Bank Accounts Online Bonuses: Key Requirements Up Front

If you’re exploring bank accounts online for value-added promotions (often structured as deposit-linked bonuses), the most important step is aligning your payroll or scheduled transfers with each bank’s qualifying direct deposit rules. This guide focuses on widely used bonus mechanics from major U.S. providers—covering account type, typical bonus condition thresholds, and how to set up verification accurately—while incorporating relevant keyword intent such as Bank Accounts Online, the term “12n” as it appears in your source context, and the broader concept of onboarding accounts through online flows.

In general, banks evaluate eligibility using event dates (when the direct deposit posts), deposit total calculations within a defined window, and whether the payer is coded as an eligible direct deposit source. Because promotional offers may change, you should confirm current terms on the official application page before submitting. Even if a banner looks the same from week to week, the “fine print” can update: the window length might shift, minimum qualifying deposit amounts might be redefined, or the list of excluded payment sources can be amended without long lead time.

Finally, it’s helpful to approach these promotions as a process rather than a single transaction. Qualification often depends on what the bank can verify in its ledger—meaning that you can technically do everything “right” but still miss a requirement due to posting delays, an incorrect payee entry, or an account-type mismatch.

Industry Context: Why Online Bank Onboarding Matters

Modern bank acquisition is increasingly digital: online checking account opening, electronic disclosures, and streamlined enrollment into account-linked promotions. From an industry perspective, this shift improves convenience for consumers but also raises the importance of precision—especially when a promotion requires multiple deposits within a specific number of days.

When a bank advertises a checking bonus (for example, a fixed amount credited after certain direct deposit activity), eligibility is usually determined by the posted transaction ledger—not merely by the timing of your instructions. That’s why setting up payments correctly (and verifying when funds actually post) becomes a core part of a successful qualification strategy.

There’s also a fraud and abuse-control dimension. Banks use direct deposit requirements because they represent ongoing payment behavior that is harder to fake than one-off external transfers. Digital onboarding makes account creation faster, but it doesn’t remove the need for evidence. In practice, the bank’s system must be able to confirm that a qualifying payment occurred. Therefore, your success depends on whether your employer (or payroll provider) sends a direct deposit that the bank codes as eligible, and whether the deposit posts within the promotional window.

In many cases, onboarding is “instant” from the user perspective. Yet the verification and posting journey for direct deposits is not instant; it follows ACH processing schedules, bank posting policies, and—when relevant—payroll calendar logic. So even if you open the account today and set up direct deposit tomorrow, the bonus timeline might not start until the first eligible deposit posts.

Major Banks at a Glance (Account Type vs. Bonus Condition)

The following table compares representative details included in the reference set you provided. It is designed to help you quickly scan which account is most aligned with your expected direct deposit pattern.

source: https://www.bankofamerica.com/deposits/checking/ ; https://accounts.chase.com/consumer/raf/online/rafoffers?key=1934238931 ; https://online.citi.com/US/ag/banking/checking-account ; https://www.wellsfargo.com/checking/ ; https://www.sofi.com/banking/ ; https://www.capitalone.com/bank/checking-accounts/online-checking-account/

Note: The table above summarizes the reference conditions you provided. Always verify promotional language in the official application flow, since eligibility criteria and timelines may update. Also note that banks sometimes change the “mechanics” without changing the headline bonus amount—for example, a promotion may still say “$300 bonus,” but the required deposit structure (one deposit vs. two deposits, eligible deposit types, or the minimum amount per deposit) can shift.

Step-by-Step: How to Qualify for Bank Account Bonuses (Detailed)

Below is a practical checklist-style approach for earning account-opening bonuses typically tied to direct deposits—common in Bank Accounts Online offers. Treat this as a qualification process rather than a one-time application step. The more you plan around ACH realities (timing, weekends, and posting behavior), the higher your odds of a smooth qualification.

1) Start with a realistic deposit plan

Before you open an account, take a moment to translate the promotion requirements into a timeline you can actually hit. Many people miss bonuses not because they lacked the total deposit amount, but because they didn’t align deposit posting events with the specific window.

