The Garden State is home to some exceptional banks and credit unions offering really rewarding bank promotions in New Jersey.
We know that tracking down bonus offers and finding all the requirements in the fine print can be challenging. To help, we’ve created a list of the best bank bonuses and promotions.
You can sift through current offers below, review their requirements, and apply or learn more with the bank or credit union if you’re interested.
Our Featured Nationwide Bonuses
Here are 3 of our featured bank bonuses that can be obtained nationwide:
BMO
Smart Advantage Checking Account
- Bonus
- $300
- Account Type
- Personal Checking
- Expires In
- 47 days
- Requires
- Direct Deposit
SoFi
SoFi Checking and Savings
- Bonus
- up to $300
- Account Type
- Personal Checking
- Expires In
- 13 days
- Requires
- Direct Deposit
Upgrade
Rewards Checking Plus
- Bonus
- $200
- Account Type
- Personal Checking
- Expires In
- Limited Time
- Requires
- Card Spend
See our list of the Best Banks in New Jersey
Personal Checking Bonuses in New Jersey
Here are the current personal checking promotions available in NJ:
1. TD Bank Beyond Checking - $300 bonus
TD Bank is offering a $300 welcome bonus for opening a personal checking account and using direct deposit within the first 2 months. What's more, you can maximize this promo by also opening a new personal savings account — stacking an extra $200 on top of this offer for a total of $500.
If the $2,500 in direct deposit is too high, they're also running a smaller offer with only a $500 deposit requirement.
While this isn't available nationwide, it is open to a healthy list of states, and is no longer targeted to select customers.
If you're eligible, we definitely recommend claiming this easy bonus.
Offer is available in these states: CT, DC, DE, FL, MA, MD, ME, NC, NH, NJ, NY, PA, RI, SC, VA, VT
TD Bank : Beyond Checking
- Bonus Amount
- $300
- Account Type
- Personal Checking
- Availability
- CT, DC, DE, FL, MD, ME, MA, NC, NH, NJ, NY, PA, RI, SC, VT, VA
- Offer Expires
- January 1, 2025
- Bonus Requirements
-
- 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
2. TD Bank Complete Checking - $200 bonus
TD Bank is offering a $200 welcome bonus for opening a personal checking account and using direct deposit within the first 2 months. What's more, you can maximize this promo by also opening a new personal savings account — stacking an extra $200 on top of this offer for a total of $400.
This is the highest we've seen this offer so now might be a great time to jump on it if you've been on the fence.
This is the smaller of 2 personal checking welcome offers that TD is currently running, with the other requiring a $2,500 direct deposit for a $300 bonus.
While this isn't available nationwide, it is open to a healthy list of states, and is no longer targeted to select customers.
If you're eligible, we definitely recommend claiming this easy bonus. Offer is available in these states: CT, DC, DE, FL, MA, MD, ME, NC, NH, NJ, NY, PA, RI, SC, VA, VT
TD Bank : Complete Checking
- Bonus Amount
- $200
- Account Type
- Personal Checking
- Availability
- CT, DC, DE, FL, MD, ME, MA, NC, NH, NJ, NY, PA, RI, SC, VT, VA
- Offer Expires
- January 1, 2025
- Bonus Requirements
-
- 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
3. Truist One Checking - $400 bonus
Truist, has a very solid offer for a new One Checking account, and $100 more than when it was previously offered. Available mostly along the East Coast and Southern states with the ability to open online, Truist is offering a $400 welcome bonus when you open a new One checking account and set up direct deposit.
Truist Bank : Truist One Checking
- Bonus Amount
- $400
- Account Type
- Personal Checking
- Availability
- AL, AR, GA, FL, IN, KY, MD, MS, NC, NJ, OH, PA, SC, TN, TX, VA, WV, DC
- Offer Expires
- April 30, 2025
- Bonus Requirements
-
- Open a new One Checking account online or in-branch using promo code AFL2425TR1400.
- Within 120 days of account opening, complete two qualifying direct deposits totaling $1000 or more.
- 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
4. M&T Personal Checking - $200 bonus
M&T is offering $200 if you open one of their personal checking accounts and make a small direct deposit within 90 days.
If you're not able to meet the requirements to waive the maintenance fees, you can alternatively opt for their basic checking account.
Regardless, be sure to enter your zipcode on the linked offer page, which will auto apply the appropriate promo code if you're within a targeted zipcode. Many readers have tried to apply the promo to an outside zip, and while the system allows you to move forward, you'll be "surprised" with no bonus payout when that time comes.
M&T Bank : Personal Checking Account
- Bonus Amount
- $200
- Account Type
- Personal Checking
- Availability
- CT, DC, DE, MD, NJ, NY, PA, VA, WV
- Offer Expires
- December 31, 2024
- Bonus Requirements
-
- Open a new M&T checking account using the link below.
- Within 90 days, make at least $500 in direct deposits.
