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We help you find the most lucrative bank bonuses and referral programs in the US. Search by zip code or browse our nationwide directories to maximize your banking rewards.

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Home/Bank Bonuses/$200
Updated for September 2026

$200 Checking Account Bonuses

Compare 32 active checking promotions plus other $200 bank offers. Review eligibility, availability, and expiration dates before you apply.

All bank bonuses
Active $200 offers
Checking bonuses
Nationwide offers

Current promotions

Personal Checking — $200 bonuses

32 offers
BankBonusAvailabilityExpiresDetails
Lafayette Federal Credit Union

Bonus

$200

Availability

MD, D.C., VA

Expiration

Dec 31, 2026
See details
First Federal Bank

Bonus

$200

Availability

FL

Expiration

Sep 30, 2026
See details
City National Bank

Bonus

$200

Availability

OH, VA, WV

Expiration

Unspecified
See details
Varo Money

Bonus

$200

Availability

Nationwide

Expiration

Unspecified
See details
M&T Bank

Bonus

$200

Availability

CT, DC, DE, MA, MD, ME, NH, NJ, NY, PA, VA, VT, WV

Expiration

Sep 30, 2026
See details
DuPage Credit Union

Bonus

$200

Availability

IL, IN, MI, IA, WI, MO, KY

Expiration

Apr 2, 2028
See details
CODE Credit Union

Bonus

$200

Availability

OH

Expiration

Aug 31, 2026
See details
Texas Capital Bank

Bonus

$200

Availability

TX

Expiration

Aug 31, 2026
See details
Regent Bank

Bonus

$200

Availability

MO, OK, TX

Expiration

Unspecified
See details
BMI FCU

Bonus

$200

Availability

OH

Expiration

Sep 30, 2026
See details
Wescom

Bonus

$200

Availability

Los Angeles, San Bernardino, Orange, Riverside, San Diego, Ventura and Santa Barbara in CA

Expiration

Dec 31, 2026
See details
USF Federal Credit Union

Bonus

$200

Availability

FL

Expiration

Sep 30, 2026
See details
Darden Credit Union

Bonus

$200

Availability

Nationwide

Expiration

Sep 30, 2026
See details
Foothill Credit Union

Bonus

$200

Availability

CA

Expiration

Aug 31, 2026
See details
ENT Credit Union

Bonus

$200

Availability

CO

Expiration

Dec 31, 2026
See details
Washington Trust

Bonus

$200

Availability

RI

Expiration

Unspecified
See details
SunWest Credit Union

Bonus

$200

Availability

CO

Expiration

Dec 31, 2026
See details
First Community Bank

Bonus

$200

Availability

AR, MO

Expiration

Unspecified
See details
Metrum Community Credit Union

Bonus

$200

Availability

CO

Expiration

Unspecified
See details
CIBC US

Bonus

$200

Availability

IL, MI, MO, CA, FL & WI

Expiration

Dec 31, 2026
See details
Safe 1 Credit Union

Bonus

$200

Availability

CA

Expiration

Unspecified
See details
America’s Credit Union

Bonus

$200

Availability

TX

Expiration

Unspecified
See details
Bank of Luxemburg

Bonus

$200

Availability

WI

Expiration

Unspecified
See details
1st Advantage Federal Credit Union

Bonus

$200

Availability

VA, NC

Expiration

Unspecified
See details
Premier America Credit Union

Bonus

$200

Availability

CA & TX

Expiration

Unspecified
See details
Arapahoe Credit Union

Bonus

$200

Availability

CO

Expiration

Unspecified
See details
Bravera Bank

Bonus

$200

Availability

ND, MT

Expiration

Unspecified
See details
Hanmi Bank

Bonus

$200

Availability

CA, IL, NJ, NY, TX, VA

Expiration

Dec 31, 2026
See details
Freedom Credit Union

Bonus

$200

Availability

PA

Expiration

Unspecified
See details
Bank Independent

Bonus

$200

Availability

AL

Expiration

Unspecified
See details
Community First Credit Union

Bonus

$200

Availability

FL

Expiration

Unspecified
See details
Horizon Credit Union

Bonus

$200

Availability

WA, ID, MT, OR

Expiration

Unspecified
See details

Current promotions

Savings & CD — $200 bonuses

2 offers
BankBonusAvailabilityExpiresDetails
Barclays Bank

Bonus

$200

Availability

Nationwide

Expiration

Oct 30, 2026
See details
TD Bank

Bonus

$200

Availability

CT, DC, DE, FL, MD, ME, MA, NC, NH, NJ, NY, PA, RI, SC, VT, & VA

Expiration

Sep 30, 2026
See details

Current promotions

Credit Card — $200 bonuses

1 offer
BankBonusAvailabilityExpiresDetails
American Express Blue Cash

Bonus

$200

Availability

Nationwide

Expiration

Unspecified
See details

Current promotions

Personal Credit Card — $200 bonuses

1 offer
BankBonusAvailabilityExpiresDetails
Bilt

Bonus

$200

Availability

Nationwide

Expiration

Unspecified
See details

Bonus guide

How to compare $200 bank bonuses

A headline bonus is only one part of the offer. Compare the required direct deposit, monthly fee, geographic eligibility, early account closure rules, and how long the bank takes to pay. A slightly smaller bonus may be the better choice when its requirements are easier to complete.

Check the timing

Note the application deadline, qualifying window, and expected bonus payment date.

Review account costs

Make sure monthly fees and minimum balances do not reduce the value of the bonus.

Confirm eligibility

Regional banks may require you to live, work, or visit a branch within their service area.

Frequently asked questions

How do I earn a $200 checking account bonus?

Most $200 checking bonuses require opening an eligible new account and completing qualifying direct deposits within a stated period. Always confirm the bank's current terms before applying.

Are $200 bank bonuses available nationwide?

Some offers are nationwide, while regional banks and credit unions may limit eligibility by state, county, employer, or membership group. Each listing shows the latest availability recorded by BankBonusWizard.

Are bank account bonuses taxable?

Bank account bonuses are generally reported as interest income in the United States. Banks may issue a Form 1099-INT. Consult a tax professional for advice about your situation.

Explore more offers

Popular bonus amounts

$250$300$400$500$600$1000