Banks pay $200–$700 to acquire your account. 500+ institutions mapped with every bonus, requirement, difficulty rating, and churn window. $2,500+ per year from doing nothing but opening accounts.
Every bank bonus follows the same playbook. The only variables are the requirements and your timing.
Opportunity → Active → Cooling Down. The app tracks where every bank stands — automatically.
Everything you need to research, execute, and track — in one command layer.
Every offer is rated before you commit. Don't open a Hard bank and be surprised by the requirements.
Yes. Bank Rewards is 100% free. No subscriptions, no in-app purchases, no paywalls. The full 500-bank database, all difficulty ratings, all churn tracking, and all step-by-step mission coaching is available at no cost on iOS, Android, and web.
Bank Rewards maps 500+ banks — every major national bank, regional bank, credit union, and fintech offering account bonuses. The database is continuously updated as new offers launch and existing ones expire. You see current, verified offers only.
Banks pay cash bonuses — typically $200–$700 — to attract new account holders. The bonus is paid after you meet simple requirements: usually setting up direct deposit, maintaining a minimum balance, or completing a certain number of transactions within a set window. The money is yours to keep, and you can close the account once the bonus posts and the churn cooldown expires.
Most bank bonuses do not require a credit check. Many use ChexSystems (not a credit bureau) to verify banking history. Bank Rewards flags every offer as soft pull, hard pull, or no pull — so you always know the credit impact before you apply. Soft pull and no-pull banks can be stacked without affecting your credit score.
Bank churning is the practice of systematically opening bank accounts to earn signup bonuses, meeting the minimum requirements, collecting the bonus, and then closing the account — then repeating the process at the same bank after the churn cooldown expires (typically 12–24 months). Bank Rewards tracks every churn window automatically so you never miss a re-eligibility date.
Beginners hitting 3 easy banks per year can collect $1,200+ with minimal effort. Systematic operators running 10–12 national and regional offers per year average $5,000+. Full-stack operators stacking personal and business accounts at high-EV targets can exceed $12,000 annually. Bank Rewards shows projected annual take based on your active and queued operations.
The main risks are ChexSystems entries from closed accounts and hard credit pulls from certain banks. Bank Rewards flags every bank's pull type and helps you space operations to avoid ChexSystems flags. The bonuses themselves are legitimate — banks offer them knowingly as a customer acquisition cost. There is no illegality in collecting bank bonuses.
Yes. Bank bonuses are generally reported as interest income and are taxable. Banks that pay bonuses of $10 or more will typically issue a 1099-INT. Consult a tax professional for your specific situation. Bank Rewards is an operational tool and does not provide tax advice.
Checking bonuses typically require direct deposit activity. Savings and money market bonuses usually require a minimum deposit held for a set period. Bank Rewards filters both types and lets you work checking and savings bonuses in parallel — they don't compete for the same resources.
Manually tracking 500 banks, their requirements, their DD minimums, their credit pull types, their state availability, their churn windows, and their current offer status is unworkable. Bank Rewards centralizes all of it, filters to what's relevant for your situation, and tracks your active operations automatically. What used to require spreadsheets and browser tabs now runs in one command layer.
Bank Rewards is built by War Room LLC — a company building intelligence-based command centers for extracting value from modern financial systems. Bank Rewards is Engine 02 on the War Room platform. Learn more at war-rooms.com.
Filter to your state. Pick your difficulty. Open the account. Collect the bonus.
The only thing between you and the money is execution.