Welcome to 2026! Often times referral programs will end at the end of the year, and then will resume in the coming days. Please contact me if you want to verify the program is still active, and I will update my website as well.
BEST OF THE BEST LINKS
PSECU NATIONWIDE $300 Checking Offer (Promo code: 2026REFER) Nationwide $300 bonus if you join the Pennsylvania Recreation and Park Society (PRPS) for free, which is offered on the credit union application. Requirements: Within 100 days of establishing membership, you must sign up with promotional code 2026REFER, be approved for at least one savings and one checking account with debit card, sign up and log in to digital banking (online or mobile) and set up and receive 2 Qualifying Payroll Direct Deposit(s) each of $500 or more into either the new savings or checking accounts. Schwab & Fidelity brokerage ACH will work for a direct deposit. AS OF EARLY 2025, they soft pull Experian, and pull Chex, but not inquiry sensitive. THEY NO LONGER HARD PULL YOUR CREDIT FOR A DEPOSIT ACCOUNT. Unfortunately, as of 2026, they now added some anti-churning language stating you may not have collected a new member bonus in the past. Unknown how well that is enforced, since it's new.
INCREASED OFFER: Chase Disney Visa Credit Card Get a $200 or $400 bonus for $500 or $1,000 of spending in 3 months, depending on the card you choose. The statement credit bonus usually posts within days of meeting the spending requirement, even before your first month's statement is mailed if you spend the $500/$1,000 quickly.
INCREASED OFFER: Chase Freedom Flex or Chase Freedom Unlimited Get up to a $300 bonus for $500 of spending in 3 months. This is a no-annual-fee card. Also, 0% intro APR for 15 months from account opening on purchases and balance transfers.
A SIMPLE & SUPER HOT CRYPTO BONUS AT KRAKEN
Kraken has a $75 bonus that only requires one crypto purchase of $200+. That link is below.
"Hey! Join me on Kraken and you can unlock $75 with code fydc5rfk or through this link:" https://invite.kraken.com/JDNW/vuc15f8k
The Kraken offer is best when stacked with the targeted Capital One Shopping $250 offer, $150 Rakuten offer, or the $202 TopCashback portal offers.
Rakuten referral: Get a $50 bonus when you spend $50.
These portal offers have been changing VERY often, & sometimes daily. Bonuses from Kraken are paid in BTC, subject to volatility. Portal offers are paid in reward dollars.
My suggestions:
I'd start the Kraken application from a cash back portal such as Rakuten (currently $50), or TopCashback (currently $202).
When you start to fill the Kraken application out,
it will ask if you have an "invite code".
$75 invite code: fydc5rfk
The $75 code requires ONE $200 trade, so... One $200 purchase, and you can be done.
Unfortunately, stablecoin trades DO NOT qualify for the Kraken offers.
As to why the offers do not show when you click the direct links or show the wrong amount, I am not sure. But I can assure my readers the terms I have on my site and invite codes are valid. Please reach out if you have questions.
SUPER SIMPLE & SUPER HOT CRYPTO BONUS AT OKX
Make $350 in about 10 minutes time
by being referred to the OKX Crypto Exchange,
then buying & holding $5K of USDG crypto for 90 days.
My link: https://app.okx.com/en-us/join/94015081
🪙 OKX Promo — $100 Bonus + 5% APY
🪙 5% Match Promo — $250 Bonus + 5% APY
Bonuses:
💵 $100 signup with referral (buy $200 USDG)
💵 $250 5% Match (buy $5K USDG)
💵 Earning ~5% APY on USDG
💵 Up to $1,000 for referring others ($200 x 5)
Hold times:
30 days for $100 signup bonus
90 days for $250 match bonus
What is USDG?
It's OKX’s stable coin, pegged 1:1 to USD, earning ~5% APY — no market risk, only platform risk.
How to claim:
1️⃣ Sign up with referral: https://app.okx.com/en-us/join/94015081
2️⃣ Deposit $200 → buy USDG → bonus posts within minutes.
3️⃣Keep ~$200 USDG for 30 days to qualify.
Optionally, you can enroll in the 5% promo, buy $5K in USDG, and keep for 90 days to earn an additional $250 bonus.
💡 Find your own referral link: Home → 🎁 Giftbox → My Rewards → “Earn up to $1,000.”
My tips: Do everything in the OKX mobile app.
For funding, use a bank connected via Plaid (manual ACH with routing/account numbers won’t work).
