What's safe, what isn't, and why — written from real churning experience.
Opening and closing business bank accounts safely
Open with the business's EIN and clean reporting in mind, meet the bonus terms, then wait until the safe-to-close date before closing so the bank can't claw the bonus back.
Safe-to-close timing: when a bonus is locked, and when it isn't
Don't close the moment the bonus posts. Wait until the offer's keep-open window has fully passed — the tracker's safe-to-close date — or the bank may claw the bonus back or charge an early-closure fee.