Churn Chart

See my Churn Chart below.  I look at the fine print of recent personal checking account bank bonus offers and only extract the time required between your last account, last enrollment, and/or last bonus.  Typically bonus eligibility is determined by the time from the last bonus or from the last account.  Sometimes offers have both restrictions.  "12 & 24 months" would be at least 12 months from the last account, but also 24 months from the last bonus.  The time since the last account is most important because someone who had an account in the past, even if they never got a bonus before, is still constricted by those rules.

I only update this page every couple of months, so some of the links may be dead.  Banks are pretty slow to change the churning rules, but it does happen.  Always read all the terms for an offer before submitting the application.  

Also, I only follow bonuses that are applicable to me.  The checkmarks on the right side indicate that I have successfully churned them (in accordance with their designated time limits) in the past.