Checking Account Bonuses in North Carolina: August 2026
Ad Disclosure: This article contains references to products from our partners. We may receive compensation if you apply or shop through links in our content. This compensation may impact how and where products appear on this site. You help support CreditDonkey by using our links.
Compare the best checking account bonuses in North Carolina. See which banks offer cash bonuses for opening a new checking account — updated monthly.
 |
North Carolina banks are competing for new customers — and many offer cash bonuses just for opening a checking account with a qualifying deposit. We track the latest active checking account bonus available to North Carolinians below, updated August 2026.
Here are today's best checking account bonuses for North Carolina residents:
- Bank of America Advantage Plus Banking®:
Up to $500 Bonus Offer - Chase Total Checking®:
$400 Bonus - Citibank:
Checking with Enhanced Direct Deposit - $325 Cash Bonus - PNC Bank:
Virtual Wallet with Performance Select Checking - $400 Bonus - Wells Fargo:
Everyday Checking Account - $325 Bonus - TD Bank:
Student Checking Account - $100 Bonus - Capital One:
Personal Checking Account - $300 Bonus - Regions Bank:
Personal Checking Account - $300 Bonus - Huntington:
Personal Checking Account - $600 Bonus - SouthState Bank:
Personal Checking Account - $200 Bonus - U.S. Bank Smartly® Checking:
$450 Bonus - Fifth Third Bank:
Personal Checking Account - $300 Bonus - Truist Bank:
Personal Checking Account - $500 Bonus - North State Bank:
Personal Checking Account - $200 Bonus - Local First Bank:
Personal Checking Account - $100 Bonus - First Horizon Bank:
Personal Checking Account - $3,000 Bonus
Bank of America Advantage Plus Banking® - Up to $500 Bonus Offer
- New checking customers only: Get a bonus offer up to $500 after completing qualifying transactions. See offer page for more details
- Bank of America N.A. Member FDIC.
Bank of America Advantage Relationship Banking® - Up to $500 Bonus Offer
- New checking customers only: Get a bonus offer up to $500 after completing qualifying transactions. See offer page for more details
- Bank of America N.A. Member FDIC.
Bank of America Advantage SafeBalance Banking® - $100 Bonus Offer
- New checking customers only: Get a $100 bonus offer after completing qualifying transactions. See offer page for more details
- Bank of America N.A. Member FDIC.
Chase Total Checking® - $400 Bonus
- New Chase checking customers can receive $400 when you open a Chase Total Checking® account and make direct deposits totaling $1,000 or more within 90 days of coupon enrollment.
- Unlock more offers with Chase. Get up to $500 per calendar year by referring friends and family. Plus, get cash back from top brands with Chase Offers when you use your debit card.
- Chase Total Checking® has a $15 monthly service fee, you can easily avoid the fee with direct deposits totaling $500 or more, or a minimum average daily balance each statement period.
- Chase Overdraft Assist℠ – no overdraft fees if you're overdrawn by $50 or less at the end of the business day or if you're overdrawn by more than $50 and bring your account balance to overdrawn by $50 or less at the end of the next business day*
- Chase Mobile® app makes banking simple. Manage accounts, pay bills, send money to friends with Zelle® and deposit checks on the go with Chase Quick Deposit℠.
- Chase has the largest branch network in the U.S. with thousands of ATMs and branches. Use the Chase locator tool to find a branch or ATM near you.
- Chase helps keep your money protected with features like Zero Liability Protection, fraud monitoring and card lock.
- Chase Total Checking includes FDIC insurance up to the maximum amount allowed by law.
Chase Secure Banking℠ - $175 Bonus
- New Chase checking customers enjoy a $175 checking account bonus when you open a Chase Secure Banking℠ account with qualifying transactions. Open online or at any Chase branch.
- Set up direct deposit and you may get your money up to two business days early—exclusively for Chase Secure Banking℠ customers.
- No minimum deposit to open an account and get started plus no overdraft fees with a Chase debit card that helps you stay within your balance.
- Unauthorized purchases on your debit card? Let us know right away. With Zero Liability Protection with Chase Secure Banking℠ we'll reimburse you for charges you didn't make.
- $0 Monthly Service Fee for customers age 17-24.
- Pay bills, cash checks and send or receive money with Zelle® with a Chase Secure Banking℠ account.
- Chase makes it easy for you to access your money from anywhere with the Chase Mobile® app, plus thousands of ATMs and branches.
