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.
Our Featured Nationwide Bonuses
Here are 3 of our featured bank bonuses that can be obtained nationwide:
HSBC
HSBC Premier
- Bonus
- up to $7000
- Account Type
- Personal Checking
- Expires In
- 66 days
- Requires
- Min Balance
BMO
Personal Checking
- Bonus
- $400 Cash Bonus*
- Account Type
- Personal Checking
- Expires In
- 4 days
- Requires
- Direct Deposit
SoFi
SoFi Checking and Savings
- Bonus
- up to $300
- Account Type
- Personal Checking
- Expires In
- 7 days
- Requires
- Direct Deposit
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. BMO Personal Checking - $400 Cash Bonus*
BMO is giving you 90 days to accumulate $4,000 in direct deposits to earn a $400 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 : Personal Checking
- Bonus Amount
- $400 Cash Bonus*
- Account Type
- Personal Checking
- Availability
- Nationwide
- Offer Expires
- January 28, 2026
- Bonus Requirements
-
- Open a new BMO Smart Advantage Checking account or BMO Smart Money Checking account using the link below between 9/9/25 – 1/28/26.
- Within 90 days, have a total of $4,000 in qualifying direct deposits.
- If qualifications are met, bonus is paid approximately 100 days after account opening.
- *Conditions apply. Accounts are subject to approval and provided in the U.S. by BMO Bank N.A. Member FDIC
at BMO
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 30, 2026
- Bonus Requirements
-
- Open a TD Beyond Checking account using the link below.
- Within 60 days, have a total of $2,500 in direct deposits.
- Bonus will be paid on or before 180 days after account opening.
at TD Bank
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 30, 2026
- Bonus Requirements
-
- Open a TD Complete Checking account using the link below.
- Within 60 days, have a total of $500 in direct deposits.
- Bonus will be paid on or before 180 days after account opening.
at TD Bank
4. Citizens Personal Checking - up to $500 bonus
Earn up to $500 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 $200 through debit spend.
Citizens Bank : Personal Checking Account
- Bonus Amount
- up to $500
- Account Type
- Personal Checking
- Availability
- CT, DC, DE, FL, MA, MD, MI, NH, NJ, NY, OH, PA, RI, VA, VT
- Offer Expires
- January 26, 2026
- Bonus Requirements
-
- Open a new checking account using the link below.
- Within 60 days, make a direct deposit of $1,000 to earn $300.
- Earn $2 for each qualifying debit card purchase made within 60 days of account opening, up to $200.
- Direct Deposit Bonus will be deposited to your new checking account within 4 months of account opening.
at Citizens
5. Flagstar Bank Personal Checking - up to $500 bonus
Available in 8 states across the U.S., Flagstar Bank is offering up to a $500 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: opening a Ready Checking account makes you eligible for up to $300, whereas opting for an Elite Checking account makes you eligible for the full $500.
Keep in mind that the Elite Checking is their premium product, and comes with a $15 monthly fee unless you hold $25k in the account. Given the low interest rate, this would be a terrible use of your cash. Therefore, if you're strictly gaming for the bonus, you should subtract the $90 in account fees you would incur over the 6 months of your account being open, netting $410 for the Elite bonus compared to $300 for the Ready Checking account. After the 6 months, you can either close or downgrade your account.
As reader Bob pointed out in the comments, Elite Checking can also only be opened in-person at a branch, whereas the Ready Checking account can be opened online. You should weigh both of these hassles to decide whether that extra $90 net is worthwhile!
Flagstar Bank : Personal Checking
- Bonus Amount
- up to $500
- Account Type
- Personal Checking
- Availability
- AZ, CA, FL, IN, MI, NJ, NY, OH
- Offer Expires
- January 31, 2026
- Bonus Requirements
-
- Open a Ready Checking or Elite Checking account using the link below.
- For the first 90 days, maintain an average daily balance of $500.
- Within the same 90 days, set up one or more direct deposits totaling $500.
- Bonus will be deposited into your account 91-104 days after your initial deposit.
at Flagstar Bank
6. Hancock Whitney Freestyle Checking - up to $600 bonus
Want to make an easy $600 from Hancock Whitney? To earn the bonus, you'll need to enter your email address to get a personalized promo code, but you can then take that code in branch or apply online to open the account.
You'll then have until the end of December 2025 to receive a direct deposit.
