Best Bank Promotions in Florida (May 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:

SoFi

SoFi Checking and Savings

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

Discover

Discover® Cashback Checking

Bonus
up to $360
Account Type
Personal Checking
Expires In
Limited Time
Requires
  • Card Spend

Upgrade

Rewards Checking Plus

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

 

Personal Checking Bonuses in Florida

Here are the current personal checking promotions available in FL:

1. 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
July 1, 2024
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.

2. 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.

3. 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.

4. Fifth Third Bank Personal Checking - $200 bonus

Fifth Third Bank has revived their personal checking account bonus.

You can open the account online through the promotion's landing page, or choose instead to enter your email address to receive a unique code that you can take into your local branch.

Another perk? Users report receiving their bonus just days after the qualifying deposit is posted. Be sure to signup early though, as we've seen them pull their offer as it gets closer to the deadline.

Fifth Third Bank : Personal Checking

Bonus Amount
$200
Account Type
Personal Checking
Availability
FL, GA, IL, IN, KY, MI, NC, OH, SC, TN, WV
Offer Expires
June 30, 2024
Bonus Requirements
  1. Open a new Momentum® Checking or Preferred checking account using the link below.
  2. Within 90 days, receive $500 in direct deposits.
  3. Bonus will be credited to your new account within 10 business days of meeting the requirements.
Apply Now

at Fifth Third Bank

5. BMO Personal Checking - $350 bonus

BMO is giving you 3 months to accumulate $4,000 in direct deposits to earn a $350 welcome bonus for opening a new BMO Smart Advantage Checking or BMO Smart Money Checking account. This is higher than recent versions and on par with previous versions.

What's even better? They're also offering a $5/month kicker if you save regularly.

It's now available nationally, so now's a good time to open an account online and grab that cash.

BMO : Personal Checking

Bonus Amount
$350
Account Type
Personal Checking
Availability
Nationwide
Offer Expires
September 9, 2024
Bonus Requirements
  1. Open a new BMO Smart Advantage Checking or BMO Smart Money Checking account using the link below.
  2. Within 90 days, have a total of $4,000 in qualifying direct deposits.
  3. Bonus is credited directly to your checking account approximately 100 days after account opening.
  4. Conditions apply. BMO Bank N.A. Member FDIC

6. 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
June 26, 2024
Bonus Requirements
  1. Open a new One Checking account online or in-branch using promo code TRUIST400AFL24.
  2. Within 90 days of account opening, complete one qualifying direct deposits of $500 or more.
  3. Within the same 90 days, complete at least 15 qualifying debit card purchases.
  4. The reward will be deposited into the new checking account within 4 weeks of verifying the Direct Deposit qualification requirement.
  5. Terms Apply. Member FDIC.

7. 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
May 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

8. GTE Financial Personal Checking - $100 bonus

If you happen to live in Florida, GTE Financial is offering you a $100 welcome bonus after you join and open a new checking account. It's been a while since they offered this promo and it's been halved, but still may be worth it if aren't already a member.

As with nearly all credit unions, when you join, a member-share savings account is established. You'll need to fund it with $5, which purchases your share of the credit union and makes you a member-owner.

As we mentioned, to earn this bonus, you'll then need to add a checking account and set up a monthly direct deposit of at least $500. Keep in mind that both of these steps need to take place within 90 days of your join date, and that the direct deposit needs to still be active at the time of the bonus payout.

GTE Financial Credit Union : Personal Checking

Bonus Amount
$100
Account Type
Personal Checking
Availability
FL
Offer Expires
May 31, 2024
Bonus Requirements
  1. Become a GTE member and apply the promo code BOLTS100.
  2. Within 90 days of joining, open a Go Premium with GTE Secure, Go Full Access, or Go Further checking account.
  3. Within that same 90 days, set up a monthly direct deposit totaling $500 or more.
  4. Bonus will be deposited into your member-share savings account 90 days after your join date, assuming requirements have been met and your account is in good standing.
Apply Now

at GTE Financial

9. Citizens Personal Checking - up to $400 bonus

Earn up to $400 for opening a new personal checking account at Citizens Bank – a solid bonus given the low requirements. You'll earn $300 for opening the checking account plus an opportunity to earn another $100 through debit spend.

