Currently, the best bank accounts are those that offer a bonus for signing up. That is, just like you read it. You must sign up for their ranks to receive extra money. It is a strategy to attract new customers and suggests promotions and services.
With this modality, banks face changes in the world economy. But be careful because the conditions of that bonus could be hard to achieve. So, stay with us to know what they are about and thus take advantage of the ones that best suit you.
Take advantage of the best bank accounts
Banks operate to help you manage your money: save it, offer you payment methods, transfer it or multiply it. So, a good account will simplify your life and make all these processes more painless. There is when it is essential to find the best bank accounts.
Bank of América
According to Forbes magazine, It was the third-largest company in the world in 2010. It is the fifth largest in the United States today. Its financial institution currently offers $100 for opening a checking account. But you must make a minimum $1,000 deposit in the first three registration months.
Chase Total Checking
It is a checking bank related to the great JP Morgan Chase. It offers a bonus of $200 with account opening. After making the proper deposit, you must fill out an online application and they will send you a coupon. Once you have it, you must take it to the nearest branch and thus complete the requirements.
TD Bank
Toronto-Dominion Bank is a Canadian financial entity with more than 60 years of experience in the area. It is among the ten biggest North American banks and the second in Canada. Currently, it offers a financial incentive of three hundred dollars for hiring its services.
The requirement to claim this bonus is to maintain a balance of $2,500. You can opt for it until October 31, 2022, so pay attention to the date.
PNC Virtual Wallet
This bank has more than one hundred years in the financial market and offers its services to companies and individuals. It offers a $400 monetary incentive for opening your Performance Select virtual wallet.
To qualify for this promotion, you must make direct deposits equivalent to $5,000. It must do within a period not exceeding two months after contracting the service.
HSBC
The Hong Kong and Shanghai Banking Corporation is probably the oldest financial company. It was born in 1865 in the middle of the trade era between China, India, and Europe, and today it is one of the most respected banks.
This financial group, also based in Mexico, offers $500 for opening its HSBC Premier Checking. To do this, you must make deposits equal to $10,000 and maintain that balance for at least three months. Once that time is up, you can obtain your gift.
Citybank
With more than 3,200 branches in thirty-six countries, it is the most experienced financial house on this list. It was born in 1812 and today it has approximately fifteen million users. It is undoubtedly one of the best bank accounts this year.
Now, in its group of promotions for unaccustomed users, it has not one but three options. So, if you want $300 you must open a Citibank account. If you want $700 then must open a Citi Priority. But if you desire $1,500 it must be a Citygold.
To be eligible for those bonuses, you must meet the requirements. Therefore, you must make deposits equal to $15,000 and $200,000. Also, maintain that balance for two months. If you manage to comply with this, 21 days later, you receive the royalties. You have until January 9, 2023, to enjoy this promotion.
Tips for choosing a bank account
You can already see that there are currently a wide variety of options. They have tried to make their promotions as attractive as possible. Said like this, it seems difficult to be right in choosing the best bank accounts. But do not get carried away by the offers, so analyze all the scenarios.
The things you should know is what are your needs and why you want an account. What are you going to use it on? Because owning a business is different from managing family needs. But, in general, we leave you some important points:
- The commissions. Check if the amounts are adequate for your needs.
- Current or savings. Analyze the characteristics of each one. With the first, you can manage purchases, and with the second, you can save.
- Offers and instruments. See what tools the bank offers when opening accounts: debit cards, credit cards, checkbooks, etc.
- Cost-effectiveness. Knowing the interest rate is essential when you plan to leave fixed-term money. Some banks vary this figure over time.
- Online bank. Today it is essential to have your accounts “at hand” because there are a few things we cannot do with mobile phones. A good account must have access and the possibility of online management or through an application.
Finally, you should consider the branches and the effectiveness of customer support. The first is because you must be sure that the bank you choose must have a branch near you. And the second is due to the number of communication channels (phones, mail, instant messaging) and their quality.
All ready
That said, you already have all the information you need to choose the best bank account. Because when it comes to money, trust and security are essential. So always review all the terms and conditions of each promotion, and that is it. Let a good bank manage your finances.
