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Watch Nigeria > Blog > Personal Finance > Greatest Financial institution Account Bonus Affords In December 2025
Personal Finance

Greatest Financial institution Account Bonus Affords In December 2025

Last updated: December 22, 2025 11:34 pm
Terfa Ukende
6 days ago
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Greatest Financial institution Account Bonus Affords In December 2025
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Contents
  • Up To $2,000 With Raisin
  • Up To $400 With PNC Digital Pockets
  • $400 Money Bonus* with BMO Good Benefit Checking
  • Up To $300 With CIT Financial institution Platinum Financial savings
  • $300 with Key Good Checking® 
  • $200 With Improve Rewards Checking

Up To $2,000 With Raisin

Raisin is presently providing a unbelievable tiered bonus for brand new deposits. Raisin is a platform that join you with financial savings accounts, cash market accounts, and CDs. Their companions provide a number of the highest rates of interest out there.

Proper now, they’re offing the next tiered bonus, paid in quarterly installments:

  • Deposit $10,000: $20 Quarterly Bonus, $80 Whole Potential Bonus
  • Deposit $25,000: $50 Quarterly Bonus, $200 Whole Potential Bonus
  • Deposit $50,000: $100 Quarterly Bonus, $400 Whole Potential Bonus
  • Deposit $100,000: $200 Quarterly Bonus, $800 Whole Potential Bonus
  • Deposit $250,000: $500 Quarterly Bonus, $2,000 Whole Potential Bonus

It’s also possible to add extra funds anytime earlier than the subsequent bonus deadline to maneuver up a tier and earn much more.

This bonus is open to all new clients for all merchandise. The primary deposit date should be between December 1, 2025 at 12:00 AM and January 14, 2026 11:59 PM. Clients should enter the code `GIFT` on the time of sign-up to qualify. Funds should be deposited inside 14 days and maintained for 90 days.

Learn our full Raisin review here.

Rise up to a $1,600 bonus!

Up To $400 With PNC Digital Pockets

PNC Virtual Wallet has three major options: Spend (checking), Reserve (incomes curiosity on checking), and Development (financial savings). In a nutshell, it’s a checking account with an interest-earning choice.

To keep away from the $7/month payment within the primary Digital Pockets checking account, you’ll must do $500/month in qualifying direct deposits, keep a $500 stability, or be not less than 62 years outdated.

Digital Pockets with Efficiency Spend earns curiosity on balances of $2,000 or extra. It has a $15/month payment, however you possibly can keep away from it in a number of methods — $2,000 in qualifying direct deposits, a $2,000 stability, or $10,000 in mixed PNC client deposits.

Digital Pockets with Efficiency Choose additionally earns curiosity on balances of $2,000 or extra. It has a $25/month payment that’s waived by $5,000 in qualifying direct deposits; a $5,000 stability (together with as much as 7 linked checking accounts); or $25,000 in mixed balances or PNC client deposits, and/or investments. This account can also be eligible for the upper relationship charges.

And proper now, they’ve a promotional provide the place you possibly can earn as much as $400 while you full qualifying actions. Provide legitimate by way of January 5, 2026. Member FDIC. 

Earn $100 with a brand new PNC Digital Pockets and you identify whole qualifying direct deposits of
$500 or extra to the brand new Digital Pockets inside the first 60 days.

Earn $200 while you set up whole qualifying direct deposits of $2,000 or extra to the brand new
Digital Pockets with Efficiency Spend inside the first 60 days.        

Earn $400 while you set up whole qualifying direct deposits of $5,000 or extra to the brand new
Digital Pockets with Efficiency Choose inside the first 60 days.     

Learn our full PNC Bank review here.

$400 Money Bonus* with BMO Good Benefit Checking

The Smart Advantage Checking account is a good primary checking account with $0 month-to-month charges with paperless statements.

This account additionally offers you entry to 40,000 fee-free ATMs nationwide! And, when you enroll in paperless statements, the $3 month-to-month payment for verify photos are waived.

Proper now, earn a $400 money bonus* when you have got a cumulative whole of $4,000 in qualifying direct deposits inside 90 days of account opening between 9/9/25 – 1/28/26. *Situations apply. Accounts are topic to approval and supplied within the U.S. by BMO Financial institution N.A. Member FDIC

Learn our full BMO Bank review here.

Be taught extra about BMO Smart Advantage account here.

Earn as much as a $400 money bonus!

Up To $300 With CIT Financial institution Platinum Financial savings

The CIT Bank Platinum Savings is considered one of our high accounts as a result of they constantly have one of many highest rates of interest supplied to customers. Additionally, their platform in extremely straightforward to make use of, with the power to enroll and get began in minutes.

CIT Platinum Financial savings a two-tiered financial savings account. Proper now you possibly can earn as much as 3.75% APY* with a $5,000 minimal stability. In any other case you will earn 0.25% APY. See web site for full particulars.

There’s a $100 minimal deposit required to open an account.

Bonus: You possibly can qualify for as much as a $300 money bonus while you open a brand new CIT Financial institution Platinum Financial savings Account and full qualifying actions. You possibly can early $225 money with a minimal deposit of $25,000, or $300 money with a minimal deposit of $50,000. Use promo code PS2025 when opening the account. See CIT Financial institution for full promotion particulars.

Learn our full CIT Bank review here.

Open an account here >>

$300 with Key Good Checking® 

Key Financial institution provides the Key Smart Checking®  Account. This checking account is a free, non-interest-bearing account that has no minimal stability requirement, provides computerized overdraft safety from a linked KeyBank financial savings account, paper checks, and extra!

They’re very cell pleasant, have entry to over 40,000+ KeyBank and Allpoint® ATMs nationwide.

Plus, proper now they’re providing an excellent bonus provide! You possibly can earn a $300 money bonus while you open a Key Good Checking® account on-line by Might 22, 2026 and full certified actions.

To qualify, you need to do the next:

  • Open a Key Good Checking® account on-line by Might 22, 2026.
  • Make the minimal opening deposit of $10, and a complete of $2,000 or extra in eligible direct deposits inside the first 90 days of account opening.

Your $300 money bonus will likely be deposited into your account inside 60 days of assembly necessities. Accounts should not be closed on the time of reward cost.

Be taught extra about Key Smart Checking® right here.

Learn our full KeyBank review here.

$200 With Improve Rewards Checking

Upgrade Rewards Checking is presently providing a $200 bonus while you open a Rewards Checking account with a private mortgage, and make three qualifying debit card transactions inside the first 60 days.

The Improve Rewards Checking account is considered one of our high picks without cost checking as a result of there are not any minimal deposits, no month-to-month upkeep charges, no ATM charges, and extra!

Bonus: Proper now, you possibly can earn a $200 bonus when you mix the Rewards Checking account with an Improve private mortgage and make 3 qualifying debit card transactions.

  • Simply open an Improve Private Mortgage and Improve Rewards Checking Account
  • Fund your account and make three debit card transactions inside the first 60 days
  • $200 bonus will likely be credited to your account inside 60 days of finishing the above necessities

Learn our full Upgrade review here.



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ByTerfa Ukende
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Terfa Ukende is a seasoned financial writer with over seven years of experience covering topics on finance, investment, and economic development. He began his writing career with NewsWay before joining Watch Nigeria, where he continues to educate readers on wealth building, market trends, and smart money management. He holds a Bachelor’s degree in Statistics and Computer Science, which strengthens his analytical approach to financial reporting and investment insights.
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