2018년 5월 은행계좌 신설 보너스 금액

미국에서 계좌를 생성할때, 특별한 보너스 오퍼(Cash bonus)들이 있습니다.

한국에서는 계좌를 만든다고, 특별한 캐쉬백 같은 경우가 없는데, 

미국은 계좌를 유지하는데, 돈이 들기에 이런 프로모션(?)들이 있는 것 같습니다.

(미국 계좌는 유지 월비용이 드든데, 해당 부분을 납부하지 않는 방법들이 있긴 합니다.)

2018/06/20 - [미국Life] - 은행별 계좌 유지비 비용 Bank Account Fees

현재 HSBC가 가장 많은 보너스를 주는 것 같습니다. 그러나, HSBC은행이 주위에 찾기가 힘들정도로 많이 없다는 것이 함정(?)이죠.

 

참고로 주의 사항은 

해당 계좌를 얼마 기간동안 유지하고 있어야 하는지.(언제까지 없애면 안되는지.)
은행에 Monthly Fee(월간 계좌 서비스비용)을 잘 확인해 봐야 합니다.

Best Bank Account Bonuses and Offers May 2018

https://www.nerdwallet.com/blog/banking/best-bank-bonuses-promotions/#hsbc

체이스 체크어카운트는 월급(direct deposit)이 있어야 하며, 6개월 유지하고 있어야 합니다.

참고로 저도 이 방법으로 캐쉬를 받았죠.

추가로 크레딧 카드를 만들면, 20,000포인트(현금$200과 동일)을 준다고 해서 만들었었죠.

그리고, 세이빙 통장를 통해서 특정 금액을 특정기간 저축해두면 받는 캐쉬백도 받았죠. 이 통장 또한 6개월정도 유지해줘야 하는 걸로 기억합니다.

(참고) 2018/05/23 - [미국Life] - 계좌 개설로 Cash back받기+미국 Credit Card 만들기

Chase Total Checking®: $200 bonus

NerdWallet has rated this bank:

    

Best checking bonus: through July 16, 2018

LEARN MORE

at Chase,

Member, FDIC

• What you’ll get: $200
• How to get it: Open a Chase Total Checking® account online or in person using a coupon emailed to you through the promotion page. Fund with at least $25. You must have a direct deposit into the account within 60 days. The account must remain open for six months.
• Where to open: The account can be opened online or at a Chase branch (find a location near you). These can be found mostly in the Northeast, on the West Coast and in parts of the Midwest, Texas and Florida.
• How to qualify: You must not have had a Chase checking account within the past 90 days, had one closed with a negative balance, or have a fiduciary account.
• When you’ll get it: The bonus will be deposited into your account in no more than 10 business days after your first direct deposit.
• Monthly fee: $12, avoided by having monthly direct deposits of $500 or more, a minimum daily balance of $1,500, or keeping a daily average balance of $5,000 in your Chase Total Checking® and qualifying linked Chase bank accounts.

» Want to see how Chase stacks up? Read NerdWallet’s review of Chase Bank

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Bank of America Core Checking or Interest Checking: $100 bonus

NerdWallet has rated this bank:

    

Through May 31, 2018

READ REVIEW

• What you’ll get: $100
• How to get it: Open a Bank of America Core Checking or Interest Checking account through Bank of America’s online offer page by May 31, 2018. Set up direct deposit and receive two or more installments of at least $250 within the first 90 days of opening. Your account must be open on the day the bonus is paid.
• Where to open: Online only.
• How to qualify: You must not already have had a personal checking account with Bank of America within the last six months in order to qualify. Since the bonus may be considered taxable income, you won’t be qualified for the bonus until you submit required tax forms.
• When you’ll get it: Bank of America will deposit the $100 bonus into your account within 60 days; If they are unable to, they’ll send you a check.
• Monthly fee: 
  • Core Checking: $12, avoided with one or more direct deposits of $250 or more each statement cycle or a minimum daily balance of $1,500. Free for students under age 24.
  • Interest Checking: $25, avoided by keeping at least $10,000 across all eligible Bank of America and Merrill Lynch banking and investing accounts.

