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Best Bank Account Bonuses For October, 2023 – Doctor Of Credit

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Below we’ve listed the best checking & saving account bonuses in order from best to worst for October, 2023. We’ve also included a little bit of information on each bonus, make sure you click through and read our detailed posts on each offer before signing up – that way you won’t be caught unawares of hidden fees.

Note: This page is updated monthly and keeps the same URL, so feel free to bookmark it or link to it knowing that it’ll be kept up to date. Because of this the comment section might contain discussion about deals that are no longer current, please keep that in mind. You can view the most recent changes by clicking here.

Contents

Best Checking Account Bonuses

Chase $900 Checking/Savings Bonus

Direct link to offer

This is a savings bonus as well, but you have to do both to get the full $900 bonus. Savings portion requires a $15,000 deposit for 90 days.

Wells Fargo $2,500 Premier Checking Bonus

Direct link to offer

Requires $250,000 in cash or investments. Must be opened in a Wells Fargo branch. Account also has a $35 month fee, waived if you have $250,00 balance.

WeBull $3,000 Cash Management Bonus

Direct link to offer

Requires $500,000 in cash for the highest $3,000 bonus or you can get $1,200 with $100,000. There are  other tiers as well.

Chartway Federal Credit Union $200 Checking Bonus, Direct Deposit Not Required

Direct link to offer

Unfortunately ChexSystems sensitive, bonus itself is great.

Capital One $350 Checking Bonus

Direct link to offer

Has been as high as $400 in the past.

Wells Fargo $325 Checking Bonus

Direct link to offer

Can be opened online. Requires $1,000 direct deposit.

SkyOne Federal Credit Union $600 Checking Bonus

Direct link to offer

It’s nice that you can get a lot of the bonus without a direct deposit, it is a convoluted bonus though.

PSECU $300 Checking Bonus

Direct link to offer

This is technically PA only, but anybody can join Pennsylvania Recreation and Park Society (PRPS) for $20 and you get $10 of that back.

PNC $200/$400 Checking Bonus

Direct link to offer

The offer available depends on where you live.

First Tech Federal Credit Union $350

Direct link to offer

This is really a $200 checking bonus and then another $150 that requires $1,500 in spend in specific categories.

American Express $250 Bonus

Direct link to offer

This is the first personal bonus we’ve seen from American Express.

Oxygen $110 Referral Bonus

Direct link to offer

Nice if you can refer P2.

Wallet by Boss Money $100 Referral Bonus

Direct link to offer

Both sides get a $100 bonus, requires a huge $5,000 direct deposit though.

Affinity Federal Credit Union $100 Referral Bonus

Direct link to offer

Affinity have offered a $150 bonus in this past, this is better if you’re referred by a friend or family member and they are happy to give some of their bonus.

Unify Financial Credit Union $50 Checking Bonus + Two LA Rams Tickets

Direct link to bonus

How useful the deal is will depend on the Rams tickets you end up getting.

Charles Schwab Up To $500 Bonus

Direct link to bonus

This is now a soft pull making it much more interesting. People like this account because the account is quite useful (e.g ATM fees reimbursed, no fees for foreign transaction withdrawals) and you can also get this account and a brokerage account at the same time for one hard pull. The brokerage account then gives you access to the Charles Schwab credit cards. Obviously not for everybody, but a pretty good combination.

Lili Bank $100 + $100

Direct link to offer

Can get $100 via referral and another $100 via drop/Swagbucks.

Revolut Savings Bank $50

Direct link to offer

Account also earns 5% APY.

Kinecta $250 Bonus

Direct link to offer

Similar to the Amalgamated bonus readers are having difficulties getting approved for this bonus.

Fidelity $100 Bonus

Direct Link to offer

Signup and a simple $50 deposit gets you $100. Use promo code FIDELITY100. Works on a a Fidelity Cash Management account, investment account, Roth IRA, or Traditional IRA account.

