Best Checking Account Bonuses in Florida
January 2026 • 20 offers available • Updated daily
Disclosure: Some links on this page are affiliate links. We may earn a commission if you open an account through these links. Rankings are based on bonus amount and ease score, not compensation.
Top Checking Bonuses in Florida
Capital One- 360 Checking
Requirements: $500/mo direct deposit
Expires: January 31, 2026
Florida Credit Union- Personal Full-Service Checking
Requirements: Direct deposit required
Expires: January 31, 2026
Chase- Total Checking
Requirements: Direct deposit required
Expires: January 21, 2026
Community First Credit Union- Bonus Debit Checking
Requirements: No direct deposit required • $0 min balance
Expires: March 31, 2026
KeyBank- Key Smart Checking & Key Select Checking
Requirements: Direct deposit required
Expires: February 6, 2026
Bank of America- Advantage Banking
Requirements: Direct deposit required
Expires: January 31, 2026
Wells Fargo- Everyday Checking
Requirements: Direct deposit required
Expires: January 13, 2026
BMO- Smart Advantage Checking / Smart Money Checking
Requirements: Direct deposit required
Expires: January 28, 2026
SoFi- SoFi Checking and Savings
Requirements: Direct deposit required
Expires: January 31, 2026
Grow Financial Federal Credit Union- CashBack Checking / Checkless Checking
Requirements: $500/mo direct deposit
Expires: March 31, 2026
Addition Financial- Checking Account Promotion
Requirements: $1,000/mo direct deposit
Expires: March 31, 2026
SouthState Bank- SouthState Checking
Requirements: Direct deposit required
Expires: March 31, 2026
Bask Bank- Interest Checking Account
Requirements: No direct deposit required • $1,500 min balance
Expires: April 30, 2026
Huntington- Perks Checking / Platinum Perks Checking
Requirements: Direct deposit required
Expires: January 15, 2026
Wintrust- Total Access Checking
Requirements: $500/mo direct deposit • $0 min balance
Expires: November 3, 2026
Truist- Truist One Checking
Requirements: Direct deposit required
Expires: March 25, 2026
Seacoast Bank- Checking Account
Requirements: $500/mo direct deposit
Expires: December 31, 2026
MIDFLORIDA Credit Union- Free Checking
Requirements: Direct deposit required
Expires: March 31, 2026
Citibank- Regular Checking
Requirements: Direct deposit required
Expires: January 12, 2026
Citizens Bank- Citizens Checking and Savings Bundle
Requirements: $500/mo direct deposit • $300 min balance
Expires: January 18, 2026
Frequently Asked Questions
What is the best bank bonus in Florida right now?
The top bank bonus in Florida is Capital One offering $300. Check our full list above for all current offers ranked by ease of earning.
Are bank bonuses taxable in Florida?
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 advice specific to your situation.
How do I qualify for these bank bonuses?
Each bank bonus has specific requirements. Common requirements include setting up direct deposit, maintaining a minimum balance, or making a certain number of debit transactions. Click "View Details" on any offer to see the complete requirements.
Bank Bonuses in Other States
Disclaimer: BankOffers.app is not a bank or financial institution. The information provided is for informational purposes only and should not be considered financial advice.
Some links on this page are affiliate links, and we may receive compensation if you open an account through these links. This does not affect our rankings, which are based on bonus amount and ease of qualification. Always verify offer details directly with the bank before applying.