Banking Checking Accounts

Best Bank Referral Programs [2025]: Refer Friends + Earn Money

Using a bank referral program is an excellent way to make extra money by simply sharing products you use and love with your friends.

By Ben Walker, CEPF, CFEI®

Edited by Lauren Graves

Updated Oct. 14, 2025

A bank referral bonus lets you earn cash for convincing your friends and family to sign up for the account you have (or a similar one). It's an easy, low-effort way to make some money, but not all bank accounts offer them. And not all of the ones available are worth it.

Bank referrals should be easy to qualify for and make a little effort worthwhile. To help you find bonuses that do both, we analyzed many top institutions to put together this list of the best referrals from banks for checking accounts.

Learn more about each of the referral bonuses we've chosen, including how much you can earn and what you have to do to qualify, and see our tips for picking ones worth your time.

Limited-Time Offer

2025 award winner Best Checking and Savings Combo

SoFi Checking and Savings

5.0

Learn More on SoFi's secure website, Member FDIC

Bonus Offer

Up to $300

Minimum Opening Balance

Monthly Fee

Why We Like It

Earn a $50 or $300 bonus and up to 4.00% APY¹ New and existing Checking and Savings members who have not previously enrolled in Direct Deposit with SoFi are eligible to earn a cash bonus of either $50 (with at least $1,000 total Eligible Direct Deposits received during the Direct Deposit Bonus Period) OR $300 (with at least $5,000 total Eligible Direct Deposits received during the Direct Deposit Bonus Period). Cash bonus will be based on the total amount of Eligible Direct Deposit. If you have satisfied the Eligible Direct Deposit requirements but have not received a cash bonus in your Checking account, please contact us at 855-456-7634 with the details of your Eligible Direct Deposit. Direct Deposit Promotion begins on 12/7/2023 and will be available through 1/31/2026. Full terms at sofi.com/banking. SoFi Checking and Savings is offered through SoFi Bank, N.A., Member FDIC.SoFi members with Eligible Direct Deposit can earn 3.30% annual percentage yield (APY) on savings balances (including Vaults) and 0.50% APY on checking balances. There is no minimum Eligible Direct Deposit amount required to qualify for the 3.30% APY for savings (including Vaults). Members without Eligible Direct Deposit will earn 1.00% APY on savings balances (including Vaults) and 0.50% APY on checking balances. Interest rates are variable and subject to change at any time. These rates are current as of 12/23/25. There is no minimum balance requirement. Fees may reduce earnings. Additional information can be found at <a href="http://www.sofi.com/legal/banking-rate-sheet">http://www.sofi.com/legal/banking-rate-sheet</a>. on your money with eligible direct deposit
Limited-Time Offer: +0.70% Boost on Savings APY for 6 months on new accounts with eligible Direct Deposit. Terms Apply.² Earn up to 4.00% Annual Percentage Yield (APY) on SoFi Savings with a 0.70% APY Boost (added to the 3.30% APY as of 12/23/25) for up to 6 months. Open a new SoFi Checking and Savings account and pay the $10 SoFi Plus subscription every 30 days OR receive eligible direct deposits OR qualifying deposits of $5,000 every 31 days by 1/31/26. Rates variable, subject to change. Terms apply at <a href="https://www.sofi.com/banking/#2">sofi.com/banking#2</a>. SoFi Bank, N.A. Member FDIC.
No account, overdraft, or monthly fees³ We do not charge any account, service or maintenance fees for SoFi Checking and Savings. We do charge a transaction fee to process each outgoing wire transfer. SoFi does not charge a fee for incoming wire transfers, however the sending bank may charge a fee. Our fee policy is subject to change at any time. See the SoFi Checking & Savings Fee Sheet for details at <a href="http://sofi.com/legal/banking-fees/">sofi.com/legal/banking-fees/</a>
Get your paycheck up to two days early with direct deposit⁴ Early access to direct deposit funds is based on the timing in which we receive notice of impending payment from the Federal Reserve, which is typically up to two days before the scheduled payment date, but may vary.
Access additional FDIC insurance up to $3 million⁵ SoFi Bank is a member FDIC and does not provide more than $250,000 of FDIC insurance per depositor per legal category of account ownership, as described in the FDIC’s regulations. Any additional FDIC insurance is provided by the SoFi Insured Deposit Program. Deposits may be insured up to $3M through participation in the program. See full terms at <a href="http://sofi.com/banking/fdic/sidpterms">SoFi.com/banking/fdic/sidpterms</a>. See list of participating banks at <a href="http://sofi.com/banking/fdic/participatingbanks">SoFi.com/banking/fdic/participatingbanks</a>.

