 200 bucks to five grand. But before you take the plunge, you need to make sure the bonus you're considering is worth the effort. The keys to the value of a sign-up 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.