The 18 Best Bank Promotions of June 2026

When you set up direct deposit with SoFi Checking and Savings (Member FDIC), they’ll put up to $400 straight into your account. No… really. Just a nice little bonus for making a smart switch.

Why switch? With SoFi, you can earn up to 3.10% APY on savings and 0.50% on checking, plus a 0.70% APY boost on savings for your first 6 months when you set up direct deposit or keep $5K in your account. That’s up to 3.80% APY total. Way better than letting your balance chill at 0.40% APY.

There are no fees. No gotchas. Make the move to SoFi and get paid to upgrade your finances.

Chime® is giving new members up to $350 when they open a Chime Checking Account and receive qualifying direct deposits.

Meanwhile, Chime doesn’t charge overdraft fees or for overdraft protection, a monthly maintenance fee, foreign transaction fees or minimum balance fees. You can also open an easy-to-access connected savings account — it allows you to automate your savings with features like the round-up tool, which will round up your transactions to the nearest dollar and dump the change into savings. Bonus: Chime has a “Pay Anyone*” feature, so you don’t have to mess with cash, math or other apps to split the bill.

For a full run down of fees and services, check out our complete Chime review.

*Funds are automatically debited from your Checking Account and typically deposited into the recipient’s Checking Account within seconds. Pay Anyone transactions will be monitored and may be held, delayed or blocked if the transfer could result in fraud or another form of financial harm. Sometimes instant transfers can be delayed.

With Wealthfront, there are no bank fees and you get a 3.30% APY through partner banks on your cash — nearly 9x the national average savings rate.1 Plus. get an extra 0.75% APY for the first three months (on up to $150,000). You can unlock another 0.25% boost if you set up direct deposit and invest with Wealthfront.

Get unlimited transfers, same-day withdrawals, zero account fees, and no minimum balance requirements to earn 3.30% APY. You can use Wealthfront with payment apps like Apple Pay, Venmo, and Google Pay.

They’ll also give you access to a customizable investment portal so you can start building wealth while focusing on your short- and long-term goals.

Wealthfront isn’t quite a bank, but it works with several FDIC-insured partner banks to give you the convenience and flexibility you expect, minus the sneaky fees and account requirements. You can get started with Wealthfront with a $1 opening deposit.

1. Based on the national average interest rate for savings accounts as posted on FDIC.gov, as of (May  25, 2026). FDIC coverage will remain at up to $8 million for individual Cash Accounts ($16M for joint accounts) through partner banks.

2. Checking features for the Cash Account are subject to identity verification by Green Dot Bank, Member FDIC. Cash account is offered by Wealthfront Brokerage LLC (“Wealthfront Brokerage”;), a Member of FINRA/SIPC. Wealthfront Brokerage is not a bank. We convey funds to partner banks who accept and maintain deposits, provide the interest rate, and provide FDIC insurance. The APY rate listed is as of 5/25/2026c and is subject to change at any time. Fees and Eligibility requirements may apply to certain checking features, please see the Deposit Account Agreement for details. Limits, fees, and exclusions apply. All investing involves risk, including the possible loss of money you invest.

Apple, the Apple logo, and iPhone are trademarks of Apple Inc., registered in the U.S. and other countries. App Store is a service mark of Apple Inc. Google, Android and Google Play are trademarks of Google Inc., registered in the U.S. and other countries.

Please note, Real-Time Payments (RTP) transfers may be limited by destination institutions,daily transaction caps, and by participating entities such as Wells Fargo and the RTP® Network. New Cash Account deposits are subject to a 2-4 day holding period before becoming available for transfer. Wealthfront doesn’t charge for transfers, but receiving institutions may impose an RTP fee.

The Penny Hoarder receives compensation when a reader clicks on the referral link that redirects them to Wealthfront, which creates a conflict of interest. Penny Hoarder’s opinions in this article are their own and are not tied directly to such compensation. The Penny Hoarder and Wealthfront Brokerage, LLC are not associated with one another and have no formal relationship outside of this arrangement.

Good luck finding a bank that’ll pay you up to 3.90% APY like an Alliant Credit Union 6-month certificate can.

It only takes a few minutes to apply to open an Alliant certificate completely online. Choose from a variety of terms from 3 to 60 months, deposit a minimum of $1,000 ($75K for jumbo), then sit back and watch your money compound monthly with an APY as high as 3.90% for a 6-month term.

Worried about needing access to your savings before your certificate matures? Alliant also offers a fee-free high-yield savings account that’ll earn you 3.01% APY — you can easily transfer your money at any time with no penalties. Open your account and deposit as little as $100 to start earning interest. Elect to receive eStatements, and you won’t pay any monthly fees, either.

Rest easy knowing that with Alliant, both our certificate and high-yield savings account are federally insured by NCUA up to $250,000. This means your money is not just safe, it’s super safe.

Ready to grow your savings faster than the average bank? Head over to Alliant’s website and choose either a certificate of deposit or a high-yield savings account to get started.

