Advertiser disclosure: No links on this page pay us. See Disclosures for how we make money.
Is this bank bonus worth it?
Offers last checked Nov 10, 2026A bank bonus is worth it when you can move the money the bank asks for, keep it there long enough, and the bonus is more than your money earns where it is now. Pick an offer to check your numbers. We track 32 offers. We can check the money and the time for 9 of them, and the money only for 14 more. For example, HSBC Premier Checking pays $1,000 if you move $50,000 and keep it about 5 months.
Worked examples
Worked out from our offer list on Nov 11, 2026. No savings rate is used, because we do not have a checked one.
HSBC Premier Checking
You: move $50,000 and keep it 5 months.
The bank asks: $50,000 within 30 days, then keep it there 3 months after the 30 days to move it in. That is about 123 days in all.
Bonus steps: $50,000 gets $1,000; $100,000 gets $1,500; $250,000 gets $2,000; $500,000 gets $3,000.
Our answer: You meet every rule we can check. You would get $1,000. We have no checked savings rate to compare with, so this is not a full yes. Type what your savings pays now to finish the check. Move $50,000 more ($100,000 in all) to get $1,500.
Last checked on the bank's page Oct 27, 2026. Try these numbers
Capital One 360 Performance Savings
You: move $50,000 and keep it 3 months.
The bank asks: $20,000 within 15 days, then keep it there 90 days after the 15 days to move it in. That is about 105 days in all.
Bonus steps: $20,000 gets $300; $50,000 gets $750; $100,000 gets $1,500.
Our answer: Not at these numbers. It is worth it if you can keep it about 4 months (105 days). You said 3 months. Move $50,000 more ($100,000 in all) to get $1,500.
Last checked on the bank's page Oct 27, 2026. Try these numbers
E*TRADE Premium Savings
You: move $10,000 and keep it 3 months.
The bank asks: $20,000 within 30 days, then keep it there 45 days after the 30 days to move it in. That is about 75 days in all.
Bonus steps: $20,000 gets $200.
Our answer: Not at these numbers. It is worth a look only if you can move $20,000. That gets $200.
Last checked on the bank's page Nov 4, 2026. Try these numbers
How the math works
We read the bank rules we recorded for each offer. We only use a number when the rule spells it out, like a dollar amount you must move in or a number of days you must keep it.
If an offer has steps, you get the biggest step your money reaches. We never make up a step.
Time to keep it = the days you have to move the money in, plus the days you must keep it. A line that says when the bank pays you is not a keep time, so we do not count it.
If you type your savings rate, we work out what the same money earns where it is now over the same days: money times rate times days, divided by 365, rounded down to the cent.
We do not take out monthly fees. Each result shows the fees we recorded, so you can check them yourself.
All money is counted in whole cents, so there are no rounding mistakes.
Questions
How do you decide if a bonus is worth it?
We check three things. Can you move the money the bank asks for? Can you keep it there long enough? Is the bonus more than your money earns where it is now? If you miss a rule, we tell you what it would take. If you live where the offer is not open, we never say to apply.
Why do you not show what my money would earn somewhere else?
We only use rates we have checked. This site does not have a checked savings rate yet, so we do not guess one. Type what your own savings pays and we do that math for you. We do not count the interest the new account pays you, which would only make the bonus look better.
Why can you not check every offer with numbers?
Of the 32 offers we track, 9 have a clear money rule and a clear time to keep it, so we check both. 14 have a clear money rule but the time is not clear, so we check the money only. 9 pay in parts or each month, or need more than one step, so we show the bank's words instead.
How do you count months?
Banks often count in days. We count each month you keep the money as 30 days, and each month in a bank rule as 31 days. That way we never say you are done too early.
Where do the numbers come from?
From our bank bonus list. Each offer was checked on the bank's own page between Oct 27, 2026 and Nov 10, 2026. When an offer changes, this page changes at our next update.
Offers we can fully check
Capital One 360 Performance Savings, E*TRADE Premium Savings, HSBC Premier Checking, Huntington Perks Checking, Huntington Platinum Perks Checking, Quorum FCU HighMarq Savings, TD Beyond Checking, TD Complete Checking, TD Signature Savings.
For the rest we check what we can and show the bank's words.