Learn More on SoFi's secure website, Member FDIC

How we rate products

Compare the best bank referral programs

The following checking account referral bonuses are well worth trying for, if you think you can qualify.

Bank	Best for you if:	Bonus per referral	Eligible accounts
SoFi®	You're looking for a referral bonus that's easy to qualify for	$75 for you, $25 for your referral	SoFi Checking and Savings¹ <p>New and existing Checking and Savings members who have not previously enrolled in Direct Deposit with SoFi are eligible to earn a cash bonus of either $50 (with at least $1,000 total Eligible Direct Deposits received during the Direct Deposit Bonus Period) OR $300 (with at least $5,000 total Eligible Direct Deposits received during the Direct Deposit Bonus Period). Cash bonus will be based on the total amount of Eligible Direct Deposit. If you have satisfied the Eligible Direct Deposit requirements but have not received a cash bonus in your Checking account, please contact us at 855-456-7634 with the details of your Eligible Direct Deposit. Direct Deposit Promotion begins on 12/7/2023 and will be available through 1/31/2026. Full terms at sofi.com/banking. SoFi Checking and Savings is offered through SoFi Bank, N.A., Member FDIC.</p><p>SoFi members with Eligible Direct Deposit can earn 3.30% annual percentage yield (APY) on savings balances (including Vaults) and 0.50% APY on checking balances. There is no minimum Eligible Direct Deposit amount required to qualify for the 3.30% APY for savings (including Vaults). Members without Eligible Direct Deposit will earn 1.00% APY on savings balances (including Vaults) and 0.50% APY on checking balances. Interest rates are variable and subject to change at any time. These rates are current as of 12/23/25. There is no minimum balance requirement. Fees may reduce earnings. Additional information can be found at <a href="http://www.sofi.com/legal/banking-rate-sheet">http://www.sofi.com/legal/banking-rate-sheet</a>.</p>
Chase	You want a high likelihood of qualifying for a bonus	$50 for you (up to $500 per year), up to $300 for your referral	Chase Total Checking^® Chase Private Client Checking℠ Chase Secure Banking℠ And more
Axos Bank	You want the option to make unlimited referrals	$50 for you, $50 for your referral	Rewards Checking Axos ONE
TD Bank	You want a bonus you can earn without requiring direct deposits from your friends	$50 for you (up to $500 per year), $50 for your referral	TD Complete Checking TD Beyond Checking TD Essential Banking

SoFi® Referral Program: Earn $75

Best for: Easy + and fast referral bonuses

2025 award winner Best Checking and Savings Combo

5.0

SoFi Checking and Savings

Earn Up to $300 When You Set Up Direct Deposit

Limited-Time Offer: Earn a $50 or $300 bonus and up to 4.00% APY on Savings (3.30% APY¹with +0.70% APY Boost) for 6 Months on new accounts with eligible direct deposit. Terms Apply.² FDIC Insured.⁵

Learn More

SoFi's referral program

Bonus: You receive $75 and your referral receives $25.
Required activity: Your referral must be a new SoFi® member and use your link to open and fund a new SoFi Checking and Savings¹ New and existing Checking and Savings members who have not previously enrolled in Direct Deposit with SoFi are eligible to earn a cash bonus of either $50 (with at least $1,000 total Eligible Direct Deposits received during the Direct Deposit Bonus Period) OR $300 (with at least $5,000 total Eligible Direct Deposits received during the Direct Deposit Bonus Period). Cash bonus will be based on the total amount of Eligible Direct Deposit. If you have satisfied the Eligible Direct Deposit requirements but have not received a cash bonus in your Checking account, please contact us at 855-456-7634 with the details of your Eligible Direct Deposit. Direct Deposit Promotion begins on 12/7/2023 and will be available through 1/31/2026. Full terms at sofi.com/banking. SoFi Checking and Savings is offered through SoFi Bank, N.A., Member FDIC.SoFi members with Eligible Direct Deposit can earn 3.30% annual percentage yield (APY) on savings balances (including Vaults) and 0.50% APY on checking balances. There is no minimum Eligible Direct Deposit amount required to qualify for the 3.30% APY for savings (including Vaults). Members without Eligible Direct Deposit will earn 1.00% APY on savings balances (including Vaults) and 0.50% APY on checking balances. Interest rates are variable and subject to change at any time. These rates are current as of 12/23/25. There is no minimum balance requirement. Fees may reduce earnings. Additional information can be found at <a href="http://www.sofi.com/legal/banking-rate-sheet">http://www.sofi.com/legal/banking-rate-sheet</a>. account with at least $50 within 21 days of receiving the referral link.

