 The keys to the value of a signup bonus is the length of time you have to hold the account, charges for early withdrawal, and your risk tolerance. Oftentimes, you might be able to make more with something like a high-interest savings account. When opening an account with a new bank, review the ongoing fees or requirements to maintain the account. Another thing to consider is the cost worth it to switch everything over from your current bank. If you're paying fees at your bank, you might consider seeing what other options are out there.