Fidelity Bloom $130 Bonus

Direct Link to offer

Signup and a simple $50 deposit gets you $50. Deposit $300 and get additional $30. In future years you can deposit $300 and get $15.

Fidelity Youth Account $50

Direct link to offer

Must be aged 13 – 17 to be eligible.

Best Saving Account Bonuses

Citi Up To $2,000 Bonus – No Direct Deposit Required

Direct link to offer

This is really more of a savings bonus as it requires a large deposit. Works out to be 10% APY for the best bonus.

Wells Fargo $525 Saving Bonus

Direct link to offer

Requires a deposit of $25,000 within 30 days.

Ameriprise Financial $500 Savings Bonus

Direct link to offer

Unfortunately can’t open online, but looks like you might be able to start the application on the phone and then complete it online. Requires a $25,000 deposit.

Alliant Credit Union $100 Savings Bonus

Direct Link to offer

Requires depositing $100 each month for 12 months to get the $100 bonus.

Waterstone Bank $100 Savings – WI only

Direct link to bonus

Can also be combined with the $250 checking bonus.

Best Business Bank Bonuses

There are a lot less business bank bonuses than personal bonuses, you can view all of them here.

American Express Business Checking 30,000 Points

Direct link to offer

Requires $5,000 in deposits for 60 days and also 10 transactions. Fairly simple bonus to do a nice bonus (though it was once higher at 60k).

Citibank Up To $2,000 Business Checking Bonus – In Branch Only

No direct link, being offered in branch

Only available in branch and not all branches have this offer. This is more of a savings bonus as the $2,000 bonus requires a deposit of $200,000+ for example.

Bank of America $200 Business Checking

Direct link to offer

There is a $500 targeted bonus. But it’s not often we see public bonuses.

Axos Bank $100/$200 Business Checking

Direct link to offer

Just need an average balance of $2,500+ for the first two months. Bonus is $200 if business must be incorporated after 6/01/2020

Bank Novo $100 Referral Bonus

Direct link to offer

Looks like you can get an extra $33 by going through Swagbucks as well.

Huntington Bank $200/$500/$1,000 – OH, MI, IN, PA, KY, WV & IL

Direct link to offer

The $400 bonus has been increased to $500. $750 bonus has been increased to $1,000.

PNC $200/$500 Business Checking AL, DC, DE, FL, GA, IL, IN, KY, MD, MI, MO, NC, NJ, NY, OH, PA, SC, VA, WI and WV

Direct link to offer

Not nationwide like the personal bonus unfortunately. They have offered a $300 bonus in the past, but that hasn’t been available for some time. It’s also now easier to keep the account fee free and because of that we’ve added it back to this list. In some states this is now $500.

Direct link to offer

Now available in more states, requirements are easy as well.

M&T Bank $500 Business Checking Bonus – MA, CT, DE, D.C., MD, NJ, NY, PA, VA, WV

Direct link to offer

Has been $400 in the past, but we haven’t seen an offer that high for some time.

East Cambridge Savings Bank – MA – $475

Direct link to offer

There is also a $475 personal checking bonus that can be done at the same time.

Excite Credit Union $300 – CA, NC

Direct link to offer

There is also a personal bonus that can be done at the same time.

Seacoast Bank $300 Business Checking Bonus – FL Only

Direct link to offer

This needs to be opened in branch but only requires a minimum balance of $1,500 for 90 days to trigger the bonus.

Direct link to offer

There is also a $100 savings bonus.

California Bank & Trust $250 Business Bonus – CA

Direct link to offer

Unfortunately requires a $10,000 deposit.

Farm Bureau Bank $250 – NV

Direct link to offer

There is also a $150 personal checking bonus but not clear if both of these bonuses can be done.

1st United Credit Union – $200 Business Checking Bonus – CA only

Direct link to offer

Normally in branch only but can also be opened online.

Provident Credit Union $150 In Branch Business Checking Bonus – CA

Used to require a balance of $10,000 to keep fee free, but that is no longer a requirement making this bonus worth doing if you live near a branch.

