Legal
Terms of Service
Effective October 19, 2026
What EarnWithBanks is
EarnWithBanks is a planning and tracking tool for bank account and credit card signup bonuses. We research offers published by banks, build a 12-month plan from the details you give us, and track requirements and deadlines until each bonus posts. We are an information tool, not a bank, broker, or financial advisor, and nothing on this site is financial, tax, or legal advice.
Bank offers belong to the banks
Every bonus listed here is offered by the named bank under the bank's own terms. Banks change, pause, and end offers without notice, and the bank alone decides whether you qualify and whether a bonus is paid. We verify each offer against the bank's own page and stamp the date we checked, but we cannot guarantee an offer is still available or that a bank will honor it. Always confirm the current terms on the bank's page before you apply or move money.
Your account
You need an account to build a plan and use the tracker. You are responsible for the accuracy of the information you enter (including your banking history and dates), for keeping your password to yourself, and for activity under your account. You must be at least 18 years old. Plans are estimates built from the information you provide; a plan is not a promise that any bonus will be earned.
No affiliation
EarnWithBanks is not affiliated with, endorsed by, or sponsored by any bank or card issuer named on this site. Bank and product names are trademarks of their owners and are used only to identify the offers being described.
Acceptable use
Use the site for your own personal or business planning. Don't scrape it at scale, attempt to disrupt it, misrepresent your identity, or use it for anyone else's accounts without their consent. We may suspend accounts that abuse the service.
Taxes
Bank bonuses are generally taxable income in the United States, and banks may issue you a Form 1099. Any tax figures shown in a plan are rough estimates for planning only. Your tax situation is your responsibility — consult a tax professional about your own circumstances.
Availability and liability
The service is provided “as is,” without warranties of any kind. We work to keep offer data current, but to the fullest extent permitted by law we are not liable for losses arising from reliance on site content — including a missed deadline, a changed or expired offer, or a bonus a bank declines to pay. Nothing in these terms limits liability that cannot be limited by law.
Changes and governing law
We may update these terms as the service evolves; the current version always lives on this page, and continued use after a change means you accept it. These terms are governed by the laws of the State of Texas, United States. Questions about these terms: see our contact page.