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Where should $10,000 go for 90 days?

Right now the champion is U.S. Bank Bank Smartly Checking : you keep about +$438 on $10,000 over 90 days. Ranked by math only, checked 2026-10-24.

RankFighterYou keepHow it adds upWhat it takesStatus
★★★U.S. Bank
Bank Smartly Checking		+$438
on $10,000 over 90 days		$450 bonus − $12 est. fees
equals ~17.76% annualized		$8,000 in direct deposits for $450 · Direct deposit · soft pullEnds 2026-11-10
▲▲SoFi
SoFi Checking and Savings		+$400
on $10,000 over 90 days		$400 bonus
equals ~16.22% annualized		$5,000 in direct deposits for $400 · Direct deposit · soft pullEnds 2026-12-31
▲PNC
Virtual Wallet with Performance Select		+$400
on $10,000 over 90 days		$400 bonus
equals ~16.22% annualized		$5,000 in direct deposits · Direct deposit · soft pullEnds 2027-01-07
#4Wells Fargo
Everyday Checking		+$325
on $10,000 over 90 days		$325 bonus
equals ~13.18% annualized		$1,000 in direct deposits · Direct deposit · soft pullEnds 2027-01-13
#5Citi
Citibank Regular Checking		+$325
on $10,000 over 90 days		$325 bonus
equals ~13.18% annualized		$3,000 in Enhanced Direct Deposits · Direct depositEnds in 2 days
#6Chase
Chase Total Checking		+$300
on $10,000 over 90 days		$300 bonus
equals ~12.17% annualized		Any direct deposit · Direct deposit · soft pullEnds 2027-01-27
#7E*TRADE (Morgan Stanley Private Bank)
Premium Savings (intro 6 mo)		+$105
on $10,000 over 90 days		4.25% APY → $105 interestPark it, withdraw anytimeRate
#8PNC
Virtual Wallet		+$100
on $10,000 over 90 days		$100 bonus
equals ~4.06% annualized		$500 in direct deposits · Direct deposit · soft pullEnds 2027-01-07
#9Live Oak Bank
Personal High-Yield Savings		+$99
on $10,000 over 90 days		4% APY → $99 interestPark it, withdraw anytimeRate
#10Barclays
Tiered Savings (top tier)		+$90
on $10,000 over 90 days		3.65% APY → $90 interestPark it, withdraw anytimeRate
#11Synchrony Bank
High Yield Savings		+$88
on $10,000 over 90 days		3.55% APY → $88 interestPark it, withdraw anytimeRate
#12Wealthfront
Cash Account (base)		+$88
on $10,000 over 90 days		3.55% APY → $88 interestPark it, withdraw anytimeRate
#13Marcus by Goldman Sachs
Online Savings		+$86
on $10,000 over 90 days		3.5% APY → $86 interestPark it, withdraw anytimeRate
#14Capital One
360 Performance Savings		+$79
on $10,000 over 90 days		3.2% APY → $79 interestPark it, withdraw anytimeRate
#15Ally Bank
Savings Account		+$79
on $10,000 over 90 days		3.2% APY → $79 interestPark it, withdraw anytimeRate

Heat is based on real CashWars visitor clicks.

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