- JPMorgan Chase Bank, N.A. Member FDIC.
Chase Business Complete Banking® - Up to $500 Bonus
- Earn up to $500 when you open a new Chase Business Complete Checking® account. For new Chase business checking customers with qualifying activities.
- Choose Chase Business Complete Banking® to get a fully integrated business solution that can help you control costs. Waive the $15 Monthly Service Fee in multiple ways like keeping a minimum $2,000 balance, plus use built-in offerings such as card acceptance, invoicing, Chase Customer Insights and Tap to Pay on iPhone
- Bank with confidence. Feel confident knowing we have the largest branch network in the U.S. with 5,000 branches that provide personalized service and can help with your complex banking needs. You can also benefit from our account protection services, which provide safeguards by overseeing employee account activity, monitoring checks, and offering additional protection for your business.
- Access online banking for small businesses. Take advantage of our digital business banking platform with a comprehensive set of features designed for small business owners like you. Our tools enhance your ability to manage cash flow, accept and make payments, create invoices and plan for growth, so you can streamline processes and gain greater control of your finances.
- More small business owners choose Chase than any other bank
- The #1 choice for small business banking.
Bank of America® Business Advantage Banking - $400 or $750 Cash Bonus Offer
- The $400 or $750 cash bonus offer is an online only offer and must be opened through the Bank of America promotional page.
- The offer is for new eligible business checking customers only.
- Offer expires 12/31/2026.
- To qualify, open a new Business Advantage Relationship Banking or Business Advantage Fundamentals™ Banking account through the promotional page and deposit New Money* directly into that new eligible account within thirty (30) days of account opening (“Deposit Period”). At the
end of the Deposit Period, all New Money deposits made directly into new eligible Business Advantage Banking account will be totaled to determine which Balance Requirement you have met and which corresponding Cash Bonus Tier you
are eligible for.
Balance Requirement Cash Bonus Tier $5,000 $400 $15,000 $750 - Maintain a daily balance in that new Business Advantage Banking account that meets the applicable Balance Requirement during the Maintenance Period**
- After you satisfy all of the requirements, Bank of America will attempt to deposit your earned bonus directly into your new eligible Bank of America Business Advantage Banking account within 60 days.
- Additional terms and conditions apply. See offer page for more details.
- *New Money is new funds deposited into your Business Advantage Banking account that are not transfers from other Bank of America accounts or Merrill investment accounts.
- ** The Maintenance Period begins thirty-one (31) calendar days after account opening and ends ninety (90) calendar days after account opening.
- Bank of America, N.A. Member FDIC
Citibank: Checking with Enhanced Direct Deposit - $325 Cash Bonus
Earn a $325 cash bonus when you open a new eligible checking account with Enhanced Direct Deposit and complete required activities. Deposit at least two Enhanced Direct Deposits directly into your new checking account within 90 calendar days from account opening. Your total combined Enhanced Direct Deposit must equal $3,000 or more. Your cash bonus will be deposited to your open, eligible checking account within 30 calendar days after required activities have been completed.
HSBC Premier - Up to $5,000
- Get $1,500: Deposit or invest $150,000 to $249,999
- Get $2,500: Deposit or invest $250,000 to $499,999
- Get $3,500: Deposit or invest $500,000 to $999,999
- Get $5,000: Deposit or invest $1,000,000+
How the offer works
- Open a Premier checking account by August 31, 2026
- Add your preferred amount of deposits and/or eligible investments within 20 days
- Maintain your balances for 3 full consecutive months
- Remain opted-in to receive HSBC marketing emails
If all offer requirements are met, the bonus will be paid within 8 weeks.
Discover what Premier gives you access to
- Premier Relationship Savings: Earn our best savings rate with a Premier Relationship Savings account for an introductory period and thereafter if you qualify.
- HSBC Global Money Transfers: Send money internationally, securely, quickly and fee-free in the mobile app, with our award-winning5 HSBC Global Money Transfers
- Credit cards: Enjoy a competitive range of rewards and benefits that complement your lifestyle
- Wealth management: Get a personalized financial plan, global opportunities and a Wealth Relationship Manager for investment support via HSBC Securities (USA) Inc.
Free Business Checking - Earn $500 Bonus
To earn the $500 bonus, customers must apply for a Bluevine Business Checking account anytime between now and 09/30/2026 using the referral code CD500.