• Map your expected direct deposit frequency (e.g., weekly, biweekly, or monthly).
• Estimate totals inside the promotion window (e.g., 75 or 90 days) rather than assuming payroll totals will automatically align.
• If a promotion requires two direct deposits (such as deposit-splitting rules in the reference set), ensure your schedule produces at least two qualifying postings within the window.
• Factor in pay cycle overlap: if your promotion starts after opening but before the first eligible deposit posts, your window might effectively begin slightly later than you expect.
• Consider partial pay periods: some payrolls produce smaller deposits (for example, during onboarding, PTO adjustments, or final pay events). Promotions with tiered or minimum-per-deposit rules (like “$500+”) require extra attention to these anomalies.

2) Choose the account type that matches the bonus mechanism

This step is crucial because promotions often specify a particular product (and sometimes exclude related accounts). A common pitfall is opening one account type but having your direct deposit land in a different container or not meeting the “checking” requirement exactly as described.

• Some accounts (like those marketed as “checking” variants) may be the eligibility-eligible product, while related accounts (like savings) can be non-qualifying for the direct deposit requirement.
• For example, when the reference indicates “Checking and Savings,” confirm whether the bonus is based on direct deposits landing in the checking component and whether internal transfers count.
• Watch for “account container” language: some banks track eligibility at the account-number level, not across all accounts under your profile.
• Verify the deposit destination matches the promotional account. If you have multiple routing/account numbers for the same bank, double-check you’re using the correct one.

3) Apply through the official online offer page and capture your offer

Bonuses attached to bank accounts online are often tied to an enrollment or tracking marker at application time. That’s why you should apply via the official promotion landing page and keep proof of the offer details.

• Open the account using the official online promotional page tied to the bonus.
• Save confirmation numbers and screenshots if the application indicates a promotional tracking mechanism.
• For offers requiring a promo code (e.g., REWARD250 in the reference set), enter it at the time the bank instructs—late entry may not link the bonus.
• Confirm the offer terms screen loads successfully: if the site errors or your browser blocks scripts, you may still be able to open the account but the bonus linkage might fail.
• Use consistent identity fields: when entering name, address, phone, and email, keep them aligned across the application and any subsequent onboarding forms. Discrepancies sometimes trigger compliance reviews that can delay or prevent bonus fulfillment.

4) Set up direct deposit correctly (and verify the destination)

The direct deposit setup stage is where many qualification attempts break down. Whether your payroll uses Workday, ADP, Paychex, or a manual process, you need the correct routing and account information and you need to confirm that your employer codes it as a direct deposit.

• Obtain your routing and account number inside the new account portal (or via the bank’s onboarding instructions).
• Update payroll or your payer’s direct deposit details.
• Confirm you are using the correct payee details—misrouting can lead to direct deposit rejection or deposit posting delays.
• Confirm the “account type” your employer expects: some payroll systems ask whether the deposit is for “checking” or “savings.” Match what the bank indicates for direct deposits.
• Request a test deposit if your payer supports it: not all employers allow test deposits, but where possible, a small initial payroll deposit can reduce the risk of missing your first qualifying deposit due to setup errors.
• Be mindful of payroll effective dates: your employer may say “changes will apply next pay cycle.” If you assume it applies immediately, you may lose the first one or two potential qualifying deposits.

5) Track deposit “posting dates,” not just “scheduled dates”

Promotion windows are typically measured by when the bank posts the transaction to your account ledger. Scheduled dates are often not the deciding factor. ACH arrival time and internal posting rules can shift the “posted” date, especially around weekends and holidays.

• Banks typically count the deposit based on when it posts to your account ledger.
• If your payer sends funds around a weekend/holiday, postings may shift—affecting whether deposits fall within the 75- or 90-day period.
• Review transaction history after each payroll cycle.
• Use the ledger timestamp when available: some banks show a posted date and a “transaction date.” When promotions mention “posted,” the posted date is the critical one.
• Watch for partial settlements: sometimes payroll can be split into multiple ACH entries depending on deductions or benefits changes. Each entry could be coded differently.

6) Keep documentation and avoid disqualifying behavior

Bonuses include eligibility and compliance terms that may disqualify accounts in certain scenarios. Many people focus only on the deposit requirement; however, terms may also require the account to remain open long enough for the bonus to be credited and/or to retain certain account status.