Rakuten referral: Get a $50 bonus when you spend $50.
OnePay (FinTech, sponsored by Walmart) is currently offering $125 via Rakuten.
https://www.rakuten.com/shop/oneapp
A $50 referral stack appears to work. Use my referral link, multiple tab trick, explained below.
In your internet browser, open a OnePay referral link, then enter the phone number and email, and do nothing else with that tab, but leave it open. Then, in another tab on the same browser, log into Rakuten & click through the OnePay offer. Proceed with account opening on that tab. Use the same phone number and email and proceed with account opening.
Then, complete 3 minimum Direct Deposits of $500 within 90 days of sign up.
What you get:
$125 from Rakuten
$50 from the referral bonus into your OnePay account as points, redeemable as cash.
10% cash back from OnePay on your first Walmart purchase made within your first month, on up to $200 spent.
When you receive $500+ in Direct Deposits a month, or end the month with a total account balance of $5,000+, you get 3% cash back at Walmart from OnePay on up to $150 spent per month.
Christian Community Credit Union (CCCU) is offering a $200 checking/savings bonus with minimal requirements.
Don't forget to stack this with the $50 referral bonus (my referral link).
Requirements for the bonuses:
Harvest Checking: Register for digital banking and enroll in eStatements. That's it.
Harvest High-Yield Savings: Carry a $5K or more balance at Day 30 from account opening. Account earns 5% APY on balances up to $5K.
The $50 Visa® eGift card referral bonus has basically no requirements other than to keep the account open for 60 days.
This offer is NATIONWIDE by joining the Christian Alliance for Orphans (CAFO) as part of the credit union application. No fee was charged to join.
Where to start:
First, register for the $50 referral offer.
Then, open the accounts from the $200 promo page. Be sure to use promo code "Bee" when prompted after entering your employment info.
Do remember to add both the Harvest checking & Harvest High-Yield savings, as the application flow is awkward that you have to use the back arrow on the page to be able to add both to your "cart". IME, does require Driver's License & selfie upload via "GoFido", but the application was instantly approved. Note that CCCU is not NCUA insured, and instead is privately insured. $500 in CC funding available - Citi Double Cash worked as a purchase. Does pull Chex, but no hard pull. I did not attempt the CCCU credit card application, as I am sure that would be a hard pull and would impact Chase 5/24. Once you have online banking access, eStatements enrollment was not automatic, and you do have to apply for an eStatement account with it's own username and password. Offer expires 8/30/2025.
Note: The email that CCCU sends after opening the accounts, the fine print says: "To qualify for bonus AND higher APY: (1) You must register for e-statements and enroll in online banking within 60 days after opening; (2) Have an activated Christian Community Credit Union (CCCU) debit card AND (3) $500 in accumulated deposits during the month."
Credit unions, when they say month, typically mean calendar month. In the strictest interpretation of the Harvest Checking bonus terms, deposit $500 per calendar month into the checking account for the first 60 days. Make sure you have activated the debit card, and enrolled in online banking & estatements. For the Harvest High-Yield Savings bonus, have a balance of $5K by Day 30. I'd keep the $5K in the account until the bonus posts, which should be Day 60 from opening.
There is no mention of maintaining the deposit(s) or a balance on the checking or savings, but it just makes sense to keep the balance of the savings at $5K because the account earns 5% APY without any other hoops to jump through. I personally plan to keep $1 in the checking account other than when the $500 deposit(s) hit.
Interesting news for anyone who had been denied for CCCU. See below:
Update 03/04/2025: Initially when applying for this CCCU account, my P2 was instantly approved on 02/17/2025, and referred P1 the next day via ReferLive, but P1 was denied after going pending for a couple of days. I assumed because we applied from the same IP address, same device, different browser, it was possible it was a identity issue even though it was the account applications were spaced out by one day. However, when I called CCCU about the denial email I received, I was told it was due to ChexSystems and to wait for a letter in the mail. No letter arrived.
On 03/04/2025, I decided to apply again for the account and was INSTANTLY APPROVED.
This time I did the following things differently:
--> Used mobile phone to apply with Wi-Fi off. (Previously used laptop w/Wi-Fi)
--> Used my most frequently used email address I use for banks.
--> Turned off the slider for "WithClutch" for phone number verification, but did not skip mobile phone SMS identification. There was a link to skip mobile phone at the bottom of the page, but I chose NOT to click it.
