10 Of The Best Bank Deals Available Today


Interest rates at FDIC-insured banks remain at an all-time low. I’ve tracked rates for more than a decade on sites such as Magnify Money and Consumerism Commentary. Back in the day rates of 5.00% or more were common. It may take us years to get back to those levels.


Automated teller machines (ATM) are seen inside a Citigroup Inc. bank branch in Chicago, Illinois, U.S., on Saturday, July 8, 2017. Citigroup Inc. is scheduled to release earnings figures on July 14. Photographer: Christopher Dilts/Bloomberg

Banks, however, still want to attract your savings dollars. One way they do that is with cash bonus offers. Some financial institutions offer hundreds of dollars in promotions to get your business.

Here are some of todays best bank deals, along with what you’ll need to do to qualify for the bonus offer (Disclosure: Chase Bank is an advertiser on my finance blog).


1. TD Bank Premier Checking ($300)

Get $300 for opening a new TD Bank Premier Checking account.

Youll need to open the account online. Then, you need to set up direct deposits totaling at least $2,500 to be received into the account within the first 60 days.

You should note that the Premier Checking account has a $25 monthly service fee, which is waived if you maintain a $2,500 minimum daily balance.

Minimum deposit: $2,500 in direct deposits within 60 days Other requirement(s): None Where to apply: Online Bonus timeframe: Allow 95 days for the bonus to appear in your account once youve completed all steps Account fees: Yes, $25. Fees are waived if you maintain a $2,500 daily balance 2. TD Bank Convenience Checking ($150)


A step down from the offer above, this TD Bank Convenience Checking account gives half the bonus but with only a fifth of the requirement.

Once you open the new checking account, youll need to set up direct deposits totaling $500 or more, to be received into the account within the first 60 days.

To avoid the $15 monthly maintenance fee, youll need to keep a minimum daily balance of $100.

Minimum deposit: $500 in direct deposits within 60 days Other requirement(s): None Where to apply: Online Bonus timeframe: Allow 95 days for the bonus to appear in your account once youve completed all steps Account fees: Yes, $15. Fees are waived if you maintain a $100 daily balance 3. Chase Premier Plus Checking ($300)


Open a new Chase Premier Plus checking account and youll receive a $300 bonus. You can either apply online for this new account or print an online coupon to carry into your local branch.

Youll need to deposit a minimum of $25 into the account within the first 60 days of opening, as well as establish direct deposit. Once youve completed these steps, you should see your $300 bonus in the account in about 10 business days.

You should note that the Premier Plus checking account does have a $25 monthly service fee, if your average daily balance across all Chase accounts (checking, savings, etc) is less than $15,000. Another way to waive this fee is to set up autopay from the account to your qualifying Chase mortgage.


Minimum deposit: $25 in the first 60 days Other requirement(s): Set up direct deposit to the account Where to apply: Online or in-branch (after printing online coupon to carry in) Bonus timeframe: Within 10 business days Account fees: Yes, $25 monthly. This fee is waived if you keep an average daily balance of $15,000 or more between all Chase accounts, or set up auto-pay to your qualifying Chase mortgage. 4. Chase Total Checking ($200)

This offer can be combined with #5 below, for a total of $350 in bonuses.

Open a new Chase Total Checking account and get a $200 bonus added to your account.


Youll need to open the new account at your local Chase branch (after signing up to receive the online coupon by email) and deposit $25 or more. Then, have a direct deposit made into the account within the first 60 days, and youll get your bonus within 10 business days.

The Chase Total Checking accounts have a $12 service fee. This fee is waived if one of the following is met each billing cycle: A) Keep a minimum daily balance of $1,500 or more in the account, B) Have monthly direct deposits totaling $500 or more made into the account, or C) Hold an average beginning daily balance of at least $5,000 in any combination of qualifying and linked Chase accounts (checking, savings, etc).


Minimum deposit: $25 Other requirement(s): Receive a direct deposit into the account within 60 days Where to apply: In-branch after signing up and receiving an email coupon for the offer Bonus timeframe: 10 business days Account fees: Yes, $12 monthly fee. This is waived with a minimum daily balance of $1,500+, monthly direct deposits of $500+, or a total of $5,000 held in qualifying and linked Chase accounts. 5. Chase Savings ($150)

Open a new Chase Savings account and snag a $150 bonus, in addition to other Chase bonus offers.


After signing up online to receive an email coupon, visit your local Chase branch (coupon in hand) to open your new Chase Savings account. Deposit $10,000 or more in new money (no transfers from existing Chase accounts) in the first 10 business days. Then, maintain a $10,000 balance for a minimum of 90 days.

Once the 90 days has passed and youve maintained the balance requirements, your $150 balance will be added to the account in 10 business days or less.

Chase Savings accounts have a $5 monthly service fee. This fee is waived if one of the following is met each billing cycle: A) Keep a minimum daily balance of $300 or more in the account, B) Have at least one repeating automatic transfer of $25+ made into the account from your Chase personal checking account, or C) Have a linked Chase Premier Platinum Checking or Chase Private Client Checking account.

Minimum deposit: $10,000 Other requirement(s): Maintain a $10,000+ balance for a minimum of 90 days Where to apply: In-branch after signing up and receiving an email coupon for the offer Bonus timeframe: 10 business days after maintaining the balance for 90 days Account fees: Yes, $5 monthly fee. This is waived with a minimum daily balance of $300+, monthly auto-transfers from a Chase personal checking account of $25+, or also holding a Premier Platinum Checking or Private Client Checking account through Chase. 6. Capital One 360 Checking + Money Market ($200 + $200 = $400)

If youre a new Capital One 360 customer, you can earn up to $400 in cash bonuses. Simply open a new 360 Checking account online before September 30, 2017 and deposit a minimum of $1,000. Accept their account terms and conditions, and receive a $200 bonus in your account in approximately 10 weeks.