Top Checking Account Bonuses for January 2025: Up to $325

As the new year begins, many banks are offering attractive bonuses and promotions for new checking account customers. These offers can provide a significant boost to your savings or help you meet financial goals. Here are seven of the best checking account bonus offers available in January 2025, with potential rewards up to $325.

1. SoFi Checking and Savings
* Bonus: $50 or $300
* Requirements: Deposit $1,000 to $4,999.99 for a $50 bonus or $5,000 or more for a $300 bonus within the first 25 days of account opening.
* APY: 1.20% with no minimum balance requirement.
* Monthly fee: $0.

2. PNC Virtual Wallet - Spend
* Bonus: $100, $200, or $400
* Requirements: Receive a total of at least $500, $2,000, or $5,000 in qualifying direct deposits within 60 days of opening the account.
* APY: Not specified.
* Monthly fee: $7.00, waived with direct deposit or $500 minimum balance.

3. PNC Virtual Wallet® Checking Pro - Spend
* Bonus: $200
* Requirements: Receive a total of at least $2,000 in qualifying direct deposits within 60 days of opening the account.
* APY: Not specified.
* Monthly fee: $0.

4. Bank of America Advantage Plus Banking®
* Bonus: $200
* Requirements: Set up and receive qualifying direct deposits totaling $2,000 or more within 90 days of account opening.
* APY: Not specified.
* Monthly fee: $12.00, waived with qualifying activities.

5. Chase Total Checking® Account
* Bonus: $300
* Requirements: Open a new Chase Total Checking® account and complete 10 qualifying transactions within 60 days of coupon enrollment.
* APY: N/A
* Monthly fee: $12 or $0 with one of the following, each monthly statement period: Electronic deposits made into this account totaling $500 or more, such as payments from payroll providers or government benefit providers, by using (i) the ACH network, (ii) the Real Time Payment or FedNowSM network, (iii) third party services that facilitate payments to your debit card using the Visa® or Mastercard® network, OR a balance at the beginning of each day of $1,500 or more in this account, OR an average beginning day balance of $5,000 or more in any combination of this account and linked qualifying Chase checking, savings, and other balances.

6. Chase Secure Banking℠ Checking Account
* Bonus: $100
* Requirements: Open a new Chase Secure Banking℠ Checking Account and complete 10 qualifying transactions within 60 days of account opening.
* APY: N/A
* Monthly fee: $0.

7. Chase College Checking℠ Account
* Bonus: $100
* Requirements: Open a new Chase College Checking℠ account and complete 10 or more qualifying transactions within 60 days of account opening.
* APY: N/A
* Monthly fee: $12, waived while in school up to the graduation date provided at account opening (five years maximum) for students 17-24 years old.


These offers provide an excellent opportunity to earn extra cash or boost your savings. Be sure to review the terms and conditions of each offer to ensure it aligns with your financial goals and needs. Keep in mind that some offers may have expiration dates, so act quickly to take advantage of these limited-time promotions.