I did not have to redo "OnFido" DL & selfie. Best part yet, no additional Chex inquiry was done for the retry. YMMV.
Chime $200+ offer & $100 stack & $100 referrals
Chime (FinTech) is offering a HUGE $200 bonus via Swagbucks (my referral link) . Once you have established your Swagbucks account, you are going to want to look for the Swagbucks $200 Chime offer and signup for the offer while logged into Swagbucks. Requirements for the bonus: Two qualifying payroll direct deposit of more than $200 each, the first of which must be received within 30 days of opening your Chime account.
If you prefer, other portals with the same Chime offer include:
My Favorite ➡️ InboxDollars at $360, TopCashBack at $300, Upromise at $360, & MyPoints at about $360.
DON'T FORGET TO DO A $100 REFERRAL STACK WITH CHIME!
With Chime, a portal offer stack with a Chime $100 referral offer is possible. To do this, you start by clicking on a Chime referral link but DO NOT fill out the info, and just leave the tab open. Then, in another tab on the same browser, log into the Swagbucks/MyPoints or whatever portal you choose, find the Chime offer link within the portal, and click-through and complete the Chime application from there. This stack has worked recently for my friends, but they do have exclusionary terms on the portals, so there is a small risk.
Note: The portal will only show a smaller $15 - $40 award in the activity log at first. A few days after you do the first qualifying DD, it will change to the correct bonus amount.
Super simple requirements & NATIONWIDE: Enroll in the offer via your friend’s personal link no later than December 31, 2026, and open a qualifying individual or joint Ally Bank Spending Account or Ally Bank Savings Account within 30 days of enrollment. Then complete the required steps dependent upon the eligible product you opened.
The simplest route to earn the bonus is the savings account option and start a qualifying monthly automated recurring transfer within 30 days of account opening. Complete at least 3 back-to-back monthly automated recurring transfers and your $100 welcome bonus will be deposited within 30 days of receiving your 3rd recurring transfer. Complete terms are here. Please note, you MUST NOT have a current Ally Bank deposit account (nor have had one since January 1, 2024).
Moomoo Referral Link $660 minimum bonus, plus 8.1% APY on your uninvested cash for 90 days. Open a Moomoo brokerage account to earn up to 30 free stocks, plus claim 8.1% APY on your uninvested cash. To earn your free stocks and the increased APY, you must:
– Deposit $100+ via ACH or wire transfer to get 5 free stocks. (or)
– Deposit $2,000+ via ACH or wire transfer to get 30 total free stocks (or)
– Deposit $5,000+ via ACH or wire transfer to get 60 total free stocks.
Free stocks will be worth $2-$2,000 each, so at a minimum, that will be worth $120 ($2 x 60), but very likely you will have a few higher stocks.
Once you have your MooMoo account, you can do the $600 ACAT bonus, for transferring $20,000 from one of several brokerages. (Robinhood, Webull, TD Ameritrade, ThinkorSwim, Interactive Brokers, Fidelity, E Trade, Cash App, Charles Schwab, Ally Invest, Firstrade, or Merrill Lynch) ACAT's are free to and from Interactive Brokers and Fidelity. Partial ACAT's are free out of Schwab.
After receiving your free stocks, you will need to maintain your average assets for 60 days to unlock the stocks ("Assets" include cash and securities positions). Complete promo terms can be found here. I recommend signing up via a mobile phone to install the Moomoo app and allow the referral to be tracked. One mobile device (or PC) & one phone number per Moomoo account, so be advised family members cannot share the same device or phone number. Once you have your own Moomoo account, you can refer up to five others worth $150 each, provided they follow through with the promotion requirements. Details here.
OnePay Cash is at $185 on InboxDollars.... Or, same bonus at Swagbucks, MyPoints, & Upromise. Just complete a minimum first Direct Deposit transfer of $500 within 45 days of signup. Usually has some really good cashback offers for new customers, like $15 of $15 at Walmart. Over time, those offers do seem to dry up though. Might be possible to stack with a $50 referral?
