How many bank bonuses can I open at once?

Most people comfortably run two to four at a time. The limit is not the banks, it is your ability to track each qualification window. The builder caps the stack so every deadline stays manageable.

Do I need a direct deposit for every bonus?

No. Roughly half of the offers on Churnables pay on a deposit or a balance instead. Turn the direct deposit switch off and the builder will only use offers you can finish without one.

Will opening several accounts hurt my credit score?

Checking and savings bonuses usually use a ChexSystems check rather than a hard credit pull, so they do not move your score. Credit card bonuses do involve a hard pull.

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