The Best Bank Account Bonuses and Promotions of April 2023

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We’ve gone through the best promotions among national, regional banks, and online banks, and below are our top picks for April 2023.

Best Checking Bonuses

• Citigold® Checking Account: Earn cash bonus of up to $2,000 when you maintain a minimum eligible balance and complete required activities
• Citi Priority: Earn cash bonus of $200, $500, $1,000, $1,500, or $2,000 when you maintain a minimum eligible balance and complete required activities
• Huntington Bank Platinum Perks Checking: Earn $600 cash bonus for eligible new customers who open a new, qualifying Huntington Platinum Perks Checking account by June 7, 2023 with qualifying activities
• Huntington Bank Perks Checking: Earn $400 cash bonus for eligible new customers who open a new, qualifying Huntington Bank Perks Checking account by June 7, 2023 with qualifying activities
• U.S. Bank Smartly™ Checking: Earn up to $600 when you open a new U.S. Bank Smartly™checking account and complete qualifying activities 
• TD Bank Beyond Checking Account: Earn $300 for eligible new customers who open a TD Beyond Checking account with qualifying activities
• Chase Total Checking®: Earn $200 bonus when you open a Chase Total Checking® account and set up direct deposit within 90 days of coupon enrollment (offer expires on 04/19/2023)
• TD Bank Convenience Checking Account: Earn $200 for eligible new customers who open a TD Convenience Checking℠ account with qualifying activities
• Bank of America Advantage SafeBalance Banking® Account: Earn $100 bonus for eligible new customers who open a Bank of America Advantage SafeBalance Banking® account with qualifying activities
• Chase Secure Banking℠: Earn $100 when you open a Chase Secure Banking account with qualifying transactions

Best Business Checking Bonuses

Compare Today’s Banking Offers

Experts’ Advice on the Best Bank Account Bonuses

We consulted banking and financial planning experts to inform these picks and provide their advice on finding the best bank account bonus for your needs.

Here’s what they had to say about bank account bonuses. (Some text may be lightly edited for clarity.)

What should I look for in a checking account bonus?

Mykail James, MBA, certified financial education instructor, BoujieBudgets.com:

“If you are using this bank as your main spending account, then you know that you will have less conflict with depositing money in there. It may be beneficial to look at specific things that are getting bonuses, specifically direct deposit.” 

Sophia Acevedo, certified educator in personal finance, banking reporter, Personal Finance Insider:

“I would consider how much money is needed to obtain the bonus. Some banks may have several bonuses available, where you’ll earn bigger bonuses for a higher account balance or direct deposit. See if a particular bonus is right for you and you’re not going out of your way to qualify for it.”

What should I look for in a savings account bonus?

Mykail James, MBA, CFEI:

“If it’s a savings account, and you know that you have a lump sum of money that you want to put into a bank that has maybe a better rate, look at what the benefit is for putting a larger sum of money into that bank account.”

Sophia Acevedo, CEPF:

“I would still pay attention to other factors that I would consider when opening a savings account, like monthly service fees or minimum balance requirements. You’ll want to look at more than just the bonus.”

Bank Account Bonuses: Frequently Asked Questions

How to Qualify for the Best Bank Account Bonuses

Citigold® Checking Account

Bonus amount: Up to $2,000

Expiration date: April 4, 2023

Who qualifies: You qualify as long as you haven’t had a Citi® checking account in the last 180 days and you’re 18 years old.

What you need to do:

• Open a new checking account in the Citigold® Checking Account by April 4, 2023
• To earn $200, you’ll need to have a minimum deposit and minimum balance of $10,000 to $29,999 within 20 days of your account opening.
• To earn $500, you’ll need to have a minimum deposit and minimum balance of $30,000 to $74,999 within 20 days of your account opening.
• To earn $1,000, you’ll need to have a minimum deposit and minimum balance of $75,000 to $199,999 within 20 days of your account opening.
• To earn $1,500, you’ll need to have a minimum deposit and minimum balance of $200,000 to $299,999 within 20 days of your account opening.
• To earn $2,000, you’ll need to have a minimum deposit and minimum balance of $300,000 and above within 20 days of your account opening.
• Maintain your balance for 60 consecutive calendar days after the 21st day from account opening
• If your balance falls to a lower tier at any point during the maintenance period, the bonus changes.

When you’ll receive the money: The bonus will be paid within 30 days after you successfully complete all required activities

Citi Priority

Bonus amount: Up to $2,000

Expiration date: April 4, 2023

Who qualifies: You qualify as long as you haven’t had a Citi checking account in the last 180 days and you’re 18 years old.

What you need to do: 

• Open a new checking account in the Citi Priority Account Package by April 4, 2023
• To earn $200, you’ll need to have a minimum deposit and minimum balance of $10,000 to $29,999 within 20 days of your account opening.
• To earn $500, you’ll need to have a minimum deposit and minimum balance of $30,000 to $74,999 within 20 days of your account opening.
• To earn $1,000, you’ll need to have a minimum deposit and minimum balance of $75,000 to $199,999 within 20 days of your account opening.
• To earn $1,500, you’ll need to have a minimum deposit and minimum balance of $200,000 to $299,999 within 20 days of your account opening.
• To earn $2,000, you’ll need to have a minimum deposit and minimum balance of $300,000 and above within 20 days of your account opening.
• Maintain your balance for 60 consecutive calendar days after the 21st day from account opening
• If your balance falls to a lower tier at any point during the maintenance period, the bonus changes.

