[
  {
    "id": "chase-total-checking-2026",
    "bank": "Chase",
    "title": "Total Checking",
    "account_type": "checking",
    "category": "personal",
    "tiers": [
      {
        "min_deposit": 0,
        "bonus_amount": 300,
        "label": "Checking only (any DD)"
      },
      {
        "min_deposit": 15000,
        "bonus_amount": 900,
        "label": "$15k + DD (checking+savings combo)"
      }
    ],
    "combo_bonus_amount": 900,
    "combo_note": "$300 checking (any DD) + $200 savings ($15k deposit) + $400 combo bonus",
    "bonus_trigger": {
      "type": "direct_deposit",
      "amount_required": null,
      "within_days": 90,
      "notes": "Checking: any DD within 90 days. Savings: $15k new money within 30 days, maintain 90 days."
    },
    "monthly_fee": 12,
    "monthly_fee_waiver": "$1,500 balance or $500/mo DD",
    "hold_days": 90,
    "hold_note": "90-day DD qualification window; safe to close after bonus posts",
    "apy": null,
    "chexsystems_pull": "soft",
    "end_date": "2026-04-15",
    "last_verified": "2026-03-21",
    "verified": true,
    "notes": [
      "[Source: DoC targeted-chase-900-checking-savings-bonus, verified 2026-03-21]",
      "Checking bonus: $300 for any direct deposit within 90 days (no minimum amount)",
      "Savings bonus: $200 for $15k new money within 20 days, held 90 days",
      "Combo bonus: Extra $400 when you open BOTH checking + savings together = $900 total",
      "Monthly fee: $12/mo, waived with $1,500 daily balance or $500/mo DD",
      "No clawback clause since 2022 — safe to close after bonus posts",
      "Anti-churn: Must not have had Chase checking in last 90 days, savings in last 180 days",
      "Bonus posts within 10 business days of meeting requirements",
      "Targeted offer — extended through 4/15/26",
      "Soft ChexSystems pull"
    ],
    "links": {
      "doc_page": "https://www.doctorofcredit.com/targeted-chase-900-checking-savings-bonus/",
      "official_page": "https://www.chase.com/personal/offers/total-checking-300"
    }
  },
  {
    "id": "bank-of-america-checking-2026",
    "bank": "Bank of America",
    "title": "Checking",
    "account_type": "checking",
    "category": "personal",
    "tiers": [
      {
        "min_deposit": 2000,
        "bonus_amount": 100,
        "label": "$2k DD"
      },
      {
        "min_deposit": 5000,
        "bonus_amount": 300,
        "label": "$5k DD"
      },
      {
        "min_deposit": 10000,
        "bonus_amount": 500,
        "label": "$10k DD"
      }
    ],
    "bonus_trigger": {
      "type": "direct_deposit",
      "amount_required": 2000,
      "within_days": 90,
      "notes": "Tiered by total DD amount within 90 days"
    },
    "monthly_fee": 12,
    "monthly_fee_waiver": "$1,500 balance or qualifying DD",
    "hold_days": 60,
    "hold_note": "Account open until bonus posts (~60 days after qualifying)",
    "apy": null,
    "chexsystems_pull": "soft",
    "end_date": "2026-05-31",
    "last_verified": "2026-03-21",
    "verified": true,
    "notes": [
      "[Source: DoC bank-of-america-100-500-checking-bonus, verified 2026-03-21]",
      "Tiered by cumulative direct deposits within 90 days of account opening",
      "$100 bonus: $2,000+ total DD",
      "$300 bonus: $5,000+ total DD",
      "$500 bonus: $10,000+ total DD",
      "Monthly fee: $12/mo, waived with $1,500 daily balance or qualifying DD",
      "Bonus posts within 60 days of meeting DD requirement",
      "Anti-churn: 12 months since last BofA checking account closure",
      "Available nationwide — online or in-branch",
      "Extended through 5/31/26",
      "Soft ChexSystems pull"
    ],
    "links": {
      "doc_page": "https://www.doctorofcredit.com/bank-of-america-100-500-checking-bonus/",
      "official_page": "https://promotions.bankofamerica.com/en/offers/chooseyourchecking500tiered"
    }
  },
  {
    "id": "us-bank-checking-2026",
    "bank": "U.S. Bank",