SoFi's referral offer is one of the easiest and fastest you can get, only requiring you to share a unique link with your friends. Your friend then has to open and fund a new SoFi Checking and Savings account and meet the very low deposit requirement to qualify (although the offer didn't previously have a deposit requirement at all).

We chose this referral bonus not only because it's larger than most but also because it has the potential to be one of the fastest you can qualify for, given that the deposit requirement is so low and doesn't strictly require direct deposits. And according to SoFi, it's paid out over $54 million in referral bonuses.

ACH transfers, cash and check deposits, and P2P transfers also qualify. Once your referral meets the requirements, you should receive your $75 within just seven business days, which is lightning-fast compared to other offers.

SoFi is a Member, FDIC⁵ SoFi Bank is a member FDIC and does not provide more than $250,000 of FDIC insurance per depositor per legal category of account ownership, as described in the FDIC’s regulations. Any additional FDIC insurance is provided by the SoFi Insured Deposit Program. Deposits may be insured up to $3M through participation in the program. See full terms at <a href="http://sofi.com/banking/fdic/sidpterms">SoFi.com/banking/fdic/sidpterms</a>. See list of participating banks at <a href="http://sofi.com/banking/fdic/participatingbanks">SoFi.com/banking/fdic/participatingbanks</a>. .

Pros

Simple referral program
No monthly service fees³ We do not charge any account, service or maintenance fees for SoFi Checking and Savings. We do charge a transaction fee to process each outgoing wire transfer. SoFi does not charge a fee for incoming wire transfers, however the sending bank may charge a fee. Our fee policy is subject to change at any time. See the SoFi Checking & Savings Fee Sheet for details at <a href="http://sofi.com/legal/banking-fees/">sofi.com/legal/banking-fees/</a>
Up to 3.30% APY⁶ Annual percentage yield (APY) is variable and subject to change at any time. Rates are current as of 12/23/25. There is no minimum balance requirement. Fees may reduce earnings. Additional rates and information can be found at <a href="https://www.sofi.com/legal/banking-rate-sheet">https://www.sofi.com/legal/banking-rate-sheet</a> with direct deposit

Cons

No in-person branches
Higher APY requires direct deposit

Visit SoFi® or learn more in our SoFi® review.

Chase Refer-A-Friend: Earn up to $500

Best for: Giving your friends plenty of account options

4.3

Chase Total Checking®

Enjoy $300 as a new Chase checking customer

When you open a new Chase Total Checking® account with qualifying activities.⁷ FDIC Insured. Offer valid through 1/21/2026.

Learn More

Chase's referral program

Bonus: You receive $50 and your referral can earn up to $300 when they complete qualifying activities. You can refer as many as 10 friends per year for $500 in total bonuses.
Required activity: Your referral must be a new Chase customer and open a qualifying personal checking account with qualifying activities using the corresponding offer.

Chase's referral bonus is offered on six different checking accounts, so it could be a good choice for you if you want to cast a wide net or aren't sure which accounts your friends might go for. Qualifying accounts include Chase Total Checking^®, Chase Private Client Checking℠, Chase Secure Banking℠, and others. Having six options for your friends to choose from may make you more likely to qualify for the bonus, as opposed to convincing them to open one account.

Your friend can qualify for a sizable bonus with Chase if they meet qualifying activity, though we'll note that this bonus isn't exclusive to referrals and is offered to all new customers. Still, you can earn hundreds with referrals each year, so it's worth trying to get what you can this way.

Be prepared to wait up to 30 days for your bonus to be deposited into your account, though. Chase referrals aren't as fast as others on this list, like SoFi, so it wouldn't be our first pick for you if you're going for speed.

Pros

Simple referral program
In-person branches
Nationwide presence

Cons

Low APY rates on savings accounts
Monthly maintenance fees unless you meet specific criteria

Visit Chase or learn more in our Chase review.

Editor's note

Chase is also one of the best banks for joint accounts, whether you're a couple looking to bank together or a parent looking into joint banking with your child.

