Newest Bank Promotions, Offers, Coupons and Bonuses: November 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.

Monifi Spend Balance: $250 Bonus

monifi bank logo

To earn this bonus, you must have at least two deposits worth $1,000 going into your Monifi Spend Balance and by setting up direct deposit. Read on for the full picture:

  • Cash value: $250
  • Minimum deposit to qualify: $2,000
  • Expiration date: Nov. 30
  • How to get it: Sign up for direct deposit and make at least two qualifying deposits of $1,000 each
  • When you’ll get it: 45 days after meeting the requirements
  • Terms and conditions: Only applicable to Monifi accounts opened between June 1, 2021 and Nov. 30, 2021. Only one per customer. Must have direct two qualifying direct deposits of $1,000 each within 90 days of opening the account. Monifi Relationship should be open and in good standing to receive bonus.
  • Monthly fees: $0
  • Promotion page: Monifi Direct Deposit offer

A Better Way to Bank

Chase Total Checking: $225 Bonus

Signing up for a new Chase Total Checking account can net you a $225 bonus through mid-January. Read on for the full picture:

  • Cash value: $225
  • Minimum deposit to qualify: N/A
  • Expiration date: Jan. 19
  • How to get it: Open a new Chase Total Checking account through the offer page and receive a direct deposit of your paycheck, pension or government benefits within 90 days of opening.
  • When you’ll get it: Within 15 days of receiving a qualifying direct deposit
  • Terms and conditions: You can’t have an existing Chase checking account, have closed one within the last 90 days, or have closed an account with a negative balance in the last three years. Closing your account within six months will lead to Chase recouping the bonus.
  • Monthly fees: The Chase Total Checking account comes with a $12 monthly fee, which can be waived by receiving at least $500 in electronic deposits in a month, having a balance of $1,500 at the beginning of each day, or maintaining a combined average balance of $5,000 across eligible Chase accounts daily.
  • Promotion page: Chase Total Checking bonus offer

Fifth Third Checking Account: $300 Bonus

Opening a new Fifth Third Momentum or Preferred checking account can come with a $300 bonus if you meet the promotional criteria.

  • Cash value: $300
  • Expiration date: Dec. 31
  • Minimum deposit to qualify: $500
  • How to get it: Open an eligible checking account through the offer page or request a Fifth Third Bank coupon code on the bank’s website, which you’ll receive by email, to open an account in-branch. Then, make direct deposits of $500 or more within the first 60 days of account opening.
  • When you’ll get it: Within 10 business days of qualifying
  • Terms and conditions: The offer is only available to new Fifth Third checking customers. You must present your unique offer code when opening an account to receive the bonus.
  • Monthly fee: $0-$25, depending on the account chosen. Fees can be waived by meeting certain balance or deposit requirements.
  • Promotion page: Fifth Third checking account bonus offer

A Better Way to Bank

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

    HSBC Premier Checking: $450 Bonus

    HSBC’s Premier Checking offers relationship banking with professional support, international banking, no foreign transaction fees and global transfers. As a Premier account holder, you’ll be eligible for their home financing services, including jumbo mortgages.

    • Cash value: $450
    • Minimum deposit to qualify: $5,000
    • Expiration date: Jan. 5, 2022
    • How to get it: For the $450 welcome bonus, open a new Premier checking account through the offer page and receive at least $5,000 in qualifying monthly direct deposits for three consecutive months from the second month of account opening.
    • When you’ll get it: Approximately eight weeks after completing the qualifying activities.
    • Terms and conditions: You must not have had a consumer deposit account with HSBC between Aug. 31, 2018 and Aug. 31, 2021 to qualify for the offer. 
    • Monthly fees: To qualify for the Premier level, you’ll need to maintain $75,000 in funds with the bank, make recurring direct deposits of $5,000 a month or have a mortgage with an original balance of $500,000 or more with HSBC. Otherwise, you’ll be charged a $50 monthly maintenance fee.
    • Promotions page: HSBC Premier Checking Account 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:

      • Cash value: Up to $1,500
      • Minimum deposit to qualify: $15,000
      • Expiration date: Jan. 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 as well as have at least $1,200 in your account at the end of the 12-month period.
        • 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

        TD Beyond or Simple Savings Account: $200 Bonus

        Two of TD Bank’s savings accounts have the opportunity to claim a $200 bonus for opening a new personal savings account, provided you can meet the funding requirements. 

        • Cash value: $200
        • Minimum deposit to qualify: $20,000
        • Expiration date: Nov. 30
        • How to get it: Open a new TD Beyond or Simple Savings Account and deposit at least $20,000 in new-to-the-bank funds within 20 days of opening. Then, maintain at least $20,000 as your daily average balance for 90 days after the deposit date.
        • When you’ll get it: Within 140 days of the account opening date once the deposit and balance requirements are met
        • Terms and conditions: Must not have held a TD Bank savings or money market account within the past 12 months or claimed a past savings account bonus. Your account must remain open and in good standing for six months or the bonus may be deducted during account closing.
        • Monthly fees: TD Beyond Savings has a monthly fee of $15, which can be waived by linking a checking account or maintaining a daily minimum balance of $20,000. TD Simple Savings has a monthly fee of $5, which can be avoided several ways, including maintaining a $300 minimum daily balance, linking a checking account or being age 18 and under or 62 and over.
        • Promotion page: TD Savings Accounts $200 bonus 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: Jan. 4
        • 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

          Smaller businesses or those looking for a more basic business checking account can open a PNC Business Checking or Business Checking Plus account for a $200 reward, while larger or more complex business banking needs can be fulfilled with the PNC Treasury Enterprise Plan or Analysis Business Checking account and receive a $500 bonus. Read on for the details.

          • Cash value: Up To $500
          • Minimum deposit to qualify: $30,000
          • Expiration date: Dec. 31
          • How to get it: There are two ways to enroll in this promotion: Either apply for a coupon through the offer page, which you can then take into a branch to open an account. Or, you can begin online by filling out the form on the offer page. As mentioned above, two accounts are eligible for a $200 bonus: Business Checking or Business Checking Plus. To get the $200, you’ll need to maintain an average ledger balance of $5,000 for all of the first three statement cycles, plus make at least 20 qualifying transactions with your associated Visa debit card during the same period. To claim the $500 reward for the Treasury Enterprise Plan or Analysis Business Checking, you’ll need to maintain a higher average ledger balance of $30,000 for each of the statement cycles during the three month qualifying period. 
          • When you’ll get it: Within 90 days of meeting the requirements
          • Terms and conditions: This offer is only available to businesses with under $5 million in annual revenue whose statements cycle monthly. Existing PNC checking or savings accounts are not eligible. 
          • Monthly fees: Depending on the account, fees range from $10 to $50, but there are ways to avoid them. Check out the offer page for specifics on each account.
          • Promotion page: PNC Business Checking 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.

                  Melanie Grafil and Julia Gordon contributed to the reporting for this article.

                  Information on promotions is accurate as of Nov 1., 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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