- The bonus will be credited to your account within 90 days of all requirements being met.
at M&T
5. Flagstar Bank Personal Checking - up to $350 bonus
Available in a decent number of states across the U.S., Flagstar Bank is offering up to a $350 welcome bonus when you open a new personal checking account and set up direct deposit. The total amount you can earn depends on which account you open: Ready Checking is eligible for up to $250 or Elite Checking for the full $350.
Flagstar Bank : Personal Checking
- Bonus Amount
- up to $350
- Account Type
- Personal Checking
- Availability
- AZ, CA, FL, IN, MI, NJ, NY, OH
- Offer Expires
- December 31, 2024
- Bonus Requirements
-
- Open a Ready Checking or Elite Checking account with $50 or more.
- For the first 90 days, maintain an average daily balance of $500 or more.
- Within the same 90 days, set up one or more direct deposits totaling $500 or more.
- Bonus will be deposited into your account 91-104 days after an initial deposit is made to the new account.
at Flagstar Bank
6. TrustCo Bank Home Town Free Checking - $250 bonus
Available in select east coast states, TrustCo Bank is offering a $250 welcome bonus when you open a qualifying new Home Town Free Checking account and set up direct deposit. This year it's similar to their promotion last year, but they've more than doubled it AND are tossing in a FREE Ring doorbell as well! What's even more? You can stack this offer with their savings account bonus to earn a total of $200.
TrustCo Bank : Home Town Free Checking
- Bonus Amount
- $250
- Account Type
- Personal Checking
- Availability
- FL, MA, NJ, NY, VT
- Offer Expires
- December 31, 2024
- Bonus Requirements
-
- Open a Home Town Free Checking Account.
- Within 60 days make a recurring direct deposit of at least $500
- Bonus will be paid within 60 calendar days.
at TrustCo Bank
7. Santander Bank Personal Checking - $400 bonus
Available in select states with the ability to open online, Santander Bank is offering a $400 welcome bonus when you open a new eligible Santander checking account and set up direct deposit.
Keep in mind that you'll need to enter your information (name and email address) on the promo's landing page in order to receive your unique code, which you'll then use on the online application to enroll in the promotion.
A heads up to Florida residents that this promotion is limited to certain zips within Miami-Dade, Monroe, and Broward counties.
Santander Bank : Personal Checking
- Bonus Amount
- $400
- Account Type
- Personal Checking
- Availability
- CT, DE, FL, MA, NH, NJ, NY, PA, RI
- Offer Expires
- December 31, 2024
- Bonus Requirements
-
- Open a new eligible Santander checking account using the link below.
- Within 90 days, make direct deposits totaling $5,000 or more.
- Keep your account open for at least 90 days.
- Bonus will be paid within 30 days of the initial 90 day period.
at Santander Bank
8. Visions Federal Credit Union Personal Checking - up to $200 bonus
Available in select New York, New Jersey and Pennsylvania counties, Visions Federal Credit Union is offering up to a $200 welcome bonus when you open a new personal checking account and set up direct deposit. This is a tiered bonus, the more activities you can complete, the more you can earn.
Visions Federal Credit Union : Personal Checking
- Bonus Amount
- up to $200
- Account Type
- Personal Checking
- Availability
- NY, NJ, PA
- Offer Expires
- December 31, 2024
- Bonus Requirements
-
- Open your first Visions checking account.
- Within 90 days, make new, qualifying, recurring direct deposits of $500 or more made into new checking account, earn $100.
- During the same 90 days, link a Visions-issued debit card to the new account, earn $50.
- Finally, enroll in digital banking during the promotional period, earn $50.
- Direct deposit bonus will be credited 90 days after the open date of new checking account. Debit card and digital banking enrollment bonuses will be deposited within 24 hours of meeting the requirements.
at Visions Federal Credit Union
9. Firstrust Savings Bank Eagles Firstpay℠ Premier - 50,000 bonus points
Firsttrust Bank is offering new Eagles FirstPay℠ Premier checking customers 50,000 bonus reward points. These can be redeemed for $500 in gift cards, merch, or travel. You just need to open a new account, then use your debit card to make purchases totaling $500. Not bad!
This is up from their previous offer, which had similar requirements but only offered 20,000 points in return.
Firstrust Savings Bank : Eagles Firstpay℠ Premier
- Bonus Amount
- 50,000 Points
- Account Type
- Personal Checking
- Availability
- DE, MD, NJ, PA
- Offer Expires
- December 31, 2024
- Bonus Requirements
-
- Open a new Eagles FirstPay℠ Premier checking account using the link below.
- Within 60 days, make debit card purchases totaling $500.
- Bonus will be credited within 30 days in the form of 50,000 points, which can be redeemed for a gift card, merchandise or travel.
at Firstrust Savings Bank
10. Fulton Bank Personal Checking - $300 bonus
Fulton Bank is offering $300 to new Simply Checking customers for completing direct deposit requirements. If you live in one of the targeted areas, this is an easy bonus for opening a personal checking account that has no monthly fees.
The fine print states that you will have needed to receive a direct communication (email or digital ad) from them to be eligible, but YMMV.
