PNC Bank : PNC Virtual Wallet With Performance Select (Checking/Savings) - $400

Bonus amount: $400

Promotion expiration date: Jan. 5, 2026

Qualifications: Direct deposit

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Important

This bonus offer is only available to residents of select regions within PNC’s service area, such as ZIP code 10001 (in New York City).

How to Get the Bonus

Use the promotional page linked above to open a new Virtual Wallet with Performance Select account by the expiration date: You can open an account online through the linked page or request a coupon to open an account in person. You can access this offer when opening a checking and savings account together, or just a checking account.

Receive qualifying direct deposits of at least $5,000 within 60 days: Monthly paycheck, pension, and Social Security payments qualify, for example. Wire transfers and P2P transfers, including Zelle, do not qualify.

Receive the $400 bonus:The bonus should be deposited into your account 60 to 90 days after meeting the conditions; it’ll appear as “Credits Check Reward” on your statement. Your account must remain open to receive the bonus.

This bank may also offer other promotions; learn more in our PNC Bank Review.

Not eligible if you or any signer on the account has earned any other PNC promotional offer in the past 24 months.

Not eligible if you or any signer on the account has an existing PNC consumer checking account or has closed an account within the past 12 months.

Monthly fee: $25; waived if you meet any of the following conditions: $5,000 combined average monthly balance in Spend and/or Reserve accounts; $25,000 combined average monthly balance across linked PNC consumer deposit/investment accounts; $5,000 in qualifying monthly direct deposits to your Spend account during the statement period; account holder is a PNC employee

Out-of-network ATM fee: No fee; up to $10 reimbursement of ATM surcharge fees from other financial institutions

Overdraft fee: $36 per item; limited to one per day

SoFi® : SoFi Checking and Savings - $50 or $300

Bonus amount: $50 or $300

Promotion expiration date: Jan. 31, 2026

Qualifications: Direct deposit

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Tip

For a limited time, customers can earn +0.70% Boost on Savings APY for 6 months on new accounts with eligible Direct Deposit. Terms apply.

How to Get the Bonus

Open a SoFi Checking and Savings account by clicking the link above: If you open an account another way, you may not be eligible for the bonus offer.

Receive direct deposits of $1,000 to $5,000 or more within a 25-day window, by Jan. 31, 2026: After opening your accounts, you’ll have a 25-day window to receive qualifying direct deposits. This window begins as soon as you receive your first direct deposit of $1 or more (it doesn’t begin automatically at account opening), so you have some time to set it up and plan it out. The promotional period ends on Jan. 31, 2026—so your final deposit must be in by that date.

Receive a $50 bonus for depositing $1,000 or a $300 bonus for depositing $5,000: The bonus will be deposited into your account within seven business days of completing the requirements.

Your account must be open and in good standing at the time of bonus payment.

You may only qualify for one bonus tier.

Monthly fee: $0

Out-of-network ATM fee: A fee will apply when using non-Allpoint ATMs.

Overdraft fee: $0

New and existing Checking and Savings members who have not previously enrolled in Direct Deposit with SoFi are eligible to earn a cash bonus of either $50 (with at least $1,000 total Eligible Direct Deposits received during the Direct Deposit Bonus Period) OR $300 (with at least $5,000 total Eligible Direct Deposits received during the Direct Deposit Bonus Period). Cash bonus will be based on the total amount of Eligible Direct Deposit. If you have satisfied the Eligible Direct Deposit requirements but have not received a cash bonus in your Checking account, please contact us at 855-456-7634 with the details of your Eligible Direct Deposit. Direct Deposit Promotion begins on 12/7/2023 and will be available through 1/31/2026. Full terms at sofi.com/banking. SoFi Checking and Savings is offered through SoFi Bank, N.A., Member FDIC. SoFi members with Eligible Direct Deposit can earn 3.30% annual percentage yield (APY) on savings balances (including Vaults) and 0.50% APY on checking balances. There is no minimum Eligible Direct Deposit amount required to qualify for the 3.30% APY for savings (including Vaults). Members without Eligible Direct Deposit will earn 1.00% APY on savings balances (including Vaults) and 0.50% APY on checking balances. Interest rates are variable and subject to change at any time. These rates are current as of 12/23/25. There is no minimum balance requirement. Fees may reduce earnings. Additional information can be found at

Annual percentage yield (APY) is variable and subject to change at any time. Rates are current as of 12/23/25. There is no minimum balance requirement. Fees may reduce earnings. Additional rates and information can be found at https://www.sofi.com/legal/banking-rate-sheet

We do not charge any account, service or maintenance fees for SoFi Checking and Savings. We do charge a transaction fee to process each outgoing wire transfer. SoFi does not charge a fee for incoming wire transfers, however the sending bank may charge a fee. Our fee policy is subject to change at any time. See the SoFi Bank Fee Sheet for details at sofi.com/legal/banking-fees/.

