Best Checking Account Bonuses in Florida
Find and compare the best checking account signup bonuses available in Florida
Total Bonuses
Available in Florida
Total Value
Combined bonus value
Highest Bonus
Flagstar Bank
Showing 23 results
| Requirements | Actions | ||||
|---|---|---|---|---|---|
Flagstar Bank Elite Checking | $500 | Open with $50+, maintain $500+ average daily balance for 90 days, setup $500+ direct deposits within 90 days | 07/31/2025 | Medium | |
Truist Bank One Checking | $400 | 2 direct deposits totaling $1,000+ within 120 days | 10/29/2025 | Medium | |
PNC Virtual Wallet with Performance Select | $400 | 1 or more qualifying direct deposits totaling $5,000+ within 60 days | 11/17/2025 | Medium | |
Seacoast Bank Premium Checking | $400 | Direct deposit of $1,000 or more within 90 days of account opening | 12/31/2025 | Medium | |
Santander Bank Simply Right Checking | $400 | Have direct deposits totaling $5,000 or more within the first 90 days | 12/31/2025 | Hard | |
BMO Harris Smart Advantage Checking | $400 | Set up and receive 1 or more qualifying direct deposits totaling $4,000 within 90 days | 09/08/2025 | Hard | |
Citizens $400 Personal Checking | $400 | Get $400 when you open your first new personal checking account and make a single direct deposit of $1,000 or more within 60 days. | 08/03/2025 | Medium | |
Wells Fargo Everyday Checking | $400 | Set up and receive 1 or more qualifying electronic deposits totaling $3,000 within 90 days | 08/19/2025 | Hard | |
SoFi Checking and Savings | $325 | Open account + $400+ direct deposit as very first deposit | 12/31/2025 | Easy | |
Citibank Checking with Enhanced Direct Deposit | $325 | 2 or more Enhanced Direct Deposits totaling $3,000+ within 90 days | 10/06/2025 | Hard | |
Capital One 360 Checking | $300 | Set up and receive at least 2 direct deposits, each of $500 or more, within 75 days | 12/31/2025 | Medium | |
The Police Credit Union TPCU Checking | $300 | Open checking within 90 days of joining, make ongoing monthly direct deposits totaling $1,000 or more within 90 days of account opening | 12/31/2025 | Medium | |
Bank of America Advantage SafeBalance Banking | $300 | Open new account, receive $2,000 in qualifying direct deposits within 90 days | 07/31/2025 | Hard | |
Wintrust Bank Total Access Checking | $300 | Direct deposits totaling $500+ per month for 2 consecutive months, enroll in online banking & e-statements | 07/31/2025 | Medium | |
OnePay OnePay Cash | $300 | Direct deposit $5,000+ per month for 2 consecutive months | 10/31/2025 | Medium | |
First Tech Federal Credit Union First Tech Rewards Checking or Savings | $300 | Deposit $20,000+ new money within 30 days and maintain average daily balance for 90 days | 12/31/2025 | Medium | |
Achieva Credit Union Achieva Checking | $250 | 2 or more direct deposits totaling $500+ per month within 90 days of account opening | 12/31/2025 | Medium | |
South State Bank SouthState Checking | $200 | 15+ debit purchases AND $250+ direct deposit OR $25+ auto draft within 60 days | 12/31/2025 | Easy | |
Community First Credit Union Checking Account | $200 | Code FREECHECK. Deposits totaling $1,000+ within 90 days + 10+ debit transactions within 90 days | 12/31/2025 | Medium | |
TD Bank TD Complete Checking | $200 | $500 in qualifying direct deposits within 60 days | 10/31/2025 | Easy | |
PNC Virtual Wallet with Performance Spend | $200 | 1 or more qualifying direct deposits totaling $2,000+ within 60 days | 11/17/2025 | Medium | |
Power Financial Credit Union Personal Checking | $199 | Code JT. Initial deposit $500 (maintain 90 days) OR direct deposit | 12/31/2025 | Easy | |
First Tech Federal Credit Union First Tech Rewards Checking or Savings | $150 | Deposit $10,000-$20,000 new money within 30 days and maintain average daily balance for 90 days | 12/31/2025 | Medium |
How Checking Account Bonuses Work
Open New Account
Sign up for a new checking account and make the required minimum opening deposit, typically $25-$100.
Meet Direct Deposit
Set up direct deposits to meet the required amount, typically $500-$2000 per month for 60-90 days.
Receive Bonus
Once requirements are met, your cash bonus is deposited directly into your account, typically within 30-90 days.
Why We Focus on Checking Account Bonuses
Checking account bonuses offer straightforward cash rewards with clear requirements. Unlike complex investment or credit card bonuses, these provide guaranteed cash payments for simple banking activities you likely already do.
Key Benefits of Checking Account Bonuses
Guaranteed Cash Rewards
Checking bonuses provide direct cash deposits to your account with no redemption complexity or value fluctuation, unlike points or miles programs.
Simple Requirements
Most checking bonuses require only direct deposit setup and maintaining minimum balances - activities that align with normal banking habits.
Fast Bonus Payouts
Most checking bonuses are awarded within 60-90 days of meeting requirements, providing relatively quick access to bonus funds.
Minimal Credit Impact
Opening checking accounts typically involves soft credit pulls only, allowing you to pursue multiple bonuses without affecting credit scores.
Frequently Asked Questions
Banking Regulations and Requirements
Checking accounts are regulated by federal banking laws and FDIC insurance requirements. All featured banks are FDIC-insured, protecting deposits up to $250,000 per depositor per bank. Bonus eligibility typically requires being a new customer who hasn't had an account with that bank in the past 12-24 months.
FDIC Protection
All checking accounts from major banks featured on our site carry full FDIC insurance, ensuring your deposits are protected even if the bank fails. This makes checking account bonuses one of the safest ways to earn guaranteed returns.
Eligibility Requirements
Most checking bonuses are limited to new customers only. You typically can't have had any account with that bank within 12-24 months. Some banks also require you to be a US resident with a valid Social Security number.
Important Banking Notice
You must be 18+ years old and able to provide valid identification to open checking accounts. Some bonuses may have geographic restrictions or require residence in specific states where the bank operates.
Tips for Maximizing Checking Account Bonuses
Use ACH Transfer Services
If employer direct deposit isn't available, services like Fidelity or Charles Schwab often code transfers as direct deposits. Test with small amounts first to verify.
Track Requirements Carefully
Monitor your progress toward bonus requirements using online banking. Set calendar reminders for key dates like direct deposit deadlines and account closure restrictions.
Plan Your Exits
Before opening accounts, plan when you'll close them to avoid long-term fees. Some bonuses require keeping accounts open 90-180 days minimum to avoid clawback.