Fulton Bank : Personal Checking
- Bonus Amount
- $300
- Account Type
- Personal Checking
- Availability
- DE, DC, MD, NJ, PA, VA
- Offer Expires
- December 31, 2024
- Bonus Requirements
-
- Open a new Simply Checking account using the link below.
- Within 60 days, set up a recurring direct deposit totaling $500.
- Bonus will be credited to your account 4-6 weeks after meeting the requirements.
at Fulton Bank
11. Firstrust Savings Bank Eagles Firstpay℠ - 35,000 bonus points
Firsttrust Bank is offering new Eagles FirstPay℠ Checking customers 35,000 bonus reward points. The points can be redeemed for $550 in gift cards, merch, or travel. You just need to open a new account, then use your debit card to make purchases totaling $350. Not bad!
This is similar to their previous offer, which was a combo of cash + points offer.
Firstrust Savings Bank : Eagles Firstpay℠
- Bonus Amount
- 35,000 Points
- Account Type
- Personal Checking
- Availability
- DE, MD, NJ, PA
- Offer Expires
- December 31, 2024
- Bonus Requirements
-
- Open a new Eagles Firstpay checking account using the link below.
- Within 60 days, make debit card purchases totaling $350.
- Bonus will be credited within 30 days in the form of 35,000 points, which can be redeemed for a gift card, merchandise or travel.
at Firstrust Savings Bank
12. PNC Virtual Wallet® - up to $400 bonus
Available in 23 states plus the District of Columbia, PNC is back with a competitive welcome bonus for opening a personal checking account online and meeting direct deposit requirements within the first 2 months.
This is a tiered offer with the entry level Virtual Wallet® offering $100, $200 for opening a Virtual Wallet® with Performance Spend or $400 for opening a Virtual Wallet® with Performance Select - all with qualifying direct deposit requirements.
Assuming you don't have an account with PNC (and haven't within the last 90 days), we definitely recommend grabbing this easy bonus.
PNC Bank : Virtual Wallet®
- Bonus Amount
- up to $400
- Account Type
- Personal Checking
- Availability
- AL, AZ, CA, CO, DC, DE, FL, GA, IL, IN, KY, MD, MI, NC, NJ, NY, NM, OH, PA, SC, TX, VA, WI, WV
- Offer Expires
- January 2, 2025
- Bonus Requirements
-
- 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.
13. Popular Bank Popular Everyday Checking - $300 bonus
Available in New York, New Jersey and South Florida, Popular Bank is offering a $300 welcome bonus when you open a new Everyday Checking account and set up direct deposit. They also want to see you be an active customer by using your debit card. The downer here is you must go in-branch to open your account.
What's even more? You can stack this offer with their savings account bonus to earn a total of $500.
Popular Bank : Popular Everyday Checking
- Bonus Amount
- $300
- Account Type
- Personal Checking
- Availability
- FL, NY, NJ
- Offer Expires
- January 25, 2025
- Bonus Requirements
-
- Open a new Everyday Checking account.
- Within the first 90 days, complete at least 2 direct deposits totaling at least $1,000 and make 12 purchases with your debit card.
- Bonus will be deposited within 30 days of the 90 day qualification period ending.
at Popular Bank
14. Popular Bank Popular Prestige Checking - $500 bonus
Available in New York, New Jersey and South Florida, Popular Bank is offering a $500 welcome bonus when you open a new Prestige Checking account and set up direct deposit. They also want to see you be an active customer by using your debit card. The downer here is you must go in-branch to open your account.
What's even more? You can stack this offer with their savings account bonus to earn a total of $700.
Popular Bank : Popular Prestige Checking
- Bonus Amount
- $500
- Account Type
- Personal Checking
- Availability
- FL, NY, NJ
- Offer Expires
- January 31, 2025
- Bonus Requirements
-
- Open a new Prestige Checking account.
- Within the first 90 days, complete at least 2 direct deposits totaling at least $2,500 and make 12 purchases with your debit card.
- Bonus will be deposited within 30 days of the 90 day qualification period ending.
at Popular Bank
15. Popular Bank Popular Easy Access Checking - $150 bonus
Available in New York, New Jersey and South Florida, Popular Bank is offering up to a $150 welcome bonus when you open a new Easy Access Checking account and set up direct deposit. They also want to see you be an active customer by using your debit card. The downer here is you must go in-branch to open your account.
What's even more? You can stack this offer with their savings account bonus to earn a total of $350.
Popular Bank : Popular Easy Access Checking
- Bonus Amount
- $150
- Account Type
- Personal Checking
- Availability
- FL, NY, NJ
- Offer Expires
- January 31, 2025
- Bonus Requirements
-
- Open a new Easy Access Checking account.
- Within the first 90 days, complete at least 2 direct deposits totaling at least $500 and make 12 purchases with your debit card.
- Bonus will be deposited within 30 days of the 90 day qualification period ending.
at Popular Bank
16. M&T MyChoice Premium - up to $350 bonus
M&T is offering $350 if you open their MyChoice Premium checking account and connect your direct deposit. Don't have a direct deposit? M&T has other bonuses that just require minimum balances.
