How to compare bank bonuses

Compare the work as well as the reward

For each offer, write down the opening deposit, qualifying activity, funding deadline, holding period, fees and expected reward timing. A larger advertised amount may require more money or a longer commitment. Keep the funds you need for ordinary bills available.

Check the application route

Some promotions require a particular link or code. A general account-opening page may not enroll you in the bonus. Use the provider-owned terms linked from the listing and save the terms that apply when you enroll.

Check whether you qualify

Look for restrictions involving location, membership, prior accounts and account standing. Check how the provider defines a qualifying deposit or purchase; an ordinary transfer may not meet that definition.

Include ongoing costs

Compare account maintenance fees, waiver conditions and any minimum balance you would need to maintain. A bonus is one part of the account decision, and a provider can change or withdraw an offer.

Use the current catalog

The catalog shows each published offer’s review date, requirements and official source. Confirm the provider’s current terms before applying. Public bonuses and personal referral rewards are identified separately.

Last updated: October 30, 2026.