Chase Bank Private Client Checking accounts earn a 0.01% annual percentage yield (APY) on all balances, which is higher than some other non-interest-bearing checking accounts.

The account comes with a fairly steep $35 monthly service fee, but it can be waived in two ways: You need to either have a linked Chase Bank Business Checking account or maintain a combined average daily balance of at least $150,000 across qualifying Chase Bank checking and savings accounts during each statement period.

To qualify for the bonus offer, you must take the following steps:

1. Open a new Chase Bank Private Client Checking account or upgrade an existing account to this tier by visiting a branch on or before July 16, 2025.
2. Transfer between $150,000 (for a $1,000 bonus) and $500,000+ (for a $3,000 bonus) into qualifying Chase Bank accounts within 45 days of enrollment in your new account.
3. Maintain that average daily account balance for at least 90 days.
4. Receive your bonus within 40 days of having maintained balance requirements.

Citi’s Citigold Checking account doesn’t earn any interest, but it comes with some compelling perks. For example, being in the relationship tier means that many fees, including ATM and wire transfer fees, are waived. You’ll also receive preferred pricing on certain mortgage and consumer lending products.

To qualify for the account, however, you must maintain an combine average monthly balance of at least $200,000 in eligible linked deposit and investment accounts.

To qualify for Citi’s bonus offer, you have to complete the following steps:

1. Open a new Citigold checking account through the account bonus webpage on or before October 6, 2025.
2. Deposit new-to-Citi funds into your checking account within 45 days of opening it.
3. Maintain a minimum required balance between $30,000 (for a $500 bonus) and $200,000 (for a $1,500 bonus) for an additional 45 days.
4. Your bonus will be deposited into your active Regular Checking account within 90 to 120 calendar days after the account is opened and the necessary requirements are fulfilled.

Huntington National Bank’s Platinum Perks Checking account earns 0.03% APY on all balances. While there is a $25 monthly fee if you keep less than $25,000 in your relationship accounts during a statement period, the Platinum Perks account offers some strong features. It comes with free checks and ATM withdrawals, as well as complimentary credit and identity theft monitoring services. You’ll also gain access to preferential savings and mortgage rates, plus discounts on investment fees.

To qualify for one of Huntington National Bank's checking account bonus offers, follow these steps:

1. Open a new Perks Checking account (for a $400 bonus) or Platinum Perks Checking account (for a $600 bonus) online or at a branch by August 15, 2025.
2. Receive a qualifying direct deposit of $500 in Perks Checking or deposit at least $25,000 in new money in Platinum Perks Checking within 90 days of opening the account.
3. Keep your account open and funded for an additional 90 days.
4. The bonus will be posted to your account within 14 days of fulfilling all the requirements.

Bask Bank’s Mileage Savings Account works slightly differently from a traditional savings account. Instead of earning interest on the amount you save, you earn AAdvantage miles. If you’re a traveler and like to fly with American Airlines, the trade-off could be worth it, especially with no monthly maintenance fee on the account.

To qualify for Bask Bank's bonus offer, you need to do the following:

1. Open a Bask Bank Mileage Savings account online before August 31, 2025.
2. Fund the account with at least $75,000 within 15 business days of account opening.
3. Maintain a $75,000 minimum daily balance for at least 180 consecutive days out of the first 210 days after account opening.
4. Provide Bask Bank with an AAdvantage account number registered in the same name as the savings account.
5. Your bonus miles will be awarded within 10 business days of meeting all the requirements, but may take six to eight weeks to post to your AAdvantage account.

With a 0.02% APY, the yield on TD Bank’s Simple Savings account is lower than what you might find elsewhere. Still, the account has some benefits. For example, the $5 monthly maintenance fee is automatically waived for minors and seniors, as well as anyone who keeps at least $300 in the account.

Complete the following steps to claim TD Bank's bonus offer:

1. Open a TD Bank Simple Savings account on or before Oct. 31, 2025.
2. Transfer at least $10,000 into the account within 20 days.
3. Maintain that $10,000 balance for at least 90 days after the 20-day funding period.
4. The bonus will be paid within 180 days of account opening.

