800 bonus

Available primarily in the SouthEast, First Horizon Bank is offering up to an $800 welcome bonus when you open a new business checking account and make deposits. This is a tiered offer, so the more you can deposit, the higher your potential bonus.

First Horizon Bank : Business Checking

Bonus Amount
up to $800
Account Type
Business Checking
Availability
AL, AR, FL, GA, KY, LA, MS, NC, NY, SC, TX, TN, NC, VA
Offer Expires
December 31, 2024
Bonus Requirements
  1. Open a new BizEssentials Checking account.
  2. Within 15 days of the account opening, deposit at least $5,000 to earn $400 or $25,000 to earn the full $800.
  3. Maintain those minimum collected daily balance for the first 3 full statement cycles.
  4. Conduct 20 qualifying transactions within the first 3 full statement cycles.
  5. Bonus will be deposited within 10 business days after qualifying activities are met.
Apply Now

at First Horizon Bank

Full Offer Details

5. Citi® Business Checking - up to $2000 bonus

CitiBusiness if offering up to $2,000 when you open a new business checking account in-branch and make a minimum deposit within 30 days.

This is a tiered offer, where the more you deposit the more you earn (starting at a $300 bonus for $5,000, up to the full $2,000 for depositing a cumulative $200,000).

If you have the cash and live close to a physical branch, this is a solid welcome bonus. The lowest tier represents a 12% effective rate on your savings – not bad!

Branches currently located in the following metropolitan areas: Los Angeles (CA), Orange County (CA), Riverside (CA), San Diego (CA), San Francisco (CA), Miami (FL), Chicago (IL), Baltimore (MD), Las Vegas (NV), New York City (NY), and Washington, DC.

Citi® : Business Checking Account

Bonus Amount
up to $2000
Account Type
Business Checking
Availability
CA, FL, IL, MD, NV, NY, DC
Offer Expires
January 7, 2025
Bonus Requirements
  1. Open a new Citibank business checking account in-branch and ask to be enrolled in this offer.
  2. Within 45 days, deposit $5,000 to earn $300, $20,000 to earn $750, $100,000 to earn $1,500, or $200,000 to earn $2,000.
  3. Starting Day 46, Maintain that balance for 45 consecutive days.
Learn More

at Citi®

Full Offer Details

6. Truist Business Checking - $400 bonus

Truist Bank is offering small business owners one of the easiest business checking account bonuses we've seen to date: $400 for depositing $1,500 into your new account. (Well, you'll also have to enroll and sign-in to online banking, but we don't really consider that as much of a hurdle...). This is up from $300 when it was most recently offered.

The Truist Simple Business Checking account has no monthly fee and comes with 50 free transactions each month – in other words, it's perfect for a small business just starting out. If your company has surpassed these thresholds, Truist offers their Dynamic Business Checking account. That one comes with higher limits, but does have a small (and avoidable) maintenance fee.

Keep in mind that you'll have 30 days to complete both requirements, and that your new account will need to remain open for 6 months in order to avoid forfeiting the bonus.

Truist Bank : Business Checking

Bonus Amount
$400
Account Type
Business Checking
Availability
AL, AR, GA, FL, IN, KY, MD, MS, NC, NJ, OH, PA, SC, TN, TX, VA, WV, DC
Offer Expires
March 31, 2025
Bonus Requirements
  1. Open a new Truist business checking account using the promo code SB24Q4BIZAFL.
  2. Within 30 days, deposit $2,000.
  3. During the same 30 days, enroll in online banking and log-in.
  4. Bonus will be credited to your new account within 4 weeks of meeting requirements.
Apply Now

at Truist

Full Offer Details

7. MidFlorida Credit Union Free Business Checking - $300 bonus

MidFlorida Credit Union is offering small business owners a $300 incentive for opening a new Free Business checking account. Bonus? You can also combine this offer with their promotion for personal checking accounts, for a total of $500!