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Chase SavingsSM: $150 bonus

NerdWallet has rated this bank:

    

Best savings bonus: through July 16, 2018

LEARN MORE

at Chase,

Member, FDIC

• What you’ll get: $150
• How to get it: Open a Chase SavingsSM account online or in person using a coupon emailed to you through the promotion page. Fund the account with at least $10,000 in new money within 10 business days. Maintain a balance of at least $10,000 for 90 days. The account must remain open for six months.
• Where to open: The account can be opened online or at a Chase branch (find a location near you). These can be found mostly in the Northeast, on the West Coast and in parts of the Midwest, Texas and Florida.
• How to qualify: You must not have had a Chase SavingsSM account within the past 90 days, had one closed with a negative balance, or have a fiduciary account.
• When you’ll get it: Chase will deposit your bonus into your account within approximately 10 days.
• Monthly fee: $5, avoided with maintaining a daily minimum balance of $300, having one or more repeating automatic transfer of $25 from your Chase personal checking account, or having a linked premium Chase checking account. Free for those under 18 years old.

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» Avoid monthly fees with your checking account: Check out the best free checking accounts of 2018

Others bonuses to consider

These bank promotions didn’t quite make our list of favorites. Typically, these accounts have:

• Stiffer qualification requirements for the bonus
• Lower bonus amounts for comparable requirements and accounts
• High minimum balance requirements

Be sure you read the fine print if you click through. Here they are:

Discover Online Savings: $150 or $200 bonus

NerdWallet has rated this bank:

    

Through June 4, 2018

LEARN MORE

at Discover,

Member, FDIC

• What you’ll get:  $150 or $200
• How to get it: Open a Discover Online Savings Account using offer code NW518 by June 4, 2018. Deposit at least $15,000 into your new account for a $150 bonus, or $25,000 for $200, by June 18, 2018.
• Where to open: Online or by phone.
• How to qualify: You cannot currently have a Discover savings account, or any savings account that is co-branded or is an affinity account provided by Discover, or have had one in the past.
• When you’ll get it: You’ll get your bonus by July 2, 2018.
• Monthly maintenance fee: No monthly maintenance fee.

+ Bonus offer details from Discover

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» Sign-up bonuses aren’t the only rewards offered by banks. See the best rewards checking accounts of 2018

Capital One 360 Money Market: $100

NerdWallet has rated this bank:

    

Until June 30, 2018

READ REVIEW

• What you’ll get: $100
• How to get it: Open a 360 Money Market account and fund it with at least $20,000 no later than June 30, 2018. Funds must be new to Capital One and deposited within 10 days of account opening. You must maintain the balance for at least 90 days.
• Where to open: Online only.
• How to qualify: You can’t have, or have had a Capital One savings product after January 1, 2016. Higher bonus offers are available for those who maintain higher balances, starting at $40,000.
• When you’ll get it: Approximately 60 days after you maintain your balance in your account for 90 days.
• Monthly fee: None.

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Chase Premier Plus CheckingSM: $300 bonus

NerdWallet has rated this bank:

    

Until July 16, 2018

LEARN MORE

at Chase,

Member, FDIC

• What you’ll get: $300
• How to get it: Open a Chase Premier Plus CheckingSM account online or in person using a coupon emailed to you through the promotion page. Fund the account with at least $25 and have a direct deposit within 60 days. The account must remain open for six months.
• Where to open: The account can be opened online or at a Chase branch (find a location near you). These can be found mostly in the Northeast, on the West Coast and in parts of the Midwest, Texas and Florida.
• How to qualify: You must not have had a Chase checking account within the past 90 days, had one closed with a negative balance, or have a fiduciary account.
• When you’ll get it: Your bonus will be deposited within 10 days of your direct deposit.
• Monthly fee: $25, avoided with an average daily balance of at least $15,000 across linked deposit and investment accounts, or by having automatic payments to a linked Chase mortgage.