    "title": "Smartly Checking",
    "account_type": "checking",
    "category": "personal",
    "tiers": [
      {
        "min_deposit": 2000,
        "bonus_amount": 250,
        "label": "$2k DD"
      },
      {
        "min_deposit": 5000,
        "bonus_amount": 350,
        "label": "$5k DD"
      },
      {
        "min_deposit": 8000,
        "bonus_amount": 450,
        "label": "$8k DD"
      }
    ],
    "bonus_trigger": {
      "type": "direct_deposit",
      "amount_required": 2000,
      "within_days": 90,
      "notes": "2+ DDs totaling $2k–$8k+ within 90 days"
    },
    "monthly_fee": 6.95,
    "monthly_fee_waiver": "$1,500 balance or qualifying DD",
    "hold_days": 60,
    "hold_note": "Bonus posts ~60 days after end of qualifying month",
    "apy": null,
    "chexsystems_pull": "soft",
    "end_date": "2026-04-06",
    "last_verified": "2026-03-21",
    "verified": true,
    "notes": [
      "[Source: DoC u-s-bank-450-100-checking-bonus, verified 2026-03-21]",
      "Tiered by cumulative DD within 90 days of account opening",
      "$250 bonus: $2,000+ total DD",
      "$350 bonus: $5,000+ total DD",
      "$450 bonus: $8,000+ total DD",
      "Must make 2+ qualifying direct deposits (not just one large DD)",
      "Monthly fee: $6.95/mo, waived with $1,500 daily balance or qualifying DD",
      "Bonus posts ~60 days after end of qualifying month",
      "No early termination fee",
      "Anti-churn: 12 months since last U.S. Bank checking",
      "Churnable after waiting period — one of the more repeatable bank bonuses",
      "Expires 4/6/26",
      "Soft ChexSystems pull"
    ],
    "links": {
      "doc_page": "https://www.doctorofcredit.com/u-s-bank-450-100-checking-bonus/",
      "official_page": "https://www.usbank.com/splash/checking/2026-all-market-checking-offer.html"
    }
  },
  {
    "id": "wells-fargo-checking-2026",
    "bank": "Wells Fargo",
    "title": "Everyday Checking",
    "account_type": "checking",
    "category": "personal",
    "tiers": [
      {
        "min_deposit": 1000,
        "bonus_amount": 325,
        "label": "$1k DD"
      }
    ],
    "bonus_trigger": {
      "type": "direct_deposit",
      "amount_required": 1000,
      "within_days": 90,
      "notes": "$1k+ qualifying DD within 90 days"
    },
    "monthly_fee": 15,
    "monthly_fee_waiver": "$500 balance or qualifying DD",
    "hold_days": 120,
    "hold_note": "Bonus posts ~30 days after 90-day window. Account must be open at posting.",
    "apy": null,
    "chexsystems_pull": "soft",
    "end_date": "2026-04-14",
    "last_verified": "2026-03-21",
    "verified": true,
    "notes": [
      "[Source: DoC wells-fargo-325-checking-bonus-available-online + official page, verified 2026-03-21]",
      "$325 bonus for $1,000+ qualifying direct deposit within 90 days",
      "Previous $400 version expired February 2026 — now $325",
      "Monthly fee: $15/mo, waived with $500 minimum daily balance or qualifying DD",
      "Bonus posts ~30 days after the end of the 90-day DD window",
      "Account must remain open when bonus posts (effective ~120 day hold)",
      "Anti-churn: 12 months since last Wells Fargo checking account",
      "Available online nationwide",
      "Expires 4/14/26",
      "Soft ChexSystems pull"
    ],
    "links": {
      "doc_page": "https://www.doctorofcredit.com/wells-fargo-325-checking-bonus-available-online/",
      "official_page": "https://accountoffers.wellsfargo.com/checkingoffer/"
    }
  },
  {
    "id": "bmo-checking-2026",
    "bank": "BMO",
    "title": "Smart Advantage Checking",
    "account_type": "checking",
    "category": "personal",
    "tiers": [
      {
        "min_deposit": 4000,
        "bonus_amount": 300,
        "label": "$4k DD"
      },
      {
        "min_deposit": 7500,
        "bonus_amount": 500,
        "label": "$7.5k DD"
      }
    ],
    "bonus_trigger": {
      "type": "direct_deposit",
      "amount_required": 4000,
      "within_days": 90,