M&T Bank : MyChoice Premium
- Bonus Amount
- up to $350
- Account Type
- Personal Checking
- Availability
- CT, DC, DE, MD, NJ, NY, PA, VA, WV
- Offer Expires
- January 31, 2025
- Bonus Requirements
-
- Open a new M&T MyChoice Premium Checking account online at the link below or in-branch using promocode "TY"
- Within 90 days, make at least $1,000 in qualifying direct deposits.
- Bonus will be credited to your account within 90 days of all requirements being met
at M&T
17. Altra Personal Checking - $150 bonus
If you are a Rochester Public School District Employee or immediate family member w/employee badge or student and aren't already a member, check out this super easy bonus. Using the promo code provided, open a new A+ Checking or A+ Platinum Checking, then make 10 purchases using your new debit card. That's it!
Altra Federal Credit Union : Personal Checking
- Bonus Amount
- $150
- Account Type
- Personal Checking
- Availability
- CO, MN, NJ, TN, TX, WI
- Offer Expires
- May 31, 2025
- Bonus Requirements
-
- Open a new A+ Checking or A+ Platinum Checking using the promo code RPSD_A+150.
- Within 30 days, make ten debit card purchases.
- Bonus will be deposited into your new checking account within 30 business days of meeting the requirements.
at Altra
18. People First Federal Credit Union Free Checking - $250 bonus
Available in select counties of Pennsylvania and New Jersey with the ability to open online, People First Federal Credit Union is offering a $250 welcome bonus when you open a new personal checking account and set up direct deposit. You'll also need to complete purchases with your debit card during the qualification period. Your bonus will not be available immediately, as they will hold the funds in your account until you've been a member for 6 months.
People First Federal Credit Union : Free Checking
- Bonus Amount
- $250
- Account Type
- Personal Checking
- Availability
- NJ, PA
- Bonus Requirements
-
- Become a member of People First Federal Credit Union and open a new personal checking account.
- Within 45 days, complete direct deposits totaling $500 or more into account.
- Within 60 days, make 15 debit card transactions and enroll in eStatements.
- Bonus will be deposited within 60 days of qualification.
- Bonus will be held (frozen) in your account until the account is 6 months old and released thereafter.
at People First Federal Credit Union
19. 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
20. Webster Bank Private Banking Checking - up to $1000 bonus
Webster National Bank is offering new and existing Private Banking clients up to $1,000 to add new money. If you have less than 500,000 you may be eligible for smaller bonuses (check out similar offers).
This is an easy bonus if you have the cash. One note: you'll need to open the account in a branch. We also couldn't find any information about monthly fees, so be sure to verify that when evaluating the offer.
Webster Bank : Private Banking Checking
- Bonus Amount
- up to $1000
- Account Type
- Personal Checking
- Availability
- NJ, NY, MA, RI, CT
- Bonus Requirements
-
- Open a new or have an existing Private Bank checking account.
- Deposit $500,000+ in new money to establish your bonus tier.
- Within the first 3 statement cycles, you'll earn $500 for each statement cycle that you maintain a minimum daily balance of $500,000 and make a direct deposit of at least $1,000. Max bonus of $1,000.
- The cash bonus payment will be paid on the last day of the evaluated statement cycle.
at Webster Bank
21. Webster Bank Private Banking Checking - up to $500 bonus
Webster Bank is offering new and existing Private Banking clients up to $500 to add new money. If you have more than 500,000 you may be eligible for a bonus up to $1,000 (check out similar offers).
This is an easy bonus if you have the cash. One note: you'll need to open the account in a branch. We also couldn't find any information about monthly fees, so be sure to verify that when evaluating the offer.
Webster Bank : Private Banking Checking
- Bonus Amount
- up to $500
- Account Type
- Personal Checking
- Availability
- NJ, NY, MA, RI, CT
- Bonus Requirements
-
- Open a new or have an existing Private Bank checking account.
- Deposit $250,000 - $499,999 in new money to establish your bonus tier.
- Within the first 3 statement cycles, you'll earn $250 for each statement cycle that you maintain a minimum daily balance of $250,000 and make a direct deposit of at least $1,000. Max bonus of $500.
- The cash bonus payment will be paid on the last day of the evaluated statement cycle.
at Webster Bank
22. Flushing Bank Complete Checking - up to $2500 bonus
Flushing Bank is offering new Complete Checking account customers up to $2,500. The bonus is tiered based on the amount of "new money" (money not currently on deposit at Flushing Bank) that you deposit and maintain in the new account for the first 3 months after account opening. This is their highest bonus yet with each tier increasing its payout!
Flushing Bank : Complete Checking
- Bonus Amount
- up to $2500
- Account Type
- Personal Checking
- Availability
- NY, NJ
- Bonus Requirements
-
- Open a new Complete Checking account.
- For the first three full calendar months after opening, maintain a monthly average balance of $10,000 to earn $150, $50,000 to earn $500, $50,000 to earn $500, $100,000 to earn $1,000, or $250,000 to earn $2,500.
