A List Of Churnable Bank Account Bonuses

This page is being updated for 2025, if there are any we are missing let us know in the comments below. 

In this post we will look at bank account bonuses that are churnable (can be completed more than once). I’ve split the list into nationwide bonuses and state specific bonuses, this is by no means a comprehensive list, but I’ll add to it as I see new opportunities arise. In addition we will list the official churnable rules and also if they are churnable more often than what is listed.

Please make sure you always check the fine print of each offer, as they sometimes vary offer to offer. It’s always clearly spelled out in the fine print what the rules are.

Nationwide

Axos Bank

Axos Bank reserves the right to limit each primary account holder to one (1) checking account promotional offer per year

Bank of America

Can’t have had an account within the last six months:

• This offer is intended for new checking customers only; you are not eligible for this offer if you were a signer on or owner of a Bank of America personal checking account within the last twelve (12) months.

Bask Bank

• Is churnable, the eligibility changes each bonus but will say something like ‘Offer is not available to individuals who were the primary owner of a Bask Interest Checking Account before July 1, 2025’

Capital One 

Usually you can’t have had an account open in the last 180 day

• Applicants who are users on Capital One Business checking accounts open in the last 180 days are ineligible for the bonus

Chase

The official rule is that you can “You can receive only one new checking and one new savings account opening related bonus every two years from the last enrollment date and only one bonus per account.” Previously this was once every calendar year, it looks like the new rule is not back dated, for more information on that read this post here.

Chime

• Yes: 1, 2, 3, 

Citi

Terms state:

have not owned a Citi checking account in the last 365 days

Fairwinds Credit Union

Terms state:

The referred individual may not have previously been an owner on or a party to a FAIRWINDS account

This is enforced:

• Cannot churn: 1,

Live Oak Bank

• Can only receive one bonus per promotion period

PNC

Can’t have received a bonus in the last 24 months, or been an account holder in the last 90 days

• New account will not be eligible for offer if any signer has signing authority on an existing PNC Bank consumer checking account or has closed an account within the past 90 days, or has been paid a promotional premium in the past 24 months.

SoFi

Not churnable.

• Churnable: 1, 2,
• Not churnable: 1

U.S. Bank

Can’t have received a bonus from U.S. Bank or had a checking account in the last 12 months:

• U.S. Bank Smartly^® Checking bonus: To be eligible, you or any owner(s) on your new Bank Smartly Checking account cannot have an existing U.S. Bank consumer checking account, had a U.S. Bank consumer checking account in the last 12 months or received other U.S. Bank consumer checking bonus offers within the past 12 months

Wells Fargo

• Churnable: 1, 2,

Wings Financial Credit Union

• Not churnable: 1,

State Specific

Atlantic Union Bank – VA, MD, NC

Churnable according to this comment.

Bank & Trust

This bank have terms that say bonus is not available to “customers or those who had accounts open on or before ”. According to this comment that is not enforced.

BMO Harris – AZ, FL, IL, IN, KS, MO, MN and WI

Can’t be an existing account holder or have closed an account within the past 12 months. Fine print reads:

• Offer is not available to existing BMO Harris personal checking customers (including signers on joint accounts) or those who have closed a BMO Harris personal checking account within the past 12 months.

Citizens Bank – MI & OH, CT, DE, MA, NH, NJ, NY, PA, RI, D.C., and VT

These accounts are churnable, the fine print says the following:

• Primary signer on the new checking account may not be or have been a primary or secondary signer on any personal checking account within the previous six months

Fifth Third – FL, GA, IL, IN, KY, MI, NC, OH, TN, WV

Account needs to have been closed for more than 12 13 months before the bonus can be done again

• Offer not available to existing checking or Express Banking customers or to those with a Fifth Third Checking or Express Banking account that has been closed within the last 12 13 months.

First Commonwealth Federal Credit Union – PA, NJ

• New members only (may not be primary owner on any existing account in the past 6 months)

Flagstar Bank – AZ, CA, FL, IN, MI, NJ, NY, OH, WI

• 12 months 

Flushing Bank – NY & NJ

• 24 months (An existing checking customer is defined as anyone who currently has or has had a Flushing Bank checking account within the last 24 months)

Hancock Whitney – LA, MS, FL, AL, TX

Limit of one consumer checking-related bonus per household every two calendar years

Hanmi Bank – CA, IL, NJ, NY, TX, VA

• Can’t have held an account in the last 60 days 

Keybank  – AK, CO, CT, ID, IN, MA, ME, MI, NY, OH, OR, PA, UT, VT, or WA

• No longer possible 

Midland States Bank – IL, MO

• Yes, unsure on time period

M&T Bank – CT, DC, DE, MD, NJ, NY, PA, VA, WV

This account used to be highly churnable, but that is no longer the case. Now you can’t receive the bonus if you’ve had an account open in the past 12 months:

• Cash bonus offers are not available to employees of M&T Bank or any of its affiliates or to customers who have already received a bonus in connection with an M&T personal checking account within the preceding twelve-month period.

OceanFirst Bank – NJ, NY & PA

• Yes, unsure on terms

Regions Bank – AL, AR, FL, GA, IL, IN, IA, KY, LA, MS, MO, NC, SC, TN & TX

Can’t have had an account within a specific time, for example in a recent offer it stated:

• does not apply if you have or had an ownership interest in a Regions checking account on or after January 2, 2018

Usually it’s one year before the promotion started, e.g the above promotion started on January 2nd, 2019.

Santander NH, MA, RI, CT, DE, NY, NJ, PA, or FL

Terms state:

Offer is not available if any account owner is a current checking customer of Santander or had a Santander checking account in the last 12 months prior to account opening.

TBK Bank – CO, IA, IL, KS & TX

• Yes, unsure on specifics

TD Bank – CT, DC, DE, FL, MD, ME, MA, NC, NH, NJ, NY, PA, RI, SC, VT, & VA

Says you can’t be an existing or previous account holder but one reader was able to get two bonuses two years apart.

Truist – AL, AR, GA, FL, IN, KY, MD, MS, NC, NJ, OH, PA, SC, TN, TX, VA, WV or DC

Terms clearly state the exclusion periods, for example: ‘who closed previous accounts before 10/31/23 are eligible now’

Trustco Bank – FL, MA, NJ, NY, VT

• Only one offer of each per eligible customer and household per 12-month period

VantageWest – AZ Only

The official terms state:

• Promotion offered only for new checking accounts and credit cards and does not apply to increases, conversions or re-opening of a closed account or credit card. Certain restrictions may apply.

According to this comment this is not enforced.

WinTrust

• Can churn

Non Churnable Accounts

• Christian Community Credit Union
• Atlantic Union Bank
• Northwest Federal Credit Union