Author Topic: Bank account churning: how to make $1600 in a year by being organized  (Read 113414 times)

soccerluvof4

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Re: Bank account churning: how to make $1600 in a year by being organized
« Reply #500 on: March 02, 2019, 09:21:35 AM »
So it there or isnt there away to do this with out a payroll check or SS etc... Being fired I dont have a payroll check and to young yet for SS. Still waiting but I think i got burned by PNC on this.

JenniferW

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Re: Bank account churning: how to make $1600 in a year by being organized
« Reply #501 on: March 02, 2019, 09:44:52 AM »
So it there or isnt there away to do this with out a payroll check or SS etc... Being fired I dont have a payroll check and to young yet for SS. Still waiting but I think i got burned by PNC on this.

What about self employment?  I'm disabled and work about an hour a day reselling used stuff I buy from flea market on ebay.  I make about $25 per hour.

kpd905

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Re: Bank account churning: how to make $1600 in a year by being organized
« Reply #502 on: March 03, 2019, 07:01:36 AM »
So it there or isnt there away to do this with out a payroll check or SS etc... Being fired I dont have a payroll check and to young yet for SS. Still waiting but I think i got burned by PNC on this.

ACH transfers from tons of different banks count as direct deposit for PNC.  Here is the list:. https://www.doctorofcredit.com/knowledge-base/list-methods-banks-count-direct-deposits/#PNC

What have you tried so far?

Roots&Wings

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Re: Bank account churning: how to make $1600 in a year by being organized
« Reply #503 on: March 05, 2019, 11:43:22 AM »
I  apparently missed the word "organized" in the thread title.  I made a mistake, and want your advice on how to handle it.

I intended to take advantage of the Columbia Bank $300 business checking and $200 personal checking deal.  I opened the personal checking account with the $200 code, which is correct.  But I opened a personal savings account with the $300 code, which is the wrong type of account for the bonus.

I don't know them well but so far it seems this bank doesn't care much about churners.

Questions:

Should I close down the useless-for-churning savings account right away, or wait 6 months?  I'm leaning towards waiting 6 months.
Should I go back to the same branch to open the business checking account, or a different one (that is about 10 miles further away from my house)?  I'm leaning towards a different one.

Mostly I like to avoid awkward conversations.

Links:

https://www.doctorofcredit.com/wa-or-id-in-branch-columbia-bank-200-checking-bonus/
https://www.doctorofcredit.com/wa-or-id-in-branch-columbia-bank-300-checking-bonus/

Did you decide anything? Having a separate business checking account from a personal account with the same bank is perfectly legitimate (for anyone with a business). If you'd find the conversation awkward though, you could certainly go to a different branch. I'd also lean towards keeping the savings account open if the goal is avoiding any awkwardness.

secondcor521

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Re: Bank account churning: how to make $1600 in a year by being organized
« Reply #504 on: March 05, 2019, 04:07:31 PM »
I  apparently missed the word "organized" in the thread title.  I made a mistake, and want your advice on how to handle it.

I intended to take advantage of the Columbia Bank $300 business checking and $200 personal checking deal.  I opened the personal checking account with the $200 code, which is correct.  But I opened a personal savings account with the $300 code, which is the wrong type of account for the bonus.

I don't know them well but so far it seems this bank doesn't care much about churners.

Questions:

Should I close down the useless-for-churning savings account right away, or wait 6 months?  I'm leaning towards waiting 6 months.
Should I go back to the same branch to open the business checking account, or a different one (that is about 10 miles further away from my house)?  I'm leaning towards a different one.

Mostly I like to avoid awkward conversations.

Links:

https://www.doctorofcredit.com/wa-or-id-in-branch-columbia-bank-200-checking-bonus/
https://www.doctorofcredit.com/wa-or-id-in-branch-columbia-bank-300-checking-bonus/

Did you decide anything? Having a separate business checking account from a personal account with the same bank is perfectly legitimate (for anyone with a business). If you'd find the conversation awkward though, you could certainly go to a different branch. I'd also lean towards keeping the savings account open if the goal is avoiding any awkwardness.