- Bonus will be credited on or about the 15th of the subsequent month following the account’s three month anniversary.
at Flushing Bank
23. Columbia Bank Personal Checking - up to $800 bonus
Available in NJ with the ability to open online, Columbia Bank is offering up to an $800 welcome bonus when you open a new personal checking account and complete qualifying activities. This is a tiered bonus, so the more activities you complete, the more you can earn.
It's important to note that this is the highest we've seen this offer, so now is an excellent time to jump on it. To put it into perspective, most recently we saw it at $300, but they've added more activities for more opportunities to earn this go around.
Columbia Bank : Personal Checking
- Bonus Amount
- up to $800
- Account Type
- Personal Checking
- Availability
- NJ
- Bonus Requirements
-
- Open a new personal checking account.
- Within 60 days, complete ACH credits totaling $1,000 or more, receive $300.
- Within 60 days, complete 10 debit card purchases, receive an additional $100.
- Bonuses will be received within 60 days of determining qualifications for each activity.
- Receive an additional savings bonus for depositing new money within 15 days as follows: $5,000 - $14,999.99, earn $200; $15,000+, earn $400.
- Maintain that balance for at least 120 days
at Columbia Bank
24. Webster Bank Private Banking Checking - up to $300 bonus
Webster Bank is offering new and existing Private Banking clients up to $300 to add new money. If you have more than $250,000 you may be eligible for a bonus up to $1,000 (check out similar offers).
This is an easy bonus if you have the cash. One note: you'll need to open the account in a branch. We also couldn't find any information about monthly fees, so be sure to verify that when evaluating the offer.
Webster Bank : Private Banking Checking
- Bonus Amount
- up to $300
- Account Type
- Personal Checking
- Availability
- NJ, NY, MA, RI, CT
- Bonus Requirements
-
- Open a new or have an existing Private Bank checking account.
- Deposit $50,000 - $249,999 in new money to establish your bonus tier.
- Within the first 3 statement cycles, you'll earn $150 for each statement cycle that you maintain a minimum daily balance of $50,000 and make a direct deposit of at least $1,000. Max bonus of $300.
- The cash bonus payment will be paid on the last day of the evaluated statement cycle.
at Webster Bank
25. Blue Foundry Bank Checking + Savings - up to $600 bonus
Available in New Jersey, Blue Foundry Bank is offering up to $600 in welcome bonuses when you open a new personal checking account and a savings account. It's a two part bonus, one for checking and one for savings. You'll need to complete the requirements for each part separately, but the bonus is solid if you can pull it off.
Blue Foundry Bank : Checking + Savings
- Bonus Amount
- up to $600
- Account Type
- Personal Checking
- Availability
- NJ
- Bonus Requirements
-
- Open a new Blue Axis Edge® Checking account.
- Within 60 days and for 6 months, maintain a direct deposit of at least $500, earn $300.
- Open a new Blue Axis Edge® Savings account and make a single deposit $15,000 or more in new money and maintain it for 6 months, earn $300.
- Bonus(es) will be deposited within 60 days of meeting the requirements.
at Blue Foundry Bank
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
-
- 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
27. The Bank of Princeton Wise Checking - $100 bonus
The Bank of Princeton is offering $100 when you sign up for a new Wise Checking account and complete a direct deposit.
The Bank of Princeton : Wise Checking
- Bonus Amount
- $100
- Account Type
- Personal Checking
- Availability
- NJ, PA
- Bonus Requirements
-
- Open a Wise Checking account.
- Within 60 days, make a minimum direct deposit of $500.00.
- Bonus will be deposited within 30 business days after the initial direct deposit posts to the account.
at The Bank of Princeton
28. Valley All Access Checking+ - $400 bonus
Valley National Bank is offering a bonus of $400 to customers who open an All Access Checking+ account and setup direct deposit. Previously, they offered a bonus in monthly installments that was strung out over the whole year. This time around, the bonus is nearly double, but it requires a hefty direct deposit.
Valley Bank : Valley All Access Checking+
- Bonus Amount
- $400
- Account Type
- Personal Checking
- Availability
- AL, FL, NJ, NY
- Bonus Requirements
-
- Open a new All Access Checking+ account using the link below.
- Within 90 days, receive two or more qualifying direct deposits with a cumulative total of $7,500 or more.
- The bonus will be credited within 30 days of meeting the requirement.
at Valley
29. 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
-
- Open a new Valley My Choice checking account using the link below.
- Within 60 days, activate mobile banking and enroll in paperless statements to earn $75.
- 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.
- Bonus(es) will be credited to your account within 90 days of account opening.
at Valley
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 New Jersey
Here are the current personal savings promotions available in NJ:
1. TD Bank Personal Savings - $200 bonus
TD Bank is offering a $200 welcome bonus if you open a new savings account. It works out to effectively be an interest rate of about 4%.
What's more, you can maximize this promo by also opening a new personal checking account — stacking an extra $300 or $150 on top of this offer for a total of up to $500.
