The biggest checking bonuses this November pay $2,000 to $4,000 for $250,000 to $1,000,000 in new money. Ultra high net worth here means a household that can move and hold that amount for 90 days. Citibank leads on dollar amount, while NerdWallet reports Chase covers middle tiers. Wells Fargo and HSBC target $250,000 transfers, and Bank of America suits direct-deposit earners.
Table of Contents
- Which bonus pays the most right now?
- What does Wells Fargo require?
- How do Citi and Chase tiers compare?
- What limits should large depositors plan for?
- When does a smaller transfer make sense?
Which bonus pays the most right now?
Citibank offers up to $4,000 for Regular Checking opened October 27, 2026 to January 11, 2027. The top tier needs $1,000,000 in new-to-Citi funds, according to Citibank in its Citibank featured checking offer. NerdWallet reports Chase Private Client Checking pays up to $3,000 for $500,000 or more.
Wells Fargo pays $2,000 to $2,500 for $250,000, and HSBC pays $2,500 for $250,000 or more. For $1,000,000, Citibank pays more than Chase. For $250,000, Wells Fargo, Chase, and HSBC cluster near $2,000 to $2,500 before timing and account rules.
What does Wells Fargo require?
Wells Fargo pays $2,000 when a customer opens or upgrades to Premier Checking by January 13, 2027. The customer must bring $250,000 or more in new deposits by day 45 and maintain it through day 90, according to Wells Fargo in its Wells Fargo Premier bonus offer page. A higher $2,500 bonus applies to upgrades completed in-branch with an offer code by November 9, 2026.
It uses the same $250,000 qualifying linked balance rule through day 90. Qualifying balances can sit in linked checking, savings, CDs, IRAs, or investment accounts. That choice matters because idle cash can stay invested where the terms allow.
How do Citi and Chase tiers compare?
Citibank pays $500 for $30,000, $2,000 for $200,000, and $4,000 for $1,000,000 in new funds. That ladder helps households below the very top tier still earn a large bonus. NerdWallet reports Chase pays $1,000 for $150,000 or more, $2,000 for $250,000 or more, and $3,000 for $500,000 or more.
The account must be opened with a branch banker by January 27, 2027, according to NerdWallet in its NerdWallet Chase bonus roundup. Chase measures new money or securities transferred within 45 days and held for 90 days. Citi focuses on new-to-Citi funds during its October-to-January window.
What limits should large depositors plan for?
These bonuses require new money, exclude recent account holders, and block repeat bonuses. They also pay 30 to 120 days after requirements, so expect a wait after day 90.
Wells Fargo terms make the practical rule clear: keep the full balance untouched through day 90. A dip below the tier can remove the whole bonus. Use this quick check before moving funds:.
- Confirm the open-by date and whether a branch visit or code is required
- Confirm the new-money definition and the day-45 funding deadline
- Keep qualifying funds in linked investments rather than 0.01% checking where allowed
- Leave a buffer above $250,000, $500,000, or $1,000,000 for valuation changes
When does a smaller transfer make sense?
HSBC pays new Premier checking customers $1,500 for $100,000 to $249,999 or $2,500 for $250,000 or more. The referral window runs July 1, 2026 to June 30, 2027, according to HSBC in its HSBC Premier referral terms. HSBC also pays $750 to the referring Premier client.
A household with an existing Premier contact can coordinate timing for both payments. Bank of America pays new Advantage checking customers up to $500 by January 31, 2027. It pays $100 for $2,000 or more, $300 for $5,000 or more, and $500 for $10,000 or more in qualifying direct deposits within 90 days. That route fits high earners who cannot lock up six figures.
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