I've decided to leave the savings account open for the six months assuming I can make it fee-free.

I emailed the banker who opened the accounts and she's willing to open a business checking account, but there is a niggling detail - she says the business has to be registered with the Secretary of State, and mine is not.  There may be a way around this that I won't bother explaining here because it is nitpicky.  At this point I'll probably email her back and see what happens.

Thanks for asking!

chaskavitch

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Re: Bank account churning: how to make $1600 in a year by being organized
« Reply #505 on: March 10, 2019, 07:11:53 AM »
Sad day.  I just got rejected for the Capitol One Savor card.  I was really looking forward to that bonus. 

The web page they sent me to says "We can't approve you for this card today... We know you're disappointed, and we've explained why we couldn't approve you in a letter you'll receive within 7-10 business days.  So what can you do now?  Focus on your credit score because generally, the higher your credit score, the better the chance you have of getting approved"

My credit score is over 800, and our household income is >$100,000, what more do they want?  Possibly more monthly credit spending than I listed?  Geez.

chasesfish

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Re: Bank account churning: how to make $1600 in a year by being organized
« Reply #506 on: March 10, 2019, 07:18:19 AM »
Posting to follow.  Trying to figure out how to do this without a paycheck direct deposit.

Should have deferred comp payment kick in come July to the tune of $1500/mo to start

MrsWolfeRN

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Re: Bank account churning: how to make $1600 in a year by being organized
« Reply #507 on: March 10, 2019, 07:37:29 AM »
Sad day.  I just got rejected for the Capitol One Savor card.  I was really looking forward to that bonus. 

The web page they sent me to says "We can't approve you for this card today... We know you're disappointed, and we've explained why we couldn't approve you in a letter you'll receive within 7-10 business days.  So what can you do now?  Focus on your credit score because generally, the higher your credit score, the better the chance you have of getting approved"

My credit score is over 800, and our household income is >$100,000, what more do they want?  Possibly more monthly credit spending than I listed?  Geez.
I got rejected for the same one, and the reason was because I had recently opened another Capitol One card. I was able to open one in my spouse's name.

kpd905

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Re: Bank account churning: how to make $1600 in a year by being organized
« Reply #508 on: March 10, 2019, 07:56:07 AM »
Posting to follow.  Trying to figure out how to do this without a paycheck direct deposit.

Should have deferred comp payment kick in come July to the tune of $1500/mo to start

A lot of the banks will consider ACH transfers from another bank as a direct deposit.  This list shows data points for each bank: https://www.doctorofcredit.com/knowledge-base/list-methods-banks-count-direct-deposits/

If you have an account with Chase or Discover, those can often be used to spoof the DD requirement.  Some of the best ones are Alliant Credit Union and Schwab, from what I've seen.

There was a reddit user a while back who posted a list of ~60 bank account bonuses that he and his wife and gotten in the last 1.5-2 years, and he used ACH transfers for every direct deposit requirement.

chasesfish

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Re: Bank account churning: how to make $1600 in a year by being organized
« Reply #509 on: March 10, 2019, 08:13:24 AM »
Thanks for the link.  I have Fidelity and that looks to trigger the major ones

chaskavitch

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Re: Bank account churning: how to make $1600 in a year by being organized
« Reply #510 on: March 10, 2019, 04:11:27 PM »
Sad day.  I just got rejected for the Capitol One Savor card.  I was really looking forward to that bonus. 

The web page they sent me to says "We can't approve you for this card today... We know you're disappointed, and we've explained why we couldn't approve you in a letter you'll receive within 7-10 business days.  So what can you do now?  Focus on your credit score because generally, the higher your credit score, the better the chance you have of getting approved"

My credit score is over 800, and our household income is >$100,000, what more do they want?  Possibly more monthly credit spending than I listed?  Geez.
I got rejected for the same one, and the reason was because I had recently opened another Capitol One card. I was able to open one in my spouse's name.

