The bonus, and what's left after fees.

Meet Janet from PlainBonus. She's the teller who's been at your branch for 20 years, and she tells you straight what the fee schedule says. Every offer is checked on the bank's own page.

Janet

27 offers

• North Shore Bank

  Checking

  AdvertisedUp to $400·Estimated net$400

  AI summaryOpen checking with the promo code and earn $40 each month you spend $100 on the debit card or get $500 in direct deposits.

  • Hold ~364 days
  • Ends Nov 7
  • Direct deposit alternative

• U.S. Bank

  Checking

  AdvertisedUp to $450·Estimated net$450

  AI summaryOpen Smartly Checking, enroll in online banking, and get two or more direct deposits totaling $2,000+ within 90 days.

  • Hold 120 days
  • Ends Nov 10

• Associated Bank

  Checking

  AdvertisedUp to $600·Estimated net$600

  AI summaryOpen Associated checking, get $500+ in direct deposits, and keep $1,000 to $10,000+ in on days 31 to 90.

  • Hold 90 days
  • Est. effective yield 24%
  • Ends Nov 30
  • 10 states

• E*TRADE (Morgan Stanley Private Bank)

  Savings

  Advertised$200·Estimated net$200

  AI summaryOpen Premium Savings with the promo code, add $20,000 of new money in 30 days, and keep it in for 45 more days.

  • Hold 75 days
  • Est. effective yield 5%
  • Ends Nov 30
  • No direct deposit

• BMO

  Checking

  AdvertisedUp to $600·Estimated net$600

  AI summaryOpen BMO checking with the promo code and earn $100 each month, for up to six months, that you get $1,000+ in direct deposits.

  • Hold ~221 days
  • Ends Dec 15
  • 14 states

• Connexus Credit Union

  Checking

  AdvertisedUp to $300·Estimated net$300

  AI summaryOpen Xtraordinary Checking, use the debit card, get a $500 monthly deposit, and keep $5,000 to $15,000 in for two months.

  • Hold ~60 days
  • Est. effective yield 12%
  • Ends Dec 20
  • Direct deposit alternative

• Old National Bank

  Checking

  AdvertisedUp to $600·Estimated net$600

  AI summaryOpen ONB Everyday or Preferred Checking and make three or more direct deposits totaling $3,500+ (or $12,000+) in four months.

  • Hold 180 days
  • Ends Dec 31
  • 9 states

• Visions Federal Credit Union

  Checking

  AdvertisedUp to $500·Estimated net$500

  AI summaryJoin Visions, open Flex Checking, and get two or more recurring direct deposits totaling $1,000+ within 90 days.

  • Hold 90 days
  • Ends Dec 31

• Bankers Trust

  Checking

  Advertised$400·Estimated net$220

  

  Heads up: fees cut this by $180$15/mo maintenance × 12

  AI summaryOpen checking in a branch, make 25 debit transactions and two $200+ deposits within 60 days. A $400 fee applies if closed within a year.

  • Hold 365 days
  • Ends Dec 31
  • Direct deposit alternative

• Navy Federal Credit Union

  Checking

  Advertised$400·Estimated net$400

  AI summaryJoin Navy Federal with the promo code, open checking by Dec 31, and set up direct deposit by Apr 30, 2027. Military community only.

  • Hold ~271 days
  • Ends Dec 31
  • Direct deposit alternative

• Bask Bank

  Checking + Savings

  AdvertisedUp to $300·Estimated net$300

  AI summaryOpen Bask savings and checking, keep $10,000+ in savings, and add $2,500 a month to checking, for up to six months.

  • Hold ~180 days
  • Est. effective yield 6%
  • Ends Dec 31
  • Direct deposit alternative

• PSECU

  Checking + Savings

  Advertised$300·Estimated net$300

  AI summaryJoin PSECU with the promo code, open savings and checking, and get two $500+ payroll direct deposits within 100 days.

  • Hold 145 days
  • Ends Dec 31

• Percapita

  Checking

  AdvertisedUp to $300·Estimated net$300

  AI summaryOpen a Cash Account and earn $25 for each month in your first year that you spend $300+ with the debit card.