• Some promotions exclude accounts opened under certain statuses (e.g., prior customers). Read the eligibility section carefully.
• Avoid closing the account immediately after the bonus is earned; some banks require the account to remain open for bonus fulfillment.
• If terms mention direct deposit restrictions (e.g., excluding certain transfer types), adhere to them.
• Keep your identity verification info consistent: if additional verification is needed after account opening, respond promptly to prevent account limitations.
• Avoid unusual activity patterns: while your direct deposit is typically normal, aggressive transfers and rapid account closures sometimes flag the account for review. A review does not always deny the bonus, but it can delay it.

7) Confirm bonus timing and plan for any “processing lag”

Promotions commonly include a post-qualification period before the credit appears. Even if you meet the deposit requirement, the bonus credit may take additional time to process. The important thing is to understand how the bank communicates that timeline.

• Promotions commonly include a post-qualification period before the credit appears.
• Monitor the account for promotional credits under the bank’s transaction or statement notes.
• Check for “bonus pending” statuses: some banks show a pending credit before it fully posts.
• Save statements: if a bonus doesn’t arrive as expected, statements and transaction logs become useful for support inquiries.

8) Use the “12n” keyword context carefully

Your provided keyword set includes “12n.” In banking contexts, ambiguous tokens can refer to internal tracking, scheduling, or a shorthand used in promotional pages or user notes. From a risk-management perspective, treat “12n” as non-standard unless the specific bank’s terms or offer page defines it. If you encounter “12n” in an onboarding flow, capture the surrounding text and verify it against official terms to ensure it doesn’t indicate a deadline, verification type, or required enrollment step.

Because this token isn’t a universally standardized banking requirement like “direct deposit,” “ACH,” or “promo code,” you should not guess what it means. Instead, treat it as a clue that there may be an internal label for a particular step in the offer process. If you can’t confirm it through official documentation, take a screenshot or write down exactly where it appears (offer page, confirmation email, account portal banner, or a support note).

It may also be that “12n” appears in a user forum context unrelated to bank requirements. In that case, the safest path is to rely on official eligibility language rather than secondary interpretations.

How Banks Evaluate Eligibility: What Industry Experts Look For

From an industry viewpoint, direct deposit-linked bonuses are structured to minimize fraud while ensuring the deposit reflects genuine payroll or recurring payment activity. While exact rules vary by institution, the typical evaluation factors include:

• Qualifying transaction identification: The incoming deposit must be coded as an eligible direct deposit type.
• Posting date versus instruction date: The bank’s ledger determines whether the deposit falls within the specified 75/90-day period.
• Deposit total calculations: For tiers (e.g., $1,000 vs. $5,000), the credit usually follows the defined threshold.
• Counting by number of deposits: Some promotions require two or more direct deposits, not just one lump sum.
• Promo code tracking: Where applicable, the offer may require a code at application time (e.g., REWARD250 in the reference set).
• Payer eligibility: some banks exclude deposits from certain entities (for example, government benefits, payments routed through specific platforms, or unusual fund sources). This varies and is often described in the fine print.

To make these concepts more practical, consider a tiered promotion that requires “two $500+ direct deposits.” Even if your total deposits exceed the overall threshold (say, $1,200 total), the bank might not award the bonus if only one of the deposits clears the per-deposit minimum. Conversely, a promotion that requires “$1,000 total in direct deposits” might still qualify even if the deposits are smaller and more frequent, as long as the combined posted total falls within the window.

Additionally, industry compliance systems can treat certain behaviors as non-qualifying even when they look normal to consumers. For example, if a deposit is reversed, bounced, or later reversed due to payroll correction, the ledger may reflect a difference between the initial posting and the final outcome. Promotions are usually based on final posted, not temporarily visible transactions.

Practical Recommendations for Consumers (Objective and Actionable)

Not every customer has the same income cadence, so you should match the promotion to your real-world payroll pattern. Below are objective recommendations designed to reduce ambiguity and improve qualification odds.

• Compare promotions to your payroll schedule: If your income hits monthly, a “two deposits within 90 days” requirement may be harder than a “one deposit within 90 days” requirement.
• Prefer offers you can actually meet comfortably: If a tier requires $6,000 in 90 days and you cannot reliably reach it, consider an offer with lower threshold alignment.
• Keep a timeline: Create a simple calendar reminder for each deposit cycle and the date you anticipate your final qualifying posting.
• Use one deposit method consistently: Mixing sources can raise the risk that some transactions are not counted as qualifying direct deposits.
• Confirm account type: Ensure the offer terms are for the checking product you’re opening, not a different account category.
• Set an internal “verification habit”: after each payday, log into your bank and check the posted transaction. Don’t wait until the end of the promo window.
• Plan around holidays: if you know your payroll runs near major holidays, anticipate possible delays. In some cases, you may choose to postpone or accelerate internal actions (like when you move the direct deposit from the old account) to preserve qualifying postings.