      "notes": "$4k–$7.5k cumulative DD within 90 days"
    },
    "monthly_fee": 0,
    "hold_days": 90,
    "hold_note": "Bonus posts after 90-day DD window",
    "apy": null,
    "chexsystems_pull": "soft",
    "end_date": null,
    "last_verified": "2026-03-21",
    "verified": true,
    "notes": [
      "[Source: DoC BMO checking page, verified 2026-03-21] Current tiers: $300 ($4k DD) or $500 ($7.5k DD). DoC URL slug references old $350 amount — tiers have been updated.",
      "Tiered by cumulative DD within 90 days",
      "$300 bonus: $4,000+ total DD",
      "$500 bonus: $7,500+ total DD",
      "No monthly fee — one of the few $0 monthly fee checking bonuses",
      "Available nationwide (was previously limited to select states)",
      "No stated expiration date — ongoing offer",
      "BMO also has a separate savings bonus that may stack",
      "Soft ChexSystems pull"
    ],
    "links": {
      "doc_page": "https://www.doctorofcredit.com/il-wi-mn-in-az-fl-ks-mo-bmo-harris-350-checking-300-savings-bonus/",
      "official_page": "https://www.bmo.com/en-us/main/personal/checking-accounts/digital-offer/"
    },
    "bonus_amount": 500
  },
  {
    "id": "sofi-checking-2026",
    "bank": "SoFi",
    "title": "Checking + Savings",
    "account_type": "checking",
    "category": "personal",
    "tiers": [
      {
        "min_deposit": 1000,
        "bonus_amount": 455,
        "label": "$1k DD (incl. Rakuten)"
      },
      {
        "min_deposit": 5000,
        "bonus_amount": 815,
        "label": "$5k DD (incl. Rakuten)"
      }
    ],
    "bonus_trigger": {
      "type": "direct_deposit",
      "amount_required": 1000,
      "within_days": 25,
      "notes": "$1k+ DD within 25 days of first qualifying DD"
    },
    "monthly_fee": 0,
    "hold_days": 40,
    "hold_note": "Bonus posts within 14 days of 25-day evaluation window",
    "apy": 3.3,
    "apy_note": "3.30% APY on savings with DD",
    "chexsystems_pull": "soft",
    "end_date": null,
    "last_verified": "2026-03-26",
    "verified": true,
    "notes": [
      "[Source: DoC sofi-checking-5000-direct-deposit-required, verified 2026-03-21]",
      "Direct SoFi bonus: $50 ($1k DD) or $400 ($5k DD)",
      "Portal cashback: ~$405-415 via Rakuten (real USD cashback — sign up through portal link BEFORE opening SoFi account)",
      "Total value: $455 ($1k DD) or $815 ($5k DD) stacked with portal cashback",
      "IMPORTANT: Must sign up through Rakuten/portal BEFORE opening SoFi account to get portal bonus",
      "3.30% APY on savings balance when you have qualifying DD — one of the highest HYSA rates",
      "DD evaluation window: 25 days from first qualifying DD",
      "Bonus posts within 14 days after the 25-day qualification window ends",
      "No monthly fee, no minimum balance",
      "No early account closure fee",
      "No stated expiration — ongoing offer",
      "Soft ChexSystems pull"
    ],
    "links": {
      "doc_page": "https://www.doctorofcredit.com/sofi-checking-5000-direct-deposit-required/",
      "official_page": "https://www.sofi.com/banking/"
    },
    "bonus_amount": 815
  },
  {
    "id": "citi-savings-2026",
    "bank": "Citi",
    "title": "Checking+Savings Stack (No DD)",
    "account_type": "savings",
    "category": "personal",
    "tiers": [
      {
        "min_deposit": 10000,
        "bonus_amount": 200,
        "label": "$10k"
      },
      {
        "min_deposit": 30000,
        "bonus_amount": 750,
        "label": "$30k"
      },
      {
        "min_deposit": 75000,
        "bonus_amount": 1000,
        "label": "$75k"
      },
      {
        "min_deposit": 200000,
        "bonus_amount": 1500,
        "label": "$200k"
      },
      {
        "min_deposit": 300000,
        "bonus_amount": 2500,
        "label": "$300k"
      }
    ],
    "bonus_trigger": {
      "type": "minimum_balance",
      "within_days": 20,
      "notes": "Deposit within 20 days, hold 60 days. No DD required."
