Where should $25,000 go for 90 days?
Right now the champion is Chase Chase Total Checking + Chase Savings : you keep about +$900 on $25,000 over 90 days. Ranked by math only, checked 2026-10-24.
| Rank | Fighter | You keep | How it adds up | What it takes | Status |
|---|---|---|---|---|---|
| ★★★ | Chase Chase Total Checking + Chase Savings | +$900 on $25,000 over 90 days | $900 bonus equals ~14.60% annualized | $15,000 in savings + direct deposit · Direct deposit · soft pull | Ends 2027-01-27 |
| ▲▲ | E*TRADE (Morgan Stanley Private Bank) Premium Savings Account | +$662 on $25,000 over 90 days | $400 bonus + $262 interest (4.25% APY) equals ~10.74% annualized | $20,000 new money | Ends 2027-01-10 |
| ▲ | U.S. Bank Bank Smartly Checking | +$438 on $25,000 over 90 days | $450 bonus − $12 est. fees equals ~7.11% annualized | $8,000 in direct deposits for $450 · Direct deposit · soft pull | Ends 2026-11-10 |
| #4 | SoFi SoFi Checking and Savings | +$400 on $25,000 over 90 days | $400 bonus equals ~6.49% annualized | $5,000 in direct deposits for $400 · Direct deposit · soft pull | Ends 2026-12-31 |
| #5 | PNC Virtual Wallet with Performance Select | +$400 on $25,000 over 90 days | $400 bonus equals ~6.49% annualized | $5,000 in direct deposits · Direct deposit · soft pull | Ends 2027-01-07 |
| #6 | Wells Fargo Everyday Checking | +$325 on $25,000 over 90 days | $325 bonus equals ~5.27% annualized | $1,000 in direct deposits · Direct deposit · soft pull | Ends 2027-01-13 |
| #7 | Citi Citibank Regular Checking | +$325 on $25,000 over 90 days | $325 bonus equals ~5.27% annualized | $3,000 in Enhanced Direct Deposits · Direct deposit | Ends in 2 days |
| #8 | Chase Chase Total Checking | +$300 on $25,000 over 90 days | $300 bonus equals ~4.87% annualized | Any direct deposit · Direct deposit · soft pull | Ends 2027-01-27 |
| #9 | E*TRADE (Morgan Stanley Private Bank) Premium Savings (intro 6 mo) | +$262 on $25,000 over 90 days | 4.25% APY → $262 interest | Park it, withdraw anytime | Rate |
| #10 | Live Oak Bank Personal High-Yield Savings | +$247 on $25,000 over 90 days | 4% APY → $247 interest | Park it, withdraw anytime | Rate |
| #11 | Barclays Tiered Savings (top tier) | +$225 on $25,000 over 90 days | 3.65% APY → $225 interest | Park it, withdraw anytime | Rate |
| #12 | Synchrony Bank High Yield Savings | +$219 on $25,000 over 90 days | 3.55% APY → $219 interest | Park it, withdraw anytime | Rate |
| #13 | Wealthfront Cash Account (base) | +$219 on $25,000 over 90 days | 3.55% APY → $219 interest | Park it, withdraw anytime | Rate |
| #14 | Marcus by Goldman Sachs Online Savings | +$216 on $25,000 over 90 days | 3.5% APY → $216 interest | Park it, withdraw anytime | Rate |
| #15 | Chase Chase Savings | +$200 on $25,000 over 90 days | $200 bonus equals ~3.24% annualized | $15,000 new money · soft pull | Ends 2027-01-27 |
Heat is based on real CashWars visitor clicks.
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