MidFlorida Credit Union : Free Business Checking

Bonus Amount
$300
Account Type
Business Checking
Availability
FL
Bonus Requirements
  1. Find your nearest MidFlorida Credit Union branch and open a new business checking account.
  2. Within 45 days, enroll in eStatements, eNotice, online banking, and a debit card.
  3. In 2 of the first 6 months, make deposits totaling $5,000 each month (so a total of $10,000).
  4. Bonus will be deposited into your new account once requirements are met.
Learn More

at MidFlorida Credit Union

Full Offer Details

8. Regions Business Checking - $150 bonus

Available primarily in the Southeast, Regions is offering a $150 bonus when you refer a friend to open a new business checking account. What's even more? Your friend will also receive a $150 bonus.

Regions Bank : Business Checking

Bonus Amount
$150
Account Type
Business Checking
Availability
AL, AR, FL, GA, IL, IN, IA, KY, LA, MS, MO, NC, SC, TN, TX
Bonus Requirements
  1. Have an existing Regions account.
  2. Refer a friend or family member using the link below and ensure they open a new account within 90 days with an opening deposit of at least $500.
  3. Within 60 days of opening the account, the person you referred must make at least one Visa Business CheckCard purchase and enroll in eStatements.
  4. Bonus will be paid as a Rewards Card sent via mail within 120 days of all requirements being met.
Learn More

at Regions

Full Offer Details

9. BankPlus Business Checking - up to $100 bonus

Available to businesses in Mississippi and around the gulf of Alabama and Louisiana and Florida, BankPluss is offering up to a $100 bonus just for using your new debit card. This is a rare business banking bonus that doesn't require a minimum balance.

BankPlus : Business Checking

Bonus Amount
up to $100
Account Type
Business Checking
Availability
AL, FL, MS
Bonus Requirements
  1. Open a new business checking account with BankPlus.
  2. In the month of account opening, make 2 debit card purchases using your BankPlus Business Visa® debit card, earn $25.
  3. In the second month, make 8 debit card purchases using your BankPlus Business Visa® debit card, earn $75.
  4. $25 bonus and $75 bonus will be credited to the account at end of statement cycle in which transactions were posted and cleared.
Apply Now

at BankPlus

Full Offer Details

10. First Federal Bank Business Checking - up to $400 bonus

Available in a small portion of Florida, First Federal Bank is offering up to a $400 welcome bonus when you open a new business checking account and deposit new money. This is a tiered offer, the more you can deposit, the more you can earn.

One very important thing to note is that only the first 50 businesses that qualify for the offer will be awarded the bonus. We'd suggest acting fast if you're in their footprint.

First Federal Bank : Business Checking

Bonus Amount
up to $400
Account Type
Business Checking
Availability
FL
Bonus Requirements
  1. Open a new business checking account and deposit new money as follows: at least $10,000 to earn $400 or at least $5,000 to earn $200.
  2. Maintain the minimum balance needed for your selected bonus tier for at least 60 days.
  3. Once the criterion is met, the bonus will be credited to the new account no later than 120 days from the open date.
Apply Now

at First Federal Bank

Full Offer Details

11. SouthState Bank Business Checking - $400 bonus

Available primarily in the SouthEast, SouthState Bank is offering a $400 welcome bonus when you open a new business checking account and complete qualifying activities. Don't worry, they're not egregious! You'll have your choice of making debit card purchases or ACH deposits.

This is a very easy bonus to earn, and we haven't seen a business bonus from SouthState before, so we'd recommend jumping on this if you're in the market.

What's more? SouthState regularly offers a $200 personal checking bonus as well so you can open up both and earn some solid cash!

