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Home/Bank Bonuses/$400

Updated for October 2026

$400 Checking Account Bonuses

Compare 40 active checking promotions plus other $400 bank offers. Review eligibility, availability, and expiration dates before you apply.

All bank bonuses

Active $400 offers

Checking bonuses

Nationwide offers

Current promotions

Personal Checking — $400 bonuses

37 offers

BankBonusAvailabilityExpires

Bonus

$400

Availability

Expiration

Bonus

$400

Availability

Expiration

Navy Federal Credit Union

Bonus

$400

Availability

Expiration

Bonus

$400

Availability

Expiration

Bonus

$400

Availability

Expiration

4Front Credit Union

Bonus

$400

Availability

Expiration

Addition Financial

Bonus

$400

Availability

Expiration

Bonus

$400

Availability

Expiration

Bonus

$400

Availability

Expiration

Bonus

$400

Availability

OR, WA, CA & ID

Expiration

Bar Harbor Bank & Trust

Bonus

$400

Availability

Expiration

Canyon View Credit Union

Bonus

$400

Availability

Expiration

Cobalt Credit Union

Bonus

$400

Availability

Expiration

Community State Bank

Bonus

$400

Availability

Expiration

CommunityAmerica Credit Union

Bonus

$400

Availability

Expiration

Connect Credit Union

Bonus

$400

Availability

Expiration

Consolidated Community Credit Union

Bonus

$400

Availability

Expiration

Bonus

$400

Availability

KS, MO, AR, OK, NE

Expiration

First Commonwealth Bank

Bonus

$400

Availability

PA, OH, IN, KY, or WV

Expiration

Bonus

$400

Availability

DE, DC, MD, NJ, PA, & VA

Expiration

Bonus

$400

Availability

Expiration

Huntington Bank

Bonus

$400

Availability

OH, MI, IN, PA, KY, WV, IL, CO, MN, SD, WI, NC, TX

Expiration

iTHINK Financial

Bonus

$400

Availability

Expiration

Metro Credit Union

Bonus

$400

Availability

Expiration

MIDFLORIDA Credit Union

Bonus

$400

Availability

Expiration

North Shore Bank

Bonus

$400

Availability

Expiration

Bonus

$400

Availability

Expiration

Bonus

$400

Availability

Expiration

Penn Community Bank

Bonus

$400

Availability

Expiration

Purdue Federal Credit Union

Bonus

$400

Availability

Expiration

Bonus

$400

Availability

AL, AR, FL, GA, IL, IN, IA, KY, LA, MS, MO, NC, SC, TN & TX

Expiration

Bonus

$400

Availability

FL, IN, KY, OH & TN

Expiration

Royal Credit Union

Bonus

$400

Availability

Expiration

Union Savings Bank

Bonus

$400

Availability

Expiration

Bonus

$400

Availability

Expiration

Bonus

$400

Availability

Expiration

Bonus

$400

Availability

Expiration

Current promotions

Business Checking — $400 bonuses

3 offers

BankBonusAvailabilityExpires

Bar Harbor Bank & Trust

Bonus

$400

Availability

Expiration

Bonus

$400

Availability

Expiration

South State Bank

Bonus

$400

Availability

GA, NC, SC, VA, FL, AL

Expiration

Current promotions

Savings & CD — $400 bonuses

2 offers

BankBonusAvailabilityExpires

Bonus

$400

Availability

Expiration

Bonus

$400

Availability

OR, WA, CA & ID

Expiration

Current promotions

Credit Card — $400 bonuses

1 offer

BankBonusAvailabilityExpires

Bonus

$400

Availability

Expiration

Bonus guide

How to compare $400 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 $400 checking account bonus?

Most $400 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 $400 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

$200 $250 $300 $500 $600 $1000