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Earn up to $10,000 for opening a brokerage account? What about $5,000 for joining a new wealth management platform? Or $3,000 for starting a checking account? With dozens of banks, credit unions and other financial institutions promising hundreds, or thousands of dollars for signing up with their various savings and investment products, it begs the question: Why?
WalletHub writer and analyst Chip Lupo says all of the biggest sign-up bonuses this month have at least one commonality. “Banks use sign-up bonuses to grab attention,” says Lupo. “It’s often more appealing than advertising a slightly better interest rate.” (If it is a higher rate you’re after, these are some of the best-paying savings accounts from our partner Bankrate. )
Here’s what you need to know about the biggest bank and investment account sign-up bonuses, how to find the best offer for your financial needs and the 10 biggest bonuses of June 2025.
Why do some banks give huge bonuses?
How do these banks and credit unions get away with paying such high bonuses, while others don’t? Bankrate chief financial analyst Greg McBride says much of what’s behind these big offers has to do with various customer acquisition strategies. “Some banks may determine that paying the bonus is less costly to them than having to pay a higher rate on both new deposits and existing accounts,” says McBride, adding that “the most eye-popping bonuses also require the most amount of money, so only pursue a bonus that is consistent with the amount of money you have available to move.”
To be sure, the very biggest sign-up bonuses require transferring thousands — or millions — of dollars in some cases, along with clearing countless other hurdles to qualify. But if you’re willing to follow the steps, NerdWallet personal finance expert Kate Ashford says racking up a bonus may very well be a worthy venture. “If you’re thinking of opening a new account anyway, a sign-up bonus is the icing on the banking cake,” says Ashford. “If two accounts are otherwise identical, choose the one with the better sign-up offer. But other factors should be higher on your list.”
Top 10 sign-up bonuses for June 2025
We’ve pulled together the biggest sign-up bonuses of June 2025, as well as five of the most attainable cash offers. Regardless of which you choose, be sure to do your homework before opening and read the fine print for details and requirements.
E-Trade from Morgan Stanley: Up to $10,000
Eligible E-Trade brokerage accounts of at least $5 million can add a $10,000 sign-up bonus for the effort. While indeed not everyone will qualify for this offer, the bonus here is based on a deposit tier, with accounts starting at $1,000 to $4,999 earning the baseline bonus of $50. While amounts beyond that rake in a larger cash credit, these accounts must be opened by the July 31 deadline and fully funded within 60 days of opening. Also be sure to use promo code OFFER25 to activate.
Citi Personal Wealth Management account : Up to $5,000
Earning the top bonus here is likely designated for high-net-worth individuals, only. That’s because while it takes at least $50,000 to earn the lowest available bonus of $500 with a personal wealth management account at Citi, only those who bring $2 million or more can earn the top level bonus of $5,000. You’ll also have to do so with new-to-bank money with the help of an advisor by the June 30 deadline, as well as enroll or maintain enrollment in e-delivery of statements.
TradeStation : Up to $3,500
Transfer $5,000 and you can get a $150 bonus added to your account. Do so with at least $1 million within the 45-day funding window and the commission-free platform will add $3,500. That said, you will have to maintain that balance for at least 270 days. The offer is also only available for individuals and joint equity or futures accounts funded with new assets.
Chase Private Client Checking: Up to $3,000
Earn $1,000 for deposits from $150,000 and $249,999, $2,000 for amounts from $250,000 to $499,999, or $3,000 when you deposit $500,000 or more in a Chase Private Client Checking account by the July 16 deadline. You’ll just need to make your minimum transfer balance within 45 days of enrollment and by transferring the qualifying amount of deposits to a combination of eligible checking, savings and/or J.P. Morgan Wealth Management non-retirement accounts that are opened in a Chase branch and serviced by a J.P. Morgan Private Client Advisor. For whichever account you choose, you’ll just need to maintain that qualifying balance for 90 days.
