April 2026: bank bonuses worth chasing this month.
Fresh bonuses that stack cleanly with a reseller's direct-deposit cashflow. Seven picks, all under 90-day hold times.
By RetailWorld team
The April list is unusually strong. Chase's checking bonus came back at $300 with a low DD threshold, SoFi re-upped their tiered bonus, and Truist is running an aggressive combo offer in the Southeast. Here's what we'd actually open this month.
The seven
| Bank | Bonus | DD required | Hold time | Notes |
|---|---|---|---|---|
| Chase Total Checking | $300 | $500 in 90d | 90d | Best overall. Easy DD. |
| SoFi Checking + Savings | $300 | $5,000 in 30d | 60d | Stacks with referrals. |
| Citi Priority | $500 | $30k for 60d | 60d | Works with held cash, not just DD. |
| Truist One | $400 | $1,000 in 90d | 90d | SE states only. |
| BMO Smart Advantage | $350 | $1,500 in 90d | 90d | New customer only. |
| Discover Cashback Debit | $150 | 1 DD any amount | 60d | Cheapest to hit. |
| Fidelity CMA | $200 | Transfer $50 | 30d | Silly-easy; doubles as HYSA. |
How to stack them without losing your mind
- Open one personal checking per calendar month, max. ChexSystems tolerates this cadence.
- Route your DD through a push from Fidelity or a same-name ACH from an existing bank. Most of these bonuses accept same-name pushes as 'DD' now.
- Use a shared Google Sheet (or Bankbonus.app) to track open date / DD hit / bonus posted / hold expires / close date.
- Close no earlier than 60 days after bonus post to avoid clawback.
Keep reading
- Bank bonuses & DD
May 2026: bank bonus playbook for resellers.
What kinds of offers tend to surface in Q2, what to prioritize when you only have time to chase a few, and a checklist for evaluating any specific bonus you find on a tracker.
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Best banks that accept brokerage push as direct deposit (2026).
Not every bank treats a Fidelity ACH push as 'direct deposit.' Here's the working list, the historical holdouts, and how to never lose a bonus to fine print again.
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- Bank bonuses & DD
How bank bonuses actually work (and why they're back).
A quick tour of the mechanics, the clawback traps, and why 2026 is the best year for bonuses in a decade.
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