SouthState Bank : Business Checking

Bonus Amount
$400
Account Type
Business Checking
Availability
AL, FL, GA, NC, SC, VA
Bonus Requirements
  1. Open a new business checking account from SouthState (they have 6 eligible accounts!) using promo code SB400.
  2. Within 90 calendar days, make 15 or more posted and cleared debit card purchases OR make at least $5,000 ACH credits to the account.
  3. Bonus will be paid within 2 business days of the completion of the 90 calendar day qualifying period.
Learn More

at SouthState Bank

Full Offer Details

See our full list of the Best Business Checking Account Promotions

Investing Bonuses

Here are the current investing promotions available in your area:

1. J.P. Morgan Self-Directed Investing - up to $700 bonus

Available nationwide with the ability to open online, J.P. Morgan Wealth Management is offering up to a $700 welcome bonus when you open a new Self-Directed Investing account with qualifying minimum funding.

This is tiered bonus, meaning that the more you deposit, the more you may be eligible to earn. New for this iteration, J.P. Morgan has introduced a lower tier at $5,000, down from the previous $25,000 entry point and raised the max bonus amount!

Here are all 4 tiers of this investing bonus:

New Money Added Bonus Amount
$5,000-$24,999 $50
$25,000-$99,999 $150
$100,000-$249,999 $325
$250,000+ $700

This is the highest offer that we've seen to-date from J.P. Morgan.

J.P. Morgan Wealth Management : Self-Directed Investing

Bonus Amount
up to $700
Account Type
Investment
Availability
Nationwide
Offer Expires
January 23, 2025
Bonus Requirements
  1. Open a J.P. Morgan Self-Directed Investing account using the link below.
  2. Within 45 days, fund your account with qualifying new money; $5,000 - $24,999 = $50 bonus; $25,000 - $99,999 = $150 bonus; $100,000 - $249,999 = $325 bonus, $250,000 = $700 bonus.
  3. Your bonus amount will be determined on day 45.
  4. Maintain your new funds for 90 days (losses due to trading or market fluctuation will not be taken into account).
  5. Bonus will be received within 15 days.
  6. INVESTMENT AND INSURANCE PRODUCTS ARE: NOT A DEPOSIT • NOT FDIC INSURED • NO BANK GUARANTEE • MAY LOSE VALUE
Apply Now

at J.P. Morgan

Full Offer Details

2. E*TRADE Bank Brokerage - up to $6000 bonus

Payouts have increased again! E*Trade is now offering new investors up to $6,000 in bonus cash when you open and fund a new investing account. You'll only need $1,000 to earn the first tier bonus ($100)!

They've shuffled all the previous tiers and reinstated the tiers for those with 7+ figures to invest. If you're wanting to earn the full $6,000, you need at least $2M in investable assets.

This offer is available to both new and existing customers; however, different rules may apply, so be sure to check the disclosures at the link below.

E*TRADE Bank : Brokerage Account

Bonus Amount
up to $6000
Account Type
Investment
Availability
Nationwide
Offer Expires
January 31, 2025
Bonus Requirements
  1. Open a new eligible E*TRADE brokerage or retirement account using the link below with promocode REWARD24.
  2. During the first 60 days, fund your new account with new money as follows: $1,000 - $4,999, earn $100; $5,000 - $19,999, earn $150; $20,000-$99,999 earn $300; $100,000-$199,999 earn $600; $200,000-$499,999 earn $800; $500,000 - $999,999, earn $1,000; $1,000,000 - $1,499,999, earn $3,000; $1,500,000 - $1,999,999 earn $5,000; $2M+, earn $6,000.
  3. If you deposit $200,000 or more, you will receive a cash credit within seven business days.
  4. If you have deposited at least $200,000 in your account, and you make subsequent deposits in that account to reach a higher tier, you will receive a second cash credit following the close of the 60-day window.
Learn More

at E*TRADE Bank

Full Offer Details

3. Citi® Personal Wealth Management - $5000 bonus

Earn up to $5,000 when you open or enroll a new or existing eligible Personal Wealth Management account with new-to-Citi funds.

This is a tiered bonus based on how much you deposit and maintain for the first 3 months. They've up the reward amounts for their upper tiers this go around.

