Best Bank Account Sign-Up Bonuses & Cash Incentives

The Chase Total Checking from Chase is one of the top-rated Checking Accounts options evaluated on MoneyCompared, earning an overall product score of 7.9/10. America's most popular everyday branch checking account with access to 4,700+ branches, 15,000+ ATMs, Zelle, and Chase Overdraft Assist ($50 buffer).

Key highlights include 0.01% APY, a fee structure of $12 Monthly Fee ($0 w/ $500 Direct Deposit or $1,500 Balance), and $300 New Checking Customer Bonus with Direct Deposit. Accounts are backed by FDIC Insured up to $250,000 and supported by Chase's 4.9 / 5.0-rated digital banking experience.

The BMO Smart Advantage Checking from BMO is one of the top-rated Checking Accounts options evaluated on MoneyCompared, earning an overall product score of 8.6/10. No-monthly-maintenance-fee checking account with $0 overdraft fees and access to over 40,000 fee-free BMO and Allpoint ATMs across North America.

Key highlights include 0.00% APY, a fee structure of $0 Monthly Maintenance Fee (with paperless statements), and Up to $350 New Checking Bonus with Direct Deposit. Accounts are backed by FDIC Insured up to $250,000 and supported by BMO's 4.7 / 5.0-rated digital banking experience.

The Key Smart Checking from KeyBank is one of the top-rated Checking Accounts options evaluated on MoneyCompared, earning an overall product score of 8.6/10. True no-monthly-maintenance-fee checking account with $0 minimum balance requirement and access to 40,000+ KeyBank and Allpoint ATMs.

Key highlights include 0.00% APY, a fee structure of $0 Monthly Maintenance Fee, and $300 New Checking Offer with Direct Deposit. Accounts are backed by FDIC Insured up to $250,000 and supported by KeyBank's 4.7 / 5.0-rated digital banking experience.

The Charles Schwab Bank High Yield Investor Checking from Charles Schwab Bank is one of the top-rated Checking Accounts options evaluated on MoneyCompared, earning an overall product score of 9.8/10. Gold-standard checking account for global travelers offering unlimited worldwide ATM fee rebates at the end of every month, $0 monthly fee, and 0% foreign transaction fees.

Key highlights include 0.45% APY on all balances, a fee structure of $0 Monthly Maintenance Fee, and Linked Schwab One Brokerage Account Included. Accounts are backed by FDIC Insured up to $250,000 and supported by Charles Schwab Bank's 4.9 / 5.0-rated digital banking experience.

The Starling Bank Personal Current Account from Starling Bank is one of the top-rated Checking Accounts options evaluated on MoneyCompared, earning an overall product score of 9.8/10. Award-winning UK digital current account with Saving Spaces, Round Ups, Virtual Cards, and unlimited fee-free ATM withdrawals and card spending abroad.

Key highlights include 3.25% AER on balances up to £5,000, a fee structure of £0 Monthly Account Fee, and Unlimited Virtual Debit Cards Linked to Saving Spaces. Accounts are backed by FSCS Protected up to £85,000 and supported by Starling Bank's 4.9 / 5.0-rated digital banking experience.

The Discover Cashback Debit Checking from Discover is one of the top-rated Checking Accounts options evaluated on MoneyCompared, earning an overall product score of 9.6/10. Rare rewards checking account paying 1.00% cash back on up to $3,000 in debit card purchases every month ($360/year) with zero monthly or overdraft fees.

Key highlights include 1.00% Cash Back on Debit Card Purchases, a fee structure of $0 Monthly Fee, $0 Overdraft Fee, and Earn up to $360/Year in Debit Card Cash Back. Accounts are backed by FDIC Insured up to $250,000 and supported by Discover's 4.9 / 5.0-rated digital banking experience.