Novo Business Checking $40 Referral Bonus Feature set seems good, and very easy requirements for the bonus. Just open an account and fund with $100 within 30 days, and keep the balance at $100+ for 30 more days. Nationwide, no Chex/EWS or Hard pull, but no CC funding. Bonus stacks with Revenue Universe on Swagbucks/MyPoints, etc. by using my Referral Code of JeffreySchwartz1 during the signup process. Simple signup, but do expect to have to provide Novo with a 120-character minimum description of what your business does, who its customers are, and how it makes money as part of the application. Sole Proprietors using SSN as EIN, doing business as first & last name, are accepted. No document uploads were requested other than ID. May be quite useful for simulating Direct Deposit at other banks for bank bonuses, sending ACH transfers marked as "Payroll".
NEW INCREASED OFFER: SECU Maryland is offering a $350 bonus that is stackable with the $50 referral bonus. To get a referral, just send me an email (gadget@bankbonusgeek.com) with your first & last name and the email address you will use to open the account. The referral offer is a Nationwide offer by (optionally) joining the SECU MD Foundation. Pulls Chex, but not inquiry-sensitive. No hard pull or EWS pull. Offer valid 11/01/2024 – 12/31/2025. However, the $350 offer is only available to residents of MD, DC, DE, PA, VA, & WV (per terms, but YMMV. Please let me know if OOS worked for you.). Although not specified in the offer, I highly recommend doing a total of $500 per calendar month of direct deposits because current DP's are showing that the bonus will pay out quickly if doing so. Past offers had this requirement, and I believe it's possible the underlying coding for that requirement is still there.
Langley Federal Credit Union has a $50 referral program, however, has been restricted to VA & NC residents only. Use my referral link to register your information and get a code to enter on your new account application. To earn the $50 referral bonus, you can choose to:
A. open a new personal checking account at Langley with 10 debit card transactions within the first 60 days of having the account, OR
B. any loan with a balance, OR
C. at least $1,000 (aggregate total of savings accounts only) deposit balance
I was approved for the credit union membership and High Yield Savings account with ChexSystems frozen - Also, no hard pull of my credit was done. That High Yield Savings account features 4.25% APY for up to $10,000, with the only restriction being that you do no more than one withdrawal a month and enroll in estatements. If you exceed the withdrawal limit, the interest rate drops to just 0.05% APY for the month. Unfortunately, no CC funding; just debit or ACH.
INVESTING:
Frec $250 brokerage bonus - Invest $20K for 90 days to get $250.
Please reach out to me to get a referral link: gadget@bankbonusgeek.com
Because they are limiting the referrals to just 4, I am closely controlling who gets referred by me. I am strictly adhering to their rules by not posting my link publicly. The complete referral program terms are here.
Super simple application - no selfies or D/L uploads. No phone app required - just SMS & email verification codes.
No ChexSystems inquiry, no hard credit pull, highly unlikely for EWS.
As soon as you login after completing the application, you will see a pop-up stating:
“Your $250 is waiting 💰
As part of your referral sign up, you’ll earn $250 when you open a Direct Indexing account.”
You can also view your referral status in the Account settings > Reward status once you have your account setup/funded.
The S&P 500 Direct Index has the lowest annual fee at .10%, so a $20 fee on $20,000. This is similar to the fee SPY ETF charges.
The minimum funding amount is $20,000 and must be used to fund a direct indexing strategy. Optionally, 2 sectors from the S&P 500 Direct Index can be excluded, and 10 stocks can be added or excluded. If you are not familiar with the S&P 500 sectors, you can see the patchwork quilt here: https://novelinvestor.com/sector-performance/
All 14 of the indices available for the direct indexing strategy are listed on the Frec homepage. (Please do not sign-up from that page, as that is NOT a referral link.) Some of those index choices allow two sector exclusions, and all of them offer 10 individual stock customizations. Reasons someone may want to customize include personal preference, ideological, or social reasoning, or if you have other investments that are adequately covering that sector or individual stock.
I did Plaid bank account linking & used ACH to fund, which took 2 business days. They do offer incoming ACATS for free, but outgoing is $75. Domestic wire is free inbound, but outgoing is $25. The full fee schedule is provided via this PDF link.
For those wanting to fund the account via ACAT transfers of securities, I found this video released by Frec that shows how to transfer in stocks, and you can use that to fund your “direct index portfolio”. However, Index/EFT stocks are not going to be able to be pushed into the direct index portfolio and would have to remain as “self managed” at Frec. Self managed stock is not going to count for the promo. Only whole share “regular stocks” transferred in WILL count toward funding the direct index portfolio.
The Raisin savings bonus is an all time high of up to $275 by stacking available offers.
🔥🥵🔥New & Hot: Raisin — earn up to a $200 bonus when you use my referral code jeffreys051078.
