Best Bank Account Bonuses This Week, Nov. 16, 2025

Some bank bonuses are good… and then some come with a little extra sparkle. ✨

If you're sitting on a big chunk of cash -- say $30,000+ -- this is one of those weeks worth paying attention to.

The Barclays Tiered Savings account is offering a sweet bonus and an APY that's way higher than what most big banks are paying. You earn the bonus up front, and then your money keeps making money. That's the real kicker.

Every week, my team and I dig through dozens of bank promos to find the easiest wins, the highest payouts, and the offers that don't bury you in fine print. Here are this week's best bank bonuses worth a look.

Top bank bonuses this week

Barclays Tiered Savings: $200 bonus

SoFi Checking and Savings (Member FDIC): Up to $300 bonus

CIT Platinum Savings: Up to $300 bonus

Chase Total Checking®: $300 bonus

BMO Smart Advantage Checking: $400 bonus

Why bank bonuses are worth a look

Thinking about switching banks? It could pay off -- literally. Many banks are offering cash just for opening a new account and completing a few simple tasks. Depending on the offer, you could earn a few hundred dollars with minimal effort.

Typically, you'll need to set up a direct deposit, make a few debit card purchases, or keep a certain balance in the account. But don't overlook the details -- missing one step could mean missing the bonus. Also, keep in mind that these rewards are considered taxable income. If you earn more than $10, expect a 1099-INT when tax season rolls around.

If you're already planning to move your money, these bonuses can be a smart way to get a little extra for making the change.

How to snag a bonus

Qualifying for a bank bonus usually isn't complicated -- as long as you follow the instructions. Here's what most deals look like:

• You'll likely need to make a qualifying direct deposit within 30 to 90 days of opening the account.
• For savings bonuses, banks might require a large deposit that stays untouched for a while.
• Some of the easiest offers only ask for a few purchases with your debit card or an online bill payment.

Before you apply, take a moment to read the fine print. Make sure the requirements fit your financial habits so you don't run into any surprises.

What to keep in mind

While many bank offers seem simple, there can be a few strings attached. Some accounts charge monthly fees unless you meet specific conditions -- like keeping a minimum balance or scheduling a direct deposit. Others might exclude you from the bonus if you've had an account with that bank in the past year.

And even after you've done everything right, the reward isn't instant. It can take up to 90 days for the bonus to hit your account. That's why we've rounded up this week's top deals -- ones that are generally easy to qualify for and don't come with unnecessary headaches.

Our Picks for the Best High-Yield Savings Accounts of 2025

Account	APY	Bonus	Next Steps
Open Account for SoFi Checking and Savings On SoFi's Secure Website. Member FDIC. 4.90/5 Our ratings are based on a 5 star scale. 5 stars equals Best. 4 stars equals Excellent. 3 stars equals Good. 2 stars equals Fair. 1 star equals Poor. We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs. = Best = Excellent = Good = Fair = Poor	up to 4.30% Rate info Earn up to 4.30% Annual Percentage Yield (APY) on SoFi Savings with a 0.70% APY Boost (added to the 3.60% APY as of 11/12/25) for up to 6 months. Open a new SoFi Checking & Savings account and enroll in SoFi Plus by 1/31/26. Rates variable, subject to change. Terms apply at sofi.com/banking#2. SoFi Bank, N.A. Member FDIC. Min. to earn: $0	Earn up to $300 and +0.70% Boost on Savings APY with direct deposit. Terms apply. Earn up to 4.30% Annual Percentage Yield (APY) on SoFi Savings with a 0.70% APY Boost (added to the 3.60% APY as of 11/12/25) for up to 6 months. Open a new SoFi Checking & Savings account and enroll in SoFi Plus by 1/31/26. Rates variable, subject to change. Terms apply at sofi.com/banking#2. SoFi Bank, N.A. Member FDIC.	Open Account for SoFi Checking and Savings On SoFi's Secure Website.
Open Account for CIT Platinum Savings On CIT's Secure Website. Member FDIC. 4.60/5 Our ratings are based on a 5 star scale. 5 stars equals Best. 4 stars equals Excellent. 3 stars equals Good. 2 stars equals Fair. 1 star equals Poor. We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs. = Best = Excellent = Good = Fair = Poor	3.85% Rate info 3.85% APY for balances of $5,000 or more; otherwise, 0.25% APY Min. to earn: $5,000	Earn a bonus of up to $300 after a one-time deposit of $25,000+ This limited-time offer to qualify for a $225 cash bonus with a minimum deposit of $25,000 or a $300 bonus with a minimum deposit of $50,000 is available to New and Existing Customers who meet the Platinum Savings promotion criteria. The Promotion begins on September 23, 2025, and can end at any time without notice. Customers will receive a $225 or a $300 bonus provided that the program requirements are met. Click here to see promotion details and terms: https://www.cit.com/cit-bank/platinum-savings/PS2025	Open Account for CIT Platinum Savings On CIT's Secure Website.
Open Account for Western Alliance Bank High-Yield Savings Premier On Western Alliance Bank's Secure Website. Member FDIC. 4.40/5 Our ratings are based on a 5 star scale. 5 stars equals Best. 4 stars equals Excellent. 3 stars equals Good. 2 stars equals Fair. 1 star equals Poor. We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs. = Best = Excellent = Good = Fair = Poor	4.05% Rate info The annual percentage yield (APY) is accurate as of November 6, 2025 and subject to change at the Bank’s discretion. Refer to product’s website for latest APY rate. Minimum deposit required to open an account is $500 and a minimum balance of $0.01 is required to earn the advertised APY. Min. to earn: $500 to open, $0.01 for max APY	N/A	Open Account for Western Alliance Bank High-Yield Savings Premier On Western Alliance Bank's Secure Website.

Disclaimers

Platinum Savings is a tiered interest rate account. Interest is paid on the entire account balance based on the interest rate and APY in effect that day for the balance tier associated with the end-of-day account balance. *APYs — Annual Percentage Yields are accurate as of September 23, 2025: 0.25% APY on balances of $0.01 to $4,999.99; 3.85% APY on balances of $5,000.00 or more. Interest Rates for the Platinum Savings account are variable and may change at any time without notice. The minimum to open a Platinum Savings account is $100.

Based on comparison to the national average Annual Percentage Yield (APY) on savings accounts as published in the FDIC National Rates and Rate Caps, accurate as of September 15, 2025.

For complete list of account details and fees, see our Personal Account disclosures.

The annual percentage yield (APY) is accurate as of November 6, 2025 and subject to change at the Bank’s discretion. Refer to product’s website for latest APY rate. Minimum deposit required to open an account is $500 and a minimum balance of $0.01 is required to earn the advertised APY.

Accurate as of the time of publication. The national average rate referenced is from the FDIC's published National Rates and Rate Caps for Savings deposit products, accurate as of October 20, 2025. See the website for more information.