Best State Specific Bonuses

In the past we haven’t listed state specific bonuses on this page, I thought it was worth listing ones that are definitely worth doing, so here they are.

FirstBank $300 – CA, AZ, CO – Direct Deposit Optional

Direct link to offer

Standard bonus is $200 and that requires a direct deposit. This one is $300 and you can either do a direct deposit or spend $500 on a debit card.

Flushing Bank $700 Bonus – NY & NJ – Direct Deposit Optional

Direct link to offer

No monthly fees to worry about or direct deposit. Does require depositing $50,000+ for the full bonus though, really more of a combination savings & checking bonus.

Hudson Valley Federal Credit Union $400 Bonus – NY, Direct Deposit Not Required

Direct link to offer

Just requires $1,500 in debit card spend.

First Federal Credit Union $200 Checking Bonus – IA only – No Direct Deposit Required

Direct link to offer

Nice bonus with no monthly fee or direct deposit requirement.

Citizens Bank $400  Checking Bonuses – CT, DE, MA, MI, NH, NJ, NY, OH, PA, RI, VT, D.C.

Direct link to offer

This is the highest bonus they have offered, although there was a targeted offer for $600 last year.

Abington Bank $300 Checking Bonus, Direct Deposit Not Required MA, CT, RI, NH

Direct link to offer

We don’t know much about this bank, but this bonus seems easy to trigger and is much higher than normal.

Ballston Spa National Bank (BSNB) $350 Checking Bonus – Some Areas of NY

Direct link to offer

Previously this had to be opened in branch, but now it can be opened online as well.

Waterstone Bank $250 Checking – WI only

Direct link to bonus

No monthly fee. There is also a $100 money market bonus.

Associated Bank – $600 Bonus  – IA, IL, IN, KS, MI, MN, MO, OH and WI

Direct link to offer

Huge bonus, does require a large balance of $10,000+ for a short period of time for the full $400 bonus but well worth doing if you have the spare funds. Available in a lot more states now.

United States Senate Federal Credit Union $500 – VA Only

Direct link to offer

No monthly fees to worry about and relatively easy requirements.

North Shore Bank $400 Checking Bonus – Direct Deposit Optional – WI & IL

Direct link to offer (might need to copy and paste link)

Can do 10 debit card transactions instead of a direct deposit, making this much more attractive.

Truist $400 AL, AR, GA, FL, IN, KY, MD, MS, NC, NJ, OH, PA, SC, TN, TX, VA, WV or DC

Direct link to offer

Bonus was recently increased to $400 from $200.

PeoplesBank $400 Checking – MD & PA

Direct link to offer

There are no monthly fees.

East Cambridge Savings Bank – MA – $475

Direct link to offer

There is also a $475 business checking bonus that can be done at the same time.

Fulton Bank $300 – DE, DC, MD, NJ, PA, & VA – Direct Deposit Not Required

Direct link to offer

Nice bonus that only requires 15 debit card transactions to trigger. Bonus has been increased to $300 from $200.

Santander $400 Checking Bonus – NH, MA, RI, CT, DE, NY, NJ, PA, or FL, In Branch

Direct link to offer

More difficult to keep fee free than the recent $300 bonus, but obviously an extra $100.

UMB Bank $400 Checking Bonus – AZ, CO, IL, MO, NE, OK, KS, TX

Direct link to offer

There was a $500 bonus in the past, but that had a savings component.

First Bank Financial Centre (FBFC) $150 Bonus – Direct Deposit Not Required – WI Only

Direct link to offer

No monthly fees or direct deposit required. $150 donation is also made to a local school program.

TruStone Financial $350 – WI & MN only

Direct link to offer

Previously this was only $150.

M&T Bank $350 Checking – CT, DC, DE, MA, MD, ME, NH, NJ, NY, PA, VA, VT, WV

Direct link to offer

Has been higher in the past.

Broadway Bank $300 Checking – TX

Direct link to offer

This account has no monthly fee to worry about.

