Direct Deposit Planner
See which paychecks land inside a bank bonus's deposit window, and the smallest split that meets it.
Free · No sign-up · Runs in your browser, nothing you enter is sent anywhere
Usually account opening. Defaults to today.
Your paychecks
Checking bonuses that need a direct deposit
Checked against each bank’s or issuer’s own terms. Some Apply links may earn us a commission, which never changes which offers we show. Advertiser disclosure
Chase
- Requirement
- Maintain $15,000 for 90 days · +2 more
- Fee
- $15 monthly fee
- Expiration
- Apply by Jan 27, 2027
Chase
- Requirement
- $1,000 direct deposit within 90 days · +1 more
- Fee
- $15 monthly fee
- Expiration
- Apply by Jan 27, 2027
Guide: BMO Smart Advantage Checking Bonus: How the $600 Works, Month by Month
How it works
From your pay schedule it lists every payday inside the bonus window, adds up what you send to the new account, and checks the requirement: a total, a number of deposits, or an amount every month. It also finds the smallest per-paycheck amount that would work.
Example
Paid every two weeks, needing $1,000 of direct deposits within 60 days: four paydays usually fall in the window, so sending $250 from each paycheck is enough. Sending $300 meets it on the fourth payday with a little to spare.
Keep in mind
- It doesn’t decide what the bank counts as a direct deposit.
- Payroll changes can take a pay cycle or two to start; set them up early.
Questions
What counts as a direct deposit?
Usually an electronic payroll, pension or government benefit payment. Each bank decides, and some exclude transfers you send yourself. Check the offer's definition; this planner only handles the timing.
Can I split my paycheck?
Most payroll systems let you send a fixed amount to one account and the rest to another. The planner shows the smallest fixed amount per paycheck that still meets the bonus requirement.
What if my payday falls on a weekend?
Many employers pay on the Friday before. Choose that option to move weekend paydays; holidays can shift them too, so leave some room at the end of the window.
Does “per month” mean calendar month or statement cycle?
It depends on the bank. The planner uses calendar months; if your bank uses statement cycles, check the dates against your statements.