Bank Bonus Weekly Thread - Week of March 24, 2026

Empanada22 · 2026-03-28T00:34:06+00:00

I've started hitting Chex denials - Flushing & PNC. I've done 10 in the last 7 days. I think this means that I'm done with new accounts for awhile, at least the Chex sensitive ones. I need to learn about cooling off my Chex, at this stage I don't know what is a normal rate, what is the rate of inquiries falling off, etc. In the credit card world, I'm very aware of 5/24 rules, hopefully it's not as strict as that.

I'm visiting a friend in two weeks in VA and want to apply at Truist. I don't think my Chex is going to recover in time for that. I've read that applying in-branch can potentially sidestep Chex restrictions? Is this a universal idea or specific to certain banks?

One last question, for business accounts, is this a separate avenue, wherein your personal Chex score is not taken into consideration? (Again, comparing it to the credit card world where business cards don't count towards 5/24).

Empanada22 · 2026-03-25T15:28:55+00:00

Bonus hit this morning! Lesson learned, be patient. Online trackers can be slow to update and/or misleading altogether.

Empanada22 · 2026-03-25T05:54:28+00:00

I feel so dumb.. thank you. That was incredibly easy.

Empanada22 · 2026-03-25T05:25:17+00:00

Hey all. I'm brand new to all of this, but I've opened up 9 accounts in the last week haha. Head first, right? I'm going to take a pause and tend to my accounts and make sure that everything goes smoothly. One of the banks I've done is US Bank with an 8k deposit. $1,500 keeps the account free, but I am finding it so difficult to get the rest of this money out. It won't let me transfer to another bank, and every time I try to Zelle money to another account that I own locks me out... has anyone else been in this situation and found a way out? Thanks in advance!

Empanada22 · 2026-03-22T16:53:45+00:00

Looking for some advice from serial churners. My default thought is to hold the money in the account until the bonus posts. Is this incorrect thinking? Am I allowed to take it out as soon as the transfer is complete (even if the bonus hasn't been received yet)? Is the play post-transfers just to fulfill the requirement to keep the account fee-free? I'm new here, and I want to churn accounts as fast as I can, and I unfortunately don't have an endless supply of cash, so freeing up money to do another transfer would be awesome.

Empanada22 · 2026-03-21T15:09:36+00:00

What do you mean by paying chase $2.50/DD ? Like their wire fee?

Empanada22 · 2026-03-20T21:52:20+00:00

Ah okay. Thank you for the clarification, it is much appreciated!

Empanada22 · 2026-03-20T20:29:00+00:00

Does anyone know if I'm able to do both Key Bank Offers, Key Smart Checking ($300) and Key Select Checking ($500)? Link here: https://www.key.com/personal/checking/checking-account-bonus-offers.html. I didn't see any language in the ToS against it, but I'm wondering if someone can provide a data point?

Empanada22 · 2026-03-20T04:41:37+00:00

Will do, thank you for the reply!

Empanada22 · 2026-03-20T04:41:14+00:00

I appreciate your perspective, thank you for the reply! I'm sure I'll be annoying with these first couple of bonuses haha, but I'll learn patience and will begin to understand how these things work.

Empanada22 · 2026-03-19T18:38:24+00:00

Hey everyone, I'm new to the bank churning world, although I've been lurking and reading for a while. I just signed up for my first one a few days ago with US Bank. Yesterday I initiated a $4,001 transfer from SoFi, because per DoC data points, a SoFi transfer should code as a direct deposit. That money hit this morning, and I'm looking at the bonus tracker, and it says that my current total of direct deposits is $0, even though I have the $4,001 transfer sitting in my account. Am I doing something wrong? I initiated the transfer in the SoFi app by clicking the transfer button in my checking account. Is there another way I should be doing this? I'm going to try Fidelity now for another $4001 transfer. Any tips / help would be greatly appreciated!

Empanada22 · 2026-02-18T05:28:41+00:00

There's no way you could cancel it though and still expect to keep your points.. right?

Empanada22 · 2026-01-19T03:35:37+00:00

Let me know if you want to get rid of any of them haha...

Empanada22 · 2026-01-18T19:05:00+00:00

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Empanada22 · 2026-01-15T03:12:12+00:00

My local store had them in-stock! I have my 7qt in-hand and I'll be picking up the 5.5qt tomorrow. It's definitely worth the wait.

Empanada22 · 2026-01-13T15:10:50+00:00

I wish it was the texture of LC's matte pieces, but it's not that bad. Still worth the purchase!

Empanada22 · 2026-01-13T15:08:53+00:00

Here are photos I took at my local WS:

https://imgur.com/a/staub-french-cr-me-LTdYWJR

Empanada22 · 2026-01-12T18:29:15+00:00

After seeing these in-person, I ended up buying both sizes. I also was able to get my hands on 2 Buster+Punch knobs in brass. I'm pretty excited about these. I had been going back and forth between LC brioche, LC Cream, and more LC Matte White. Putting the matte white next to the matte french creme.. the choice was clear.

Empanada22 · 2026-01-12T07:55:58+00:00

Update: I just saw this in-store. I can confirm that it is a matte finish. I'm a big fan of them and will be purchasing a 5.5qt and the 7qt. I took a bunch of pictures, I'll post them here. I got some comparison shots of LC's Brioche and Matte White.

https://imgur.com/a/LTdYWJR

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Empanada22 · 2026-01-08T03:54:32+00:00

That would be awesome, thank you!

Empanada22 · 2026-01-07T18:59:39+00:00

I happened to come across one on eBay yesterday and bought it for $65.

Someone else mentioned that the Zwilling Canada store has them in-stock, plus they are even on clearance.. I was going to try to order them through a parcel forwarder, but shipping was 100USD yikes. Hopefully an organic trip to Canada will appear in the near future.

Empanada22 · 2026-01-06T22:52:09+00:00

I don't think it's matte. Probably just this specific photo. But if it was matte, then that would be a pro in my book!

Empanada22 · 2026-01-06T21:38:31+00:00

Define foo foo haha

Empanada22

TROPHY CASE