Best Bank Bonuses — June 2026 (One Pays 81% APY!)

[00:00:00]Hello there beautiful people. This is Nathaniel with the Fat Stacks Academy and today we are going to be going over the best bank account bonuses for June 2026.

[00:00:08]I'm sorry I've been away for a little bit, but I found some really good ones for you this month and I can't wait to get into them. So with that out of the way, let's get into bonus number one and start stacking. All right, the first bonus I want to talk with you guys about is the Capital One $300 checking account bonus. If you want to follow along, I'll leave a link to this article right in the description. I'm going to start posting every single month so you can see the requirements and do this as I go through it just in case there's something that you missed. This one just increased from $250 a couple days ago.

[00:00:39]This is a checking account bonus that requires direct deposit, but it's one of the easiest ones to hit because it's such a low threshold. So you need a total of $1,000 worth of direct deposit and at least two direct deposits. So you need at least 500 each for each one of those. You have 75 days from when you open the account to meet that threshold and the bonus posts within 135 days. A lot of data points show that it happens a lot quicker than that. The cool down on this account is approximately 36 months. Cool down means basically after you close the account, how long again before you can get the bonus. This one is kind of up in the air. Capital One's a little finicky on their checking account. I've never been able to churn this one personally because the date keeps kind of getting pushed back. On this website here for this article, I also went through a lot of the recent data points for what worked as direct deposit if you're not able to route your paycheck for this one. So employer payroll works, government social security works, and then these other accounts per the data points have had a lot of recent success. So a Schwab ACH push, Fidelity, Ally, Chase, SoFi. I used my own employer payroll, but per the data points on Doctor of Credit and other sources, these are ones that are working. You need to pause the screen or go to the link in the description and you'll find this article. Another nice thing about this account is there are no early termination fees and no monthly fees to speak of. So, you can get this bonus, take the money out, and not worry about there being a random fee that causes an overdraft or otherwise. I'm just going to click on it here, so you can see the official page. As always, the links to all of these bonuses will be in the description, as well. So, it's up to $300, up from $250. It's one of the easiest ones to get. And the next bonus I want to go over with you is the $300 American Express Rewards checking account bonus. This is elevated from $200 a couple of months ago and is worth considering now. It's also for $300, but it requires quite a bit more in direct deposits. This I actually got earlier this year, but it was only $250 and it elevated and came out again recently. It was a really easy one to hit. I actually was able to do it without using my employer payroll, and I'll talk about how I did that in just a moment. So, this is their $300 checking bonus. The requirements on this are kind of hefty.

[00:02:57]You have to hit $7,500 worth of direct deposit with 90 days. Bonus posts in 84 days. In my case, it was a week or two later after that second direct deposit hit. This one is also for $300. You need to direct deposit $7,500 total within 90 days of opening the account and you need to hit at least two direct deposits. So, if you're going to split this up in only two, divide 7,500 by two and space them about 2 weeks apart, so it looks like it and get the bonus. One important thing to be eligible for this one, though, is you actually have to have had an American Express credit card within 5 days of opening this account. So, as long as you're a current Amex customer and have had, say, the Blue Cash Preferred, Amex Gold, you're eligible for this bonus. Here is the landing page for it. It is expiring on July 30th, 2026, so get on this as soon as you can.

[00:03:51]Really good, no fees to open, no monthly fees, and no minimum balance requirements. One cool thing about this checking account is you actually get a little bit of cheddar in there. Usually with like a Chase account, they have like a 0.01% and you might get a penny or two every single month. This is actually 1% APY, which is better than most checking accounts. But, the reason I got it was just for that at the time $250 bonus. I'm a little jealous of all of you who haven't gotten it yet because it has been raised to $300. As always, this bonus will be linked in the description directly to the page.

[00:04:21]Something you can do that I created on this website recently is if you don't like using spreadsheets, you can make a free account with my program Stacks OS.

[00:04:30]You can track the bonus in that account and it will basically give you a hero card for it. So, I just added it here and I went to my Stacks OS account and whenever you go to the paycheck section, what this does is it gives you a nice fancy hero card to be able to work through it. So, say you open the account, you hit up your direct deposit requirements, and then you can add your little however many hit your account to make sure that they went through, and then it gives you the fees, there's none in this case, the direct deposits, all in one nice little dashboard, and you can actually track all of the bonuses you're working on. And what's really cool is I already have this article here, so it just pre-fills everything out for you. The free version of the account, there is a paid one, but with the free one, I made this one because I just hated using spreadsheets and I think this is a lot more pleasant to work with and it helps you keep track of everything and gives you the requirements in an easy checklist. All right, the next bonus I want to talk to you guys about is a savings bonus disguised as a checking bonus. This is the Chase Total Checking account and you can get up to $900 depending on how much you deposit. So, you can either do $450 or $900 and we'll go over the difference here. So, if you deposit $5,000 and leave the account in there for about 90 days, they will give you a $450 bonus.

[00:05:51]If you do the math on that, that's a 25.3% effective APY, which is just insane if you want to factor it that way. Another bonus for $600, and that's if you deposit $10,000, and that is a 16.8% effective APY. If you have enough money in your savings laying around and you're wanting to maximize it, obviously this 16.8% is going to be way higher than your 3% or so. The only downside is you have to keep in mind that you will not have the flexibility over 90 days if you want to maintain the bonus. So, if you're expecting some expenses over the next 90 days that you might have to remove it from, it might be worth going for the lower tier, but if you have quite a bit more laying around, it's worth going for the higher tier in my opinion. The other thing is this does burn up your slot for your Chase checking account. Chase checking accounts you can churn every 24 months, so if you already got this bonus from a deposit bonus, you may not be eligible anymore. You have to check the date from when you last got that bonus. The $15 a month fee, but if you're doing it this way, that is going to be waived because you only need a $1,500 daily balance.

