Do you link to my bank accounts?

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.

What is a Churn Score?

A Churn Score is a 0-to-100 measure of your decay-weighted ChexSystems and Early Warning Services exposure: under 100 you are in play, at 100 you pause until it decays. No more juggling deadlines, inquiry counts, and decay math in your head. One number replaces it all.

What is the difference between ChexSystems and EWS?

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.

Why does the order I open accounts in matter?

Banks fall into tiers based on which systems they pull. Opening an expensive account at the wrong time can burn budget you needed for a higher-value bonus later. BonusBreaker sequences your openings so you front-load the right banks and so you never get auto-denied for opening too many accounts in the wrong window.

How is this different from a spreadsheet?

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 recording the game and being told the next move. We also pull updated bonus terms every week automatically, so your tracker stays current without you lifting a finger. Your spreadsheet never did that.

Will this affect my credit score?

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.

What is Founding Member pricing?

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.

How does the 14-day trial work?

Every paid plan starts with 14 days of full Churner access. No card required to start. If you do not add a payment method by day 14, your account automatically downgrades to the free Scout plan. No surprise charges.

Can I Cancel Anytime?

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.

BonusBreaker Blog: bank bonus sequencing and inquiry exposure

June 3, 2026

ChexSystems and EWS Inquiry Decay: How Your Bank Account History Actually Ages

ChexSystems and EWS inquiries do not count equally. Here is the decay model that determines how much each inquiry actually costs you, why EWS outweighs Chex, and how to sequence bank bonuses around it.

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