Best Bank Account BonusesFebruary 2026
Projected offers based on current data
Planning ahead? Here are the bank bonuses we expect to be available in February 2026, based on current and historical offers.
Disclosure: Some links are affiliate links. Rankings are based on bonus amount and ease, not compensation.
$600
Highest Bonus
$313
Average Bonus
28
Active Offers
3
No DD Required
Top 15 Bank Bonuses — February 2026
| # | Bank | Bonus | Net Value* | Ease | Direct Deposit | Monthly Fee | Action |
|---|---|---|---|---|---|---|---|
| 1 | Associated Bank Checking Account Bonus Offer | $600 | ~$450 | Easy | $500/mo | $0 | View Details → |
| 2 | KeyBank Key Smart Checking & Key Select Checking | $500 | ~$375 | Easy | Required | $0 | View Details → |
| 3 | Wintrust Total Access Checking | $500 | ~$375 | Easy | $500/mo | $0 | View Details → |
| 4 | Byline Bank Simple Checking | $450 | ~$338 | Easy | $1,000/mo | $5 (waivable) | View Details → |
| 5 | Unity Bank Everyday Checking | $400 | ~$300 | Easy | $1,500/mo | $3 (waivable) | View Details → |
| 6 | MIDFLORIDA Credit Union Free Checking | $400 | ~$300 | Easy | Required | $0 | View Details → |
| 7 | WECU Spend Plus Rewards Checking | $400 | ~$300 | Easy | $1,000/mo | $5 (waivable) | View Details → |
| 8 | Truist Truist One Checking | $400 | ~$300 | Easy | Required | $0 | View Details → |
| 9 | Bask Bank Interest Checking Account | $300 | ~$225 | Easy | Not required | $0 | View Details → |
| 10 | PSECU New Member Account | $300 | ~$225 | Easy | $500/mo | $0 | View Details → |
| 11 | Grow Financial Federal Credit Union CashBack Checking / Checkless Checking | $300 | ~$225 | Easy | $500/mo | $0 | View Details → |
| 12 | Addition Financial Checking Account Promotion | $300 | ~$225 | Easy | $1,000/mo | $0 | View Details → |
| 13 | Blue Foundry Bank Blue Axis Edge Checking | $300 | ~$225 | Easy | $500/mo | $0 | View Details → |
| 14 | Seacoast Bank Checking Account | $300 | ~$225 | Easy | $500/mo | $0 | View Details → |
| 15 | Citadel Ultimate Growth Checking | $300 | ~$225 | Moderate | Required | $0 | View Details → |
*Net Value is estimated after 25% taxes and 6 months of potential fees. Use our calculator for personalized estimates.
Easiest Bonuses to Earn — February 2026
These bonuses have the simplest requirements and highest ease scores.
💡 February 2026 Insights
Market Summary
In February 2026, there are 28 bank bonuses available with an average value of $313. The highest bonus is $600, and 3 offers don't require direct deposit.
Best Strategy
Focus on bonuses that match your banking behavior. If you have regular income, target higher-value bonuses requiring direct deposit. Otherwise, start with no-DD offers to build experience.
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Frequently Asked Questions — February 2026
What is the best bank bonus in February 2026?
The highest bank bonus in February 2026 is $600 from Associated Bank. For easier bonuses, check First Commonwealth Bank.
How many bank bonuses are available in February 2026?
There are currently 28 bank bonuses available in February 2026, with an average value of $313 and a maximum of $600.
What is the easiest bank bonus in February 2026?
First Commonwealth Bank offers one of the easiest bonuses at $200 with no direct deposit required.
Are bank bonuses taxable?
Yes, bank bonuses are generally considered taxable income by the IRS. Banks typically issue a 1099-INT or 1099-MISC for bonuses over $600. We recommend consulting a tax professional for your specific situation.