For account balances less than $5,000, the APY drops to .50%, not to mention the fees you may incur for a lesser balance. This deal is available to residents of Massachusetts. Click here for the promo page.

Looks like FNBO Direct has launched a new program, My Deals, for their debit/credit cardholders. My Deals is basically a credit card savings feature that provides relevant spending offers to FNBO Direct account holders based on how they use their FNBO Direct cards – either the FNBO Direct Online BillPay debit card or the Extra Earnings Visa Card.

Customers can take advantage of the offer by using their card for the transaction at the merchant point of sale, and FNBO Direct credits the customers account for the redemption of each offer at the end of the month.

It’s easy to get started – Simply Click Here and hit the Log In button and start earning more savings!

Here’s how to get this deal in 2 steps:

• To qualify for one of the cash rewards, you must open an interest checking account in the Citigold or Citibank Account relationship package by 12/31/2010.
• Within 30 calendar days of account opening, you must deposit and maintain an average daily balance of $1,000 for 30 calendar days.

Click Here for the promotion page of this deal.

Here are a few account perks you’ll also get:

• Free global ATM usage for select accounts.
• Free Online Banking and Bill Pay.
• Free PNC Bank Visa Check Card.
• Free Banking Rewards Program, PNC points.
• PNC Security Assurance includes an array of products, services and account features.

This offer is only available to new PNC customers. The new personal checking account must be opened via online application before September 30.

You must make the ten check card purchases within 60 days of the account opening and your account must remain open to get the $100 credited to your account.

Offer only available to residents of DC, DE, FL, IL, IN, KY, MD, MI, MO, NJ, OH, PA, VA and WI. The deal may be extended, modified or discontinued at any time and may vary by market.

Click Here for the promo page.

• Sign up for direct deposit.
• Use the Visa Check Chard twice.

The deal is set to expire 9/30/2010. Below is a copy of the offer’s small print:

Direct deposit transactions include payroll, Social Security, pension, and government benefits. Qualifying debit card transactions must be signature-based. Limit one iPod touch® per household. Bank employees and their families are not eligible. The value will be reported on a Form 1099. This promotion applies only to new checking accounts. Must redeem before September 30, 2010. The Bank may discontinue this offer at any time without notice.

The bank also offers the e-Checking and e-Savings accounts that pay 5.00% APY. However, this rate only applies to balances up to $1,000. Balances over that only earn 0.50%.

A branch visit appears to be required to open accounts. Branches are located in the New York cities of Catskill, Cairo, Ghent, West Coxsackie, Hudson, Greenville, Ravena, Tannersville and Westerlo. Click Here for promotion details.

Below are the details:

• Offer valid until 8/14/10.
• To qualify for the bonus you must open a new Chase Checking^SM account with a $100 minimum deposit of new money
• Within 60 days of account opening you must initiate a monthly direct deposit which includes payroll, pension, Social Security or other government benefits
• OR make five debit card purchases.
• The bonus will be automatically deposited into your new account within 10 business days after the initial direct deposit or five debit card purchases have posted to your account.

Click Here to access the promotion page. You can either open an account online, or have a coupon emailed to you and open an account at a Local Branch.

In order to get this deal, you just need to sign up for an eSave account. The minimum opening deposit required is $0, and the online process to open an account takes about five minutes.

The eSave Account Package comes with eSave Checking and eSave Savings accounts. The bundle comes with all the accoutrements: Free online banking, text and E-mail alerts, free bill pay, a check card and free mobile banking. Sounds like a great deal! Click Here for the promo page.

An additional perk is if you open an account online, you’ll get an extra $25 deposited into your new account. In order to qualify for any of these offers, you’ll have to enter “KCoffer” in the promo code field on the acount opening form.

Click Here for the bonus page.

BB&T is offering a $100 bonus when you open a new checking account. The bonus is only for residents of Alabama, Florida, Georgia, Indiana, Kentucky, Maryland, North Carolina, South Carolina, Tennessee, Virginia, Washington, D.C., and West Virginia.

Below are a few simple steps to obtain the bonus:

• Open a BB&T Checking Account
• Set up direct deposit or make 3 online bill payments
• Receive your bonus

Below are some fine print details from the Promotion Page:

• Available to new clients that open a new personal checking account by 6/06/10.
• Offer is limited to one incentive per household, and does not apply to second or multiple personal accounts
• The $100 account opening incentive will be deposited directly to your account within 4 weeks of meeting the above requirements

Click Here to read more about this bonus.

Here are 3 steps to open your account:

1. Open your new MyAccess Checking account online with offer code CH75OL1.
2. Fund your new account with $125 within 30 days.
3. Receive your $75 within 90 days of account opening.

Here are some fine print details:

• This is a special offer to existing Bank of America credit card customers and only valid only for new MyAccess Checking® accounts.
• Limit one $75 incentive per household every 6 months.
• You must make all requirementswithin 30 days in order to qualify for this offer.

Click Here for the promo page.

South Shore Savings Bank is offering a $200 bonus when you open a rewards checking account with direct deposit. The minimum opening deposit is $10.

The deal is only available to accounts opened with a Massachusetts address; branches are located in Braintree, East Bridgewater, Norwell, Pembroke, Plymouth, Quincy, Stoughton, and Weymouth.

No minimum balance is required and no monthly fees are assessed. Click Here for the promotion page. They also have a $100 & $50 bonus for opening a relationship checking and free checking, respectively.

Here are a few benefits of opening a Thrivent Rewards Checking account:

• Free unlimited online bill-pays per month.
• Free access to all of your financial accounts online through one easy-to-use tool – FinanceWorks.
• Free automatic transfers.

The promotion is available nationwide, just call 800-688-6031 .Click Here for the promo page.

Even more, this account comes with a 1.25% APY and no minimum balance is required.  To qualify for the deal, you must keep your account open for 90 days.

Click Here to learn more about this deal.

Below are a few details about the bonus:

• Minimum deposit of $50 is required.
• Must set up an automatic, recurring direct deposit of income of at least $250 per month.
• Direct deposit must be established within the first 60 days of account opening.
• All accounts must remain open and active for a minimum of six months.

Click Here to read more about the $100 Flagstar Checking Bonus.

Here’s how it works, you have the option of opening either a Key Business Free Checking or a Key Business Reward Checking.  If you open a Key Business Free Checking account, then you will be eligible for $225 bonus.  If you open a Key Business Reward Checking, you’ll be eligible for the maximum bonus amount of $275.

You also have to enroll in either Online Banking or Key Business Online and complete two Bill Pay transactions by 10/1/10 to receive the bonus.  The  gift will be deposited into your account within 90 days of meeting requirements..

Click Here for the promotional page.

Well really every time you make a purchase with your Huntington Debit Card you’ll have the chance to win a $250 daily prize and a $10,000 grand prize. If you Register Now, you’ll be ready to go next time you use your card. Make your chances to win five times better by signing for your next purchase instead of using your PIN.  Good luck!
The sweepstakes ends 7/30/10 and if you don’t have a checking account, you can Sign Up Here.

Click Here for the promo page.

Below are a few fine print details:

•  $100 minimum opening deposit required to qualify for offer.
• Accounts opened online between 04/30/2010 and 05/31/2010 that establish a recurring payroll direct deposit by 06/30/2010 will receive $100 bonus.
• Bonus deposit will occur within 120 days of account opening in the checking account that receives the recurring payroll direct deposit.
• Account must be open at time of reward.

Click Here for the promo page.

Below are a few simple steps to obtain the bonus:

• Open a BB&T Checking Account
• Set up direct deposit or make 3 online bill payments
• Receive your bonus

Below are some fine print details from the Promotion Page:

• Available to new clients that open a new personal checking account by 6/06/10.
• Offer is limited to one incentive per household, and does not apply to second or multiple personal accounts
• The $100 account opening incentive will be deposited directly to your account within 4 weeks of meeting the above requirements

Click Here to read more about this bonus.

Here are the details:

1. Open a new personal checking account.
2. Establish a recurring monthly direct deposit. ($100)
3. Order your free Visa Check Card and make five qualifying purchases. ($25)
4. Make Online Bill Pay or direct debit transactions. ($25)
5. Open a Sandy Spring savings account and set up overdraft protection. ($25)
6. Leave your account open for a year. ($25)

For more details on this promo, Click Here.

Here’s how it works:

1. Open a new personal checking account.
2. Complete 10 signature debit card transactions.
3. Set up and receive $500 in direct deposits.
4. Enroll in Bill Pay.

 Complete all 4 steps above and earn $150.   You must open a new personal Free Checking account by 6/30/10 with a minimum of $50.  The bonuses will be credited to your NewAlliance personal checking account by 09/15/10.

Click Here for details!