If you're also eligible to be a new savings account owner and have $15,000 to park for 3 months, Citizens is running a separate promo that results in a total of $700 for opening both accounts.

Otherwise, stick with this promo, since you'll earn $300 for opening the checking account plus an opportunity to earn another $100 through debit spend.

Citizens Bank : Personal Checking Account

Bonus Amount
up to $400
Account Type
Personal Checking
Availability
CT, DC, DE, FL, MA, MD, MI, NH, NJ, NY, OH, PA, RI, VA, VT
Offer Expires
June 6, 2024
Bonus Requirements
  1. Open a new checking account using the link below.
  2. Within 60 days, make a direct deposit of $500 to earn $300.
  3. Within the same 60 days, earn $2 for every debit card purchase you make, up to $100.
  4. Bonus will be deposited to your new checking account within 4 months of account opening.

10. Regions LifeGreen Checking - $300 bonus

Regions Bank is back with their bonus for new LifeGreen Checking account customers. This time they've upped it to $300.

The bonus used to require debit card purchases and direct deposits as well. This time around, however, the bonus just requires minimum deposits. It's a fairly straightforward offer from a widely available bank.

Regions Bank : LifeGreen Checking

Bonus Amount
$300
Account Type
Personal Checking
Availability
AL, AR, FL, GA, IL, IN, IA, KY, LA, MS, MO, NC, SC, TN, TX
Offer Expires
June 30, 2024
Bonus Requirements
  1. Open a new LifeGreen Checking account using the promo code RGSPRNG24RM.
  2. Within 90 days, receive direct deposits totaling $1,000.
  3. Within the same 90 days, enroll in online banking.
  4. Bonus will be credited to your account within 90 days of completing the requirements.

11. 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
July 1, 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.

12. BMO Relationship Checking - $500 bonus

BMO is giving you 3 months to accumulate $7,500 in direct deposits to earn a $500 welcome bonus for opening a new Relationship checking account. This is more than when it was recently available and it's now available nationally, so that's a plus.

What's even better? They're also offering a $5/month kicker if you save regularly.

BMO : Relationship Checking

Bonus Amount
$500
Account Type
Personal Checking
Availability
Nationwide
Offer Expires
September 9, 2024
Bonus Requirements
  1. Open a new Relationship Checking account using the link below.
  2. Within 90 days, have a total of $7,500 in qualifying direct deposits.
  3. Bonus is paid approximately 100 days after account opening.
  4. Conditions apply. BMO Bank N.A. Member FDIC

13. 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

14. 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

15. 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

16. 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

17. MidFlorida Credit Union Absolutely Free Student Checking - $25 bonus

A small but super easy bonus to earn: $25 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 45 days, and the extra cash will be automatically deposited into your account. Nice!

MidFlorida Credit Union : Absolutely Free Student Checking

Bonus Amount
$25
Account Type
Student Checking
Availability
FL
Bonus Requirements
  1. Open a new free student checking account using the link below.
  2. Within 45 days, use your debit card for 5 purchases.
  3. Bonus will be deposited into your account on the 46th day after account opening.
Apply Now

at MidFlorida Credit Union

18. 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 45 days, receive $500 in direct deposits.
  3. Bonus will be deposited into your new account once requirements are met.
Apply Now

at MidFlorida Credit Union

19. 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

20. 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

21. 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

22. 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

23. 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

24. 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.

25. 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.

26. 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.

27. 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

28. 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

29. 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

30. 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.

31. 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

32. Valley All Access Rewards Checking - up to $240 bonus

Valley National Bank is offering a bonus of $20 per month for an entire year to customers who open an All Access Rewards Checking Account. To receive the full $240 bonus, you'll need to maintain recurring direct deposits each month.

Valley Bank : Valley All Access Rewards Checking

Bonus Amount
up to $240
Account Type
Personal Checking
Availability
AL, FL, NJ, NY
Bonus Requirements
  1. Open a new All Access Rewards Checking Account using the link below.
  2. For the next 12 months, receive $750 or more in qualifying direct deposits each month to earn $20.
  3. The bonus will be credited within 35 days of each month's qualifying direct deposit.

