The clearest pure savings bonus this month comes from Barclays US, which pays $200 to new Tiered Savings customers who deposit and hold at least $25,000. The largest headline payout comes from Chase, which pays up to $900 to new customers who open Total Checking and Savings together and meet both requirements. A savings bonus is cash a bank pays after you open an account and meet deposit rules. Most big-name offers this month link that cash to checking use, not to a savings balance alone.
Table of Contents
- The one standalone savings bonus
- How the $900 Chase bundle works
- Why most bonus dollars require checking
- Will you count as a new customer?
- How can a checking bonus improve savings yield?
The one standalone savings bonus
According to Barclays US, new Tiered Savings customers can earn $200 by depositing at least $25,000 within 30 days and keeping that balance for 120 days. The bank pays the bonus about 60 days later. See the Barclays Tiered Savings offer page.
That structure fits savers with large idle cash. Barclays US lists January 31, 2027 as the expiration. A deposit below $25,000 earns no bonus.
How the $900 Chase bundle works
According to Chase, new customers can earn up to $900 by opening Total Checking and Savings together and completing both requirements. Savings funds must be new money deposited within 30 days and maintained for 90 days. See the Chase checking-and-savings offer page.
Chase says new money excludes funds already held at Chase or its affiliates. That rule blocks transfers from an existing Chase account. Bring outside cash to qualify.
Why most bonus dollars require checking
U.S. Bank offers up to $450 for a new Smartly Checking account applied for by November 10, 2026. The payout is $250, $350, or $450 for two direct deposits within 90 days totaling $2,000, $5,000, or $8,000. Bank of America offers new checking customers up to $500 for opening an eligible Advantage account through its offer page and receiving qualifying direct deposits.
Its promotion page lists a January 31, 2027 deadline. Wells Fargo advertises a $125 Clear Access Banking bonus for 10 qualifying posted transactions within 60 days, ending January 13, 2027. SoFi Bank offers up to a $400 direct-deposit bonus for Checking and Savings to members who never set up SoFi direct deposit. The pattern is consistent: big banks pay mainly for direct deposits or account activity, not for holding savings.
Will you count as a new customer?
Chase restricts its bundle to people without existing Chase checking or savings. U.S.
Bank and SoFi also tie eligibility to new accounts and prior direct-deposit history. Check these limits before you apply: A denied bonus still leaves moved money tied up during the holding period. Confirm eligibility first, then fund the account.
- Chase excludes accounts closed within 90 days or closed with a negative balance within three years.
- Chase allows only one checking and one savings bonus every two years.
- SoFi allows one bonus per member and requires no prior SoFi direct deposit.
- U.S. Bank requires a $25 opening deposit within 60 days plus app enrollment.
How can a checking bonus improve savings yield?
According to U.S. Bank, holding Smartly Checking unlocks higher rates on a Smartly Savings account. That pairing lets a checking-bonus seeker combine upfront cash with better ongoing yield.
See the U.S. Bank 2026 checking offer page. Compare the holding period against the rate benefit before you move funds. Chase requires 90 days for savings money, while Barclays US requires 120 days at $25,000.
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