28 offers · updated June 2026
If you're new to earning bank bonuses, start here. These 28 beginner-friendly offers were picked for low or no upfront deposit and simple, hard-to-miss requirements, with the largest currently worth $450. That makes them a low-risk way to learn the process before moving on to larger offers. Each listing shows exactly what to do and by when. Featured banks include U.S. Bank, Chase, PNC, SoFi, and others.
Open Smartly Checking and complete qualifying direct deposits. VERIFY amount/tiers and offer code.
Direct deposits totaling $1,000+ within 90 days. New customers only.
Direct deposit(s) totaling $2,000+ within 60 days.
$5,000 in eligible direct deposits within 25 days of first deposit.
Receive direct deposits totaling $500+ within 90 days. Platinum Perks tier may pay more. VERIFY.
Open Virtual Wallet; earn up to $400 with direct deposits totaling $5,000+ within 60 days (tiered from $100). VERIFY tiers.
Complete qualifying activities within 30 days including debit purchases and direct deposit setup.
Open with offer code and make direct deposits totaling $500+ within 90 days. VERIFY active code.
Make $2,000+ in eligible direct deposits within 90 days ($300 tier; higher tier for $5,000+). VERIFY tiers + states.
Receive $500+ in direct deposits within 60 days. Up to $300 in eligible East Coast states. VERIFY amount + state list.
Receive qualifying direct deposits. Bonus is tiered by total DD amount — VERIFY tiers on official page.
Open Total Checking and set up direct deposit within 90 days of coupon enrollment. VERIFY current amount/coupon.
Receive qualifying direct deposits within 90 days. VERIFY tiered amount and any offer code.
Receive $1,000+ in qualifying direct deposits within 90 days. VERIFY current amount.
Use promo code from signup. Make $500+ in qualifying direct deposits within 90 days.
Use promo code, then make two qualifying direct deposits of $500+ within 75 days. VERIFY active promo code.
Two qualifying direct deposits of $500+ each within 75 days. Use promo code CHECKING250.
Make direct deposit of $500+ within 90 days of account opening.
Open account and make 3 qualifying debit card transactions within 60 days.
Make $500+ in qualifying direct deposits within 60 days of account opening.
Use promo code from signup. Make $500+ in qualifying direct deposits within 90 days.
Use promo code from signup. Make $500+ in qualifying direct deposits within 90 days.
No minimum deposit required. Complete qualifying activities within 30 days.
No minimum direct deposit required. New customers only.
Maintain average daily balance of $100 for 12 months. No monthly fees with ePayments.
Direct deposit(s) totaling $500+ within 60 days.
Free shares for new funded accounts; ACAT transfer match (~3.5%). VERIFY current match and free-share terms.
Open and fund a new SoFi Active Investing account for stock bonus (up to ~$1,000 in stock, deposit-tiered). VERIFY current promo.
Little or no money of your own required, a straightforward requirement (like one direct deposit or a few debit purchases), and a generous deadline — so there's minimal risk of missing the bonus.
Several offers on this page require no deposit of your own at all. Others ask for a small amount that you keep and can withdraw after the hold period.
The hard part isn't finding a bonus — it's meeting every requirement before the deadline. BonusBoard tracks all of it for you, so you actually collect the cash.
Some links on this page are affiliate links — BonusBoard may earn a commission if you open an account, at no cost to you. This never affects how offers are ranked. Bonus terms are set by the bank and may change; always confirm details on the bank's official page before applying.