Bank and credit union bonuses
Public sign-up offers from the banks themselves. Each opens a real account, needs your Social Security number and counts as taxable income. Read every requirement before you apply. General information, not financial advice.
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fourleaffcu.com
Offer ends Thu, Dec 31
Bonus $350 bonus, plus up to $200 more over two years
Time, deposit and who can open
- Time
- about 15 min
- Direct deposit
- required
Who can openNew FourLeaf checking customers who open a Free, Smart or Student Checking account by Dec. 31, 2026 and have not received a FourLeaf account-opening bonus.
See the bank’s offer (fourleaffcu.com)CheckedOct 26
citadelbanking.com
Offer ends Thu, Dec 31
Bonus $300, or $500 with a second balance step
Time, deposit and who can open
- Time
- about 15 min
- Direct deposit
- required
Who can openNew Citadel checking customers with no checking account closed in the past 12 months and no prior checking bonus; membership rules apply.WhereOnly DE, MD, NJ, NY, OH, PA, WV
See the bank’s offer (citadelbanking.com)CheckedOct 25
sofi.com
Offer ends Fri, Dec 31, 2027, 11:59 PM ET
Bonus $50 or $400 bonus, based on direct deposits in 25 days
Time, deposit and who can open
- Time
- about 15 min
- Direct deposit
- required
Who can openNew or existing SoFi members who have never set up direct deposit with SoFi and receive a first eligible direct deposit by 12/31/27.
See the bank’s offer (sofi.com)CheckedOct 24
capitalone.com
No set end date
Bonus $75 to $1,500 bonus, based on the amount deposited and held
Time, deposit and who can open
- Time
- about 10 min
- Direct deposit
- not required
Who can openNew 360 Performance Savings customers who open an account on or after April 15, 2026 with code EARN1500; not for anyone who held certain Capital One savings accounts since Jan. 1, 2024.
See the bank’s offer (capitalone.com)CheckedOct 26