Best Bank Account Bonuses for January 2025: Up to $1,000

As we kick off the new year, many banks are offering enticing bonuses to attract new customers. If you're in the market for a new checking or savings account, now is the perfect time to take advantage of these lucrative offers. Let's explore some of the best bank account bonuses available in January 2025, with potential rewards up to $1,000.

1. Huntington Bank Perks Checking - $400
* Bonus Amount: $400
* Last Day to Sign Up: Feb. 7, 2025
* Bonus Qualifications: Direct deposit
* How to Get the Bonus:
+ Open a new Huntington Perks Checking account
+ Set up direct deposits and receive $500 or more in deposits in the first 90 days
+ Claim the $400 bonus within two weeks after meeting the requirements
* Bonus Restrictions:
- Available to residents of Colorado, Illinois, Indiana, Kentucky, Michigan, Minnesota, Ohio, Pennsylvania, West Virginia, and Wisconsin
- Cannot have a current Huntington Bank personal checking account, be listed on someone else's account, or have closed a Huntington Bank checking account in the last six months
- Qualifying for this bonus may prevent you from applying for any other Huntington Bank promotional offers in the next 12 months
* Account Fees/Details:
- Minimum initial deposit: $0
- Monthly fee: $10 per month; waived if you maintain a total balance of $5,000 in Huntington Bank accounts or receive at least $1,000 in total monthly deposits
- ATM fees: $3.50 per withdrawal at non-Huntington Bank ATMs, not including any third-party ATM fees
- Overdraft fees: $15 per occurrence, up to three times per day
- International transaction fee: 3% of each debit or ATM transaction
2. Truist One Checking - $400
* Bonus Amount: $400
* Last Day to Sign Up: April 30, 2025
* Bonus Qualifications: Direct deposit
* How to Get the Bonus:
+ Open a new Truist One Checking account online using promo code DC2425TR1400
+ Set up direct deposit and receive at least two direct deposits worth $1,000 into the account within 120 days
+ Claim the $400 bonus within four weeks of meeting the requirements
* Bonus Restrictions:
- Available to residents of Alabama, Arkansas, Florida, Georgia, Indiana, Kentucky, Maryland, Mississippi, New Jersey, North Carolina, Ohio, Pennsylvania, South Carolina, Tennessee, Texas, Virginia, West Virginia, and Washington, D.C.
- Cannot have a current Truist checking account and be the primary owner, or have closed an account in the last year
* Account Fees/Details:
- Minimum initial deposit: $50
- Monthly fee: $12, waived if you receive $500 or more in direct deposits per statement cycle; maintain a total balance of $500 or more in Truist accounts; have a Truist credit card, mortgage, or consumer loan (not including LightStream loans); have a linked Truist small business checking account; are a student under age 25; or are 62 years old or older
- ATM fee: $3 at non-Truist domestic ATMs; $5 at non-Truist international ATMs
- Overdraft fee: $0
3. Chase Total Checking - $300
* Bonus Amount: $300
* Last Day to Sign Up: Jan. 22, 2025
* Bonus Qualifications: Direct deposit
* How to Get the Bonus:
+ Open a new Chase Total Checking account
+ Sign up for direct deposit and receive at least $500 in the account within 90 days
+ Claim the $300 bonus within 15 days of the deposit posting
* Account Fees/Details:
- Monthly fee: $12, waived if you receive direct deposits totaling $500 or more or maintain a linked Chase savings account
- ATM fee: $3 per transaction at non-Chase ATMs
- Overdraft fee: $34 per item, up to three items per day
4. Citizens Checking Account - $400
* Bonus Amount: $400
* Last Day to Sign Up: Not specified
* Bonus Qualifications: Direct deposit
* How to Get the Bonus:
+ Open a new Citizens Checking account
+ Set up direct deposit and receive at least $500 in the account within 90 days
+ Claim the $400 bonus within 15 days of meeting the requirements
* Account Fees/Details:
- Monthly fee: $10, waived if you maintain a minimum balance of $5,000 or receive direct deposits totaling $500 or more
- ATM fee: $3 per transaction at non-Citizens ATMs
- Overdraft fee: $35 per item, up to four items per day
5. Wells Fargo Everyday Checking - $300
* Bonus Amount: $300
* Last Day to Sign Up: Not specified
* Bonus Qualifications: Direct deposit
* How to Get the Bonus:
+ Open a new Wells Fargo Everyday Checking account
+ Sign up for direct deposit and receive at least $500 in the account within 90 days
+ Claim the $300 bonus within 15 days of meeting the requirements
* Account Fees/Details:
- Monthly fee: $10, waived if you maintain a minimum balance of $3,000 or receive direct deposits totaling $500 or more
- ATM fee: $2.50 per transaction at non-Wells Fargo ATMs
- Overdraft fee: $35 per item, up to three items per day
6. PNC Virtual Wallet With Performance Select Checking/Savings - $400
* Bonus Amount: $400
* Last Day to Sign Up: Not specified
* Bonus Qualifications: Direct deposit
* How to Get the Bonus:
+ Open a new PNC Virtual Wallet With Performance Select Checking/Savings account
+ Set up direct deposit and receive at least $5,000 in the account within 90 days
+ Claim the $400 bonus within 15 days of meeting the requirements
* Account Fees/Details:
- Monthly fee: $0
- ATM fee: $3 at non-PNC ATMs
- Overdraft fee: $36 per item, up to four items per day
7. TD Bank Beyond Checking - $300
* Bonus Amount: $300
* Last Day to Sign Up: Jan. 1, 2025
* Bonus Qualifications: Direct deposit
* How to Get the Bonus:
+ Open a new TD Bank Beyond Checking account
+ Receive direct deposits totaling $2,500 or more within 60 days
+ Claim the $300 bonus on or before 180 days after account opening
* Account Fees/Details:
- Monthly fee: $16, waived if you maintain a minimum balance of $10,000 or receive direct deposits totaling $2,500 or more
- ATM fee: $3 per transaction at non-TD Bank ATMs
- Overdraft fee: $35 per item, up to four items per day
8. SoFi Checking/Savings - $300
* Bonus Amount: $300
* Last Day to Sign Up: Dec. 31, 2024
* Bonus Qualifications: Direct deposit
* How to Get the Bonus:
+ Open a new SoFi Checking and Savings account
+ Set up direct deposit and receive at least $1,000 in the account within 25 calendar days of your first direct deposit
+ Claim the $300 bonus within seven business days of the end of the Direct Deposit Bonus Period
* Account Fees/Details:
- Monthly fee: $0
- ATM fee: Unlimited ATM fee reimbursements
- Overdraft fee: Not specified

When comparing these offers, consider the bonus amount, qualifying requirements, and account fees. Some banks offer higher bonuses but require more direct deposits or have higher monthly fees. Others may have lower bonuses but offer more competitive interest rates or additional benefits. Choose the offer that best fits your financial goals and banking needs.

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