[00:06:58]And if you're even going for the minimum bonus, you're going to have $5,000 in there. So, this is just an alternative to the normal Chase checking bonus. You can act as a savings bonus and make a little bit more than the direct deposit one. So, just kind of a cool way to get this one separate from the other one. As always, the link will be in the description. I will open the official page here so that you can see what it looks like. This link will also be in there, and you can see the different tiers right here. All right, and the next bonus I want to go over is the E*TRADE savings bonus. Just go to the main page you can see what it looks like. Right now, there is a promotional 4% APY on the account for 6 months when you sign up, plus a cash bonus. The way you get this bonus is you open it with the promo code. You make a deposit of it. You make a deposit of at least $20,000 within the first 30 days of account opening and then maintain your balance for an additional 45 days to get $100 bonus. I really like this one because not only are you getting the $400 bonus, it's a very competitive APY for that 6 months. I think it goes down to like 3.2, 3.3% after 6 months. If you're not wanting to do anything too crazy with your savings over 6 months, it's a solid place to put it. This offer expires on September 30th. So, jump on that as always. You can track this in Stacks OS. It's a free account and it will give you the deadlines on a nice hero card. You just click it right on the article, go to your Stacks OS account and this one's a savings bonus.

[00:08:25]So, you will see it right here and it'll give you a nice little flow for getting this bonus as well as tracking all of your other ones. So, as it shows in the article here, this is actually an effective 12.6 effective APY on your savings. So, this is another really solid one to go for. Say if you didn't qualify for the Chase one because you've done that one again recently, you can get a nice bonus on your savings this month. All right, and the next bonus I'm going to talk to you guys about is the SoFi Invest account. Right now, when you open the account and deposit $100, they will give you a free stock worth up to $1,000. From what I've seen with most people, that is not very common.

[00:09:04]Probably going to be somewhere in the $3 to $20 range. But, the way to make this a lot more lucrative is to apply to this through one of these shopping portals.

[00:09:16]So, I like to use Rakuten. It's already screaming at me right now. You could make an extra 5,000 points, $50 that they will give you. If you have this as a browser extension, you can click activate. But, if you do not, what you do, I'll leave a link in the description for this. You just go to rakuten.com and find this SoFi Invest and you just click on it through the portal. So, you just have to deposit $100 within the first 45 days. So, it's about a 90 or less day bonus. And Rakuten pays you directly that 50 bucks or so. I've seen this go as high as $150 recently, so worth checking over the next few days to see if you can get it a little bit higher.

[00:09:57]These portal bonuses tend to fluctuate.

[00:09:59]There's a full article with everything to look for and how to stack the portal bonus on Fatsacks Academy. com. I'll leave that link in the description as well as the ability to track this bonus in StocksS and it will tell you basically what you have to do to get that bonus. I have it in mind right now.

[00:10:17]I'm actually going to open it a little bit later. It basically helps you make sure you hit all your deadlines and track all of your other bonuses in one place. All right, and the last bonus is a business checking account that functions a lot like a savings account and you can earn either $400 or This one is only valid until the end of the month, June 30th, 2026. So, if you want to get this one, I would jump on it as quickly as possible. This one I like a lot because you only need $2,000 to earn $400 and you leave it in there for three statement cycles, so about 90 days. The other thing you have to do to get this $400 is to make 10 total qualifying transactions. Those are pretty simple. It's just an ACH transfer going in and out of your account. That's what I'm probably going to do. I'll have one of my other business accounts remove it to and from five or six times and to meet that 10 account minimum. You have to have a $500 average monthly collected balance in this account to not have to pay the fee or link a PNC business credit card and make a minimum of $500 in eligible purchases or maintain a linked merchant account and generate a minimum of $500 in qualifying monthly processing deposits. So, what I would do to maximize this bonus is to basically push at least $500 into this account for all three statement cycles. You can even work that in with these 10 transactions that you have to make to instead of paying $12 a month, pay $0 a month. And after about 90 days, you'll be eligible for this $400 bonus. This one is you can turn in this one every 12 months. So, this is one worth jumping on cuz PNC is pretty generous with all of their bonuses. What I like the most about this is this insane 81.1% effective APY on this bonus. It is the best one if you have a business or a side hustle and you can apply as a sole proprietor, you effectively get an percent return on your money over 90 days at a $400 bonus. If you have more laying around, there's also the $1,000 bonus and that is for a 13.5% effective APY. This one, however, is a slightly different offer. You have to open a Treasury Enterprise Enterprise plan and maintain for $30,000.

[00:12:43]And this account has a $50 or $0 monthly account maintenance fee and it's a bit more. You have to have a lot of cash flow in here to avoid that $25, $50 a month fee. That covers June. I will be coming out with my favorite credit card offers in the coming days. So, subscribe and stay tuned for that. If you want a place to track all of your bonuses, I built a free tracker on Stacks OS and there's also a paid version where instead of watching these videos and doing a bunch of research, you just put your information in and it gives you all of the bonuses that you qualify for and ranks them in the order of profitability. Check that out on the website if you're interested and I'll see you guys in the next one.