    },
    "monthly_fee": 4.5,
    "monthly_fee_waiver": "$500 minimum balance",
    "hold_days": 60,
    "hold_note": "Maintain balance for 60 days",
    "apy": 4.35,
    "apy_note": "4.35% APY with $25k+",
    "chexsystems_pull": "soft",
    "end_date": "2026-04-13",
    "last_verified": "2026-04-05",
    "verified": true,
    "notes": "[Source: DoC Citi checking/savings stack page, verified 2026-04-05] Combined deposit tiers: $10k=$200, $30k=$750, $75k=$1,000, $200k=$1,500, $300k=$2,500. No direct deposit required. Cannot be stacked with the EDD checking offer — choose one.",
    "links": {
      "doc_page": "https://www.doctorofcredit.com/citi-up-to-2000-personal-checking-savings-bonus-available-nationwide-direct-deposit-not-required/",
      "official_page": "https://www.citi.com/banking/special-offers"
    },
    "bonus_amount": 2500
  },
  {
    "id": "citi-checking-2026",
    "bank": "Citi",
    "title": "Checking (Enhanced DD or Balance)",
    "account_type": "checking",
    "category": "personal",
    "tiers": [
      {
        "min_deposit": 3000,
        "bonus_amount": 325,
        "label": "$3k EDD"
      },
      {
        "min_deposit": 30000,
        "bonus_amount": 750,
        "label": "$30k deposit"
      },
      {
        "min_deposit": 200000,
        "bonus_amount": 1500,
        "label": "$200k deposit"
      }
    ],
    "bonus_trigger": {
      "type": "direct_deposit",
      "amount_required": 3000,
      "within_days": 90,
      "notes": "DD tiers or deposit tiers — two paths to the bonus"
    },
    "monthly_fee": 0,
    "hold_days": 90,
    "hold_note": "Keep account open through bonus posting",
    "apy": null,
    "chexsystems_pull": "soft",
    "end_date": "2026-04-13",
    "last_verified": "2026-04-05",
    "verified": true,
    "notes": "[Source: DoC Citi checking page, verified 2026-04-05] Tiers: $3k EDD=$325, $30k deposit=$750, $200k deposit=$1,500. Two paths: Enhanced Direct Deposit (EDD) or large balance deposit. $425 tier removed per DoC 1/13/26 update.",
    "links": {
      "doc_page": "https://www.doctorofcredit.com/citi-300-checking-bonus/",
      "official_page": "https://www.citi.com/banking/special-offers"
    },
    "bonus_amount": 1500
  },
  {
    "id": "pnc-checking-2026",
    "bank": "PNC",
    "title": "Virtual Wallet",
    "account_type": "checking",
    "category": "personal",
    "tiers": [
      {
        "min_deposit": 500,
        "bonus_amount": 100,
        "label": "$500 DD"
      },
      {
        "min_deposit": 5000,
        "bonus_amount": 400,
        "label": "$5k DD"
      }
    ],
    "bonus_trigger": {
      "type": "direct_deposit",
      "amount_required": 500,
      "within_days": 60,
      "notes": "$500–$5k+ DD within 60 days"
    },
    "monthly_fee": 7,
    "monthly_fee_waiver": "$500 balance or qualifying DD",
    "hold_days": 90,
    "hold_note": "Bonus posts 60-90 days after qualifying",
    "apy": null,
    "chexsystems_pull": "soft",
    "end_date": "2026-05-28",
    "last_verified": "2026-03-21",
    "verified": true,
    "notes": [
      "[Source: DoC pnc-up-to-250-400-checking-bonus, verified 2026-03-21]",
      "Tiered by direct deposit within 60 days of account opening",
      "$100 bonus: $500+ total DD",
      "$400 bonus: $5,000+ total DD",
      "Monthly fee: $7/mo for Virtual Wallet, waived with $500 average balance or qualifying DD",
      "Bonus posts 60-90 days after meeting DD requirement",
      "PNC Virtual Wallet includes spending, reserve, and growth accounts",
      "Available nationwide (PNC expanded nationally in 2021)",
      "Extended through 5/28/26",
      "Soft ChexSystems pull"
    ],
    "links": {
      "doc_page": "https://www.doctorofcredit.com/pnc-up-to-250-400-checking-bonus/",
      "official_page": "https://www.pnc.com/en/personal-banking/banking/checking/bonus-offer.html"
    }
  },
  {
    "id": "capital-one-business-checking-2026",
    "bank": "Capital One",
    "title": "Business Checking",
    "account_type": "checking",
    "category": "business",
    "tiers": [
      {
        "min_deposit": 5000,
        "bonus_amount": 500,
        "label": "$5k deposit"
      },
      {
        "min_deposit": 30000,
        "bonus_amount": 1000,
        "label": "$30k deposit"
      }
    ],
    "bonus_trigger": {
      "type": "minimum_balance",
      "within_days": 30,
      "notes": "Maintain $5k–$30k for 60 days. 10 qualifying e-transactions in 90 days."