After opening your account, deposit a total of $5,000 within the first 30 days. After 30 days, maintain a minimum daily balance of $5,000 while also completing at least one of the following eligibility requirements every 30 days for 90 days:
- Deposit at least $5,000 from eligible merchant services to your Bluevine account OR
- Make at least $5,000 of outbound payroll payments from your Bluevine account using eligible payroll providers OR
- Spend at least $2,000 on eligible transactions with your Bluevine Business Debit Mastercard® and/or Bluevine Business Cashback Mastercard®
Banking services provided by Coastal Community Bank, Member FDIC
How to Maximize Your Checking Account Bonus in North Carolina
Stack multiple bonuses. National banks (such as Chase, Bank of America, and Wells Fargo Bank) and North Carolina-based banks often run promotions at the same time. Open accounts at multiple banks to collect more than one bonus. Just make sure you meet each bank's direct deposit requirement.
Watch for enhanced offers. Banks like Bank of America, Truist, and First Citizens Bank sometimes boost bonus amounts in competitive North Carolina metros. Watch your physical mail and email for targeted offers with higher payouts.
Set up direct deposit right away. The clock starts when you open the account — not when direct deposit kicks in. Waiting too long could mean missing the qualifying window.
Many high-value bonuses require direct deposit. However, some banks accept ACH transfers from external accounts as qualifying "direct deposits." Check each bank's terms carefully.
Highest Checking Account Bonus in North Carolina
North Carolina residents can take advantage of many lucrative bank bonuses for August 2026 from various banks and credit unions, including First Horizon Bank:
First Horizon Bank: Personal Checking Account - $3,000 Bonus
Open a new Private Client Reserve Checking with a Private Client Relationship Manager. Deposit $500,000 or more in new money deposits within 45 days of account opening. Maintain a combined end-of-day ledger balance of at least $500,000 for 90 consecutive days. Set up and receive at least two qualifying ACH direct deposits within 90 days of account opening.
First Horizon Bank: Personal Checking Account - $2,000 Bonus
Open a new Private Client Reserve Checking with a Private Client Relationship Manager. Deposit $250,000 or more in new money deposits within 45 days of account opening. Maintain a combined end-of-day ledger balance of at least $250,000 for 90 consecutive days. Set up and receive at least two qualifying ACH direct deposits within 90 days of account opening.
Citi Checking - $1,500 Bonus
Open a new Regular Checking account and enroll in this offer the same day the account was opened. Deposit at least $200,000 of new-to-Citibank funds into your new checking account within 45 days of account opening. Maintain $200,000 or more in the account for an additional 45 days after the first 45 days.
U.S. Bank Platinum Business Checking - $1,200 Bonus
Open a new U.S. Bank U.S. Bank Platinum Business Checking account. Use promo code Q3AFL26 at account opening. Deposit at least $25,000 in new money within 30 days of opening your new Platinum Business Checking Package. You must maintain at least $25,000 balance for 60 days after account opening and complete six qualifying transactions within 60 days.
The information for U.S. Bank Platinum Business Checking has been collected independently by CreditDonkey. The details on this page have not been reviewed or provided by the bank.
SouthState Bank: Business Checking Account - $1,000 Bonus
Open a new qualifying business checking account. Use promo code LEVELUP at account opening. Within 90 days of account opening, make 15 or more debit card purchases, or a total of at least $5,000 ACH credits. Maintain $50,000 or more in your new business checking account until the end of the 90-day qualifying period. Enroll in SouthState's Treasury Management services. Enroll in Merchant Services and process $200 in transactions to your new business checking account
First Horizon Bank: Personal Checking Account - $1,000 Bonus
Open a new Private Client Reserve Checking with a Private Client Relationship Manager. Deposit $100,000 or more in new money deposits within 45 days of account opening. Maintain a combined end-of-day ledger balance of at least $100,000 for 90 consecutive days. Set up and receive at least two qualifying ACH direct deposits within 90 days of account opening.
PNC Bank: Business Checking Account - $1,000 Bonus
Open a new PNC Treasury Enterprise Plan or Analysis Business Checking account. Maintain an average ledger balance of $30,000 or more in your new checking account for each of the first three statement cycles.
This offer is only available to businesses with an annual revenue of less than $5 million. All existing business checking customers, including those who have closed an account in the past 90 days or has been paid a promotional premium in the past 12 months are not eligible for this offer. $1,000 bonus will be credited to your new business checking account within 90 days after all conditions have been met.
