Open a new personal checking account at Citizens Bank and earn a cash bonus of up to $220. You have until Nov. 13 to take advantage of this bank deal. The amount of the cash bonus you receive is:

• $50 when you set up direct deposit
• $25 when you make five online bill payments
• $25 when you make five debit or credit card purchases
• Up to $120 a year when you go paperless by enrolling in Green$ense

You can choose from several personal checking accounts. They all include unlimited check writing, free ATM or debit card, free online bill pay, and FDIC insurance.

Some of the accounts offered are the Green Checking, which has no monthly maintenance fee, can link to overdraft protection, and has a rewards program. Circle Gold Checking offers interest and free checks, but has a $20 monthly maintenance fee for accounts with a combined balance of less than $20,000 on all Citizens Bank accounts.

Circle checking has a $15 monthly maintenance fee for accounts that have a combined balance of less than $7,500. It also offers interest and free checks. The Personal Checking with interest has free checks and a monthly maintenance fee of $10 for accounts with a balance of less than $1,000.

You can get up to a $75 bonus for opening an M&T Bank checking account. You can open it online, by phone, or in a bank branch. M&T Bank has branches and ATM access in Delaware, Maryland, New York, Pennsylvania, Virginia, West Virginia, New Jersey, and Washington, D.C.

Details of the bank deals on checking accounts include:

• Overdraft protection and direct deposit required to receive cash bonus
• Free online banking and bill pay
• Check card available

For the Direct Checking account, there is no monthly fee with direct deposit or if the balance of the combined accounts is $1,500. There is unlimited check writing. This account pays a $25 cash bonus with direct deposit.

The Select Checking account is available with interest. There is no monthly fee if the average daily balance is $5,000 or if there is a combined balance of $10,000 with other eligible accounts. If the balance requirements aren’t met, the monthly fee is $14.95. This account pays a $50 bonus with direct deposit.

The Classic Checking account offers free checking for people 50 and older. There is no minimum balance or monthly service fee. This account pays a bonus of $25 with direct deposit.

ING Direct has an Added Value CD with a rate of 2.25% annual percentage yield (APY) for 12 months, one of the best CD rates around. You must open the certificate of deposit online and  funds must come from a non-ING checking account. Other details of the offer include:

• Certificates of deposit can’t be used for business, power of attorney, beneficiary, or individual retirement accounts
• FDIC insured up to $250,000 per depositor
• Penalty for early withdrawal
• Interest can be disbursed monthly or annually to external checking account

ING Direct also offers other CD rates for certificates of deposit linked to ING savings or checking accounts. Orange CDs are for terms of six months to 60 months. The following CD rates are current as of Oct. 2:

• 6 months - 1.55% APY
• 9 months - 1.15% APY
• 12 month - 2.1% APY
• 18 months - 1.5% APY
• 24 months - 1.5% APY
• 30 months - 1.5% APY
• 36 months - 1.5% APY
• 48 months - 1.75% APY
• 60 months - 1.75% APY

Interest on ING Direct CDs is calculated daily and compounded monthly. CD statements are delivered electronically each quarter unless there is activity on the account, in which case statements are delivered monthly. Interest payments alone are not considered activity. Once a certificate of deposit matures, you can renew it for the same term or a different term.

VirtualBank has money market rates as high as 1.82% APY. You don’t need a lot of money to open these money market accounts, which have a minimum deposit of $100. The money market accounts also include:

• No monthly fees
• No minimum balance requirements
• Transfer money for free from your existing checking account
• Free online statements
• Free deposits and withdrawals electronically

These online money market accounts also are insured by the Federal Deposit Insurance Corp. You can get more information about FDIC coverage on money market accounts here.

The following money market rates are available as of Oct. 10:

• 0.8% APY for deposits under $10,000
• 1.26% APY for $10,000 to $24,999
• 1.51% APY for $25,000 to $49,999
• 1.71% APY for $50,000 to $99,999
• 1.82% APY for $100,000 and up

You can also earn money by referring friends to VirtualBank. You must have a VirtualBank checking, savings, or money market account to qualify for the offer. You can refer up to 50 friends to sign up for a money market account. Friends are only eligible if they have never had an account with VirtualBank or its parent, Lydian Private Bank.

You and each friend who signs up will receive $20 each, and you can earn a total of $1,000. The money you receive will be reported as interest on Form 1099INT.

Do you want to get your kid to save more money for college? The Ultima Bank Minnesota SMART Smart Savings account can help. SMART, which stands for School Money at Right Time, is for savers who are 18 or younger. Details of the savings account include:

• No minimum deposit required
• Savings rate of 2.02% APY on any amount
• Interest begins accruing on first business day after deposit and is credited quarterly
• Savings rate is subject to change at any time
• Withdrawals before 18th birthday are subject to a penalty equal to six months interest
• Limited number of monthly transactions after 18th birthday
• SMART savings converts to a regular savings account on 19th birthday

The SMART savings account is designed to complement Ultima Bank Minnesota’s student checking account. Using the savings and checking accounts can help kids learn to manage money responsibly from a young age.

The checking account has no minimum balance requirement and has no limitations on writing checks. The account also offers the following freebies if the account is administered electronically–online statements, direct deposit, transfers between accounts, and bill payment. Statements received by mail are free, but if check images are included there is a $3 fee.