Best Bank Sign-Up Bonuses [2025]

There's hundreds of Bank Sign-Up offers available, so it can get a bit overwhelming. To help make it easy, we've compiled a short list of some of the best nationwide offers available:

Chime

Chime offers a sleek user experience alongside a generous sign up bonus. It has no monthly fees, no overdraft fees, and no minimum balance requirements. Chime provides free ATM access and early direct deposit, making it a convenient and cost-effective option. It has its own credit builder, which you can opt out of. However, its checking account does not yield any interest.

Upgrade

Upgrade offers a unique checking account that stands out due to its lack of monthly fees and cashback debit card, which offers 1% cashback on most purchases. It goes well with the Upgrade high yield savings account, which has a generous 5.21% APY as of writing. Both accounts have their own sign up bonuses:

SoFi

SoFi offers a comprehensive suite of financial services, starting with their checking account which provides no-fee overdraft protection and a 0.5% interest rate. Their savings account pairs well, with instant transfers, overdraft protection to the checking account, and a 4.6% interest rate. Both accounts integrate seamlessly with the many loans that SoFi offers, as well as their brokerage SoFi Invest. SoFi has bonuses for both its checking account and brokerage:

If you're still undecided, there's no harm in opening more bank accounts, so long as they don't perform hard pulls. See our site for more bank accounts and offers: