TL;DR: 撸银行账户的开户奖励，选无monthly fee的，省时省心、性价比更高！
银行账户的服务费主要分为两类：monthly fee和early termination fee。我是个懒人，所以不想操心这些费用：（1）monthly fee要求我必须在账户里维持一个minimum required balance and/or 每个月进行DD、转账/fake DD、消费等，大大增加了我对非主力银行账户的管理成本；（2）early termination fee同理，要求我对这些账户持续管理一定时间，期间持续进行这些操作以keep the accounts active。
其中，收early termination fee的账户是少数；而因为要维持minimum required balance且checking大多数没有利息，monthly fee则会产生较高的机会成本。
例如，某checking账户APY=0，minimum required balance=$1500 to waive monthly fee；而一个比较常见的savings账户APY=3.75%。那么一年损失的利息约为（pre-tax）$65.25，相当于每个月交了$4.69 monthly fee。
vs 2024：而一个比较常见的savings账户APY=4.35%。那么一年损失的利息约为（pre-tax）$65.25，相当于每个月交了$5.44 monthly fee。
当然有些账户虽然有early termination fee但是没有monthly fee，一般保险起见可以维持账户90、180、甚至365天，并且等到查收到tax document，以免bonus被claw back或给报税造成困难。
大部分谭友可能还是会用Fidelity或者top 10作为DD、bill pay、mortgage/loan pay的主力银行；以下列举和筛选出一些fake DD比较容易的（e.g., Chase, Fidelity, Schwab, etc.）非主力/“一次性”银行/CU账户来撸开户奖励。这里主要是全国性和state specific的银行和CU，一些local的大家可以自己找一找。
Note
Jan2025：年初很多offer都过期了，所以最近可撸的银行比较少，等过些日子再补充。
$0 monthly fee checking
BMO Smart Advantage Checking: $300, $4,000 DD （DP表示fake DD比较难）（Limited Time Checking Account Bonus Offer (Up to $350) - BMO)
Captital One 360 Checking: $300 (code: OFFER300)，2x$500 DD，（史高$400） ($250 360 Checking Bonus Offer | Capital One)
SoFi Checking: $300 + $250 via Rakuten, $5,000 DD (“Best Online Bank of 2025” Award Winner | SoFi Banking)
KeyBank Key Smart Checking：史高$300,$1,000 DD [AK, CO, CT, ID, IN, MA, ME, MI, NY, OH, OR, PA, UT, VT, or WA] (https://www.key.com/personal/checking/checking-accounts-options.html)
Associated Bank Access Checking: up tp $600 (=18% APY) [IA, IL, IN, KS, MI, MN, MO, OH, WI] ($600 Offer on New Checking Account | Associated Bank)
SECU Total™ Checking & Rewards：$350, 2xDD [DC, DE, PA, VA, WV, MD] (https://www.secumd.org/promo/welcome_to_your_last_checking_account/)
Flagstar Ready Checking：$300, $500 DD [AZ, CA, FL, IN, MI, NJ, NY, OH, WI] (https://www.flagstar.com/promo/retail/checking-cash-offer.html) / FYI: Flagstar旗下的My Banking Direct Savings仍然有4.55% APY (as of 1/6/25), https://www.mybankingdirect.com/
$0 monthly fee checking with low min balance【2025更新】
现在利率降了，维持$500的balance等效1-2刀月费，所以加入一些low min balance的checking
BofA SafeBalance Banking Checking: $300, $2,000 DD, min balance $500 (=$1.56 monthly fee) ($300 New Checking Offer | Bank of America)
Wells Fargo Checking: $325, $1,000 DD, min balance $500 (=$1.56 monthly fee) (https://accountoffers.wellsfargo.com/welcomebonus/)
Citi Regular Checking: $325/$450, $3,000/$6,000 EDD, $250 EDD/month (Choose your bonus with a new Citi® checking account | Citi.com)
Truist One Checking: $400, $1,000 DD, min balance $500 (=$1.56 monthly fee) (Open Checking)
U.S. Bank Smartly® Checking: $450, $8,000 DD (easy fake DD: Chase/Fidelity/Discover…) min balance $1,500 （不建议） or 持有U.S. Bank credit card （建议）(Earn a checking bonus | U.S. Bank)
==================== Checking / Savings 分割线 ====================
$0 monthly fee savings
Live Oak Bank: $300, $20K deposit (Personal Savings | Earn $300 Cash Bonus | Live Oak Bank) (Note: 4.20% APY)
Discover Savings: $150/$200, $15K/$25K deposit Discover Savings 银行账户【2024.8 更新：$150/$200 开户奖励；老用户targeted充值奖励】 - 美国信用卡指南)
Capital One 360 Savings: $300/$750/$1,500, $20K/$50K/$100K deposit (360 Performance Savings Bonus | Capital One)
Comprehensive Guide to Fake DD：DoC有比较全的DP for fake DD，供大家参考
Reference:
- 最新银行账户开户奖励汇总【2025.2 更新】 - 美国信用卡指南
- 什么是 Direct Deposit (DD) - 美国信用卡指南
- Best Bank Account Bonuses For February, 2025 - Doctor Of Credit
- A Beginners Guide To Bank Account Bonuses [2025 Update] - Doctor Of Credit
- How Many Bank Accounts Can I Safely Open Within A Year For Bank Bonus Purposes? - Doctor Of Credit
2024 Archive
Checking
Ally Spending (Checking) account: $100 via Swagbucks, 史高$200
WECU Spend Safe and Spend Free Checking: [WA] $100 (Join now and get $250 with Spend Plus Checking)
Fifth Third Momentum® Checking: $325 [FL,GA,IL,IN,KY,MI,NC,OH,TN,WV,SC] (https://www.53.com/content/fifth-third/en/mkg/checking-offer.html)
Service Credit Union: $200/500 (https://servicecu.org/get-up-to-500/)
Upgrade Rewards Checking: 暂无，史高$300 (造福泥潭，upgrade 秒开 300 bonus + swagbucks 12k，Fidelity/Chase 可 Fake DD，Bonus一周内到账，2 月 29 截止，快冲！) / $200 via referral
Affinity Federal Credit Union: $100 via referal (Affinity Federal Credit Union | Checking)
United States Senate Federal Credit Union: [VA] up to $500 (USSFCU | Washington, D.C., Capitol Hill, Alexandria, Virginia)
Citizens Bank Personal Checking: [CT,DE,MA,MI,NH,NJ,NY,OH,PA,RI,VT,VA,D.C.,MD,FL] $400 (https://www.citizensbank.com/promo/checking/special-offer-2024-a2.aspx)
Central Bank Checking: [OK,IL,KS,MO,CO] $300 (Refer-A-Friend | Central Bank)
Premier Bank Simple Checking: [OH,MI,IN,PA] $200 (https://www.yourpremierbank.com/simple200)
KeyPoint Checking: [CA] $300 (code: DD23) (https://kpcu.com/LPs/DD23)
Citadel Credit Union Free Checking: [PA] $300 (code:JAN243008) (https://www.citadelbanking.com/campaigns/digital-media/012024-checking-300-social)
Savings
