Bank sign-up bonuses can seem like a great incentive for consumers looking for a new bank, but the fine print may make them less beneficial than they seem. Such bonuses have become increasingly eye-catching, even promising anywhere from a few hundred dollars to tens of thousands just for opening an account. For example, in January 2026, the largest bonuses on the market promised up to $80,000 for high-balance investment accounts. Must Read These promotions can be worthwhile, but experts warn consumers ...