Up To $400 With PNC Virtual Wallet
PNC Virtual Wallet has three primary features: Spend (checking), Reserve (earning interest on checking), and Growth (savings). In a nutshell, it’s a checking account with an interest-earning option.
To avoid the $7/month fee in the basic Virtual Wallet checking account, you’ll need to do $500/month in qualifying direct deposits, maintain a $500 balance, or be at least 62 years old.
Virtual Wallet with Performance Spend earns interest on balances of $2,000 or more. It has a $15/month fee, but you can avoid it in several ways — $2,000 in qualifying direct deposits, a $2,000 balance, or $10,000 in combined PNC consumer deposits.
Virtual Wallet with Performance Select also earns interest on balances of $2,000 or more. It has a $25/month fee that is waived by $5,000 in qualifying direct deposits; a $5,000 balance (including up to 7 linked checking accounts); or $25,000 in combined balances or PNC consumer deposits, and/or investments. This account is also eligible for the higher relationship rates.
And right now, they have a promotional offer where you can earn up to $400 when you complete qualifying activities. Offer valid through March 31, 2025. Member FDIC.
Earn $100 with a new PNC Virtual Wallet and you establish total qualifying direct deposits of
$500 or more to the new Virtual Wallet within the first 60 days.
Earn $200 when you establish total qualifying direct deposits of $2,000 or more to the new
Virtual Wallet with Performance Spend within the first 60 days.
Earn $400 when you establish total qualifying direct deposits of $5,000 or more to the new
Virtual Wallet with Performance Select within the first 60 days.
Read our full PNC Bank review here.
What To Know: Virtual Wallet, Virtual Wallet with Performance Spend and Virtual Wallet with Performance Select are available in AL, AZ, CA, CO, DC, DE, FL, GA, IL, IN, KY, MD, MI, NC, NJ, NY, NM, OH, PA, SC, TX, VA, WI, and WV.
Virtual Wallet with Performance Select is offered in the state of MO with the exception of the Greater Kansas City area. Offer is contingent on product availability and may vary based on your address and where and how you open your account.
If you’re located in AK, AR, CT, HI, ID, IA, KS, LA, ME, MA, MN, MS, MT, NE, NV, NH, ND, OK, OR, RI, SD, TN, UT, VT, WA, WY, or in MO (only in the greater Kansas City area), you can open the PNC Virtual Wallet Checking Pro account.
$350 With First Tech Federal Credit Union
First Tech Rewards Checking® is a solid option for high-interest checking. The account has no minimum balance requirements, no monthly maintenance fees, and a network of 30,000 CO-OP fee-free ATMs.
First Tech Federal Credit Union also has a unique rewards program where you can earn upwards of $60 per month based on account activity. You can earn these rewards through additional cash back on credit card purchases, cash back on minimum loan payments, and more.
Plus, you can earn 3.50% APY on balances up to $15,000 (then 0.05% APY after that)*. To earn the high annual percentage yield (APY), you must do the following:
- 20 transactions with a minimum monthly spend of $500
- Monthly direct deposit of at least $1,000
- Be enrolled in eStatements
Bonus Offer: New and existing account holders can set up qualifying direct deposits to earn a one-time bonus: $50 for $1,000–$5,000 per month or $300 for over $5,000 per month.
Direct deposits must meet the required amount for the bonus tier and occur at least once a month for three months. Offer ends on January 31, 2025. At First Tech Federal Credit Union, NCUA Insured.
Learn more about First Tech Rewards Checking here.
$300 with Key Smart Checking®
Key Bank offers the Key Smart Checking® Account. This checking account is a free, non-interest-bearing account that has no minimum balance requirement, offers automatic overdraft protection from a linked KeyBank savings account, paper checks, and more!
They are very mobile friendly, have access to over 40,000 fee-free ATMs.
Plus, right now they are offering a great bonus offer! You can earn a $300 cash bonus when you open a Key Smart Checking® account online by May 16, 2025 and complete qualified activities.
