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Interest rates at FDIC-insured banks remain at an all-time low. I've tracked 10 bank deals
rates for more than a decade on sites such as 
Magnify Money and Consumerism Commentary. Back in the day rates of 5.00% or more were common. It may take us years to get back to those levels.

Banks, however, still want to attract your savings dollars. One way they do that is with cash bonus offers. Some financial institutions offer hundreds of dollars in promotions to get your business.

Here are some of today’s best bank deals, along with what you'll need to do to qualify for the bonus offer (Disclosure: Chase Bank is an advertiser on my finance blog).

1. TD Bank Premier Checking ($300)

A step down from the offer above, this TD Bank Convenience Checking account gives half the bonus but with only a fifth of the requirement.

Once you open the new checking account, you’ll need to set up direct deposits totaling $500 or more, to be received into the account within the first 60 days.

To avoid the $15 monthly maintenance fee, you’ll need to keep a minimum daily balance of $100.

  •  Minimum deposit: $500 in direct deposits within 60 days
  •  Other requirement(s): None
  •  Where to apply: Online
  •  Bonus timeframe: Allow 95 days for the bonus to appear in your account once you’ve completed all steps
  •  Account fees: Yes, $15. Fees are waived if you maintain a $100 daily balance

3. Chase Premier Plus Checking ($300)

Open a new Chase Premier Plus checking account and you’ll receive a $300 bonus. You can either apply online for this new account or print an online coupon to carry into your local branch.

You’ll need to deposit a minimum of $25 into the account within the first 60 days of opening, as well as establish direct deposit. Once you’ve completed these steps, you should see your $300 bonus in the account in about 10 business days.

You should note that the Premier Plus checking account does have a $25 monthly service fee, if your average daily balance across all Chase accounts (checking, savings, etc) is less than $15,000. Another way to waive this fee is to set up autopay from the account to your qualifying Chase mortgage.

  •  Minimum deposit: $25 in the first 60 days
  •  Other requirement(s): Set up direct deposit to the account
  •  Where to apply: Online or in-branch (after printing online coupon to carry in)
  •  Bonus timeframe: Within 10 business days
  •  Account fees: Yes, $25 monthly. This fee is waived if you keep an average daily balance of $15,000 or more between all Chase accounts, or set up auto-pay to your qualifying Chase mortgage.

4. Chase Total Checking ($200) 

This offer can be combined with #5 below, for a total of $350 in bonuses.

Open a new Chase Total Checking account and get a $200 bonus added to your account. 

You’ll need to open the new account at your local Chase branch (after signing up to receive the online coupon by email) and deposit $25 or more. Then, have a direct deposit made into the account within the first 60 days, and you’ll get your bonus within 10 business days.

The Chase Total Checking accounts have a $12 service fee. This fee is waived if one of the following is met each billing cycle: A) Keep a minimum daily balance of $1,500 or more in the account, B) Have monthly direct deposits totaling $500 or more made into the account, or C) Hold an average beginning daily balance of at least $5,000 in any combination of qualifying and linked Chase accounts (checking, savings, etc). 

  •  Minimum deposit: $25
  •  Other requirement(s): Receive a direct deposit into the account within 60 days
  •  Where to apply: In-branch after signing up and receiving an email coupon for the offer
  •  Bonus timeframe: 10 business days
  •  Account fees: Yes, $12 monthly fee. This is waived with a minimum daily balance of $1,500+, monthly direct deposits of $500+, or a total of $5,000 held in qualifying and linked Chase accounts.

5. Chase Savings ($150)

Open a new Chase Savings account and snag a $150 bonus, in addition to other Chase bonus offers.

After signing up online to receive an email coupon, visit your local Chase branch (coupon in hand) to open your new Chase Savings account. Deposit $10,000 or more in new money (no transfers from existing Chase accounts) in the first 10 business days. Then, maintain a $10,000 balance for a minimum of 90 days.

Once the 90 days has passed and you’ve maintained the balance requirements, your $150 balance will be added to the account in 10 business days or less.