Bonus Mechanics by Example: How the Requirements Translate

To clarify how different bonus mechanics work, it helps to translate the table requirements into scenarios. The following examples are not claims about the exact current offers, but demonstrations of how eligibility logic can function in practice.

Example A: “One direct deposit of any amount”

If a promotion says “at least one direct deposit of any amount within 90 days,” the qualification hurdle is mainly about ensuring that the first eligible deposit posts within the window. This can be easier for people with stable direct deposit at any size. The bigger risk becomes missing the first deposit window because payroll effective date applies later than expected.

Action steps for this scenario:

• Confirm when your direct deposit change takes effect with payroll.
• Verify the first direct deposit posts to the new account.
• Do not assume a scheduled date is the posted date; check the ledger.

Example B: “Two direct deposits totaling $6,000+ within 90 days”

This type of rule is more sensitive. You need both a sufficient combined total and the correct number of deposits. If your payroll is biweekly and your deposit amounts vary, you need to ensure the total across the correct two-plus postings is within the threshold.

Potential pitfalls:

• If one paycheck is unusually small (for example, a partial pay period), you might still reach $6,000+ total with more deposits, but the promotion may require exactly “two” qualifying deposits. Some banks count “at least two,” others specify exactly two; the fine print matters.
• If a payroll correction reverses a deposit, your final posted total might fall below the threshold.

Example C: “Two $500+ direct deposits within 75 days” with a promo code

This is a classic pattern for promotions that try to ensure meaningful engagement. It tests both the number of deposits and the minimum per-deposit amount. In addition, it introduces a promo code requirement, which makes timing and enrollment linkage critical.

Action steps for this scenario:

• Enter the promo code during application (for example, the reference set includes REWARD250).
• Make sure your first two qualifying paychecks meet the $500+ condition on the posted date.
• Plan around the 75-day window so that even if one deposit posts late, you still have a second qualifying deposit within the period.

Direct Deposit Verification: What to Check in Your Bank Portal

Because these promotions depend on posted direct deposits, it’s important to understand what you can confirm inside your account portal. While interfaces vary by bank, the core concept is consistent: you’re looking for evidence that the deposit is coded in a way the promotion recognizes.

• Look for “posted” deposits in your transaction history.
• Check whether the deposit is labeled as a direct deposit (some banks show a descriptor like “Direct Deposit” or show a specific transaction type).
• Confirm the deposit amount matches what you expect from payroll (and account for any deductions affecting the net pay).
• Save screenshots of the transaction details if there’s ambiguity.
• Monitor your offer status (if the bank provides a section for “promotions” or “bonuses”).

If your bank portal does not clearly indicate whether a deposit counts as “direct deposit,” your best method is to check the promotion’s official terms for what qualifies. In some cases, even if the portal doesn’t label the deposit as direct deposit, the bank’s internal system may still count it correctly. However, for tiered and per-deposit threshold promotions, having clarity is especially valuable.

Managing the Timing Challenge: Posting Delays, Weekends, and Holidays

One reason bonus promotions can feel unpredictable is the gap between the date you expect and the date the bank posts. ACH processing involves settlement and posting cycles, and your bank might post transactions earlier in the day, later in the day, or on the next business day.

To manage this, you can apply a simple timing framework:

• Assume the first deposit may be delayed if you just changed payroll settings.
• Plan to have “buffer time” so that your last qualifying deposit still posts before the window ends even if it shifts by a day or two.
• Track holiday-adjacent pay dates and check results sooner rather than later.
• Be cautious with “edge cases”: if the last deposit posts one day after the promotion window, qualification is uncertain. Some banks may enforce strict dates; others might be slightly more forgiving, but you should not assume forgiveness.

Another factor is payroll scheduling. If your employer runs payroll on Friday, but the ACH posts on Monday, the posted date might affect your window. Always validate with the posted transaction list.

Common Mistakes That Cause Bonus Failures

Many customers who “meet the deposit requirement” still end up disappointed because of avoidable mistakes. Here are the most common failure points to watch for.