Huntington: Business Checking Account - $1,000 Bonus
Open a new Huntington Unlimited Plus Business Checking account. Make a minimum cumulative new money deposit into the new checking account of at least $20,000 within 30 days of account opening. Maintain minimum daily balance of $20,000 for 60 days after meeting the deposit requirement. Account must maintain an open status for at least 90 days to be eligible.
Chase Total Checking® + Chase Savings℠ - $900 Bonus
- Earn $300 when you open a new Chase Total Checking® account and set up and receive a direct deposit within 90 days of coupon enrollment
- Earn $200 when you open a new Chase Savings℠ account, deposit $15,000 or more in new money within 30 days of coupon enrollment, and maintain $15,000 or more for 90 days of coupon enrollment.
- Earn an additional $400 when you open a new Chase Total Checking® and new Chase Savings℠ at the same time and complete qualifying activities for both accounts.
The information for Chase Total Checking® and Chase Savings℠ have been collected independently by CreditDonkey. The details on this page have not been reviewed or provided by the bank.
Wells Fargo: Business Checking Account - $825 Bonus
Open a new Wells Fargo Initiate Business Checking®, Navigate Business Checking®, or Optimize Business Checking® account. Use promo code at account opening. Promo code can be obtained by providing your email address. Make a deposit of $25,000 or more by day 30 and maintain a minimum daily collected balance of $25,000 through day 60 after account opening.
The information for Business Checking Account has been collected independently by CreditDonkey. The details on this page have not been reviewed or provided by the bank.
Truist Bank: Business Checking Account - $800 Bonus
Open a new Truist Simple Business Checking or Truist Dynamic Business Checking account. Use promo code LP012D93035001B at account opening. Deposit $10,000 or more into the account within 30 days of account opening. Maintain a daily current balance of at least $10,000 or more from the 30th day through the 90th day after account opening.
First Horizon Bank: Personal Checking and Savings Account - $700 Bonus
Open a new FirstView Checking account. Set up and receive qualifying direct deposits totaling $2,000 or more within 90 days of account opening.
Open a new Traditional Savings account. Deposit a total of $3,000 or more in new funds into the new savings account within 30 days of the savings account opening. Maintain a daily collected balance of $3,000 or more for 90 days from the day of the deposit.
SouthState Bank: Business Checking Account - $600 Bonus
Open a new qualifying business checking account. Use promo code LEVELUP at account opening. Within 90 days of account opening, make 15 or more debit card purchases, or a total of at least $5,000 ACH credits. Maintain $50,000 or more in your new business checking account until the end of the 90-day qualifying period.
Huntington: Personal Checking Account - $600 Bonus
Open a new Huntington Platinum Perks Checking account. Make a cumulative new money deposit into the checking account of at least $25,000 or more within 90 days of account opening. Account must remain open for at least 90 days.
Huntington: Personal Checking Account - $600 Bonus
Open a new Huntington Perks Checking account. Set up and receive qualifying direct deposits totaling $500 or more within 90 days of account opening. Account must remain open for at least 90 days.
Wells Fargo: Business Checking Account - $550 Bonus
Open a new Wells Fargo Initiate Business Checking®, Navigate Business Checking®, or Optimize Business Checking® account. Use promo code at account opening. Promo code can be obtained by providing your email address. Make a deposit of $10,000 or more by day 30 and maintain a minimum daily collected balance of $10,000 through day 60 after account opening.
The information for Business Checking Account has been collected independently by CreditDonkey. The details on this page have not been reviewed or provided by the bank.
Truist Bank: Personal Checking Account - $500 Bonus
Open a new Truist One Checking account or Truist Marquee Checking account. Use promo code LP002CF9775E03P at account opening. Set up and receive at least two qualifying direct deposits totaling $2,000 or more within 120 days of account opening. Make at least 20 qualifying debit card purchases within 120 days of account opening.
Bank of America Advantage Plus Banking® - Up to $500 Bonus Offer
- New checking customers only: Get a bonus offer up to $500 after completing qualifying transactions. See offer page for more details
- Bank of America N.A. Member FDIC.
Chase Business Complete Banking® - Up to $500 Bonus
- Earn up to $500 when you open a new Chase Business Complete Checking® account. For new Chase business checking customers with qualifying activities.