While this isn't available nationwide, it is open to a healthy list of states, and is no longer targeted to select customers.
TD Bank : Personal Savings Account
- Bonus Amount
- $200
- Account Type
- Personal Savings
- Availability
- CT, DC, DE, FL, MD, ME, MA, NC, NH, NJ, NY, PA, RI, SC, VT, VA
- Offer Expires
- December 31, 2024
- Bonus Requirements
-
- Open a TD Savings account using the link below.
- Within 20 days, deposit $20,000 and maintain that balance for 90 days.
- Bonus will be paid on or before 180 days after account opening.
at TD Bank
2. TrustCo Bank Home Town Savings - $100 bonus
Available in select east coast states, TrustCo Bank is offering a $100 welcome bonus when you open a Hometown Savings account. Slightly different from their promotion last year, they've doubled the minimum opening balance requirement. What's even more? You can stack this offer with their checking account bonus to earn a total of $350 + a ring doorbell.
TrustCo Bank : Home Town Savings
- Bonus Amount
- $100
- Account Type
- Personal Savings
- Availability
- FL, MA, NJ, NY, VT
- Offer Expires
- December 31, 2024
- Bonus Requirements
-
- Open a new Home Town Savings account with a minimum of $10,000 in new money.
- For 90 days, maintain a minimum balance of $10,000
- Bonuses will be paid within 60 calendar days.
at TrustCo Bank
3. Popular Bank Popular Savings - $200 bonus
Available in New York, New Jersey and South Florida, Popular Bank is offering a $200 welcome bonus when you open a new Popular Savings account and maintain a minimum balance. It's a pretty straightforward bonus if you have the cash.
What's even more? You can stack this offer with their checking account bonus to earn up to a total of $700.
Popular Bank : Popular Savings
- Bonus Amount
- $200
- Account Type
- Personal Savings
- Availability
- FL, NY, NJ
- Offer Expires
- January 31, 2025
- Bonus Requirements
-
- Open a new Popular Savings account.
- Within 30 days, deposit a minimum of $8,000 in new money, and keep a $8,000 average monthly balance for two statement cycles.
- Bonus will be deposited into the new Popular Savings account within 30 days after the qualification requirements have been met and verified.
at Popular Bank
4. Lakeland Bank Young Savers - $10 bonus
Available to New Jersey residents under the age of 21, Lakeland Bank is offering a $10 matching bonus when you open a new Young Savers account. It doesn't sound like much, but every little bit helps!
Lakeland Bank : Young Savers Account
- Bonus Amount
- $10
- Account Type
- Student Savings
- Availability
- NJ
- Bonus Requirements
-
- Qualify for, and open a new Young Savers account in-branch with at least $1 ($10 is preferred to receive full match potential).
- Deposit match will be credited to account within 45 days of opening.
at Lakeland Bank
Business Bonuses in New Jersey
Here are the current business banking promotions available in NJ:
1. M&T Tailored Business Checking - up to $1500 bonus
M&T is offering up to $1,500 to new Tailored Business Checking customers. This is a tiered bonus with the highest potential we've seen! You'll need to deposit a minimum of $5,000 for the first tier and maintain that average balance in the third full calendar month after the account was opened.
If you're also in the market for a Merchant Services account, you can combine this offer with their Merchant Services bonus, for a total reward of $1000.
M&T Bank : M&T Tailored Business Checking
- Bonus Amount
- up to $1500
- Account Type
- Business Checking
- Availability
- CT, DE, MD, NJ, NY, PA, VA, WV, DC
- Offer Expires
- December 31, 2024
- Bonus Requirements
-
- Open a Tailored Business Checking account using the link below using promo code BD.
- For the third full calendar month following account opening, maintain an average balance of $5,000 to earn $300; $15,000 to earn $500; or $100,000+ to earn $1,500.
- Bonus will be awarded by the end of the fourth month after the account was opened.
at M&T
2. Santander Bank Business Checking - up to $500 bonus
Santander Bank is again offering new business checking account customers a bonus for opening a new Business Checking or Business Checking Plus account. Previously this was a tiered bonus with the more you deposited, the more you could earn; however, it's a flat offer this time around.
Like before, the balance requirement is based on an average daily balance. That means you don't necessarily need to deposit $2,500 on day one, but the longer you wait to make a deposit, the higher the deposit needs to be in order to average out. They provide more details in the fine print!
Keep in mind that, like most business accounts, you'll need to go in-branch to open. Be sure to mention the promo BUS500Q124SEA to enroll in the offer.
Santander Bank : Business Checking
- Bonus Amount
- up to $500
- Account Type
- Business Checking
- Availability
- CT, DE, FL, MA, NH, NJ, NY, PA, RI
- Offer Expires
- December 31, 2024
- Bonus Requirements
-
- Open a new Business Checking or Business Checking Plus account using the promo code BUS500Q324GEN.
- For 90 days, maintain an average daily balance of $5,000.
- Keep your account open for at least 90 days.