• Not applying through the correct online offer page: If you apply directly from a generic page rather than the promotion landing page, the bonus may not be attached.
• Entering a promo code late or incorrectly: For codes like REWARD250, the application flow is often strict.
• Using the wrong routing/account number: Sometimes banks provide multiple account numbers; misrouting can lead to deposits posting to the wrong place or failing.
• Assuming scheduled deposit dates count: Bonuses usually evaluate the posted transaction ledger.
• Closing the account too early: Many offers require the account to remain open until the bonus is fulfilled.
• Relying on transfers instead of direct deposit: Promotions may explicitly require direct deposit and exclude other ACH transfers.
• Ignoring “at least” vs. “exactly” deposit language: Some rules specify two deposits; others allow additional deposits. Read carefully.
• Not responding to account verification requests: If compliance triggers additional verification and you don’t respond, the bank may restrict the account or delay bonuses.

FAQs

1) What does “direct deposit” mean for online checking bonuses?

In most cases, it refers to recurring electronic payments such as payroll deposited through the Automated Clearing House (ACH) system, where the bank codes the incoming transaction as an eligible direct deposit. Your best confirmation is to check the offer’s “eligible direct deposit” language on the official application page.

2) Do scheduled transfers or bank-to-bank ACH payments count?

Often, promotions distinguish between direct deposit and other ACH transfers. Some transfers may not be coded as qualifying direct deposits. To avoid uncertainty, rely on payroll or another payer explicitly treated as direct deposit under the promotion terms. If you’re considering alternative payers (like gig platforms or recurring bill-pay style transfers), check whether the offer’s fine print excludes certain sources.

3) If I meet the deposit requirement, when will the bonus appear?

Bonuses typically post after an additional processing period following qualification. The exact timeframe is stated in the offer terms. Monitor the account after your last qualifying posting, and check statements or transaction notes for the promotional credit.

If you don’t see the bonus within the stated timeframe, keep your evidence ready: screenshots of transactions, any confirmation emails, and the promotional offer terms you applied under. Then contact customer service using the channel the bank prefers for promotions or bonuses (some banks have a dedicated promotions help workflow).

4) Can I open multiple accounts at once to stack bonuses?

It may be possible, but you should evaluate whether each offer permits simultaneous qualification and whether there are limits, account eligibility restrictions, or rules about closing accounts too soon. The risk increases if you cannot confidently meet each promotion’s direct deposit conditions within its window.

Stacking also introduces a practical timing challenge: you might need to split direct deposit among multiple accounts, but promotions frequently require that deposits land specifically in the qualifying account. Splitting can work, but only if each account’s promotion rules are satisfied based on how your deposits are divided.

5) What should I do if a deposit posts late?

First, confirm the posted date in your ledger and compare it to the promotion timeline. If it misses the window by a small margin, eligibility outcomes may vary by bank. Review the specific offer terms and consider contacting customer service for guidance.

When contacting support, be specific and provide documentation. Include: (1) the deposit amount, (2) the posted date, (3) the promotion’s timeline window, and (4) confirmation you used the correct routing/account details. This often speeds up review.

6) What is “12n” in your article’s context?

“12n” was included as part of your keyword set. Because it is not a universally standardized banking term in direct deposit promotions, it should be treated as ambiguous unless the specific bank’s offer page explains it. If you see “12n” during onboarding, capture the exact surrounding text and verify it with the bank’s official guidance.

7) Are these bonuses available in all regions?

Bonuses can be limited by region or enrollment rules. Some banks restrict promotions to certain markets or require additional eligibility conditions. Always check the official offer page you are using.

Even within the same bank, promotions can vary by online path and by customer profile. If you’re seeing one offer in search results but a different offer in the application flow, the final “in-portal” offer terms generally matter more.

Reference Links and Source Consolidation

For convenience, the following links correspond to the official websites referenced in the comparison summary above and are provided to support verification of account type descriptions and promotional terms as captured in the reference set.

Deep Dive: Choosing Between “Any Amount” vs. “Minimum Per Deposit” Rules

Promotions vary not only by total threshold but also by how they treat the structure of deposits. Understanding the difference can help you choose the bank offer that best matches your payroll pattern and reduces risk.

Any amount rules

If a promotion accepts “any amount” for a direct deposit count, the structure requirement is usually easier. The key issue is mainly timing: you must ensure the deposit that counts posts within the window. Even a small payroll adjustment deposit could qualify if it is coded as direct deposit and posts in time.

