Free — no credit card required
Find your most profitable
bank bonus in 60 seconds.
Banks pay $300–$500 to open an account. Stacks OS tells you exactly which one to do next for your paycheck, tracks every deadline, and adds up your haul — alongside a crew clawing $1,000,000 back from the banks.
Free to track every bonus. Upgrade to Pro ($5/mo) for the personalized queue that ranks checking, savings, and card bonuses and re-sequences as offers change.
742
live bonuses in the catalog
$300-$400
typical first bonus
🎭 Track your bonuses and join the Polite Heist Society — a pseudonymous scoreboard where the crew races to out-bank the house.
Join the Society →Three steps. Repeat.
No gimmicks. Just a system.
01
Open the account
Stacks shows you the best bonus for your paycheck. Click the link and open the account — takes about 10 minutes.
02
Route your direct deposit
Update your direct deposit to the new account. Your regular paycheck handles the requirement — no extra money needed.
03
Collect your bonus. Repeat.
Once a bonus posts, move to the next bank. Stacks tracks your progress and keeps the queue updated.
Everything handled in one place
No spreadsheets. No blog tabs. No forgetting deadlines.
Browsing the catalog, tracking your bonuses, and manual entry are free. The Sequencer — which ranks and schedules bonuses for you — and the multi-year projection are Pro (tagged below).
Full researched bonus catalog
Every current offer with complete requirements — deposit amounts, deadlines, fees, and eligibility. No more digging through blogs, forums, and Reddit.
Step-by-step checklist for every bonus
Each bonus is broken into simple steps. Check them off as you go. Always know what to do next.
Never miss a requirement
Track deposit amounts and deadlines so bonuses don't slip through the cracks.
Know when you're eligible again
Stacks tracks each bonus's cooldown and counts down the days until you can earn it a second time. No spreadsheet formula required.
Lifetime earnings + history
Every bonus you've earned, totaled automatically, with a full record of what you've completed.
One dashboard for everything
See what's in progress, what's next, and what's cooling down — all in one place.
Know which bonus to do nextPro
Stacks ranks checking, savings, and credit-card bonuses for your situation and tells you which one to start next. No guessing which bank to try.
3-year earnings projectionPro
See your projected bonus earnings before you even start. Updated as you complete bonuses.
Bonuses ranked by valuePro
Stacks OS prioritizes the highest-value bank bonuses available. Recommendations are based on profitability and requirements — not affiliate payouts.
How your bonus plan is built
Every recommendation is calculated — not curated.
1
Profitability
Bonuses are ranked by net payout after deposit requirements, holding periods, and fees. The highest-value opportunities come first.
2
Eligibility
Each bonus is matched to your paycheck amount and frequency. Offers you can't qualify for don't show up in your plan.
3
Sequencing
Cooldown periods are factored in so your next bonus is always ready to start when the current one finishes.
Sign up free. Start tracking bonuses in 30 seconds.
No credit card. Upgrade to Pro anytime for the personalized checking, savings, and card queues.
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.
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 score?
Most checking account bonuses don't require a hard credit pull. We flag the ones that do so you can decide.
Will opening these accounts hurt my credit?
Most bank bonuses involve opening checking or savings accounts and do not affect your credit score. Some banks may check your banking history through ChexSystems instead.
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.
What if a bonus offer changes?
Stacks OS aggregates publicly available information. We recommend verifying terms with the bank before applying. Offers can change at any time.
Do taxes or fees reduce these bonuses?
Most bank bonuses are treated as taxable income and may be reported on a 1099-INT or 1099-MISC by the bank. Some accounts may also have monthly fees if requirements are not met. Stacks OS highlights common fee-avoidance options for each bonus and helps you track the requirements needed to earn the reward. Always verify the terms directly with the bank before opening an account.
Why most people stop after 1–2 bank bonuses
The bonuses are real. The tracking becomes the problem.
Tracking in a spreadsheet
✕Checking blogs and Reddit for new bonuses
✕Trying to remember deposit requirements and deadlines
✕Losing track of which account is next
✕Forgetting when bonuses post
✕Running out of bonuses to do
Stacks OS — free
✓Full researched catalog with every requirement
✓Clear checklist for every bonus
✓Dashboard shows what's in progress and cooling down
✓Track deposits and deadlines automatically
✓Cooldown countdowns show when you're eligible again
Example bonus roadmap
A typical sequence for someone with a $1,500 biweekly paycheck.
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
$50/yr
One average $400 bonus pays for 8 years of Pro
The example plan above earns $1,450 in year one.
Start with Pro →Everything in Free, plus:
✓Paycheck queue — checking bonuses ranked by net payout
✓Savings sequencer — HYSA & savings bonuses ranked by APY
✓Spending sequencer (Beta) — credit-card bonuses ranked by net value
✓Auto-sequencing with cooldown + eligibility logic
✓3-year earnings projection
✓Tax summary tools
Decided? Create your account right here.
Free to start. No credit card required.
Your first bonus is waiting
Sign up free in 30 seconds. No credit card.
Start free →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.