There are 5 levels, starting with a $500 bonus for deposits $50,000 - $199,999 and going up to $5,000 for $2,000,000+.

Citi® : Personal Wealth Management

Bonus Amount
$5000
Account Type
Investment
Availability
Nationwide
Offer Expires
December 31, 2024
Bonus Requirements
  1. Contact Citi to open or enroll a new or existing eligible Citi Personal Wealth Management account
  2. Fund the Citi Personal Wealth Management account with New-to-Citi Funds within 2 months of account opening (deposit $50,000 for a $500 bonus, $200,000 for a $1,000 bonus, $500,000 for a $2,000 bonus, $1,000,000 for a $3,000 bonus and $2,000,000+ for the $5,000 bonus)
  3. Enroll into e-delivery of statements within 2 months of account opening.
  4. Maintain the new funding through the end of the next month (or 3 months after the month of account enrollment).
Apply Now

at Citi®

Full Offer Details

4. Robinhood Investing - Free stock (up to $200) bonus

Robinhood is a commission-free stock trading platform that's had mixed headlines in the news (GME, what?). But Robinhood is a popular choice – particularly among beginner investors – due to their sleek, easy-to-use app.

This is a program that many investment apps now offer, but Robinhood pioneered: sign up and get a free stock. The stock has a 98% chance of being worth $5-$10, so this isn't an amazing bonus, but it's something for almost nothing (you don't even need to fund your account). The stock will hit your account within a week, and is tradeable 2 days after that.

Robinhood : Investing Account

Bonus Amount
Free stock (up to $200)
Account Type
Investment
Availability
Nationwide
Bonus Requirements
  1. Open a new Robinhood investing account using the link below.
  2. Link your bank account.
  3. Stock bonus will be credited to the enrolled account within approximately one week.
Apply Now

at Robinhood

Full Offer Details

5. SoFi Invest - up to $10000 bonus

SoFi is offering customers a cash bonus to move your portfolio over to SoFi. The bonus is tiered, and you'll need to transfer $5 million in assets to earn the full $10,000 (steep!), but the bonus starts at $100 for transferring $5,000.

Keep in mind that although SoFi will pay out the bonus within 14 business days of the end of the promo period, they'll claw it back if you withdraw those funds within 180 days. They'll even refund up to $75 in ACAT fees from your other brokerage!

SoFi : Sofi Invest

Bonus Amount
up to $10000
Account Type
Investment
Availability
Nationwide
Bonus Requirements
  1. Open a new SoFi Invest account using the link below (or be an existing user).
  2. Before the promotion's expiration date, transfer investments from another brokerage firm: $5,000 to earn $100, $25,000 to earn $200, $100,000 to earn $500, $250,000 to earn $750, $500,000 to earn $1,000, $1,000,000 to earn $2,500, $2,000,000 to earn $5,000 or $5,000,000+ to earn $10,000.
  3. Bonuses will be paid within 14 days of the last day of the month in which the transferred assets settled in your SoFi Invest account.
Apply Now

at SoFi

Full Offer Details

6. Acorns Invest - $20 bonus

Acorns is offering BankBonus.com users a $20 welcome bonus when you open a new Invest account. You just need to open the account from the link below and fund it with $5 to earn the reward.

What's more? They've been running amazing referral bonuses. So, sign up for a new account and then share your referral link with friends and family, and you could be pocketing up to $1,000+ each week!

Acorns : Acorns Invest

Bonus Amount
$20
Account Type
Investment
Availability
Nationwide
Bonus Requirements
  1. Open a new Acorns Invest account using the link below.
  2. Fund account with at least $5.
Apply Now

at Acorns

Full Offer Details

7. Tradestation Brokerage - up to $3500 bonus

Tradestation is offering investors up to $3,500 in bonus cash when you add new funds to a new or existing investing account. You only need $5,000 to earn the first tier bonus ($150), and up to $5M to earn the full $3,500. It's worth noting each of the tiers are considerably higher this time around than when it was previously offered.

