You can earn cash for opening everything from a new checking account or high-yield savings account, to a money market or new brokerage account.
Wait, what?
No, really, it's true. Many financial institutions offer deals to customers signing up for a new account. This perk can be as small as $10 or $20 bucks, or ranging up to thousands of dollars.
Think of it as something like a coupon code when you're shopping online. Companies want your business (and your deposits!), and they're willing to incentivize you to get it.
If you're in New York and looking to open a new account, be sure to check here first or you could be leaving money on the table.
Best checking account bonus offers in New York
If you're looking for a personal checking account, here are the banks and credit unions currently offering cash rewards to new customers:
PNC Virtual Wallet® - up to $400 bonus
PNC Bank : Virtual Wallet®
- Bonus Amount
- up to $400
- Account Type
- Personal Checking
- Offer Expires
- July 1, 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.
TD Bank Beyond Checking - $300 bonus
TD Bank : Beyond Checking
- Bonus Amount
- $300
- Account Type
- Personal Checking
- 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.
Apply Now
at TD Bank
TD Bank Complete Checking - $200 bonus
TD Bank : Complete Checking
- Bonus Amount
- $200
- Account Type
- Personal Checking
- 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.
Apply Now
at TD Bank
KeyBank Personal Checking - $200 bonus
KeyBank : Personal Checking Account
- Bonus Amount
- $200
- Account Type
- Personal Checking
- Offer Expires
- July 19, 2024
- Bonus Requirements
-
- Open a Key Smart Checking® or Key Select Checking℠ account online with at least $10 for Key Smart Checking® or $50 for Key Select Checking℠ by July 19, 2024.
- Within 60 days, make 1 direct deposit of at least $500.
- Bonus will be credited to your account within 90 days of meeting requirements.
- Account must not be closed or restricted during the time of promotional period.
Learn More
at KeyBank
M&T MyChoice Premium - $350 bonus
M&T Bank : MyChoice Premium
- Bonus Amount
- $350
- Account Type
- Personal Checking
- Offer Expires
- April 29, 2024
- Bonus Requirements
-
- Open a new M&T MyChoice Premium Checking account online at the link below or in-branch using the promocode
- Maintain an average daily balance of at least $10,000 for May 2024 and June 2024.
- Bonus will be credit to your account by 07/31/2024.
Apply Now
at M&T
First Horizon Bank FirstView Checking - $450 bonus
First Horizon Bank : FirstView Checking
- Bonus Amount
- $450
- Account Type
- Personal Checking
- Offer Expires
- April 30, 2024
- Bonus Requirements
-
- Open a new FirstView Checking account using your personalized promo code from the link below.
- For the first three full statement cycles, maintain a $5,000 average daily collected balance.
- During the same time period, conduct a minimum of 10 qualifying client-initiated transactions for each statement cycle.
- Bonus will be deposited into your account within 10 business days after qualifying activities are met.
Apply Now
at First Horizon Bank
Flagstar Bank Personal Checking - up to $350 bonus
Flagstar Bank : Personal Checking
- Bonus Amount
- up to $350
- Account Type
- Personal Checking
- Offer Expires
- April 30, 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.
Apply Now
at Flagstar Bank
M&T MyChoice Premium - up to $400 bonus
M&T Bank : MyChoice Premium
- Bonus Amount
- up to $400
- Account Type
- Personal Checking
- Offer Expires
- May 31, 2024
- Bonus Requirements
-
- Open a new M&T MyChoice Premium Checking account online at the link below or in-branch using promocode "TE"
- 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
Apply Now
at M&T
Citizens Personal Checking - up to $400 bonus
Citizens Bank : Personal Checking Account
- Bonus Amount
- up to $400
- Account Type
- Personal Checking
- Offer Expires
- June 6, 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.
Apply Now
at Citizens
Visions Federal Credit Union Personal Checking - up to $200 bonus
Visions Federal Credit Union : Personal Checking
- Bonus Amount
- up to $200
- Account Type
- Personal Checking
- Offer Expires
- June 24, 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.
Apply Now
at Visions Federal Credit Union
M&T Personal Checking - $200 bonus
M&T Bank : Personal Checking Account
- Bonus Amount
- $200
- Account Type
- Personal Checking
- Offer Expires
- June 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.
Apply Now
at M&T
Santander Bank Personal Checking - $400 bonus
Santander Bank : Personal Checking
- Bonus Amount
- $400
- Account Type
- Personal Checking
- Offer Expires
- July 1, 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.
Ballston Spa National Bank Personal Checking - $350 bonus
Ballston Spa National Bank : Personal Checking
- Bonus Amount
- $350
- Account Type
- Personal Checking
- 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.
Apply Now
at Ballston Spa National Bank
Jovia Financial Credit Union Go Green Checking - $150 bonus
Jovia Financial Credit Union : Go Green Checking
- Bonus Amount
- $150
- Account Type
- Personal Checking
- 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.
Apply Now
at Jovia Financial Credit Union
Mid-Hudson Valley Federal Credit Union Personal Checking - $200 bonus
Mid-Hudson Valley Federal Credit Union : Personal Checking Account
- Bonus Amount
- $200
- Account Type
- Personal Checking
- 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.