    },
    "monthly_fee": 15,
    "monthly_fee_waiver": "$2,000 balance",
    "hold_days": 60,
    "hold_note": "Maintain deposit for 60 days",
    "apy": null,
    "chexsystems_pull": "soft",
    "end_date": null,
    "last_verified": "2026-03-21",
    "verified": true,
    "notes": [
      "[Source: DoC capital-one-500-1000-business-checking-bonus, verified 2026-03-21]",
      "Requires a business (sole proprietorship with SSN qualifies)",
      "$500 bonus: $5,000 deposit within 30 days, maintain 60 days + 10 e-transactions in 90 days",
      "$1,000 bonus: $30,000 deposit within 30 days, maintain 60 days + 10 e-transactions in 90 days",
      "E-transactions: debit card purchases, online bill pay, transfers, etc.",
      "Monthly fee: $15/mo, waived with $2,000 average daily balance",
      "No stated expiration — ongoing offer",
      "Sole proprietors can use SSN instead of EIN",
      "Soft ChexSystems pull"
    ],
    "links": {
      "doc_page": "https://www.doctorofcredit.com/capital-one-500-1000-business-checking-bonus/",
      "official_page": "https://www.capitalone.com/small-business/bank/products/checking/"
    }
  },
  {
    "id": "chase-business-checking-2026",
    "bank": "Chase",
    "title": "Business Complete Checking",
    "account_type": "checking",
    "category": "business",
    "tiers": [
      {
        "min_deposit": 2000,
        "bonus_amount": 300,
        "label": "$2k deposit"
      },
      {
        "min_deposit": 15000,
        "bonus_amount": 500,
        "label": "$15k deposit"
      },
      {
        "min_deposit": 20000,
        "bonus_amount": 750,
        "label": "$20k deposit"
      }
    ],
    "bonus_trigger": {
      "type": "minimum_balance",
      "within_days": 30,
      "notes": "Deposit within 30 days, maintain 60 days. 5 qualifying transactions in 90 days."
    },
    "monthly_fee": 15,
    "monthly_fee_waiver": "$2,000 daily balance",
    "hold_days": 60,
    "hold_note": "Maintain deposit for 60 days",
    "apy": null,
    "chexsystems_pull": "soft",
    "end_date": "2026-05-14",
    "last_verified": "2026-03-21",
    "verified": true,
    "notes": [
      "[Source: DoC chase-business-total-checking-750-bonus-no-direct-deposit-required, verified 2026-03-21]",
      "Requires a business (sole proprietorship with SSN qualifies)",
      "Tiered by deposit amount — NO direct deposit required",
      "$300 bonus: $2,000 deposit within 30 days, maintain 60 days",
      "$500 bonus: $15,000 deposit within 30 days, maintain 60 days",
      "$750 bonus: $20,000 deposit within 30 days, maintain 60 days",
      "Must complete 5 qualifying transactions within 90 days (debit card, bill pay, transfers, etc.)",
      "Monthly fee: $15/mo, waived with $2,000 minimum daily balance",
      "Sole proprietors can apply with SSN — no EIN required",
      "One of the best business checking bonuses by effort required",
      "Expires 5/14/26",
      "Soft ChexSystems pull"
    ],
    "links": {
      "doc_page": "https://www.doctorofcredit.com/chase-business-total-checking-750-bonus-no-direct-deposit-required/",
      "official_page": "https://account.chase.com/business/business-checking-offer"
    }
  },
  {
    "id": "bmo-checking",
    "bank": "BMO Harris",
    "account_type": "checking",
    "bonus_amount": 400,
    "dd_required": true,
    "dd_amount_min": 4000,
    "dd_amount_max": 7500,
    "chexsystems_pull": "soft",
    "credit_card_funding": false,
    "tiers": [
      {
        "min_deposit": 0,
        "bonus_amount": 400,
        "label": "Any"
      }
    ],
    "bonus_trigger": {
      "type": "direct_deposit",
