{
  "meta": {
    "last_build_check": "2026-10-26",
    "benchmark_apy": 4.0,
    "benchmark_note": "Opportunity-cost benchmark: a no-strings high-yield savings rate. 4.00% APY = Live Oak Bank Personal Savings as shown on liveoakbank.com/personal-savings/ on 2026-10-26.",
    "verification_levels": {
      "issuer": "Terms read on the bank/fintech's own page on the last_verified date.",
      "partial": "Headline read on the issuer's page; some requirements come from an aggregator page (named in secondary_source).",
      "aggregator": "Only seen on a third-party roundup page we fetched (named in source_url). Not yet confirmed on the issuer's page. Treat as UNVERIFIED.",
      "secondary": "From a third-party page that quotes the issuer's terms; the issuer's own page blocked our fetch. Treat as UNVERIFIED until checked."
    },
    "last_expiry_check": "2026-10-26"
  },
  "offers": [
    {
      "id": "sofi-checking-savings-400",
      "provider": "SoFi",
      "product": "SoFi Checking and Savings",
      "kind": "checking",
      "category": "fintech",
      "nationwide": true,
      "bonus_usd": 400,
      "bonus_text": "$50 or $400 (tiered by direct deposit total)",
      "requirements": {
        "direct_deposit_usd": 5000,
        "direct_deposit_note": "$5,000+ in eligible direct deposits within 25 calendar days of your first eligible direct deposit ($1,000-$4,999.99 pays $50).",
        "capital_usd": 0,
        "spend_usd": 0,
        "window_days": 25,
        "payout_lag_days": 10,
        "invite_or_referral_needed": false,
        "credit_product_needed": false,
        "other": "New and existing SoFi members who have never set up direct deposit with SoFi."
      },
      "base_apy": null,
      "expires": "2026-12-31",
      "expires_note": "SoFi must receive your first eligible direct deposit on or before 12/31/26. Promotion window 5/15/2026-12/31/2026.",
      "fine_print": "Only payroll/pension/government ACH counts; Zelle, PayPal, Venmo, bank ACH transfers, wires and tax refunds do not. Bonus paid within 7 business days. May be reported on 1099-MISC. SoFi can end the promo any time.",
      "source_url": "https://www.sofi.com/banking/checking-offer/",
      "secondary_source": null,
      "verification": "issuer",
      "last_verified": "2026-10-26",
      "affiliate": {
        "program": "SoFi affiliate program (Impact)",
        "url": "AFFILIATE_PLACEHOLDER_SOFI",
        "status": "placeholder"
      },
      "status": "open",
      "days_left": 66,
      "stale": false
    },
    {
      "id": "etrade-max-rate-checking-400",
      "provider": "E*TRADE (Morgan Stanley Private Bank)",
      "product": "Max-Rate Checking",
      "kind": "checking",
      "category": "online",
      "nationwide": true,
      "bonus_usd": 400,
      "bonus_text": "$400 with promo code MAXRATE26",
      "requirements": {
        "direct_deposit_usd": 3000,
        "direct_deposit_note": "At least 2 direct deposits of $1,500+ each within 90 days of opening.",
        "capital_usd": 0,
        "spend_usd": 0,
        "window_days": 90,
        "payout_lag_days": 30,
        "invite_or_referral_needed": false,
        "credit_product_needed": false,
        "other": "Open online by 1/10/2027 with code MAXRATE26; fund within 90 days. Not eligible if you had an E*TRADE Checking/Max-Rate Checking account in the last 12 months."