Axos Bank Refer a Friend Program: Earn $50+

Best for: Unlimited referrals

5.0

Axos ONE®

Axos ONE® - Earn up to 4.31% APY

Axos ONE® offers up to a powerful 4.31% APY on savings and 0.51% APY⁸ The Annual Percentage Yield (APY) is accurate as of 12/01/2025. The base and promotional interest rate and corresponding APY for Axos ONE Checking is variable and is set at our discretion. The base and promotional interest rate and corresponding APY for Axos ONE Savings is variable and is set at our discretion. Axos ONE Savings is a tiered variable rate account. Axos ONE Checking is a non-tiered variable rate account. Interest rates may change as often as daily without prior notice. Fees may reduce earnings.Promotional terms and conditions are subject to change or removal without notice. Incentive may be taxable and reported on IRS Form 1099-MISC. Consult your tax advisor. After the accounts are opened, the amount of incentive earned will depend on meeting the additional requirements outlined below.The Axos ONE Checking account will earn a base rate of 0.00% APY. The Axos ONE Savings account will earn a base rate of 1.00% APY.Axos ONE accounts are eligible to receive a promotional APY for each statement cycle where the promotional criteria are met during the Qualification Period. To receive the promotional APY on both Axos ONE Checking and Axos ONE Savings, the Axos ONE Checking account must meet both of the requirements in either Option 1 or Option 2 below during the Qualification Period:Option 11. Your Axos ONE Checking account has received qualifying direct deposits of at least $1,500 in total.2. The average daily balance of your Axos ONE Checking account is at least $1,500.Option 21. Your Axos ONE Checking account has received qualifying deposits of at least $5,000 in total.2. The average daily balance of your Axos ONE Checking account is at least $5,000.If both of the requirements in either Option 1 or Option 2 above are met during the Qualification Period:• The Axos ONE Checking account will earn a promotional rate of 0.51% APY for the statement cycle in which the requirements are met.• The Axos ONE Savings account will earn a promotional rate of up to 4.31% APY for the statement cycle in which the requirements are met.The Qualification Period is from the 1st of the month through the 25th of the month. The Qualification Period for new accounts will begin on the day the account is approved. Any qualifying direct deposits received after the 25th of the month will count toward the next Qualification Period. A direct deposit is an electronic deposit of your paycheck or government benefits, such as Social Security, Disability, etc. Other deposits (i.e., online banking transfers, ATM and mobile check deposits, etc.) or person-to-person payments are not considered a direct deposit.Qualifying deposits only include deposits from the following eligible sources: (i) ACH transfers from external accounts, (ii) inbound wire transfers from external accounts, (iii) check deposits. Qualifying deposits do not include: (i) transfers internal to the bank (i.e., transfers between an account holder’s Checking and/or Savings account), (ii) interest payments, (iii) promotional bonuses, (iv) credits, reversals, and refunds.Both accounts must be in an open and active status on the date the interest is paid to receive the promotional APY for that statement cycle. Account transactions may take one or more business days from the transaction date to post to the account. on checking to help you grow your money. No monthly maintenance, minimum balance, account opening, or overdraft fees. FDIC insured.

Learn more

Axos's referral program

Bonus: You receive $50, and your referral receives $50.
Required activity: Your referral must use your link to open a new Rewards Checking or Axos ONE account and receive at least $1,500 in qualifying direct deposit funding within 90 days of account opening.

Unlike the vast majority of bank referral programs, there's no limit to how many referral bonuses you can earn with Axos checking referrals.

Axos' Refer-a-Friend program is one of the only ones we've found that offers unlimited bonuses, so we'd recommend it if you're feeling determined and think you could recruit lots of people you know. Once your referral meets requirements, you should both receive your bonuses within 21 days. Axos has pretty steep direct deposit requirements for its bonuses, so avoid this if you don't think the people you know could meet those.