Tradestation : Brokerage Account

Bonus Amount
up to $3500
Account Type
Investment
Availability
Nationwide
Bonus Requirements
  1. Enroll an existing account or open a new account using promo code TSTVAGFD at the url below.
  2. Within 45 days, fund your account.
  3. To receive $150 bonus, fund with $5,000- $24,999; To receive $300 bonus, fund with $25,000- $99,999; To receive $500 bonus, fund with $100,000-$249,999; To receive $1,000 bonus, fund with $250,000-$499,999; To receive $2,000 bonus, fund with $500,000-$999,999; To receive $3,500 bonus, fund with $1,000,000+.
  4. Bonus will be deposited into the account the month following the end of the 270-calendar day holding period.
Apply Now

at Tradestation

Full Offer Details

8. Bank of America Merrill Edge Self-Directed - up to $600 bonus

Available nationwide with the ability to open online, Bank of America's Merrill Edge is offering up to a $600 welcome bonus when you open a new Merrill Edge Self-Directed account and make an initial deposit.

What's more? There's also a $1,000 Merrill Edge bonus for those enrolled in Bank of America's Preferred Rewards program. The lower tiers are also bumped as well.

We only list the most popular tiers; however, here's a complete list of tiers you can ask for:

  • $20,000 to $49,999 – $100
  • $50,000 to $99,999 – $150
  • $100,000 to $199,999 – $250
  • $200,000 to $299,999 – $600
  • $300,000 to $499,999 – $1,000
  • $500,000 to $999,999 – $1,500
  • $1,000,000 or more – $2,500
  • $2,000,000 or more – $3,500
  • $5,000,000 or more – $5,000
  • $10,000,000 or more – $7,500

Bank of America : Merrill Edge Self-Directed

Bonus Amount
up to $600
Account Type
Investment
Availability
Nationwide
Bonus Requirements
  1. Open a new Self-Directed Trading account from Merrill Edge using promo code "600ME".
  2. Within 45 days, fund your account with new money from outside Bank of America. To earn a $100 bonus, deposit $20,000-$49,999; To earn a $150 bonus, deposit $49,999-$99,999; To earn a $250 bonus, deposit $100,000-$199,999; To earn a $600 bonus, deposit $200,000 - $299,999.
  3. Maintain that balance for at least 90 days.
  4. Bonus will be deposited within two weeks following the end of the 90 day period.
Apply Now

at Bank of America

Full Offer Details

9. Citi® Self Invest - up to $500 bonus

Available nationwide to new and existing customers, Citi is offering up to a $500 bonus when you add new-to-Citi funds to a Citi® Self Invest account.

As is typical with Citi promotions, this is a tiered offer: the more you add, the more you earn. You'll need to deposit at least $10,000 to earn a $100 reward, or at least $200,000 to receive the full $500.

You'll need to also maintain your funds through a date defined on the Citi website, depending on the month in which you open your account.

Citi® : Citi® Self Invest

Bonus Amount
up to $500
Account Type
Investment
Availability
Nationwide
Bonus Requirements
  1. Open a new Citi® Self Invest account or add new-to-Citi funds to an existing account.
  2. Opt-in to eDelivery of statements and confirmations.
  3. Bonus will be tiered based on the total amount added: $10,000 to earn $100; $50,000 to earn $200; $200,000 to earn the full $500.
  4. Maintain the New-To-Citi funds in your account through the “maintain funds” deadline as outlined in the chart.
  5. Bonus will be credited on the last day of the 3rd month following the “maintain funds” period.
Apply Now

at Citi®

Full Offer Details

10. Charles Schwab Schwab One® - up to $1000 bonus

If you're not currently a Schwab customer, you can open any investment account and earn a referral bonus based on your net deposit within 45 days. This includes retail brokerage accounts, individual retirement accounts, or the managed portfolios like Schwab Intelligent Portfolios®.

