Meet Earny, Your Personal AI for Banking
Earny scans 120+ US banks for the best bonuses, deals and rates — then shows what you qualify for. Free, no signup.
Rates and bonuses as of 24 August 2026. Terms apply.
Why people chat with Earny
Best bonuses
Earny knows which sign-up bonuses are live right now, what each one requires, and which ones fit your situation. No expired offers, no fine print you have to hunt for.
Best rates
Live APYs across 120+ banks, refreshed as the market moves. You get today's numbers, not last week's comparison table.
Best deals for you
Fee waivers, rate boosts and limited promos matched to your balance and your goal — not a generic top-ten list.
A real conversation
This is how Earny talks — plain answers, real numbers, no forms.
From hello to smarter money — in three messages.
No forms. No app downloads. Just a conversation that turns into real account picks.
- 1≈ 30 seconds
Say hi
Tap once, share your number, start chatting. No app, no signup, no passwords.
- 2Conversational
Tell Earny your goal
How much you're holding, what you want it to do. Talk like you'd talk to a friend.
- 3Updated live
Get your matches
The bonuses, rates and deals you qualify for, ranked for your situation — and a message when something better shows up.
Questions about Earny
Earny tracks sign-up and switch bonuses across 120+ US banks and credit unions — checking bonuses, savings bonuses and direct-deposit offers. It checks the requirements against what you've told it, so you only see bonuses you can realistically hit. Bonus amounts and terms change often; Earny works from current offers.
Yes. APYs update in real time from the banks we track. Rates move, so the number Earny quotes is the number as of that moment — always confirm with the bank before you open an account.
PickYourBank earns a referral fee when you open an account through us, and that's what keeps Earny free. It doesn't change what Earny recommends — the ranking is based on your goal, not on who pays most. Not every bank on the market is listed here.
Earny is your personal banking AI from PickYourBank. You can chat with Earny right here on this page in your browser, or on WhatsApp, Telegram and SMS. Earny learns your goal through a short chat — earning more on savings, finding a better bank account, catching a bonus — then sends only the accounts and offers that actually fit you. No app to download, no forms, no signup.
Comparison sites show you every option and leave the decision to you. Earny asks what you're actually trying to do first — your goal, timeline, and situation — then filters down to only what's relevant for you. Earny also watches the market for you and messages you directly when something changes, like a rate drop or a new bonus. No comparison table does that.
Yes, Earny is completely free. No subscription, no premium tier, no hidden charges. PickYourBank is funded by referral fees from banks when you choose to open an account — so Earny's matches are based on what fits your goal, not who pays more.
Yes. You can chat with Earny right here in your browser, or on WhatsApp, Telegram, or plain SMS text message — whichever you prefer. For SMS, enter your number on the SMS tab and Earny will text you, or simply text START to +1 (385) 220-7796 from your phone. Msg & data rates may apply, and you can reply STOP anytime to opt out.
Earny never asks for your bank account number, password, Social Security number, or any sensitive credentials, and it never holds or moves your money. The only things you share are your goal, rough balance, and timeline — the same things you'd tell a friend who happens to know every bank account in the country. WhatsApp and Telegram both use end-to-end encryption to protect your messages in transit.
Earny is trained on 120+ US banks and savings products, including major national banks, online-only banks, credit unions, and high-yield savings providers. Rates are updated in real time, so you're always seeing what's current — not last week's numbers.
Yes. Every account Earny surfaces is at an FDIC-insured bank or NCUA-insured credit union, meaning your deposits are federally protected up to $250,000 per depositor, per institution. That's a baseline requirement, not an optional filter.
Three ways: type a question right here on this page (no signup), pick WhatsApp, Telegram, or SMS below and share your number, or text START to +1 (385) 220-7796 from your phone. No registration, no passwords — the whole thing takes under a minute.
Yes. Credit-building is one of the goals you can tell Earny about when you start. Earny can point you toward secured credit cards, credit-builder accounts, and steps that fit your current score — explained in plain English, not jargon.