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:
SoFi
SoFi Checking and Savings
- Bonus
- up to $300
- Account Type
- Personal Checking
- Expires In
- 158 days
- Requires
- Direct Deposit
Discover
Discover® Cashback Checking
- Bonus
- up to $360
- Account Type
- Personal Checking
- Expires In
- Limited Time
- Requires
- Card Spend
Upgrade
Rewards Checking Plus
- Bonus
- $200
- Account Type
- Personal Checking
- Expires In
- Limited Time
- Requires
- Card Spend
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. 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
- September 3, 2024
- 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.
2. TD Bank Beyond Checking - $300 bonus
TD Bank is offering a $300 welcome bonus for opening a personal checking account and using direct deposit within the first 2 months. What's more, you can maximize this promo by also opening a new personal savings account — stacking an extra $200 on top of this offer for a total of $500.
If the $2,500 in direct deposit is too high, they're also running a smaller offer with only a $500 deposit requirement.
While this isn't available nationwide, it is open to a healthy list of states, and is no longer targeted to select customers.
If you're eligible, we definitely recommend claiming this easy bonus.
Offer is available in these states: CT, DC, DE, FL, MA, MD, ME, NC, NH, NJ, NY, PA, RI, SC, VA, VT
TD Bank : Beyond Checking
- Bonus Amount
- $300
- Account Type
- Personal Checking
- Availability
- CT, DC, DE, FL, MD, ME, MA, NC, NH, NJ, NY, PA, RI, SC, VT, VA
- Offer Expires
- January 1, 2025
- Bonus Requirements
-
- Open a TD Beyond Checking account using the link below.
- Within 60 days, have a total of $2,500 in direct deposits.
- Bonus will be paid on or before 180 days after account opening.
at TD Bank
3. TD Bank Complete Checking - $200 bonus
TD Bank is offering a $200 welcome bonus for opening a personal checking account and using direct deposit within the first 2 months. What's more, you can maximize this promo by also opening a new personal savings account — stacking an extra $200 on top of this offer for a total of $400.
This is the highest we've seen this offer so now might be a great time to jump on it if you've been on the fence.
This is the smaller of 2 personal checking welcome offers that TD is currently running, with the other requiring a $2,500 direct deposit for a $300 bonus.
While this isn't available nationwide, it is open to a healthy list of states, and is no longer targeted to select customers.
If you're eligible, we definitely recommend claiming this easy bonus. Offer is available in these states: CT, DC, DE, FL, MA, MD, ME, NC, NH, NJ, NY, PA, RI, SC, VA, VT
TD Bank : Complete Checking
- Bonus Amount
- $200
- Account Type
- Personal Checking
- Availability
- CT, DC, DE, FL, MD, ME, MA, NC, NH, NJ, NY, PA, RI, SC, VT, VA
- Offer Expires
- January 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
4. KeyBank Personal Checking - $300 bonus
KeyBank is back with their personal checking bonus, but this time it's even sweeter of a deal! KeyBank is now 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 eligible direct deposit of at least $1,000 within the first 60 days of account opening.
While this isn't quite nationwide, the bonus has a wide footprint and is redeemable online. Check it out!
KeyBank : Personal Checking Account
- 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 13, 2024
- Bonus Requirements
-
- Open a no-monthly-maintenance-fee Key Smart Checking® account online with at least $10 by December 13, 2024.
- Within 60 days, make 1 eligible direct deposit of at least $1,000.
- 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
5. First Horizon Bank FirstView Checking - $450 bonus
Available in select SouthEastern states, First Horizon Bank is offering a $450 welcome bonus when you open a new personal checking account and complete make a qualified direct deposit. Previously, this offered required a minimum balance and other activities.
First Horizon Bank : FirstView Checking
- Bonus Amount
- $450
- Account Type
- Personal Checking
- Availability
- AL, AR, FL, GA, KY, LA, MS, NC, NY, SC, TN, TX, VA
- Offer Expires
- July 31, 2024
- Bonus Requirements
-
- Open a new FirstView Checking account using your personalized promo code from the link below.
- Within 90 days, make qualifying direct deposits totaling at least $1,000.
