Share what is actually paying

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I got tired of lists that quote a headline number and never mention how much money you have to park or for how long, so I worked out the effective APY on each one.

Effective APY = bonus divided by the money you must park, annualized over the hold window. Full math and step by step instructions here:
https://churnables.com/

^(Rows marked ref use my referral link. Every offer is also listed with its public sign up path on the site.)

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Bonuses you can earn without a direct deposit

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Most bank bonuses assume an employer payroll feed. These do not. Every offer below pays out on a deposit, a transfer, a trade, or a spend requirement you control yourself, which makes them the right starting point for freelancers, gig workers, retirees, and anyone paid outside a normal payroll system.

Effective APY = bonus divided by the money you must park, annualized over the hold window. Full math and step by step instructions here:
https://churnables.com/for/no-direct-deposit

^(Rows marked ref use my referral link. Every offer is also listed with its public sign up path on the site.)

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Bonuses that need very little money up front

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Not everyone has five figures to move around. These offers tie up little or no capital, so the return comes from your time rather than your balance. They are the fastest way to start if you are working with a small cushion.

|Bonus|Payout|What you have to do|Effective APY|
|:-|:-|:-|-:|
|[Fifth Third Momentum Checking](https://www.53.com)|$350|Direct deposits totaling $500+ within 90 days.|283.9%|
|[Capital One 360 Checking](https://www.capitalone.com)|$250|Two direct deposits of $500+ in 75 days. Code CHECKING250.|202.8%|
|[Grasshopper Business Checking](https://www.grasshopper.bank)|$300|Qualified first deposit of $100+.|n/a|
|[Upgrade Rewards Checking](https://www.upgrade.com)|$200|3 debit card purchases. No direct deposit required.|n/a|
|[Suncoast Credit Union Member Checking](https://suncoastcreditunion.com)|$100|New member checking + qualifying activity. FL eligibility required.|n/a|
|[U.S. Eagle Federal Credit Union Personal Checking](https://churnables.com/go/useagle) ^(ref)|$50 cash each|Open a new personal checking account through a member referral link, then complete the qualifying account activity U.S. Eagle lists in the welcome terms (typically a direct deposit or debit-card usage inside the first 60 days). Membership eligibility is New Mexico based, so confirm you qualify before applying.|n/a|
|[Securityplus FCU Checking](https://www.securityplusfcu.org/)|$50 Amazon GC|Open checking + qualifying activity.|n/a|
|[Oregon State CU High-Rate Checking](https://churnables.com/go/oregonstate) ^(ref)|Up to $600 / yr|Qualifying debit activity + eStatements for elevated APY tier.|n/a|

Effective APY = bonus divided by the money you must park, annualized over the hold window. Full math and step by step instructions here:
https://churnables.com/for/small-deposit

^(Rows marked ref use my referral link. Every offer is also listed with its public sign up path on the site.)

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Bonuses that pay out fastest

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If you need the money soon, hold time matters more than headline size. These offers release the bonus quickest, measured from the day you finish the requirement.

Effective APY = bonus divided by the money you must park, annualized over the hold window. Full math and step by step instructions here:
https://churnables.com/for/fast-payout

^(Rows marked ref use my referral link. Every offer is also listed with its public sign up path on the site.)

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The largest sign-up bonuses we track

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The biggest headline numbers in America right now. Large bonuses usually mean larger deposits or heavier requirements, so each row shows the capital and the hold time next to the payout.

Effective APY = bonus divided by the money you must park, annualized over the hold window. Full math and step by step instructions here:
https://churnables.com/for/biggest-payouts

^(Rows marked ref use my referral link. Every offer is also listed with its public sign up path on the site.)

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Bonuses you can start today in under an hour

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Low friction, low capital, quick to finish. If you have an hour and a phone, start here.

|Bonus|Payout|What you have to do|Effective APY|
|:-|:-|:-|-:|
|[Fifth Third Momentum Checking](https://www.53.com)|$350|Direct deposits totaling $500+ within 90 days.|283.9%|
|[Capital One 360 Checking](https://www.capitalone.com)|$250|Two direct deposits of $500+ in 75 days. Code CHECKING250.|202.8%|
|[Chase Total Checking](https://www.chase.com)|$400|Direct deposit $1,000 within 90 days of opening.|162.2%|
|[Webull Brokerage / IRA](https://churnables.com/go/webull) ^(ref)|Up to $160 + 12 shares|First deposit $1,000+ (paid in installments), or 3% IRA match.|97.3%|
|[Grasshopper Business Checking](https://www.grasshopper.bank)|$300|Qualified first deposit of $100+.|n/a|
|[Upgrade Rewards Checking](https://www.upgrade.com)|$200|3 debit card purchases. No direct deposit required.|n/a|
|[Securityplus FCU Checking](https://www.securityplusfcu.org/)|$50 Amazon GC|Open checking + qualifying activity.|n/a|
|[American Express National Bank Rewards Checking](https://churnables.com/go/amex-bank) ^(ref)|20,000 Amex Membership Rewards points|Open Rewards Checking and receive qualifying direct deposits totaling the amount stated in the offer terms within the first 60 days.|n/a|

Effective APY = bonus divided by the money you must park, annualized over the hold window. Full math and step by step instructions here:
https://churnables.com/for/free-money-today

^(Rows marked ref use my referral link. Every offer is also listed with its public sign up path on the site.)

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Share what is actually paying

Three rules that keep this welcome

The whole board

Bonuses you can earn without a direct deposit

Bonuses that need very little money up front

Bonuses that pay out fastest

The largest sign-up bonuses we track

Bonuses you can start today in under an hour

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