APY= Annual Percentage Yield. The APY is accurate as of the 1/22/2026 dividend declaration date. A $1000.00 minimum deposit is required to open a Regular Alliant Certificate. A $75,000 minimum deposit is required to open an Alliant Jumbo Certificate. If you open an Alliant Jumbo Certificate with a minimum deposit of $75,000, but later withdraw funds from the account and bring the balance below $75,000, the Alliant Jumbo Certificate will convert to a Regular Alliant Certificate, which may pay a lower rate. You must be an Alliant member. Alliant Certificates are available as Regular Share Certificates and, Jumbo Share Certificates. Both Regular and Jumbo Certificate types are also offered as Traditional IRA Certificates, Roth IRA Certificates, and SEP IRA Certificates. In addition, prior to opening an IRA Certificate (Traditional, Roth and SEP), you must have or establish an IRA with Alliant. You may not add any additional money to your Certificate after opening. Dividends compound monthly and are paid on the last day of the month and at maturity. A penalty will be imposed for early withdrawal of any principal amount. There are no penalties for monthly dividend withdrawals. Early withdrawal penalties do apply if the Certificate is closed before the maturity date unless the Certificate funds are moved to Alliant Retirement and Investment Services. If you wish to move your Certificate funds to Alliant Retirement and Investment Services, you must wait until 7 days after your Certificate has been opened. Other exceptions to early withdrawal penalties may be allowed. Monthly dividend withdrawals are not eligible on IRA Certificates if owner is under age 59 1/2. Any monthly withdrawals or transfers reduce earnings. If you change the term of your renewed Certificate, the beneficiary(ies) need(s) to be reestablished by completing a Beneficiary Add/Delete Form. (Not applicable to IRA Certificates). The joint owner designated at the time of Certificate opening will remain as joint owner if you renew your Certificate with Alliant. Neither the primary account owner or joint owner may be a beneficiary on the Certificate account. You are not locked into a rate until you open or renew your Alliant Certificate. Alliant Certificate rates may change daily. Fees may reduce earnings on the account.

Regular Share Certificates with a term between 6 and 11 months provide a Dividend Rate of 3.83% – Compounded Annual Percentage Yield of 3.90% APY on balances between $1,000 and $74,999.99. Jumbo Share Certificates with a term between 6 and 11 months provide a Dividend Rate of 3.83% – Compounded Annual Percentage Yield of 3.90% APY on balances $75,000 or greater. IRA Certificates with a term between 6 and 11 months provide a Dividend Rate of 3.83% – Compounded Annual Percentage Yield of 3.90% APY on balances between $1,000 and $74,999.99. Jumbo IRA Certificates with a term between 6 and 11 months provide a Dividend Rate of 3.83% – Compounded Annual Percentage Yield of 3.90% APY on balances $75,000 or greater.

Regular Share Certificates with a term between 12 and 17 months provide a Dividend Rate of 3.69% – Compounded Annual Percentage Yield of 3.75% APY on balances between $1,000 and $74,999.99. Jumbo Share Certificates with a term between 12 and 17 months provide a Dividend Rate of 3.74% – Compounded Annual Percentage Yield of 3.80% APY on balances $75,000 or greater. IRA Certificates with a term between 12 and 17 months provide a Dividend Rate of 3.69% – Compounded Annual Percentage Yield of 3.75% APY on balances between $1,000 and $74,999.99. Jumbo IRA Certificates with a term between 12 and 17 months provide a Dividend Rate of 3.74% – Compounded Annual Percentage Yield of 3.80% APY on balances $75,000 or greater.

The savings dividend provides an Annual Percentage Yield (APY) of 3.01%. The APY is accurate as of the 01/22/2026 dividend declaration date. Dividends are paid on the last day of the month to accountholders who have maintained an average daily balance of $100 or more. Savings dividend may change after account is opened and is subject to change at any time. Dividend applies to Savings, Supplemental Savings, Emergency Savings, Kids Savings Accounts, UTMA Custodial Accounts, Trust Accounts and IRA. Fees may reduce earnings on the account.

Waiting around for payday can be frustrating,especially when you’ve got bills to cover, groceries to grab, or savings goals you’re trying to hit. 

That’s why we like Axos ONE® accounts. With early direct deposit, you can get paid up to two days sooner. That means faster access to your money and more flexibility to use it (or grow it) right away.

And with 4.21% APY on savings and 0.51% on checking, your money doesn’t just sit there, it earns. There are no monthly fees, no minimums, and no overdraft charges, so every dollar you make is working for you from day one.

If you’re looking for a smarter way to manage your money and get a little extra breathing room between paychecks, this is a solid place to start.

Open an Axos ONE® account and skip the payday wait. 

For a full run down of fees and services, check out our complete Axos Bank review.

New Chase customers enjoy a $400 welcome bonus when opening a Chase Total Checking account with direct deposit. And you get automatic transfers to a Chase savings account, along with access to thousands of branches and ATMs.

On the Chase Mobile® app, you can manage accounts, pay bills, send money to friends with Zelle® and deposit checks from almost anywhere. Plus, help keep your money protected with features like Zero Liability Protection, fraud monitoring and card lock.

