Top Bank Account Incentives for July 2025
In the ever-evolving world of banking, savings account bonuses continue to entice new customers. Here's a roundup of some of the best offers available in July 2025:
Citi Savings Account offers up to a $2,000 bonus with a large deposit requirement, providing an effective 8.6% APY for the best bonus tier. No direct deposit is required, and a soft credit pull is involved [1].
Capital One Savings provides a $1,500 bonus for a $100,000 deposit. The account has a decent interest rate, does not require direct deposit, and involves a soft credit pull if overdraft protection is opted out [1].
E*Trade Savings offers a $750 bonus with a $75,000 deposit and a quick turnaround (around 45 days of fund holding), making it publicly available [1][3].
Discover Savings Account offers a bonus ranging from $150 to $200 requiring a deposit between $15,000 and $25,000. Cumulative deposits count, with a soft credit pull and no credit card funding allowed [1][3].
Laurel Road Savings provides a $200 bonus with funds needing to be in the account only on day 90 after opening, involving a soft pull, and no credit card funding [1].
Regional offers in Florida, such as Seacoast Bank and Community Credit Union of Florida, offer $200 bonuses on new online savings accounts with a $15,000 minimum deposit maintained for about 90 days, with specific promo codes required [2].
Other smaller bonuses include Waterstone Bank in Wisconsin offering $100 with $10,000+ deposit, and Alliant Credit Union ($100 after one year with monthly deposits) [1][3].
These bonuses require varying deposit amounts generally ranging from $10,000 to $100,000, typically with balance maintenance periods from 45 to 90 days. Most offers involve a soft credit pull and do not allow funding via credit cards.
Citi’s $2,000 and Capital One’s $1,500 bonuses stand out as top promotions for high deposit amounts, while E*Trade and Discover provide strong mid-tier bonuses with lower deposit requirements [1][3].
For the most updated detailed terms, it is advisable to check the respective bank’s websites or dedicated bank bonus sites like Doctor of Credit and Bankrate as offers can change quickly.
Besides these, several other banks offer attractive bonuses. For instance, Morgan Stanley Private Bank offers up to $750 by opening a new Premium Savings Account and funding it with new money [1].
USAA Federal Savings Bank offers a $200 bonus by opening USAA’s Performance First Savings Account and depositing $15,000 or more within your first 30 days [1].
TD Bank offers $200 by opening a new TD Signature Savings or TD Simple Savings account [1].
Alliant Credit Union offers $100 after a year by making monthly deposits into the Ultimate Opportunity Savings Account [1][3].
Other banks like BMO Bank, PNC Bank, Chase, M&T Bank, and Wells Fargo also have attractive savings account bonus offers [1][2][3].
Remember, each bank's terms and conditions may vary, so it's essential to review them carefully before applying. Happy banking!
[1] - https://www.doctorofcredit.com/ [2] - https://www.bankrate.com/ [3] - https://www.nerdwallet.com/
- In the vast finance industry, personal-finance websites like Doctor of Credit and Bankrate provide valuable information on competitive savings account bonuses offered by banks.
- Besides the notable bonuses from Citi, Capital One, E*Trade, Discover, and USAA, other banks such as Morgan Stanley Private Bank, TD Bank, Alliant Credit Union, BMO Bank, PNC Bank, Chase, M&T Bank, and Wells Fargo also have appealing savings account offers.
- For business owners seeking to boost their business-related savings, they might also find attractive banking-and-insurance offers from institutions like Morgan Stanley Private Bank and USAA Federal Savings Bank.
