Compare the cost after the bonus
Start with the monthly fee, minimum-balance requirement, transaction limits, ATM access and the features you actually use. A one-time reward disappears quickly if the account costs you every month.
Read the qualifying actions before opening the account
Bank promotions commonly depend on actions such as payroll deposits, recurring payments, deposits or keeping the account open for a specified period. Do not count a bonus until you know you can comfortably satisfy the terms.
Current BestReferral banking offers
These are offers already listed on BestReferral. The values shown on the provider pages are pulled from the site’s centralized offer configuration, so check the current page before applying.
When a smaller bonus can be the better choice
If one account has no monthly fee and fits your everyday banking while another requires you to maintain a balance you would rather keep in savings or investments, the smaller bonus may produce more value over a year. This is why I would choose the account first and promotion second.