Newest Bank Promotions, Offers, Coupons and Bonuses: September 2021

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Banks regularly offer cash bonuses and other promotions to attract new customers. You can earn hundreds of dollars just by opening an account. If you’re like many other Americans, having extra cash available during this economic climate is a comfort.

GOBankingRates reviewed banks across the U.S. in search of the best bank promos. The savings and checking account bonus offers that made the final list were chosen based on their high cash values and how easy the rewards are to earn. Here’s what you need to know about the best checking, savings and business account promotions across the nation.

Checking Account Promotions

A checking account is a basic financial tool that everyone should have. Now may be the time to find a new bank and take advantage of lucrative checking account promotions.

KeyBank Key Smart Checking: $200 Bonus

KeyBank, based in Cleveland, sports a 190-year history and a footprint in 15 states: Alaska, Colorado, Connecticut, Idaho, Indiana, Maine, Massachusetts, Michigan, New York, Ohio, Oregon, Pennsylvania, Utah, Vermont and Washington. Its Key Smart Checking account has no monthly fee and only requires $10 to open, so if you’re in the bank’s operating area, read on for the details of how you can earn a $200 bonus.

More From Your Money
  • Cash value: $200
  • Minimum deposit to qualify: $500
  • Expiration date: Sept. 24
  • How to get it: Open a qualifying checking account with code ONAS0821 before the promotion expiration date. Then receive at least one direct deposit. The deposit should total $500 or more within 60 days of opening the account.
  • When you’ll get it: The bonus is deposited within 90 days after you meet the requirements.
  • Terms and conditions: Qualifying direct deposits include deposits from payroll, Social Security, pension and government benefits. Customers can earn a maximum of one bonus; the offer is redeemable online only.
  • Monthly fees: $0 to $50, depending on the selected checking account, but can be waived by maintaining a combined minimum balance or receiving a minimum amount of monthly deposits
  • Promotion page: KeyBank Key Smart Checking bonus offer

Wells Fargo Everyday Checking: $200 Bonus

Wells Fargo

If you’re looking for a big bank with one of the widest national footprints, Wells Fargo’s current $200 checking bonus is worth looking into. Here’s how you can claim it.

  • Cash value: $200
  • Minimum deposit to qualify: $1,000
  • Expiration date: Sept. 30
  • How to get it: Open a new Wells Fargo Everyday Checking account either online or in-branch and receive $1,000 or more in qualifying direct deposits within 90 days of opening. You’ll need $25 to fund the account.
  • When you’ll get it: Within 30 days after the 90-day qualification period, provided you met the requirements
  • Terms and conditions: You must be a new checking customer to Wells Fargo and not have received another checking account bonus in the past 12 months, and you can’t be a Wells Fargo employee.
  • Monthly fee: $10, avoidable if you meet account requirements like having a $500 minimum daily balance, receiving $500 or more in qualifying direct deposits and/or if the primary account holder is age 17-24
  • Promotion page: Wells Fargo Everyday Checking bonus offer

TD Bank Beyond Checking: $300 Bonus

You can earn $300 for opening a TD Beyond Checking account and meeting a direct deposit requirement. Here are the complete terms:

  • Cash value: $300
  • Minimum deposit to qualify: $2,500
  • Expiration date: N/A
  • How to get it: Open an account online and receive at least $2,500 in direct deposits during the first 60 days.
  • When you’ll get it: Within 140 days of opening the account and meeting the terms
  • Terms and conditions: This offer is available to new checking customers only. No bank coupons are required.
  • Monthly fees: $25, but can be waived by keeping a $2,500 minimum daily balance, receiving at least $5,000 per month in direct deposits or maintaining a combined balance of $25,000 across TD Bank accounts
  • Promotion page: TD Beyond Checking bonus offer

    Citi Checking Account: Up To $1,500 Bonus

    If you can meet the deposit requirements, you could be looking at a tidy sum of up to $1,500 from Citibank when you open a new checking account in the Priority Account Package. Find out more:

