New York is one of the largest states in the county by population. Whether you live in the Big Apple or beyond, you’re eligible for dozens of bank promotions in New York, with some offers paying thousands of dollars.
You just have to know where to look.
We’ve tracked down all the best bank bonuses and promotions in New York, outlining the terms and conditions and providing a link to apply or learn more directly from the bank or credit union.
Our Featured Nationwide Bonuses
Here are 3 of our featured bank bonuses that can be obtained nationwide:
HSBC
HSBC Premier
- Bonus
- up to $3000
- Account Type
- Personal Checking
- Expires In
- 39 days
- Requires
- Direct Deposit (optional)
- Min Balance (optional)
BMO
Personal Checking
- Bonus
- $400 Cash Bonus*
- Account Type
- Personal Checking
- Expires In
- 17 days
- Requires
- Direct Deposit
SoFi
SoFi Checking and Savings
- Bonus
- up to $300
- Account Type
- Personal Checking
- Expires In
- 162 days
- Requires
- Direct Deposit
See our list of the Best Banks in NYC
Personal Checking Bonuses in New York
Here are the current personal checking promotions available in NY:
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
- August 31, 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
- August 31, 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. KeyBank Key Smart Checking® - $300 bonus
KeyBank is back with their personal checking bonus and is offering $300 to new Key Smart Checking® account customers after qualifying activities.
You'll need to make the minimum opening deposit of $10, plus one or more eligible direct deposits totaling at least $2,000 within the first 90 days of account opening.
While this isn't quite nationwide, the bonus has a wide footprint and is redeemable online. Check it out!
KeyBank : Key Smart Checking®
- Bonus Amount
- $300
- Account Type
- Personal Checking
- Availability
- AK, CO, CT, ID, IN, MA, ME, MI, NY, OH, OR, PA, UT, VT, WA
- Offer Expires
- December 19, 2025
- Bonus Requirements
-
- Open a no-monthly-maintenance-fee Key Smart Checking® account online with at least $10 by December 19, 2025.
- Within 90 days of account opening, make a total of $2,000 or more in eligible direct deposits.
- Bonus will be credited to your account within 60 days of meeting requirements.
- Account must not be closed at the time of gift payment.
at KeyBank
4. Citizens Personal Checking - up to $400 bonus
Earn $400 for opening a new personal checking account at Citizens Bank – a solid bonus given the low requirements. There's no longer any tricky requirements, just a straightforward bonus for a direct deposit correct.
Citizens Bank : Personal Checking Account
- Bonus Amount
- up to $400
- Account Type
- Personal Checking
- Availability
- CT, DC, DE, FL, MA, MD, MI, NH, NJ, NY, OH, PA, RI, VA, VT
- Offer Expires
- August 26, 2025
- Bonus Requirements
-
- Open a new checking account using the link below.
- Within 60 days, make a direct deposit of $1,000 to earn $400.
- Bonus will be deposited to your new checking account within 4 months of account opening.
at Citizens
5. 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
- August 30, 2025
- Bonus Requirements
-
- Open a new M&T MyChoice Premium Checking account online at the link below or in-branch using promocode
- 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
6. M&T Personal Checking - up to $200 bonus
M&T is offering up to $200 if you open one of their personal checking accounts and make a small direct deposit within 90 days. The amount you earn is dependent on which checking account you open.
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
- Bonus Amount
- up to $200
- Account Type
- Personal Checking
- Availability
- CT, DC, DE, MD, NJ, NY, PA, VA, WV
- Offer Expires
- August 31, 2025
- 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
7. 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
- August 31, 2025
- 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
8. UBT Personal Checking - up to $500 bonus
Union Bank & Trust is offering $500 to new customers that sign up for one of their Simply Free, Simply Free Plus, Simply Free Platinum, or University checking accounts. This is no longer a tiered bonus, meaning regardless of which account you open, you'll earn the same amount.
You'll need to have $2,500 in direct deposits to earn the full reward amount, $500 more than when most recently offered.