      },
      "base_apy": null,
      "expires": "2027-01-10",
      "expires_note": "Account must be opened 10/20/2026-01/10/2027.",
      "fine_print": "Bonus assessed after day 90, paid on or about day 120. Terms say the promo code must come from an authorized affiliate marketing partner. Checking APY 2.00% only on balances of $10,000+ (0.05% below). Bonus reported on 1099; 24% backup withholding if no W-9.",
      "source_url": "https://us.etrade.com/promo/checking-offer",
      "secondary_source": null,
      "verification": "issuer",
      "last_verified": "2026-10-26",
      "affiliate": {
        "program": "E*TRADE affiliate program (CJ Affiliate, per third-party listing)",
        "url": "AFFILIATE_PLACEHOLDER_ETRADE",
        "status": "placeholder"
      },
      "status": "open",
      "days_left": 76,
      "stale": false
    },
    {
      "id": "chase-total-checking-400",
      "provider": "Chase",
      "product": "Chase Total Checking",
      "kind": "checking",
      "category": "big-bank",
      "nationwide": true,
      "bonus_usd": 400,
      "bonus_text": "$400",
      "requirements": {
        "direct_deposit_usd": 1000,
        "direct_deposit_note": "Direct deposits totaling $1,000+ within 90 days of offer enrollment.",
        "capital_usd": 0,
        "spend_usd": 0,
        "window_days": 90,
        "payout_lag_days": 15,
        "invite_or_referral_needed": false,
        "credit_product_needed": false,
        "other": "New Chase checking customers only. One new-checking bonus every two years."
      },
      "base_apy": null,
      "expires": "2027-01-27",
      "expires_note": "Offer expires 01/27/2027 (open by).",
      "fine_print": "$15 monthly service fee unless $500+ qualifying electronic deposits, $1,500+ daily balance, or other waivers. Zelle, mobile check deposits, bank/brokerage transfers and tax refunds do not count as direct deposit. Bonus within 15 days of completing requirements.",
      "source_url": "https://account.chase.com/consumer/banking/seo?jp_aid_a=T_67651&jp_aid_p=chasehome_3%2Fhero",
      "secondary_source": null,
      "verification": "issuer",
      "last_verified": "2026-10-26",
      "affiliate": {
        "program": "Chase Refer-a-Friend ($50 per eligible referral, up to $500/yr, existing customers only)",
        "url": "AFFILIATE_PLACEHOLDER_CHASE_REFERRAL",
        "status": "placeholder"
      },
      "status": "open",
      "days_left": 93,
      "stale": false
    },
    {
      "id": "chime-intro-350",
      "provider": "Chime",
      "product": "Chime Checking ($350 Intro Offer, invitation only)",
      "kind": "checking",
      "category": "fintech",
      "nationwide": true,
      "bonus_usd": 350,
      "bonus_text": "Up to $350 ($200 deposit bonus + up to $150 card cash back)",
      "requirements": {
        "direct_deposit_usd": 500,
        "direct_deposit_note": "One qualifying direct deposit of $500+ within 34 days of opening; activate physical card within 14 days of it.",
        "capital_usd": 0,
        "spend_usd": 1500,
        "window_days": 90,
        "payout_lag_days": 14,
        "invite_or_referral_needed": true,
        "credit_product_needed": false,
        "other": "Invitation required (Chime app, text, push, email or ad) and you must enroll on that offer page. First-time Chime customers only. Full $150 cash back needs ~$500/month of eligible card spend for 90 days (10% back, $50/month cap)."
