Is that bank bonus actually worth the switch?
Compare the headline offer with account fees, cash tied up in a minimum balance, estimated taxes and the value of your time. Your entries stay in this browser.
How to use the result
- Read the complete offer terms and confirm you can satisfy every requirement without unnecessary spending.
- Count ongoing fees for as long as you realistically expect to keep the account.
- Treat points, devices and gift cards conservatively rather than using their advertised value.
- Check whether moving payroll, pre-authorized payments and billers creates timing or service risks.
- Keep the old account open until deposits and withdrawals have moved successfully, then close it only when safe.
What the estimate does not include
Credit checks, foreign-exchange costs, overdraft charges, lost account history, changes to deposit insurance coverage, promotional-rate changes or the personal value of branch access and customer support may affect your decision.