WinTrust Bank $300 Checking – IL, FL, WI, IN only

Direct link to offer

Much better than the $100 bonus they previously offered. There is also a $200 savings bonus that can be done at the same time.

MidFirst Bank $300 – AZ, OK

Direct link to offer

$300 is the highest we have seen from MidFirst.

Meriwest Credit Union $300 – CA & AZ

Direct link to offer

Sometimes the bonus isn’t as high as $300 so best to do it when it is.

Dedham Savings Bank – $250 Bonus – MA only

Direct link to offer

Better than the standard $100 offer they usually have.

Hawthorn Bank $300 MO, KS

Direct link to offer

Nice amount of credit card funding on this offer.

bankESB (Easthampton Savings Bank) $325 – Direct Deposit Not Required – MA, CT, RI & NH

Direct link to offer

No monthly fees or direct deposit required.

USE Credit Union $300 Bonus – CA

Direct link to offer

Unfortunately seems to be a hard pull if applying online.

Central Bank $300 – OK, IL KS & MO, CO

Direct link to offer

Can also be combined with a $100 savings bonus as well.

Premier Bank $200 Bonus – OH, MI, IN and PA

Direct link to offer

Has been as high as $200 in the past.

HarborOne Bank $600 Checking & Savings Bonus – MA, NH, and RI

Direct link to offer

Sometimes there is a smaller bonus with easier requirements.

Citadel Bank $300 Checking Bonus – PA only

Direct link to offer

You can also get a $100 savings bonus from Citadel as well which is nice. No monthly fees to worry about either.

Provident Credit Union $300 Checking Bonus – CA only

Direct link to offer

Requires 2 x $400 in debit spend and 2 x $500 direct deposit, but if can manage those it’s a nice bonus. There is a hard pull.

BECU Credit Union $200 Checking Bonus – Direct Deposit Not Required – WA, ID & OR

Direct link to offer

Has been a $150 referral bonus in the past but this is a better offer if you’re not referring a friend or family member.

First Bank $300 – VA & MD – Direct Deposit Not Required

Direct link to offer

This one does have a monthly fee, but fairly easy to avoid plus a nice amount of credit card funding. Direct deposit no longer required and bonus has been increased from $100 to $200 to $300.

CIBM Bank $250 Bonus – Direct Deposit Not Required – IN, IL, WI

Direct link to offer

Sometimes there is a $600 bonus that can be done as well.

Sunflower Bank $200 – AZ, MO, NM, KS & CO and TX, In Branch only – Direct Deposit Not Required

Direct link to offer

This offer specifically states that ACH credits work to trigger the bonus, there is also no monthly fees to worry about.

South State Bank $200 checking Bonus – GA, NC, SC, VA – Direct Deposit Not Required

Direct link to offer

Doesn’t require a direct deposit either.

P1FCU $200, Direct Deposit Not Required – WA, OR, ID

Direct link to offer

Requirements are very easy to meet and there is no monthly fees to worry about.

BMI Federal Credit Union $200 – OH – Direct Deposit Not Required

Direct link to offer

Main downside is there are mixed reports of this being a hard or soft pull.

Regions Bank $300 Checking Bonus + $50 Referral – AL, AR, FL, GA, IL, IN, IA, KY, LA, MS, MO, NC, SC, TN & TX

Direct link to offer

Not as good as the $400 bonus, but better than the standard $200 bonus.

NYCB Family Of Banks $350 Bonus – NY, MI, NJ, OH, FL, AZ

Direct link to offer

Better than the previous $250 that was offered.

Citadel Bank $300 Checking Bonus – PA only

Direct link to offer

You can also get a $100 savings bonus from Citadel as well which is nice. No monthly fees to worry about either.

KeyPoint Credit Union $300 Checking – CA Only

Direct link to offer

Big bonus with a nice amount of credit card funding.

Fidelity Bank $300 + AirPods (2nd Gen) – MA, NH Only

Direct link to offer

Unfortunately requires a lot of debit card transactions for two months.

