Best Bank Account BonusesJanuary 2025
Historical data for January 2025
This is our archived data for bank bonuses that were available in January 2025.
Disclosure: Some links are affiliate links. Rankings are based on bonus amount and ease, not compensation.
$500
Highest Bonus
$308
Average Bonus
30
Active Offers
2
No DD Required
Top 15 Bank Bonuses — January 2025
| # | Bank | Bonus | Net Value* | Ease | Direct Deposit | Monthly Fee | Action |
|---|---|---|---|---|---|---|---|
| 1 | Wintrust Total Access Checking | $500 | ~$375 | Easy | $500/mo | $0 | View Details → |
| 2 | Byline Bank Simple Checking | $450 | ~$338 | Easy | $1,000/mo | $5 (waivable) | View Details → |
| 3 | BMO Smart Money Checking / Smart Advantage Checking / Relationship Checking | $400 | ~$300 | Easy | Required | $5 (waivable) | View Details → |
| 4 | MIDFLORIDA Credit Union Free Checking | $400 | ~$300 | Easy | Required | $0 | View Details → |
| 5 | WECU Spend Plus Rewards Checking | $400 | ~$300 | Easy | $1,000/mo | $5 (waivable) | View Details → |
| 6 | Truist Truist One Checking | $400 | ~$300 | Easy | Required | $0 | View Details → |
| 7 | Chase Total Checking | $400 | ~$300 | Easy | Required | $15 (waivable) | View Details → |
| 8 | Unity Bank Everyday Checking | $400 | ~$300 | Easy | $1,500/mo | $3 (waivable) | View Details → |
| 9 | Chime Checking Account | $350 | ~$263 | Easy | $200/mo | $0 | View Details → |
| 10 | Wells Fargo Everyday Checking | $325 | ~$244 | Easy | Required | $15 (waivable) | View Details → |
| 11 | Citibank Regular Checking | $325 | ~$244 | Easy | Required | $15 (waivable) | View Details → |
| 12 | PSECU New Member Account | $300 | ~$225 | Easy | $500/mo | $0 | View Details → |
| 13 | Grow Financial Federal Credit Union CashBack Checking / Checkless Checking | $300 | ~$225 | Easy | $500/mo | $0 | View Details → |
| 14 | Addition Financial Checking Account Promotion | $300 | ~$225 | Easy | $1,000/mo | $0 | View Details → |
| 15 | Blue Foundry Bank Blue Axis Edge Checking | $300 | ~$225 | Easy | $500/mo | $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 — January 2025
These bonuses have the simplest requirements and highest ease scores.
💡 January 2025 Insights
Market Summary
In January 2025, there are 30 bank bonuses available with an average value of $308. The highest bonus is $500, and 2 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 — January 2025
What is the best bank bonus in January 2025?
The highest bank bonus in January 2025 is $500 from Wintrust. For easier bonuses, check First Commonwealth Bank.
How many bank bonuses are available in January 2025?
There are currently 30 bank bonuses available in January 2025, with an average value of $308 and a maximum of $500.
What is the easiest bank bonus in January 2025?
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.