About
I work in finance. I spend my days staring at numbers, and apparently my free time too — but the fun kind. A few years back a friend mentioned he'd flown business class to Europe for almost nothing. I didn't believe him. Then I looked into it, and here we are.
What I actually enjoy isn't the money — it's finding the crack in the wall. The transfer that works when it technically shouldn't. The bank that hasn't closed the loophole yet. The card that quietly bumped its bonus last Tuesday and nobody noticed. That's the part that keeps it interesting.
This site is my running list made public. The accounts I have open, the links I have, the data I've collected. I'm not a financial advisor, I'm not building a brand, and I'm not trying to sell you anything. I just like the hobby and figured sharing the list costs me nothing.
If something stops being worth opening, I remove it. If a bonus expires or a workaround stops working, I update it. The goal is that this list is always honest — even when honest means saying something isn't worth your time.
On referrals
If you open an account through one of my links, I may earn a referral bonus. You pay nothing extra. I list only accounts I've personally opened, and I'll always tell you about the downsides, not just the upside. I'm not a financial advisor — nothing here is financial advice. Bonus terms change without notice; always verify directly with the institution before applying. That's the deal.
FAQ
What are data points and how do I use them?
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Every listing has a
"+ data point" button. When you open an account and earn a bonus, you can come back and log what actually happened — what deposit method triggered it, when the bonus paid out, whether anything surprised you.
These show up publicly on each listing so the next person sees real outcomes, not just what the bank claims in the fine print. They're especially useful for the
deposit trigger question — whether a Schwab or Fidelity transfer actually counted as a direct deposit at that specific bank.
Here's what one looks like:
churnfan · Chase Total Checking · Mar 2026
Chase Total Checking — $400 received
Schwab ACH push of $650 counted as direct deposit. Bonus hit exactly 15 days after deposit posted. No issues.
Schwab ACH
Submissions are
anonymous by default. You can add a nickname if you want, but nothing identifying is stored or shown. I review all entries before they go live — usually within a day or two.
How often is the site updated?
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I check and update whenever something changes — in practice, a few times a week. Every listing shows a verified date so you can see when I last confirmed things were accurate.
A couple of things worth knowing: bonuses get pulled early — banks advertise an end date but often close offers ahead of schedule, especially on generous nationwide deals. If something looks good, don't sit on it. And amounts can change without notice — the verified date tells you when I last checked, but if it's been a few weeks on a hot offer, worth clicking through to confirm directly before applying.
Are these actually your referral links?
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Yes. Every link on this site routes through a redirect that fetches the URL server-side — there's no link farming or affiliate aggregation. If I list it, I've personally evaluated it and believe it's worth your time.