Sign-up bonus hunters

Editor's choice

Personal

Our pick when you are opening a new personal account.

Editor's choice

SoFi Checking and Savings

SoFi Bank, N.A.

Bank

Monthly fee

$0No account, service, or maintenance fee. Outgoing wires, Instant Transfers, and global remittances are charged separately.as of Oct 30, 2026 source

APY

3.30%Savings APY with eligible direct deposit, as of Oct 20, 2026. No minimum balance. New members can get a 1.10% boost for up to 6 months, up to 4.40%, if they qualify.as of Oct 30, 2026 source

Sign-up bonus

Up to $400Direct deposit bonus through Dec 31, 2027. $50 if eligible deposits total $1,000 to $4,999.99 in 25 days. $400 at $5,000 or more. $0 below $1,000. One bonus per member.as of Oct 30, 2026 source

Min. deposit

$0as of Oct 30, 2026 source

• No monthly fee
• 3.30% savings APY with direct deposit
• Up to $400 direct deposit bonus

Open account for SoFi Checking and Savings, opens in a new tabRead review of SoFi Checking and SavingsCompare SoFi Checking and SavingsCompare

What matters for you

• Sign-up bonus
• Bonus terms
• Eligibility

Accounts to compare

Listed alphabetically. This is not a ranking. The editor's choice above is our recommendation for opening a new account. Fees, rates, and bonuses are copied from each provider's site and dated. How we review

• Best for Branch checking with a direct-deposit waiver

  Bank of America Advantage

  Bank of America

  Bank

  Monthly fee

  $12Advantage Plus. $0 with a qualifying direct deposit of $250 or more, a $1,500 minimum daily balance, or Preferred Rewards at Preferred Plus or higher. $100 to open. Non-interest bearing. Fee schedule effective Aug 7, 2026.as of Oct 30, 2026 source

  APY

  0%Advantage Plus is non-interest bearing.as of Oct 30, 2026 source

  Sign-up bonus

  Noneas of Oct 30, 2026 source

  Min. deposit

  $100as of Oct 30, 2026 source

  • $12 monthly fee, or $0 if you qualify
  • $100 to open
  • Non-interest bearing

  Open account for Bank of America Advantage, opens in a new tabRead review of Bank of America AdvantageCompare Bank of America AdvantageCompare
• Best for Branch banking with a way to waive the fee

  Chase Total Checking

  Chase

  Bank

  Monthly fee

  $15$0 with $500 or more in qualifying electronic deposits, a $1,500 balance at the start of each day, a $5,000 average beginning balance with linked deposits or investments, or a linked qualifying checking account.as of Oct 30, 2026 source

  APY

  Not listedas of Oct 30, 2026 source

  Sign-up bonus

  Noneas of Oct 30, 2026 source

  Min. deposit

  Not listedas of Oct 30, 2026 source

  • $15 monthly fee, or $0 if you qualify
  • FDIC insurance
  • More than 14,000 ATMs

  Open account for Chase Total Checking, opens in a new tabRead review of Chase Total CheckingCompare Chase Total CheckingCompare
• Best for A debit account with no monthly fee

  Discover

  Discover

  Bank

  Monthly fee

  $0Cashback Debit has no monthly fees and no balance requirement, per Discover's product page.as of Oct 30, 2026 source

  APY

  Not listedDiscover's product page does not publish an APY for Cashback Debit.as of Oct 30, 2026 source

  Sign-up bonus

  Noneas of Oct 30, 2026 source

  Min. deposit

  Noneas of Oct 30, 2026 source

  • No monthly fee
  • No balance requirement

  Open account for Discover, opens in a new tabRead review of DiscoverCompare DiscoverCompare
• Best for Everyday checking with a fee you can waive

  Wells Fargo

  Wells Fargo

  Bank

  Monthly fee

  $15Everyday Checking. $0 with $500 in qualifying electronic deposits, a $1,500 minimum daily balance, $5,000 in qualifying deposit or investment balances, if the primary owner is 17 to 24, or with a qualifying military direct deposit.as of Oct 30, 2026 source

  APY

  Not listedas of Oct 30, 2026 source

  Sign-up bonus

  Noneas of Oct 30, 2026 source

  Min. deposit

  Not listedas of Oct 30, 2026 source

  • $15 monthly fee, or $0 if you qualify
  • Everyday Checking
  • Fee schedule effective Jul 28, 2026

  Open account for Wells Fargo, opens in a new tabRead review of Wells FargoCompare Wells FargoCompare

How to choose

• Read the bonus terms on the provider's site before you apply. The amount on an ad can expire.
• Check what counts as a qualifying deposit and the deadline.
• See whether the bonus is reported as income. Ask a tax professional if you are unsure.