Minimum-per-deposit rules

If a promotion requires deposits like “two $500+ direct deposits,” then your payroll net pay must be at least $500 on each qualifying posting date. If your paycheck sometimes dips below that level due to deductions, partial pay periods, or variable hours, you may need to adjust your expectation or choose a different offer with more flexible requirements.

In those cases, a common tactic is to identify upcoming payroll periods where your net pay will likely meet the per-deposit minimum. Another approach is to avoid splitting direct deposit into smaller chunks that cause one or more deposits to drop below the minimum.

Deposit count vs. deposit total rules

Some offers focus on deposit count (two deposits, etc.). Others focus on deposit totals within a window. Many combine both. If an offer combines both, your risk increases because you need to satisfy both constraints simultaneously. For example, you might hit the total threshold but not the minimum deposit count, or you might hit deposit count but not the total.

Deep Dive: Promo Code Sensitivity and Enrollment Linking

Some Bank Accounts Online promotions require a promo code, such as REWARD250 in the reference set. Promo code requirements matter because they often determine how the bank attaches the bonus to your customer profile.

Practical implications of promo code sensitivity include:

• Timing of code entry: enter the code during the application flow, not after the fact.
• Browser and page behavior: ensure the page that accepts the code loads correctly.
• Confirmation: verify that the code appears in your confirmation summary if the site provides that detail.
• Offer mismatch risk: if you accidentally apply to a different offer variant, the promo code might not attach to the intended promotion.

If you do not receive the bonus later, promo code linking is often the first thing support checks. Therefore, having the code entry record (or screenshots) can help resolve issues.

Deep Dive: Understanding “Eligible Direct Deposit” Language

Bank promotions typically include language defining eligible direct deposits. While payroll is the most common example, the exact definition varies. Eligible direct deposit definitions can include or exclude:

• Direct payroll from an employer
• Government benefits
• Retirement distributions
• Other recurring electronic payments

In many promotions, only specific deposit types count. Even if an incoming ACH transaction feels like “direct deposit” to you, the bank’s internal classification might differ. That’s why it’s important to rely on official offer language rather than assumptions.

When in doubt, review whether the promotion explicitly states “payroll” or “eligible direct deposit” and whether it mentions exclusions. If it lists exclusions, read them carefully. Some banks exclude payments from certain platforms or transactions that are not recurring payroll.

Deep Dive: What Happens After Qualification (Credit Posting, Processing, and Exceptions)

Once you meet the deposit requirement, the bonus credit may not appear immediately. Several operational steps typically occur:

• Eligibility is determined based on final posted deposits.
• The bank runs a qualification check across accounts enrolled in the offer.
• It schedules the bonus credit for a statement cycle or an internal payout period.
• It may validate that the account remains open and compliant.

Because of this, it’s possible to see deposits qualify and then still wait for the credit. It’s also possible that if deposits post but later reverse, the bonus might be withheld or delayed pending reassessment. Keeping track of the last qualifying deposit and monitoring for reversals can reduce surprises.

If your bonus doesn’t arrive, check:

• That you still have the enrolled promotion status or tracking indicator.
• That the account remained open as required.
• That the bonus was not credited to a different profile or account under the same customer.
• That there is no compliance or verification hold.

Disclaimer

1) The above information comes from online resources, and the data is as of October 2023.

2) The above information may vary over time and by region. It is advisable to check the official websites of banks or contact customer service for the most up-to-date information before opening an account. Additionally, some rewards may only be available in specific regions or may have other restrictions.

Reference Links

• https://www.bankofamerica.com/deposits/checking/
• https://accounts.chase.com/consumer/raf/online/rafoffers?key=1934238931
• https://online.citi.com/US/ag/banking/checking-account.
• https://www.wellsfargo.com/checking/
• https://www.sofi.com/banking/
• https://www.capitalone.com/bank/checking-accounts/online-checking-account/

All Links Used:

https://www.bankofamerica.com/deposits/checking/
https://accounts.chase.com/consumer/raf/online/rafoffers?key=1934238931
https://online.citi.com/US/ag/banking/checking-account.
https://www.wellsfargo.com/checking/
https://www.sofi.com/banking/
https://www.capitalone.com/bank/checking-accounts/online-checking-account/