An independent ledger of US bank bonuses, CD rates, and brokerage transfer offers.
Every entry verified against the source, dated, and accompanied by an honest valuation after fees, taxes, and the time cost of meeting requirements. No churn-and-burn listicles, no rewritten press releases, no offers we wouldn't pursue ourselves.
Sections
Checking Account Bonuses
Sign-up offers from national banks, regional banks, and online challengers, with direct deposit requirements and early-closure fees noted.
02Savings Account Bonuses & APYs
High-yield savings promotions, balance-tier bonuses, and intro APYs with the revert rate and lock-up window clearly stated.
03CD Rates & Bonuses
Certificates of deposit with notable rates or opening bonuses, including early-withdrawal penalties and minimum deposit requirements.
04Brokerage Transfer Bonuses
Cash bonuses for transferring taxable, IRA, or 401(k) assets, with holding periods and account-type eligibility detailed.
05Business Banking Bonuses
Offers for sole proprietors, LLCs, and S-corps, including entity documentation requirements and qualifying deposit terms.
06Money Market Accounts
MMA promotions with tiered APYs, transaction limits, and minimum-balance requirements verified at the source.
07IRA Transfer Bonuses
Bonuses for transferring Traditional, Roth, SEP, or SIMPLE IRAs, with holding periods and contribution-rule notes.
08Credit Union Offers
Member-based institutions offering competitive bonuses and rates, including field-of-membership requirements.
Foundations
Methodology
Verification at the source
Every offer is verified against the bank's official terms page on the date it's listed. We link to the source. If terms can't be confirmed at the source, we don't list the offer.
Honest net valuation
We compute the realistic net value of each offer after taxes (at a stated bracket assumption), fees, minimum-balance opportunity cost, and an estimate of the time required to meet requirements. The headline number is rarely what you actually walk away with.
Explicit catches
Every listing includes a "catches" section: early termination fees, direct deposit definitions, qualifying activity windows, account holding periods, geographic restrictions, and clauses that can void the bonus.
Dated everything
Every offer page shows the date last verified. Expired offers remain accessible for historical reference rather than silently disappearing. Our full methodology is published and versioned.
What this site is — and isn't
Bank Offers is written for people who treat account bonuses as a small, ongoing optimization on cash they already hold — not as a get-rich scheme and not as a hobby that takes over their evenings. The goal is to surface offers genuinely worth the effort and to be honest about which ones aren't.
We're not a comparison engine, not a directory, and not a deal-a-day blog. The model is closer to an editorial publication with a focused beat: US consumer banking, business banking, and brokerage transfer incentives, covered with the assumption that your time has value.
Editorial accountability
Bylines are real, the editorial process is documented, and we publish our affiliate relationships in full. Where we earn commissions, we say so. Where we don't but recommend something anyway, we say that too. Reader questions and corrections route through a real inbox.
Read the about page for editor backgrounds, the methodology for how listings are produced, and the disclosures page for advertising and affiliate relationships.