A $200 bonus for receiving a single $300 direct deposit is a really solid offer, so we recommend checking it out if you live in Hancock Whitney Bank's footprint! What's more? You can earn $100 for opening a new savings account and an additional $200 if you open both, for $600 total!
Keep in mind that you'll need to keep the account open for at least 6 months to avoid any early termination fees. Also, for anyone who previously received the Connect Checking offer, Hancock Whitney updated the fine print to limit bonuses to once every two years, versus the previous once-per-year limit.
Hancock Whitney Bank : Freestyle Checking
- Bonus Amount
- up to $600
- Account Type
- Personal Checking
- Availability
- AL, FL, LA, MO, TX
- Offer Expires
- January 31, 2026
- Bonus Requirements
-
- Enter your email address on the offer page linked below.
- Take your emailed offer code into a Hancock Whitney branch or apply online to open a new Freestyle checking account.
- By February 28, 2026, receive direct deposits totaling $500 or more.
- Continue receiving your monthly direct deposits through 4/30/2026.
- Bonus will be credited to your account by 5/31/2026.
- Additional bonuses can be earned for opening a savings account at the same time, for a total of $600
at Hancock Whitney
7. 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
- February 26, 2026
- Bonus Requirements
-
- Open a Virtual Wallet® account online to qualify, See link below.
- 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.
- Bonus will be credited to your account within 60-90 days after meeting requirements.
8. Truist One Checking - $400 bonus
Truist is offering new customers a $400 bonus for opening a new One Checking account. This is $100 more than when the deal was previously offered!
While it's not available nationwide, most of the East Coast and the South (18 states in total) can take advantage. You'll need to be a new customer and be able to set up a recurring direct deposit.
Not only is this a really solid offer from a top bank, but Truist is also considered one of the fastest paying banks. They promise your reward within 4 weeks of meeting the bonus requirements, but many of our readers have reported receiving their cash much faster than that: typically in about 10 days.
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
- March 25, 2026
- Bonus Requirements
-
- Open a new One Checking account online or in-branch using promo code DC400TR1Q425.
- Within 120 days of account opening, complete two qualifying direct deposits totaling $2000 or more.
- Complete 20 or more debit card purchases within 120 days of account opening.
- The reward will be deposited into the new checking account within 4 weeks of verifying the Direct Deposit qualification requirement.
- Terms Apply. Member FDIC.
at Truist
9. Fifth Third Bank Personal Checking - $300 bonus
Fifth Third Bank is back with their regular 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
- $300
- Account Type
- Personal Checking
- Availability
- FL, GA, IL, IN, KY, MI, NC, OH, SC, TN, WV
- Offer Expires
- March 31, 2026
- Bonus Requirements
-
- Open a new Momentum® Checking or Preferred checking account using the link below.
- Within 90 days, receive $500 in direct deposits.
- Bonus will be credited to your new account within 10 business days of meeting the requirements.
at Fifth Third Bank
10. Addition Financial Personal Checking - $100 bonus
Addition Financial is offering new members a $100 bonus for opening a new checking account. There are no other requirements for earning this bonus (other than meeting the credit union's eligibility requirements, of course). It's important to note that this offer is available to Addition Financial community partnerships located in Orange, Osceola, Lake, Seminole, Volusia and Brevard Counties only.
Addition Financial Credit Union : Personal Checking
- Bonus Amount
- $100
- Account Type
- Personal Checking
- Availability
- FL
- Offer Expires
- December 31, 2026
- Bonus Requirements
-
- Open a new personal checking account using the link below.
- Assuming you meet eligibility requirements, bonus will be credited to your account.
at Addition Financial
11. Seacoast Personal Checking - $400 bonus
Renewed for 2026! 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.
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, 2026
- Bonus Requirements
-
- Open a new Seacoast Classic, Senior Classic, Premium or Premium Elite Checking account using the promo code CON600.
- Deposit $50 at account opening.
- Within 90 days, receive a direct deposit of $1,000 or more.
- Bonus will be credited within 95 days of account opening.
at Seacoast
12. Power Financial Credit Union Personal Checking - $100 bonus
Back for 2026, 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, 2026
- Bonus Requirements
-
- Open a new checking account using the link below.
- Deposit $500 at account opening OR receive a direct deposit.
- Bonus will be credited to your Power Financial CU account after meeting requirements.
at Power Financial Credit Union
13. Valley All Access Checking - $100 bonus
Available in select states where they have branches, Valley is offering a $100 welcome bonus when you open a new personal checking account and set up direct deposit. What's even more? You can stack this offer with their savings account bonus to earn even more!