Thanks for the info!  I'll see if I can convince him, if they actually rejected me for opening/closing a card too recently.

Duke03

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Re: Bank account churning: how to make $1600 in a year by being organized
« Reply #511 on: March 10, 2019, 06:15:02 PM »
Sad day.  I just got rejected for the Capitol One Savor card.  I was really looking forward to that bonus. 

The web page they sent me to says "We can't approve you for this card today... We know you're disappointed, and we've explained why we couldn't approve you in a letter you'll receive within 7-10 business days.  So what can you do now?  Focus on your credit score because generally, the higher your credit score, the better the chance you have of getting approved"

My credit score is over 800, and our household income is >$100,000, what more do they want?  Possibly more monthly credit spending than I listed?  Geez.

Capitol One hates people with great credit and ones that never carry a balance.  They will hard deny you every time.  They only want customers they can make money off of.  AKA ones with credit scores from 650 to 720 and ones that carry a balance month to month.  Also they've been known to approve people that had cards with them in the past that carried balances ectů.I know it sucks and they wont approve me either, but I really can't hate on them for calling a churner a churner lol and they know they don't make a penny off or churners.

2Birds1Stone

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Re: Bank account churning: how to make $1600 in a year by being organized
« Reply #512 on: March 10, 2019, 07:58:42 PM »
I've been rejected for the Savor card twice!! Fuck Cap One, lol!

JenniferW

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Re: Bank account churning: how to make $1600 in a year by being organized
« Reply #513 on: March 10, 2019, 08:39:45 PM »
My first churning card was Capital One Savor.  I applied with credit score of 790.  My utilization was about 6% when I applied.  Zero late payments / derogatories.   Average credit history 3 years 11 months when I applied.   I was approved instantly if I recall.  The time I applied I believe I had like zero or 1 hard inquiry in past year.

Michael in ABQ

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Re: Bank account churning: how to make $1600 in a year by being organized
« Reply #514 on: March 10, 2019, 09:55:31 PM »
My first churning card was Capital One Savor.  I applied with credit score of 790.  My utilization was about 6% when I applied.  Zero late payments / derogatories.   Average credit history 3 years 11 months when I applied.   I was approved instantly if I recall.  The time I applied I believe I had like zero or 1 hard inquiry in past year.

Pretty much identical story here. I'd been debt free for about two years when I decided to take advantage of an easy $500. No issue getting approved.

slappy

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Re: Bank account churning: how to make $1600 in a year by being organized
« Reply #515 on: March 11, 2019, 08:56:49 AM »
Sad day.  I just got rejected for the Capitol One Savor card.  I was really looking forward to that bonus. 

The web page they sent me to says "We can't approve you for this card today... We know you're disappointed, and we've explained why we couldn't approve you in a letter you'll receive within 7-10 business days.  So what can you do now?  Focus on your credit score because generally, the higher your credit score, the better the chance you have of getting approved"

My credit score is over 800, and our household income is >$100,000, what more do they want?  Possibly more monthly credit spending than I listed?  Geez.

Same happened to me. Credit score of 824, household income just under $100k.

hops

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Re: Bank account churning: how to make $1600 in a year by being organized
« Reply #516 on: March 11, 2019, 10:01:44 AM »
My first churning card was Capital One Savor.  I applied with credit score of 790.  My utilization was about 6% when I applied.  Zero late payments / derogatories.   Average credit history 3 years 11 months when I applied.   I was approved instantly if I recall.  The time I applied I believe I had like zero or 1 hard inquiry in past year.

Pretty much identical story here. I'd been debt free for about two years when I decided to take advantage of an easy $500. No issue getting approved.

My wife applied for the Savor as her first solo credit card (prior to that she was an authorized user on mine). Credit score around 800, student loans always paid on time, no balance on any of our credit cards. She was approved instantly and given a very high credit limit. Income north of $200k.

katsiki

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Re: Bank account churning: how to make $1600 in a year by being organized
« Reply #517 on: March 11, 2019, 08:25:30 PM »
Is there a way to check application status for savor online?

