Churnables
16 of 58 bonuses

Checking, sorted by effective apy

Checking• Referral live

SoFi

Checking & Savings
$50 – $400
No lock

Direct deposit $1,000 for $50, or $5,000 for the full $400 within 25 days.

Ease 8/10 · 2–4 weeks after DD postsDec 31, 2026
Direct deposit
DetailsClaim →
Checking

Chase

Total Checking
$400
No lock

Direct deposit $1,000 within 90 days of opening.

Ease 7/10 · ~15 days after DDEnds in 8d
Direct deposit
DetailsClaim →
Checking

Capital One

360 Checking
$250
No lock

Two direct deposits of $500+ in 75 days. Code CHECKING250.

Ease 7/10 · ~60 daysNo expiration
Direct deposit
DetailsClaim →
Checking

Bank of America

Advantage Banking
Up to $500
No lock

Direct deposit $2k / $5k / $10k for $100 / $300 / $500.

Ease 6/10 · ~60 daysSep 30, 2026
Direct deposit
DetailsClaim →
Checking

PNC

Virtual Wallet
Up to $400
No lock

Direct deposit $500 / $2k / $5k for $100 / $200 / $400.

Ease 6/10 · 60–90 daysAug 31, 2026
Direct deposit
DetailsClaim →
Checking

Fifth Third

Momentum Checking
$350
No lock

Direct deposits totaling $500+ within 90 days.

Ease 7/10 · ~10 business daysNo expiration
Direct deposit
DetailsClaim →
Checking

Upgrade

Rewards Checking
$200
No lock

3 debit card purchases. No direct deposit required.

Ease 9/10 · after activityNo expiration
Direct deposit
DetailsClaim →
Checking• Referral live

Suncoast Credit Union

Member Checking
$100
No lock

New member checking + qualifying activity. FL eligibility required.

Ease 5/10 · after activityNo expiration
Direct deposit
DetailsClaim →
Checking• Referral live

Securityplus FCU

Checking
$50 Amazon GC
No lock

Open checking + qualifying activity.

Ease 8/10 · after activityNo expiration
Direct deposit
DetailsClaim →
Checking• Referral live

Oregon State CU

High-Rate Checking
Up to $600 / yr
No lock

Qualifying debit activity + eStatements for elevated APY tier.

Ease 6/10 · monthly interestNo expiration
Direct deposit
DetailsClaim →
Checking• Referral live

Associated Bank

Personal Checking
Referral bonus
Match

Open Associated personal checking via referral.

Ease 6/10 · after activityNo expiration
Referral / match
DetailsClaim →
Checking• Referral live

Wings Financial

Credit Union Checking
$50
Match

Open Wings checking via referral + qualifying activity.

Ease 6/10 · after activityNo expiration
Referral / match
DetailsClaim →
Checking• Referral live

Digital FCU (DCU)

Membership
Referral bonus
Match

Join DCU + qualifying activity.

Ease 7/10 · after fundingNo expiration
Referral / match
DetailsClaim →
Checking• Referral live

OnPath FCU

Credit Union Checking
Referral bonus
Match

Open OnPath checking via referral.

Ease 6/10 · after activityNo expiration
Referral / match
DetailsClaim →
Checking• Referral live

Affinity FCU

Credit Union
Referral bonus
Match

Join Affinity FCU via referral.

Ease 7/10 · after fundingNo expiration
Referral / match
DetailsClaim →
Checking• Referral live

Albert

Banking App
Referral bonus
Match

Sign up + fund account.

Ease 9/10 · after fundingNo expiration
Referral / match
DetailsClaim →