PNC Bank has offered bank deals with cash bonuses in the past. This time when you sign up for a PNC Bank checking account by April 30, 2010, you may receive a $100 bonus.

The offer is only available online for new accounts opened by residents of Washington, D.C., Delaware, Florida, Indiana, Kentucky, Maryland, New Jersey, Ohio, Pennsylvania, and Virginia.

To be eligible for the bonus you must set up direct deposit and make 10 Visa check card purchases. Each direct deposit must be at least $400. The $100 bonus gets credited to your checking account within 60 days after meeting the requirements, which must be fulfilled by June 30, 2010.

Other details of the checking account offer include:

• Automatic reimbursement of non-PNC Bank ATM fees for Performance and Performance Select Checking
• Reimbursement of non-PNC Bank ATM fees for Free Checking with a balance of at least $2,000
• Free online banking and bill pay
• Free Visa check card
• Free banking rewards program

The Free Checking has no monthly service charge or minimum balance requirement. Performance checking accounts require a minimum balance of $2,500 and Performance Select checking requires a minimum balance of $10,000 to avoid a monthly service charge.

Other costs that might apply to your checking account include fees for check card cash advances, international purchases, overdrafts, returned deposits, and stop payment orders.

Georgia residents can take advantage of competitive money market rates at Georgia Primary Bank. There is no minimum required to open a money market, but there is a $10 monthly maintenance fee if the balance is under $2,500.

The following money market rates (valid as of Feb. 5, 2010) apply to personal accounts:

• 1.45% APY on balances below $10,000
• 1.45% APY on balances of $10,000 to $24,999
• 1.65% APY on balances of $25,000 to $49,999
• 1.95% APY on balances of $50,000 to $99,999
• 2.3% APY on balances of $100,000 and up

Commercial money markets have the following rates:

• 1.25% APY on balances below $10,000
• 1.25% APY on balances of $10,000 to $24,999
• 1.5% APY on balances of $25,000 to $49,999
• 1.75% APY on balances of $50,000 to $99,999
• 2% APY on balances of $100,000 and up

A Visa card comes with the money market. You get free online banking and six withdrawals each month with a money market account. You also pay $3 for each additional withdrawal. Georgia Primary Bank money markets also waive up to six ATM surcharges each month.

If you close a money market within 90 days of opening it, you pay a $10 fee. Other fees on money market accounts include $5 for accounts that are dormant after 12 months, $35 for overdrafts, $10 for returned deposits, and $5 for interim or duplicate statements.

Georgia Primary Bank is based in Atlanta.

Atlantic Coast Bank has a high interest savings and checking account that work together to help you save more. The bank’s Kasasa Cash checking account has a 3.25% annual percentage yield (APY). The Kasasa Saver is a high interest savings account with a 2% APY and is linked to the checking. Details of the offer include:

• Nationwide ATM fees up to $25 refunded on checking account are automatically deposited into savings account
• Free checking
• No minimum balance or monthly fees
• Minimum opening deposit of $100 for checking account and $5 for savings

To qualify for the bank rates you must:

• Make a minimum of 10 debit card purchases
• Set up one direct deposit of ACH automatic payment from your checking account
• Receive electronic statements

Even if you don’t meet the requirements to earn the bank rate on the savings and checking, both accounts are free. During that time you earn a base rate of 0.1% on the checking account, which gets automatically deposited into the savings. The combined balance earns a base rate of 0.3% APY.

Once you meet the requirements again, you can earn the 3.25% APY on checking and 2% APY on savings. Bank rates are accurate as of Nov. 16, 2009.

Atlantic Coast has branches throughout northeast Florida and southeast Georgia. But residents of other states can apply online for a bank account

I recently wrote about a TD Bank promotion that offered gift cards for using a debit card to purchase groceries. Now TD Bank has another offer aimed at getting people to apply for a mortgage.

If you apply for a mortgage loan to purchase or refinance a home, you get a shot at winning $250,000 to pay off your mortgage. Details of the offer include:

• Apply for a loan between March 7 and April 30, 2010
• Existing TD Bank mortgage customers are automatically entered into the drawing
• Six weekly winners get $2,500 toward their mortgage payment
• Grand prize winner to be announced in May

“As an Aaa-rated bank that is safe and sound, TD Bank does not sell our conforming or jumbo mortgage loans, creating an opportunity to strengthen our relationship with our customers,” said Michael Copley, Retail Lending Senior Vice President at TD Bank.  ”Additionally, we continue to originate high quality performing loans. We are very excited to pay someone’s mortgage off and help our customer obtain the American dream despite the tough economy.”

If you plan to take advantage of the bank deal and apply for a mortgage, don’t forget to see if you are eligible for the homebuyer tax credit of up to $8,000.

Provident Bank has a free Smart Checking Account with a 3.26% annual percentage yield (APY) on balances up to $25,000.  To receive the bank rate on the checking account you must meet the following requirements:

• Must  make 10 Provident Visa debit card signature purchases during each statement cycle
• Receive one direct deposit or process one automatic ACH debit per statement period
• Receive statements electronically

The checking account also has the following features:

• 0.75% APY on portion of balance above $25,000
• ATM fees nationwide are refunded if requirements met
• No monthly service fees

If you don’t meet all the requirements of the account, the bank rate falls to 0.25% on the entire balance. However, you can start over during the next statement period to meet the requirements to earn the higher bank rate. During this time the checking account is still free.

Interest on the checking account can change at any time. The daily balance method is used to calculate interest, which is paid monthly and posts to the account on the last day of the statement period.

You don’t have to do anything to receive a refund of ATM fees as long as you meet all the requirements of the account. However, only ATM fees in the U.S. are refunded, not those incurred abroad.

Provident Bank is based in Jersey City, N.J.