    More From Your Money
      • Cash value: Up to $1,500
      • Minimum deposit to qualify: $15,000
      • Expiration date: Oct. 4
      • How to get it:
        • After opening a new checking account in an eligible package and enrolling in the offer directly from the offer page or with a Citi representative (either by phone or in-branch), deposit the qualifying amount within 20 days of opening the account. Your bonus amount will be determined based on the balance in your account on the 20th day. Tip: If you open a new Citi Savings Account in the same package as the checking account, the balance in your savings account will count toward the bonus requirements. The bonus tiers are as follows:
          • $15,000-$49,999: $300 bonus
          • $50,000-$199,999: $700 bonus
          • $200,000 or more: $1,500 bonus
        • After making the qualifying deposit within the first 20 days, maintain that minimum balance for a consecutive 60 days after the 21st day to receive the cash bonus. Refer to the offer for full terms and conditions.
      • When you’ll get it: Within 90 days of completing the required activities
      • Terms and conditions: You must not have held a Citi checking account in the past six months, be at least 18 years of age and meet the balance requirements described above with new-to-Citibank funds. Your account must be open and in good standing to receive the bonus.
      • Monthly fee: The monthly fees will vary depending on which account package you choose, but here are some examples of checking account fees and ways to avoid them:
        • Basic Banking Package: $12, waived if you maintain a combined monthly balance of $1,500 across eligible accounts or make one qualifying direct deposit and one qualifying bill payment per statement, or if you are 62 or older
        • Citibank Account Package: $25, or $0 if you maintain a minimum average balance of $50,000 across eligible deposit, investment and retirement accounts
        • Citi Priority Account Package: $30, or $0 if you maintain a minimum average balance of $50,000 across eligible deposit, investment and retirement accounts
        • Citigold Account Package: No monthly fee, but requires a combined average monthly balance of at least $200,000 in eligible linked deposit, retirement and investment accounts
      • Promotion page: Citi checking account bonus offer

      Savings Account Promotions

      A savings account is a great place to keep your emergency fund or set aside money to pay for big-ticket items. Boost your savings with one of these lucrative savings account promotions.

      Alliant Credit Union High-Rate Savings Account: $100 Bonus

      Teaming up with money expert Suze Orman, Alliant Credit Union is offering a bonus on their Ultimate Opportunity Savings Account. The account comes with a number of convenient features like $0 in monthly fees with e-statements, access to 80,000 fee-free ATMs and 24/7 access to online and mobile banking. Plus, it’s a high interest-earning account with a current rate of 0.55% APY.

      • Cash value: $100
      • Minimum deposit to qualify: $1,200
      • Expiration date: Dec. 31
      • How to get it: Apply to join the credit union through the offer page or by phone at 800-328-1935, making sure to mention the offer by name. Then, make deposits of at least $100 a month into the new savings account for the next 12 consecutive months.
      • When you’ll get it: Within four weeks of meeting the requirements after the 12-month qualifying period
      • Terms and conditions: Existing Alliant Credit Union members are not eligible for this promotion.
      • Monthly fee: $0 if you sign up for e-statements, otherwise $1 for paper statements
      • Promotion page: The Ultimate Opportunity Savings Account bonus offer

      SunTrust Checking and Savings Account: Up To $300 Bonus

      SunTrust bank logo

      If you’re a resident of Alabama, Arizona, Georgia, Florida, Maryland, Mississippi, North Carolina, South Carolina, Tennessee, Virginia or Washington, D.C., you could be looking at $300 from SunTrust. Read on for the deets.

