Every bank bonus and card offer, checked against the bank's own page, ranked for real people.

Free to read, no account needed. Catalog last updated September 6, 2026.

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Browse:CheckingSavingsBusinessBrokerageBy stateCredit cardsAll banksWhat changed

Best right now

The same ranking the browse pages use. Review is our write-up of the terms, Offer goes to the bank.

Checking bonuses
Personal accounts, open nationwide, paid for routing a direct deposit.
Four Leaf Federal Credit Union$550
Direct deposit required within 90 days
Bank of America$500
$10,000 in direct deposits within 90 days
Wells Fargo$500
$1,000 in direct deposits within 90 days
Stanford Federal Credit Union$500
Direct deposit required within 90 days
PNC Bank$400
$5,000 in direct deposits within 60 days
All checking bonuses
Savings bonuses
Paid for parking money for a fixed number of days.
E*TRADE$400
Deposit $20,000 and hold it 85 days, about 12.6% effective
Chase$600
Deposit $15,000 and hold it 130 days, about 11.3% effective
Alliant Credit Union$100
Deposit $1,200 and hold it 375 days, about 8.1% effective
Credit card welcome offers
Personal cards, ranked by year one value after the annual fee.
American Express GoldUp to 100K MR
After $8,000 in 6mo
Capital One Venture X75K C1 miles
After $4,000 in 3mo
Citi Strata Premier60K TYP
After $4,000 in 3mo
American Express PlatinumUp to 175K MR
After $12,000 in 6mo
Chase Sapphire Preferred75K UR
After $5,000 in 3mo
What changed this week
New offers, offers that ended, and amount changes in the last 7 days.
Union Savings Bank
New offer, $506
Sep 4
Simmons Bank
New offer, $900
Sep 4
Sep 4
Sep 4
Sep 4
Peak Credit Union
New offer, $250
Sep 4
Everything that changed →
Expiring soon
Live offers with a published end date in the next 21 days.
Wells Fargo
$825, ends Sep 8
BMO
$400, ends Sep 8
U.S. Bank
$450, ends Sep 8
Wells Fargo
$825, ends Sep 8
Start Here

How to make $12,885 with money you already move

This walkthrough shows how paycheck bonuses, credit card welcome offers, and savings promotions fit together, and how Stacks OS turns them into one manageable plan.

Watch on YouTube →Subscribe on YouTube →Full video list (Notion) →
What We Cover

Three ways to make your money work harder

🏦
Bank Bonuses

Banks pay $100-$500+ when you open an account and set up direct deposit. Most people can earn $2,000-$5,000 per year just by rotating through the best offers.

Every checking bonus →
💳
Credit Card Rewards

Sign-up bonuses on credit cards can be worth $500-$2,000 each. With the right application order, your normal spending generates thousands in travel and cash back.

Every card offer →
💰
Savings Bonuses

Park your savings at banks offering bonus APY on top of interest. Effective rates of 9-16% are possible by timing your deposits with promotional windows.

Every savings bonus →
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Stacks OS

The tool I built to manage my own bonus rotation. It sequences your bank bonuses by paycheck, tracks credit card spending, and shows you exactly what to do next.

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From the Blog

Guides and reviews

About

Hi, I'm Nathaniel

I've been earning bank bonuses and optimizing credit card rewards for years. Fat Stacks Academy is where I share everything I've learned: the strategies, the data points, and the tools I use to stay organized.

On YouTube I break down individual bonuses, share my application strategy, and show my real results. On this site you'll find detailed reviews of every active bonus, and Stacks OS, the tool I built to manage my own bonus rotation.

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🔒
The Direct Deposit Cheat Sheet

What actually counts as a direct deposit at 53 banks. Fidelity, Schwab, ACH pushes, all in one printable table, verified.

Free. Unlocks instantly here and arrives by email.
Unlocking also subscribes you to the free weekly bonus newsletter. Unsubscribe anytime.