Union Bank and Trust : Personal Checking
- Bonus Amount
- up to $500
- Account Type
- Personal Checking
- Availability
- AL, AZ, AR, CO, FL, IL, IA, KS, MN, MO, NE, NY, OK, SD, TX, WY
- Offer Expires
- September 30, 2025
- Bonus Requirements
-
- Open a new Simply Free, Simply Free Plus, Simply Free Platinum, or University checking account.
- Within 90 days, receive direct deposits totaling $2,500 or more.
- Bonus will be credited within 100 days of account opening.
at UBT
9. KeyBank Key Select Checking® - $500 bonus
KeyBank is back with their Key Select Checking® bonus. This time around they are offering $500 to new Key Select Checking® account customers after qualifying activities.
You'll need to make the minimum opening deposit of $50, plus make a total of $5,000 or more in eligible direct deposits within the first 90 days of account opening.
While this isn't quite nationwide, the bonus has a decent size footprint and is redeemable online. Check it out!
KeyBank : Key Select Checking®
- Bonus Amount
- $500
- Account Type
- Personal Checking
- Availability
- AK, CO, CT, ID, IN, MA, ME, MI, NY, OH, OR, PA, UT, VT, WA
- Offer Expires
- December 19, 2025
- Bonus Requirements
-
- Open a Key Select Checking® account online with at least $50 by December 19, 2025.
- Within 90 days, make a total of $5,000 or more in eligible direct deposits.
- Bonus will be credited to your account within 60 days of meeting requirements.
- Account must not be closed at the time of gift payment.
at KeyBank
10. Santander Bank Personal Checking - $400 bonus
Available in select states with the ability to open online, Santander Bank is offering a $400 welcome bonus when you open a new eligible Santander checking account and set up direct deposit.
Keep in mind that you'll need to enter your information (name and email address) on the promo's landing page in order to receive your unique code, which you'll then use on the online application to enroll in the promotion.
A heads up to Florida residents that this promotion is limited to certain zips within Miami-Dade, Monroe, and Broward counties.
Santander Bank : Personal Checking
- Bonus Amount
- $400
- Account Type
- Personal Checking
- Availability
- CT, DE, FL, MA, NH, NJ, NY, PA, RI
- Offer Expires
- December 31, 2025
- 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
11. Teachers Federal Credit Union Student Checking - $100 bonus
Teachers Federal Credit Union is offering students a $100 welcome bonus when you join and open a new personal checking account. You'll need to make 10 transactions with your debit card each of the first 4 months to receive the full bonus. Don't go crazy buying things you don't need, but if you have the spend, this is an easy bonus.
Teachers Federal Credit Union : Student Checking
- Bonus Amount
- $100
- Account Type
- Personal Checking
- Availability
- NY
- Offer Expires
- December 31, 2025
- Bonus Requirements
-
- Bring your high school or college id to Teachers Federal Credit Union, join, and open a new checking account
- During the first 4 statement cycles, each month that you complete 10 purchases, you'll earn $25 and can earn up to $100 total.
at Teachers Federal Credit Union
12. Hanmi Bank Personal Checking - up to $200 bonus
Available in select states, Hanmi Bank is offering up to a $200 welcome bonus when you open a new personal checking account and maintain a minimum balance. This is a tiered offer, where solo accounts can earn $100 or joint accounts $200. Be sure to spend your points within 3 years or they will expire!
What's even more? You can also stack this offer with their business checking account to increase total earnings up to an additional $2,000!
Hanmi Bank : Personal Checking
- Bonus Amount
- up to $200
- Account Type
- Personal Checking
- Availability
- CA, IL, NJ, NY, TX, VA
- Offer Expires
- December 31, 2025
- Bonus Requirements
-
- Open a new personal checking account in branch (joint account required for highest bonus).
- Within 30 days, order and activate your debit card and enroll in uChoose Rewards.
- Starting the first full month, maintain a 3-month average daily balance of $3,000.
- Bonus will be rewarded as uChoose reward points and are credited within 30 days after the qualification period.
at Hanmi Bank
13. Jovia Financial Credit Union Go Green Checking - $150 bonus
Jovia Financial has an easy-to-earn offer available for their no-fee Go Green Checking account. New and first-time Go Green accounts that complete a recurring direct deposit of $100 or more within 60 days will automatically receive the bonus.
On top of the bonus, the Go Green Checking account is currently offering 1.00% interest on the first $25,000 in the account.