- Choose Chase Business Complete Banking® to get a fully integrated business solution that can help you control costs. Waive the $15 Monthly Service Fee in multiple ways like keeping a minimum $2,000 balance, plus use built-in offerings such as card acceptance, invoicing, Chase Customer Insights and Tap to Pay on iPhone
- Bank with confidence. Feel confident knowing we have the largest branch network in the U.S. with 5,000 branches that provide personalized service and can help with your complex banking needs. You can also benefit from our account protection services, which provide safeguards by overseeing employee account activity, monitoring checks, and offering additional protection for your business.
- Access online banking for small businesses. Take advantage of our digital business banking platform with a comprehensive set of features designed for small business owners like you. Our tools enhance your ability to manage cash flow, accept and make payments, create invoices and plan for growth, so you can streamline processes and gain greater control of your finances.
- More small business owners choose Chase than any other bank
- The #1 choice for small business banking.
Bank of America Advantage Relationship Banking® - Up to $500 Bonus Offer
- New checking customers only: Get a bonus offer up to $500 after completing qualifying transactions. See offer page for more details
- Bank of America N.A. Member FDIC.
Citi Checking - $500 Bonus
Open a new eligible checking account and enroll in this offer the same day the account was opened. Deposit at least $30,000 of new-to-Citibank funds into your new checking account within 45 days of account opening. Maintain $30,000 or more in the account for an additional 45 days after the first 45 days.
North State Bank: Business Checking Account - $450 Bonus
Open a new Performance Business Checking account. Make 50 or more qualifying transactions in a statement cycle within 90-180 days of account opening. Qualifying transactions include debit card transactions (not including ATM transactions), ACH debits and credits, and deposits and payments made through Online Banking.
This offer is only available to customers who have received a previous account opening bonus related to a business checking account. Limit one business account opening bonus per physical address, and/or Federal Tax ID. Must be registered to do business in NC.
First Horizon Bank: Personal Checking Account - $450 Bonus
Open a new FirstView Checking account. Set up and receive qualifying direct deposits totaling $2,000 or more within 90 days of account opening.
U.S. Bank Smartly® Checking - $450 Bonus
Open a new U.S. Bank Smartly® Checking account and deposit a minimum of $25 at account opening. Enroll in the U.S. Bank Mobile App or online banking within 90 days of account opening. Complete two or more direct deposits totaling $8,000 or more within 90 days of account opening.
The information for U.S. Bank Smartly® Checking Account has been collected independently by CreditDonkey. The details on this page have not been reviewed or provided by the bank.
Huntington: Business Checking Account - $400 Bonus
Open a new Huntington Unlimited Business Checking, Unlimited Plus Business Checking, Business Analyzed Checking, Non-Profit Analyzed Checking, or Non-Profit Interest Checking account. Make a minimum cumulative new money deposit into the new checking account of at least $5,000 within 60 days of account opening. Account must maintain an open status for at least 90 days to be eligible.
Chase Total Checking® - $400 Bonus
- New Chase checking customers can receive $400 when you open a Chase Total Checking® account and make direct deposits totaling $1,000 or more within 90 days of coupon enrollment.
- Unlock more offers with Chase. Get up to $500 per calendar year by referring friends and family. Plus, get cash back from top brands with Chase Offers when you use your debit card.
- Chase Total Checking® has a $15 monthly service fee, you can easily avoid the fee with direct deposits totaling $500 or more, or a minimum average daily balance each statement period.
- Chase Overdraft Assist℠ – no overdraft fees if you're overdrawn by $50 or less at the end of the business day or if you're overdrawn by more than $50 and bring your account balance to overdrawn by $50 or less at the end of the next business day*
- Chase Mobile® app makes banking simple. Manage accounts, pay bills, send money to friends with Zelle® and deposit checks on the go with Chase Quick Deposit℠.
- Chase has the largest branch network in the U.S. with thousands of ATMs and branches. Use the Chase locator tool to find a branch or ATM near you.
- Chase helps keep your money protected with features like Zero Liability Protection, fraud monitoring and card lock.
- Chase Total Checking includes FDIC insurance up to the maximum amount allowed by law.
PNC Bank: Business Checking Account - $400 Bonus
Open a new PNC Business Checking or PNC Business Checking Plus account. Maintain an average ledger balance of $2,000 in your new checking account for each of the first three statement cycles. Make at least 10 qualifying transactions within the first three statement cycles.
