Total Earned
$4,200
▲ $600 this quarter
Active Offers
3
2 pending payout
Waiver Status
71 days
Fee waived ✓
Linked Banks
2
Chase excluded from feed
Subscription & Waiver
71days
Fee Waiver Active
Your $49/mo fee is waived for 71 more days because you signed up for the Chase Total Checking offer.
Pro Monthly
Waiver Active
ACH Billing
Waiver progress71 / 91 days remaining
Recent Activity
Chase Total Checking — $300 bonus earned
Autopay DD cycle completed — SoFi
Bank of America offer signed up
3-day trial completed → Pro activated
Bank linked via Plaid — Chase
Active Offer Tracker
3 offers in progress
| Bank | Bonus | Status | Due |
|---|---|---|---|
| Chase Total Checking | $300 ✓ | Earned | Done |
| Bank of America Adv. | $400 | Pending | Jun 15 |
| SoFi Checking | $300 | In Progress | Jul 1 |
💡 AI Recommendation
Open Citizens Bank next
Based on your $2,000 available capital and current 2 open accounts, Citizens Bank Checking ($400 bonus) is your highest ROIC opportunity — 12.6% APY equivalent, no direct deposit required.
Projected ROIC
12.6% APY
Time to bonus
60 days
Bonus amount
$400
Live Offers — $400+ Only
Personalized for your profile · Chase excluded · 217 total tracked
Subscription & Billing
Pro Monthly — ACH billing via Plaid
Current Plan
💳
Pro Monthly
$49/mo via ACH · No credit card
Billing method
ACH bank debit
Monthly amount
$49.00
Waiver status
Active — 71 days left
Next billing (if waiver lapses)
Aug 12, 2026
91-Day Fee Waiver
71days
Fee Waived ✓
Your $49/mo is waived until Aug 12, 2026.
20 days used71 days remaining
Sign up for another offer to reset
Each new offer signup you complete through BigBankBonus resets your waiver to 91 days from that date.
Billing History
| Date | Description | Amount | Status |
|---|---|---|---|
| May 17, 2026 | BigBankBonus Pro Monthly | Waived 🎁 | Waived |
| Apr 17, 2026 | BigBankBonus Pro Monthly | Waived 🎁 | Waived |
| Mar 17, 2026 | 3-Day Trial Start | $0.00 | Trial |
Linked Banks
Connected via Plaid · Read-only access · Bank-grade security
Primary Account — Offer Feed Source
Chase Bank
Checking ••4892 · 2 accounts
$12,400
Available
✓ Chase offers are hidden from your personalized feed — you already have this bank
Total Checking
••4892
$12,400
Chase Savings
••1147
$3,200
Secondary Account
SoFi Bank
Checking ••7731 · 1 account
$2,150
Available
⚡ Autopay DD cycle running — $500 ACH push scheduled for next Monday
Autopay cycle progress
Cycle 2 of 18Day 37 of 91
🏦
Link another bank
Connect additional banks to track balances and unlock the autopay scheduler for more offers simultaneously.
Transactions
Scheduled ACH deposits across all campaigns
All Transactions
| Date | Amount | Type | Status | Risk |
|---|---|---|---|---|
| Jun 8 2026 | $300.00 | PPD | Settled | 12 |
| Jun 15 2026 | $400.00 | PPD | Queued | 8 |
Autopay DD Scheduler
Automated direct deposit cycles via Plaid Transfer
Active Schedule — SoFi Checking
S
SoFi Checking ••7731
Cycle 2 of 18 · $500/cycle
ACH Push sent — $500 to SoFi
ACH Pull scheduled — $500 from SoFi
Cycle 3 push — scheduled
Cycle 2 / 18 total$300 bonus pending in ~54 days
Completed Schedule — Chase
C
Chase Total Checking ••4892
3 cycles completed · $300 bonus earned
$300
Bonus posted to Chase account
91-day fee waiver triggered ✓
⚡
Add a new DD schedule
Pick a bank account and a bonus offer — the scheduler will automatically manage the ACH push/pull cycle to meet the direct deposit requirement.
EWS & ChexSystems Monitor
1,004+ sources checked every 6 hours · Last run: 2h ago
Live
Sources Checked
1,004
CFPB, Reddit, DoC, newsrooms
Alerts (7 days)
2
Policy changes detected
Last Checked
2h ago
Next run in 4 hours
Recent Events
Wells Fargo tightens ChexSystems policy
Wells Fargo updated their account opening policy — now requires a clean ChexSystems report (no derogatory marks in 24 months). Previously 12 months.
3 hours ago · Source: r/churning · 47 upvotes
Citi — $200 offer expired
The Citi Priority Checking $200 offer has ended. No replacement offer announced. Existing signups before May 15 are still honored.
1 day ago · Source: doctorofcredit.com
Huntington Bank — New $400 offer detected
Huntington Asterisk-Free Checking now offering $400 for new customers with $1,000 DD in 90 days. No monthly fee. ChexSystems may be used.
2 days ago · Source: doctorofcredit.com
CFPB — No new enforcement actions
No new enforcement actions related to bank account churning or EWS/ChexSystems practices. Regulatory environment unchanged.
3 days ago · Source: cfpb.gov
Chase Total Checking — $300 offer confirmed active
Chase Total Checking $300 bonus remains live. Requirement: $500 DD within 90 days. No changes to terms or ChexSystems policy.
4 days ago · Source: doctorofcredit.com
AI Bonus Agent
Local Optimizer · Knows your profile, linked banks, and active offers
🤖
Hey James! 👋 I've reviewed your profile. You have $2,000 available capital, 2 linked banks (Chase excluded from feed), and your SoFi autopay cycle is in progress.
My top recommendation: Citizens Bank Checking — $400 bonus. It's your highest ROIC at 12.6% APY equivalent, requires just $1,000 DD in 60 days, and uses ChexSystems (not EWS) — you're clean there.
What would you like to know?
My top recommendation: Citizens Bank Checking — $400 bonus. It's your highest ROIC at 12.6% APY equivalent, requires just $1,000 DD in 60 days, and uses ChexSystems (not EWS) — you're clean there.
What would you like to know?
Documents
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📊
Big Bank Bonus Report
AI Portfolio & Bonus ROI Analysis
📅
72-Month Planner
Optimal Long-Term Bonus Schedule
📄
Chase_Statement_Apr2026.pdf
2.1 MB · Uploaded Apr 30
🖼️
ID_Verification.jpg
1.4 MB · Uploaded Mar 18
📄
SoFi_BonusConfirm.pdf
820 KB · Uploaded May 2
📁
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Settings
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Plan
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Member since
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