Jovia Financial Credit Union : Go Green Checking
- Bonus Amount
- $150
- Account Type
- Personal Checking
- Availability
- NY
- Bonus Requirements
-
- Open a Go Green Checking account with a $100 minimum initial deposit.
- Within 60 days, complete a direct deposit of $100.
- Cash bonus will post automatically to your checking account when requirements are met.
at Jovia Financial Credit Union
14. 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
15. Flushing Bank Complete Checking - up to $350 bonus
Flushing Bank is offering new Complete Checking account customers up to $350. The bonus is tiered based on the amount of activities you complete (unfortunately, they've done away with the tiered amounts based on new money). You'll get $10 just for opening the account, then it's just a matter of depositing new money and connecting your direct deposit to earn the rest.
Flushing Bank : Complete Checking
- Bonus Amount
- up to $350
- Account Type
- Personal Checking
- Availability
- NY, NJ
- Bonus Requirements
-
- Open a new Complete Checking account, earn $10.
- .
- For the first three full calendar months after opening, maintain a monthly average balance of $2,000 to earn $40.
- Within the first 6 months, each month you complete a direct deposit of at least $500 you'll earn $100, up to 3 times.
- Bonuses will be credited on or about the 15th of the subsequent month following the account’s three month anniversary and in the month following the direct deposit.
at Flushing Bank
16. 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
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 York
Here are the current personal savings promotions available in NY:
1. TD Bank Personal Savings - $200 bonus
TD Bank is offering a $200 welcome bonus if you open a new savings account. With the recent drop in required deposit (from $20k to now $10k), it works out to effectively be an interest rate of about 8%.
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
- 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
- August 31, 2025
- Bonus Requirements
-
- Open a TD Savings account using the link below.
- Within 20 days, deposit $10,000 and maintain that balance for 90 days.
- Bonus will be paid on or before 180 days after account opening.
at TD Bank
2. Jovia Financial Credit Union Youth - $25 bonus
Jovia Financial has an easy-to-earn offer available for their Youth Accounts. New and first-time Youth accounts that deposit at least $100 and maintain it for 90 days will automatically receive the $25 bonus.
Jovia Financial Credit Union : Youth Accounts
- Bonus Amount
- $25
- Account Type
- Student Savings
- Availability
- NY
- Bonus Requirements
-
- Be a member of Jovia Federal Credit Union.
- Open a Youth account for your child 17 or younger and deposit at least $100.
- Maintain at least $100 in the Youth account for at least 90 days.
- Amazon gift card will be provided when balance requirements are met.
at Jovia Financial Credit Union
3. Suffolk Credit Union Youth Savings - $25 bonus
Suffolk Federal Credit Union is offering a $25 bonus for youth savings accounts that reach $1,000. It's a small bonus as most youth deals are, but it may help keep up your child's excitement for saving.
Suffolk Credit Union : Youth Savings
- Bonus Amount
- $25
- Account Type
- Student Savings
- Availability
- NY
- Bonus Requirements
-
- Be, or become, a member of Suffolk Federal Credit Union.
- Open a Youth Savings account.
- Reach a balance of $1,000.
- Bonus will be credited within 5 business days.
at Suffolk Credit Union
Business Bonuses in New York
Here are the current business banking promotions available in NY:
1. Newtown Savings Bank Cornerstone Business Checking - $500 bonus
Available in Connecticut (and select NY counties), Newtown Savings Bank is offering a $500 welcome bonus when you open a new business checking account and maintain a minimum balance. It's pretty low at $1,500, so it's worth jumping on if you're in the local footprint.
Newtown Savings Bank : Cornerstone Business Checking
- Bonus Amount
- $500
- Account Type
- Business Checking
- Availability
- CT, NY
- Offer Expires
- August 30, 2025
- Bonus Requirements
-
- Open a new Cornerstone Business Checking account with at least $1,500.
- For 90 days, maintain a minimum daily balance of $1,500.
- Bonus will be credited to your Cornerstone Business Checking account by December 1, 2025
at Newtown Savings Bank
2. 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.
New for 2025: They've added an additional tier for mid-size businesses.