This offer is only available to businesses with an annual revenue of less than $5 million. All existing business checking customers, including those who have closed an account in the past 90 days or have been paid a promotional premium in the past 12 months are not eligible for this offer. $400 bonus will be credited to your new business checking account within 90 days after all conditions have been met.
U.S. Bank Business Essentials - $400 Bonus
Open a new U.S. Bank U.S. Bank Business Essentials® Checking account. Use promo code Q3AFL26 at account opening. Deposit at least $5,000 in new money within 30 days of opening your new Business Essentials account. You must maintain a $5,000 balance for 60 days after account opening and complete six qualifying transactions within 60 days.
The information for U.S. Bank Business Essentials has been collected independently by CreditDonkey. The details on this page have not been reviewed or provided by the bank.
Truist Bank: Business Checking Account - $400 Bonus
Open a new Truist Simple Business Checking or Truist Dynamic Business Checking account. Use promo code LP012D93035001B at account opening. Deposit $2,500 or more into the account within 30 days of account opening. Maintain a daily current balance of at least $2,500 from the 30th day through the 90th day after account opening.
Wells Fargo: Personal Checking Account - $400 Bonus
Open a new qualifying consumer checking account. Receive a total of $1,000 or more in qualifying electronic deposits to the new checking account within 90 calendar days from account opening (qualification period). Bonus will be deposited to the account within 30 days after the qualification period. This offer is for new checking account customers only.
The information for consumer checking has been collected independently by CreditDonkey. The details on this page have not been reviewed or provided by the bank.
Wells Fargo: Business Checking Account - $400 Bonus
Open a new Wells Fargo Initiate Business Checking®, Navigate Business Checking®, or Optimize Business Checking® account. Use promo code at account opening. Promo code can be obtained by providing your email address. Make a deposit of $2,500 or more by day 30 and maintain a minimum daily collected balance of $2,500 through day 60 after account opening.
The information for Business Checking Account has been collected independently by CreditDonkey. The details on this page have not been reviewed or provided by the bank.
SouthState Bank: Business Checking Account - $400 Bonus
Open a new qualifying business checking account. Use promo code LEVELUP at account opening. Within 90 days of account opening, make 15 or more debit card purchases, or a total of at least $5,000 ACH credits.
Bank of America® Business Advantage Banking - $400 or $750 Cash Bonus Offer
- The $400 or $750 cash bonus offer is an online only offer and must be opened through the Bank of America promotional page.
- The offer is for new eligible business checking customers only.
- Offer expires 12/31/2026.
- To qualify, open a new Business Advantage Relationship Banking or Business Advantage Fundamentals™ Banking account through the promotional page and deposit New Money* directly into that new eligible account within thirty (30) days of account opening (“Deposit Period”). At the
end of the Deposit Period, all New Money deposits made directly into new eligible Business Advantage Banking account will be totaled to determine which Balance Requirement you have met and which corresponding Cash Bonus Tier you
are eligible for.
Balance Requirement Cash Bonus Tier $5,000 $400 $15,000 $750 - Maintain a daily balance in that new Business Advantage Banking account that meets the applicable Balance Requirement during the Maintenance Period**
- After you satisfy all of the requirements, Bank of America will attempt to deposit your earned bonus directly into your new eligible Bank of America Business Advantage Banking account within 60 days.
- Additional terms and conditions apply. See offer page for more details.
- *New Money is new funds deposited into your Business Advantage Banking account that are not transfers from other Bank of America accounts or Merrill investment accounts.
- ** The Maintenance Period begins thirty-one (31) calendar days after account opening and ends ninety (90) calendar days after account opening.
- Bank of America, N.A. Member FDIC
PNC Bank: Virtual Wallet with Performance Select Checking - $400 Bonus
Open a new Virtual Wallet with Performance Select checking account and make qualifying direct deposits totaling $5,000 or more within 60 days of account opening. Bonus will be awarded within 60-90 days of meeting the requirements.
U.S. Bank Smartly® Checking - $350 Bonus
Open a new U.S. Bank Smartly® Checking account and deposit a minimum of $25 at account opening. Enroll in the U.S. Bank Mobile App or online banking within 90 days of account opening. Complete two or more direct deposits totaling $5,000 - $7,999.99 within 90 days of account opening.
The information for U.S. Bank Smartly® Checking Account has been collected independently by CreditDonkey. The details on this page have not been reviewed or provided by the bank.
