Top Bank Incentives for New Account Openings in July 2025
In the competitive world of banking, sign-up bonuses have become a popular tool for financial institutions to attract new customers and grow their deposit base. Here's a roundup of some of the best sign-up bonuses currently available for brokerage accounts, checking accounts, and savings accounts, as of July 2025.
**Brokerage Account Bonuses**
Several brokerage platforms are offering sign-up bonuses to entice new customers. For instance, Charles Schwab offers a referral bonus ranging from $100 to $1,000 for personally referred friends opening accounts. J.P. Morgan Self-Directed Investing provides bonuses from $50 up to $700 depending on the deposit amount. E-Trade offers a tiered cash bonus, with deposits ranging from $50 to $6,000 earning bonuses of up to $6,000.
Other platforms like Robinhood, Webull, Public.com, Moomoo, and SoFi Active Invest offer free stocks or cash bonuses for new customers who link a bank account, fund their account, or transfer a certain amount.
**Checking Account Bonuses**
Many banks are offering attractive checking account bonuses for new customers. For example, Bank of America offers a $300 bonus for new checking accounts opened with qualifying activity. BMO Checking offers a $400 bonus for new accounts, while Capital One 360 Checking provides a $250 bonus. Chase Total Checking® currently offers a $300 bonus upon meeting account requirements.
**Savings Account Bonuses**
Leading savings account bonuses can reach up to $900 from banks such as Chase, PNC, and Alliant Credit Union, generally contingent on opening a new savings account and meeting deposit or balance requirements.
**Bonuses for Small Businesses**
Huntington National Bank offers up to $1,000 for opening one of the following new business checking accounts: Unlimited Business Checking or Unlimited Plus Business Checking, with requirements including depositing at least $5,000 or $20,000 within specified time periods, maintaining the minimum daily balance for specified periods, and keeping the account open for a minimum of 90 days.
**Summary**
These sign-up bonuses vary in their required deposit amounts, holding periods, and eligibility criteria, so carefully reviewing the terms is important. Brokerage bonuses often require transferring or depositing funds within 60 days and maintaining the account for at least six months to retain the bonus. Bank account bonuses typically require opening a new account and setting up qualifying direct deposits or transactions within a given timeframe.
For a comprehensive list of current sign-up bonuses, here's a summary table:
| Account Type | Institution | Bonus Range | Requirements | |----------------------|----------------------------|--------------------------------|------------------------------------------| | Brokerage | Charles Schwab | $100 - $1,000 (referral) | Referred friend opens account | | | J.P. Morgan Self-Directed | $50 - $700 | Deposit funds | | | E-Trade | $50 - $6,000 | Deposit $1,000+ within 60 days, promo code OFFER25 | | | Robinhood | Free stock ($5 - $200) | Link bank account | | | Webull | Up to $30,000 cash | Fund account by June 30, 2025 | | | Public.com | $150 - $10,000 cash | Transfer $5,000+ | | | Moomoo | Free stock ($2 - $2,000) | Deposit $100+ | | | SoFi Active Invest | Free stock ($5 - $1,000) | Fund account and participate in promotion | | Checking | Bank of America | $300 | Open account and meet deposit/usage criteria | | | BMO Checking | $400 | New account | | | Capital One 360 | $250 | New account | | | Chase Total Checking® | $300 | New account with qualifying activity | | Savings | Chase, PNC, Alliant CU | Up to $900 | New account with deposit requirements |
This snapshot reflects the best offers currently available in mid-2025 based on recent data from financial websites and brokerage promotion guides. Keep in mind that these offers may change, so it's always a good idea to check the latest information directly from the financial institutions.
In the competitive banking and insurance industry, not only brokerage platforms but also checking and savings accounts offer sign-up bonuses to attract new customers. For instance, Charles Schwab offers a referral bonusfor savings accounts, while banks such as Bank of America provide enticing checking account bonuses. Additionally, leading savings accounts can offer up to $900 from institutions like Chase, PNC, and Alliant Credit Union.
