Some banks offer bonuses for opening personal checking accounts but not business accounts. If you’re looking for banks that have special deals for business accounts, Chase is offering a $100 bonus for opening a business checking account.

Sign up on the Chase website to receive a $100 coupon by email. You have to take the coupon to a Chase branch and open a business checking account. The $100 bonus is deposited into your account within 10 days of meeting the minimum deposit requirement.

Other details of the checking account offer include:

• Minimum deposit of $500 with funds from a non-Chase bank account within 30 days of opening
• Limit of one business checking account-related premium per customer each year
• Interest bearing checking accounts available to sole proprietors, non-profits, and government entities
• No monthly service fee
• Up to 200 transactions per month on a Chase BusinessClassic Checking or Chase BusinessClassic Checking with Interest

Free checking accounts require you to do one of the following:

• Make five or more debit card purchases during each statement period
• Link the  checking account to a Chase Business Credit Card that has a balance above $0 at least once during the statement cycle
• Link the business account to a Chase personal checking account
• Maintain a monthly average balance of $4,000 to $7,500 depending upon the region

The $100 bonus offer expires March 15, 2010.

If you or your spouse are members of the military, check out some of the bank deals offered by USAA Federal Savings Bank. Anyone who is active, retired, or honorably discharged from the military can choose from a variety of financial products at the bank. Qualifying family members of military personnel also can search for bank deals at USAA.

Among the bank deals are certificate of deposit (CD) rates as high as 3.75%. Terms for a CD range from 30 days to seven years.

Standard CDs with a variable rate require a minimum deposit of $250 and those with a fixed rate require a minimum of $1,000. The bank also offers jumbo CDs for a minimum deposit of $95,000 and super jumbo CDs, which require a deposit of at least $175,000.

The adjustable rate CD allows a one-time adjustment if rates rise, and one additional deposit during the term. USAA also offers variable rates that can change daily, but allow you to make additional deposits to a CD.

USAA has free savings and checking accounts. The checking account has no monthly fees, free checks for life, free overdraft protection, and a free rewards debit card. You won’t pay a fee for the first 10 ATM withdrawals each month and can receive a refund of up to $15 for ATM fees from other banks.

Large, national banks are not the only places to find competitive savings rates. Many savers are turning to local banks to find some of the best savings accounts.

Geddes Federal Savings and Loan Association, which serves the Central New York area, has a 2% annual percentage yield (APY) on money market account balances of $50,000 and up. Balances between $1,000 and $49,999 earn a money market rate of 1% APY. Money market accounts must have a minimum of $25 to earn interest.

Geddes Federal Savings and Loan Association also offers certificates of deposit (CDs) with competitive rates. CD rates include:

• 1.3% APY for 4 months
• 1.55% APY for  9 months
• 1.65% for 12 months
• 1.7% APY for 18 months
• 2.15% APY for 24 months
• 2.45% APY for 36 months
• 2.65% for 48 months
• 3% APY for 60 months

The bank also offers other CD rate terms. To earn the best CD rates, a CD must have a $500 minimum balance. Withdrawing money early results in a penalty.

The bank also offers CD rates for IRAs. Those CD rates include 2.15% APY for 12 months, 2.65% APY for 24 months, and 3.5% APY for 60 months. The bank offers other CD rates and terms for IRAs. The IRA CDs require a $500 minimum deposit.

Geddes Federal Savings and Loan has one office just outside of Syracuse, N.Y. The bank has been in business since 1949. The bank does not offer mortgages and services all of its accounts in-house.

National Bank of Kansas City has one of the best certificate of deposit (CD) rates for three year terms. A CD with a term of 36 to 47 months has an annual percentage yield (APY) of 2.45%.  Other CD rates, which are effective as of Jan. 29, include:

• 0.5% APY for 3 to 5 months
• 0.75% APY for 6 to 11 months
• 1.5% APY for 12 to 23 months
• 1.85% APY for 24 to 35 months
• 3.03% APY for 48 to 59 months
• 3.22% APY for 60 months

You can open a CD online. A switch kit can also be downloaded from the bank’s website that allows you to fax the application for a CD. The bank also offers CDs for IRAs. To open a business account, call or visit a bank branch. Other qualifications to get the best CD rates offered at National Bank of Kansas City include:

• $5,000 minimum opening deposit for a personal or business CD
• $4,000 minimum opening deposit for an IRA CD
• Minimum daily balance of $1
• Penalty for early withdrawal
• CD rates are subject to change at any time

If you’re holding out for the best CD rates going forward, sign up for the bank’s rate watcher service. The bank notifies you when CD rates reach your desired level.

National Bank of Kansas City is based in Overland Park, KS and has been in business since 1999.

The Momentum Savings Account at Ridgestone Bank has a 2.5% annual percentage yield (APY). The savings rate is for new accounts. Details of the offer include:

• $100 minimum deposit to open savings account
• Must also open a Momentum Checking Account
• No minimum to open checking account
• Must complete eight transactions in checking account during each statement cycle
• Set up automatic transfer of at least $100 from checking account to savings each month

The savings rate of 2.5% APY is for accounts with a balance of $2,500 to $49,999. The savings rate for balances of $50,000 and up is 1% APY. Balances below $2,500 have a 0.25% APY.

When you open the savings and checking accounts, you receive a combined monthly statement through the bank’s website. You get free online access and bill pay, as well as telephone access. You also get access to free ATM terminals nationwide with an ATM/debit card.

Ridgestone Bank also offers a cash bonus with the checking account. When you set up direct deposit into your checking account you get $50. You can also receive a free box of checks for a new account when you bring your old checks to the bank to be shredded.

Ridgestone Bank operates in the Chicago area and Southeastern Wisconsin.