What is Raisin, you say? Raisin is a NATIONWIDE savings platform that takes much of the administrative burden off the customer by making it easy to access numerous banks and credit unions, avoiding geographic restrictions and increased scrutiny (i.e. Chex-inquiry sensitivity) some of these financial institutions impose on new customer applications. Raisin's no-fee savings platform allows you to find top rates and spread your savings funds across an exclusive network of federally insured banks and credit unions, all through your single Raisin login. My application literally took 2 minutes to complete. No Chex, no hard credit inquiry, no EWS pull. What's not to love?
Bonus/Initial Deposit tiers:
$50 = $5K Deposit
$100 = $10K Deposit
$150 = $50K Deposit
$200 = $100K Deposit
To get your bonus, maintain the INITIAL deposit level for 90 days, and your bonus will post within 30 day of completion of requirements. Be sure to use my referral code jeffreys051078.
I did find some conflicting information on the referral program from within my Raisin login. It states "Once they (the referred person) fund their account and maintain an initial balance of $5,000 or more for 90 days after the first 30 day deposit period, you will earn a $100 bonus and your referee could earn a bonus of up to $200. Your referral will have 30 days after their initial deposit (the “Deposit Period”) to make additional deposits eligible for the Bonus."
That is contradictory to the main page of the promotion stating to fund with an INITIAL deposit and maintain it for 90 days. Therefore, I would highly recommend funding at the intended tier at opening, and not removing funds causing the minimum tier-level to dip until at least day 120 from the initial deposit (not the opening date). Interest rate offerings on Raisin are very competitive so this should not be a burden at all.
The Raisin stacks: There is a $50 bonus on Rakuten for Raisin that stacks with the referral bonus. (My Rakuten shopping entry went green checkmark pending same day, then the $50 posted to Rakuten a few days later after funding Raisin. My Big Fat Check was issued 07/11/24.) Details on the referral program can be found here. To do the stack, just use the Rakuten site to get to find "Raisin", follow the link, then select any savings account or CD of your choice from the Raisin site. Be sure to enter Referral Code jeffreys051078 during the quick sign-up process to be eligible for the savings bonus.
To summarize, the best gameplay to maximize your Raisin bonuses, is to:
👉 Use Rakuten (my link) to sign up for Raisin. $50 bonus
👉 During the Raisin signup, use my referral code jeffreys051078 on the signup page. Up to $200 bonus, depending on the amount deposited.
On Tap Credit Union is offering a $150 bonus to open a checking account via referral code and then maintain the account for 6 months. (Use referral code: JEFFREYSCH88) Newly added, now you must have a minimum direct deposit of $500 per month, ten (10) debit transactions within the first 90 days of account opening, and $5 par membership share. Checking account and direct deposit must be maintained for six (6) months after the date opened. Both the Free Checking and mandatory Share Savings accounts are fee-free. No Chex inquiry, no hard credit pull, and unlikely EWS. This is a NATIONWIDE offer by paying $5 to become a GoWest Friends of the Foundation member. (the rep will ask you to email in the receipt) $1,000 in CC funding available per application (not per account) - my Citi Double Cash posted it as a purchase.
Sadly, they recently added "Colorado only" on the bonus terms. It's unknown if it's enforced.
You will need to fill in the referral code on the application, as the application will ask on the last page how you heard of On Tap Credit Union (select Referral), and enter "JEFFREYSCH88" as the Referral Code. Then, in the "Do you have a promotional code?" block, you should enter the promo code "CHECKING150". Highly recommend taking a screenshot before hitting the "I Agree" button on that page. You can get another $1,000 in CC funding by adding a Peak Tiered Savings account at a later date.
You can read more about my On Tap experience here.
Chase Ink Business (Multiple Varieties) card Up to 100,000 UR points (worth $1,000+) bonus or up to $1,000 cash back when you spend $6,000 - $10,000 within the first 3 months. You can arrow over on the Chase site to see additional offers.
NEW!!! Capital One Spark Business Credit Cards A $500 cash bonus with $4,500 in spending within the first 90 days, or $500 in travel with $4,500 in spending with the travel card. My recommendation is to freeze Experian, and then Capital One will only pull Equifax & Transunion.
Quick Links
3/5/24: Applied online via a referral link.
3/7/24: Approved No Chex inquiry, no hard credit pull, and unlikely EWS. They soft-pulled Experian.
