Interest Desk

Interest Desk

Bank bonuses and savings accounts, read off the terms.

Every figure on this site was read from the bank's own published terms, on the date printed next to it. Nothing is estimated, and nothing is quoted from another comparison site.

Read, not aggregated

Bonus amounts, deposit requirements, windows and fee schedules come from the bank's own offer page and disclosure documents — not from another comparison site's table.

Dated on the page

A published offer changes without notice. Every product here carries the date its terms were read, next to the link to read them yourself.

The arithmetic, done

An advertised bonus is not what lands in your account. Each episode runs the fees and the tax against the headline number and shows the balance.

Reference

  1. What "direct deposit" means at six US banks

    The same three words gate most checking bonuses and most fee waivers. Six banks publish six different rules. Here they are in full, with the exclusion lists.

Episodes

  1. Publishing soon

    Chase Says Zelle Doesn't Count. Citi Counts It.

    What counts as a qualifying direct deposit for a bank bonus — Chase, Citi, Wells Fargo, U.S. Bank, Capital One and Truist terms read in full (August 2026)

    Chase Total Checking · Wells Fargo Everyday · U.S. Bank Smartly® · Capital One 360 · Citibank Checking · Truist One

  2. Chase Says $1,000. Its Own Page Says $500.

    Chase $400 bonus requirements — what the direct deposit rule actually says (August 2026)

    Chase Total Checking® · Wells Fargo Everyday Checking · U.S. Bank Smartly® Checking