Ally vs. Chase

neither... use schwab checking - they refund your atm fees at the end of every month when you withdraw from other banks.

for savings, I would recommend ally.

Does Ally give you free checks? Does Chase?

no free checks from chase.

But still a very useful place to hold cash if you churn CCs. Easier to get credit from them, and they have most of the great CC deals.

I have (or have recently had) almost every chase CC with a big spend bonus, lol

Im talking about initial spend bonuses. Like spend $3k in 3months to get 40k United miles (or something like that). Once I hit exactly $3k spending, I move to the next one.

Generally works out to probably 15%-20% cashback or miles (if you keep signing up for new cards every time you finish one)

Here's an example. http://thepointsguy.com/card-details/209853/

Get that card, then sign up for the business version of the same card as well. You can get the bonus twice.

These cards are effectively getting you like 30%+ cashback

Anybody can get approved for a credit card. The trick is getting approved for 10+ credit cards in the same year, when all of those cards generally require 700+ credit scores.

The cards that offer massive bonuses are generally targeted at those with pristine credit