This is the sequence that collects every one you're eligible for — almost never touching your employer paycheck. Which account to open, which transfer counts as a "direct deposit," when the clawback window closes, and the exact date to exit. Maintained as offers change. Matched to your idle cash.
Correct. And you don't have to — which is the single thing most people don't know about these bonuses.
Every offer says "direct deposit required," and that phrase is where most people close the tab — because it sounds like a chore that touches HR: log into the payroll portal, split your paycheck, remember to switch it back three months later, then do it all over again for the next bank. Nobody runs twelve of those a year, so the money stays on the table.
Here's what the banks don't advertise: payroll almost never has to be involved. A one-time transfer from an account you already have — a brokerage, or often just another bank account — registers as a qualifying direct deposit at most banks, when it's sent the specific way that bank expects: pushed from the sending side, from an institution reported to code correctly, so it lands as a deposit instead of a person-to-person transfer. The flagship sequence below clears a $10,000 requirement with ordinary transfers between accounts you already own — sent the specific way that codes correctly. No HR ticket, no payroll edit, nothing to remember to undo. (And at the rare bank that's stricter, the calendar says so plainly and hands you that bank's clean path instead of letting you burn a 90-day window on a transfer that won't code.)
The catch — and the reason this product exists — is that the "specific way" is different at every bank. A method that sails through one bank silently fails at another, the banks publish none of it, and a transfer that doesn't code correctly means a bonus that never posts. Knowing which method works at which bank, this month, is the deposit-method matrix — the spine of every calendar we publish.
Roughly 4% interest. Fully passive. This is where most idle cash sits.
A bit less interest — cash cycles through 0% checking — plus $2,000–$3,200 in bonuses banks are currently paying.
Open on schedule, send the right transfer, close on the exit date. The calendar does the thinking.
This sequence is running in our own accounts right now. Every row below is exactly what buyers get — except one. The claims you can check are linked to the bank's own page; the row you can't is the product.
// Eleven more months like this one. The method row unlocks at checkout.
Seven-plus offers like the one above are live right now — Bank of America, Chase, Wells Fargo, BMO, Huntington, KeyBank, U.S. Bank, Capital One, SoFi. The hard part was never finding them. It's running them concurrently without mistakes: which transfer codes correctly at which bank, whose clawback window closes when, which fee needs waiving this month.
If you already read the churning forums every morning, you don't need this — everything in the calendar can be assembled free from public sources plus a few hundred hours of your attention. This is for people who want the yield without the hobby.
Almost never. What banks actually require is a deposit that codes as a direct deposit, and at most banks a one-time push from an account you already have does exactly that — a brokerage at some banks, a plain bank account at others — when it's sent the specific way that bank expects. No HR ticket, no paycheck split, nothing to switch back later. The rare strict bank — Chase, currently — is flagged in your calendar with its clean path (a one-cycle paycheck split) or routed around entirely; your calendar never leaves you guessing which kind of bank you're facing. That knowledge is most of what you're paying for.
Yes. These are published promotions — banks budget bonuses as customer-acquisition marketing, the same way they budget ad spend. What banks dislike is customers who close accounts early, which is exactly why every sequence carries a hold rule and an exit date.
You never misstate anything to anyone. You send an ordinary transfer between your own accounts; the bank's own systems decide whether it codes as a direct deposit — that classification is theirs, not yours. The realistic downside isn't a penalty, it's a transfer that doesn't qualify and a bonus that doesn't post. And since banks publish none of this, method claims on this page are built from reported datapoints, not promises — which is why they're worded as "reported to work," why the matrix is re-verified weekly, and why the guarantee exists.
No — that's the point of sequencing. Seven-plus offers are live at any given moment across different banks, and your calendar simply routes around any bank where you're ineligible. An existing account eliminates one lane, not the system — the two questions at checkout are how the calendar knows which lanes are yours.
Checkout asks two questions: your idle-cash band, and which banks you've held checking accounts with in the last 24 months. Your calendar is assembled from those answers — lanes you're locked out of never appear. Then, within the hour: a welcome email with your cash-track calendar, the calendar-feed link for your phone, and your first week's tasks. From then on, one short email a week plus reminders that fire from your own calendar. There is no portal to log into, and if your history rules out a lane later, reply to any weekly email and the slot gets re-routed.
The weekly emails and the live feed stop. Everything already delivered stays in your calendar and remains yours; alerts on any account still inside a hold window continue until it closes. Year two is a new purchase at the then-current price — never automatic. There is nothing to cancel because nothing renews.
Almost never. Checking and savings accounts are screened against deposit databases like ChexSystems — a soft inquiry, no score impact — at every bank in the calendar. The rare banks that do run hard pulls for deposit accounts are flagged in your sequence and easy to route around. (Credit card churning is a different sport — this isn't it.)
You can — every offer is public, and the churning forums document methods if you enjoy a few hundred hours of research. What you're buying is the sequencing, the maintenance, and the not-missing: no transfer that fails to code, no fee you didn't waive, no account closed four days inside its hold window.
You get the amendment immediately; on the Full Sequence and Household tiers, a replacement offer fills the slot (First Quarter members get the amendment and alert). Banks change terms constantly; keeping up with them is a large part of what you're paying for.
About 90 minutes a month once running: an account opening or two, a scheduled transfer, an exit. The calendar tells you which day; the tasks themselves are small.