Valley Bank : All Access Checking
- Bonus Amount
- $100
- Account Type
- Personal Checking
- Availability
- AL, FL, NJ, NY
- Bonus Requirements
-
- Open a new Valley All Access Checking Account
- Within the first 60 days, receive a total of $500 or more of qualifying direct deposits
- Keep the account open at least 120 days.
- Will be credited into your account within 30 days after the 120 qualification window
at Valley
14. Addition Financial Benefits Checking - up to $300 bonus
Available to residents of select Florida and Georgia counties, Addition Financial is offering a $300 welcome bonus when you open a new Benefits Checking account and connect your direct deposit.
It's worth noting that you must maintain a minimum daily balance of $1,000 in your account each day to obtain the disclosed annual percentage yield. You'll also need to meet the required minimum direct deposit(s) or debit card transaction per month to prevent a monthly maintenance fee with this account.
Addition Financial Credit Union : Benefits Checking
- Bonus Amount
- up to $300
- Account Type
- Personal Checking
- Availability
- GA, FL
- Bonus Requirements
-
- Become a member of AdditionFi.
- Open a first-time Benefits Checking account using the link below.
- Within 90 days, add direct deposit with a monthly cumulative deposit amount of $2,000
- Bonus will be deposited within 30 business days following completion of promotional requirements.
at Addition Financial
15. TD Bank Complete Checking - $100 bonus
TD Bank is offering a $100 welcome bonus to students that open a Complete Checking account and use their debit card. Their normal bonus for the Complete Checking account requires direct deposits, but TD knows that this may be tougher for young adults. 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 $300.
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, and age 17 - 23, 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 [Student]
- Bonus Amount
- $100
- Account Type
- Personal Checking
- Availability
- CT, DC, DE, FL, MD, ME, MA, NC, NH, NJ, NY, PA, RI, SC, VT, VA
- Bonus Requirements
-
- Open a TD Complete Checking account.
- Within 60 days, make 15 qualifying debit card purchases.
- Bonus will be paid on or before 180 days after account opening.
at TD Bank
16. 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
-
- Become a member of Premier America Credit Union and automatically setup a Smart Spending account.
- Within 45 days, make a recurring direct deposit into this account of at least $200.
at Premier America Credit Union
17. 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 (if you refer a business, they'll get a $150 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
-
- Have an existing Regions account.
- Refer a friend or family member using the link below and ensure they open a new account within 90 days.
- 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.
- Bonus will be paid as a Rewards Card sent via mail within 120 days of all requirements being met.
at Regions
18. 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
-
- Open a new My Choice Teen Checking account at a local branch.
- Sign up for a debit card.
- Bonus will be credited to your new account within 90 days from meeting the requirement.
at Valley
19. 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 [School Employees]
- Bonus Amount
- $125
- Account Type
- Personal Checking
- Availability
- FL
- Bonus Requirements
-
- Open a personal checking account.
- Within 60 days, Download the free CCU Mobile App, use it at least once and enroll in eStatements.
- Also, within 60 days, use your debit card 20 times to make purchases or payments.
at Community Credit Union of Florida
20. 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
-
- Open a new youth checking account.
- Mention promo code MK-YOUTH10.
at Community Credit Union of Florida
21. Community Credit Union of Florida Student Debit/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 students open select new checking accounts and use your debit card. As an added perk, you can show your school spirit with a free High School Mascot Debit Card! There's a card for every Brevard County high school, Brevard Adult Ed, Brevard Virtual and Eastern Florida State College.
Community Credit Union of Florida : Student Debit/Checking
- Bonus Amount
- $100
- Account Type
- Student Checking
- Availability
- FL
- Bonus Requirements
-
- Open a personal checking account.
- Download the free CCU Mobile App.
- Within 60 days, enroll in eStatements.
- Also, within 60 days, use your debit card 20 times to make purchases or payments.
at Community Credit Union of Florida
22. 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
-
- Be an existing client at First Citrus Bank.
- Receive your personalized referral link using our link below.
- Refer friends to open a new personal or business checking account.
- Bonus will be deposited within 60 days of your friend establishing a new checking account.
at First Citrus Bank
23. 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.
What's more? Earn an additional $300 bonus by opening a CD account with $25,000 in new money!
