Best Bank Account BonusesJanuary 2026
Updated daily • 44 active offers
Here are the best bank account bonuses you can earn this month. We track every major bank bonus in the US and rank them by payout and ease of qualification.
Disclosure: Some links are affiliate links. Rankings are based on bonus amount and ease, not compensation.
$600
Highest Bonus
$328
Average Bonus
44
Active Offers
4
No DD Required
Top 15 Bank Bonuses — January 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 | Huntington Perks Checking / Platinum Perks Checking | $600 | ~$450 | Easy | Required | $10 (waivable) | View Details → |
| 3 | KeyBank Key Smart Checking & Key Select Checking | $500 | ~$375 | Easy | Required | $0 | View Details → |
| 4 | Wintrust Total Access Checking | $500 | ~$375 | Easy | $500/mo | $0 | View Details → |
| 5 | Bank of America Advantage Banking | $500 | ~$375 | Easy | Required | $4.95 (waivable) | View Details → |
| 6 | Byline Bank Simple Checking | $450 | ~$338 | Easy | $1,000/mo | $5 (waivable) | View Details → |
| 7 | Old National Bank Everyday Checking / Preferred Checking | $450 | ~$338 | Easy | $1,000/mo | $6.95 (waivable) | View Details → |
| 8 | MIDFLORIDA Credit Union Free Checking | $400 | ~$300 | Easy | Required | $0 | View Details → |
| 9 | Unity Bank Everyday Checking | $400 | ~$300 | Easy | $1,500/mo | $3 (waivable) | View Details → |
| 10 | Truist Truist One Checking | $400 | ~$300 | Easy | Required | $0 | View Details → |
| 11 | Citizens Bank Citizens Checking and Savings Bundle | $400 | ~$300 | Moderate | $500/mo | $9.99 (waivable) | View Details → |
| 12 | BMO Smart Advantage Checking / Smart Money Checking | $400 | ~$300 | Easy | Required | $0 | View Details → |
| 13 | Wells Fargo Everyday Checking | $400 | ~$300 | Easy | Required | $15 (waivable) | View Details → |
| 14 | WECU Spend Plus Rewards Checking | $400 | ~$300 | Easy | $1,000/mo | $5 (waivable) | View Details → |
| 15 | Citibank Regular Checking | $325 | ~$244 | Easy | Required | $15 (waivable) | 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 2026
These bonuses have the simplest requirements and highest ease scores.
💡 January 2026 Insights
Market Summary
In January 2026, there are 44 bank bonuses available with an average value of $328. The highest bonus is $600, and 4 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 2026
What is the best bank bonus in January 2026?
The highest bank bonus in January 2026 is $600 from Associated Bank. For easier bonuses, check First Commonwealth Bank.
How many bank bonuses are available in January 2026?
There are currently 44 bank bonuses available in January 2026, with an average value of $328 and a maximum of $600.
What is the easiest bank bonus in January 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.