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HSBC Choice Checking or Advance Checking: $200 or $350

Through June 29, 2018

LEARN MORE

at HSBC,

Member, FDIC

• What you’ll get: 
  • Choice Checking: $200
  • Advance Checking: $350
• How to get it:
  • Choice Checking: Open a new HSBC Choice Checking account through HSBC’s promotional page and deposit at least $1,500 across all HSBC checking and savings accounts within 30 days of creating your new account. Funds must be new to HSBC and maintained for at least 90 calendar days.
  • Advance Checking: Open a new HSBC Advance Checking account through HSBC’s promotional page. Deposit at least $10,000 across all HSBC checking and savings accounts within 30 days of creating your new account. Funds must be new to HSBC and maintained for at least 90 calendar days.
• How to qualify: You must not have had any HSBC consumer bank account from March 30, 2017, to March 30, 2018, to qualify for either offer. Your account must be open and in good standing at the time you receive the bonus.
• When you’ll get it: Your bonus will be deposited in your new account roughly eight weeks after you meet all the qualification requirements.
• Monthly fee: 
  • Choice Checking: $15, avoided by having $1,500 across your HSBC deposit and investment balances, or having a direct deposit at least once a statement cycle.
  • Advance Checking: $25, avoided by maintaining $10,000 across your HSBC deposit and investment accounts, or at least $5,000 with at least one recurring direct deposit per monthly cycle.
  + Bonus offer information from HSBC

  
  

  
  
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TD뱅크는 캐나다 은행인데, HSBC처럼, 미국에서는 참 보기 힘든 은행중에 하나입니다.

TD Bank Convenience or Premier checking account: $150 or $300 bonus

NerdWallet has rated this bank:

    

No expiration date listed

LEARN MORE

at TD Bank,

Member, FDIC

• What you’ll get: $150 or $300
• How to get it: 
  • To earn $150, open a TD Convenience account and receive cumulative direct deposits of at least $500 within 60 days of opening the account. To have the $15 monthly fee waived, maintain a minimum daily balance of $100.
  • To earn $300, open a TD Premier account and receive cumulative direct deposits of at least $2,500 within 60 days of opening the account. To have the $25 monthly fee waived, maintain a minimum daily balance of $2,500.
• Where to open: Online. You must be a resident of Connecticut, Delaware, Florida, Maine, Maryland, Massachusetts, New Hampshire, New Jersey, New York, North Carolina, Pennsylvania, Rhode Island, South Carolina, Vermont, Virginia or Washington, D.C.
• How to qualify: To qualify, you must be a new TD Bank checking customer.
• When you’ll get it: Your bonus will be paid no later than 95 days after you open the account.
• Monthly fee: 
  • TD Convenience Checking: $15, waived with a minimum daily balance of $100
  • TD Premier Checking: $25, waived with a minimum daily balance of $2,500

» Want to see how TD Bank stacks up? Read NerdWallet’s review of TD Bank

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Connexus Credit Union Xtraordinary or MyRewards Checking: $50 bonus

NerdWallet has rated this bank:

    

Through May 6th, 2018

LEARN MORE

at Connexus Credit Union,

Federally insured by the NCUA

• What you’ll get: $50
• How to get it: Open a Connexus Credit Union Xtraordinary or MyRewards checking account before May 6th, 2018 using code SWITCH50. You’ll need a $500 opening minimum balance and have a direct deposit post to your account within 45 days after you open it.
• Where to open: Online only.
• How to qualify: You must become a member of the credit union to join, which you can do by paying a $5 one-time fee to the Connexus Association. You must not currently have a Connexus Credit Union checking account or have had one closed on March 5th, 2018 onwards.
• When you’ll get it: You’ll get your bonus within 45 days of the first direct deposit posted to your account.
• Monthly fee: 
  • Xtraordinary Checking: $5 inactivity fee, avoided with account activity and an account balance over $100 at the end of the month.
  • MyRewards Checking: $5 inactivity fee, avoided with account activity and an account balance over $100 at the end of the month.

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Amboy Direct eSavings account: $50 bonus

No expiration date listed

LEARN MORE

at Amboy Direct,

Member, FDIC

• What you’ll get: $50
• How to get it: Go to the Amboy Direct website and sign up with your email to receive a bonus reference code. Enter the code you received via email when you apply for an eSavings account. Keep a monthly average balance of at least $3,000 for 90 days in your account.
• Where to open: Online only.
• When you’ll get it: The bonus will be credited to you in the next statement cycle.
• Monthly fee: No monthly fee.

