Best 5 Bank Account Promotions & Offers for January 2018

1. CIT Bank Premier High Yield SavingsAccount – 1.35% APY

While this offer doesn’t currently have cash bonus, its generous interest rate more than compensates. At 1.35%APY, this account offers an interest rate that is 22 times the national average. The interest rate is only available on accounts with balances up to $250,000. Over this limit, the rate drops to 1.30%APY.

CIT Bank is FDIC insured and offers daily compounding. There are no fees associated with opening or maintaining the Premier High Yield Savings Account. This offer is available to U.S. residents in any state.

2. TD Bank Premier Checking-$300 cash bonus

The $300 cash bonus is available to customers who receive more than $2,500 or more in direct deposits within 60 days of opening. Interest for money in the account is accrued on a tiered basis that varies by daily balance, with 0.05%APY on a balance of $250,000 as the highest available option. Perks with this account include a rate discount of 0.25% on TD Bank home equity lines of credit, access to free money orders, online banking, Bill Pay and e-bills, official bank checks, live 24/7 customer service, and more. Premier Checking customers also have the option to register for overdraft protection services.

Fees are always waived when customers use the bank’s ATMs and reimbursement is available when using an ATM from another provider if the account balance is over $2,500. Customers with a daily balance of $2,500 will have their $25 monthly fee waived.

3. TD Bank Convenience Checking-$150 Cash Bonus

This account is the perfect option for customers who want some of the perks of the Premier Checking account but anticipate having a lower account balance. The biggest downside to the account is that it does not accrue interest. However, it does offer on-the-go banking, a discount on the first order of checks, free mobile banking, online banking with free Bill Pay and e-bills. TD Bank also provides customers with free online statements, live customer support 24/7, rates of 0.25% on TD Bank home equity lines of credit, and no fees when using a TD Bank ATM. Account holders can avoid paying the $15 monthly maintenance fee by keeping a minimum daily balance of $100.

4. Chase Premier Plus Checking – $300 bonus

Earn the $300 bonus by opening a Premier Plus Checking Account and making a direct deposit into the account within 60 days. Customers will receive a coupon for opening the account and must bring it to a Chase branch before January 18, 2018. If the account is closed within six months of opening, either by the customer or by Chase, the bonus will be deducted from the account.

Customers can have their $25 monthly service fee waived by maintaining a daily minimum of $15,000 in the account or in any combination of linked qualified Chase accounts.

5. Chase Total Checking – $200 bonus

The $200 cash bonus is available to qualified new customers who add at least $25 to their account at opening and complete a direct deposit of a paycheck, pension, or government benefit within 60 days. The qualifications exclude customers with fiduciary accounts, those who have closed accounts within the past 90 days, and those who closed accounts with a negative balance. The offer expires on January 18, 2018.

Chase will waive the $12 Monthly Service Fee for customers with monthly direct deposits totaling $500, or keep a balance at the beginning of each day over $1,500, or maintain an average beginning day balance of $5,000 in any combination of qualifying Chase accounts.

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