How this is built

Last updated 11 September 2026

BankWins compares what a bank relationship tier switches on and off for holdings between $50,000 and $1,000,000. It is published by The Freedom Stable, an independent publisher of single-purpose reference tools. It is not a bank, a broker, an adviser or an introducer, and nobody is paid to appear on it.

Every figure comes from the institution that set it

Thresholds, tier names, what each rung unlocks, which balances count toward it and how the balance is measured are read from the institution’s own page, pricing guide or account agreement — never from another comparison site, an aggregator or a press write-up. Each card carries the link that figure came from and the date it was read, so you can check it yourself in about a minute.

When something is not published, the card says so in those words rather than filling the space. “Not established” appears on every card on the site for a reason: a blank is survivable, a confident wrong number is not.

How often it is re-read

These programs change without announcement. Two of the nine here were restructured during 2026 — one renamed with a threshold removed, one closed to new customers. A scheduled job re-reads the oldest entries on rotation and prioritizes anything past 90 days, and the date on each card moves only when a person or process has actually re-read that source. A date is never advanced to look current.

If a source cannot be reached on a given run, nothing is changed and nothing is published from a search result or a summary. That rule cost this site a whole update cycle in September 2026, which is the correct trade.

What is deliberately left out

• Interest rates and rate discounts. Rates move daily and are quoted with conditions attached; publishing one here would be stale before you read it. Where a tier pays a better rate, the page says so and sends you to the institution’s own page, where the current figure and its conditions appear together.
• Sign-up offers. The amount an account is currently paying to open it is not a property of the tier ladder, and it is the thing every other comparison page is organized around.
• Bank logos. Institutions are named in text. Most of the ones covered here prohibit or restrict use of their marks, so the site uses its own monogram tiles instead.
• Rankings and “best bank” verdicts. The tool orders results against the answers you give it. There is no editorial winner, because there is no reader whose situation is everyone’s.

Regulatory footing

Regulation DD (12 CFR 1030) applies its advertising rules at § 1030.8 to “any person who advertises an account offered by a depository institution” — a publisher, not only a bank — and the official interpretation confirms websites get no exemption. The site therefore states fee amounts as numerals against named fees, never states an annual percentage yield or a specific offer amount, and does not promote overdraft services. Those rules are enforced by the site’s own automated test suite on every build, across every combination of answers the tool can produce, not by memory.

How it pays for itself

Display advertising, and in time referral arrangements with institutions, which would be disclosed on the page where they appear. No arrangement decides who is covered, where they are ordered, or what is said about them — the ordering is computed from your answers, and the tests fail if a card loses its source link or its date.

Tell us if something is wrong

What this is not

This is information about published account terms, not financial advice, and it covers US personal accounts only. Deposit insurance covers $250,000 per depositor, per insured bank, for each account ownership category; no relationship tier changes that. Check your own position with the FDIC’s estimator at edie.fdic.gov, and check the institution’s own page before moving money.