My advice: Keep an eye on your email inbox after you apply.
Even if you use an On Tap Credit Union direct referral link, you still need to enter the referral code (JEFFREYSCH88) on the last page of the application. Highly recommend taking a screenshot before hitting the "I Agree" button on that page. Note: You should only open the Free Checking and Share Savings so you can add another deposit account like the Peak Tiered Savings from online banking and double-dip the credit card funding at a later date. Since there is no Chex hit, there is no rush.
When filling out the application, for eligibility, select "None of the Above". Then you can select "I am willing to join the Consumers United Association at a $5 fee to join On Tap Credit Union." and select "Yes". (This is now known as the GoWest Foundation)
This is a NATIONWIDE offer by paying $5 to become a GoWest Friends of the Foundation member. (the rep will ask you to email in the receipt) The email from the rep I had received was not very clear about what needed to be done. This foundation membership might be useful for other credit unions down the road.
Both the Free Checking and mandatory Share Savings accounts are fee-free. $1,000 in CC funding available per application (not per account) - my Citi Double Cash shows it pending as a purchase. This was done shortly after I emailed my foundation receipt.
I received two DocuSign email links next... one for the application, and another to get my account number. To determine your member number just drop the 8-digit prefix (18000000), and 1-digit suffix to get a 5-digit member number. You need the member number to sign up for online banking.
OnPath FCU $150 ReferLive offer – Register your information via this link before opening an account.
OOS Eligibility: This is nationwide by making a $5 donation to the OnPath Foundation, an eligibility option on the 1st page of the application.
To earn the $100 Visa® Reward Card, the new customer must register via a ReferLive link (see above), open a new OnPath FCU personal or business checking account, and complete the following within 60 days of account opening:
Make fifteen (15) or more debit card transactions (excluding ATM transactions) at a minimum of $10 each, AND
Have one (1) or more direct deposits totaling at least $250
Perks: This credit union also offers two rewards checking accounts: a 6% APY High Yield Checking account for balances up to $10K, and a 5% Cash Back Checking account for up to $200 spending ($10 free money) per month. There are monthly requirements to earn that higher interest rate or cashback: Log into online or mobile banking at least once, be enrolled in and receive e-statements, and have at least 15 debit card purchases post and settle.
In my experience, the credit unions that offer these types of accounts accept Cash App loads and Amazon reloads as debit spending, and any number of bank/brokerage ACH transactions into the checking account as a Direct Deposit. However, DP’s are not currently available for Direct Deposit, but Cash App loads work as a debit.
When registering for the referral & applying for this credit union, it’s advisable to use an email address that you have not used with a prior ReferLive bank/credit union. This is to ensure you can create a ReferLive login for their portal to track your referrals. If you do not care about that ability, you can ignore this suggestion. If you are unsure if you used the email in the past, you can go to ReferLive.com and select "Forgot Password?" and submit your email address. If you haven't used the email address before, the error will state "Email address is invalid. Please reenter."
OnPath FCU did pull ChexSystems, no hard credit pull, & soft-pulls Experian. Unlikely for EWS. Not Chex-inquiry sensitive. There is $1,000 in CC funding available. The application lists a maximum of $2,500 credit card funding, but in practice only accepts up to $1,000. Once the credit union calls you to complete the application, you can request $1,000. Citi Double Cash MC CC posts as purchase. The rewards checking accounts do not have a monthly fee, and no ETF is listed on the fee schedule.
One downside, it is a small credit union and might take a couple of days to process applications – YMMV, but I had next-day approval when I uploaded the expected documents to their application portal immediately after submitting my application. The required documents are: the DL/ID, SS Card, and a selfie holding your valid DL/ID. Do expect to receive a non-invasive phone call from OnPath to complete the online application explaining that you must pay $5 to join the credit union if OOS, and to discuss the funding. Don't forget to ask to have it changed to a larger amount.
My personal experience is that the OnPath debit cards only took 7-8 days to arrive. The PIN is set over the phone. No hold was placed on the CC funding, even from day one of account access. I used my debit card online for USAA insurance payments, Verizon Fios payments, and Amazon 50-cent reloads, and all posted to online banking as "DEBIT CARD DEBIT" with the name of the biller and an authorization number.
On my first full monthly statement, the interest was not automatically credited. I did have to contact them and they manually credited the interest. They confirmed they had a glitch with their estatements not showing as registered, and stated it will not be an issue (for me) going forward. I would recommend calling to get ahead of this issue.