Citibank: Checking with Enhanced Direct Deposit - $325 Cash Bonus
Earn a $325 cash bonus when you open a new eligible checking account with Enhanced Direct Deposit and complete required activities. Deposit at least two Enhanced Direct Deposits directly into your new checking account within 90 calendar days from account opening. Your total combined Enhanced Direct Deposit must equal $3,000 or more. Your cash bonus will be deposited to your open, eligible checking account within 30 calendar days after required activities have been completed.
Wells Fargo: Everyday Checking Account - $325 Bonus
Earn a $325 bonus when you open a new Everyday Checking account and make $1,000 or more in qualifying direct deposits within 90 days of account opening.
The information for Everyday Checking Account has been collected independently by CreditDonkey. The details on this page have not been reviewed or provided by the bank.
Fifth Third Bank: Personal Checking Account - $300 Bonus
Open a Fifth Third Momentum® Checking, or Preferred Checking account. Make direct deposits totaling $500 or more within 90 days of account opening to qualify for bonus. The cash bonus will be deposited into your new checking account within 10 business days of completing qualifying activity requirements.
Regions Bank: Personal Checking Account - $300 Bonus
Register for the offer by December 31, 2026. Open a new personal LifeGreen® Checking account online or in a branch by January 31, 2027. Make $1,000 or more in qualifying ACH direct deposits that post to your account within 90 days of account opening.
Capital One: Personal Checking Account - $300 Bonus
Open a new 360 Checking account. Use promo code OFFER300 at account opening. Set up and receive 2 qualifying direct deposits of $500 or more within 75 days of account opening.
Capital One: Personal Checking Account - $250 Bonus
Open a new 360 Checking account. Use promo code CHECKING250 at account opening. Set up and receive 2 qualifying direct deposits of $500 or more each within 75 days of account opening.
U.S. Bank Smartly® Checking - $250 Bonus
Open a new U.S. Bank Smartly® Checking account and deposit a minimum of $25 at account opening. Enroll in the U.S. Bank Mobile App or online banking within 90 days of account opening. Complete two or more direct deposits totaling $2,000 - $4,999.99 within 90 days of account opening.
The information for U.S. Bank Smartly® Checking Account has been collected independently by CreditDonkey. The details on this page have not been reviewed or provided by the bank.
North State Bank: Personal Checking Account - $200 Bonus
Open a new Performance Checking 2.0 account. Within 90 to 180 days of the account opening, complete at least 20 paid debit card transactions (not including ATM transactions) and have at least one direct deposit within a statement cycle.
SouthState Bank: Personal Checking Account - $200 Bonus
Open a new qualifying checking account. Use promo code EARN200 at account opening. Within 60 days of account opening, complete 15 debit card transactions, and have monthly cumulative direct deposits of at least $250 OR preauthorized automatic draft(s) of $25.
Chase Secure Banking℠ - $175 Bonus
- New Chase checking customers enjoy a $175 checking account bonus when you open a Chase Secure Banking℠ account with qualifying transactions. Open online or at any Chase branch.
- Set up direct deposit and you may get your money up to two business days early—exclusively for Chase Secure Banking℠ customers.
- No minimum deposit to open an account and get started plus no overdraft fees with a Chase debit card that helps you stay within your balance.
- Unauthorized purchases on your debit card? Let us know right away. With Zero Liability Protection with Chase Secure Banking℠ we'll reimburse you for charges you didn't make.
- $0 Monthly Service Fee for customers age 17-24.
- Pay bills, cash checks and send or receive money with Zelle® with a Chase Secure Banking℠ account.
- Chase makes it easy for you to access your money from anywhere with the Chase Mobile® app, plus thousands of ATMs and branches.
- JPMorgan Chase Bank, N.A. Member FDIC.
Wells Fargo: Personal Checking Account - $125 Bonus
Open a new qualifying consumer checking account. Make 10 or more qualifying transactions posted to the new checking account within 60 days of account opening. This offer is for new checking account customers only.
The information for Personal Checking Account has been collected independently by CreditDonkey. The details on this page have not been reviewed or provided by the bank.
North State Bank: Personal Checking Account - Up to $120 Bonus
Open a new Rewards Checking account. Earn up to $120 a year in cash back ($10 a month) when these requirements are met each statement cycle: enroll and receive an electronic statement, complete 20 or more paid debit card transactions (not including ATM transactions), and receive at least one direct deposit totaling $500 or more.