This online bank's accounts are appealing, with possible perks like interest on checking balances and unlimited ATM fee reimbursements. We most recommend the Axos ONE® account, because it combines features of checking and savings accounts, earning up to 4.31% APY⁸ The Annual Percentage Yield (APY) is accurate as of 12/01/2025. The base and promotional interest rate and corresponding APY for Axos ONE Checking is variable and is set at our discretion. The base and promotional interest rate and corresponding APY for Axos ONE Savings is variable and is set at our discretion. Axos ONE Savings is a tiered variable rate account. Axos ONE Checking is a non-tiered variable rate account. Interest rates may change as often as daily without prior notice. Fees may reduce earnings.Promotional terms and conditions are subject to change or removal without notice. Incentive may be taxable and reported on IRS Form 1099-MISC. Consult your tax advisor. After the accounts are opened, the amount of incentive earned will depend on meeting the additional requirements outlined below.The Axos ONE Checking account will earn a base rate of 0.00% APY. The Axos ONE Savings account will earn a base rate of 1.00% APY.Axos ONE accounts are eligible to receive a promotional APY for each statement cycle where the promotional criteria are met during the Qualification Period. To receive the promotional APY on both Axos ONE Checking and Axos ONE Savings, the Axos ONE Checking account must meet both of the requirements in either Option 1 or Option 2 below during the Qualification Period:Option 11. Your Axos ONE Checking account has received qualifying direct deposits of at least $1,500 in total.2. The average daily balance of your Axos ONE Checking account is at least $1,500.Option 21. Your Axos ONE Checking account has received qualifying deposits of at least $5,000 in total.2. The average daily balance of your Axos ONE Checking account is at least $5,000.If both of the requirements in either Option 1 or Option 2 above are met during the Qualification Period:• The Axos ONE Checking account will earn a promotional rate of 0.51% APY for the statement cycle in which the requirements are met.• The Axos ONE Savings account will earn a promotional rate of up to 4.31% APY for the statement cycle in which the requirements are met.The Qualification Period is from the 1st of the month through the 25th of the month. The Qualification Period for new accounts will begin on the day the account is approved. Any qualifying direct deposits received after the 25th of the month will count toward the next Qualification Period. A direct deposit is an electronic deposit of your paycheck or government benefits, such as Social Security, Disability, etc. Other deposits (i.e., online banking transfers, ATM and mobile check deposits, etc.) or person-to-person payments are not considered a direct deposit.Qualifying deposits only include deposits from the following eligible sources: (i) ACH transfers from external accounts, (ii) inbound wire transfers from external accounts, (iii) check deposits. Qualifying deposits do not include: (i) transfers internal to the bank (i.e., transfers between an account holder’s Checking and/or Savings account), (ii) interest payments, (iii) promotional bonuses, (iv) credits, reversals, and refunds.Both accounts must be in an open and active status on the date the interest is paid to receive the promotional APY for that statement cycle. Account transactions may take one or more business days from the transaction date to post to the account. on savings with direct deposit and up to 0.51% APY on checking balances when you meet requirements.

Pros

Long bonus qualification period
No monthly maintenance or overdraft fees
Domestic ATM fee reimbursements

Cons

No in-person branches
High referral deposit requirement

Visit Axos or learn more in our Axos Bank review.

TD Bank Share the Green: Earn up to $500

Best for: Qualifying without direct deposits

TD Bank's referral program

Bonus: You receive $50, and your referral receives $50. You can refer as many as 10 friends per year for $500 in total bonuses.
Required activity: You must request a personalized referral code and give it to your friend or family member. Your referral must present this code at a TD Bank location and open a personal checking account. Once a qualifying account has been opened in the branch, your referral needs to have at least $250 in qualifying direct deposits or make 15 qualifying Visa debit card purchases within 60 days of account opening.

Receiving $50 for you and another $50 for your referral is a decent referral bonus, especially since you can earn up to $500 by referring 10 friends (like Chase's offer). We also like that TD Bank is a brick-and-mortar bank with in-person branches and that there are no minimum opening deposit requirements for TD Bank checking and savings accounts.

If you know a friend or family member who wouldn't be able to meet direct deposit requirements, this bonus offer from TD could be worth the extra effort of visiting a branch. Referrals can qualify by spending with their debit card, which sets this offer apart from most others we've analyzed.

Still, visiting a branch is inconvenient compared to an online referral link, so we wouldn't recommend TD Bank unless you really love the bank's accounts or can't qualify for the other bonuses on this list.

Pros

In-person branches
No minimum opening deposit for checking and savings accounts
Opportunity for ATM fee reimbursements with certain accounts

Cons

Inconvenient referral program
Only available on the East Coast

Editor's note

It's worth noting that TD Bank mainly operates on the East Coast, so you're out of luck if you live elsewhere.

How to choose the best bank referral programs

1. Consider the referral program

The point of a referral program is to earn extra cash or rewards for referring friends or family to products that you know and recommend. When researching bank referral programs, consider these factors.