PNC Bank’s Virtual Wallet provides three bank accounts in one: a Spend account, which acts as your everyday checking account; a Reserve account, a second checking account for medium-term expenses; and a Growth account, which is a long-term savings account. Only the Spend account comes with a monthly fee, which can be waived if you meet any of the following conditions:

• Keep at least $5,000 across any linked PNC Bank checking accounts.
• Have a combined average balance of $25,000 across your PNC Bank deposit and investment accounts.
• Receive at least $5,000 in qualifying direct deposits each month.

To qualify for PNC Bank’s Virtual Wallet bonus offer, you need to do the following:

1. Open a new PNC Bank Virtual Wallet account via the bonus offer page online or at a PNC Bank branch on or before November 17, 2025.
2. Receive a qualifying amount in direct deposits from an employer or outside agency in your Spend account within 60 days of opening your account. ($5,000 for a $400 reward).
3. The bonus will be credited to your account 60 to 90 days after all conditions have been met.

The SoFi Checking and Savings account offers the opportunity to earn up to 3.80% APY** on savings account balances and 0.50% APY on checking balances. There are no account fees****, such as monthly fees, minimum balance fees or overdraft fees. However, you will need to enroll in direct deposit and receive qualifying deposits during a period of 30 calendar days to earn the highest possible APY.

+0.20% Boost on Savings APY for 6 months on new accounts with Direct Deposit. Terms apply.***

To qualify for the SoFi Checking and Savings bonus offer, you need to do the following:

1. Enroll in direct deposit with a SoFi Checking and Savings account on or before Jan. 31, 2026, and receive at least $1 in qualifying direct deposits during that time.
2. Receive a qualifying amount of direct deposits (at least $1,000 for a $50 bonus or at least $5,000 for a $300 bonus*) within 25 days of receiving your first qualifying direct deposit.
3. SoFi will deposit any bonus earned into your checking account within seven business days of meeting the requirements.

Associated Bank, NA’s Business Choice Checking account earns 0.01% APY and includes up to 500 transactions and $15,000 in monthly cash deposits. However, the bank charges quite a few fees. There's a $35 monthly maintenance fee, which is waived if you maintain a qualifying minimum balance of $15,000 or have other qualifying accounts with the bank. You’ll also be charged fees if you exceed the allotted transaction or deposit limits per month. A $100 minimum deposit is required to open the account.

To qualify for the Associated Bank, NA bonus offer, you must:

1. Fill out the contact form online and schedule an appointment with a business banker at your nearest Associated Bank, NA location by September 30, 2025.
2. Deposit a qualifying amount into your new bank account ($20,000 for a $750 bonus) and maintain that balance for at least 90 days.
3. The bonus will be deposited into your account within 120 days of account opening.

While you can earn the $750 account bonus by opening any of BMO Bank N.A.’s business checking accounts, we're highlighting its Elite Business Checking because it’s the only interest-bearing option. It comes with 500 free transactions and $20,000 in fee-free cash deposits per statement period. The $25 monthly maintenance fee is waived if you maintain an average overall balance of $10,000 across eligible accounts or a combined balance of $25,000 each month in business accounts.

To qualify for one of BMO Bank N.A.’s business checking account bonus offers, you need to do the following:

1. Open a BMO Bank N.A. business checking account online or at a branch by Sept. 2, 2025.
2. Fund the account with a qualifying amount (at least $4,000 for a $350 bonus and at least $25,000 for a $750 bonus) within 30 days of opening the account.
3. Maintain that account balance from days 31 through 90 after account opening.
4. If all eligibility criteria are met, the bonus will be paid to your account on day 90.

Truist Simple Business Checking account requires a $100 minimum opening deposit, but after that, few fees apply if you stay within the account’s limits. The account charges no monthly maintenance fee and includes 50 fee-free transactions and up to $2,000 in deposits per month. If you exceed those limits, you'll pay 50 cents per additional transaction and $0.003 for each extra dollar deposited.

To qualify for Truist’s bonus offer, you’ll need to complete the following steps:

1. Open a Simple Business Checking account or Dynamic Business Checking account online or at a branch by Sept. 30, 2025.
2. Use promo code SB25Q2CHECKING when opening the account.
3. Make at least $2,000 in qualifying deposits into your account within 30 days of account opening.
4. The bonus will be deposited into your business checking account within four weeks after meeting the requirements.