      "amount_required": null,
      "within_days": 90
    }
  },
  {
    "id": "etrade-checking",
    "bank": "e*Trade",
    "account_type": "checking",
    "bonus_amount": 300,
    "dd_required": true,
    "dd_requirements": "two direct deposits of $1,500+",
    "chexsystems_pull": "unknown",
    "credit_card_funding": "unknown",
    "tiers": [
      {
        "min_deposit": 0,
        "bonus_amount": 300,
        "label": "Any"
      }
    ],
    "bonus_trigger": {
      "type": "direct_deposit",
      "amount_required": null,
      "within_days": 90
    }
  },
  {
    "id": "upgrade-checking",
    "bank": "Upgrade",
    "account_type": "rewards checking",
    "bonus_amount": 200,
    "dd_required": false,
    "chexsystems_pull": "soft",
    "credit_card_funding": false,
    "tiers": [
      {
        "min_deposit": 0,
        "bonus_amount": 200,
        "label": "Any"
      }
    ]
  },
  {
    "id": "affinity-cfu-checking",
    "bank": "Affinity Federal Credit Union",
    "account_type": "checking",
    "bonus_amount": 100,
    "dd_required": true,
    "dd_amount": 100,
    "chexsystems_pull": "soft",
    "credit_card_funding": true,
    "tiers": [
      {
        "min_deposit": 100,
        "bonus_amount": 100,
        "label": "$100 DD"
      }
    ],
    "bonus_trigger": {
      "type": "direct_deposit",
      "amount_required": 100,
      "within_days": 90
    }
  },
  {
    "id": "unify-cfu-checking",
    "bank": "Unify Financial Credit Union",
    "account_type": "checking",
    "bonus_amount": 150,
    "dd_required": true,
    "dd_amount": 500,
    "chexsystems_pull": "soft",
    "credit_card_funding": true,
    "tiers": [
      {
        "min_deposit": 500,
        "bonus_amount": 150,
        "label": "$500 DD"
      }
    ],
    "bonus_trigger": {
      "type": "direct_deposit",
      "amount_required": 500,
      "within_days": 90
    }
  },
  {
    "id": "varo-checking",
    "bank": "Varo Money",
    "account_type": "checking",
    "bonus_amount": 150,
    "dd_required": true,
    "dd_amount": 500,
    "chexsystems_pull": "soft",
    "credit_card_funding": false,
    "tiers": [
      {
        "min_deposit": 500,
        "bonus_amount": 150,
        "label": "$500 DD"
      }
    ],
    "bonus_trigger": {
      "type": "direct_deposit",
      "amount_required": 500,
      "within_days": 90
    }
  },
  {
    "id": "lmc-cu-checking",
    "bank": "Lake Michigan Credit Union",
    "account_type": "checking",
    "bonus_amount": 100,
    "dd_required": true,
    "dd_requirements": "two direct deposits of $500+",
    "chexsystems_pull": "hard",
    "credit_card_funding": true,
    "tiers": [
      {
        "min_deposit": 0,
        "bonus_amount": 100,
        "label": "Any"
      }
    ],
    "bonus_trigger": {
      "type": "direct_deposit",
      "amount_required": null,
      "within_days": 90
    }
  },
  {
    "id": "chime-checking",
    "bank": "Chime",
    "account_type": "checking",
    "bonus_amount": 425,
    "dd_required": true,
    "dd_amount": 200,
    "chexsystems_pull": "soft",
    "notes": "Portal Bonus. Various portals like Swagbucks, MyPoints, and Inbox Dollars offer a bonus of $390-$426 when opening an account through their portal and receiving $200+ direct deposit. No credit card funding.",
    "tiers": [
      {
        "min_deposit": 200,
        "bonus_amount": 425,
        "label": "$200 DD"
      }
    ],
    "bonus_trigger": {
      "type": "direct_deposit",
      "amount_required": 200,
      "within_days": 90
    }
  },
  {
    "id": "sofi-checking-savings",
    "bank": "SoFi",