- Bonus will be paid within 30 days of the meeting the requirements.
at Santander Bank
3. Truist Business Checking - $400 bonus
Truist Bank is offering small business owners one of the easiest business checking account bonuses we've seen to date: $400 for depositing $1,500 into your new account. (Well, you'll also have to enroll and sign-in to online banking, but we don't really consider that as much of a hurdle...). This is up from $300 when it was most recently offered.
The Truist Simple Business Checking account has no monthly fee and comes with 50 free transactions each month – in other words, it's perfect for a small business just starting out. If your company has surpassed these thresholds, Truist offers their Dynamic Business Checking account. That one comes with higher limits, but does have a small (and avoidable) maintenance fee.
Keep in mind that you'll have 30 days to complete both requirements, and that your new account will need to remain open for 6 months in order to avoid forfeiting the bonus.
Truist Bank : Business Checking
- Bonus Amount
- $400
- Account Type
- Business Checking
- Availability
- AL, AR, GA, FL, IN, KY, MD, MS, NC, NJ, OH, PA, SC, TN, TX, VA, WV, DC
- Offer Expires
- March 31, 2025
- Bonus Requirements
-
- Open a new Truist business checking account using the promo code SB24Q4BIZAFL.
- 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
4. Flushing Bank Business Checking - up to $2500 bonus
If you have the cash and live within the Flushing Bank footprint, you can earn up to $2,500 for opening a new business checking account. This is a tiered offer, requiring at least $10,000 maintained for 90 days to earn $150. But you'll need $250,000 to earn the full $2,500.
Flushing Bank : Business Checking
- Bonus Amount
- up to $2500
- Account Type
- Business Checking
- Availability
- NY, NJ
- Bonus Requirements
-
- Open a new business checking account in-branch.
- Over the next 90 days, maintain an average balance of $10,000 to earn $150, $50,000 to earn $500, $100,000 to earn $1,000, or $250,000+ to earn the full $2,500.
- Bonus will be posted to the account on or about the 15th of the subsequent month following the account’s three (3) month anniversary
at Flushing 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 $700 bonus
Available nationwide with the ability to open online, J.P. Morgan Wealth Management is offering up to a $700 welcome bonus when you open a new Self-Directed Investing account with qualifying minimum funding.
This is tiered bonus, meaning that the more you deposit, the more you may be eligible to earn. New for this iteration, J.P. Morgan has introduced a lower tier at $5,000, down from the previous $25,000 entry point and raised the max bonus amount!
Here are all 4 tiers of this investing bonus:
| New Money Added | Bonus Amount |
|---|---|
| $5,000-$24,999 | $50 |
| $25,000-$99,999 | $150 |
| $100,000-$249,999 | $325 |
| $250,000+ | $700 |
This is the highest offer that we've seen to-date from J.P. Morgan.
J.P. Morgan Wealth Management : Self-Directed Investing
- Bonus Amount
- up to $700
- Account Type
- Investment
- Availability
- Nationwide
- Offer Expires
- January 23, 2025
- Bonus Requirements
-
- 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 = $700 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 $6000 bonus
Payouts have increased again! E*Trade is now offering new investors up to $6,000 in bonus cash when you open and fund a new investing account. You'll only need $1,000 to earn the first tier bonus ($100)!
They've shuffled all the previous tiers and reinstated the tiers for those with 7+ figures to invest. If you're wanting to earn the full $6,000, you need at least $2M in investable assets.
This offer is available to both new and existing customers; however, different rules may apply, so be sure to check the disclosures at the link below.
E*TRADE Bank : Brokerage Account
- Bonus Amount
- up to $6000
- Account Type
- Investment
- Availability
- Nationwide
- Offer Expires
- January 31, 2025
- Bonus Requirements
-
- Open a new eligible E*TRADE brokerage or retirement account using the link below with promocode REWARD24.
- During the first 60 days, fund your new account with new money as follows: $1,000 - $4,999, earn $100; $5,000 - $19,999, earn $150; $20,000-$99,999 earn $300; $100,000-$199,999 earn $600; $200,000-$499,999 earn $800; $500,000 - $999,999, earn $1,000; $1,000,000 - $1,499,999, earn $3,000; $1,500,000 - $1,999,999 earn $5,000; $2M+, earn $6,000.
- 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
- December 31, 2024
- 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. 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
-
- Open a new SoFi Invest account using the link below (or be an existing user).
- 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.
- 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.
at SoFi
6. Acorns Invest - $20 bonus
Acorns is offering BankBonus.com users a $20 welcome bonus when you open a new Invest account. You just need to open the account from the link below and fund it with $5 to earn the reward.
What's more? They've been running amazing referral bonuses. So, sign up for a new account and then share your referral link with friends and family, and you could be pocketing up to $1,000+ each week!
Acorns : Acorns Invest
- Bonus Amount
- $20
- Account Type
- Investment
- Availability
- Nationwide
- Bonus Requirements
-
- Open a new Acorns Invest account using the link below.
