Reddit r/churning Favorite: Built for High-Velocity Churners

Turn Bank Bonuses Into
Your Side Income

Discover, track and automate $4,700+ in cash bonuses. Our AI does the heavy lifting — you keep the money.

🔒 Bank-grade security  ·  3-day free trial  ·  No credit card

$4,700+
Average annual earnings per member
217+
Live bank bonus offers tracked
91
Days fee waived per offer signup
3 days
Free trial — no credit card needed
Everything you need

The full bonus-hunting
toolkit, automated

From discovering offers to collecting the cash — every step handled for you.

🏦
$400+ Personalized Offer Feed
Link your bank securely and instantly see only the offers you're eligible for — sorted by value. Offers from banks you already have are automatically hidden.
🤖
AI Bonus Agent
GPT-4o powered assistant that tells you exactly which 3 banks to open based on your capital, risk profile, and timeline. Ask it anything about your strategy.
⚡
DD Flow Engine
Meets direct deposit requirements automatically with a 91-day ACH cycle: push → pull → repeat. Powered by ACH automation. Set it once, then forget it.
📊
ROIC Calculator
See your exact return on invested capital for every offer. Compare APY equivalents across your active accounts and projected bonus timelines side-by-side.
🔍
EWS & ChexSystems Monitor
1,004+ public endpoints monitored every 6 hours — CFPB, Reddit, DoC, bank newsrooms, and regulators. Instant alerts when bank policies change.
🛡️
Bank-Grade Security
OAuth bank linking with read-only access. No passwords stored. HMAC-signed visitor tokens. Your credentials never touch our servers.
Simple process

From zero to earning
in under 5 minutes

1
Connect Your Bank
Link any bank account via our secure 60-second OAuth flow. This unlocks your personalized $400+ offer feed and starts your 3-day free trial instantly.
2
Pick Your Offers
Browse offers filtered for your exact profile. The AI agent recommends the highest-ROI stack based on your available capital and how many accounts you can manage.
3
Sign Up & Earn Waiver
Sign up for one offer through the platform and your $99/mo fee is automatically waived for 91 days — giving you time to collect the bonus risk-free.
4
Let DD Flow Engine Run
Our scheduler meets direct deposit requirements automatically via ACH. Bonuses post to your account — typically $300–$600+ per offer.
Yield Optimizer Simulator

See how much you can earn.

Adjust your capital and account appetite to see the AI agent's projected yield enhancement compared to regular savings.

Available Capital (Float) $10,000
Accounts & Cards / Year 4 Accounts & Cards
Estimated Annual Earnings
$1,460
14.6% Effective APY vs 5.2% standard APY
Bank Sign-up Bonuses $700
Credit Card Rewards $500
High-Yield Savings Yield $260
Deploy Your Capital Stack
Transparent pricing

Pay for what you earn.

Start free — $99/mo discount credit applies to campaigns. Tax included through 1/1/2027

Trial
Explore the platform and custom offers risk-free.
$0/3 days
  • ✓ Full Command Center access
  • ✓ Campaigns (locked preview)
  • ✓ Custom Offers page (200+ live)
  • ✓ Big Bank Bonus Report
  • ✓ 36-Month Planner
  • ✗ Run campaigns
  • ✗ AI Agent / Email alerts
Membership
Member
Discount credit per campaign. Max 5 per 91-day window.
$99/mo
Credit card only
Applies $99 credit to each campaign (max 5 / 91 days)
💳

Pay what you earn: Your $99/mo credit reduces campaign fees from $198 to $99. Unused credit lapses monthly. Campaigns beyond 5 per 91 days run at full $198.

  • ✓ $99/mo campaign discount
  • ✓ Unlock all campaigns
  • ✓ AI Bonus Agent (GPT-4o)
  • ✓ DD Flow Engine
  • ✓ Account Monitor
  • ✓ Email Alerts
  • ✓ Priority Support

Charged on day 4 after trial. Cancel anytime.

Per Campaign
Automate one bank bonus from start to finish.
$99/$198 list
After $99 credit applied
ACH at checkout + $5,000 working capital
🏦

What's included: AI bank signup, $100 seed deposit, new account monitor, live DD scheduler, and everything you need to earn the bonus.

  • ✓ AI bank account setup
  • ✓ $100 seed deposit
  • ✓ Account Monitor (live)
  • ✓ DD Flow Engine (jitter)
  • ✓ Balance verification ($5k gate)
  • ✓ Invoice & Email alerts
  • ✓ ACH transfer orchestration

Requires $5,000+ verified balance. Ineligible accounts never charged.

⏱ How billing works

1

Register & KYC, start your 3-day free trial. Explore campaigns (locked), custom offers, Big Bank Bonus Report, and 36-Month Planner — zero cost.

2

Pick a campaign. Checkout verifies your $5,000+ balance via secure bank verification (ineligible accounts are never charged). Sign the ACH PPD authorization form.

3

Pay $99/mo on your credit card (your only card charge ever). This subscribes you and provides a $99 campaign discount. Campaign fee: $99 via ACH ($198 list − $99 credit).

4

AI opens your new bank account, $100 seed lands, account monitor goes live. Your $5,000 working capital moves via Fidelity rail. Campaign runs automatically. Max 5 campaigns per 91-day window.

Real members

What our earners say

★★★★★

"The AI agent told me exactly which 3 banks to open based on my $2,000 capital for maximum return. Incredible tool — easily pays for the subscription tenfold."

M
Michael T.
Earned $1,400 in 3 months
★★★★★

"I signed up for one Chase offer and my fee was automatically waived for 91 days. Got the $300 bonus and never paid a cent. The waiver system is genius."

S
Sarah K.
91-day waiver active
★★★★★

"The DD Flow Engine is the killer feature. It handles all the DD requirements automatically. I literally do nothing and the bonuses just post to my account."

J
James R.
Earned $4,200 this year
Got questions?

Frequently asked

Banks win too. Every applicant we send is KYC/AML pre-screened, identity-verified, and arrives with a complete financial profile — reducing onboarding fraud risk and compliance overhead. For members, that means account setup in seconds, not days. No paperwork, no branch visit. And before you apply anywhere, our pre-approval engine gives you a crystal-ball view: 99% accurate approval predictions across 7,000+ banks, 99.8% for the top 25. Better than bank-grade underwriting — you know you're approved before you click submit.
When you sign up for any bank bonus offer through BigBankBonus, your $99/mo subscription fee is automatically waived for 91 days. Since most bonuses pay $300–$600+, the platform pays for itself before you're ever charged. The waiver resets each time you sign up for a new offer.
Bank account openings use ChexSystems or EWS — not credit bureaus — so there's typically no hard pull on your credit score. Our EWS & ChexSystems policy monitor tracks the latest bank policies so you always know which banks check which system before you apply.
When you connect your bank, your 3-day free trial starts immediately — no credit card required. You get full access to all Pro features. On day 4, $99 is debited from your linked bank via ACH. Cancel before day 4 and you pay absolutely nothing.
The scheduler uses automated ACH transfers to fulfill the direct deposit requirements that most bank bonuses require. It runs a 91-day cycle — ACH push (credit to your bonus bank) then ACH pull (debit back) — repeating as needed. You set it up once and the system handles everything.
Yes — cancel anytime from your Command Hub. Cancel during the 3-day trial (before day 4) and you pay nothing. Cancel mid-month after being charged and you retain access through the end of that billing period.

Ready to start earning?

Join thousands of members earning $300–$600+ per bank offer. 3-day free trial, no credit card needed.

🔒 256-bit bank-grade security  ·  AES-256 encrypted  ·  Cancel anytime

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