      },
      "base_apy": null,
      "expires": "2027-01-31",
      "expires_note": "Per the cited terms, valid 3/25/2026-1/31/2027.",
      "fine_print": "Rent, bill payments, gift cards, money transfers and ATM withdrawals don't earn the cash back. Credits of $10+ reported on 1099-INT. Chime is a fintech, not a bank (accounts at The Bancorp Bank, N.A. or Stride Bank, N.A.).",
      "source_url": "https://usedoddo.com/guides/chime-vs-sofi",
      "secondary_source": "chime.com/350-intro-offer/ blocked our fetcher (Cloudflare) on 2026-10-26; NerdWallet's Oct 2026 roundup also lists 'Chime: up to $350'.",
      "verification": "secondary",
      "last_verified": "2026-10-26",
      "affiliate": {
        "program": "None for publishers (Chime program removed from FlexOffers 8/19/2026 per Affilitizer). Member referral link only.",
        "url": "AFFILIATE_PLACEHOLDER_CHIME_REFERRAL",
        "status": "placeholder"
      },
      "status": "open",
      "days_left": 97,
      "stale": false
    },
    {
      "id": "chime-referral-100",
      "provider": "Chime",
      "product": "Chime Checking (friend referral)",
      "kind": "referral",
      "category": "fintech",
      "nationwide": true,
      "bonus_usd": 100,
      "bonus_text": "$100 to the new member",
      "requirements": {
        "direct_deposit_usd": 200,
        "direct_deposit_note": "Single qualifying direct deposit of $200+ within 45 days of opening.",
        "capital_usd": 0,
        "spend_usd": 0,
        "window_days": 45,
        "payout_lag_days": 14,
        "invite_or_referral_needed": true,
        "credit_product_needed": false,
        "other": "Must open through an existing member's referral link and activate the physical card within 14 days of the qualifying deposit."
      },
      "base_apy": null,
      "expires": null,
      "expires_note": "Standard program, no end date published.",
      "fine_print": "Referrers can earn for up to 10 referrals per calendar year. Payout timing is not stated on the help page; our day count uses the 14-day card-activation window as the lag.",
      "source_url": "https://help.chime.com/what-is-chimes-standard-referral-program-eca42e30",
      "secondary_source": null,
      "verification": "issuer",
      "last_verified": "2026-10-26",
      "affiliate": {
        "program": "Chime member referral (requires our own Chime account)",
        "url": "AFFILIATE_PLACEHOLDER_CHIME_REFERRAL",
        "status": "placeholder"
      },
      "status": "open",
      "days_left": null,
      "stale": false
    },
    {
      "id": "sofi-referral-25",
      "provider": "SoFi",
      "product": "SoFi Checking and Savings (friend referral)",
      "kind": "referral",
      "category": "fintech",
      "nationwide": true,
      "bonus_usd": 25,
      "bonus_text": "$25 to the new member (+$25 more if they subscribe to SoFi Plus at $10/mo)",
      "requirements": {
        "direct_deposit_usd": 0,
        "direct_deposit_note": "No direct deposit needed: deposits totaling $50+ within 25 days (ACH, direct deposit, debit-card funding, cash, mobile check or wire; P2P and FedNow don't count).",
        "capital_usd": 50,
        "spend_usd": 0,
        "window_days": 25,
        "payout_lag_days": 10,
        "invite_or_referral_needed": true,
        "credit_product_needed": false,
        "other": "Must be your first SoFi product, opened via a friend's referral link. Can't combine with SoFi's '$20 Open Offer'."
      },
      "base_apy": null,
      "expires": "2026-11-04",
      "expires_note": "Promotion period 10/1/2026-11/4/2026 11:59pm ET.",
      "fine_print": "Bonus within 7 business days of qualifying (no later than 74 days). The extra $25 requires a paid $10/month SoFi Plus subscription, so we don't count it. Whether it stacks with the $400 direct-deposit bonus isn't stated on this page.",
      "source_url": "https://www.sofi.com/offers/bank-referral/",
      "secondary_source": null,
      "verification": "issuer",
      "last_verified": "2026-10-26",
      "affiliate": {
        "program": "SoFi member referral ($75-$100 to referrer)",
        "url": "AFFILIATE_PLACEHOLDER_SOFI_REFERRAL",
        "status": "placeholder"
      },
      "status": "open",
      "days_left": 9,
      "stale": false
    },
    {
      "id": "percapita-300",
      "provider": "Percapita",
      "product": "Percapita Cash Account + Visa Debit",
      "kind": "checking",
      "category": "fintech",
      "nationwide": true,
      "bonus_usd": 300,
      "bonus_text": "Up to $300 ($25 cash back per month for 12 months)",
      "requirements": {
        "direct_deposit_usd": 0,
        "direct_deposit_note": "No direct deposit required.",
        "capital_usd": 0,
        "spend_usd": 3600,
        "window_days": 365,
        "payout_lag_days": 0,
        "invite_or_referral_needed": false,
        "credit_product_needed": false,
        "other": "Spend $300/month on the Percapita Visa Debit Card to get $25 back that month, every month for a year."