Flushing Complete Checking: Up to $2,500
Maintain a three-month average account balance of at least $10,000 and Flushing Complete Checking customers are eligible for a bonus. For balances above $250,000, the bonus here caps out at $2,500. This offer, however, is only available to new customers and just one account per customer.
Capital One 360 Performance Savings Account : Up to $1,500
This cash bonus is indeed lower than the leading offers on this list; however, earning the $1,500 here comes with a slightly more reasonable deposit threshold of $100,000. If you deposit at least that amount in your savings account within 15 days of opening, as well as hold the deposit for 90 days after that period, then the cash offer is yours. Just be sure to use promo code “BONUS1500” at signing to access your cash offer.
Citi Checking Account : Up to $1,500
Checking accounts opened prior to July 7 can earn a cash bonus of up to $1,500 for making a minimum $200,000 deposit within the first 20 days. If you’re able to maintain that balance for 45 days from the day of account opening, this cash bonus will be deposited into your account within 30 calendar days.
M&T Bank Tailored Checking : Up to $1,500
New business customers who open an M&T Tailored Checking and maintain an average ledger balance of $100,000 or more can earn up to $1,500. This balance must be maintained for three full calendar months from the time of opening. This offer expires on June 30.
Huntington Business Checking Account : Up to $1,000
Make a minimum cumulative deposit of at least $20,000 within 30 days of opening a new Huntington Unlimited Plus Business Checking account by June 9 and you may be eligible for a $1,000 sign-up bonus. You’ll need to maintain that minimum account balance threshold for 60 days after meeting the minimum deposit requirement with new-to-bank money and keep your account open for 90 days before you are eligible.
Schwab : Up to $1,000
Become a new Schwab client with a referral code from a friend and you may very well be eligible for this $1,000 bonus. To qualify, you will need to deposit a combined $500,000 or more into your account within 45 days of account opening. Schwab wil then deposit your bonuses within one to two weeks after qualifying.
5 most attainable sign-up bonuses of May 2025
We’ve also pulled together a ranking of more realistic sign-up bonus offers. These include cash bonuses for new accounts with minimum balance requirements at or below $5,000 and avoid membership restrictions.
Huntington Perks Checking: Up to $400
Open a Perks Checking account by the July 7 deadline with cumulative deposits of at least $1,000 within 90 days of account opening, and you stand to earn an attractive $400 bonus. This offer, however, is only available for residents in Colorado, Illinois, Indiana, Kentucky, Michigan, Minnesota, Ohio, Pennsylvania, South Dakota, West Virginia and Wisconsin. If you have more to deposit, you can earn up to $600 when you deposit a minimum of $25,000. This is valid within 90 days of opening the account and if you keep the account open for 90 days.
Associated Bank Checking : Up to $400
Open a checking account with a minimum opening deposit of $25 for Associated Access Checking, or $100 for an Associated Balanced or Choice Checking, then receive recurring direct deposits of at least $500 totaling an average daily balance of at least $5,000 and this $400 bonus can be yours within 120 days of account opening. Daily balance averages are calculated 90 days after account opening and factor in the average balance from days 31 to 90. If you qualify, your bonus will be added within 120 days of account opening.
Truist One Checking : Up to $400
You have until Oct. 29 to qualify for this competitive $400 sign-up bonus at Truist. To qualify, you’ll need to open an online account with promo code “TRUIST25DC400” and make at least one qualifying deposit totaling $500, as well as 15 qualifying debit card purchases within 90 days of account opening.
PNC Virtual Wallet with Performance Select : Up to $400
Establish total qualifying direct deposits of $5,000 or more with a PNC Spend account before the June 30 deadline here and you may stand to earn $400. Apply online for checking and savings accounts and PNC doesn’t charge for using other banks’ ATMs, nor do they charge for domestic wires.
Citi Checking : Up to $325
Open a new Citi Checking account with at least two Enhanced Direct Deposits amounting to $3,000 by July 7 and this $325 bonus could be yours. If you complete those simple steps, this bonus will be deposited in the form of a credit to your account.
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