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
- September 30, 2025
- 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; $30,000 to earn $750 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
3. Hanmi Bank Business Checking - up to $2000 bonus
Available in select state, Hanmi Bank is offering up to a $2,000 welcome bonus when you open a new business checking account and maintain a minimum balance. This is a tiered offer, the higher minimum balance you can maintain, the more you can earn. Be sure to spend your points within 3 years or they will expire!
What's even more? You can also receive a $250 rebate on Clover devices when you're a new Merchant Services customer. You can also stack this offer with their personal checking account to increase total earnings.
Hanmi Bank : Business Checking
- Bonus Amount
- up to $2000
- Account Type
- Business Checking
- Availability
- CA, IL, NJ, NY, TX, VA
- Offer Expires
- September 30, 2025
- Bonus Requirements
-
- Open a new business checking account in branch.
- Within 30 days, order and activate your business debit card and enroll in uChoose Rewards.
- Starting the first full month, maintain a 3-month average daily balance as follows: $15,000 ($250 bonus), $50,000 ($1,000 bonus), $100,000 ($2,000 bonus).
- Bonus will be rewarded as uChoose reward points and are credited within 30 days after the qualification period.
at Hanmi Bank
4. 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
- October 6, 2025
- 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®
5. Ballston Spa National Bank Business Checking - up to $240 bonus
Ballston Spa National Bank is offering a tiered bonus structure that let's you decide how much you're willing to earn.
The initial, and largest of the bonuses ($100) does require a high minimum balance, but the smaller bonuses are straightforward and add up.
Be sure to read the terms for each, as some may have monthly fees after an introductory period.
Ballston Spa National Bank : Business Checking
- Bonus Amount
- up to $240
- Account Type
- Business Checking
- Availability
- NY
- Bonus Requirements
-
- Open a new Business or Free Small Business checking account using the link below.
- Within 60 days, deposit and maintain a minimum average balance of $5,000 to earn $100.
- Within the same 60 days, optionally enroll in eStatements, online banking, mobile banking, and/or bill pay to earn an additional $15 for each, enroll in Merchant Services to earn $50, deposit a check using mobile banking to earn $15, and/or make 5 debit card purchases to earn $15 – for a total of $140 in additional rewards.
- Cash bonuses will be deposited into your new checking account within 90 days of account opening.
at Ballston Spa National Bank
6. 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
- October 21, 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. Tastytrade Investment - up to $5000 bonus
Tastytrade is offering new (and existing!) customers up to $5,000 cash when you open a new non-IRA brokerage account and fund the account with at least $5,000. This time around they added a tier, increasing the max bonus from $3,000 to $5,000!
Keep in mind that this is a tiered bonus. You'll need at least $5,000 to earn $100, $25,000 to earn $500, and at least $1,000,000 for the full $5,000 bonus.
This welcome bonus is in addition to other account perks, like reduced fees when you make larger trades.
Tastytrade : Investment Account
- Bonus Amount
- up to $5000
- Account Type
- Investment
- Availability
- Nationwide
- Offer Expires
- August 30, 2025
- Bonus Requirements
-
- Be a new Tastyworks customer (or existing customer that hasn't funded an account).
- Open a new brokerage account using promocode MYNEWBONUS in the REFERRAL CODE FIELD. (IRA and Trust accounts are not eligible)
- Make initial funding deposits totaling $5,000 or more to earn $100; $25,000 - $99,999 to earn $500 or $100,000 - $249,999 to earn $2,000, $250,000 - $499,999 to earn $3,000; $500.000 - $999,999 to earn $4,000 or $1,000,000+ to earn $5,000.
- Bonus will be posted approximately 1 week from the time the initial deposits have settled.
at Tastytrade
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
- September 30, 2025
- 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. 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
- October 31, 2025
- 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
5. 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
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 York Banking Statistics
Banking is a booming industry in the Empire State. We delved into recent reports from the FDIC and the Credit Union National Association to provide some insight into New York’s banks and credit unions.
Here are a few fast facts:
- Number of banks: 117
- Number of state credit unions: 289
- Credit union memberships: 6.72 million
- Deposit market share: 96.0% banks; 4.0% credit unions
- Largest deposit market: New York/Newark/Jersey City
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