      },
      "base_apy": null,
      "expires": null,
      "expires_note": "No end date on the homepage. Doctor of Credit (10/26/2026) reports a participant cap of 7,000 people.",
      "fine_print": "Homepage says 'Terms apply; see full details and promotional disclosure' — we have not read that disclosure yet. Percapita is not a bank; deposits held at Sutton Bank, Member FDIC (pass-through insurance).",
      "source_url": "https://www.percapita.com/",
      "secondary_source": "https://www.doctorofcredit.com/best-bank-account-bonuses/",
      "verification": "issuer",
      "last_verified": "2026-10-26",
      "affiliate": {
        "program": "None found",
        "url": null,
        "status": "none"
      },
      "status": "open",
      "days_left": null,
      "stale": false
    },
    {
      "id": "bask-checking-300-boost",
      "provider": "Bask Bank",
      "product": "Bask Interest Checking + Interest Savings bundle",
      "kind": "checking",
      "category": "online",
      "nationwide": true,
      "bonus_usd": 300,
      "bonus_text": "Up to $300 cash + 0.40% APY boost (4.30% APY) on new savings for up to 6 months",
      "requirements": {
        "direct_deposit_usd": 0,
        "direct_deposit_note": "Per Doctor of Credit: $2,500 monthly deposits (type not confirmed on issuer page).",
        "capital_usd": 10000,
        "spend_usd": 0,
        "window_days": 180,
        "payout_lag_days": 0,
        "invite_or_referral_needed": false,
        "credit_product_needed": false,
        "other": "Per Doctor of Credit: $10,000 deposit held six months plus $2,500 monthly deposits. 'Qualifying requirements' wording only on bask's homepage."
      },
      "base_apy": 3.9,
      "expires": null,
      "expires_note": "'Limited time' per issuer; no date published.",
      "fine_print": "Base Interest Savings 3.90% APY; checking 1.00% APY. Requirement details (deposit size, hold) come from Doctor of Credit, not Bask's own terms. Our math assumes the $10k earns the 3.90% savings rate.",
      "source_url": "https://www.baskbank.com/",
      "secondary_source": "https://www.doctorofcredit.com/best-bank-account-bonuses/",
      "verification": "partial",
      "last_verified": "2026-10-26",
      "affiliate": {
        "program": "Unknown — not researched yet",
        "url": null,
        "status": "none"
      },
      "status": "open",
      "days_left": null,
      "stale": false
    },
    {
      "id": "live-oak-savings-300",
      "provider": "Live Oak Bank",
      "product": "Personal High-Yield Savings",
      "kind": "savings",
      "category": "online",
      "nationwide": true,
      "bonus_usd": 300,
      "bonus_text": "$300 (new or existing customers)",
      "requirements": {
        "direct_deposit_usd": 0,
        "direct_deposit_note": "No direct deposit.",
        "capital_usd": 20000,
        "spend_usd": 0,
        "window_days": 90,
        "payout_lag_days": 0,
        "invite_or_referral_needed": false,
        "credit_product_needed": false,
        "other": "Deposit $20,000 and maintain 90 days (per Doctor of Credit)."
