Here’s EXACTLY how you can begin churning bank accounts and receiving sign up bonuses, step by step, and a few of the best offers in 2019 – enjoy! Add me on Instagram: GPStephan

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This concept is very simple for anyone to do…just like you can sign up for credit cards and get free travel, free hotels, and cash back signup bonuses…you can also sign up for bank accounts and get cash rewards.

All you need to do to earn this bonus is open up a checking or savings account, move your money into that account for the minimum time period…which is typically 60-90 days…then get the bonus, and use that money to go and open up ANOTHER account elsewhere. Repeat, and every step of the way can be worth anywhere from $100-$600 depending on the offer and how much money you have to work with. .

Now of course, there are a few downsides to doing this…they aren’t major, BUT, this is what you need to watch out for:

1. The first is that some banks will require you keep a minimum average balance, otherwise they’ll charge you a maintenance fee.
2. The second downside is that most of these accounts aren’t offering you a 2.25% interest rate like accounts such as Marcus by Goldman Sachs or PNC bank. This means that you LOSE that 2.25% interest rate in exchange for getting a larger cash bonus…however, in almost every circumstance, the short term bonus you get is worth substantially more than the interest you’d get just keeping it in another account. So the net profit is going to be worth it.
3. And finally, this takes a little more time to do this than just signing up for a credit card…opening up a bank account is slightly more involved, not by much if you can do it all online…but it still takes a little work. I

These are the offers mentioned in the video:

Chase Bank – Up to a $600 Bonus:

Citibank – Up to a $600 Bonus:
Deposit $5000 and keep in there for 60 days for $200 Bonus:

Deposit $15,000 for 60 days and make a direct deposit and receive $500:

Deposit $50,000 for 60 days and they’ll give you $600.

Capital One 360:
Deposit $10,000 and receive $200 within 60 days:

PNC Bank:
Earn $200 by arranging qualifying direct deposits of at least $2000 and making 10 debit card purchases on your account:

Or, you can earn $300 by arranging those direct deposits of $5000 or more and making the 10 debit card purchases:

Bank of America: $200 Bonus
Open an Advantage Plus Banking and deposit $100 or more, they’ll give you $100 bonus.

List of many more:

My ENTIRE Camera and Recording Equipment:

Favorite Credit Cards:
Chase Ink 100k Bonus Point Offer – 
American Express Platinum – 
what's the guys it's Graham here so really quick I want you to ask yourself these three very important questions number one do you want to make an easy 500 bucks number two do you have some free time on your hands that you can kill and number three do you have some extra money lying around you won't really need over the next few months well if you answered yes to these three questions then go ahead and smash that like button if you haven't already but real though if you answered yes to these questions that I have a very interesting opportunity for you to make some extra cash with a very minimal effort and yes I know what you're probably thinking by now and I'm very starting to disappoint you but it's not bit connect instead it's an opportunity that I like to call bank account churning and this concept is very simple for just about anyone to do now just like you can go and sign up for a credit card to get free travel free airfare free hotel free a lot of other stuff with the signup bonus you can also sign up for bank accounts and get a similar cash reward and also not many people seem to know about this either since it's not really that big yet and very few people seem to talk about it and I have a feeling that eventually his credit card reward slowly starts to taper off more and more people are going to start to turn to bank account churning as a way to earn some pretty decent side money but the reason why most banks end up doing this is try to get your attention and earn your business over other banks and by offering a cash signup bonus it's a great way to gain loyal long-term customers and these sorts of bonuses are constantly revolving and changing over time which means that right now there are so many opportunities out there that are available to you and earning these bonuses is usually very simple and all you need to do is open up a checking or savings account with one of the banks move your money in there for the minimum time period which is typically between 60 and 90 days then once you get the bonus after that time you take your money out and then you take that money and open up another bank account elsewhere so basically you could just repeat this process and every step along the way is worth anywhere from a hundred bucks all the way up to a thousand dollars depending on the offer and how much money you have to work with just think about that for a second how much bit connect and avocado toast could buy you a lot of course there are a few downsides when doing this there's nothing really major but these are a few things that you should absolutely be made aware the first one is that many banks out there require that you hold an average daily balance in that account otherwise they start hitting you with maintenance fees and trust me when I say this just like I'm totally against ever paying any interest on a credit card never pay any sort of maintenance fee on a bank account it's so unnecessary you never need to do this and avoid ever having a maintenance fee in your account that that that's the worst so in order to really do this properly for free it's really important that you understand whatever the minimum daily balance is that you need to keep in that account and make sure you do that so you don't get hit with any sort of maintenance fee the second downside here is what I like to call opportunity cost in the sense that most of these savings accounts are checking accounts are not offering you like a 2.25 percent interest rate like marcus by goldman sachs lloyd PNC Bank this means that you're going to be foregoing getting like a 2.25 percent interest rate in exchange for getting a much larger more substantial cash bonus upfront but keep in mind that in almost every single scenario that I've ever looked at these cash bonuses for signing up are always significantly higher than what you would be making in a high-interest savings account so the net profit you'll get from doing this is substantially higher than keeping your money in a savings account and finally number three it ends up taking a little bit more time to do this than just opening up a credit card opening up a bank account is a little bit more involved not by much if you can do it all online but still takes a little bit more work and when counting all of this every single minute matters so with that said I did a lot of research deep on the interwebs to find the best bank account bonuses out there and these are some of the best bonuses that are available today and I say all of this as of January 11th 2019 so if you're watching this in the future some of these offers may have changed and also what's up future people I hope the future is going well but keep in mind that if these offers have changed I will make an update video to this video with maybe some new offers in the future and also all the links to these offers are in the description so make sure to check that out and none of them are referral links I have no financial incentive and you signing up for any of these I don't get anything from it none of this video is sponsored they're just straight-up offers that I was able to find that seemed like good deals so that's it I don't get money from any of that just they're good offers so enjoy so number one let's start off with one of the simplest offers out there but probably also one of the best offers out there but just as a warning this offer expires January 19th 2019 so if you want this you have to act somewhat quickly but this offer is when you use the direct link in the description to open up a chase bank account and of course to be eligible you must be a brand new chase bank customer for new customers you're gonna be getting a $300 signup bonus when you open up a new chase checking account and set up direct deposit then you can make an extra two hundred dollars if you open up a chase savings account and deposit fifteen thousand dollars within twenty business days and keep that balance in there for 90 days and then of course if you do both of those they will give you an extra $100 bonus this means that you can make a guaranteed $600 in 90 days if you have $15,000 and maybe 20 minutes of your time to spare and that works out to be a guaranteed 4% return on your money in about 3 months and you could do most of this just sitting at your computer however just remember that the chase checking account ends up charging you a service fee if your daily balance drops below $1500 and also the savings account has a fee if your balance drops below $300 so you'll definitely want to keep the minimum balances in there so you don't get charged any sort of service