Here’s how it works:

1. Open a qualifying checking account between April 26–June 30 (Worth $75)
2. Add one or all of the following services:
   •Comerica Web Bill Pay (Worth $75)
   •Comerica Check Card (Worth $75)
   •Direct Deposit ($75)
3. Register to start earning.

For more details, Click Here.  This offer is only available to new checking account customers only.  New checking accounts must remain open and active for at least 6 months and be in good standing at the time the bonus is paid.

Follow these steps to get your $50 bonus:

1. “Fill out our easy online application using Offer Code GROUP50.”
2. “Set up a qualifying Direct Deposit into your new checking account within 60 days.”
3. “Receive your $50 bonus directly deposited to your new checking account within 90 days once qualifications are met.”

Here are a few fine print details:

• You will receive your $50 credit to your new account within 90 days after opening your new personal checking account online and setting up direct deposit within 60 days of account opening.
• Offer valid only for new MyAccess Checking® accounts.
• The minimum opening deposit required for a MyAccess checking account is $25.
• You must use the Offer Code GROUP50 in order to qualify for this offer.
• The $50.00 credit will be directly deposited to your new checking account.

Click Here to learn more about this deal.

Even more, this account comes with a 1.25% APY and no minimum balance is required.  To qualify for the deal, you must keep your account open for 90 days.

Click Here to learn more about this deal.

Get your bonus in 3 easy steps:

1. Click on ‘Apply Now’ on the Promo Page.  Be sure to enter your reference code during the account opening process.
2. Activate your Electric Orange Debit MasterCard® and use it to make at least 3 signature-based purchases within 45 days of account opening.
3. Your $50 bonus will automatically be deposited into your account on day 50.

There is no deadline listed on the page, so its best to act fast if you’re in need of a checking account. Here’s the promo page.

A minimum deposit of $50 is required to open an account and the deal is only available to new customers.  If you have closed an account in the previous 12 months, then you aren’t eligible.

For those who already have a NBKC checking account, you can get a $50 gift card when you refer a friend.  Once they open their account, you receive your gift card.  Simply fill out This Form, and hand it out to a friend.  This is also only available until 4/24/10.

Click Here for the promo page.

• Make one KeyBank Rewards debit card transaction
• Combination of two direct deposits and/or automated payments each of $100 or more by July 2, 2010.
• Open a checking account by by April 30, 2010.

Here are a few fine print details:

• Your gift will be deposited into this account within 90 days of meeting requirements.
• There is a $20 annual fee for the KeyBank Rewards program that will be waived for the first year.
• Qualifying debit card transactions include signature, MasterCard PayPass and PIN-based purchases.
•  If you close your account within 180 days of account opening, you will be charged a $25 account early closure fee.

Click Here to visit the promo page.

Below are the details:

• Offer valid until 4/30/10.
• To qualify for the bonus you must open a new Chase Checking^SM account with a $100 minimum deposit of new money
• Within 60 days of account opening you must initiate a monthly direct deposit which includes payroll, pension, Social Security or other government benefits
• OR make five debit card purchases.
• The bonus will be automatically deposited into your new account within 10 business days after the initial direct deposit or five debit card purchases have posted to your account.

Click Here to access the promotion page.  You can either open an account online, or have a coupon emailed to you and open an account at a Local Branch.

Here are 3 steps to open your account:

1. Open your new MyAccess Checking account online with offer code CH75OL1.
2. Fund your new account with $125 within 30 days.
3. Receive your $75 within 90 days of account opening.

Here are some fine print details:

• This is a special offer to existing Bank of America credit card customers and only valid only for new MyAccess Checking® accounts.
• Limit one $75 incentive per household every 6 months.
• You must make all requirements within 30 days in order to qualify for this offer.

Click Here for the promo page.

You  must keep your account open for a minimum of 6 months.  Once you open your account, the bonus will be applied to your account.

Click Here to visit the promo page.

Below are a few fine print details:

• To qualify for your $50 bonus, you must open and fund a new personal Wells Fargo checking account with a minimum opening deposit of $100 by 5/31/2010.
• You will receive the $50 bonus within 30–45 days of account opening.
• Must bring coupon into a participating store to redeem.

Interested?  Click Here to learn more about this promo.

Here’s how it works:

1. Open an interest checking account with a minimum opening deposit of $100.
2. Setup a monthly direct deposit within 90 days of account opening or make at least five online bill payment transactions within 60 days of account opening.
3. Open a Harris Savings Account and activate the AutoSave feature.