Another plus is this account offers Chase Overdraft Assist to protect you from overdrafts. if you’re overdrawn by $50 or less at the end of the business day or if you’re overdrawn by more than $50 and bring your account balance to overdrawn by $50 or less at the end of the next business day.

Chase Total Checking includes FDIC insurance up to the maximum amount allowed by law.

*$3 fee per withdrawal at a non-Chase ATM in the U.S., Puerto Rico and the U.S. Virgin Islands. Surcharge Fees from the ATM owner/network still apply. $5 fee per withdrawal at a non-Chase ATM outside of the U.S., Puerto Rico and the U.S. Virgin Islands. Surcharge Fees from the ATM owner/network still apply.

Huntington’s Perks Checking account pays out nominal interest (0.02%), but the easily waivable monthly maintenance fee makes it appealing for an easy checking account. Key features include mobile banking, five fee-free out-of-network ATM withdrawals, the No Overdraft Fee $50 Safety Zone and the 24-Hour Grace Overdraft and Return Fee Relief.

“New account” is defined as money not currently in another Huntington account; money transferred from one account to another does not qualify. The bonus offer cannot be combined with any other checking offer.

While the Huntington Platinum Perks account does have a monthly $25 fee, you can waive it by having $25,000 across accounts with Huntington. By upgrading to this account, you’ll get a higher bonus, get unlimited fee-free ATM withdrawals and earn 0.03% interest on your balance.

“New account” is defined as money not currently in another Huntington account; money transferred from one account to another does not qualify. The bonus offer cannot be combined with any other checking offer.

M&T Bank has more than 900 branches and 2,000 ATMs with operations in New York, New Hampshire, Florida, Maine, Pennsylvania, Maryland, New Jersey, Delaware, Connecticut, Virginia, West Virginia, Vermont, Massachusetts and Washington, DC, but you can also do your banking entirely online.

M&T Bank has more than 900 branches and 2,000 ATMs with operations in New York, New Hampshire, Florida, Maine, Pennsylvania, Maryland, New Jersey, Delaware, Connecticut, Virginia, West Virginia, Vermont, Massachusetts and Washington, DC, but you can also do your banking entirely online.

M&T Bank has more than 900 branches and 2,000 ATMs with operations in New York, New Hampshire, Florida, Maine, Pennsylvania, Maryland, New Jersey, Delaware, Connecticut, Virginia, West Virginia, Vermont, Massachusetts and Washington, DC, but you can also do your banking entirely online.

In a world where consumers can get high-interest checking accounts with huge networks of ATMs and unique features, Wells Fargo is not very appealing. But if you like a traditional banking experience and an easy-to-navigate mobile app, Wells Fargo could be for you. Plus, the $325 bonus is nothing to sneeze at.

You can get started with a CIT Bank Platinum Savings account for as little as $100. To reach the full potential on earning interest, you’ll need to deposit at least $5,000 (0.25% APY on balances lower than that). Enjoy watching your money grow with no monthly service fees and manage it through a convenient mobile app.

When signing up, use code CITBOOST to unlock a six-month APY boost of 0.35%, for a total of 4.10% APY on balances of $5,000 or more. You’ll also get 0.60% APY on balances below $5,000 for the first six months.

For complete list of account details and fees, see CIT Bank’s Personal Account disclosures.

1 Platinum Savings is a tiered interest rate account. Interest is paid on the entire account balance based on the interest rate and APY in effect that day for the balance tier associated with the end-of-day account balance. *APYs — Annual Percentage Yields are accurate as of January 9, 2026: 0.25% APY on balances of $0.01 to $4,999.99; 3.75% APY on balances of $5,000.00 or more. Interest Rates for the Platinum Savings account are variable and may change at any time without notice. The minimum to open a Platinum Savings account is $100.

2 Based on comparison to the national average Annual Percentage Yield (APY) on savings accounts as published in the FDIC National Rates and Rate Caps, accurate as of February 17, 2026.

All you have to do is fill out some information about yourself, put in the $100 minimum opening deposit and you’re on your way. The best part is, there’s no minimum balance to reach the 3.65% APY, so you’ll start earning interest without having to have a certain amount of money in your account.

For complete list of account details and fees, see CIT Bank’s Personal Account disclosures.

1 APY — Annual Percentage Yield is accurate as of January 9, 2026. Interest Rates for the Savings Connect Account are variable and may change at any time without notice. The minimum to open a Savings Connect account is $100. Fees could reduce earnings on the account.

2Based on comparison to the national average Annual Percentage Yield (APY) on savings accounts as published in the FDIC National Rates and Rate Caps, accurate as of February 17, 2026.

The Key Smart Checking account is a great account because of its lack of fees. While the account does not earn interest, KeyBank’s partnership with Allpoint gets you access to more than 40,000 ATMs nationwide.

The Key Select Checking account is a great account because fees can easily be waived. The account earns interest and KeyBank’s partnership with Allpoint gets you access to more than 40,000 ATMs nationwide.

Fifth Third’s checking account boasts immediate funds for all check deposits (fees apply), Extra Time for overdraft fee avoidance, early paycheck access, no minimum balance and no hidden fees. The account also offers basic fraud protection services and unlimited check writing.