- Bonus will be deposited into your account within 10 business days after qualifying activities are met.
at First Horizon Bank
6. 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
- July 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
7. Suffolk Credit Union Momentum Checking - up to $300 bonus
Within their very tight footprint in New York, Suffolk Credit Union is offering up to a whopping $300 bonus when you meet the deposit requirements. Each 30 day period, starting with Day 1, that you successfully complete a single deposit of at least $500, you'll earn $100.
On top of that, each month that you maintain an average daily balance of at least $5,000 and complete at least 20 debit card purchases you will automatically receive 1.50% Annual Percentage Yield (APY) applied to balances up to $20,000.
Suffolk Credit Union : Momentum Checking
- Bonus Amount
- up to $300
- Account Type
- Personal Checking
- Availability
- NY
- Offer Expires
- July 31, 2024
- Bonus Requirements
-
- Become a member (or be an existing member without a checking account) and open a new Momentum Checking account.
- For the first 3 months, deposit at least $500 in one transaction (with money not already on deposit at Suffolk Credit Union) and earn $100 each month.
at Suffolk Credit Union
8. Citizens Personal Checking - up to $400 bonus
Earn up to $400 for opening a new personal checking account at Citizens Bank – a solid bonus given the low requirements. You'll earn $300 for opening the checking account plus an opportunity to earn another $100 through debit spend.
If you're also eligible to be a new savings account owner and have $15,000 to park for 3 months, Citizens is running a separate promo that results in a total of $700 for opening both accounts.
Otherwise, stick with this promo, since you'll earn $300 for opening the checking account plus an opportunity to earn another $100 through debit spend.
Citizens Bank : Personal Checking Account
- Bonus Amount
- up to $400
- Account Type
- Personal Checking
- Availability
- CT, DC, DE, FL, MA, MD, MI, NH, NJ, NY, OH, PA, RI, VA, VT
- Offer Expires
- August 1, 2024
- Bonus Requirements
-
- Open a new checking account using the link below.
- Within 60 days, make a direct deposit of $500 to earn $300.
- Within the same 60 days, earn $2 for every debit card purchase you make, up to $100.
- Bonus will be deposited to your new checking account within 4 months of account opening.
at Citizens
9. 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
- September 30, 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
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
- September 30, 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.
11. M&T EZChoice Checking - $100 bonus
M&T is offering $10 if you open an EZChioce checking account and make a small direct deposit within 90 days.
If you're able to meet the requirements to waive fees, opening one of their premium checking accounts (and later downgrading the account) will net you more in their $250 offer.
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 : EZChoice Checking
- Bonus Amount
- $100
- Account Type
- Personal Checking
- Availability
- CT, DC, DE, MD, NJ, NY, PA, VA, WV
- Offer Expires
- September 30, 2024
- Bonus Requirements
-
- Open a new M&T EZChoice Checking account using the link below.
- Within 90 days, make at least $500 in direct deposits.
at M&T
12. 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
13. Teachers Federal Credit Union Personal Checking - up to $300 bonus
Teachers Federal Credit Union is offering up to a $300 welcome bonus when you join and open a new personal checking account. It's broken into two parts, with each one being optional: a direct deposit offer (up to $200) and a debit spend bonus (up to $100). It's up to you to decide how much free money you want. This time around they're are spreading the requirements out over 4 months.
Have a referral? This offer will stack with their $50 referral bonus as well.
Teachers Federal Credit Union : Personal Checking
- Bonus Amount
- up to $300
- Account Type
- Personal Checking
- Availability
- NY
- Bonus Requirements
-
- Join Teachers Federal Credit Union and open a new checking account with promo code JOIN2023.
- For the first 4 months, each month you make direct deposits totaling at least $1,000, earn $50.
- For the first 4 months, members will earn 2.00% cash back on the first $500 of qualifying debit card purchases and 3.00% cash back on the next $500 of qualifying purchases, up to $25 in bonus cash per month.