Got the 7-10 response on application on 2/28.  Nothing yet one way or the other.

MasterStache

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Re: Bank account churning: how to make $1600 in a year by being organized
« Reply #518 on: March 15, 2019, 08:08:47 AM »
I just successfully opened my 3rd Huntington consumer account today in the last 2 years. We'll see if lucky number account 3 nets yet another bonus. I also received a business bonus early last year. Huntington has been a gold mine for me.   

Edit to add I actually use the business account for business expenses. I have no intention of closing it anytime soon.

ducky19

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Re: Bank account churning: how to make $1600 in a year by being organized
« Reply #519 on: March 15, 2019, 01:00:42 PM »
How many Capital One cards do you already have? They have a hard limit of two cards per customer (not like Chase or Barclay who let you have an apparently unlimited number). If you already have two cards with them, it doesn't matter how high your credit score is, they will deny you. You would need to cancel an existing card first. Not to get picky, but shouldn't this topic be under a credit card churning thread? I was expecting to see a lot of talk about checking account bonus churning here...

I just had an offer for $400 from Wells Fargo that I'm churning for a checking account. Also currently churning a Commerce Bank one with no direct deposit requirements for $200. I usually get at least $800 a year from these types of bonuses, but looks like this year might shape up to be better than that!

tralfamadorian

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Re: Bank account churning: how to make $1600 in a year by being organized
« Reply #520 on: March 15, 2019, 01:32:21 PM »
I think I've gotten into a groove that works for me with bank account churning.

Once a quarter I pick out three offers to churn from a list that I maintain from the daily doctor of credit email. I found that I can typically open three new accounts in one day before I start getting rejected. The previous quarter's accounts are usually in a holding pattern at that time as requirements typically ask for 1-3 months of deposits. At the same time quarter-before-that usually has a couple of accounts that required six months account duration to close without a penalty that are just sitting.

So, it's only once every three months that I spend an hour or so opening the new accounts and adding the direct deposits to my payroll, removing the previous quarter's accounts from payroll and closing the quarter-before-that's accounts.

It's not perfect; some accounts you can sweep the deposited funds out early, close as soon as the bonus arrives, the direct deposit has to extend to 5-6 months, etc but it's nice to know that if I get busy, it will all be fine if I just go in at the beginning of the quarter and check my spreadsheet for any early closures/long deposit periods. Typically I clear $500-750/quarter. Not a bad hourly wage!

Anyway, those of use who have been doing this awhile know all these details but I thought it might be helpful for any newbies lurking about.
« Last Edit: March 15, 2019, 01:35:12 PM by tralfamadorian »

JenniferW

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Re: Bank account churning: how to make $1600 in a year by being organized
« Reply #521 on: March 15, 2019, 03:43:25 PM »
I think I've gotten into a groove that works for me with bank account churning.

Once a quarter I pick out three offers to churn from a list that I maintain from the daily doctor of credit email. I found that I can typically open three new accounts in one day before I start getting rejected. The previous quarter's accounts are usually in a holding pattern at that time as requirements typically ask for 1-3 months of deposits. At the same time quarter-before-that usually has a couple of accounts that required six months account duration to close without a penalty that are just sitting.

So, it's only once every three months that I spend an hour or so opening the new accounts and adding the direct deposits to my payroll, removing the previous quarter's accounts from payroll and closing the quarter-before-that's accounts.

It's not perfect; some accounts you can sweep the deposited funds out early, close as soon as the bonus arrives, the direct deposit has to extend to 5-6 months, etc but it's nice to know that if I get busy, it will all be fine if I just go in at the beginning of the quarter and check my spreadsheet for any early closures/long deposit periods. Typically I clear $500-750/quarter. Not a bad hourly wage!

Anyway, those of use who have been doing this awhile know all these details but I thought it might be helpful for any newbies lurking about.

Just curious, how many thousands of dollars do you need to manage these many accounts? I've only done one checking account so far and that was Chase Total Checking -- very easy to do and got $300.  All I have to do is deposit $500 each month into that account and there are no fees whatsover.. have to do this for 6 months.