Bonus: It's common for referral programs to offer at least $50 per bank referral, but some financial institutions may provide more or run limited-time offers for higher amounts.
Requirements: Our favorite referral programs make it easy to refer people. That typically means generating a unique referral link that you can easily share with friends via text, email, or message.
Limits: Many referral programs place a limit on how many referrals you can make per year. However, it's possible to find programs that allow a high or an unlimited number of referrals.

2. Assess your needs and preferences

Referral programs might motivate you to choose one account over another, but we don't recommend letting this be the only factor you use to determine if an account is a good fit for you. Figure out what your financial goals are and how different banking products and services could help you reach those goals.

For example, it might make sense to find a high-yield savings account if you plan to start storing funds that you know you won't be touching for a while. If this is the case, you won't qualify for checking account referrals.

3. Review different banks

There are plenty of banks out there to choose from. As you research and compare them, ask yourself a few questions.

Are you interested in online banks or brick-and-mortar banks? Online banks typically have a robust online experience that eliminates much of the need to visit a branch. However, you may still prefer having an in-person banking experience.
Do you only want to open a checking or savings account, or do you have other products, such as credit cards and loans, in mind as well? Make sure that the bank you choose has the products you'd like to use.
Are you looking for specific perks and benefits? That could include ATM fee reimbursements, high APY rates, free wire transfers, and more.

4. Look into other financial institutions

During your research, keep in mind that financial institutions come in more forms than traditional banks. These include credit unions and financial technology companies.

Credit unions typically provide many of the same services as banks, but they might have special membership requirements. They're worth a look because the requirements aren't always strict, and many credit union products can be quite competitive.

Check out our list of the best credit unions.

On the other hand, financial technology companies typically offer an online-only banking experience via a partnership with a bank or a network of banks. Many fintech companies offer checking or savings accounts with $0 or low monthly maintenance fees.

5.0

2025 award winner Best Checking and Savings Combo

SoFi Checking & Savings - Earn Up to $300 When You Set Up Direct Deposit

Learn More

4.3

Enjoy $300 as a new Chase checking customer

When you open a new Chase Total Checking® account with qualifying activities.⁷ FDIC Insured. Offer valid through 1/21/2026.

Learn More

4.6

Use Cash App As Your All-in-One Financial Services Platform

Bank⁹ without all the fees—save, send, and spend your money the way you want.¹⁰ Get paid up to 2 days early – up to 2 days earlier than most banks¹¹

Download Cash App

FAQs

Does Bank of America allow referrals?

Bank of America doesn't have a referral program for its checking accounts or credit cards, as much as we would love to see this big bank offering refer-a-friend bonuses like other big banks. This set Bank of America apart from many institutions.

However, certain Bank of America credit cards frequently have welcome offers that new users can earn if they're approved and meet certain criteria such as a spending requirement.

Does Chase do a referral program?

Yes, Chase offers referral bonuses for some of its bank accounts and credit cards. For example, you can receive $50 (up to $500 per calendar year) for each friend who opens a qualifying Chase checking account. You can visit the Chase Refer-A-Friend page to see if you qualify for referral promotions with your Chase credit cards.

Does Wells Fargo have a referral program?

No, Wells Fargo doesn't have a referral program for its bank accounts or credit cards. However, Wells Fargo often provides welcome offers to qualifying customers upon opening certain products, including many Wells Fargo credit cards. Note that you typically have to meet a spending requirement to earn these offers.

Bottom line

Our favorite bank referral programs are easy to use and provide decent referral bonuses with low activity requirements.

We like SoFi® the most, but Chase, Axos, and TD Bank also provide bonuses worth shooting for. Keep bonus requirements and timelines in mind when trying to qualify for any type of referral bonus.

Not every bank has a referral program. It's worth checking out the best banks to see if they provide these bonuses and find one that makes the most sense for you, though you shouldn't open a checking account you won't use just to get a bonus.

Learn More

5.0

2025 award winner Best Checking and Savings Combo

High APY of up to 4.00% on Savings (3.30% APY¹ with +0.70% APY Boost) for 6 Months on new accounts with eligible direct deposit. Terms Apply.²

Paycheck access up to 2 days early with direct deposit⁴

No monthly maintenance or overdraft fees³

Streamlined savings and savings goals with Vaults

Access to a large ATM network¹²