Keep in mind that the link above is only for details – you will need to open the account through a referral link from an existing Schwab customer in order to qualify for the promo.

This is a tiered bonus, the more you deposit, the more you can earn.

  • Tier 1 | Balance Maintained: $25,000 - $49,999: $100 Bonus
  • Tier 2 | Balance Maintained: $50,000 - $99,999: $300 Bonus
  • Tier 3 | Balance Maintained: $100,000 - $499,999: $500 Bonus
  • Tier 4 | Balance Maintained: $500,000+: $1,000 Bonus

Charles Schwab : Schwab One®

Bonus Amount
up to $1000
Account Type
Investment
Availability
Nationwide
Bonus Requirements
  1. Open a new account using a referral link from an existing member.
  2. Within 45 days, make a qualifying net deposit between $25,000 - $500,000+ in cash or securities, earning the reward that correlates with that tier ($100-$1,000).
  3. The net deposit amount at the end of 45 day period will be used to calculate your bonus tier.
  4. Bonus will be paid into your account about a week after the 45-day period.
Learn More

at Charles Schwab

Full Offer Details

11. SoFi SoFi - $15 bonus

SoFi is offering a $15 welcome bonus for you and a friend when you refer someone to open a new SoFi account. This bonus is available across most of their products, including: SoFi Money, SoFi Invest, SoFi Loans and a SoFi credit card. You can receive up to $75 total. This isn't exactly the highest bonus we've seen from them, so you'll have to decide if now is the right time or to hold out for something a little more enticing.

It's important to note too that each program has its own set of rules, each of which is outlined on their referral website linked below.

SoFi : SoFi Account

Bonus Amount
$15
Account Type
Investment
Availability
Nationwide
Bonus Requirements
  1. Download the app using the link below.
  2. Refer a friend (or be referred) using your specific referral link for a particular SoFi product.
  3. Follow the program rules highlighted on the website.
  4. Bonus will automatically be applied to your SoFi account(s).
Learn More

at SoFi

Full Offer Details

12. Charles Schwab Schwab One® - $101 bonus

Charles Schwab has a bonus targeting new or entry-level investors in what they call the Schwab Starter Kit™, but new customers of all comfort levels can qualify. When you open a new account for this promo, Schwab will invest your bonus in fractional shares or "slices" of the top stocks by market cap in the S&P 500. Schwab recently upped this bonus from $50 at its previous level. It's a great way to start investing!

Charles Schwab : Schwab One®

Bonus Amount
$101
Account Type
Investment
Availability
Nationwide
Bonus Requirements
  1. Open a new Schwab One account at the url below or open a new taxable investment account using promo code "SCHWABSTARTERKIT".
  2. Within 30 days, Fund your account with a minimum of $50.
  3. Once funded, Schwab will deposit $101 in your account to purchase your stock slices at approximately 6:00 pm Eastern Time the next trading day.
Apply Now

at Charles Schwab

Full Offer Details

See our full list of the Best Brokerage Account Promotions

Florida Banking Statistics

The Sunshine State has more banks and credit unions than most states, which means you have access to more bonuses and promotions than you might in a smaller state.

Here are a few stats on Florida’s booming banking industry.

The FDIC reports that Florida had 86 banks in 2023, a notable decline from 91 in 2022. Even so, banks account for 89.9% of all deposits in Florida (CUNA).

Here are the largest deposit markets for banks in Florida, based on FDIC data:

  1. Miami/Fort Lauderdale/Pompano Beach
  2. Tampa/St. Petersburg/Clearwater
  3. Jacksonville
  4. Orlando/Kissimmee/Sanford
  5. North Point/Sarasota/Bradenton

CUNA also reports that there were 120 state credit unions in Florida in 2023, and 7.23 million Floridians had credit union memberships.

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