About Bank Offers
Who runs this site, what we cover, and the editorial principles that guide every page.
Editorial mission
Bank Offers is an independent editorial publication covering US consumer and small-business banking offers: sign-up bonuses on checking, savings, money market, and CD accounts; brokerage transfer bonuses; IRA and 401(k) rollover bonuses; and credit union member offers. The site exists to publish verified, dated, honestly-valued information about offers genuinely worth pursuing — and to be candid about which offers aren't.
We're not a comparison engine, not a deal-a-day blog, and not a directory of every promotion that crosses our desk. The model is closer to a focused editorial publication with a specific beat, written with the assumption that readers have other things to do and want a clear signal rather than exhaustive coverage.
What we cover
- Sign-up bonuses on checking accounts at national banks, regional banks, online challengers, and federally-insured credit unions.
- Savings account bonuses and high-yield APY promotions, with revert rates documented.
- CD rates and CD opening bonuses, with early-withdrawal penalties and term structures.
- Brokerage transfer bonuses (taxable accounts).
- IRA and 401(k) rollover bonuses, with tax-treatment notes.
- Business banking bonuses for sole proprietors, LLCs, and corporations.
- Money market account promotions.
- Evergreen guides on the mechanics, taxes, deposit insurance, ChexSystems, and related foundations.
- Strategy and tooling for tracking, planning, and executing across a year.
What we don't cover
- Credit cards. Card-bonus pursuit is a different category with different mechanics, different regulators, and a different reader base. Many good resources exist; we're not adding another.
- Personal loans, mortgages, auto loans. Lending products require different evaluation criteria than deposit products and aren't our focus.
- Investment recommendations. We may note when a brokerage offers a transfer bonus, but the question of which assets to hold is well outside our brief.
- Cryptocurrency products, including "high-yield" crypto accounts that don't carry deposit insurance.
- Foreign banking products. We cover US institutions only.
How we make money
Some links on this site are affiliate links — meaning we may earn a commission if a reader opens an account through the link. Where this is the case, the link is marked with rel="sponsored nofollow" per FTC guidance and the relationship is disclosed in the disclosure strip at the top of every page.
Affiliate revenue funds the site and the editorial work. It does not buy coverage. Banks that don't have affiliate programs are eligible for coverage on the same terms as those that do. Whether an institution pays a commission has no effect on whether it appears on the site or on how we evaluate its offers. Our complete disclosures policy is on the disclosures page.
What we won't do
- Rewritten press releases. Offer pages live or die on whether the terms are accurate and current. Recycling marketing copy doesn't serve readers.
- Fabricated reviews. Every offer we list is verified against the bank's source. Where we don't have direct experience with a workflow, we say so.
- Paid placement disguised as editorial. Sponsored content, where it ever exists, will be clearly labeled. Editorial recommendations are not for sale.
- Inflated APYs or "up to" headlines without context. The headline number is meaningless if it only applies to a tier you can't realistically reach. We publish the actual numbers and the tier structure.
- "Best of" lists without methodology. Any ranking we publish is tied to the methodology that produced it. Subjective rankings are labeled as such.
Editorial accountability
Bylines are real. The methodology is published and versioned (see methodology). When we make a mistake, we publish a correction with a date — visible on the affected page, not buried. Reader-reported issues route through a real inbox; the contact path is on the contact page.
We don't accept undisclosed gifts, hospitality, or any compensation from institutions we cover beyond the affiliate-link economics described above. Conflicts of interest, where any arise, are disclosed at the page level.
Editorial team
Bank Offers is written and maintained by an independent editorial team focused on US consumer and small-business banking. Coverage decisions, ranking choices, and the methodology that produces them are made internally and are not subject to influence by advertisers, affiliate partners, or the institutions we cover.
Reader inquiries, story tips, correction requests, and business inquiries route through the addresses on the contact page. Corrections are published with a date on the affected page; the process is described in the methodology.
How to read this site
If you're new to the topic, start with how bank bonuses work and getting started. If you're here for a specific category, the offer pages have the current listings and the methodology behind them. If you want to verify the editorial process before relying on any specific page, the methodology page spells it out.
Most of the site is evergreen — guides on FDIC coverage, ChexSystems mechanics, tax treatment — and gets reviewed periodically for accuracy. Offer pages are dated explicitly because the underlying offers change. The "Offers verified: [date]" and "Last reviewed: [date]" stamps are real; if a date is more than a few months old on an offer page, treat the listed terms as approximate and verify directly with the bank.