Top bank account incentives available in July 2025

Top bank account incentives available in July 2025

July 2025: Competitive Bank Account Bonuses for Savings Accounts

In July 2025, several banks are offering attractive bonuses for opening new savings accounts. Here's a roundup of some of the most competitive offers:

1. BMO Savings Builder Account
2. Max Bonus: Up to $60
3. Key Conditions: Deposit at least $200 each month for a year to earn $5 per month. The initial deposit must be received in the month the account was opened to be eligible for all twelve $5 bonuses.
4. Offer Expiration: Not specified
5. Morgan Stanley Private Bank: Premium Savings Account
6. Max Bonus: Up to $750
7. Key Conditions: Enter the promotional code SAVE25 when opening a new Premium Savings Account, deposit a minimum of $25,000 for $250, $50,000 for $500, or $75,000 for $750. Maintain the balance for the bonus tier you're after for 45 days after you've had the account for 30 days.
8. Offer Expiration: Sept. 30, 2025
9. TD Bank: TD Signature Savings or TD Simple Savings Account
10. Max Bonus: $200
11. Key Conditions: Deposit at least $10,000 into your new Simple Savings or Signature Savings account within 20 days of opening the account. Maintain the balance of $10,000 or more for another 90 days.
12. Offer Expiration: Not specified
13. Truist Bank: Dynamic Business Checking or Simple Business Checking
14. Max Bonus: $400
15. Key Conditions: Use the SB25Q2CHECKING code when opening an account to earn this bonus. After opening one of the business checking accounts eligible for this offer, deposit at least $2,000 worth of eligible money within 30 days of opening the account.
16. Offer Expiration: Not specified
17. PNC Bank: Business Checking, Business Checking Plus, Analysis Business Checking, or Treasury Enterprise Plan
18. Max Bonus: Up to $1,000
19. Key Conditions: Earn $1,000 for opening Analysis Business Checking or Treasury Enterprise Plan by maintaining a minimum average ledger balance of $30,000 for the first three statement cycles.
20. Offer Expiration: Not specified
21. M&T Bank: MyChoice Premium Checking, MyChoice Plus checking, and EZChoice checking accounts
22. Max Bonus: $200, $150, and $100 respectively
23. Key Conditions: Open an account using the promotional code, receive at least $500 worth of eligible direct deposits within 90 days of opening the account.
24. Offer Expiration: Sept. 30, 2025
25. Alliant Credit Union: Ultimate Opportunity Savings Account
26. Max Bonus: $100
27. Key Conditions: Deposit $100 or more for 12 consecutive months to earn the bonus.
28. Offer Expiration: Not specified
29. KeyBank: KeySelect Checking account
30. Max Bonus: $100
31. Key Conditions: Open a KeySelect Checking account and have qualifying direct deposits totaling at least $60,000 during the 12-month period after your first month with the account.
32. Offer Expiration: Not specified

High-Value Bank Account Bonuses

Some banks are offering high-value bonuses, but they often require large deposits. For instance:

• Citi Savings Account: Up to $2,000 in bonuses, with large deposit requirements and estimated 8.6% APY.
• Capital One Savings Account: Up to $1,500 in bonuses, with higher tier requiring $100,000+ deposit.
• E*Trade Savings Account: $750 bonus requires a $75,000 deposit with a quick 45-day fund hold period.

Other Notable Offers

• Chase Total Checking & Savings: Up to $900 for combined checking and savings account, with a deadline of October 15, 2025.
• Ameriprise Bank Savings Account: Tiered bonuses ($200 or $800) depending on deposit amount, valid through August 29, 2025.
• SoFi Checking and Savings: $300 bonus, offer valid until January 31, 2026.
• TD Bank Simple Savings: $200 bonus for new savings account opening, offer valid until October 31, 2025.
• Alliant Credit Union High Rate Savings: $100 bonus for high rate savings account, federally insured, offer valid until December 31, 2025.

When considering these offers, it's essential to review the specific terms and conditions at each bank’s offer page to understand the requirements and deadlines. Some offers require new money (fresh deposits) and have other qualifying criteria, so it's important to read the details carefully.

In July 2025, not only savings accounts, but also some checking accounts are offering competitive bonuses as part of the banking-and-insurance industry's efforts to attract new business in the finance sector. For example, Truist Bank offers a $400 bonus for opening a Dynamic Business Checking or Simple Business Checking account. On the other hand, high-value bonuses like the one from Citi Savings Account require large deposits, such as $2,000 in bonuses with a large deposit requirement and an estimated 8.6% APY. Furthermore, various other banks, such as Chase, Ameriprise, SoFi, TD Bank, and Alliant Credit Union, also offer significant bonuses for their checking and savings accounts, often with various terms and conditions that should be carefully reviewed.

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