Frequently asked questions

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What is bank bonus churning?: Bank bonus churning is the practice of opening eligible bank accounts like personal checking accounts or savings accounts, completing the bank’s promotional requirements, receiving the advertised bonus, closing the account, then doing it again at the same bank year after year. The Bank Bonus System teaches a structured way to evaluate and manage these offers.
How much can I earn from bank bonuses?: Results vary based on offer availability, location, and your ability to complete the stated requirements. The course teaches the process and provides tools to complete the stated requirements, but it does not guarantee any specific earnings. Most students earn between $3,000 and $5,000 in their first year. Many households report earning over $10,000 annualy from this system.
Is bank bonus churning legal?: Absolutely! Opening bank accounts like checking and savings accounts specifically to earn their publicly offered promotions based on the bank's terms and conditions is completely lawful. The course teaches how to do the minimum amount of work to earn the biggest bonuses over and over again. The course does not teach or encourage violating laws of any kind.
Can it negatively effect my credit score?: NO! Unlike credit card churning, the Bank Bonus System completely avoids any impact to your credit score by focusing on deposit accounts like checking and savings accounts. Good credit is also not a requirement to successfully earn bonuses.
Will banks close my accounts for doing this?: No! Banks literally offer these bonuses because they want new customers. Ideally those new customers stick around for a while so the bank can make more of a profit on them, but they totally expect that many customers like us won't stick around for forever. Disclaimer: banks generally retain broad discretion to restrict or close accounts at any time for any reason. The course can not guarantee that an account will remain open.
How quickly can I earn my first bonus?: Timing varies by bank. Some bonuses may post within a few weeks after the requirements are completed, while others can take up to six months. The course shows you how to identify the expected timeline before opening an account. The first bonus the course guides you through is typically deposited to your account in 60-90 days.
Do I need to be employed to earn money from this system?: No. Not every offer requires direct deposits, and requirements vary by bank. The course explains how to read each offer’s terms and evaluate whether you can satisfy them. We also teach techniques to trigger direct deposit qualifications even though you may not be employed or in case, god forbid, you lose your job while executing the system.
How risky is the Bank Bonus System?: A major benefit of the Bank Bonus System is you don't have to risk any of your own money like you would with stocks or starting a business. All "risks" in the Bank Bonus System are purely execution risks, such as not staying very organized and missing opportunities to earn bonuses.
How much money do I need to get started?: The Bank Bonus System requires essentially $0 to start. You can earn bonuses from many accounts with less than $50 in cash. More important than cash is having some sort of direct deposit i.e income from a benefits provider whether that be an employer, the government, or self-employment income.
What tools and templates are included in the course?: The course includes personalized tracking and planning resources designed to help you organize account-opening dates, requirements, deadlines, deposit timelines, expected payout dates, account-closing considerations, and more. We also have a Master Tracker that lists all the current bonuses we know are available all accross the U.S.A so you don't have to spend time finding the best bonuses.
Can I get a refund?: Absolutely. You pay the full course price at checkout and begin with Module 0. After completing Module 0, if you get the feeling the course is not a good fit for you, you may request a full refund within the stated refund period (90 days) that will be automatically processed. Continuing beyond Module 0 ends refund eligibility. There is a questionare at the end of Module 0 that will encourage you to decide to continue or request a refund. Please view the refund policy terms page for the most up-to-date refund policy.
How long will I have access to the course?: If you don't request a refund, you receive lifetime access to the course and all future updates to course content are included.