      • Cash value: $300
      • Minimum deposit to qualify: $16,000
      • Expiration date: Sept. 30
      • How to get it: Open a new SunTrust checking account with the promo code CHKSAVQ321 and make two direct deposits of $500 or more within 90 days of opening the account. Additionally, the same day, open a new SunTrust savings or money market account, fund it with at least $10,000 within 30 days, and maintain a balance of $10,000 or more for three months.
      • When you’ll get it: Within four weeks of meeting the requirements
      • Terms and conditions: You must not hold a current deposit account with the bank or have closed one in the past 180 days. The accounts must be opened on the same day under the same name and with a mailing address in the states where SunTrust operates (listed above), and you can’t be an employee of the bank or claim the bonus more than once.
      • Monthly fee: Checking account fees range from $7 to $20, but there are a variety of ways to waive them by making direct deposits, maintaining a minimum balance or linking accounts.
      • Promotion page: SunTrust checking and savings offer

      Citi Savings Account: Up To $2,000 Bonus

      $2,000 sounds like a bundle, right? However, you need to be a literal millionaire to qualify for that bonus amount. Thankfully, there are lower bonus tiers that those of more average means can qualify for. Full details:

      • Cash value: Up to $2,000
      • Expiration date: Sept. 30
      • How to get it:
        • Open a new Citi Savings Account and fund it with new-to-Citibank funds within 20 days of opening.
        • Then, maintain a minimum balance for 60 days to get the bonus. The minimum deposit and balance amounts and bonuses are as follows:
          • $10,000-$24,999: $20 bonus
          • $25,000-$49,999: $50 bonus
          • $50,000-$99,999: $100 bonus
          • $100,000-$249,999: $200 bonus
          • $250,000-$499,999: $500 bonus
          • $500,000-$999,999: $1,000 bonus
          • $1,000,000 or more: $2,000 bonus
        • See the offer page for full terms and conditions.
      • When you’ll get it: Within 90 calendar days after completing required activities
      • Terms and conditions: New or existing Citibank customers are eligible for this offer provided they open a new savings account and follow the deposit minimums and reside in the eligible states (again, that’s New York, Connecticut, Maryland, Virginia, Washington, D.C., California, Nevada, New Jersey, Florida or Illinois). If you’re depositing more than $250,000, call to speak with a Citi representative. Your account must also remain open and in good standing through the period necessary to receive the funds (within 90 calendar days after completing the requirements).
      • Monthly fee: There is no fee for the Citi Savings Account, but the associated checking account may incur fees, depending on the average balance and the type of account.
      • Promotion page: Citi Savings Account bonus offer

      Business Account Promotions

      Bank bonuses are also available for business accounts. Score some extra cash via these worthwhile business account promotions to share with employees or expand your business.

      PNC Business Checking: Up To $500 Bonus

      PNC is offering up to $500 for new business checking accounts targeted to businesses with annual revenue less than $5 million. Read on for the specifics.

      • Cash value: Up to $500
      • Minimum deposit to qualify: $30,000
      • Expiration date: Sept. 30
      • How to get it: To receive the full $500, you must open a new PNC Treasury Enterprise Plan or Analysis Business Checking account and maintain an average ledger balance of $30,000 in the new account for each of the next three statement cycles.
      • When you’ll get it: Within 90 days of meeting the requirements
      • Terms and conditions: Must not be a signer on an existing business checking account with PNC or have closed one within the last 90 days and must not have claimed a promotional offer in the past 12 months. Only business accounts that cycle statements monthly are eligible for this offer.
      • Monthly fees: None
      • Promotion page: PNC business checking account offer

      Chase Business Complete Checking: Up To $750 Bonus

      Chase Business Complete Checking accounts come with their QuickAccept feature via the mobile app that lets you accept card payments anywhere and make free same-day deposits six days a week, as well as multiple ways to waive the monthly fee.

