New Bank Account. We Give You SMART options.


What Type of Bank Account Do You Want?

Interest Earning
Money Market
0 Annual Fee

Find the right bank account for you regardless of your credit.

Your credit rating

No credit
Not sure

We have excellent options for you based on your answers.

Please complete the below.

Greetings and welcome to FinanceBesties!
We work with financing institutions, bank account companies and providers all over the Country to match you with the best bank account products we can find. Our quick and easy survey pays attention to your shopping needs and customer attributes to determine what bank account might be the perfect match. If you do not care for one of our questions or are curious why we are asking, please send us a message and let us know. We will do our best to respond as quickly as possible, give you all the relevant information we have, and work to match you with the best bank account or line of credit product to match your needs.

7 Banks That Will Pay You To Open An Account:

Are you planning on opening a new bank account? Luckily there are some banks will pay you money (up to $750) if you qualify for the bonus after opening an account. Check out the best bank account offers here:

1) Chase $300 Checking Bonus (Chase Premier Plus Checking)

- Requirements: A deposit of at least $25, and a direct deposit made to the account. - The bonus will be deposited into the account within ten business days. - The offer expires on October 15, 2018.

2) Chase $200 Checking Bonus (Chase Total Checking)

- Requirements: A deposit of at least $25, and a qualifying direct deposit made within 60 days - The bonus will be deposited into the account within ten business days. - The offer expires on October 15, 2018

3) Santander

- Requirements: Open an extra20 Checking and extra20 Savings account, deposit $25 in checking and $10 in savings to qualify for the cashback reward.

4) HSBC - Up to $750

- Requirements: Open a new Premier Checking account and deposit at least $100,000, and maintain it for at least 90 days. - Offer expires on August 31, 2018.

5) Capital One - Up to $150 Cash Bonus

- Requirements: . Open a new Capital One 360 Checking account and deposit at least $250 . Open a new Capital One 360 Money Market account and deposit at least $250 to $9,999.99, and you’ll get a $25 bonus. If you deposit $10,000 or more, you’ll get a $100 bonus . Open a new Capital One 360 Saving account and deposit at least $250. Your $25 bonus will then automatically be deposited into your account.

6) U.S. Bank - Up to $100 Bonus

- Requirements: Transfer from a checking account to your money market account. After reaching $500, you'll get a $25 bonus. - You'll also get 1% cash back on grocery and gas transactions on your debit card (up to $50)

7) Salem Five - $150 Bonus

- Requirements: Execute at least $1,500 in qualifying direct deposits within 60 days of account opening. - The bonus will be deposited into the account within ten business days. Advertorial Disclosure: The content of this post, which was created by our Ad Services team, has not been reviewed, approved, or endorsed by any party mentioned herein.


bank accounts can be powerful spending tools, especially when they offer points, miles, or cash back on your purchases. They also often will offer benefits like an extended warranty, car rental insurance, and price protection. But if you don’t have a bank account payoff strategy, you could be in big financial trouble. Spending more than you can afford each month will leave you carrying a balance with interest that will add up quickly. Luckily, if you keep a zero balance or an extremely low balance, time your purchases right, and know what rewards you are entitled to, the benefits of a bank account can be leveraged without you falling into debt. So what kind of strategy should you have?

Borrow Cheaply

Interest rates are beginning to creeping up on every kind of loan, but introductory low-rate credit offers can still be found.
Some consumers can successfully use these offers to pay their college tuition, consolidate debt, , or even pay off an expensive home equity line of credit.
You have to be on the lookout for the traps, of course, and these include fees that are as much as 5% on a balance transfer and skyrocketing rates if you make your payment even one hour late. Remember that maxing out a bank account can also lower your credit score, and this will result in higher rates on any other bank account balances you may be carrying. Take a lower rate when you can, but just be sure to tread carefully. When opting for a 0% introductory APR offer, be sure to pay off any balances you transfer or any new purchases before that introductory rate expires. If you’re the type of person who routinely carries a balance, check out a low-interest bank account.

Should I Consider A Balance Transfer?:

So what should you do if you’re paying interest every month on your bank account balance? What’s the best balance transfer card for you? Find out below.