SoFi Bank is a member FDIC and does not provide more than $250,000 of FDIC insurance per depositor per legal category of account ownership, as described in the FDIC’s regulations. Any additional FDIC insurance is provided by the SoFi Insured Deposit Program. Deposits may be insured up to $3M through participation in the program. See full terms at SoFi.com/banking/fdic/sidpterms. See list of participating banks at SoFi.com/banking/fdic/participatingbanks.

We’ve partnered with Allpoint to provide you with ATM access at any of the 55,000+ ATMs within the Allpoint network. You will not be charged a fee when using an in-network ATM, however, third-party fees may be incurred when using out-of-network ATMs. SoFi’s ATM policies are subject to change at our discretion at any time.

Early access to direct deposit funds is based on the timing in which we receive notice of impending payment from the Federal Reserve, which is typically up to two days before the scheduled payment date, but may vary.

Overdraft Coverage is a feature automatically offered to SoFi Checking and Savings account holders who receive at least $1,000 or more in Eligible Direct Deposits within a rolling 31 calendar day period on a recurring basis. Eligible Direct Deposit is defined on the SoFi Bank Rate Sheet, available at https://www.sofi.com/legal/banking-rate-sheet. Members enrolled in Overdraft Coverage may be covered for up to $50 in negative balances on SoFi Bank debit card purchases only. Overdraft Coverage does not apply to P2P transfers, bill payments, checks, or other non-debit card transactions. Members with a prior history of unpaid negative balances are not eligible for Overdraft Coverage. Eligibility for Overdraft Coverage is determined by SoFi Bank in its sole discretion. Members can check their enrollment status, if eligible, at any time by logging into their account through the SoFi app or on the SoFi website.

Earn up to 4.00% Annual Percentage Yield (APY) on SoFi Savings with a 0.70% APY Boost (added to the 3.30% APY as of 12/23/25) for up to 6 months. Open a new SoFi Checking and Savings account and pay the $10 SoFi Plus subscription every 30 days OR receive eligible direct deposits OR qualifying deposits of $5,000 every 31 days by 1/31/26. Rates variable, subject to change. Terms apply at sofi.com/banking#2. SoFi Bank, N.A. Member FDIC.

PNC Bank : PNC Virtual Wallet (Checking/Savings) - $100

Bonus amount: $100

Promotion expiration date: Jan. 5, 2026

Qualifications: Direct deposit

Learn More (opens in a new tab)

Important

This bonus offer is only available to residents of select regions within PNC’s service area, such as ZIP code 10001 (in New York City).

How to Get the Bonus

Use the promotional page link above to open a new Virtual Wallet account by the expiration date: You must either open an account online through the linked page above or request a coupon code to access the bonus when opening an account at a bank.

Receive qualifying direct deposits of at least $500 within 60 days:Qualifying direct deposits include paychecks, pension payments, and Social Security payments, along with other regular sources of monthly income. Wire transfers and P2P transfers, including Zelle bank transfers, do not qualify.

Receive the $100 bonus:The bonus should be deposited into your account 60 to 90 days after meeting the requirements; it’ll appear as “Credits Check Reward” on your statement. Your account must remain open to receive the bonus.

This bank may also offer other promotions; learn more in our PNC Bank Review.

Not eligible if you or any signer on the account has earned any other PNC promotional offer in the past 24 months.

Not eligible if you or any signer on the account has an existing PNC consumer checking account or has closed an account within the past 12 months.

Monthly fee: $7; waived if you meet any of the following conditions: $500 combined average monthly balance in Spend and/or Reserve accounts; $500 in qualifying monthly direct deposits to your Spend account during the statement period; account holder is 62 or older; account holder is a PNC employee

Out-of-network ATM fee: $3 per transaction at non-PNC ATMs, not including third-party ATM fees; $5.00 for international ATM transactions

Overdraft fee: $36 per item; limited to one per day