    "account_type": "checking-savings",
    "bonus_amount": 675,
    "dd_required": true,
    "dd_amount": 3000,
    "chexsystems_pull": "soft",
    "notes": "$300 is from SoFi and the other $375 is from Rakuten. Rakuten/Swagbucks/Topcashback rates move around, but can often get $200-$375 on top of the $300 from SoFi. No credit card funding.",
    "tiers": [
      {
        "min_deposit": 3000,
        "bonus_amount": 675,
        "label": "$3,000 DD"
      }
    ],
    "bonus_trigger": {
      "type": "direct_deposit",
      "amount_required": 3000,
      "within_days": 90
    }
  },
  {
    "id": "psecu-checking",
    "bank": "PSECU",
    "account_type": "checking",
    "bonus_amount": 300,
    "dd_required": true,
    "dd_amount": 250,
    "chexsystems_pull": "soft",
    "notes": "Technically PA only, but anybody can join Pennsylvania Recreation and Park Society (PRPS) for $20 and get $10 back. Can fund up to $100 with a Visa or Mastercard.",
    "tiers": [
      {
        "min_deposit": 250,
        "bonus_amount": 300,
        "label": "$250 DD"
      }
    ],
    "bonus_trigger": {
      "type": "direct_deposit",
      "amount_required": 250,
      "within_days": 90
    }
  },
  {
    "id": "usaa-checking",
    "bank": "USAA",
    "account_type": "checking",
    "bonus_amount": 300,
    "dd_required": true,
    "dd_amount": 500,
    "chexsystems_pull": null,
    "notes": "Membership is restricted.",
    "tiers": [
      {
        "min_deposit": 500,
        "bonus_amount": 300,
        "label": "$500 DD"
      }
    ],
    "bonus_trigger": {
      "type": "direct_deposit",
      "amount_required": 500,
      "within_days": 90
    }
  },
  {
    "id": "upgrade-rewards-checking",
    "bank": "Upgrade",
    "account_type": "checking",
    "bonus_amount": 200,
    "dd_required": false,
    "dd_amount": null,
    "chexsystems_pull": "soft",
    "notes": "Referral Bonus. Bonus is better if you can refer people, but people opening accounts rarely get the $200 straight away. Can fund up to $500 with a debit card.",
    "tiers": [
      {
        "min_deposit": 0,
        "bonus_amount": 200,
        "label": "Any"
      }
    ]
  },
  {
    "id": "charles-schwab-checking",
    "bank": "Charles Schwab",
    "account_type": "checking",
    "bonus_amount": 500,
    "dd_required": false,
    "dd_amount": null,
    "chexsystems_pull": "soft",
    "notes": "Up To $500 bonus. No requirements for bonus. Account is useful (e.g., ATM fees reimbursed, no foreign transaction fees). Can get this account and a brokerage account at the same time for one hard pull. Unknown credit card funding.",
    "tiers": [
      {
        "min_deposit": 0,
        "bonus_amount": 500,
        "label": "Any"
      }
    ]
  },
  {
    "id": "capital-one-savings",
    "bank": "Capital One",
    "account_type": "savings",
    "bonus_amount": 1500,
    "dd_required": false,
    "dd_amount": null,
    "chexsystems_pull": "soft",
    "notes": "Up To $1,500 bonus. The higher $1,500 tier requires a $100,000 deposit. Account earns a decent interest rate. Soft pull as long as you opt out of overdraft protection. No credit card funding.",
    "tiers": [
      {
        "min_deposit": 0,
        "bonus_amount": 1500,
        "label": "Any"
      }
    ]
  },
  {
    "id": "moomoo-cash",
    "bank": "MooMoo",
    "account_type": "cash",
    "bonus_amount": 1000,
    "dd_required": false,
    "dd_amount": null,
    "chexsystems_pull": null,
    "notes": "Cash Account Bonus.",
    "tiers": [
      {
        "min_deposit": 0,
        "bonus_amount": 1000,
        "label": "Any"
      }
    ]
  }
]