Local First Bank: Personal Checking Account - $100 Bonus
Open a new qualifying checking account. Within 60 days of account opening, set up direct deposit OR complete debit card transactions of $250 or more.
PNC Bank: Virtual Wallet Checking - $100 Bonus
Open a new Virtual Wallet checking account and make qualified direct deposits totaling $500 or more within 60 days of account opening. Bonus will be awarded within 60-90 days of meeting the requirements.
Bank of America Advantage SafeBalance Banking® - $100 Bonus Offer
- New checking customers only: Get a $100 bonus offer after completing qualifying transactions. See offer page for more details
- Bank of America N.A. Member FDIC.
Most checking account bonuses range from $100 to $500, with anything above $300 considered a strong offer. The amount depends on the bank, the account type, and the requirements involved. North Carolina's moderate cost of living means a solid bonus goes further here than in higher-cost northeastern states. Charlotte's role as a major banking hub also means strong competition among financial institutions in the metro area, which can translate to more frequent bonus offers.
Keep in mind that higher bonuses often come with stricter requirements like larger direct deposits or higher minimum balances — so weigh the bonus amount against what is realistic for your banking habits.
Frequently Asked Questions
What banks in North Carolina offer $500 bank bonus?
Several banks offer $500 or higher checking account bonus in North Carolina as of August 2026. Top offers include:
- Bank of America Advantage Plus Banking®:
Up to $500 Bonus Offer - Chase Business Complete Banking®:
Up to $500 Bonus - PNC Bank:
Business Checking Account - $1,000 Bonus - Citi Checking:
$1,500 Bonus - Huntington:
Business Checking Account - $1,000 Bonus - SouthState Bank:
Business Checking Account - $1,000 Bonus - Wells Fargo:
Business Checking Account - $825 Bonus - U.S. Bank Platinum Business Checking:
$1,200 Bonus - Truist Bank:
Business Checking Account - $800 Bonus - First Horizon Bank:
Personal Checking Account - $3,000 Bonus
Do I have to pay taxes on checking account bonuses?
Yes. The IRS treats checking account bonuses as interest income, and your bank will report the amount on a Form 1099-INT.[1] You owe federal income tax on the bonus regardless of which state you live in.
North Carolina residents will also owe state income tax on the bonus amount.[2]
How often can I get a checking account bonus from the same bank?
Many banks require you to wait 12–24 months after closing a previous account before you're eligible for a new customer bonus again. Requirements vary by bank.
What are the biggest banks in North Carolina?
The largest banks in North Carolina by deposit market share include Charlotte-headquartered Bank of America and Truist, along with Raleigh-based First Citizens Bank.
Major national banks such as Wells Fargo and Chase also maintain a significant presence in the state. Charlotte is the second-largest banking hub in the U.S. after New York City.
Can you close your account after earning a checking bonus?
Many banks require you to keep the account open for 6 to 12 months after receiving the bonus. Closing too early may result in having to pay the bonus back.
The specific terms vary by bank and promotion, so always read the terms and conditions on the bank's website before signing up to understand the requirements.
How do you qualify for a checking account bonus?
Requirements vary by bank, but most bonuses require you to be a new customer (no account in the past 12–24 months), open a qualifying account with a minimum deposit, set up direct deposits within 60–90 days, and keep the account open for a set period.
Some bonuses are geo-targeted, and North Carolina residents — especially in Charlotte, Raleigh, and Durham — may see localized offers from regional and community banks competing for deposits. Always verify the specific terms of each offer, as qualification criteria differ between banks.
How can you avoid losing a checking account bonus?
The most common reasons people lose a bonus: closing the account too early, missing the direct deposit requirement, or blowing a deadline.
To protect yourself:
- Confirm your direct deposit source qualifies — some banks exclude Venmo or Zelle transfers.
- Meet all requirements within the stated timeframe.
- Keep the account open for at least the minimum period in the offer terms.
References
- ^ IRS. Topic No. 403, Interest Received, Retrieved 05/14/2026
- ^ North Carolina Department of Revenue. North Carolina Department of Revenue, Retrieved 05/14/2026
Note: This website is made possible through financial relationships with some of the products and services mentioned on this site. We may receive compensation if you shop through links in our content. You do not have to use our links, but you help support CreditDonkey if you do.
|
|
|
