Most bank bonuses require a "direct deposit" to earn the bonus. But banks define that differently. Some only count payroll. Others count ACH transfers from fintechs like Venmo or PayPal. These data points are community-reported results from r/churning and Doctor of Credit . We verify and update these regularly.
Use the filters below to find data points for a specific bank or DD source.
Last updated: Mar 22, 2026 46 data points across 14 banks
All banks Associated Bank Bank of America BMO Chase Chime CIT Bank Citibank E*TRADE Huntington Bank KeyBank PNC Bank Truist U.S. Bank Wells Fargo All DD sources AMEX Ally Bask Bank Buying Group Capital One Chase Chase (As Someone Else) Chime Employer / Payroll Fidelity Fidelity Brokerage Novo PayPal Public.com Schwab SoFi Tax Refund
Showing 20 of 46 data points
✓ Worked Bank of America ← Employer / Payroll 1d ago DoC ↗ Report incorrect data point 2/6/26 application pending
✓ Worked Bank of America ← Ally 1d ago DoC ↗ Report incorrect data point 2/6/26 application pending
✓ Worked Bank of America ← Capital One 1d ago DoC ↗ Report incorrect data point 2/6/26 application pending
✓ Worked Bank of America ← Tax Refund 1d ago DoC ↗ Report incorrect data point 2/6/26 application pending
✓ Worked Bank of America ← Fidelity 2d ago DoC ↗ Report incorrect data point DP: Opened account on 1/13/26, instant approval, funded with $25 from debit card
✓ Worked Bank of America ← Employer / Payroll 4d ago DoC ↗ Report incorrect data point ✓ Worked Bank of America ← Chase 4d ago DoC ↗ Report incorrect data point ✓ Worked KeyBank ← Employer / Payroll 5d ago DoC ↗ Report incorrect data point ✓ Worked KeyBank ← Capital One 5d ago DoC ↗ Report incorrect data point ✗ Failed Chime ← SoFi 8d ago DoC ↗ Report incorrect data point ✓ Worked Chime ← Employer / Payroll 8d ago DoC ↗ Report incorrect data point ✓ Worked PNC Bank ← Ally 10d ago DoC ↗ Report incorrect data point ✓ Worked PNC Bank ← PayPal 10d ago DoC ↗ Report incorrect data point ✓ Worked PNC Bank ← Public.com 10d ago DoC ↗ Report incorrect data point ✓ Worked PNC Bank ← Fidelity 10d ago DoC ↗ Report incorrect data point ✓ Worked Wells Fargo ← Employer / Payroll 12d ago DoC ↗ Report incorrect data point 2/13/26 Account opened with $10 transfer from other bank.
✓ Worked Associated Bank ← Employer / Payroll 12d ago DoC ↗ Report incorrect data point Payout DP: Novo works as DD. You can verify your DD works if you see the two-days early message on the deposit. "Early P…
by Gadget 🕵️♂️ Bank Bonus Geek 🔗
Show more ✓ Worked Associated Bank ← Novo 12d ago DoC ↗ Report incorrect data point Payout DP: Novo works as DD. You can verify your DD works if you see the two-days early message on the deposit. "Early P…
by Gadget 🕵️♂️ Bank Bonus Geek 🔗
Show more ✓ Worked U.S. Bank ← Schwab 19d ago DoC ↗ Report incorrect data point Extraordinary rapid bonus payout:
✓ Worked U.S. Bank ← Capital One 19d ago DoC ↗ Report incorrect data point Extraordinary rapid bonus payout:
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