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PNC Bank Virtual Wallet checking: $50, $200 or $300 bonus

NerdWallet has rated this bank:

    

Through June 30, 2018

LEARN MORE

at PNC,

Member, FDIC

• What you’ll get: $50, $200 or $300
• How to get it: Your bonus amount depends on the type of account you open. Options include a Virtual Wallet account, a Virtual Wallet with Performance Spend account or a Virtual Wallet with Performance Select account. Direct deposits must total at least $500, $2,000 or $5,000 per month, depending on which account you’ve signed up for, within 60 days of opening. You must also make at least 10 purchases with your PNC Bank Visa debit card.
• How to qualify: To qualify, you must not have had a PNC account within the past 90 days or received a PNC promotional payment within the past 12 months.
• When you’ll get it: Your bonus will be deposited within 60 days after all criteria has been met.
• Where to open: Online only. Offer available to residents of Alabama, Delaware, Florida, Georgia, Illinois, Indiana, Kentucky, Maryland, Michigan, Missouri, New Jersey, New York, North Carolina, Ohio, Pennsylvania, South Carolina, Virginia, West Virginia, Wisconsin and the District of Columbia.

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Santander Bank checking: $150 bonus

NerdWallet has rated this bank:

    

Through June 30, 2018

LEARN MORE

at Santander Bank, National Association,

Member, FDIC

• What you’ll get: $150
• How to get it: Open a Santander checking account online using promo code DIGBONUSA5J, or at a branch using the coupon you got emailed to you from the promotional page. Qualifying checking accounts include Simply Right Checking, Santander Basic Checking and Santander Premier Plus Checking. Post direct deposits totaling at least $1,000 within 90 days of opening the account, and keep it open for at least that long.
• Where to open: Online or at a branch. Offer available to residents of Connecticut, Delaware, Massachusetts, New Hampshire, New Jersey, New York, Pennsylvania and Rhode Island.
• How to qualify: To qualify, you must not currently have a Santander checking account or have had one in the last 12 months.
• When you’ll get it: Your bonus will be deposited within 30 days after you meet the criteria.
• Monthly fee: 
  • Simply Right Checking: $10, waived by making any transaction into or out of the account in the calendar month.
  • Basic Checking: $3, fee can’t be waived.
  • Premier Plus Checking: $35, waive by keeping at least $75,000 across eligible deposit and investment accounts, or receive $6,000 in total direct deposits.

» MORE: NerdWallet’s review of Santander Bank

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SunTrust Bank checking: $250 or $500 bonus

Through July 31, 2018

LEARN MORE

at SunTrust,

Member, FDIC

• What you’ll get: $250 or $500
• How to get it: Open a new account online using promo code Q218CHECKINGOL. You’ll get $250 for opening a Select Checking account or $500 for opening a Signature Advantage account. Deposit at least $100 into your new account within 14 days of opening. Post direct deposits of at least $1,000 into a Select Checking account or $2,000 into a Signature Advantage account within 60 days of opening. Make at least 10 debit card purchases within 60 days of opening either account.
• Where to open: Online only. Offer available to residents of Alabama, Arkansas, Florida, Georgia, Maryland, Mississippi, North Carolina, South Carolina, Tennessee, Virginia, West Virginia and the District of Columbia.
• How to qualify: You must not currently have a personal checking account with SunTrust or have had one on or since November 2, 2017.
• When you’ll get it: The bonus will be deposited eight weeks after you meet the requirements.
• Monthly fee: 
  • Select Checking: $15, waived if you receive $2,000 in direct deposits a month, keep a daily minimum of that amount in your Select Checking account, maintain $10,000 across all SunTrust accounts, or have other qualifying SunTrust products.
  • Signature Advantage: $25, waived if you hold at least $25,000 in total deposit balances.

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Fifth Third Bank Essential Checking: $250

LEARN MORE

at Fifth Third Bank,

Member, FDIC

NerdWallet has rated this bank:

    

 
Through June 30, 2018

• What you’ll get: $250
• How to get it: Enter your email on Fifth Third’s promotional page and bring the code you receive into any Fifth Third branch and open an Essential Checking account. Deposit at least $500 within 45 days and maintain that balance for 60 days.
• Where to open: Account must be opened at a Fifth Third branch.
• How to qualify: You must not have an existing checking or Express Banking account with Fifth Third, or have had one in the past 12 months.
• When you’ll get it: You’ll get the bonus within 10 business days of completing the requirements.
• Monthly fee: $11, waived with a balance of $1,500 across Fifth Third deposit and investment accounts, by spending at least $500 on a Fifth Third credit card, or by having another qualifying Fifth Third product. Charge reduced to $8 if you have monthly direct deposits of $500 or more.