Once you are an existing customer of OnPath FCU, you can register to get your own referral link to give to others here: https://www.referlive.com/beonpath
So, the proper order of events:
Open SwagBucks (~$40) or MyPoints (~$50), log in, and search for "OnPath". (unfortunately, they are no longer listed on any portals)
Open your account. Be sure to select the OnPath FCU Rewards High Yield checking account, and NOT the OnPath FCU Rewards Cash Back checking. The Primary Share Account (Savings) account will be mandatory. Fund with at least $25.
Don't forget that the ReferLive offer still requires a $250+ DD and fifteen (15) or more of $10+ debit card transactions.
$400 M&T Bonus! M&T Bank ReferLive $50 - This stacks with their $350 personal checking account bonus. Be sure to register your information with my ReferLive link BEFORE opening your M&T account. M&T Bank does pull Chex, but is not inquiry sensitive. M&T Bank is only available in select states and zip codes, but the website will ask right away for your zip code so there is no guessing if you are eligible to open an account and earn the bonus.
Wings Credit Union has a $300 checking offer that stacks with the $100 referral below. Start by registering for the referral, and then apply for the Wings account using that same information.
Wings Credit Union ReferLive $100 Referral Promo (Nationwide if you join the Wings Foundation for $5 on your application) Use my link to register to get $100 to open a checking account, set up eDocuments, and do either 5 debit card transactions of $5 or more each OR a Direct Deposit of $300+ in 60 days. The $100 offer stacks with their checking promotions, if/when available; just be sure to sign up for the referral BEFORE opening the checking account.
Municipal Credit Union (MCU) $350 checking offer is stackable with the $25 referral. Pulls Chex, but not inquiry-sensitive, & no hard pull. Although it's intended to be NY only, they do not verify your eligibility to join MCU, making it NATIONWIDE.
Step 1: Register your info using my referral link.
Step 2: Open your Everyday Hero Checking account from the promo page using the same info you used to register for the referral bonus. https://www.nymcu.org/checkingbonus
Step 3: Fund the account within 15 days with "New to MCU Money", and maintain the required balance until at least day 75 from opening.
Minimum Daily Balance & One-Time Bonus Amount
$1,500 = $150.00
$2,500 = $250.00
$5,000 = $350.00
NEW INCREASED OFFER: SECU Maryland is offering a $350 bonus that is stackable with the $50 referral bonus. To get a referral, just send me an email (gadget@bankbonusgeek.com) with your first & last name and the email address you will use to open the account. The referral offer is a Nationwide offer by (optionally) joining the SECU MD Foundation. Pulls Chex, but not inquiry-sensitive. No hard pull or EWS pull. Offer valid 11/01/2024 – 12/31/2025. However, the $350 offer is only available to residents of MD, DC, DE, PA, VA, & WV (per terms).
$50 Regions Bank Referral + $300 Checking Bonus This $50 referral bonus stacks with their checking bonus promotions when available, such as the current $300 offer here. To stack the referral and checking account bonuses, do the following:
– To get a referral, please send me an email (gadget@bankbonusgeek.com) with your first & last name, and the email address you will use to open the account.
– Register for your new Regions checking account from the $300 bonus promotion link online using the same contact information you provided for the referral and open the checking account with $50 (minimum opening deposit). Alternatively, after you register, you can open in a branch as the promo will be registered to your email address.
– Once you have the new checking account, enroll in estatements, do the required number (10) of debits, receive a Direct Deposit (dollar amount depends on the checking acct promo), and then wait 60 days to receive your $50 bonus into your checking account. YOU MUST have a POSITIVE BALANCE to earn the referral bonus.
If you have had a Regions account in the past or EVER registered for a Regions referral and didn't end up using it, be sure to use a new or previously unused email address on the referral form as well as on the new checking account. The email addresses must match. Footprint states are AL, AR, FL, GA, IL, IN, IA, KY, LA, MS, MO, NC, SC, TN, & TX, but they also approve out-of-state applications in branch. No Chex or Hard Pull, but does pull EWS.
