Find the gaps in one live bonus before an examiner does.
Send us the public terms of one published offer. We rebuild it in Ankasum and send back a report of gaps and wording that can be read two ways.
Free. No customer data. Or email the terms.
Open a new checking account between March 1 and May 31, 2027 and receive $2,000 or more in direct deposits within 90 days of opening to earn a $300 bonus.
Can be read two waysIs day 1 the opening day or the day after?
Missing limitNo early-end clause: no upper bound on cost.
Missing limitNo per-person limit.
Required disclosureDoesn't say when the $300 is credited.
What you send, what you get.
You send
The public terms of one published offer: the web page, disclosure or PDF your customers or members see.
You get
The offer's plain-English readback and a report of wording that can be read two ways, missing limits, missing bonus-advertising terms for your charter and the worst-case cost.
It needs
No customer or member data, no system access and no IT time. We sign your NDA first if you want one.
A sample report.
Built from the Spring checking bonus terms as they read before review. Illustrative, not a real institution's offer.
| Finding | What the terms say, and the fix |
|---|---|
| Can be read two ways | "Within 90 days of opening" doesn't say whether day 1 is the opening day. Fix: "Day 1 is the day after the account opens." |
| Missing limit | No early-end clause, though the $450,000 budget covers 1,500 enrollments at $300. Fix: "Enrollment closes after 1,500 enrollments, which may be before May 31." |
| Missing limit | No per-person limit: one person with two accounts could earn $600. Fix: "One bonus per customer or member." |
| Required disclosure | Bonus advertising rules (12 CFR 1030.8 for banks, 707.8 for credit unions) require a bonus ad to say when the bonus is credited. These terms don't. Fix: "The $300 is credited within 30 days of qualifying." |
| Worst-case cost | $450,000 (1,500 × $300) once enrollment stops at 1,500. Without the fixes, no upper bound. |
Send us one offer's terms.
A person reads every request, and a founder replies.
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