The Churn Score — The Only Number You Need
By Neal Shankar · Published June 9, 2026
Learn what the Churn Score is, how its Unverified, Estimated, and Verified states work, and how green, yellow, orange, and red zones guide bank bonus sequencing.
Frequently asked questions
Is the Churn Score an approval guarantee?
No. The Churn Score is a planning signal for deposit-account screening exposure. Banks still control their own approval policies, identity checks, state rules, and promotion eligibility. Use the score to decide timing before you apply.
Why are there three score states?
The states tell you how much input quality sits behind the score. Unverified means more history is needed. Estimated means partial history is available. Verified means real account names and opening dates support the strongest read.
What should I do in the red zone?
Pause new account openings that add screening pressure. Use the time to finish existing bonuses, clean up fees, record keep-open dates, and let recent activity age. Red is the zone where waiting is usually the move.
Does the score show raw ChexSystems and EWS reports?
The score does not replace your consumer reports. It gives you a composite planning read from the account history you enter. You can still pull official reports when you need to dispute inaccurate information or audit your file.
How often does the score move?
The score moves as account openings age and as you add new activity. BonusBreaker shows the schedule so you can see when pressure is expected to cool and when a later application may fit better.