To qualify, you must do the following:
- Open a Key Smart Checking® online account by May 16, 2025
- Make the minimum opening deposit of $10, plus one eligible direct deposit of at least $1,000 within the first 60 days of account opening
Your $300 cash bonus will be deposited into your account within 60 days of meeting requirements. Accounts must not be closed at the time of gift payment.
Learn more about Key Smart Checking® here.
Read our full KeyBank review here.
Earn A $300 Cash Bonus* with BMO Smart Advantage Checking
The Smart Advantage Checking Account is a great basic checking account with $0 monthly maintenance fee (with paperless statements).
This account also gives you access to 40,000 fee-free ATMs nationwide! And, if you enroll in paperless statements, the $3 monthly fee for check images are waived.
Right now, earn a $300 cash bonus when you open a new Smart Advantage checking account and complete qualifying activities between 11/1/24 and 2/3/25. To qualify for the bonus, you need to have $4,000 in direct deposits within 90 days of opening.*
Read our full BMO review here.
Learn more about BMO Smart Advantage Account here.
* Conditions Apply. Accounts are subject to approval. Available in the U.S. BMO Bank N.A. Member FDIC
Earn a $300 cash bonus! At BMO Bank N.A. Member FDIC
$200 With Barclays Bank
Barclays Bank has a tiered savings account that’s highly comparable to other high yield online savings accounts.
Unlike others on this list, there are no monthly maintenance fees on this account with Barclays. They are about as traditional a bank as you get.
Right now you can earn up to 4.50% APY, with minimum balance requirements.
The tiers are:
Bonus Offer: Right now, Barclays is offering a $200 bonus to new bank customers who open a Tiered Savings account and deposit at least $25,000 within the first 30 days. You’ll need to maintain at least $25,000 for the next 120 days, and the $200 bonus will be added directly to the account. Terms apply.
Read our full Barclay’s Bank review here.
$200 With Upgrade Rewards Checking
Upgrade Rewards Checking is currently offering a $200 bonus when you open a Rewards Checking account with a personal loan, and make three qualifying debit card transactions within the first 60 days.
The Upgrade Rewards Checking account is one of our top picks for free checking because there are no minimum deposits, no monthly maintenance fees, no ATM fees, and more!
Bonus: Right now, you can earn a $200 bonus if you combine the Rewards Checking account with an Upgrade personal loan and make 3 qualifying debit card transactions.
- Just open an Upgrade Personal Loan and Upgrade Rewards Checking Account
- Fund your account and make three debit card transactions within the first 60 days
- $200 bonus will be credited to your account within 60 days of completing the above requirements
Read our full Upgrade review here.
$100 with Chase Secure Banking℠
The Chase Secure Banking℠ is a solid basic checking account option that doesn’t do any type of credit or banking score check. It does have a monthly fee, but if you need a solid banking option, it could be worthwhile.
Chase Secure Banking℠ has a $4.95 per month fee.
Bonus: Right now, you can get up to a $100 bonus when you open an account and complete qualifying activities. That’s awesome!
Read our full Chase Bank review here.
$100 with Chase College Checking℠
The Chase College Checking℠ account is one of the best checking accounts designed for students. Students between the ages of 17-24 don’t have to worry about maintenance fees. $0 Monthly Service Fee for students 17 to 24 years old at account opening, enrolled in college or a vocational, technical or trade school, up to the graduation date provided at account opening (five years maximum) or $12 Monthly Service Fee.
And right now, you can get $100 as a new Chase checking customer when you open a Chase College Checking℠ account and complete 10 qualifying transactions within 60 days of coupon enrollment! That’s awesome!
Chase College Checking℠ has no monthly service fee for up to five years if you’re a student between 17 and 24.
Read our full Chase Bank review here.
$100 with Raisin
Raisin offers brokered savings accounts, money market accounts, and certificates of deposit. They offer some of the most competitive savings rates in the market.
Right now, new customers can earn $100 with a deposit of at least $5,000 when using code NEWYEAR. See site for important details.
The customer must deposit a cumulative amount of $5,000 within 14 days of their first deposit date, and maintain at least $5,000 in the account for 90 days following. The bonus will be paid out within 30 days of completing the qualifying actions. The code NEWYEAR must be used at sign up.
Read our full Raisin review here.