BMO Smart Advantage CheckingBMO · CheckingTop bonusNo monthly fee
$600Up to · paid monthly$100 for each month with $1,000+ in direct deposits, up to 6 months
Monthly feeNone
APY—
- Only in 14 states
- Soft credit pull
- Terms verified
Bank bonusesThe quietest money
The quietest money
on this site.
Banks pay hundreds in cash to move a direct deposit. The requirements are mechanical, so the return is predictable.
Bonus planner
Stack 4 bonuses in 6 months.
$1,000
6 months
- 1Chase Total Checking · Month 1+$400
- 2Capital One 360 Checking · Month 2+$300
- 3Wells Fargo Everyday Checking · Month 3+$325
- 4Citi Regular Checking · Months 4–6+$325
Total: $1,3506/6 mo used
Confirm terms with each bank first.
Showing 11 of 11 offers
Bank of America Advantage BankingBank of America · Checking
$500Cash bonusafter $10,000 in direct deposits within 90 days
Monthly fee$12/mo (waivable)
APY—
- 90-day window
- Fee waivable
- Soft credit pull
- Terms verified
SoFi Checking and SavingsSoFi · CheckingNo monthly feeHigh yield
$475Cash bonusafter $5,000 in direct deposits within 60 days
Monthly feeNone
APY3.30%
- 60-day window
- Soft credit pull
- Terms verified
U.S. Bank Smartly CheckingU.S. Bank · Checking
$450Cash bonusafter $8,000 in direct deposits within 90 days
Monthly fee$12/mo (waivable)
APY—
- 90-day window
- Fee waivable
- Soft credit pull
- Terms verified
Chase Total CheckingChase · Checking
$400Cash bonusafter $1,000 in direct deposits within 90 days
Monthly fee$15/mo (waivable)
APY0.01%
- 90-day window
- Fee waivable
- Soft credit pull
- Terms verified
Wells Fargo Everyday CheckingWells Fargo · Checking
$325Cash bonusafter $1,000 in direct deposits within 90 days
Monthly fee$15/mo (waivable)
APY0.01%
- 90-day window
- Fee waivable
- Soft credit pull
- Terms verified
Citi Regular CheckingCiti · Checking
$325Cash bonusafter $3,000 in direct deposits within 90 days
Monthly fee$15/mo (waivable)
APY0.01%
- 90-day window
- Fee waivable
- Soft credit pull
- Terms verified
Capital One 360 CheckingCapital One · CheckingNo monthly fee
$300Cash bonusafter $1,000 in direct deposits within 75 days
Monthly feeNone
APY0.10%
- 75-day window
- Soft credit pull
- Terms verified
Ally Online SavingsAlly · SavingsNo monthly feeNo direct depositHigh yield
$100Cash bonus
Monthly feeNone
APY3.10%
- Terms verified
Capital One 360 Performance SavingsCapital One · SavingsNo monthly feeNo direct depositHigh yield
3.10%APYRate only — no sign-up bonus
Monthly feeNone
APY3.10%
- Soft credit pull
- Terms verified
Citi SavingsCiti · SavingsNo direct deposit
0.98%APYRate only — no sign-up bonus
Monthly fee$4.50/mo (waivable)
APY0.98%
- Fee waivable
- Soft credit pull
- Terms verified
Where the cash sits
High-yield savings calculator.
Set your starting balance, what you add each month, and the rate. We compound monthly and show what the account is worth at the end.
$10,000
$250/mo
Account & APY
5 years
Projected balanceOpen a SoFi Checking and Savings account →
$28,075SoFi Checking and Savings at 3.30% APY over 5 years
You deposit$25,000
Interest earned$3,075
First-year interest$381
Compounded monthly at the selected APY, with contributions added at month end. Rates are variable and interest is taxable as ordinary income.