Here are a few fine print details:

• $100 cash will be deposited into your new Harris personal Interest-Checking Account approximately 120 days after account opening
• $50 will be deposited into your savings account after Auto Save feature is activated
• No maintenance or transaction fees for account holders with a combined total of $20,000 or more in any qualifying Harris deposit accounts

To learn more about this deal, Click Here to access the promo page.

Below are a few details regarding the bonus:

• Customer must open a regular checking account in a Citibank Account, Citibank Everything Counts or Citigold® account relationship package by 03/31/2010 and deposit a minimum of $1000.
• Offer is not valid for existing Citibank checking customers.
• $100 will be deposited to your Citibank checking account within 120 days from the end of the statement period in which you met the qualifying requirements.

Click Here to read more about the Citibank $100 Checking Account Bonus.

Below are the requirements:

1. Sign up for direct deposit of your recurring net income source
2. Enroll in their free bill pay service and pay 2 bills in the first 60 days
3. Use a Crescent debit card to pay for 10 purchases within 60 days of account opening.

You must meet all 3 requirements  in order to obtain the $150 bonus.  You can also qualify for a $100 bonus if you meet only 2 of the requirements.  Also, Crescent Credit Union does offer a free checking account with no monthly fees or minimum balance requirements.

Membership is open to those who live or work in Plymouth, Bristol, Norfolk, or Barnstable counties in Massachusetts. A minimum balance of $25 in the savings account is required for membership.  Click Here for the promotion page.

Here are 3 steps to open your account:

1. Open your new MyAccess Checking account online with offer code CH75OL1.
2. Fund your new account with $125 within 30 days.
3. Receive your $75 within 90 days of account opening.

Here are some fine print details:

• This is a special offer to existing Bank of America credit card customers and only valid only for new MyAccess Checking® accounts.
• Limit one $75 incentive per household every 6 months.
• You must make all requirementswithin 30 days in order to qualify for this offer.

Click Here for the promo page.

1. Open an account online with at least $250.
2. Make 25 non-PIN debit card purchases within the first three months (90 days).

Once these two simple steps are completed, they will deposit the $50 bonus within 20 days. Click Here for more details.  Good Luck!

__________________________________________________________________________

But wait! Looks like PerkStreet is back with their $100 deal.  It requires a little more work than simply opening an account and keeping it active, but it’s still a pretty good deal.

Here are the specs:

• Open an account online with at least $25.
• Make two direct deposits of $500 or more each
• Make 25 non-PIN debit card purchases

Once the above requirements are met , you’ve got yourself $100 coming at you within the next 20 days.   The details for this bonus can be found on the lower right corner of This Page.

Here’s what you do:

1. Open a personal checking account
2. Set up automatic direct deposit into your checking account OR simply make 5 Check Card purchases within 60 days.

There is no specific dollar amount needed for the initial minimum opening deposit.  The bonus will be deposited to the new checking account within 90 days of account opening and you must keep your account open for at least 180 days or else you’ll get charged an early account closing fee.

Interested?  Click Here for all of the details.

Here’s the breakdown of the $400:

• Earn $75 when you sign up for Comerica Web Bill Pay.  With this service you can view all of your business account’s transactions and make bill payments online.
• Earn $100 when you sign up for the merchant card processing service.  In doing so, you are able to accept, capture and process card payments, quickly.
• Earn $75 when you sign up for Comerica Cash Management Services.  With this service you can mange your cash flow securely.
• Earn $100 when you sign up for a Comerica Business Check Card.  When you use this, you’ll earn points redeemable for gift cards, clothing, travel and more.
• Earn $50 when you sign up for a Comerica Business Credit Card.

To read the complete rules for this deal, Click Here.

Here’s how it works:

1. Get $50 when you activate direct deposit within 90 days of opening your account.  The bonus will be posted to you account after the first direct deposit is made.
2. Get $25 when you add overdraft protection.  This must be added to your account before the end of the month following your account opening.
3. Get $25 when you use M&T Web Bill Pay.  This must be added to your account before the end of the month following your account opening. 

If you’re interested in opening an M&T checking account, Click Here to read more information about this bonus.

Here are a few fine print details:

• Only signature-based purchases made after the Eligible Card is registered will be counted.
• Grocery purchase amount will be calculated based on total grocery purchases during the Offer Period, including tax, and will not be calculated until the conclusion of the Offer Period.
• Purchases made at such superstores, warehouse clubs or discount stores are not eligible.
• The $10 TD Bank Gift Card will be mailed to the address associated with the Eligible Cardholder’s account.
• Limit 5 ($10) TD Bank Gift Cards per eligible card during the offer period.

