BankOn has a money market with a 2.05% annual percentage yield (APY), plus a $50 cash bonus. Money market accounts are available only to residents of Nebraska, Colorado, Kansas, Missouri, and Wyoming.

• Money market accounts only available online
• Automatic transfers from BankOn checking accounts
• No minimum balance after opening
• No checks
• Online statements only
• Mobile banking and telebank
• Use U.S. checking account, credit card, or debit card to fund money market

You must open both a BankOn money market and checking account to receive the $50 bonus. The $50 bonus is paid within 10 days of opening the account. Each household is limited to one bonus offer.

BankOn checking account requires a $100 minimum opening deposit and allows you to have an unlimited number of transactions. The checking account also must be opened online with the money market account. Other checking account features include free Visa check card with cash back rewards, Visa credit cards subject to credit approval, and free bill pay.

You must be a U.S. citizen or U.S. resident alien to open an account. Resident aliens need two forms of ID to open an account.

BankOn accounts are insured by the Federal Deposit Insurance Corp. The bank is part of Pinnacle Bank.

Savings rates are averaging about 1.32%, but TD Bank has an Elite Savings with a 1.5% annual percentage yield (APY). The offer expires Nov. 30, 2009, and is available when you open a new TD Bank checking account. Other details include:

• Minimum deposit of $10,000 in Elite Savings and checking account
• New customers can apply online, by phone, or in a branch
• Existing bank customers must apply by phone or at their local branch
• Promotional savings rate is guaranteed as long as $10,000 minimum daily balance is maintained
• Savings accounts insured by the Federal Deposit Insurance Corp. (FDIC)

At the end of the promotional three-month period, standard rates apply and can change at any time. If the minimum daily balance falls below $10,000, the APY is 0.8%, which is current as of Nov. 8, 2009. The bank also charges a $12 maintenance fee if the balance falls below $10,000. Any fees associated with the savings account can reduce the amount earned.

When you open checking and savings accounts you get free access to more than 5,200 TD Bank or TD Canada Trust ATMs. TD Bank also offers free online bill pay and free coin counting at its branches.

The deal only applies to consumer accounts and does not apply to IRA Elite Savings Accounts.

Open a checking account at Webster Bank and receive a cash bonus of up to $100. The bank offer is for residents of New York, Massachusetts, Rhode Island, and Connecticut. Other details of the offer include:

• Customer must complete one direct deposit, five Visa Check Card Signature purchases, or five online bill payments by Dec. 31, 2009
• Customer cannot have had a Webster checking account in the past 60 days
• Free online banking
• Bonus to be received by Feb. 19, 2010

Three checking accounts are eligible for the bonus promotion.The bank deals include a $25 bonus for opening a Totally Free Checking, which has no monthly fees or minimum balance requirements. This account requires a minimum opening deposit of $50.

The WebsterOne Relationship Checking offers a $50 bonus. This account has free ATM access at any bank with no Webster fee. However, there may be a charge from a non-Webster bank for using its ATM. The minimum opening deposit is $50 and deposits earn interest.

The Premier Checking offers a $100 bonus. The minimum opening deposit for this account is $500, and deposits earn interest based on current rates. If you are charged for using a non-Webster ATM, Webster Bank rebates the fees to you.

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.