Florida Credit Union : Personal Checking
- Bonus Amount
- $300
- Account Type
- Personal Checking
- Availability
- FL
- Bonus Requirements
-
- Open a free personal checking account with promo code 25SUMMERBONUS.
- Within 60 days, complete direct deposits totaling $500 or more.
- Keep account open for at least 90 days.
at Florida Credit Union
24. 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
-
- Open a new free checking account using the link below.
- Enroll in eStatements.
- Complete at least 4 transactions (such as direct deposits, writing checks, debit spend, etc) per month for 7 months.
- Bonus will deposit 4-6 weeks after the end of the 7th month.
at BrightStar Credit Union
25. 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
-
- Open a Teen Life checking account.
- Within 90 days of receiving your report card, bring your straight A's or honor roll certificate to a local branch.
at Achieva Credit Union
26. 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
-
- Open a new personal checking account using the link below.
- Within 60 days, receive $500 in direct deposits.
- Enroll in online banking and eStatement to receive paperless statements.
- Within one calendar month, make 5 debit card purchases.
- Bonus will be deposited into your new account once requirements are met.
at MidFlorida Credit Union
27. 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
-
- Open a new free student checking account using the link below.
- Within 60 days, accept and open online banking, eStatement and a debit card.
- During the same time period, use your debit card for 5 purchases.
- Bonus will be deposited into your account on the 61st day after account opening.
at MidFlorida Credit Union
28. 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
-
- Open any personal checking account using the promo code EARN200.
- 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.
- Within 60 days, also make 15 debit card purchases.
- Bonus will be credited to your account within 2 business days of the completion of the 60 day qualifying period.
at SouthState Bank
29. Addition Financial Classic Checking - $200 bonus
Available to residents of select Florida and Georgia counties, Addition Financial is offering a $300 welcome bonus when you open a new Choice Checking account and connect your direct deposit. This time around there are no other transaction-related requirement. Also, meeting the direct deposit requirement will waive the monthly fee as well.
Addition Financial Credit Union : Classic Checking
- Bonus Amount
- $200
- Account Type
- Personal Checking
- Availability
- GA, FL
- Bonus Requirements
-
- Become a member of AdditionFi.
- Open a first-time Choice Checking account using the link below.
- Within 90 days, add direct deposit with a monthly cumulative deposit amount of $1,000
- Bonus will be deposited within 30 business days following completion of promotional requirements.
at Addition Financial
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. Seacoast Savings - $200 bonus
Renewed for 2026! 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, 2026
- Bonus Requirements
-
- Open a new eligible Seacoast money market or savings account using the promo code CON600.
- Within 10 business days, deposit $15,000 in new money and maintain that balance for 90 days.
- Bonus will be credited within 95 days of account opening.
at Seacoast
2. 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
-
- Open a new Savings Builder account using the link below.
- Earn an extra $5 for every month you deposit at least $200 into the account, for up to 12 months.
at BMO
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 $2,000 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
- April 2, 2026
- Bonus Requirements
-
- Open a new Truist business checking account using the promo code SB25Q4CHECKING.
- Within 30 days, deposit $2,000.
- During the same 30 days, enroll in online banking and log-in.
- Bonus will be credited to your new account within 4 weeks of meeting requirements.
at Truist
2. 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
- April 6, 2026
- Bonus Requirements
-
- Open a new Citibank business checking account in-branch and ask to be enrolled in this offer.
- Within 45 days, deposit $5,000 to earn $300, $20,000 to earn $500, $50,000 to earn $1,000, $100,000 to earn $1,500, or $200,000 to earn $2,000.
- Starting Day 46, Maintain that balance for 45 consecutive days.
at Citi®
3. Seacoast Business Checking - up to $600 bonus
Back for 2026, Seacoast Bank is offering small business owners $600 cash to open a Business Checking or Business Checking Plus account. Users now have the option to go for $600 or $250. 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
- up to $600
- Account Type
- Business Checking
- Availability
- FL
- Offer Expires
- December 31, 2026
- Bonus Requirements
-
- 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
- Within 15 days, deposit $10,000 and maintain at least an average daily balance of $10,000 for the first 90 days and also make 15 qualifying electronic transactions, earn $600.
- Alternatively, Within 15 days, deposit $5,000 and maintain at least an average daily balance of $5,000 for the first 90 days and also make 10 qualifying electronic transactions, earn $200.
- Bonus will be credited to your account within 95 days of setting up the account.
at Seacoast
4. 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
-
- Find your nearest MidFlorida Credit Union branch and open a new business checking account.
