Bank Accounts

This site focuses on two main things when it comes to bank accounts:

• Sign up bonuses
• High interest savings accounts

We also have a page dedicated to hub accounts (e.g what account you should use for your regular banking) that lists limits and fees for the more popular accounts.

The Doctor of Credit Difference

Unlike other sites we take putting our readers first seriously. One of the ways we do this is by not using any bank account affiliate links, this means that unlike other sites we don’t get paid whenever we recommend a particular bank/account over another one. This means we can remain truly unbiased and only promote the best accounts to our readers, this is easily reflected by the fact the highest saving accounts rates we have published is 1.5% APY for a basic account and 5% APY for a rewards account. Significantly higher than other sites.

General Information

• Bank account references pages. If there is page regarding bank accounts that you’d be interested in, it will be found here.
• Bank Accounts That Can Be Funded With A Credit Card. Useful for meeting minimum spend requirements on credit card sign up bonuses.
• List Of Methods Banks Count As Direct Deposits. One of the most common requirements for bonuses/high interest accounts is a direct deposit, this lists what work arounds did/didn’t work.
• Is Opening A Bank Account A Soft Or Hard Pull? If they do a hard pull it will affect your credit score, so it’s good to know if they will/won’t do one.
• Introduction To ChexSystems. ChexSystems is something that a lot of financial institutions use to determine if you should or shouldn’t be approved for an account. Learn more about it here.
• What Banks & Credit Unions Do/Don’t Pull ChexSystems?  Not all financial institutions do use ChexSystems, this is a list of those that do and don’t.
• Banks & Credit Unions That Are ChexSystems Inquiry Sensitive. A list of financial institutions that are/aren’t sensitive to ChexSystems inquiries. Generally each account you open will result in one inquiry, if a financial institutions is sensitive they might not approve you if you’ve sign up for a lot of accounts
• PSA: Don’t Call The Bank. Calling the bank especially when it comes to sign up bonuses isn’t a good idea, read this to find out why.
• Complete List Of Ways To Close Bank Accounts At Each Bank. After you’ve opened an account it’s always a good idea to have an exit plan, especially if you’ve only opened it for
• Banks That Allow/Don’t Allow Out Of State Checking Applications. A lot of banks require you to live, work, worship or attend school in a certain state to be eligible for an account. This is a list of if that requirement is enforced, especially if you open the account at a branch.

Bank Account Bonuses

• A Beginners Guide To Bank Account Bonuses. If you’re new to bank account bonuses then this is where you should start, a very thorough guide to everything you need to know.
• Best Bank Account Bonuses. A list of the best current sign up bonuses for deposit accounts.
• Common Bank Bonus Misconceptions + Why You Should Give Them A Go. There are a lot of misconceptions about bank account bonuses, this lists some of these misconceptions and also lists why you should give them a go.
• Bank Account Quick Reference Table (Spreadsheet) (very useful for sorting bonuses by different parameters)
• PSA: Don’t Call The Bank. Calling the bank especially when it comes to sign up bonuses isn’t a good idea, read this to find out why.
• How To Use Our Direct Deposit Page For Bank Bonuses Page. One of the most common requirements for a sign up bonus is a direct deposit, this shows you how to use our direct deposit data point page.
• How Many Bank Accounts Can I Safely Open Within A Year For Bank Bonus Purposes? This depends a lot on whether a bank is ChexSystems sensitive or not, but this is a good rule of thumb.

High Interest Savings Accounts

• We list the highest currently available rates here. This is split up into various sub categories such as basic high interest accounts (e.g they have no requirements to receive the rate) and rewards accounts (e.g these do have requirements to receive the rate such as debit card transactions or direct deposits). We also break it down by accounts that are available nationwide and those that are not.