fees whatsoever because that is awful just don't do that but otherwise this is a great way to earn an extra like 5 600 bucks for really just 20 minutes worth of work now number 2 we have another bank account that I myself use as well and that would be Citibank and yes I'm aware that some people like to call them a bank but I have yet to have any sort of issues with them besides their app just being kind of old and dated but besides that they have been pretty decent but with this Bank you can earn up to $600 by opening up an account and depositing their minimum requirement for instance open an account deposit $5,000 and keep it in there for 60 days and they'll give you $200 or open up an account deposit $15,000 for 60 days and make a direct deposit and receive $500 or if you're a baller and you just have a spare 50 and dollars lying around deposit that fifteen thousand dollars for sixty days and they'll give you six hundred dollars just like every other bank out there you do need to keep a minimum of fifteen hundred dollars in there to waive all of their monthly fees so just go ahead and make sure you keep at least that amount in there okay so now the next one is just a pretty simple and pretty decent offer and they're just all around a pretty good bank account but that would be the Capital One 360 account with just a few minutes worth of work and Oh a ten thousand dollar deposit you'll receive a two hundred dollar bonus within sixty days now the reason why this offer is so good is that Capital One 360 is one of the highest interest rates out there in the savings account when you deposit more than ten thousand dollars in there and that right now is at 2% and I have a feeling that's gonna be going up over the next maybe month or so as interest rates go up that is going to go up as well and also this account is free of all fees which is absolutely amazing so this means if you take your $200 profit and pull out all of your $10,000 you're not gonna be stuck keeping any sort of minimum balance in there or being stuck paying any fees it's a completely free account and this also means that you just made another two hundred dollars with really just a few minutes worth of work okay so the next one is another Bank that I talked about recently is really being one of the best savings accounts out there because they had what are the highest interest rates out there which right now is about two point three five percent and that would be PNC Bank you can earn up to three hundred dollars opening up an account with them as follows you can earn two hundred dollars by arranging qualifying direct deposits of at least two thousand dollars and making ten debit card purchases on your account or you can earn three hundred dollars by arranging those direct deposits of five thousand dollars or more and making the same ten debit card purchases then you'll end up getting your bonus within 90 days of meeting those requirements and also if you keep a minimum of $500 in those accounts they're gonna waive any sort of service fee now really quick here's a very cool life hack for all of you who want to get around that hole like ten debit card transactions thing because that is such a huge hassle what I have done in the past that works really well is you go on Amazon and you just buy ten $1.00 electronic gift cards that's it it codes as ten debit card transactions you do that ten times then you have ten bucks on Amazon that you're probably just gonna spend and way it's super easy to do it takes maybe like two minutes to do it but anyway that's how I get around it it's pretty simple it's worked really well for me so go ahead enjoy now the next one I want to mention really isn't a lot of money but it's a very simple one for people to do if you have like an extra hundreds of like fifteen hundred dollars lying around and also this is the bank I pretty much use for all my day-to-day stuff and checking and savings at all my day-to-day spending is done with this and that would be Bank of America if you sign up for their Advantage Plus banking and deposit a hundred dollars they will reward you with an extra hundred bucks now the only thing to keep in mind with this is that they do end up charging you a twelve dollar monthly maintenance fee which is absolutely bull unless you keep a minimum balance in there of fifteen hundred dollars or you set up direct deposit of at least two hundred and fifty dollars a month or if you're a student under the age of 24 so for all of these students out there who don't already have this account this is probably one of the easiest things to do just open up an account it's totally free put on 100 bucks get 100 bucks back keep the account to open since you're a student and it's free and just enjoy there you go and I get it – 100 bucks isn't a lot of money but hey you know what 100 bucks is a hundred bucks no obviously I can only mention so many in a video like this before this video just gets way too long and people start complaining that I'm just babbling and dragging the video on just so I can hit ten minutes and and get that YouTube algorithm sweet spot so I will just link to everything else in the description trust me when I say this there are dozens of offers out there it would be impossible for me to mention all of them so I'm going to link to my resources in the description if you want to check out every other opportunity that's available they start from about a hundred bucks and go all the way up to a thousand dollars or sometimes even higher depending on how much money you have to work with and depending on the offer in your state and of course I just want to mention this here one last time is that none of this video is sponsored no one is paying me to make this video I use none of my own referral links for any of those bank accounts in the description the only referral links I have in here there's an Amazon referral link at the very bottom and also a referral link for the American Express Platinum that's it everything else is not any sort of rollin so I don't get anything from it so with that said you guys thank you so much for watching I really appreciate it if you had two already smash that like button make sure to smash like button smash the subscribe button if you're not already subscribed you should it's free to subscribe just to just hit the subscribe button also hit the notification bell so you can be a part of the notification squad and try to comment early and try to beat kion and Beetle Eve for the first comment also feel free to add me on snapchat and Instagram I post her pretty much daily so if you want to be a part of it there feel free to add me there thank you again for watching and until next time