      },
      "base_apy": 4.0,
      "expires": null,
      "expires_note": "Not published.",
      "fine_print": "The 4.00% APY was read on Live Oak's page; the $300 bonus and its terms are only on Doctor of Credit so far. Savings has no debit card or checks; incoming portal ACH held 5 business days.",
      "source_url": "https://www.doctorofcredit.com/best-bank-account-bonuses/",
      "secondary_source": "https://www.liveoakbank.com/personal-savings/ (APY 4.00% confirmed; bonus not shown there)",
      "verification": "partial",
      "last_verified": "2026-10-26",
      "affiliate": {
        "program": "Unknown — not researched yet",
        "url": null,
        "status": "none"
      },
      "status": "open",
      "days_left": null,
      "stale": false
    },
    {
      "id": "etrade-premium-savings-400",
      "provider": "E*TRADE (Morgan Stanley Private Bank)",
      "product": "Premium Savings",
      "kind": "savings",
      "category": "online",
      "nationwide": true,
      "bonus_usd": 400,
      "bonus_text": "$400-$800 (tiered)",
      "requirements": {
        "direct_deposit_usd": 0,
        "direct_deposit_note": "No direct deposit.",
        "capital_usd": 20000,
        "spend_usd": 0,
        "window_days": 60,
        "payout_lag_days": 0,
        "invite_or_referral_needed": false,
        "credit_product_needed": false,
        "other": "Doctor of Credit: $20,000 deposit for 60+ days (lowest tier shown). NerdWallet lists 'up to $800 + 4.25% for 6 months'. Tiers not confirmed on E*TRADE's site."
      },
      "base_apy": 4.0,
      "expires": null,
      "expires_note": "Not found.",
      "fine_print": "Two aggregators disagree on details (DoC: 4% APY; NerdWallet: 4.25% for 6 months). The E*TRADE savings URL we tried returned 404. Re-verify before featuring.",
      "source_url": "https://www.doctorofcredit.com/best-bank-account-bonuses/",
      "secondary_source": "https://www.nerdwallet.com/banking/best/bank-bonuses-and-promotions",
      "verification": "aggregator",
      "last_verified": "2026-10-26",
      "affiliate": {
        "program": "E*TRADE affiliate program (CJ Affiliate, per third-party listing)",
        "url": "AFFILIATE_PLACEHOLDER_ETRADE",
        "status": "placeholder"
      },
      "status": "open",
      "days_left": null,
      "stale": false
    },
    {
      "id": "wealthfront-cash-boost",
      "provider": "Wealthfront",
      "product": "Cash Account (new-client APY boost)",
      "kind": "apy-boost",
      "category": "fintech",
      "nationwide": true,
      "bonus_usd": 40.63,
      "bonus_text": "+0.65% APY for 3 months on up to $150,000 (≈$40.63 extra on a $25,000 example balance)",
      "requirements": {
        "direct_deposit_usd": 0,
        "direct_deposit_note": "No direct deposit needed for the new-client boost.",
        "capital_usd": 25000,
        "spend_usd": 0,
        "window_days": 92,
        "payout_lag_days": 0,
        "invite_or_referral_needed": false,
        "credit_product_needed": false,
        "other": "New clients who fund a Cash Account. $25,000 is our example balance; boost applies to balances up to $150,000."
      },
      "base_apy": 3.55,
      "expires": null,
      "expires_note": "No end date published.",
      "fine_print": "Base APY 3.55% as of 10/01/2026, paid by program banks; reverts to base after 3 months. Wealthfront is not a bank (FDIC via program banks, up to $8M).",
      "source_url": "https://www.wealthfront.com/cash",
      "secondary_source": null,
      "verification": "issuer",
      "last_verified": "2026-10-26",
      "affiliate": {
        "program": "Wealthfront affiliate (Impact/Sovrn, per third-party listing; listed payout is for investing-account conversions)",
        "url": "AFFILIATE_PLACEHOLDER_WEALTHFRONT",
        "status": "placeholder"
      },
      "status": "open",
      "days_left": null,
      "stale": false,
      "boost": {
        "apy_pct": 0.65,
        "max_balance_usd": 150000,
        "months": 3,
        "note": "From wealthfront.com/cash: new clients get a 0.65% APY boost for 3 months on up to $150,000."
