Systematically open bank accounts with $200–$500 sign-up bonuses; typical churner earns $2K–$10K/yr.
Major banks (Chase, BofA, Citi, US Bank, PNC, Wells Fargo, Fifth Third, HSBC, SoFi, dozens of credit unions) offer $200–$500+ bonuses to open new checking accounts with a qualifying direct deposit or minimum balance. Track offers via DoctorOfCredit / Reddit r/churning. Set up direct deposit rerouting via payroll or ACH pushes from other banks. Meet bonus terms (30–90 days), collect bonus, close after grace period. Bonuses ARE taxable (1099-INT/MISC) but yield is 1000%+ on time invested. Some regions have 5–15 offers/yr live.
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4/8/13/17/26-week Treasury Bills yield 4.5–5.3%, exempt from state/local tax — beats HYSA in high-tax states by 30–70 bp.
Brokered CDs via Fidelity/Schwab/Vanguard aggregate FDIC-insured yields nationwide — often 30–100 bp above local banks.
Rotate cash across the top 3–5 HYSAs/MMFs every 3–6 months as promo rates change — pickup 30–150 bp/yr.
Buy a long-duration CD when rates are high, break early when rates fall — pay small EWP for large gain vs current rates.
Interactive Brokers margin (5.83%) or Schwab PAL beats HELOC (9%+) for short-term liquidity — no appraisal, funded same-day.
Structure ownership + banks correctly for $1.5M+ FDIC per person — single, joint, POD, revocable trust each get $250K.
Fintech cash accounts pay 4.5–5% via bank sweep networks — some offer $250 signup bonuses stacked on top.
Bring $250K–$1M assets to a big-bank private client tier — get 0.125–0.375% mortgage rate discount + closing credits.