How it works
How we verify every offer
Bank bonus lists online go stale fast, and one wrong detail can cost you the whole bonus. So every offer in your plan comes from the bank's own terms, and we keep checking it.
1. The bank's own page, nothing else
We read each offer on the bank's website: the amount, which states qualify, exactly what counts as a direct deposit, the deadline, monthly fees and how to avoid them, how long to keep the account open, and who isn't eligible. Blogs and bonus lists help us find offers, but never supply the details.
2. Read twice, quoted word for word
Every detail is pulled twice, separately, with the bank's exact wording saved next to it. If the two reads don't match, the offer doesn't go live until a quote settles it.
3. Re-checked twice a week
We go back to every bank's page twice a week. If an offer changes, we update it. If it ends, it leaves your plan. If an offer hasn't been re-checked in 14 days, it's hidden automatically, so you never act on stale terms. The oldest check live right now is from October 19, 2026.
4. What we leave out on purpose
- Offers that only work through someone's referral link
- Offers limited to certain counties we can't confirm you live in
- Offers whose terms say you can be denied for how you found the page
- Offers ending too soon to finish the steps
5. Nobody pays us to include a bank
Banks don't pay us, and we don't use affiliate or referral links. Your plan is ranked only by what puts the most money in your pocket, soonest. We never ask for your bank logins, account numbers or Social Security number.