      }
    },
    {
      "id": "varo-referral",
      "provider": "Varo Bank",
      "product": "Varo Bank Account (friend referral)",
      "kind": "referral",
      "category": "fintech",
      "nationwide": true,
      "bonus_usd": null,
      "bonus_text": "Varies — amount shown in the Varo app/email",
      "requirements": {
        "direct_deposit_usd": 500,
        "direct_deposit_note": "Qualifying direct deposits of $500-$1,000 (amount depends on your offer) within 45 days.",
        "capital_usd": 0,
        "spend_usd": 0,
        "window_days": 45,
        "payout_lag_days": 42,
        "invite_or_referral_needed": true,
        "credit_product_needed": false,
        "other": "Never a Varo customer before; must open via an existing customer's referral link."
      },
      "base_apy": null,
      "expires": null,
      "expires_note": "Runs until Varo terminates it (terms effective 8/12/2026).",
      "fine_print": "Bonus paid within 30 business days of the qualifying deposit. Reported on 1099-MISC. Referrer bonuses limited to first 5 friends per year.",
      "source_url": "https://www.varomoney.com/policy/referral-program/",
      "secondary_source": null,
      "verification": "issuer",
      "last_verified": "2026-10-26",
      "affiliate": {
        "program": "Varo member referral",
        "url": "AFFILIATE_PLACEHOLDER_VARO_REFERRAL",
        "status": "placeholder"
      },
      "status": "open",
      "days_left": null,
      "stale": false
    },
    {
      "id": "capital-one-360-checking-250",
      "provider": "Capital One",
      "product": "360 Checking",
      "kind": "checking",
      "category": "online",
      "nationwide": true,
      "bonus_usd": 250,
      "bonus_text": "$250",
      "requirements": {
        "direct_deposit_usd": null,
        "direct_deposit_note": "Not verified.",
        "capital_usd": null,
        "spend_usd": null,
        "window_days": null,
        "payout_lag_days": null,
        "invite_or_referral_needed": false,
        "credit_product_needed": false,
        "other": "Requirements not verified — Capital One's page returned no readable content to our fetcher."
      },
      "base_apy": null,
      "expires": null,
      "expires_note": "Unknown.",
      "fine_print": "Listed by NerdWallet ('Earn up to $250 with 360 Checking. Terms apply.'). UNVERIFIED.",
      "source_url": "https://www.nerdwallet.com/banking/best/bank-bonuses-and-promotions",
      "secondary_source": null,
      "verification": "aggregator",
      "last_verified": "2026-10-26",
      "affiliate": {
        "program": "Unknown — not researched yet",
        "url": null,
        "status": "none"
      },
      "status": "open",
      "days_left": null,
      "stale": false
    },
    {
      "id": "citi-regular-checking-325",
      "provider": "Citi",
      "product": "Citi Regular Checking",
      "kind": "checking",
      "category": "big-bank",
      "nationwide": true,
      "bonus_usd": 325,
      "bonus_text": "$325",
      "requirements": {
        "direct_deposit_usd": null,
        "direct_deposit_note": "Not verified (NerdWallet: 'Citi checking with direct deposit').",
        "capital_usd": null,
        "spend_usd": null,
        "window_days": null,
        "payout_lag_days": null,
        "invite_or_referral_needed": false,
        "credit_product_needed": false,
        "other": "Doctor of Credit notes a separate $475 version that may be limited to certain markets."
