Open a Chase checking account and receive a $100 bonus. The money used to fund the account can’t come from accounts currently held by Chase or its affiliates. The $100 bonus also cannot be used as the initial deposit.  Here’s what you need to know about this bank deal:

• $100 minimum opening deposit
• Free access to 14,000 Chase and WaMu ATMS throughout the U.S.
• Access to free Chase Mobile on your phone
• No monthly service fee
• Free account alerts via email and phone.

This bank deal requires you to initiate a monthly direct deposit of payroll, pension, or government benefits, or have at least six debit card purchases posted to your account within 60 days of opening the checking account. You’ll receive the $100 cash bonus within 10 days after the first direct deposit or after five debit purchases have posted. The checking account must be open for at least six months or the $100 will be debited from the account when it is closed.

You can open a checking account online in just a few minutes. If you prefer to open a checking account in person, you’ll receive a coupon via email and take it in to a local Chase branch.

TCF Bank has a deal that offers free money to checking account customers. The bank has 449 banking offices in Minnesota, Illinois, Michigan, Colorado, Wisconsin, Indiana, Arizona and South Dakota. The bank deal offers $50 for opening a new free TCF checking account online or at a local branch. Individuals and businesses that have not had a TCF checking account within the past 90 days can qualify for the offer. The terms of the bank deal include:

• No monthly fees
• $25 minimum opening deposit (except in Arizona, where the minimum is $100)
• Free online banking
• Free online bill pay with online statements.

If you open the account in a TCF branch, you receive the $50 credit either on the day the account is opened or the first business day after it’s opened. It could take up to four weeks for the $50 to be credited to accounts opened online. Use this link to search for TCF banks near you.

To fund an online account you’ll need a credit or debit card, or a savings or checking account. You also must be at least 18 years old and a U.S. citizen or U.S. resident alien. Online accounts also require a driver’s license, state identification, U.S. Passport, or U.S. Military identification.

EverBank has been advertising an intro-APY rate special for checking and money market accounts for several years now. Savers may even remember that the rate was high as 6.01% at one time. Of course, that seems unreal now. EverBank has done a good job of keeping their intro-rate at the top of the rate leaderboard. In that vein, Everbank increased their rate recently on both their Money Market and Checking account to 3.01% from 2.51%.

Checking Account

The EverBank high interest checking account pays a first-year APY of 1.96% on balances from $50,000 to $99,999 after you factor in the bonus rate for the first three months. Even if your average balance is below $10,000, you would still earn a first-year APY of 1.52%. Terms of the Everbank checking account include:

-  No monthly fees

- Free online bill payment service for accounts with an average monthly balance over $5,000

- $1,500 minimum opening deposit

- $6 per month in ATM reimbursements

Money Market Account

The money market account offered by EverBank has the same intro-rate, but varies in a few account details and features. First, the intro-rate only applies to the first $50,000 on deposit in the money market account. A depositor with less than $50,000 in their account will earn a first-year APY of 2.00% after factoring in the 90-day bonus rate. A second difference is that the account can be opened as an IRA for savers looking for retirements options. A monthly fee of $8.95 will be charged to your account if the balance averages below $5,000 for a month. Similar to most money market accounts, transfers and withdrawals are limited to six per month.

Everbank is a FDIC-insured bank that remains committed to being a deposit rate leader. While seeing a 3.00% intro-rate from Everbank is great, let’s hope we can return to the days of those 6% checking accounts.

Woori American Bank is a Korean-American bank based out of California. The FDIC-insured bank has a Korean-version and an English version of their website with the same products advertised on both. One of their products is an automatic savings plan called the One Heart Savings Account. This account pays a high rate of interest to savers who contractually agree to make regular monthly payments for deposit in the savings account. The minimum contract amount is $1,000. If you opened a 5-year $1,000 One Heart Savings account with Woori America Bank, your monthly payment would be $14.43.  After five years your total payments plus interest would equal the contract amount of $1,000 and you have full access to withdraw the funds. You can make your monthly payments by check or automatic bank transfer.

One Heart Account Features:

- All payments must be current to obtain stated APY

- Minimum contract amount is $1,000

- Penalties apply for early withdrawal

Savings Rates:

48-month 5.50% APY

60-month 5.75% APY

120-month 6.25% APY

The automatic savings plan from Woori American Bank is tempting because of the high rates offered. Although it should not replace an emergency savings account because of the costly penalties for early withdrawal, many Americans could use an organized savings plan. It is a simple and effective way to take advantage of monthly savings and compound interest. Automatic savings plans can also be used retirement savings. Best of all for investors, if you make all your payments the bank can tell you with certainty how much money you will have at the end of the contract. There are probably more than  a few General Motors (GM) stockholders and bondholders who might have liked a deal like that.