What is rechurning?
Opening an account at the same bank again after a waiting period to earn the bonus a second (or third) time.
Updated August 2026
Rechurning means earning a bank's sign-up bonus after you have received one from that bank before. Many banks permit this after an eligibility window, usually somewhere between 12 and 36 months.
Some banks spell out the cooldown period clearly in their offer terms. Others are vague about it, and the only way to know what works is community experience. A few banks track your history carefully and will deny the bonus if you got one recently. Others seem to have no memory of you at all.
The cooldown is an eligibility window the bank defines. Some banks care whether you have held any account with them recently. Others only care whether you received the bonus. For the Chase Total Checking bonus, Chase uses a 24-month one-bonus-per-customer window.
If you close an account, leaving a zero balance, no negative history, and no open disputes protects your standing with the bank. Those details can keep a later application from being flagged after the bank's eligibility window has passed. Always confirm the current offer terms before applying.
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