Apply Now
at Mid-Hudson Valley Federal Credit Union
Sunmark Federal Credit Union Simple Checking - $250 bonus
Sunmark Federal Credit Union : Simple Checking
- Bonus Amount
- $250
- Account Type
- Personal Checking
- 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.
Apply Now
at Sunmark Federal Credit Union
Adirondack Bank Personal Checking - $300 bonus
Adirondack Bank : Personal Checking
- Bonus Amount
- $300
- Account Type
- Personal Checking
- 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.
Flushing Bank Complete Checking - up to $2500 bonus
Flushing Bank : Complete Checking
- Bonus Amount
- up to $2500
- Account Type
- Personal Checking
- 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.
Apply Now
at Flushing Bank
Teachers Federal Credit Union Personal Checking - up to $300 bonus
Teachers Federal Credit Union : Personal Checking
- Bonus Amount
- up to $300
- Account Type
- Personal Checking
- 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.
Apply Now
at Teachers Federal Credit Union
Valley My Choice - up to $150 bonus
Valley Bank : Valley My Choice
- Bonus Amount
- up to $150
- Account Type
- Student Checking
- 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.
Apply Now
at Valley
Jovia Financial Credit Union Go Green Checking - $50 bonus
Jovia Financial Credit Union : Go Green Checking
- Bonus Amount
- $50
- Account Type
- Personal Checking
- Bonus Requirements
-
- Be an existing member of Jovia Financial Credit Union.
- Refer friend and family members to become new members and open a Go Green Checking account.
- Within 14 days of opening the account, ensure your referred individuals deposit at least $100 and maintain that balance for at least 90 days.
- Bonus will deposit automatically once the requirements are met.
Valley All Access Rewards Checking - up to $240 bonus
Valley Bank : Valley All Access Rewards Checking
- Bonus Amount
- up to $240
- Account Type
- Personal Checking
- 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.
Apply Now
at Valley
Webster Bank Private Banking Checking - up to $1000 bonus
Webster Bank : Private Banking Checking
- Bonus Amount
- up to $1000
- Account Type
- Personal Checking
- 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.
Webster Bank Private Banking Checking - up to $500 bonus
Webster Bank : Private Banking Checking
- Bonus Amount
- up to $500
- Account Type
- Personal Checking
- 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.
Webster Bank Private Banking Checking - up to $300 bonus
Webster Bank : Private Banking Checking
- Bonus Amount
- up to $300
- Account Type
- Personal Checking
- 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.
Valley My Choice Teen Checking - $25 bonus
Valley Bank : Valley My Choice Teen Checking
- Bonus Amount
- $25
- Account Type
- Personal Checking
- 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.
Apply Now
at Valley
Best savings account promotions in New York
Here are the banks and credit unions offering New York residents a welcome bonus for opening a new CD, money market, or high-yield savings account:
TD Bank Personal Savings - $200 bonus
TD Bank : Personal Savings Account
- Bonus Amount
- $200
- Account Type
- Personal Savings
- Offer Expires
- April 30, 2024
- Bonus Requirements
-
- Open a TD Savings account using the link below.
- Within 20 days, deposit $20,000 and maintain that balance for 90 days.
- Bonus will be paid on or before 180 days after account opening.
Apply Now
at TD Bank
Jovia Financial Credit Union Youth - $25 bonus
Jovia Financial Credit Union : Youth Accounts
- Bonus Amount
- $25
- Account Type
- Student Savings
- 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.
Suffolk Credit Union Youth Savings - $25 bonus
Suffolk Credit Union : Youth Savings
- Bonus Amount
- $25
- Account Type
- Student Savings
- 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.
Apply Now
at Suffolk Credit Union
Best brokerage account promotions and bonuses in New York
Looking for a new brokerage? If you live in New York, you can get a reward for opening any of these investment accounts:
Sorry, no offers found that match your criteria.
Best business account bonuses in New York
Have a business in New York? These banks and credit unions are running promotional offers if you open a new business account:
M&T Tailored Business Checking - up to $1500 bonus
M&T Bank : M&T Tailored Business Checking
- Bonus Amount
- up to $1500
- Account Type
- Business Checking
- Offer Expires
- June 28, 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.
Apply Now
at M&T
Citi® Business Checking - up to $2000 bonus
Citi® : Business Checking Account
- Bonus Amount
- up to $2000
- Account Type
- Business Checking
- Offer Expires
- July 8, 2024
- Bonus Requirements
-
- Open a new Citibank business checking account in-branch and ask to be enrolled in this offer.
- Within 30 days, deposit $5,000 to earn $300, $20,000 to earn $750, $100,000 to earn $1,500, or $200,000 to earn $2,000.
- Maintain that balance for 60 days.
- The bonus will be credited to your business checking account within 90 days from the end of the month in which you complete the requirements.
Santander Bank Business Checking - up to $500 bonus
Santander Bank : Business Checking
- Bonus Amount
- up to $500
- Account Type
- Business Checking
- 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.
Apply Now
at Santander Bank
Ballston Spa National Bank Business Checking - up to $240 bonus
Ballston Spa National Bank : Business Checking
- Bonus Amount
- up to $240
- Account Type
- Business Checking
- 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.
Apply Now
at Ballston Spa National Bank
Flushing Bank Business Checking - up to $2500 bonus
Flushing Bank : Business Checking
- Bonus Amount
- up to $2500
- Account Type
- Business Checking
- 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