- Bonus(es) will be deposited within 30 days of qualifying.
at Teachers Federal Credit Union
14. 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
15. Sunmark Federal Credit Union Simple Checking - $250 bonus
If you qualify for membership in select New York counties, Sunmark Credit Union is offering a super easy $250 bonus. All you have to do is establish a direct deposit of $250 or more. Keep in mind though, that if you close your account within 6 months they will clawback the bonus. If you're in their service area we recommend giving Sunmark FCU a shot!
Sunmark Federal Credit Union : Simple Checking
- Bonus Amount
- $250
- Account Type
- Personal Checking
- Availability
- NY
- Bonus Requirements
-
- Open a new Simple Checking account.
- Opt-in for eStatements and log into Sunmark’s Online or Mobile Banking.
- Within 60 days, complete a direct deposit of at least $250.
- Bonus will be deposited into the member’s account within 45 days thereafter if all qualifications are met after 60 days.
- Offer will be deducted if account is no longer open after six months.
at Sunmark Federal Credit Union
16. Mid-Hudson Valley Federal Credit Union Personal Checking - $200 bonus
Mid-Hudson Valley Federal Credit Union (MHV) is offering new personal checking customers a $200 welcome bonus. The direct deposit requirement is small, and the accounts it applies to are free and can be opened online. Check it out!
Mid-Hudson Valley Federal Credit Union : Personal Checking Account
- Bonus Amount
- $200
- Account Type
- Personal Checking
- Availability
- NY
- Bonus Requirements
-
- Open a new checking account using the promo code PEEKSKILL200.
- Within 60 days, receive a direct deposit of $500.
- Bonus will be deposited within 30 days of meeting the requirements.
at Mid-Hudson Valley Federal Credit Union
17. Adirondack Bank Personal Checking - $300 bonus
Available in New York State only, Adirondack Bank is offering a $300 welcome bonus when you open a new personal checking account and set up direct deposit. This bonus is relatively easy to earn, so if you have a branch nearby, you may want to jump on this offer while it's available. What's even more? College students can take advantage of this offer, a rarity in bank bonuses.
Adirondack Bank : Personal Checking
- Bonus Amount
- $300
- Account Type
- Personal Checking
- Availability
- NY
- Bonus Requirements
-
- Open a new Adirondack Bank personal checking account in branch.
- Within 90 days of account opening, complete a recurring direct deposit of $250 or more.
- Keep the account open and in good standing for a minimum of 90 days.
18. 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
19. 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
20. Ballston Spa National Bank Personal Checking - $350 bonus
Ballston Spa National Bank is offering a $350 bonus to new members who open a personal checking account. Just set up a direct deposit and maintain that for 3 consecutive months and you're good to go.
Ballston Spa National Bank : Personal Checking
- Bonus Amount
- $350
- Account Type
- Personal Checking
- Availability
- NY
- Bonus Requirements
-
- Open a new Free Direct, GO or Premier Checking account using the link below.
- Within 60 days, receive a recurring direct deposit of at least $500.
- For the following 2 consecutive months, maintain the direct deposit.
- Bonus will be paid within 30 days of meeting the requirements.
at Ballston Spa National Bank
21. 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.
22. 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.
23. 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.
24. 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
25. Valley All Access Rewards Checking - up to $240 bonus
Valley National Bank is offering a bonus of $20 per month for an entire year to customers who open an All Access Rewards Checking Account. To receive the full $240 bonus, you'll need to maintain recurring direct deposits each month.
Valley Bank : Valley All Access Rewards Checking
- Bonus Amount
- up to $240
- Account Type
- Personal Checking
- Availability
- AL, FL, NJ, NY
- Bonus Requirements
-
- Open a new All Access Rewards Checking Account using the link below.
- For the next 12 months, receive $750 or more in qualifying direct deposits each month to earn $20.
- The bonus will be credited within 35 days of each month's qualifying direct deposit.
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 York
Here are the current personal savings promotions available in NY:
1. 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.
2. 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. Santander Bank Business Checking - up to $500 bonus
Santander Bank is again offering new business checking account customers a bonus for opening a new Business Checking or Business Checking Plus account. Previously this was a tiered bonus with the more you deposited, the more you could earn; however, it's a flat offer this time around.
