We give you the playbook, customized for you. No credit check required. No digging around in forums to find the deals.
| Cash you float | You could earn in year one | Total back in your pocket | Return on your cash |
|---|---|---|---|
| $1,000 highest yield | about $1,700 | about $2,700 | 170% / year |
| $5,000 | about $4,250 | about $9,250 | 85% / year |
| $7,500 best balance | about $5,050 | about $12,550 | 67% / year |
| $20,000 most earned | about $7,050 | about $27,050 | 35% / year |
Sure can! But they’re buried in Reddit pages, closed communities, bank websites etc. We find the best ones and read the fine print for you. You just open the account and collect the cash.
No. No one can legally open an account for you. But we tell you exactly where to navigate and what to click so you don't have to read the fine print.
Most payroll platforms these days (ADP, Gusto, Paychex) let you split off portions of your direct deposit to different bank accounts without ever going through HR (we'll walk you through this).
And if you’d rather not touch your paycheck at all, there are workarounds — namely a one-time push transfer from another bank, or a deposit out of a brokerage like Fidelity, which most banks count as a “direct deposit.” We flag exactly which banks accept which method, plus the offers that need no direct deposit whatsoever.
No. These are mainstream, American banks and institutions that are trying to attract your business. They offer the incentive in the hopes that you’ll stay — and if you find a bank you especially like, you just might!
No. Side-gig money nerds have been doing this for years — gatekeeping it, making that extra residual income every month. Could your household use $500–$1,000 in cash every month?
Answer a few questions and you’ll have a working plan in under a minute.
Which banks you’ve used in the last two years, whether you can move a direct deposit, and how much cash you can float. About thirty seconds.
We line up the live offers you actually qualify for, ranked by what you’ll net - and read the fine print so you don’t miss a single requirement.
We guide you through each offer’s milestones step by step, telling you exactly what to do next — hit the bonus and watch your ledger grow. When a bank’s waiting period clears, it comes back around.
Start free and earn your first bonus. Upgrade when you’re ready to unlock the rest of your queue.
Yes. Bank sign-up bonuses are offers the banks themselves advertise to win new customers. They understand that you may or may not keep the account - it's common to opt out after receiving the bonus.
Yes, there are workarounds - the biggest are that transfers from brokerages typically code as direct deposit. Additionally you should know that typical platforms let you re-route parts of your direct deposit at will. And if you don't like either of those options, we'll find offers that are satisfied with a simple bank to bank transfer.
No. These are bank deposit-account bonuses — checking, savings, and brokerage — not credit cards, so they generally don’t involve a hard credit pull. We tell you what to expect before you start each one.
Less than you’d think — and some offers need no held balance at all. With about $1,000 you could earn roughly $1,700 in your first year; the sweet spot is around $7,500, which lifts that to about $5,050 a year. You tell us what you can comfortably set aside and we only surface offers that fit. Your money is never spent — it parks briefly, triggers the bonus, then comes back to you.
Just your $99 a year — it’s a subscription, nothing else. No upsells, no selling your data, no catch.
Generally, you can "churn" through banks every couple of years, reopening them after the timeout. Some offers let you churn multiple times in a year.
Build your free plan and see, in under a minute, exactly what you could make this year — free, with no card and no obligation.
Check out the dashboard →A real person will get back to you. Or email help@churnable.net.