Institutions

Reference pages: how each institution behaves — pulls, sensitivity, cooldowns — plus its live and past offers.

Institution	Live offers	ChexSystems / pull	Bonus cooldowns
Chase Bank & card issuer	3 ($1,150 cash + points)	Soft pull for checking; low new-account sensitivity	Checking bonus: once per 24 months · Sapphire bonus: once per 48 months
Wells Fargo Bank & card issuer	1 ($325 cash)	Soft pull reported for checking	Checking: no Wells bonus in the past 12 months (verify current terms)
Capital One Bank & card issuer	2 ($250 cash + points)	No ChexSystems pull reported for 360 accounts	360 Checking: once ever per customer
BMO Bank	1 ($400 cash)	Soft pull reported	Checking: verify current exclusion window
Huntington Bank	1 ($400 cash)	Soft pull reported; moderate sensitivity	Checking: verify current exclusion window
American Express Card issuer	0	Not applicable — no consumer checking bonuses currently listed	Once per lifetime per card product (see rule)
J.P. Morgan Brokerage (Chase affiliate)	1 ($1,000 cash)	Not applicable	Self-Directed bonus: new-to-JPM investment money only
Robinhood Brokerage	1	Not applicable	Match bonuses carry multi-year holds — see entry
inKind Dining app	1 ($50 cash)	Not applicable	Referral bonus: new accounts only
Rakuten Cashback portal	1 ($50 cash)	Not applicable	New-member bonus: once per person; referral bonuses unlimited