The percentage returns get really crazy when you're willing to move your direct deposit. So I looked at what I thought was kind of the eight best offers, similar institutions, but also included SoFi, Chase, PNC, Bank of America. And the bonuses were similar, $200 to $900, but you only needed to deposit $1,000 to $15,000.

And so if you look, most of the time, the range was 90 to 120 days. The actual bonus APY was crazy. It was from 24 to 200%. And so the top bonus was Axios Bank, $500 for depositing $3,000 for just 30 days. So that's how you get to 200% return because you get $500 on $3,000, which is about 16% return in just 30 days.

So if you annualize that, multiply it by 12, it's just wild and way more APY than you'll get anywhere else. It did require that you have at least $1,500 of direct deposit.