SF Fire Credit Union $300 – CA

Direct link to offer

Requires a $5,000 direct deposit to get the full bonus, otherwise you only get $100.

Columbia Bank $300 Checking – NJ only

Direct link to offer

Can get $100 of this bonus without a direct deposit.

F&M Bank $250 Checking Bonus – IL, IN, OH, No Direct Deposit Required

Direct link to offer

Has been as high as $300 in the past.

Blue Federal Credit Union $200 Bonus CO, WY – In Branch Only

Direct link to offer

Previously this was nationwide, but looks like you need to go in branch now.

Newtown Savings Bank (NSB) $250 Bonus  – CT & Select Counties In NY only

Direct link to offer

Bonus used to be better when you could fund $1,000 with a credit card, although then the actual bonus was less. Also comes with a $150 savings bonus.

Direct link to offer

Looks like you might actually need to open in branch to be eligible.

Credit Human $200 Bonus – TX only

Direct link to offer

No monthly fee to worry about and bonus has recently increased from $100 to $200.

Bar Harbor Bank & Trust $200 Checking Bonus – ME, VT & NH

Direct link to offer

They offer a free checking account.

Pinnacle Financial Partners $200 Mastercard Checking Bonus – TN

Direct link to offer

A lot of requirements unfortunately for the bonus.

Old Second Bank $300 Bonus – IL only

Direct link to offer

Another small bonus, upside is that $100 can be done without a direct deposit being required.

Dollar Bank $300 Bonus – OH, VA & PA

Direct link to offer

Has been as high as $400 in the past with the same requirements.

WesBanco $400 – WV, PA, OH, IN, KY, MD

Direct link to offer

Sometimes this is targeted, but doesn’t seem to be this time.

Honor Credit Union $250 Checking Bonus – MI

Direct link to offer

The credit card funding is interesting, but it’s unfortunate about the $15 fee and also the hard pull to open the account.

CIBC US $200 IL, MI, MO & WI

Direct link to offer

Needs to be opened in branch unfortunately.

Macatawa Bank $150 Checking Bonus – MI – No Direct Deposit Required

Direct link to offer

Nice easy bonus with a decent amount of credit card funding and no monthly fees to worry about.

Summit Federal Credit Union Up To $150 – NY – Direct Deposit Not Required

Direct link to offer

Requires 20 debit card purchases instead of a direct deposit.

Sharepoint Credit Union $150 Checking Bonus – MN only

Direct link to offer

Account also offers 5% APY on balances up to $5,000

Tower Federal Credit Union $100 – MD – No Requirements

Direct link to offer

This bonus has no monthly fees or requirements to trigger, making it extremely easy.

Westfield Bank $100 Bonus – OH Only – Direct Deposit Not Required

Direct link to offer

Any ACH deposit will work for this, doesn’t need to be direct deposit/payroll.

Orange County’s Credit Union $100 Checking Bonus – No Direct Deposit Required – CA Only

Direct link to offer

Always nice to see a bonus with no direct deposit required, in addition no monthly fees to worry about.

Horizon Credit Union $200 Checking Bonus – WA, ID, MT, OR – Direct Deposit Not Required

Direct link to offer

Unfortunately there is a hard pull but everything else about this offer is great.

Direct link to offer

Difficult to keep this fee free unfortunately.

Royal Credit Union $200 Checking Bonus – MN, WI

Direct link to offer

No monthly fee to worry about and nice amount of credit card funding

Direct link to offer

No monthly fees to worry about and a nice bit of credit card funding as well.

VyStar Credit Union $175 – FL, GA

Direct link to offer

Can also join if you’re past or present military.

Jovia Financial Credit Union $150 Checking Bonus – NY Only

Direct link to offer

Only requires a small direct deposit and no monthly fee.

Desert Financial Credit Union $100 Referral Bonus For Both Parties – AZ only

Direct link to offer

Requires a referral, but that potentially makes it more profitable for those that do sign up if you can refer some friends/family.

Suncoast Credit Union $100 – FL – Direct Deposit Not Required

Direct link to offer

No monthly fees or direct deposit required.