Chase Savings accounts have a $5 monthly service fee. This fee is waived if one of the following is met each billing cycle: A) Keep a minimum daily balance of $300 or more in the account, B) Have at least one repeating automatic transfer of $25+ made into the account from your Chase personal checking account, or C) Have a linked Chase Premier Platinum Checking or Chase Private Client Checking account.

  •  Minimum deposit: $10,000
  •  Other requirement(s): Maintain a $10,000+ balance for a minimum of 90 days
  •  Where to apply: In-branch after signing up and receiving an email coupon for the offer
  •  Bonus timeframe: 10 business days after maintaining the balance for 90 days
  •  Account fees: Yes, $5 monthly fee. This is waived with a minimum daily balance of $300+, monthly auto-transfers from a Chase personal checking account of $25+, or also holding a Premier Platinum Checking or Private Client Checking account through Chase.

6. Capital One 360 Checking + Money Market ($200 + $200 = $400)

If you’re a new Capital One 360 customer, you can earn up to $400 in cash bonuses. Simply open a new 360 Checking account online before September 30, 2017 and deposit a minimum of $1,000. Accept their account terms and conditions, and receive a $200 bonus in your account in approximately 10 weeks.

Get $300 for opening a new TD Bank Premier Checking account. 

You’ll need to open the account online. Then, you need to set up direct deposits totaling at least $2,500 to be received into the account within the first 60 days. 

You should note that the Premier Checking account has a $25 monthly service fee, which is waived if you maintain a $2,500 minimum daily balance.

  •  Minimum deposit: $2,500 in direct deposits within 60 days
  •  Other requirement(s): None
  •  Where to apply: Online
  •  Bonus timeframe: Allow 95 days for the bonus to appear in your account once you’ve completed all steps
  •  Account fees: Yes, $25. Fees are waived if you maintain a $2,500 daily balance

2. TD Bank Convenience Checking ($150)

If you want to double your bonus earnings, you can also open a 360 Money Market account online and deposit another $1,000 there. After accepting those account terms and conditions, you’ll get another $200 bonus in your account in approximately 10 weeks.

There are no fees or minimum balance requirements for Capital One 360 Checking accounts.

  •  Minimum deposit: $1,000
  •  Other requirement(s): Accept account terms and conditions online
  •  Where to apply: Online
  •  Bonus timeframe: 10 weeks
  •  Account fees: There are no fees or minimum balance requirements on 360 accounts

7. PNC Performance Select Checking ($300)

PNC is offering a handful of great bonuses right now, with the first being the opportunity to earn $300 off of a new checking account. *Note that you can only be considered for one PNC bonus.

Open a new Performance Select Checking through PNC and establish direct deposits totaling $5,000 or more to the new account within the first 60 days. During that same timeframe, make a minimum of 10 purchases with your new PNC Visa®  debit card.

Performance Select Checking carries with it a monthly fee of $25. This fee is waived if one of the following is met: A) $5,000+ in qualifying direct deposits is made into the account each billing cycle, B) You hold a total average monthly balance of $5,000+ between this account and linked checking accounts, or C) You hold a combined monthly average balance of $25,000+ in PNC consumer deposits or investments.

  •  Minimum deposit: $$5,000 in direct deposits in the first 60 days
  •  Other requirement(s): Make 10 purchases with your linked Visa debit card within the first 60 days
  •  Where to apply: Online or in branch
  •  Bonus timeframe: 60 days or less, after all conditions have been met
  •  Account fees: $25 monthly fee. This fee is waived if you have $5,000+ in monthly direct deposits, hold an average balance of $5,000+ between your linked PNC checking accounts, or hold a combined average balance of $25,000+ between PNC consumer deposits and investments.

8. PNC Virtual Wallet®  with Performance Spend ($200)

 

This is one of a number of PNC bonuses on this list. If the Performance Select Checking (above) isn’t right for you, the next step down -- the Performance Spend -- might be perfect.

In order to earn this bonus, you’ll need to open a new Virtual Wallet with Performance Spend, which is actually comprised of three separate accounts. It includes a spend account (or primary checking), a reserve account (for short-term savings), and a growth account (for long-term savings). You’ll earn interest on your growth account, and you can manage all three in one place, making your banking more convenient.