When you’ll receive the money: The bonus will be paid within 30 days after you successfully complete all required activities.

Huntington Bank Platinum Perks Checking

Bonus amount: $600

Expiration date: June 7, 2023

Who qualifies: You must open a new Huntington Bank customer to qualify. 

What you need to do: 

When you’ll receive the money: The money will be deposited into your checking account within 14 days after you meet the requirements.

Huntington Bank Perks Checking

Bonus amount: $400

Expiration date:  June 7, 2023

Who qualifies: You must open a new Huntington Bank customer to qualify. 

What you need to do: 

• Open a new Huntington Perks Checking Account by June 7, 2023
• Make a qualifying direct deposit within 60 days of opening your account and maintain a $1,000 account balance for 90 days

When you’ll receive the money: The money will be deposited into your checking account within 14 days after you meet the requirements.

U.S. Bank Smartly™ Checking

Bonus amount: Up to $600

Expiration date: April 11, 2023

Who qualifies: You must open a new US Bank Smartly Checking account online, in a branch, or over the phone. You won’t be eligible if you currently have a US Bank checking account, owned a US Bank checking account in the last six months, or you received a bonus from a US Bank checking account in the last two years.

What you need to do: 

• Open U.S. Bank Smartly™ Checking by April 28, 2023, with the promo code “2023MAR” and a minimum opening deposit of $25
• Enroll in online banking or the US Bank mobile app within the first 90 days of getting the account
• Make two or more direct deposits of $3,000 to $5,999.99 to earn $200, $6,000 to $9,999.99 to earn $400 and $10,000 or more to earn $600

When you’ll receive the money: The money will be deposited into your checking account within 60 days of meeting the requirements.

TD Bank Beyond Checking Account

Bonus amount: $300

Expiration date: April 30, 2023

Who qualifies: You must be a new TD Bank customer to qualify.

What you need to do: 

• Open a new TD Bank Beyond Checking Account 
• Receive at least $2,500 in qualifying direct deposits within 60 days of opening the account
• Keep your account open for at least 6 months

When you’ll receive the money: The money will be deposited into your account around 180 days after opening the account.

Axos Bank Basic Business Checking Account

Bonus amount: Up to $200

Expiration date: June 30, 2023

Who qualifies: You must open a new Axos Bank Basic Business Checking Account.  

What you need to do: 

• Open Axos Bank Basic Business Checking Account and maintain an average daily balance of $2,500 in the first two months after opening the account
• You’ll earn a $200 bonus with the code “NEWBIZ200″ if you’re a new business owner who filed after June 1, 2020. 
• You’ll earn a $100 bonus with the code “NEWAXOSBIZ” if you are a business owner who filed before June 1, 2020. 

When you’ll receive the money: The money will be deposited into your business checking account within five business days of your statement cycle date. You must keep your business checking account open for at least 180 days of you’ll have to pay a $50 early closure fee.

American Express Business Checking

Bonus amount: 30,000 Membership Rewards® points after qualifying activities

Expiration date: Welcome bonus may change or end at any time. 

Who qualifies: You must be an American Express^® Basic Card Member with an American Express consumer or business credit card. Note that you won’t be eligible if you have a American Express® Rewards Checking Account. 

What you need to do: 

• Open a new American Express Business Checking
• Deposit $5,000 or more within the first 30 days of opening your account
• Maintain an average daily account balance of $5,000 or more for at least 60 days
• Make five or more qualifying transactions within 60 days of opening your account

When you’ll receive the money: The money will be deposited into your business checking accounts within eight to 12 weeks after you fufill the requirements. 

Chase Total Checking®

Bonus amount: $200

Expiration date: April 19, 2023

Who qualifies: New personal checking account customers.

What you need to do:

• Open a new Chase Total Checking® account with a coupon code
• Set up direct deposit within 90 days after enrolling

When you’ll receive the money: You’ll receive the $200 within 15 days.

TD Bank Convenience Checking Account

Bonus amount: $200

Expiration date: April 30 , 2023

Who qualifies: You must be a new TD Bank customer to qualify.

What you need to do: 

• Open a new TD Bank Convenience Checking Account 
• Receive at least $500 in qualifying direct deposits within 60 days of opening the account
• Keep your account open for at least 6 months

When you’ll receive the money: The money will be deposited into your account around 180 days after opening the account.

Bank of America Advantage SafeBalance Banking® Account

Bonus amount: $100

Expiration date: June 30, 2023

Who qualifies: It is easy to qualify for and available in 37 US states. To qualify, you be a new Bank of America personal checking account customer. 

What you need to do: 

• Open a Bank of America Advantage SafeBalance, Plus, or Relationship Banking Checking Account through the bank’s promotional page by June 30, 2023
• Receive at least $1,000 in direct deposits within 90 days of opening the account

When you’ll receive the money: The money will be deposited into your account around 60 days after finishing the requirements. 

Chase Secure Banking℠

Bonus amount: $100

Expiration date: April 19, 2023

Who qualifies: You must be a new checking account customer.

What you need to do:

When you’ll receive the money: You’ll get the money deposited into your account 15 days after you’ve completed 10 transactions.