Looking for extra cash? These bank bonuses could put up to $400 in your pocket
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Every little bit helps these days, and finding extra money—especially when it comes with little effort—can feel like a small victory.
Whether you are looking for ways to stretch your budget, pad your savings, or simply enjoy a well-deserved treat, opportunities to earn bonuses are always worth a second look.
Right now, several major banks are offering promotional cash bonuses that could put extra money in your pocket—but, as with many offers, acting quickly and knowing the fine print is key.
Before rushing to open a new account, it’s important to look closely at the details.
These bonuses are not just about handing out free money—they’re a strategy banks use to attract new customers.
Each offer comes with specific requirements, and understanding them can help you avoid missing out or facing unexpected fees.
Truist is offering a $400 promotional bonus for new checking account customers who open an account online.
It requires a $50 minimum deposit to start and a $12 monthly service fee (which can be waived with $500 in qualifying direct deposits, a Truist credit card, or student status).
To earn the bonus, you must use a promo code when opening the account online. Multiple sources cite the code AFL2425TR1400, but according to Truist's official website, the correct code is DC2425TR1400.
After applying, you’ll need to make at least two direct deposits totaling $1,000 or more within 120 days of account opening.
This offer expires soon—on April 30—so quick action is necessary.
Bank of America is offering a $300 bonus to new Advantage account holders.
You’ll need $100 to open the account, but you can waive the $12 monthly fee with a qualifying direct deposit of $250, a $1,500 average daily balance, or Preferred Rewards membership.
After opening, customers must receive $2,000 or more in direct deposits within the first 90 days.
This offer is available through May 31, 2025, giving you a little more time to decide.
SoFi is offering a flexible promotion with bonuses ranging from $50 to $300.
This offer applies to new combination checking and savings accounts.
There are no overdraft or setup fees, and customers can easily manage their money and monitor transactions.
The bonus amount depends on how much you deposit: between $1,000 and $4,999.99 earns a $50 bonus, while $5,000 or more earns $300.
There’s no rush, as this offer is available until January 31, 2026.
Citi is providing a $325 bonus for new checking account customers.
There’s no opening fee, and the monthly maintenance fee is $15.
To qualify, customers must complete at least two Enhanced Direct Deposits through ACH channels such as Zelle, PayPal, or Venmo, totaling at least $3,000 within 90 days.
The deadline for this promotion is July 7, 2025.
Although these offers are legitimate, it’s wise to stay cautious.
Always contact your bank directly using official websites or phone numbers when opening new accounts or managing your finances.
If someone approaches you claiming to represent a bank, it’s best to verify their identity independently.
If you’re interested in boosting your finances with these offers, here’s what to do:
Opportunities like these do not come around often, so if you meet the eligibility criteria, it might be the perfect time to take advantage of some extra cash!
Offer details were verified against official Truist, Bank of America, SoFi, and Citi websites as of April 2025.
Promotional terms may change, so it’s always a good idea to confirm with the bank directly before applying.
Read next: This woman found a $950 bank transfer she never authorized–Don’t miss the detail that fooled her!
We’d love to hear your thoughts. Have you ever taken advantage of a bank bonus or other financial incentive? Share your tips and experiences with us in the comments—we enjoy learning from each other!
Whether you are looking for ways to stretch your budget, pad your savings, or simply enjoy a well-deserved treat, opportunities to earn bonuses are always worth a second look.
Right now, several major banks are offering promotional cash bonuses that could put extra money in your pocket—but, as with many offers, acting quickly and knowing the fine print is key.
Before rushing to open a new account, it’s important to look closely at the details.
These bonuses are not just about handing out free money—they’re a strategy banks use to attract new customers.
Each offer comes with specific requirements, and understanding them can help you avoid missing out or facing unexpected fees.
A little extra cash can go a long way—especially when it comes from opportunities designed to reward smart financial moves. Image Source: Pexels / Monstera Production.
Truist’s tempting offer
Truist is offering a $400 promotional bonus for new checking account customers who open an account online.
It requires a $50 minimum deposit to start and a $12 monthly service fee (which can be waived with $500 in qualifying direct deposits, a Truist credit card, or student status).
To earn the bonus, you must use a promo code when opening the account online. Multiple sources cite the code AFL2425TR1400, but according to Truist's official website, the correct code is DC2425TR1400.
After applying, you’ll need to make at least two direct deposits totaling $1,000 or more within 120 days of account opening.
This offer expires soon—on April 30—so quick action is necessary.
Bank of America’s Advantage account
Bank of America is offering a $300 bonus to new Advantage account holders.
You’ll need $100 to open the account, but you can waive the $12 monthly fee with a qualifying direct deposit of $250, a $1,500 average daily balance, or Preferred Rewards membership.
After opening, customers must receive $2,000 or more in direct deposits within the first 90 days.
This offer is available through May 31, 2025, giving you a little more time to decide.
Also read: Protect your life savings: The one red flag that could stop a bank scam before it starts
SoFi’s combined convenience
SoFi is offering a flexible promotion with bonuses ranging from $50 to $300.
This offer applies to new combination checking and savings accounts.
There are no overdraft or setup fees, and customers can easily manage their money and monitor transactions.
The bonus amount depends on how much you deposit: between $1,000 and $4,999.99 earns a $50 bonus, while $5,000 or more earns $300.
There’s no rush, as this offer is available until January 31, 2026.
Also read: Unlock hidden benefits! Discover the retirement perks your bank doesn’t advertise
Citi’s generous giveaway
Citi is providing a $325 bonus for new checking account customers.
There’s no opening fee, and the monthly maintenance fee is $15.
To qualify, customers must complete at least two Enhanced Direct Deposits through ACH channels such as Zelle, PayPal, or Venmo, totaling at least $3,000 within 90 days.
The deadline for this promotion is July 7, 2025.
Also read: Is your money trapped? Find out why Wells Fargo has started freezing bank accounts.
Protecting yourself from scams
Although these offers are legitimate, it’s wise to stay cautious.
Always contact your bank directly using official websites or phone numbers when opening new accounts or managing your finances.
If someone approaches you claiming to represent a bank, it’s best to verify their identity independently.
Taking action
If you’re interested in boosting your finances with these offers, here’s what to do:
- Review each bank’s requirements carefully.
- Open your account online (for Truist) or as instructed.
- Use any necessary promo codes.
- Meet the direct deposit or balance requirements within the given timeline.
- Watch out for monthly fees and know how to waive them.
Opportunities like these do not come around often, so if you meet the eligibility criteria, it might be the perfect time to take advantage of some extra cash!
Offer details were verified against official Truist, Bank of America, SoFi, and Citi websites as of April 2025.
Promotional terms may change, so it’s always a good idea to confirm with the bank directly before applying.
Read next: This woman found a $950 bank transfer she never authorized–Don’t miss the detail that fooled her!
We’d love to hear your thoughts. Have you ever taken advantage of a bank bonus or other financial incentive? Share your tips and experiences with us in the comments—we enjoy learning from each other!