Like before, the balance requirement is based on an average daily balance. That means you don't necessarily need to deposit $2,500 on day one, but the longer you wait to make a deposit, the higher the deposit needs to be in order to average out. They provide more details in the fine print!
Keep in mind that, like most business accounts, you'll need to go in-branch to open. Be sure to mention the promo BUS500Q124SEA to enroll in the offer.
Santander Bank : Business Checking
- Bonus Amount
- up to $500
- Account Type
- Business Checking
- Availability
- CT, DE, FL, MA, NH, NJ, NY, PA, RI
- Offer Expires
- July 30, 2024
- Bonus Requirements
-
- Open a new Business Checking or Business Checking Plus account using the promo code BUS500Q124SEA.
- For 90 days, maintain an average daily balance of $2,500.
- Keep your account open for at least 90 days.
- Bonus will be paid within 30 days of the meeting the requirements.
at Santander 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.
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, 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
3. Citi® Business Checking - up to $2000 bonus
CitiBusiness if offering up to $2,000 when you open a new business checking account in-branch and make a minimum deposit within 30 days.
This is a tiered offer, where the more you deposit the more you earn (starting at a $300 bonus for $5,000, up to the full $2,000 for depositing a cumulative $200,000).
If you have the cash and live close to a physical branch, this is a solid welcome bonus. The lowest tier represents a 12% effective rate on your savings – not bad!
Branches currently located in the following metropolitan areas: Los Angeles (CA), Orange County (CA), Riverside (CA), San Diego (CA), San Francisco (CA), Miami (FL), Chicago (IL), Baltimore (MD), Las Vegas (NV), New York City (NY), and Washington, DC.
Citi® : Business Checking Account
- Bonus Amount
- up to $2000
- Account Type
- Business Checking
- Availability
- CA, FL, IL, MD, NV, NY, DC
- Offer Expires
- January 7, 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 $750, $100,000 to earn $1,500, or $200,000 to earn $2,000.
- Starting Day 46, Maintain that balance for 45 consecutive days.
4. 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
5. 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
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 11, 2024
- 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 $5000 bonus
Payouts have increased again! E*Trade is now offering new investors up to $5,000 in bonus cash when you open and fund a new investing account. You'll only need $50 to earn the first tier bonus ($100)!
They've shuffled all the previous tiers and reinstated the tiers for those with 7+ figures to invest. If you're wanting to earn the full $5,000, you need at least $1.5M in investable assets.
This offer is available to both new and existing customers; however, different rules may apply, so be sure to check the disclosures at the link below.
E*TRADE Bank : Brokerage Account
- Bonus Amount
- up to $5000
- Account Type
- Investment
- Availability
- Nationwide
- Offer Expires
- July 31, 2024
- 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: $50 - $999, earn $100; $1,000 - $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+ earn $5,000.
- 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. TD Bank Automated Investing - up to $750 bonus
TD is getting in the robo-advisor game and offering up to $750 when you open a new TD Automated Investing account. This is a tiered bonus where you can earn more depending on how much money you can invest.
TD Bank : Automated Investing
- Bonus Amount
- up to $750
- Account Type
- Investment
- Availability
- Nationwide
- Offer Expires
- July 31, 2024
- Bonus Requirements
-
- Open a new TD Automated Investing account with at least $1,000.
- Within 30 days, fund your new account as follows: $1,000 - $4,999, earn $50; $5,000 - $24,999, earn $150; $25,000 - $49,999, earn $250; $50,000 – $74,999, earn $450; $75,000+, earn $750.
- Maintain a minimum balance of $1,000 for 90 calendar days after your TD Automated Investing account is approved.
- Bonus will be credited to your new TD Automated Investing account within 15 calendar days of meeting eligible offer requirements
at TD Bank
4. U.S. Bancorp Investments Wealth Management - up to $1000 bonus
Available nationwide, U.S. Bancorp Investments is offering up to a $1,000 welcome bonus when you open a new investment account and add balances. You'll need at least $250,000 to be eligible for the first tier, which is pretty steep to earn a $250 bonus; however, if you have the cash and looking to invest with U.S. Bank it's an easy bonus.