Trying to do my next checking account and after looking through many on doctor of credit I just don't see one is like Chase.  They require large sums of cash to sit in the account, have like $3000 monthly direct deposit requirements or want you to do a dozen or more debit card transactions each month.    Definitely not interested in all the debit card transactions because I like using my credit card I am currently churning for as many purchases as possible.  So does it come down to just having large sums of cash?  Have to keep in mind I will be losing 2.25% interest rate I'd have by leaving that money in Ally.com.

I dunno what to do.

apkanne

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Re: Bank account churning: how to make $1600 in a year by being organized
« Reply #522 on: March 15, 2019, 04:21:36 PM »
Just curious, how many thousands of dollars do you need to manage these many accounts?

Most of the accounts have a $1500 minimum it seems, some have 3-5k, but the 5k may be limited to something like 'maintain a $5000 balance for 60 days' but then the bank account itself only requires $1500 to be fee free.

As for the debit card transactions, I go to a not sketch gas station and make a few very small debit transactions. Yes its annoying, but I spend less than $40 per debit card requirement, which I dont think would hurt your churning. GL

JenniferW

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Re: Bank account churning: how to make $1600 in a year by being organized
« Reply #523 on: March 15, 2019, 06:35:51 PM »
Just curious, how many thousands of dollars do you need to manage these many accounts?

Most of the accounts have a $1500 minimum it seems, some have 3-5k, but the 5k may be limited to something like 'maintain a $5000 balance for 60 days' but then the bank account itself only requires $1500 to be fee free.

As for the debit card transactions, I go to a not sketch gas station and make a few very small debit transactions. Yes its annoying, but I spend less than $40 per debit card requirement, which I dont think would hurt your churning. GL

Thanks.  It just seems like a lot of work for some very little money.  Most of those rewards are like $150 or less.  If I spend $40 at a gas station in many small transactions it's like losing $30 there alone because all of the items there at the gas station cost 4 times as much as what I am used to spending.  I make all my food from scratch and have a price book.   I might stick with just churning credit cards for a while :)

kpd905

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Re: Bank account churning: how to make $1600 in a year by being organized
« Reply #524 on: March 15, 2019, 07:07:15 PM »
@tralfamadorian I wonder if you just got unlucky in the past and picked Chex sensitive banks when you got rejected, because I have only been rejected for two banks now out of 80+ in the last 2-3 years. 

@JenniferW The bonuses pay $100+ per hour easily, so a lot of work for a little money depends on what your salary is I guess.  Debit requirements can be done by reloading $0.50 at a time to your Amazon account, in about 2 minutes total.  Otherwise you can use a debit card to send money to someone via Venmo or Facebook Messenger for free, so that also takes about 2 minutes to fulfill the requirements.  I don't mess around with leaving my couch to use my debit card.

tralfamadorian

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Re: Bank account churning: how to make $1600 in a year by being organized
« Reply #525 on: March 15, 2019, 07:20:52 PM »
I think I've gotten into a groove that works for me with bank account churning.

Once a quarter I pick out three offers to churn from a list that I maintain from the daily doctor of credit email. I found that I can typically open three new accounts in one day before I start getting rejected. The previous quarter's accounts are usually in a holding pattern at that time as requirements typically ask for 1-3 months of deposits. At the same time quarter-before-that usually has a couple of accounts that required six months account duration to close without a penalty that are just sitting.

So, it's only once every three months that I spend an hour or so opening the new accounts and adding the direct deposits to my payroll, removing the previous quarter's accounts from payroll and closing the quarter-before-that's accounts.

It's not perfect; some accounts you can sweep the deposited funds out early, close as soon as the bonus arrives, the direct deposit has to extend to 5-6 months, etc but it's nice to know that if I get busy, it will all be fine if I just go in at the beginning of the quarter and check my spreadsheet for any early closures/long deposit periods. Typically I clear $500-750/quarter. Not a bad hourly wage!

Anyway, those of use who have been doing this awhile know all these details but I thought it might be helpful for any newbies lurking about.

