A $10,000 check shows up: a bonus, a small inheritance, a tax refund you didn't plan on. The instinct is to split it three ways and feel responsible. In a Dynamic Banking plan there's an order, and the order is what makes one dollar do two jobs instead of one.
First stop is the line of credit. If you're carrying a balance from the last chunk, the windfall goes there the day it clears, because the interest is figured daily and every day the balance is lower is a day you're paying less. Ten thousand dollars against a $14,000 balance takes the interest down immediately and, more to the point, restores $10,000 of room. Room is what keeps the plan safe when the furnace dies or a paycheck is late.
Now the money is sitting inside your line of credit as available credit, and that's where the second job happens. It hasn't been spent. It's cut your interest bill, and it's still there to chunk with. Once the balance is low enough that a new chunk leaves your safety margin intact, send the next chunk to the mortgage from the line of credit. The windfall lands on the mortgage principal after already saving you interest on the way through. Same dollar, two jobs.
Sending it straight to the mortgage skips the first job. The principal drops by $10,000 either way, but the version that went through the line of credit also lowered the interest for the weeks it sat there, and it kept the money reachable in case something broke before the chunk. The direct route only wins if the line of credit is already at zero.
If the plan includes a policy, there's a third door. A lump sum can go in as a paid-up additions payment as long as it stays under the MEC line for the year, which the carrier will tell you. That dollar grows and stays borrowable, but it's a slower dollar than the line of credit, and a line of credit balance comes first when there is one. The lump-sum rules are in funding a policy with a lump sum.
A bonus is taxed as wages, and the withholding on a bonus check is often a flat rate that doesn't match your real bracket, so know what's owed before you commit every dollar. I'm not a CPA, so confirm that with whoever does your return. And if the room in your line of credit is what serves as your emergency fund, keep enough of it open to cover the surprise this money would otherwise have handled.
The move on the day the check clears is one transfer: into the line of credit, whole. The chunk it funds comes a few weeks later, on the schedule you were already running.