U.S. Bancorp Investments : Wealth Management
- Bonus Amount
- up to $1000
- Account Type
- Investment
- Availability
- Nationwide
- Offer Expires
- August 31, 2024
- Bonus Requirements
-
- Speak with a financial advisor and open a new investment account with U.S. Bancorp Investments.
- Deposit $250,000 - $499,999 to earn $250; $500,000 - $999,999 to earn $500; 1,000,000+ to earn $1,000.
- Maintain balances through December 31, 2024.
- Bonus will be applied on January 30, 2025
5. 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
- Offer Expires
- September 30, 2024
- 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®
6. 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, 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®
7. Robinhood Investing - Free stock (up to $200) bonus
Robinhood is a commission-free stock trading platform that's had mixed headlines in the news (GME, what?). But Robinhood is a popular choice – particularly among beginner investors – due to their sleek, easy-to-use app.
This is a program that many investment apps now offer, but Robinhood pioneered: sign up and get a free stock. The stock has a 98% chance of being worth $5-$10, so this isn't an amazing bonus, but it's something for almost nothing (you don't even need to fund your account). The stock will hit your account within a week, and is tradeable 2 days after that.
Robinhood : Investing Account
- Bonus Amount
- Free stock (up to $200)
- Account Type
- Investment
- Availability
- Nationwide
- Bonus Requirements
-
- 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
8. SoFi Invest - up to $10000 bonus
SoFi is offering customers a cash bonus to move your portfolio over to SoFi. The bonus is tiered, and you'll need to transfer $5 million in assets to earn the full $10,000 (steep!), but the bonus starts at $100 for transferring $5,000.
Keep in mind that although SoFi will pay out the bonus within 14 business days of the end of the promo period, they'll claw it back if you withdraw those funds within 180 days. They'll even refund up to $75 in ACAT fees from your other brokerage!
SoFi : Sofi Invest
- Bonus Amount
- up to $10000
- Account Type
- Investment
- Availability
- Nationwide
- Bonus Requirements
-
- 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
9. Acorns Invest - $20 bonus
Acorns is offering BankBonus.com users a $20 welcome bonus when you open a new Invest account. You just need to open the account from the link below and fund it with $5 to earn the reward.
What's more? They've been running amazing referral bonuses. So, sign up for a new account and then share your referral link with friends and family, and you could be pocketing up to $1,000+ each week!
Acorns : Acorns Invest
- Bonus Amount
- $20
- Account Type
- Investment
- Availability
- Nationwide
- Bonus Requirements
-
- Open a new Acorns Invest account using the link below.
- Fund account with at least $5.
at Acorns
10. Fidelity Personal - $100 bonus
Fidelity is offering a super easy $100 bonus to customers who open a new Fidelity Account®, Cash Management Account, or a Roth or traditional IRA.
To earn the bonus, you'll just need to fund the new account with $50. Then, 10 days later, your account will be $100 richer.
Keep in mind that the fine print says that you'll need to maintain the bonus award in the account for at least 90 days, otherwise you could forfeit it.
Fidelity Investments : Personal Account
- Bonus Amount
- $100
- Account Type
- Investment
- Availability
- Nationwide
- Bonus Requirements
-
- Open a new eligible account using the promo code FIDELITY100.
- Within 15 days, deposit $50.
- Bonus will be deposited directly to the eligible account within 10 calendar days after the qualification period.
at Fidelity
11. Tradestation Brokerage - up to $3500 bonus
Tradestation is offering investors up to $3,500 in bonus cash when you add new funds to a new or existing investing account. You only need $5,000 to earn the first tier bonus ($150), and up to $5M to earn the full $3,500. It's worth noting each of the tiers are considerably higher this time around than when it was previously offered.
Tradestation : Brokerage Account
- Bonus Amount
- up to $3500
- Account Type
- Investment
- Availability
- Nationwide
- Bonus Requirements
-
- 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
12. Bank of America Merrill Edge Self-Directed - up to $600 bonus
Available nationwide with the ability to open online, Bank of America's Merrill Edge is offering up to a $600 welcome bonus when you open a new Merrill Edge Self-Directed account and make an initial deposit.