Just curious, how many thousands of dollars do you need to manage these many accounts? I've only done one checking account so far and that was Chase Total Checking -- very easy to do and got $300.  All I have to do is deposit $500 each month into that account and there are no fees whatsover.. have to do this for 6 months.

Trying to do my next checking account and after looking through many on doctor of credit I just don't see one is like Chase.  They require large sums of cash to sit in the account, have like $3000 monthly direct deposit requirements or want you to do a dozen or more debit card transactions each month.    Definitely not interested in all the debit card transactions because I like using my credit card I am currently churning for as many purchases as possible.  So does it come down to just having large sums of cash?  Have to keep in mind I will be losing 2.25% interest rate I'd have by leaving that money in Ally.com.

I dunno what to do.

I skip the ones that require debit card transactions (too much work) or too much capital (I want an adjusted APR of 50%+). All the savings account bonuses seem to cluster in the mid-low teens in return so I've only done a couple and don't plan on more. Maybe at some point I'll run out of low hanging fruit and will not be able to find 3 new ones every quarter without loosening my requirements but for now it hasn't been an issue.

I've done the TD Bank ($2,500 deposit) and PNC ($5k over 60 days) but most have clustered around $200-$300/deposit according to my spreadsheet. I divert ~$600-$900 in payroll direct deposits into the new accounts. As the result, the deposits to my normal payroll checking account are a little lean but at the same time that this is occurring, there are the deposits plus bonuses from the quarter-before-last accounts being sent to that regular checking.

So for me, no, it has not required additional cash of any kind. I treat the funds tied up in these accounts as an extension of my emergency fund. In a SHTF situation, I can just pull out the balance, close the accounts and walk away from the bonuses. However, it's a mischaracterization for me to say that it does not require cash. It does but it's just money that- for me- would be sitting in another cash equivalent account earning significantly less otherwise.

I just looked through my balances on the six accounts currently open. 3x$0, 1x$5, 1x$1,500, 1x$2,500. There's some cash tied up but that $4,000 is also "earning" $650 this quarter aka 65% APR. A little more work that throwing it in an Ally saving account and forgetting about it but also earning a boatload more than $22 (2.2% APR).
« Last Edit: March 15, 2019, 07:42:48 PM by tralfamadorian »

tralfamadorian

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Re: Bank account churning: how to make $1600 in a year by being organized
« Reply #526 on: March 15, 2019, 07:49:38 PM »
@tralfamadorian I wonder if you just got unlucky in the past and picked Chex sensitive banks when you got rejected, because I have only been rejected for two banks now out of 80+ in the last 2-3 years. 

That is entirely possible @kpd905 . One quarter I had two rejections in a row on account #4 and #5 then the next quarter was rejected on #4. They were local banks and credit unions so maybe that was more of the reason and it was just bad luck.

But it's ended up being a good number for me. It keeps the number of accounts low enough to be manageable. I don't MS and the deposit requirements have been easy to cashflow with my payroll. And, as I mentioned in the post previous, it ends up being a nice number for a secondary emergency fund.

therethere

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Just curious, how many thousands of dollars do you need to manage these many accounts?

Most of the accounts have a $1500 minimum it seems, some have 3-5k, but the 5k may be limited to something like 'maintain a $5000 balance for 60 days' but then the bank account itself only requires $1500 to be fee free.

As for the debit card transactions, I go to a not sketch gas station and make a few very small debit transactions. Yes its annoying, but I spend less than $40 per debit card requirement, which I dont think would hurt your churning. GL

Thanks.  It just seems like a lot of work for some very little money.  Most of those rewards are like $150 or less.  If I spend $40 at a gas station in many small transactions it's like losing $30 there alone because all of the items there at the gas station cost 4 times as much as what I am used to spending.  I make all my food from scratch and have a price book.   I might stick with just churning credit cards for a while :)

For the few I do that require debit card transactions... I just go on Amazon and buy #x of $1.xx gift cards. $1.08, $1.00, $1.10, etc.