- Within 45 days, enroll in eStatements, eNotice, online banking, and a debit card.
- In 2 of the first 6 months, make deposits totaling $5,000 each month (so a total of $10,000).
- Bonus will be deposited into your new account once requirements are met.
at MidFlorida Credit Union
5. 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 (if you refer a personal account, they will only receive a $50 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
-
- Have an existing Regions account.
- 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.
- Within 60 days of opening the account, the person you referred must make at least one Visa Business CheckCard purchase and enroll in eStatements.
- Bonus will be paid as a Rewards Card sent via mail within 120 days of all requirements being met.
at Regions
6. 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 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
-
- Open a new business checking account from SouthState (they have 6 eligible accounts!) using promo code SB400.
- 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.
- Bonus will be paid within 2 business days of the completion of the 90 calendar day qualifying period.
at SouthState Bank
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 $1000 bonus
Available nationwide with the ability to open online, J.P. Morgan Wealth Management is offering up to a $1,000 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+ | $1,000 |
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 $1000
- Account Type
- Investment
- Availability
- Nationwide
- Offer Expires
- April 21, 2026
- Bonus Requirements
-
- Open a J.P. Morgan Self-Directed Investing account using the link below.
- 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 = $1,000 bonus.
- Your bonus amount will be determined on day 45.
- Maintain your new funds for 90 days (losses due to trading or market fluctuation will not be taken into account).
- Bonus will be received within 15 days.
- INVESTMENT AND INSURANCE PRODUCTS ARE: NOT A DEPOSIT • NOT FDIC INSURED • NO BANK GUARANTEE • MAY LOSE VALUE
at J.P. Morgan
2. E*TRADE Bank Brokerage - up to $10000 bonus
Payouts have increased again! E*Trade is now offering new investors up to $10,000 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 $10,000, you need at least $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 $10000
- Account Type
- Investment
- Availability
- Nationwide
- Offer Expires
- January 31, 2026
- Bonus Requirements
-
- Open a new eligible E*TRADE brokerage or retirement account using the link below with promocode OFFER25.
- 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 - $4,999,999, earn $6,000, $5M+ earn 10,000.
- If you deposit $200,000 or more, you will receive a cash credit within seven business days.
- 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.
at E*TRADE Bank
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
- March 31, 2026
- Bonus Requirements
-
- Contact Citi to open or enroll a new or existing eligible Citi Personal Wealth Management account
- 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)
- Enroll into e-delivery of statements within 2 months of account opening.
- Maintain the new funding through the end of the next month (or 3 months after the month of account enrollment).
at Citi®
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
-
- Open a new Robinhood investing account using the link below.
- Link your bank account.
- Stock bonus will be credited to the enrolled account within approximately one week.
at Robinhood
5. 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
-
- Open a new Acorns Invest account using the link below.
- Fund account with at least $5.
at Acorns
6. 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
-
- Open a new Self-Directed Trading account from Merrill Edge using promo code 600ME.
- 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.
- Maintain that balance for at least 90 days.
- Bonus will be deposited within two weeks following the end of the 90 day period.
at Bank of America
7. 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
-
- Open a new Citi® Self Invest account or add new-to-Citi funds to an existing account.
- Opt-in to eDelivery of statements and confirmations.
- 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.
- Maintain the New-To-Citi funds in your account through the “maintain funds” deadline as outlined in the chart.
- Bonus will be credited on the last day of the 3rd month following the “maintain funds” period.
at Citi®
8. 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
-
- Open a new account using a referral link from an existing member.
- 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).
- The net deposit amount at the end of 45 day period will be used to calculate your bonus tier.
- Bonus will be paid into your account about a week after the 45-day period.
at Charles Schwab
9. 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
-
- Download the app using the link below.
- Refer a friend (or be referred) using your specific referral link for a particular SoFi product.
- Follow the program rules highlighted on the website.
- Bonus will automatically be applied to your SoFi account(s).
at SoFi
10. 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
-
- Open a new Schwab One account at the url below or open a new taxable investment account using promo code "SCHWABSTARTERKIT".
- Within 30 days, Fund your account with a minimum of $50.
- 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.
at Charles Schwab
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:
- Miami/Fort Lauderdale/Pompano Beach
- Tampa/St. Petersburg/Clearwater
- Jacksonville
- Orlando/Kissimmee/Sanford
- 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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