What's more? There's also a $1,000 Merrill Edge bonus for those enrolled in Bank of America's Preferred Rewards program. The lower tiers are also bumped as well.
We only list the most popular tiers; however, here's a complete list of tiers you can ask for:
- $20,000 to $49,999 – $100
- $50,000 to $99,999 – $150
- $100,000 to $199,999 – $250
- $200,000 to $299,999 – $600
- $300,000 to $499,999 – $1,000
- $500,000 to $999,999 – $1,500
- $1,000,000 or more – $2,500
- $2,000,000 or more – $3,500
- $5,000,000 or more – $5,000
- $10,000,000 or more – $7,500
Bank of America : Merrill Edge Self-Directed
- Bonus Amount
- up to $600
- Account Type
- Investment
- Availability
- Nationwide
- Bonus Requirements
-
- 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
13. Charles Schwab Schwab One® - up to $1000 bonus
If you're not currently a Schwab customer, you can open any investment account and earn a referral bonus based on your net deposit within 45 days. This includes retail brokerage accounts, individual retirement accounts, or the managed portfolios like Schwab Intelligent Portfolios®.
Keep in mind that the link above is only for details – you will need to open the account through a referral link from an existing Schwab customer in order to qualify for the promo.
This is a tiered bonus, the more you deposit, the more you can earn.
- Tier 1 | Balance Maintained: $25,000 - $49,999: $100 Bonus
- Tier 2 | Balance Maintained: $50,000 - $99,999: $300 Bonus
- Tier 3 | Balance Maintained: $100,000 - $499,999: $500 Bonus
- Tier 4 | Balance Maintained: $500,000+: $1,000 Bonus
Charles Schwab : Schwab One®
- Bonus Amount
- up to $1000
- Account Type
- Investment
- Availability
- Nationwide
- Bonus Requirements
-
- 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.
14. Fidelity Youth - $50 bonus
Fidelity is offering a $50 welcome bonus to teens who open a new Youth account. These accounts are one-stop shops for saving, spending and investing. They'll earn 5¢ every time they use their debit card, can automate their savings, invest in US stocks and Fidelity mutual funds – and parents can oversee it all, getting notified of their teen's trades and transactions.
A parent or guardian needs to first have their own Fidelity brokerage account in order to open the youth account for their teen, but if you're new to Fidelity, you can not only open both accounts at the same time, but you'll also earn $100 bonus yourself once you fund your new account.
Fidelity Investments : Fidelity Youth Account
- Bonus Amount
- $50
- Account Type
- Investment
- Availability
- Nationwide
- Bonus Requirements
-
- Parent or guardian opens the Fidelity Youth Account on behalf of their teen.
- Teen activates their new account by downloading the app, creating a login, and agreeing to the T&C.
- Bonus will be deposited within 3-5 business days.
at Fidelity
15. SoFi SoFi - $15 bonus
SoFi is offering a $15 welcome bonus for you and a friend when you refer someone to open a new SoFi account. This bonus is available across most of their products, including: SoFi Money, SoFi Invest, SoFi Loans and a SoFi credit card. You can receive up to $75 total. This isn't exactly the highest bonus we've seen from them, so you'll have to decide if now is the right time or to hold out for something a little more enticing.
It's important to note too that each program has its own set of rules, each of which is outlined on their referral website linked below.
SoFi : SoFi Account
- Bonus Amount
- $15
- Account Type
- Investment
- Availability
- Nationwide
- Bonus Requirements
-
- 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).
16. Charles Schwab Schwab One® - $101 bonus
Charles Schwab has a bonus targeting new or entry-level investors in what they call the Schwab Starter Kit™, but new customers of all comfort levels can qualify. When you open a new account for this promo, Schwab will invest your bonus in fractional shares or "slices" of the top stocks by market cap in the S&P 500. Schwab recently upped this bonus from $50 at its previous level. It's a great way to start investing!
Charles Schwab : Schwab One®
- Bonus Amount
- $101
- Account Type
- Investment
- Availability
- Nationwide
- Bonus Requirements
-
- 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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