      },
      "base_apy": null,
      "expires": "2026-10-26",
      "expires_note": "Bonusfolio lists end date 2026-10-26.",
      "fine_print": "UNVERIFIED on citi.com. Date from Bonusfolio's 'ending soon' page.",
      "source_url": "https://bonusfolio.com/guides/bonuses-ending-soon/",
      "secondary_source": "https://www.nerdwallet.com/banking/best/bank-bonuses-and-promotions",
      "verification": "aggregator",
      "last_verified": "2026-10-26",
      "affiliate": {
        "program": "Unknown — not researched yet",
        "url": null,
        "status": "none"
      },
      "status": "ends-today",
      "days_left": 0,
      "stale": false
    },
    {
      "id": "us-bank-smartly-450",
      "provider": "U.S. Bank",
      "product": "Bank Smartly Checking",
      "kind": "checking",
      "category": "big-bank",
      "nationwide": false,
      "bonus_usd": 450,
      "bonus_text": "Up to $450 (select states/regions)",
      "requirements": {
        "direct_deposit_usd": 8000,
        "direct_deposit_note": "Doctor of Credit: direct deposits of $2,000-$8,000 (tiered); max tier assumed.",
        "capital_usd": 0,
        "spend_usd": 0,
        "window_days": null,
        "payout_lag_days": null,
        "invite_or_referral_needed": false,
        "credit_product_needed": false,
        "other": "NerdWallet says only available in select states/regions. 12-month anti-churn per DoC."
      },
      "base_apy": null,
      "expires": "2026-11-10",
      "expires_note": "Bonusfolio lists end date 2026-11-10.",
      "fine_print": "U.S. Bank's Smartly product page (fetched 10/26) does not show the bonus. $12 monthly fee waived first 2 statements; then $1,500 DD or $1,500 avg balance etc. UNVERIFIED bonus.",
      "source_url": "https://bonusfolio.com/guides/bonuses-ending-soon/",
      "secondary_source": "https://www.doctorofcredit.com/best-bank-account-bonuses/",
      "verification": "aggregator",
      "last_verified": "2026-10-26",
      "affiliate": {
        "program": "Unknown — not researched yet",
        "url": null,
        "status": "none"
      },
      "status": "open",
      "days_left": 15,
      "stale": false
    },
    {
      "id": "chase-checking-900",
      "provider": "Chase",
      "product": "Chase checking ($900 tier)",
      "kind": "checking",
      "category": "big-bank",
      "nationwide": true,
      "bonus_usd": 900,
      "bonus_text": "$900 (checking-only version)",
      "requirements": {
        "direct_deposit_usd": 10000,
        "direct_deposit_note": "$10,000 in total direct deposits (Doctor of Credit).",
        "capital_usd": 0,
        "spend_usd": 0,
        "window_days": null,
        "payout_lag_days": null,
        "invite_or_referral_needed": false,
        "credit_product_needed": false,
        "other": "A separate combo version needs a savings account funded with $15,000 for 90 days plus any direct deposit."
      },
      "base_apy": null,
      "expires": "2027-01-27",
      "expires_note": "Doctor of Credit: valid through 1/27/27.",
      "fine_print": "UNVERIFIED on chase.com (we only fetched the $400 page). Deposit window not confirmed, so days-based metrics are blank.",
      "source_url": "https://www.doctorofcredit.com/best-bank-account-bonuses/",
      "secondary_source": null,
      "verification": "aggregator",
      "last_verified": "2026-10-26",
      "affiliate": {
        "program": "Chase Refer-a-Friend (existing customers)",
        "url": "AFFILIATE_PLACEHOLDER_CHASE_REFERRAL",
        "status": "placeholder"
      },
      "status": "open",
      "days_left": 93,
      "stale": false
    },
    {
      "id": "moomoo-cash-1000",
      "provider": "Moomoo",
      "product": "Moomoo Cash Account (brokerage)",
      "kind": "brokerage",
      "category": "fintech",
      "nationwide": true,
      "bonus_usd": 1000,
      "bonus_text": "Up to $1,000, paid in NVDA fractional shares",
      "requirements": {
        "direct_deposit_usd": 0,
        "direct_deposit_note": "No direct deposit.",
        "capital_usd": 100000,
        "spend_usd": 0,
        "window_days": 180,
        "payout_lag_days": 0,
        "invite_or_referral_needed": false,
        "credit_product_needed": false,
        "other": "Top tier: $100,000 deposit held 180 days (lower tiers with lower holds exist). ACH/wire only, no ACATS."