Once you open the accounts, you’ll need to establish direct deposits totaling $2,000 or more within the first 60 days. You’ll also need to make 10 purchases from your new PNC Visa® card in that same timeframe. Then, you’ll see your $200 bonus added to the account about 60 days later.

Virtual Wallet with Performance Spend has a monthly fee of $15. This fee is waived if one of the following is met: A) $2,000+ in qualifying direct deposits is made into the account each billing cycle, B) You hold a total average monthly balance of $2,000+ in Spend and Reserve, or C) You hold a combined monthly average balance of $15,000+ in PNC consumer deposits, loans, or investments.

  •  Minimum deposit: $2,000 in direct deposits in the first 60 days
  •  Other requirement(s): Make 10 purchases with your linked Visa debit card within the first 60 days
  •  Where to apply: Online or in branch
  •  Bonus timeframe: 60 days or less, after all conditions have been met
  •  Account fees: $15 monthly fee. This fee is waived if you have $2,000+ in monthly direct deposits, hold an average balance of $2,000+ in Spend and Reserve, or hold a combined average balance of $15,000+ between PNC consumer deposits, loans, and investments.

9. PNC Performance Checking ($200)

If the Virtual Wallet with Performance Spend is more your style, but you don’t need that many new financial products, the PNC Performance Checking bonus may be the best bet. It’s the same bonus amount ($200), but you’ll only need to open one checking account to qualify.

To get the bonus, simply open a new PNC Performance Checking account, online or in a branch. Set up direct deposits totaling $2,000 or more within the first 60 days, and also make 10 purchases from your new PNC Visa® debit card within that same timeframe. Once you’ve met those requirements, your bonus will be added to the account within 60 days. 

You should note the Performance Checking account has a monthly fee of $15. This can be waived if one of the following is met: A) $2,000+ in qualifying direct deposits is made into the account each billing cycle, B) You hold a total average monthly balance of $2,000+ in the checking account, or C) You hold a combined monthly average balance of $15,000+ in PNC consumer deposits, loans, or investments.

  •  Minimum deposit: $2,000 in direct deposits in the first 60 days
  •  Other requirement(s): Make 10 purchases with your linked Visa debit card within the first 60 days
  •  Where to apply: Online or in branch
  •  Bonus timeframe: 60 days or less, after all conditions have been met
  •  Account fees: $15 monthly fee. This fee is waived if you have $2,000+ in monthly direct deposits, hold an average balance of $2,000+ in your checking account, or hold a combined average balance of $15,000+ between PNC consumer deposits, loans, and investments.

10. Bank of America Checking ($100)

If you’re a new Bank of America checking account customer, you can snag a $100 bonus just for opening an account.

This is an online-only offer and is set to expire on December 31, 2017. Once you open the account, you must establish at least two qualifying direct deposits ($250 or more each), within the first 90 days of opening. Then, you’ll see your $100 bonus added to the account in a few weeks. 

You should note that the two available accounts -- Core Checking® and Interest Checking® -- have monthly maintenance fees of $25 and $12, respectively. 

For Core Checking®, this fee is waived if you A) Have at least one qualifying direct deposit of $250+ into the account each month, B) Maintain a minimum daily balance of $1,500+, or C) Are a student under 24 who is enrolled in high school, college, university, or a vocational program.

For Interest Checking®, this fee is waived if you maintain a combined balance of $10,000+ between eligible linked savings, checking, or money market accounts; CDs and IRAs; and current balances in Merrill Edge® and Merrill Lynch® investment accounts.

  •  Minimum deposit: $500+ through two eligible direct deposits of $250 each, within the first 90 days of account opening
  •  Other requirement(s): None
  •  Where to apply: Online only
  •  Bonus timeframe: 60-90 days after meeting requirements
  •  Account fees: Yes, $12 or $25, depending on account type, which can be waived

The above bank bonuses can and do change frequently. And be sure to confirm the terms and conditions of any offer directly with the financial institution. You can check out a regularly updated list of bank promotions on my blog, DoughRoller.net.

This article originally published on Forbes.com by Rob Berger

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