  • Hold ~375 days
  • Ends Dec 31
  • No direct deposit

• PNC

  Checking

  AdvertisedUp to $400·Estimated net$400

  AI summaryOpen Virtual Wallet online or in a branch and get $500+ (or $5,000+ for Performance Select) in direct deposits within 60 days.

  • Hold 150 days
  • Ends Jan 7

• Citi

  Checking

  Advertised$325·Estimated net$325

  AI summaryOpen Citi Regular Checking, enroll in the offer, and get $3,000+ in direct deposits within 90 days.

  • Hold 120 days
  • Ends Jan 11
  • Direct deposit alternative

• Huntington

  Checking

  AdvertisedUp to $600·Estimated net$525

  AI summaryOpen Platinum Perks Checking and add $25,000 in new money within 90 days, or Perks Checking with $500+ in direct deposits.

  • Hold 104 days
  • Ends Jan 15
  • No direct deposit (one part)
  • 21 states

• Chase

  Checking

  AdvertisedUp to $900·Estimated net$900

  AI summaryOpen Chase Total Checking and get $2,500+ in direct deposits within 90 days; bigger deposits ($5,000 or $10,000+) earn a bigger bonus.

  • Hold 105 days
  • Ends Jan 27

• Chase

  Checking + Savings

  AdvertisedUp to $900·Estimated net$900

  AI summaryOpen Chase checking and savings together, get a direct deposit, and keep $15,000 in savings for 90 days.

  • Hold 90 days
  • Est. effective yield 24%
  • Ends Jan 27
  • No direct deposit (one part)

• Bank of America

  Checking

  AdvertisedUp to $500·Estimated net$500

  AI summaryOpen an eligible checking account through the offer page and get $2,000+ in direct deposits within 90 days.

  • Hold 150 days
  • Ends Jan 31

• Truist

  Checking

  Advertised$500·Estimated net$500

  AI summaryOpen Truist One or Marquee Checking, get $2,000+ in direct deposits and make 20 debit card purchases within 120 days.

  • Hold ~134 days
  • Ends Feb 2
  • 18 states

• SoFi

  Checking + Savings

  AdvertisedUp to $400·Estimated net$400

  AI summaryOpen SoFi Checking and Savings and get $1,000+ in direct deposits within 25 days.

  • Hold ~35 days
  • Ends Dec 31

• Capital One

  Savings

  AdvertisedUp to $1,500·Estimated net$1,500

  AI summaryOpen 360 Performance Savings with the promo code, add $20,000+ of new money within 15 days, and keep it in for 90 days.

  • Hold 105 days
  • Est. effective yield 5%
  • No direct deposit

• 4Front Credit Union

  Checking

  Advertised$400·Estimated net$400

  AI summaryJoin 4Front, open Straight4ward Checking, and for three months log in, deposit $500, use eStatements and make 15 card purchases.

  • Hold ~92 days
  • No direct deposit

• MIDFLORIDA Credit Union

  Checking

  AdvertisedUp to $400·Estimated net$400

  AI summaryOpen Free Checking and get $2,000+ (or $4,000+) in direct deposits plus 20 (or 40) debit purchases within 75 days.

  • Hold 90 days

• Bank of Hawaii

  Savings

  AdvertisedUp to $300·Estimated net$300

  AI summaryOpen a savings account, add $5,000 to $20,000 of new money in 30 days, and keep it in through day 90.

  • Hold 90 days
  • Est. effective yield 6%
  • No direct deposit

• Numerica Credit Union

  Checking

  Advertised$300·Estimated net$300

  AI summaryJoin Numerica, open Bonus Checking, use eStatements, and make 12+ card transactions a month for two months in a row.

  • Hold ~101 days
  • No direct deposit

• SouthState Bank

  Checking

  Advertised$300·Estimated net$290

  AI summaryOpen SouthState checking with the promo code, make 15 debit purchases, and get $250 in direct deposits or a $25 auto draft within 60 days.

  • Hold ~63 days
  • Direct deposit alternative

Janet: Nothing at my window matches that, hon. Try another bank, or clear the state filter.