Bank Bonus Statistics & Trends
Data updated January 2026 • 44 offers analyzed
We track every major bank bonus in the US. Here's what the data tells us about current offers, requirements, and trends. Use these insights to make smarter decisions about which bonuses to pursue.
44
Active Offers
$328
Average Bonus
$600
Highest Bonus
$300
Median Bonus
Bonus Amount Distribution
By Account Type
44
Checking Offers
Avg: $328
0
Savings Offers
Avg: $0
Direct Deposit Requirements
Monthly Fee Analysis
No Monthly Fee
Keep 100% of your bonus
31
Fee (Waivable)
Fee can be avoided
12
Fee (Not Waivable)
Monthly fee applies
1
Geographic Availability
8
Nationwide Offers
36
State-Specific
18% of offers are available in all 50 states. The rest are limited to specific regions—check state availability before applying.
Browse offers by state →Top Banks by Highest Bonus
| Rank | Bank | Max Bonus | Avg Bonus | # Offers |
|---|---|---|---|---|
| #1 | Associated Bank | $600 | $600 | 1 |
| #2 | Huntington | $600 | $600 | 1 |
| #3 | KeyBank | $500 | $500 | 1 |
| #4 | Bank of America | $500 | $500 | 1 |
| #5 | Wintrust | $500 | $500 | 1 |
| #6 | Byline Bank | $450 | $450 | 1 |
| #7 | Old National Bank | $450 | $450 | 1 |
| #8 | Unity Bank | $400 | $400 | 1 |
| #9 | Wells Fargo | $400 | $400 | 1 |
| #10 | Citizens Bank | $400 | $400 | 1 |
📊 Key Takeaways
Average vs. High-End
The average bonus is $328, but the top 10% of offers pay $540 or more. Premium bonuses typically require higher direct deposits.
Checking vs. Savings
Checking accounts dominate (100% of offers) and typically offer higher bonuses than savings accounts due to their direct deposit requirements.
Fee-Free Options
98% of offers have no monthly fee or a waivable fee. Focus on these to maximize your net bonus value.
Direct Deposit Reality
91% of bonuses require direct deposit, averaging $667/month. If you can't DD, focus on the 4 no-DD offers.