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. 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

2. 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

3. Citi® Accelerate Savings - 4.45% APY

Citi offers a really competitive APY rate in their Citi® Accelerate Savings account, a high-yield savings product.

You can find slightly higher rates elsewhere, but nearly all of those will have balance limits. In other words, you'll earn a great rate on the first $15k, but then the rate drops considerably.

Citi, on the other hand, has no limit. So for those who have sizable savings they'd like to keep liquid, Citi® Accelerate Savings will often win out.

There's no opening deposit minimum or ongoing balance requirements, but do keep in mind that having a $0 balance for longer than 3 months could cause your account to be closed.

Citi® : Citi® Accelerate Savings

Bonus Amount
4.45% APY
Account Type
Personal Savings
Availability
AK, AL, AR, AZ, CO, DE, FL, GA, HI, IA, ID, IL, IN, KS, KY, LA, MA, ME, MI, MN, MO, MS, MT, NC, ND, NE, NH, NM, OH, OK, OR, PA, RI, SC, SD, TN, TX, UT, VT, WA, WI, WV, WY
Bonus Requirements
  1. Open a new Citi® Accelerate Savings account using the link below.
  2. Transfer money from a different bank or an existing Citi account.
  3. Interest compounds daily and will be credited to your account each month.

4. BMO Savings Builder - up to $60 bonus

$5 extra each month just for putting money into my own savings account? OKAY. BMO Harris Bank 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.

Business Bonuses in Florida

Here are the current business banking promotions available in FL:

1. 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
June 27, 2024
Bonus Requirements
  1. Open a new Truist business checking account using the promo code SB24Q2BIZAFL.
  2. Within 30 days, deposit $1,500.
  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.

2. 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
June 30, 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

3. 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
July 8, 2024
Bonus Requirements
  1. Open a new Citibank business checking account in-branch and ask to be enrolled in this offer.
  2. Within 30 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. Maintain that balance for 60 days.
  4. The bonus will be credited to your business checking account within 90 days from the end of the month in which you complete the requirements.

4. 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
July 30, 2024
Bonus Requirements
  1. Open a new Business Checking or Business Checking Plus account using the promo code BUS500Q124SEA.
  2. For 90 days, maintain an average daily balance of $2,500.
  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

5. BMO Business Checking - up to $750 bonus

Now available nationwide, BMO Harris is offering up to a $750 welcome bonus when you open a new business checking account and meet the minimum balance requirements. This is a tiered bonus, the higher the balance, the more you can earn. It's worth noting that this bonus is higher than a recent one offered for similar tiers.

What's more? This time around they added a new higher tier for businesses with higher balances.

BMO : Business Checking

Bonus Amount
up to $750
Account Type
Business Checking
Availability
Nationwide
Offer Expires
September 9, 2024
Bonus Requirements
  1. Open a new BMO Harris business account online or in branch using the link below.
  2. On day 120, have an average collected balance of at least $4,000 to be eligible to earn $300 at least $25,000 to be eligible for $750.
  3. Within the first 120 days, complete 10 qualifying transactions. (any combination of: ACH credits or debits, online bill payments, mobile deposits, wire transfers or debit card POS purchase transactions).
  4. Bonus will be deposited into the new checking account within 14 days of meeting the promotion requirements, approximately Day 130.

6. 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.

7. 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

8. 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.

9. 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.

10. 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.

11. 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

12. 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.

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
July 19, 2024
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

2. E*TRADE Bank Brokerage - up to $4000 bonus

Payouts have increased again! E*Trade is now offering new investors up to $4,000 in bonus cash when you open and fund a new investing account. You'll only need $50 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 $4,000, you need at least $1.5M 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 $4000
Account Type
Investment
Availability
Nationwide
Offer Expires
May 31, 2024
Bonus Requirements
  1. Open a new eligible E*TRADE brokerage or retirement account using the link below with promocode PROMO24.
  2. During the first 60 days, fund your new account with new money as follows: $50 - $999, earn $100; $1,000 - $49,999, earn $150; $50,000-$99,999 earn $200; $100,000-$199,999 earn $300; $200,000-$499,999 earn $600; $500,000 - $999,999, earn $1,000; $1,000,000 - $1,499,999, earn $2,000; $1,500,000+ earn $4,000.
  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.
Apply Now

at E*TRADE Bank

3. 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 in the table below:

Month opened/new funds addedFunding periodMaintain Funds Through
March 2024through 04/30/2024 05/31/2024
April 2024through 05/31/2024 06/30/2024
May 2024through 06/30/2024 07/31/2024
June 2024through 07/31/2024 08/31/2024

Citi® : Citi® Self Invest

Bonus Amount
up to $500
Account Type
Investment
Availability
Nationwide
Offer Expires
June 30, 2024
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.