Watch out for fees

You’re likely thinking that a balance transfer sounds like a great idea—and it often is. But the balance transfer fee also needs to be factored into your calculations. What is a balance transfer fee? This is a charge that is imposed by the bank that’s offering the card you’re moving your current debt to. This fee will be determined by how much you’re actually transferring to the new bank account. You will often see the balance transfer fee being expressed as something like “$10 or 3% of the balance transferred, whichever is higher”. Keep in mind that balance transfer fees are also paid up front Although it may not sound like much, it can really take a bite out of your savings when you transfer a large balance. In the example we used above, you’re not really saving $1,700. Because of the $300 fee you’ll need to pay, you’re only saving $1,400. While this is still a considerable savings, it is not quite as impressive as it first seemed. Some cards not charge you a balance transfer fee at all, or they may give you a certain period of time after you open the account before you need to pay this fee.

Ready for a balance transfer? Some tips to consider

Here are some tips for balance transfer success:
  • Look for a card that not only offers a 0% APR for a long period of time but also does not charge a fee.
  • If you don’t have a high enough credit score to qualify for a card that meets both these criteria, you should carefully consider the cost differences between paying interest and paying a balance transfer fee. The card that will make the most sense depends on the size of your balance and how long it should take you to pay it off with your current resources.
  • Be sure to pay down your debt religiously before the 0% interest period is up.
  • Don’t cancel your old bank account quite yet as this could damage your credit score.
  • On-time payments should be a priority. If you miss a payment, your 0% interest deal will probably be canceled.
  • Be very careful about moving your bank account debt to a new card and then charging more purchases to the old card. Doing this will negate any of the benefits you received and land you in even more debt.

10 Amazing bank account Benefits You Should Take Advantage Of:

bank accounts already come with great things like low-interest rates and cash back rewards. In addition to that, there are other awesome bank account benefits you should know and take advantage of. Above of all, these perks could help you save some extra money every year.

1- Price Protection

Isn't it upsetting when you buy a product, and then you find out that they are selling it for less just a week later? With price protection, you may receive a refund if you bought the product with your bank account. Don't forget, however, that there is usually a time limit for you to use this perk.

2- Purchase Protection

Purchase protection essentially means that you get coverage if something that you have purchased with your bank account was accidentally damaged, lost or robbed. You might need your receipt and bank account statement, or a police report if your product was stolen.

3- Extended Warranty

Some card networks provide an additional extended warranty for up to a year to the manufacturer's warranty if you purchased the item with your bank account. All you have to do is show your receipt and file a claim, and then you could get a replacement, repair or refund.

4 - Return Protection

The store doesn't want to accept your return, now what do you do? If this happens, your bank account company may refund your item if you purchased the product within a specific timeframe (sometimes up to 90 days).

5 - Free Hotel Nights

If you like to get travel rewards, this is one of the best bank account benefits. Some hotel bank accounts offer a free night or free nights every year to customers or as a sign-up bonus offer.

6 - Free Airport Lounge Access

Long airport layovers can be tiring and boring. With this feature, you can take advantage of the airport lounge and enjoy all the amenities it offers. Some may even let you take free guests with you.

7 - Cancellation Insurance

If something unexpected happens and the trip gets canceled, trip cancellation insurance will get you covered. Don't forget that you need to buy it with a bank account that offers this perk.

8 - Travel Accident Insurance

If you suffer an accident during your time away, your bank account may provide support to you and your beneficiaries if you used your card to pay for your travel.

9 - Lost Luggage Protection

Don't get desperate if your luggage gets lost. As long as you bought your ticket with your bank account that offers this benefit, you'll get lost luggage protection. Some cards will cover up to 3,000 dollars.

10 - No foreign transaction fees

Don't you hate it when you have to pay an extra fee for international purchases? Thankfully, there are some cards with zero foreign transaction fees so that you can save some money when you're traveling.

Read your agreement to find out additional bank account benefits

It is always important to read your bank account agreement because you might be missing out on other great perks like early access to concert tickets, car rental insurance, priority boarding and so on.

These bank accounts are for fair or bad credit. While we can’t officially guarantee approval, if you can make on-time payments, unsecured cards are a great way to rebuild your credit. Paying your minimum balance is highly advised, and if you can pay your full balance off on a monthly basis, even better. This will build your credit up and enable you to apply for a wider range of product offerings.

Personal lines of credit can vary, but essentially, this is a personal loan you can use like a bank account. A lender will approve the entire amount at once, but you only have to pay interest on what you use.

If you aren’t quite ready to be approved for a line of credit, secured or unsecured card, a prepaid debit card can be a solid option for you. One convenient element is you can carry plastic and not have to worry about the potential risks associated with having cash on you. As you use your prepaid card, the funds are subtracted from your account as you spend.