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Likewise, in order to be eligible for a bank account sign-up bonus that involves setting up direct deposit, make arrangements for your paycheck to be deposited into the new account. Making Use of the Bonus Strategically. Another important piece of advice is to use the bonus wisely after receiving it. For instance, to optimize the impact of a cash bonus on your overall financial situation, think about allocating it to your emergency savings account or paying off high-interest debt when you receive it from opening a new bank account. Enhancing the Redemption of Rewards.