      • Cash value: Up to $750
      • Minimum deposit to qualify: $2,000 to get a $300 bonus and $10,000 to get a $750 bonus
      • Expiration date: Oct. 21
      • How to get it:
        • To be eligible for the $300 bonus, open a new Chase Business Complete Checking account through the offer page and fund it with at least $2,000 in new-to-Chase funds within 30 days of coupon enrollment. Then, maintain a balance of at least $2,000 for the next 60 days. Additionally, you must make five qualifying transactions, which include debit card purchases, mobile deposits, ACH credits and wires (debits and credits) within the first 90 days of opening your account.
        • Follow the same process to qualify for a $750 bonus, but you must deposit $10,000, maintain that balance for 60 days and make 25 qualifying transactions within 90 days.
      • When you’ll get it: Within 15 days of completing the qualifying requirements
      • Terms and conditions: Must not currently be a Chase business checking customer or have closed an account within the last 90 days or with a negative balance in the past three years. Not for government entities, nonprofits, political action committees or campaign accounts.
      • Monthly fee: The Chase Business Complete Checking account has a monthly fee of $15, but it can be waived in a variety of ways, including maintaining an average beginning daily balance of $2,000 or spending at least $2,000 on your linked Chase Ink Business Card. For full details on waiving the fee, refer to the offer page.
      • Promotion page: Chase Business Complete Checking $300 offer | Chase Business Complete Checking $750 offer

        Huntington Unlimited Plus Business Checking: $750 Bonus

        With a Huntington Unlimited Plus Business Checking account, you enjoy perks like unlimited transactions and online access to your account. For a limited time, new customers can select two bonus services when they sign up for a new account and earn a cash bonus of $750. Here’s how:

        • Cash value: $750
        • Minimum deposit to qualify: $20,000
        • Expiration date: Nov. 7
        • How to get it: Open an Unlimited Plus Business Checking account through the offer page or in-branch after choosing the “open at a branch” option on the offer page before Nov. 7. Deposit at least $20,000 within 60 days of opening the account.
        • When you’ll get it: Within 14 days of meeting the deposit requirements
        • Terms and conditions: The offer is available only to new business checking accounts for residents of Illinois, Indiana, Kentucky, Michigan, Ohio, Pennsylvania or West Virginia. Accounts closed within 180 days may be charged an early cancellation fee.
        • Monthly fees: $40, but can be waived by maintaining a minimum relationship balance of $50,000
        • Promotion page: Huntington Unlimited Plus Business Checking bonus offer

            Is It Time To Switch Banks?

            Now may be the time to switch banks if you can take advantage of one of the best bank promotions. Before you change banks, make sure it offers the products and services you need. A lucrative bonus is great, but it’s more important to have a bank that’s a good fit for your financial lifestyle.

            Julia Gordon contributed to the reporting for this article.

            Information on promotions is accurate as of Aug. 27, 2021. Additional requirements may apply. Offers and terms are subject to change.

            GOBankingRates is a personal finance and consumer interest rate website owned by ConsumerTrack Inc., an online marketing company serving top-tier banks, credit unions and other financial services organizations. Some companies mentioned in this article might be clients of ConsumerTrack Inc., which serves more than 100 national, local and online financial institutions. Rankings and roundups are completely objective, and no institution, client or otherwise, paid for inclusion or specific placement. Any opinions, analyses, reviews or recommendations expressed in this article are those of the author alone and have not been reviewed, approved or otherwise endorsed by the companies included in the article. All fees and rates are subject to change at the issuers’ discretion. Some interest rates might be short-term or promotional offers only, and it is possible additional terms and conditions must be met to obtain the interest rates listed. Rates and availability might vary by region. Verify terms and conditions before opening an account.

            GOBankingRates bases its assessment of “best” and “top” products on the above-stated parameters to create a baseline for comparison. This assessment is an approximation of “best” and “top” designed to help consumers find products that might be appropriate for them. There could be other options available as well. Consumers should consider various options appropriate for their circumstances.

            This article has been updated with additional reporting since its original publication.

            Editorial Note: This content is not provided or commissioned by the bank advertiser. Opinions expressed here are author’s alone, not those of the bank advertiser, and have not been reviewed, approved or otherwise endorsed by the bank advertiser. This site may be compensated through the bank advertiser Affiliate Program.

            About the Author

            Cynthia Paez Bowman is a personal finance writer with degrees from American University in international business and journalism. Besides writing about personal finance, she writes about real estate, interior design and architecture. Her work has been featured in MSN, Brex, Freshome, MyMove, Emirates’ Open Skies magazine and more.

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