A quiet group of churners pulls in $500 to $1,000 a month from bank sign-up bonuses. No credit check is required, and the money is FDIC-insured. Open to any adult in America (households with two adults can double it!).
We hand you their hobbyist playbook: a personal queue of hand-picked offers actually worth your time - every deadline tracked - so you can do many at once - with nothing falling through the cracks.
You can — the offers are public. But they’re buried across bank account home pages, forums, Reddit threads, and hobbyist blogs, and most won’t fit your situation. And they’re quirky, requiring you to read the fine print or rely on strangers on the internet. Mistakes cost you the bonus and your time. We track it all - and keep everything tight with our interface - so nothing slips through and you walk away with the cold, hard cash in minimal time.
No. No one can legally open an account for you. But we tell you exactly where to navigate and what to click, so you’re routed through the correct process for the bonus to count. This will require about an hour each month to work through everything — and we’ll be right there with you.
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?
| Cash you float | You could earn in year one | Return on your cash |
|---|---|---|
| $1,000 highest yield | about $4,550 | 455% / year |
| $5,000 | about $10,000 | 200% / year |
| $7,500 best balance | about $11,600 | 155% / year |
| $20,000 most earned | about $15,675 | 78% / year |
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.
Offers move through clear stages — ready, in progress, done — so you always know your next move, never a wall of links.
Direct-deposit windows, minimum balances, hold periods — all tracked for you so you never miss a bonus on a technicality.
Ranked by what you’ll actually pocket — your payout against the effort and the cash each offer ties up. The duds and the fine-print traps never reach your feed.
No qualifying direct deposit? We show you how to split a paycheck or use a workaround — and which banks accept what.
We never ask for your logins or open accounts for you. We just tell you the moves — you make them.
You’re never on your own. Real people guide you through every step — from your very first offer to collecting your last dollar. Stuck? Hit the chat and a human answers, not a help-center maze.
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 deposits. You stay in full control the whole time — we never ask for your logins and we never open accounts for you. We just tell you which moves are worth making.
You don’t have to reroute your whole paycheck. Most payrolls let you split off just a small part of your direct deposit — most people don’t realize that. And for plenty of offers a simple bank-to-bank transfer counts as a “direct deposit” anyway; we flag exactly which banks accept which workaround. We also show the offers that need no direct deposit at all — so there’s always a path that fits you.
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 $4,500 in your first year; the sweet spot is around $7,500, which captures most of the board for about $11,600 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.
You build your full plan and see your projected year, with your top ready-to-go offer fully unlocked — so you can earn your first bonus before paying a cent. The rest of your queue stays locked until you upgrade to Pro.
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 churnable-help@proton.me.