0.01% APY
Based on the amount of new money or securities you transfer to eligible personal checking, savings, or J.P. Morgan Wealth Management accounts.
$35
$150,000
Chase Private Client Checking earns the #1 spot due to its premium services tailored for high-net-worth individuals. The account offers personalized banking strategies and exclusive benefits, making it a standout choice for those who can meet the balance requirements.
Pros:
- Concierge-level service
- Access to tailored financial strategies
Cons:
- High minimum balance requirement
- Monthly fee if balance not maintained
2.Capital One 360 Performance Savings
Capital One
3.00% APY
By using a promo code at opening and maintaining the balance for 90 days.
$0
$0
6 withdrawals per month
What sets Capital One 360 Performance Savings apart is its competitive APY of 3.00% with no monthly fees or minimum balance requirements. This account is particularly appealing for those looking to maximize their savings without incurring costs.
Pros:
- High APY
- No monthly fees
Cons:
- Limited branch access
- Potential for lower rates in the future
3.Wells Fargo Checking
Wells Fargo
0.01% APY
For new customers who open an Everyday Checking account and make qualifying direct deposits.
$15
$25
Wells Fargo Checking shines for its extensive network and variety of account options. While it offers a low interest rate, the $325 bonus for new customers makes it an attractive choice for those looking to switch banks.
Pros:
- Wide range of account options
- Access to a large ATM network
Cons:
- Monthly fees
- Low interest rates
4.Citibank Checking
Citibank
0.00% APY
Depending on the amount you direct deposit or maintain in new-to-Citi funds.
$5.00 to $15.00
$0
Citibank Checking offers a flexible bonus structure that rewards higher deposits, making it appealing for customers who can maintain larger balances. However, the low interest rate and monthly fees may deter some potential account holders.
Pros:
- Tiered bonuses based on deposits
- No minimum deposit to open
Cons:
- Monthly fees
- Low interest rates
5.Huntington Platinum Perks Checking
Huntington Bank
0.03% APY
For new accounts with qualifying deposits.
$25
$25,000
Huntington Platinum Perks Checking is designed for customers with higher balances, offering premium benefits like unlimited ATM fee reimbursements. It stands out for those who can meet the balance requirements, but the monthly fee may be a drawback for others.
Pros:
- Unlimited ATM fee reimbursements
- Premium benefits for higher balances
Cons:
- High minimum balance requirement
- Monthly fee if balance not maintained
6.Key Smart Checking
KeyBank
0.00% APY
For new accounts with qualifying direct deposits.
$0
$10
Key Smart Checking is a fee-free, digital-first account that appeals to those looking to avoid common banking charges. While it lacks interest earnings, its simplicity and lack of fees make it a strong contender for everyday banking.
Pros:
- No monthly fees
- Easy online banking access
Cons:
- No interest earnings
- Limited branch access
up to 3.10% APY
For new accounts with qualifying direct deposits.
$0
$0
SoFi Checking and Savings offers a compelling combination of no fees and high APY potential, making it an attractive option for those looking to maximize their savings. The tiered bonus structure further incentivizes new customers to engage with the account.
Pros:
- No monthly fees
- High APY potential
Cons:
- Limited physical branches
- Variable rates
8.Banner Bank High Yield Relationship Savings
Banner Bank
0.25% to 2.63% APY
For new accounts with qualifying deposits.
$10
$5,000
Banner Bank's High Yield Relationship Savings account is designed for those who can maintain higher balances, offering tiered interest rates that reward larger deposits. The potential for a $500 bonus adds further appeal, though the monthly fee may be a consideration.
Pros:
- Tiered interest rates
- Unlimited deposits and withdrawals
Cons:
- Monthly fee
- Requires maintaining a balance to waive fees
9.US Bank Checking
U.S. Bank
0.005% APY
For new customers who meet direct deposit requirements.
$12
$25
U.S. Bank Checking offers a solid digital banking experience with budgeting tools and a variety of account options. While the interest rate is low, the $450 bonus for new customers makes it a competitive choice for those looking to switch banks.
Pros:
- Access to digital budgeting tools
- Wide range of account options
Cons:
- Monthly fees
- Low interest rates
10.TD Signature Savings
TD Bank
0.01% to 4.00% APY
For new accounts with qualifying deposits.
$15
$10,000
TD Signature Savings is tailored for customers who can maintain higher balances, offering tiered interest rates that can significantly increase with qualifying accounts. The $200 bonus for new customers adds to its appeal, though the monthly fee may be a drawback.
Pros:
- Tiered interest rates
- Potential for higher relationship rates
Cons:
- Monthly fee
- Requires maintaining a balance to waive fees
Final Words
In summary, July 2026 offers compelling savings account bonuses that can significantly enhance your financial growth, but it's essential to compare options to find the best fit for your needs. Take the time to evaluate different accounts and their requirements to maximize your earnings and make informed decisions.
Frequently Asked Questions
The APY for the Capital One 360 Performance Savings account is 3.00% APY.
No, there are no monthly fees for the Capital One 360 Performance Savings account.
The monthly fee for the Chase Private Client Checking account is $35.
You can waive the $35 monthly fee by maintaining a combined average daily balance of $150,000 or more across your linked qualifying Chase checking, savings, and J.P. Morgan investment accounts.
The APY for the Wells Fargo Checking account is 0.01% APY.
The monthly fee for the Wells Fargo Checking account is $15.
The Chase Private Client Checking account offers tailored financial strategies and specialized benefits for high-net-worth clients.
A total of 10 savings account products were researched for bonuses in July 2026.