      },
      "base_apy": null,
      "expires": "2026-10-31",
      "expires_note": "Bonusfolio: first deposit must settle by 10/31/26.",
      "fine_print": "Brokerage, not FDIC-insured bank deposits (SIPC applies). Bonus is stock you can sell. Bonusfolio mentions a stackable sweep APY promo we haven't verified, so our math assumes 0% on the cash. UNVERIFIED on moomoo.com (help page didn't render).",
      "source_url": "https://www.doctorofcredit.com/best-bank-account-bonuses/",
      "secondary_source": "https://bonusfolio.com/guides/bonuses-ending-soon/",
      "verification": "aggregator",
      "last_verified": "2026-10-26",
      "affiliate": {
        "program": "Unknown — not researched yet",
        "url": null,
        "status": "none"
      },
      "status": "ending-soon",
      "days_left": 5,
      "stale": false
    },
    {
      "id": "public-webull-transfer-3pct",
      "provider": "Public",
      "product": "Brokerage/IRA transfer from Webull",
      "kind": "brokerage",
      "category": "fintech",
      "nationwide": true,
      "bonus_usd": 3000,
      "bonus_text": "3% of assets transferred from Webull (shown here at a $100k example; cap $30,000), paid monthly over 72 months",
      "requirements": {
        "direct_deposit_usd": 0,
        "direct_deposit_note": "No direct deposit.",
        "capital_usd": 0,
        "spend_usd": 0,
        "window_days": 2190,
        "payout_lag_days": 0,
        "invite_or_referral_needed": false,
        "credit_product_needed": false,
        "other": "Transfer from Webull only. Paid in 72 monthly installments; leave early and keep what's been paid. Capital shown as $0 parked: transferred assets stay invested, so we don't charge cash opportunity cost (market risk is not modeled)."
      },
      "base_apy": null,
      "expires": "2026-10-26",
      "expires_note": "Offer window Oct 7-26, 2026 (Bonusfolio, Big Bank Bonuses).",
      "fine_print": "Investments can lose value. Bonusfolio notes Public's own disclosure page didn't render for them either. UNVERIFIED.",
      "source_url": "https://bonusfolio.com/guides/bonuses-ending-soon/",
      "secondary_source": "https://bigbankbonuses.com/article/robinhood-sofi-public-3-percent-webull-transfer-bonus",
      "verification": "aggregator",
      "last_verified": "2026-10-26",
      "affiliate": {
        "program": "Unknown — not researched yet",
        "url": null,
        "status": "none"
      },
      "status": "ends-today",
      "days_left": 0,
      "stale": false
    },
    {
      "id": "robinhood-acats-match-oct-2026",
      "provider": "Robinhood",
      "product": "Brokerage account transfer match (Hood Summit 2026)",
      "kind": "brokerage",
      "category": "fintech",
      "nationwide": true,
      "bonus_usd": null,
      "bonus_text": "Personalized 1%-3% match on net transferred assets (flat 3% from Webull), uncapped",
      "requirements": {
        "direct_deposit_usd": 0,
        "direct_deposit_note": "No direct deposit.",
        "capital_usd": null,
        "spend_usd": 0,
        "window_days": 1825,
        "payout_lag_days": 0,
        "invite_or_referral_needed": false,
        "credit_product_needed": false,
        "other": "ACATS transfer from an outside brokerage initiated in the offer period. 5-year hold to avoid proportional chargeback."
      },
      "base_apy": null,
      "expires": "2026-10-16",
      "expires_note": "Offer period ended 10/16/2026 8:59:59pm PT.",
      "fine_print": "Expired. Kept for history and to show the auto-expiry flag working.",
      "source_url": "https://robinhood.com/us/en/support/articles/2026-Hood-Month-ACAT-Match/",
      "secondary_source": null,
      "verification": "issuer",
      "last_verified": "2026-10-26",
      "affiliate": {
        "program": "Unknown — not researched yet",
        "url": null,
        "status": "none"
      },
      "status": "expired",
      "days_left": -10,
      "stale": false
    }
  ]
}