Best Checking Account Bonuses this March 2026

What sets this account apart is its accessibility and the ability to waive the monthly fee through direct deposits or maintaining a minimum balance. Chase Total Checking is designed for everyday banking needs, making it a solid choice for those who want a straightforward account without the complexities of higher-tier options.

You can open a Chase Savings® account at the same time as your Chase Total Checking account to manage your money in one place.

New customers can earn a $400 bonus by opening a Chase Total Checking® account with qualifying activities.

To avoid the $15 monthly fee, you need to have any one of the following: $500+ in qualifying electronic deposits, $1,500+ balance at the beginning of each day, or $5,000+ average beginning day balance.

This account shines for its attractive bonus offer for new customers, making it a great option for those looking to maximize their initial banking experience. The Smartly Checking account also provides flexibility with fee waivers, appealing to a broad range of customers.

The U.S. Bank Smartly Checking account earns 0.005% APY on balances of $25,000.00 or more.

The U.S. Bank Smartly Savings account charges a $5 monthly maintenance fee, which is waived if you also have a Bank Smartly Checking account.

A key differentiator is the flexibility in waiving the monthly fee through various methods, making it accessible for customers with different banking habits. The Advantage Plus Banking account combines essential features with the potential for significant bonuses, appealing to a wide audience.

To avoid the $12 Monthly Fee, you must maintain a minimum daily balance of $1,500 or more, make at least one qualifying Direct Deposit of $250 or more, or be a member of the Preferred Rewards program.

This account offers a unique combination of interest earnings and cash bonuses, making it attractive for those who can maintain higher balances. The Key Select Checking account is designed for customers looking for both flexibility and rewards in their banking experience.

Key Select Checking accounts offer features like fee-free access to 40,000+ ATMs and a welcome bonus of $500 for making qualifying deposits.

To earn the $500 bonus, make a $50 minimum opening deposit and a total of $5,000 or more in eligible direct deposits within 90 days of account opening.

The Key Select Checking account has a monthly fee of $25.

This account is appealing for its simplicity and lack of monthly fees, making it a great choice for those who want a straightforward banking experience without the burden of maintaining a minimum balance. The Key Smart Checking account is ideal for everyday transactions.

Key Smart Checking has no minimum balance requirement and no monthly maintenance fee.

Key Smart Checking is a checking account with a 0.00% APY and no monthly fee.

Earn a $300 bonus by opening a Key Smart Checking account and meeting qualifying activities.

The standout feature here is the comprehensive suite of benefits designed for high-balance earners, including superior interest rates on savings and full ATM fee reimbursements. The PNC Virtual Wallet with Performance Select is tailored for customers who want to maximize their banking experience.

The PNC Virtual Wallet with Performance Select is a comprehensive banking solution that includes features for spending, saving, and planning.

To avoid the $25 monthly fee on the PNC Virtual Wallet with Performance Select, you must have monthly direct deposits of $5,000 to your Spend account.

The PNC Virtual Wallet with Performance Select earns 0.01% APY.

BMO Smart Advantage Checking is an excellent choice for those seeking a no-fee account with easy access to funds and a generous bonus offer. The account encourages paperless banking, making it a modern option for tech-savvy customers.

The BMO Smart Advantage Checking account is a popular checking account with no monthly maintenance fee and the ability to bank from anywhere using digital tools.

There are no monthly fees for the BMO Smart Advantage Checking account, making it easy to enjoy fee-free banking.

The BMO Smart Advantage Checking account has no monthly maintenance fee and a $15 overdraft fee, while BMO Smart Money offers no overdraft fees.

The BMO Smart Advantage Checking account offers an APY of 0.01%.

Yes, you can earn a $400 cash bonus when you open a new BMO Smart Advantage checking account.

This account is designed for younger customers or those looking for a low-fee option without the burden of overdraft fees. The BMO Smart Money Checking account provides essential features while encouraging responsible banking habits.

The BMO Smart Money Checking account is a low monthly fee checking account with a $5 monthly fee and no overdraft charges.

The BMO Smart Money Checking account has an APY of 0.00%.

You can earn a $400 cash bonus by opening a new BMO Smart Money checking account and meeting qualifying direct deposit requirements.

Chime Checking Account is a top pick for those seeking a no-fee banking experience with easy access to funds. Its emphasis on digital banking and fee-free transactions makes it an attractive option for tech-savvy users.

Chime offers an online checking account with no monthly fees and no minimum balance requirements.

Chime does not provide a savings account APY; however, it often offers a checking account bonus for new members who set up qualifying direct deposits.

Citi Checking with Direct Deposit is appealing for its robust bonus structure and extensive ATM access. The account is designed for customers who can meet the direct deposit requirements, making it a practical choice for regular banking needs.

You can avoid the $15 monthly fee on your Citi Checking account by making Enhanced Direct Deposits of $250 or more each month.

New customers can earn a $325 cash bonus by completing at least $3,000 in qualifying Enhanced Direct Deposits within 90 days.