Every nationwide bank and fintech bonus we track for November 2026, ranked by effort-adjusted value, not by who pays us. Each offer shows its source and the date we last checked it.
Not financial advice. Some links may earn us a commission. Rankings are math-only and never paid. Every offer links its source and shows when we last checked it.
13 offers · sorted by net $/day · checked Nov 9, 2026
Only payroll/pension/government ACH counts; Zelle, PayPal, Venmo, bank ACH transfers, wires and tax refunds do not. Bonus paid within 7 business days. May be reported on 1099-MISC. SoFi can end the promo any time.
Expires: Dec 31, 2026. SoFi must receive your first eligible direct deposit on or before 12/31/26. Promotion window 5/15/2026-12/31/2026.
Cash parked $0 · Opportunity cost vs 4.00% savings $0 · Net $400
$15 monthly service fee unless $500+ qualifying electronic deposits, $1,500+ daily balance, or other waivers. Zelle, mobile check deposits, bank/brokerage transfers and tax refunds do not count as direct deposit. Bonus within 15 days of completing requirements.
Expires: Jan 27, 2027. Offer expires 01/27/2027 (open by).
Cash parked $0 · Opportunity cost vs 4.00% savings $0 · Net $400
Up to $350 ($200 deposit bonus + up to $150 card cash back)
$3.37net / day
Ends in 83 daysPaid in ≤104 daysHeavy lift
One qualifying direct deposit of $500+ within 34 days of opening; activate physical card within 14 days of it.
Invitation required (Chime app, text, push, email or ad) and you must enroll on that offer page. First-time Chime customers only. Full $150 cash back needs ~$500/month of eligible card spend for 90 days (10% back, $50/month cap).
Rent, bill payments, gift cards, money transfers and ATM withdrawals don't earn the cash back. Credits of $10+ reported on 1099-INT. Chime is a fintech, not a bank (accounts at The Bancorp Bank, N.A. or Stride Bank, N.A.).
Expires: Jan 31, 2027. Per the cited terms, valid 3/25/2026-1/31/2027.
Cash parked $0 · Opportunity cost vs 4.00% savings $0 · Net $350
Also see: chime.com/350-intro-offer/ blocked our fetcher (Cloudflare) on 2026-10-26; NerdWallet's Oct 2026 roundup also lists 'Chime: up to $350'.
The 4.00% APY was read on Live Oak's page; the $300 bonus and its terms are only on Doctor of Credit so far. Savings has no debit card or checks; incoming portal ACH held 5 business days.
Expires: No end date. Not published.
Cash parked $20,000 · Opportunity cost vs 4.00% savings $0 · Net $300 · Bonus as APY 6.08%
Also see: https://www.liveoakbank.com/personal-savings/ (APY 4.00% confirmed; bonus not shown there)
Referrers can earn for up to 10 referrals per calendar year. Payout timing is not stated on the help page; our day count uses the 14-day card-activation window as the lag.
Expires: No end date. Standard program, no end date published.
Cash parked $0 · Opportunity cost vs 4.00% savings $0 · Net $100
Base Interest Savings 3.90% APY; checking 1.00% APY. Requirement details (deposit size, hold) come from Doctor of Credit, not Bask's own terms. Our math assumes the $10k earns the 3.90% savings rate.
Expires: No end date. 'Limited time' per issuer; no date published.
Cash parked $10,000 · Opportunity cost vs 4.00% savings $4.93 · Net $295 · Bonus as APY 6.08%
Also see: https://www.doctorofcredit.com/best-bank-account-bonuses/
Homepage says 'Terms apply; see full details and promotional disclosure' — we have not read that disclosure yet. Percapita is not a bank; deposits held at Sutton Bank, Member FDIC (pass-through insurance).
Expires: No end date. No end date on the homepage. Doctor of Credit (10/26/2026) reports a participant cap of 7,000 people.
Cash parked $0 · Opportunity cost vs 4.00% savings $0 · Net $300
Also see: https://www.doctorofcredit.com/best-bank-account-bonuses/
$200 plus 4.25% APY for 6 months (promo code SAVE200)
—net / day
Ends in 21 daysEffort not verified
No direct deposit.
Qualifying-deposit amount not confirmed: E*TRADE's banner says 'qualifying deposits' without the figure in the text we read. The older $400-$800 tiers listed by aggregators were not on E*TRADE's site on 2026-11-04.
Two aggregators disagree on details (DoC: 4% APY; NerdWallet: 4.25% for 6 months). The E*TRADE savings URL we tried returned 404. Re-verify before featuring.
Expires: Nov 30, 2026. E*TRADE's site banner (read 2026-11-04): open and fund a new Premium Savings Account with qualifying deposits by November 30, 2026. Terms apply.
Cash parked — · Opportunity cost vs 4.00% savings — · Net —
Also see: https://us.etrade.com/bank/premium-savings-account
Listed by NerdWallet ('Earn up to $250 with 360 Checking. Terms apply.'). UNVERIFIED. Not confirmed: Capital One's 360 Checking page (read 2026-11-04) did not mention a $250 bonus. Treat as unconfirmed until it shows on Capital One's site.
Expires: No end date. Unknown.
Cash parked — · Opportunity cost vs 4.00% savings — · Net —
U.S. Bank's Smartly product page (fetched 10/26) does not show the bonus. $12 monthly fee waived first 2 statements; then $1,500 DD or $1,500 avg balance etc. UNVERIFIED bonus.
Expires: Nov 10, 2026. Bonusfolio lists end date 2026-11-10.
Cash parked $0 · Opportunity cost vs 4.00% savings — · Net —
Also see: https://www.doctorofcredit.com/best-bank-account-bonuses/