Free — no credit card required

Find your most profitable
bank bonus in 60 seconds.

Tell Stacks what money comes in and what cash you can comfortably move. It finds the strongest first bonus, explains every requirement, and tracks the deadline until the cash lands.

Calculate my earning potential →See $99 Pro

Preview your projected opportunity before you pay. Pro ($99/yr) unlocks the complete ordered plan and keeps it updated.

732
live bonuses in the catalog
$300-$400
typical first bonus
Stacks OS founder holding bank bonus statement
Loading live total…
Checking what members have completed
Start free →
Daily offer watch

Stacks checks for a better deal every day.

Plan-critical bank offers are checked first each morning. The rest of the catalog rotates through a seven-day sweep for elevated payouts, expiring promotions, fee changes, and new requirements. Confirmed changes flow into the rankings and your next plan refresh.

Every day
new and elevated offers scanned
30
plan-critical bank offers checked first
7 days
full catalog verification cycle
One $100 elevated-offer improvement can cover the full $99 year of Pro.

Three steps. Repeat.

No gimmicks. Just a system.

01
Tell us what you can use
Enter your state, incoming deposits, and any cash you can comfortably move. Estimates are enough.
02
See your best first move
Stacks previews the most profitable starting point and the opportunity available from your situation.
03
Unlock the complete order
Pro sequences the remaining bonuses, tracks every requirement, and adjusts when offers or eligibility change.
One clear answer

Stacks handles the complexity behind the scenes.

You should not have to choose a strategy mode. Stacks combines the money coming in with cash you can move, then looks for the strongest profit with the least unnecessary work.

Your inputs
Paycheck + movable cash
Use a paycheck, retirement deposits, cash you can move, or any combination. Enter $0 where something does not apply.
The decision
Profit without pointless hassle
The plan weighs net payout, fees, deadlines, account count, deposit capacity, and offer eligibility—not affiliate commissions.
Player 2
One referral can pay for Pro
One $99 annual membership models both adults and puts Player 1 ↔ Player 2 referral links into the strategy. A single qualifying $100 cross-referral can cover the full year—before Player 2's own bonus lands.
See what my situation can earn →

Already know which bonus you want?

Use the free tracker for any bonus you choose. No credit card required; upgrade when you want Stacks to build and maintain the order.

Already have an account? Sign in

Not just checking — savings too

The catalog and sequencers cover checking, savings, and brokerage bonuses — ranked by what actually pays you most, for your state and your cash.

Stacks OS catalog showing checking bonuses available in Georgia, each with its direct-deposit requirement
Checking bonuses for your state — every requirement spelled out
Stacks OS savings sequencer showing savings and brokerage bonuses ranked by effective APY with a projected total
Savings & brokerage bonuses ranked by effective APY

Common questions

Is this legal?
Yes. Bank bonuses are promotional offers banks use to attract new customers. They want you to sign up.
Do I need extra money?
Not usually. In many cases, your deposit only needs to pass through the account. You can often transfer the money back to your main bank after it arrives, as long as the bank requirements are met.
Will this affect my credit?
Most checking and savings bonuses do not use a hard credit pull. Some banks check banking history through ChexSystems instead, and Stacks flags known exceptions.
How much time does this take?
Opening an account takes 10–15 minutes. After that, you're just checking off steps as they happen. The system tells you when to act.
Do taxes or fees reduce the payout?
Bank bonuses are generally taxable, and account fees can reduce the profit if you miss a waiver. Stacks shows known fees and common waiver paths so you can compare net value before applying.

Example bonus roadmap

A typical sequence for someone with a $1,500 biweekly paycheck.

1ChaseStart here
$400
2Wells Fargo
$400
3U.S. Bank
$450
4Varo
$100
5Affinity Federal Credit Union
$100
12+ bonuses available in a typical yearly plan
Stacks OS tracks nationwide bonuses worth your time.

Free does the tracking. Pro does the thinking.

Free replaces your bonus spreadsheet. Upgrade to Pro when you want the sequencer to rank and schedule what to do next.

Free
Replaces your bonus spreadsheet
$0
No credit card required
Start free →
✓Full researched catalog — every requirement, fee & deadline
✓Track any bonus you start, step-by-step
✓Deposit + deadline reminders
✓Cooldown countdown — when you're eligible again
✓Lifetime earned + full history
RECOMMENDED
Pro
The sequencer — tells you what to do next
$99/yr
One average $400 bonus pays for 4 years of Pro
The example plan above earns $1,450 in year one.
With a similarly eligible Player 2: up to $2,900 before referral payouts. One qualifying $100 cross-referral can cover the $99 year by itself.
Calculate my plan first →
Everything in Free, plus:
✓Paycheck and movable cash modeled together
✓Profitability balanced against effort and account count
✓Checking, savings, brokerage, and card opportunities
✓Daily elevated-offer monitoring and automatic plan refreshes
✓Automatic state, eligibility, and cooldown logic
✓P1 ↔ P2 referral links and household sequencing under one membership
✓3-year projection, deadline tracking, and tax summaries

See the money before you buy

Calculate your opportunity first. Unlock the complete sequence only if the numbers make sense.

Calculate my earning potential →

Bonus offers, requirements, and fees are determined by each financial institution and may change at any time. Always verify the current terms directly with the bank before applying.