4. 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
June 30, 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).

5. TD Bank Automated Investing - up to $750 bonus

TD is getting in the robo-advisor game and offering up to $750 when you open a new TD Automated Investing account. This is a tiered bonus where you can earn more depending on how much money you can invest.

TD Bank : Automated Investing

Bonus Amount
up to $750
Account Type
Investment
Availability
Nationwide
Offer Expires
July 31, 2024
Bonus Requirements
  1. Open a new TD Automated Investing account with at least $1,000.
  2. Within 30 days, fund your new account as follows: $1,000 - $4,999, earn $50; $5,000 - $24,999, earn $150; $25,000 - $49,999, earn $250; $50,000 – $74,999, earn $450; $75,000+, earn $750.
  3. Maintain a minimum balance of $1,000 for 90 calendar days after your TD Automated Investing account is approved.
  4. Bonus will be credited to your new TD Automated Investing account within 15 calendar days of meeting eligible offer requirements

6. M1 Invest - up to $500 bonus

Available nationwide with the ability to open online, and back for 2024, M1 Finance is offering up to a $500 welcome bonus when you open a new investment account and make an initial deposit. This is a tiered bonus, the more you deposit, the more you can earn.

M1 Finance : M1 Invest

Bonus Amount
up to $500
Account Type
Investment
Availability
Nationwide
Offer Expires
December 31, 2024
Bonus Requirements
  1. Open a new M1 Invest account.
  2. Within 14 days, make cumulative initial deposits totaling at least $10,000.
  3. Maintain that balance for six months to earn your bonus, as follows: $10,000-$29,999 earn $75; $30,000-$49,999 earn $150; $50,000-$99,999 earn $250; $100,000+ earn $500.
  4. Bonus will payout on the last day of the sixth month after the New User Sign-up Date

7. 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.

8. 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.

9. 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.

10. Fidelity Personal - $100 bonus

Fidelity is offering a super easy $100 bonus to customers who open a new Fidelity Account®, Cash Management Account, or a Roth or traditional IRA.

To earn the bonus, you'll just need to fund the new account with $50. Then, 10 days later, your account will be $100 richer.

Keep in mind that the fine print says that you'll need to maintain the bonus award in the account for at least 90 days, otherwise you could forfeit it.

Fidelity Investments : Personal Account

Bonus Amount
$100
Account Type
Investment
Availability
Nationwide
Bonus Requirements
  1. Open a new eligible account using the promo code FIDELITY100.
  2. Within 15 days, deposit $50.
  3. Bonus will be deposited directly to the eligible account within 10 calendar days after the qualification period.

11. 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

12. 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

13. 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.

14. Fidelity Youth - $50 bonus

Fidelity is offering a $50 welcome bonus to teens who open a new Youth account. These accounts are one-stop shops for saving, spending and investing. They'll earn 5¢ every time they use their debit card, can automate their savings, invest in US stocks and Fidelity mutual funds – and parents can oversee it all, getting notified of their teen's trades and transactions.

A parent or guardian needs to first have their own Fidelity brokerage account in order to open the youth account for their teen, but if you're new to Fidelity, you can not only open both accounts at the same time, but you'll also earn $100 bonus yourself once you fund your new account.

Fidelity Investments : Fidelity Youth Account

Bonus Amount
$50
Account Type
Investment
Availability
Nationwide
Bonus Requirements
  1. Parent or guardian opens the Fidelity Youth Account on behalf of their teen.
  2. Teen activates their new account by downloading the app, creating a login, and agreeing to the T&C.
  3. Bonus will be deposited within 3-5 business days.

15. 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).

16. 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

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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