In addition to the $10 back you’ll be getting, you’ll also be entered to win their Daily Debit Dash bonus of $500.  Click Here to learn more about how to sign up.

To get the first $50, you’ll just need to open an account, make three bill payments through SunTrust Online Banking with Bill Pay within the next two calendar months.  To get the remaining $100 bonus, maintain this account for the next 3 consecutive months.

Click Here to access the details for this bank deal.

1. Sign up for Online Bill Pay & Pay at least 5 bills online every 30 days for 3 months.
2. sign up for payroll Direct Deposit & receive your first payroll direct deposit within 30 days of account opening.

Each online payment you make must be at least $25.  Click Here to access the promo page.

Below are details from the Bonus Page:

• Open any new personal checking account, and either establish one monthly recurring direct deposit of at least $250 to your new account or pay 10 bills online and receive a $100 bonus.
• The first recurring direct deposit must be posted to your account within 60 calendar days of your account opening date.
• The 10 bill payments must occur within 60 calendar days of your account opening date.
• Bonus will be credited to your account within 60 days after satisfaction of conditions.
• Offer valid for a new personal checking account opened from 1/11/10–2/19/10.

Click Here for more details about this promotion.

Here are a few fine print details:

• You must make 5 qualifying purchases with your M&I Bank Check Card within the first 45 days after account opening.
• The $100 cash bonus will be paid within 2 weeks of that review if the requirement above has been met.
• Offer applies to new accounts opened with new money.

Click Here for the Promo Page.

Below are the required steps mentioned on the promo page to obtain the bonus:

1. Click ‘Apply Now’.
2. Open your Electric Orange.
3. Activate your Electric Orange MasterCard Debit Card.
4. Use your Electric Orange Card to make at least 3 signature-based purchases in the first 45 days after your account has been opened.
5. Your $50 bonus will be automatically deposited into your Electric Orange 50 days after your account has been opened.

Click Here to read more about the ING $50 Bonus.

As with most account bonuses, you’ll have to set up direct deposit and make a minimum opening deposit of $50.  The first direct deposit must post to your account within 90 days of account opening.  You will receive a $300 credit to your checking account approximately 6-8 weeks after the end of the promotion.

Click Here to to visit the promo page.

Here are a few benefits of opening a Thrivent Rewards Checking account:

• Free unlimited online bill-pays per month.
• Free access to all of your financial accounts online through one easy-to-use tool – FinanceWorks.
• Free automatic transfers.

The promotion is available nationwide, just call 800-688-6031 and mention Checking1109.  Click Here for the promo page.

Establish 2 of the following services, and you’re on your way to an extra $200:

• 3 Online bill payments
• Monthly direct deposits
• 5 debit card purchases

You can call, 800-818-6060, or visit a Local Branch to open an account.  Click Here for the promo page.

The requirements are the same:

•  Get your first $100:
  Establish a monthly direct deposit of at least $400 and having 10 check card purchases in the first 60 days of the account.
• Get your second $100:
  In addition to maintaining your direct deposit, complete an additional 25 check card purchases by 3/31/2010.
• Get your third $100:
  Maintain your monthly direct deposit and complete an additional 25 Check Card purchases by 5/31/2010.

Since you have to open the account at a Local Branch, the promotion is only available to residents of FL, IL, IN, KY, MI, MO, OH, PA and WI.  This promotion is not advertised on their website, however, you can view the ad Here or call (888) 622-4932 for more ionformation.

You can check out the rest of their rates Here.  Below are a few things to note:

• If you’re thinking about opening an account, you can open one by phone, at a branch, by mail and via online banking. 
• In order to open a CD, you must be a member with a minimum $5 balance in the savings account.
• You may withdraw the dividends earned on the Certificate without incurring a penalty.
• There is a 10 day grace period at maturity.

Alliant Credit Union also has another deal going on for all checking account holders.  When you sign up to use Online Bill Pay, which is free, you’re automatically entered to win either $1,000, $500 or $250.  The more bills you pay, the more chances you have to win.  The winners will be randomly selected on 1/15/2010.  You can learn more about this promotion Here.

Here’s how to get your bonus:

• $50 for setting up direct deposit of $50 or more
• $25 for making 5 online bill payments
• $25 for making 5 signature-based debit card or credit card purchases

The requirements must be met by 12/31/09, and the bonus will be payed out by 2/27/2010.  Click Here to access the promotion page.