Direct link to offer

No monthly fee to worry about and nice amount of credit card funding as well.

Power Financial Credit Union $100  – No Direct Deposit Required – FL only

Direct link to offer

Unfortunately seems to be a hard pull according to most people.

Verity Credit Union $100 Referral Bonus – WA

Direct link to offer

Nice bonus especially if you can refer a few people.

Greater Nevada Credit Union $100 – NV

Direct link to offer

Nice amount of credit card funding.

Heritage Credit Union $100 – WI & IL – In Branch

Direct link to offer

Pretty small bonus and it also needs to be opened in branch. At least there is no monthly fees to worry about.

California Coast Credit Union $100 Bonus – CA only

Direct link to offer

California Coast sometimes have good CD rates as well. This is a small bonus but worth doing if you’ve already done bigger bonuses listed above.

USE Credit Union $100 Bonus – CA only

Direct link to offer

This is a referral bonus, so the bonus referring you will also receive $100.

Heritage Credit Union – WI & IL only – $100 Bonus

Direct link to offer

No monthly fees to worry about but a relatively small bonus.

Direct link to offer

This is a referral bonus, so can be a bit better if you can refer some friends or family as well. Can also get a straight $150 bonus.

Lafayette Federal Credit Union $100 – MD, D.C. & VA

Direct link to offer

You can get additional bonuses up to $750, but most of that is closing costs on a mortgage.

Financial Partners Credit Union – CA – $100 Referral Bonus

Direct link to offer

No monthly fees and the fact that it is a referral bonus makes this more attractive.

Western State Bank – $100 – AZ ND – In Branch Only

Direct link to offer

Another relatively small in branch bonus, still worth doing if you live near a branch and have done the bigger bonuses listed above.

The Bank of Princeton $100 Checking Bonus – NJ & PA, In Branch

Direct link to offer

No monthly fee is required which is nice.

City National Bank – $100 Checking – VA, WV, OH – In Branch

Direct link to offer

Not the most attractive offer given that it’s only $100 and in branch only, but still worth considering for those that have done the bigger bonuses above.

Neighborhood Credit Union $300 Checking Bonus – TX

Direct link to offer

Previously this was only a $100 bonus, so it’s nice to see it increased by such a huge amount.

Highly Region Specific/Branch Specific

First Home Bank $500 – FL In Branch Only

Direct link to offer

This is a checking & savings bonus but not huge deposit requirement.

Valley Strong Credit Union $250, Direct Deposit Not Required (Tulare, San Joaquin and Solano Counties)

Direct link to offer

Nice bonus with no direct deposit required.

Star One Credit Union $200 Checking Bonus – No Bonus Requirements – Bay Area, CA only

Direct link to offer

Very easy bonus to complete.

Southland Credit Union $200 Checking Bonus – CA Long Beach

Direct link to offer

Only available at the long beach location.

Middlesex Federal MA, In Branch $150 Bonus, Direct Deposit Not Required

Direct link to offer

Unfortunately you have to open this in branch.

Cap Ed Credit Union $100, Direct Deposit Not Required ID Only

Direct link to offer

Account also has no monthly fees to worry about and might actually be available nationwide.

San Mateo Credit Union $100 Bonus – Direct Deposit Not Required – CA Only

Direct link to offer

Only available in San Mateo County, the City of Palo Alto, or certain areas of San Francisco.

Commonwealth Central Credit Union $100 Santa Clara County, CA, Direct Deposit Not Required

Direct link to offer

Unfortunately it’s a hard pull but at least no DD is required

Green State Credit Union $100 Checking Bonus – IA & IL, Direct Deposit Not Required

Direct link to offer

Just requires 12 debit card transactions to trigger the bonus.

Purdue Federal Credit Union $250 IN, Lake & Porter County

Direct link to offer

Bonus was previously only $150.

Recent Changes

If you know of any better bank account bonuses, let us know in the comments section and we will add them.

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William Charles

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