- Fund account with at least $5.
at Acorns
7. Tradestation Brokerage - up to $3500 bonus
Tradestation is offering investors up to $3,500 in bonus cash when you add new funds to a new or existing investing account. You only need $5,000 to earn the first tier bonus ($150), and up to $5M to earn the full $3,500. It's worth noting each of the tiers are considerably higher this time around than when it was previously offered.
Tradestation : Brokerage Account
- Bonus Amount
- up to $3500
- Account Type
- Investment
- Availability
- Nationwide
- Bonus Requirements
-
- Enroll an existing account or open a new account using promo code TSTVAGFD at the url below.
- Within 45 days, fund your account.
- 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+.
- Bonus will be deposited into the account the month following the end of the 270-calendar day holding period.
at Tradestation
8. Bank of America Merrill Edge Self-Directed - up to $600 bonus
Available nationwide with the ability to open online, Bank of America's Merrill Edge is offering up to a $600 welcome bonus when you open a new Merrill Edge Self-Directed account and make an initial deposit.
What's more? There's also a $1,000 Merrill Edge bonus for those enrolled in Bank of America's Preferred Rewards program. The lower tiers are also bumped as well.
We only list the most popular tiers; however, here's a complete list of tiers you can ask for:
- $20,000 to $49,999 – $100
- $50,000 to $99,999 – $150
- $100,000 to $199,999 – $250
- $200,000 to $299,999 – $600
- $300,000 to $499,999 – $1,000
- $500,000 to $999,999 – $1,500
- $1,000,000 or more – $2,500
- $2,000,000 or more – $3,500
- $5,000,000 or more – $5,000
- $10,000,000 or more – $7,500
Bank of America : Merrill Edge Self-Directed
- Bonus Amount
- up to $600
- Account Type
- Investment
- Availability
- Nationwide
- Bonus Requirements
-
- 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
9. Citi® Self Invest - up to $500 bonus
Available nationwide to new and existing customers, Citi is offering up to a $500 bonus when you add new-to-Citi funds to a Citi® Self Invest account.
As is typical with Citi promotions, this is a tiered offer: the more you add, the more you earn. You'll need to deposit at least $10,000 to earn a $100 reward, or at least $200,000 to receive the full $500.
You'll need to also maintain your funds through a date defined on the Citi website, depending on the month in which you open your account.
Citi® : Citi® Self Invest
- Bonus Amount
- up to $500
- Account Type
- Investment
- Availability
- Nationwide
- Bonus Requirements
-
- 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®
10. Charles Schwab Schwab One® - up to $1000 bonus
If you're not currently a Schwab customer, you can open any investment account and earn a referral bonus based on your net deposit within 45 days. This includes retail brokerage accounts, individual retirement accounts, or the managed portfolios like Schwab Intelligent Portfolios®.
Keep in mind that the link above is only for details – you will need to open the account through a referral link from an existing Schwab customer in order to qualify for the promo.
This is a tiered bonus, the more you deposit, the more you can earn.
- Tier 1 | Balance Maintained: $25,000 - $49,999: $100 Bonus
- Tier 2 | Balance Maintained: $50,000 - $99,999: $300 Bonus
- Tier 3 | Balance Maintained: $100,000 - $499,999: $500 Bonus
- Tier 4 | Balance Maintained: $500,000+: $1,000 Bonus
Charles Schwab : Schwab One®
- Bonus Amount
- up to $1000
- Account Type
- Investment
- Availability
- Nationwide
- Bonus Requirements
-
- 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
11. SoFi SoFi - $15 bonus
SoFi is offering a $15 welcome bonus for you and a friend when you refer someone to open a new SoFi account. This bonus is available across most of their products, including: SoFi Money, SoFi Invest, SoFi Loans and a SoFi credit card. You can receive up to $75 total. This isn't exactly the highest bonus we've seen from them, so you'll have to decide if now is the right time or to hold out for something a little more enticing.
It's important to note too that each program has its own set of rules, each of which is outlined on their referral website linked below.
SoFi : SoFi Account
- Bonus Amount
- $15
- Account Type
- Investment
- Availability
- Nationwide
- Bonus Requirements
-
- 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
12. Charles Schwab Schwab One® - $101 bonus
Charles Schwab has a bonus targeting new or entry-level investors in what they call the Schwab Starter Kit™, but new customers of all comfort levels can qualify. When you open a new account for this promo, Schwab will invest your bonus in fractional shares or "slices" of the top stocks by market cap in the S&P 500. Schwab recently upped this bonus from $50 at its previous level. It's a great way to start investing!
Charles Schwab : Schwab One®
- Bonus Amount
- $101
- Account Type
- Investment
- Availability
- Nationwide
- Bonus Requirements
-
- 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
New Jersey Banking Statistics
If you want more insight into banking in New Jersey, we’ve got you covered. We combed through some stats on New Jersey’s banking industry from the FDIC and the Credit Union National Association.
Here’s what we found:
- Number of banks: 53
- Number of state credit unions: 139
- Credit union memberships: 975,185
- Deposit market share: 97.1% banks; 2.9% credit unions
- Largest deposit market: New York/Newark/Jersey City
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