Turn your paycheck into thousands a year in bank bonuses.
Become the Bonus Breaker. Turn your paycheck into thousands a year in bank bonuses with Chex/EWS-aware bank sequencing and automatic paycheck routing.
Calculate your Churn Score, pick your banks, climb the ladder.
A single 0–100 number that replaces your spreadsheet. It tracks your decay-weighted Chex/EWS exposure so you know exactly when to open accounts and when to pause. No more juggling inquiry counts, decay math, or bank-by-bank guesswork. One number replaces it all.
Every bank bonus ranked by inquiry type and Chex/EWS sensitivity, automatically refreshed every week so your tracker never goes stale. Pick the banks you want, then sequence them on the ladder below.
Sequence your banks against your real paycheck dates and watch the exact routing split, score impact, and bonus timeline calculate live. Or hit Build My Ladder and we'll do it for you.
Make Every Paycheck Count Twice
Enter your recent account open dates or connect via Plaid for automatic tracking.
Get a decay-weighted read on your Chex and EWS exposure so you know exactly which account to open next.
Route every paycheck to the right account and collect every bonus in full.
Only if you want to. BonusBreaker is manual by default, you enter the dates and amounts you track. On the Breaker plan, you can optionally connect your bank via Plaid for automatic tracking. We do not see your login, and you can disconnect anytime.
A Churn Score is a decay-weighted read on your ChexSystems and Early Warning Services exposure, expressed as a number from 0 to 100. Under 100, you're in play. At 100, you pause until it decays. It's the difference between knowing your limit before you apply and finding out the hard way at the bank.
ChexSystems tracks account openings, closures, and overdrafts, and it can be frozen. EWS is a fraud-oriented network co-owned by several large banks, it tracks more detail, cannot be frozen, and a negative mark there can follow you across every member bank. BonusBreaker scores both and weighs EWS more heavily because the damage is harder to undo.
Every account you open uses up a limited amount of your Chex and EWS budget, with the biggest bonuses costing the most. Open them in the wrong order and you burn that budget before you reach the accounts with the largest payouts. BonusBreaker sequences your openings so you hit the high-value banks while you still have room to get approved.
A spreadsheet stores what you type. BonusBreaker scores your risk, tells you which banks are safe to open right now, sequences them in the optimal order, and reminds you before every direct deposit deadline. It's the difference between a map you have to redraw by hand and a GPS warning you before you miss your exit. We also pull updated bonus terms every week automatically, so your tracker stays current without you lifting a finger. Your spreadsheet never did that.
Bank bonus tracking is about ChexSystems and EWS, which are separate from the credit bureaus that calculate your FICO score. Most deposit account openings do not involve a hard credit pull, though a few banks do one. BonusBreaker flags every bank that pulls credit before you open, so nothing catches you off guard.
The first 100 members can lock in BonusBreaker at $59 per year, a rate that stays locked for as long as the subscription stays active. Once all 100 slots are claimed, the founding rate closes.
Every account starts with 14 days of full Breaker access, our top plan. No card required to start. If you do not upgrade by day 14, your account automatically downgrades to the free Scout plan. Nothing you tracked disappears, it's waiting for you whenever you upgrade.
Yes. Cancel anytime from your account settings. You keep access through the end of your billing period, then drop to the free Scout plan. Your tracked data stays with you.