Sweet $300 NATIONWIDE Bonus!!! KeyPoint Credit Union is offering a $300 bonus to open a "Free Checking" account with $25+, and within 60 days, establish a minimum $1,000 recurring monthly direct deposit and maintain the DD for 6 months. (Offer details here.) As part of the account application, you can join the Financial Fitness Association (for free) to enable opening the credit union membership from out-of-state (OOS). $500 in credit card funding is available, too! To get a referral, just send me an email (gadget@bankbonusgeek.com) with your first & last name and the email address you will use to open the account. Be sure to use the "RAF25" promotion code mentioned in the referral email I will send to you. No hard pull of your credit, but does pull ChexSystems, and soft pulls Experian.
PSECU NATIONWIDE $300 Checking Offer (Promo code: 2026REFER) Nationwide $300 bonus if you join the Pennsylvania Recreation and Park Society (PRPS) for free, which is offered on the credit union application. Requirements: Within 100 days of establishing membership, you must sign up with promotional code 2026REFER, be approved for at least one savings and one checking account with debit card, sign up and log in to digital banking (online or mobile) and set up and receive 2 Qualifying Payroll Direct Deposit(s) each of $500 or more into either the new savings or checking accounts. Schwab & Fidelity brokerage ACH will work for a direct deposit. AS OF EARLY 2025, they soft pull Experian, and pull Chex, but not inquiry sensitive. THEY NO LONGER HARD PULL YOUR CREDIT FOR A DEPOSIT ACCOUNT. Unfortunately, as of 2026, they now added some anti-churning language stating you may not have collected a new member bonus in the past. Unknown how well that is enforced, since it's new.
ENT Credit Union has a $50 referral offer that should be stackable with their $200 checking bonus by using promo code CH200B.
Requirements to earn your $50 gift card:
1. Register your email address by using a current member's referral link.
2. Become a member & open a qualifying No Strings Checking® account.
3. Deposit a minimum of $100 into your new account.
4. Activate your debit card.
You will receive a $50 e-gift card (your choice of Visa or Amazon) by email within 5 business days once your eligibility is confirmed. Their $200 checking bonus offer has no additional requirements. This credit union did approve out of state applications in the past, but likely restricted to CO only (Colorado) now. This credit union is merging with Wings Credit Union and will no longer be known as ENT CU sometime in early 2026.
Blue Federal Credit Union $250 bonus [EXPIRED] and normally stacks that with a $100 referral. Unfortunately not nationwide - per the website, anyone in Wyoming or Colorado can join. Pulls Chex & no hard pull. Be sure to register for your $100 referral before opening the Checking/Savings, and then complete the simple requirements. To get your $250 bonus, open an Elite or Premium NOVA Perks™ checking account and Vista Savings Account and enroll in eStatements. Within 90 days, set up your $500+ Direct Deposit. Once completed, they will deposit $250 into your Vista Savings Account. Those activities fulfill the $100 referral bonus as well.
Tower Federal Credit Union is offering a $150 referral bonus when you open a new Tower checking account and complete one (1) or more qualifying direct deposits of $1,000 or more into the new checking account within 60 days of account opening. Please use my referral link to register your information before opening the account, and using matching information on the application. Eligibility is primarily MD, but nationwide with a $35 donation to the TowerCares Foundation. (They may or may not ask for proof.) Unfortunately, the referral offer IS NOT stackable with other checking bonuses. Fine print on the offer does state: "The offer is only available to Maryland residents and residents of surrounding states (DC, DE, PA, VA, WV), as well as Department of Defense (DoD) personnel and their family." I am not sure if that is enforced.
Affinity FCU Cash Back Debit $100 Bonus Super simple requirements - Pulls Chex, but no EWS, and no hard pull. This $100 bonus only requires a single $100+ Direct Deposit within 60 days. $1,000 in credit card funding is available for new accounts (unfortunately, CC funding might be gone). Depending on where you live, you may need to pay a $5 fee to join the credit union, but you will find the joining requirements seamlessly as part of the application. The Affinity Cash Back Debit spending account earns 1% cash back on debit purchases, up to $10 per month with $1,000 in debit spending. Online debit card loading like Cash App does work to trigger the monthly cashback bonus. They also have a 4% APY SmartStart Savings account (up to $5,000 at that rate, and 1% thereafter). None of these accounts have a monthly fee. Alternatively, to get a referral, you can send me an email (gadget@bankbonusgeek.com) with your first & last name, and the email address you will use to open the account.
Delta Community Credit Union Use my link to register for a referral bonus. Get $100 for opening a checking account, depositing $50, and doing 10 debits within 60 days. No Direct Deposit is required. No Hard Pull, pulls EWS, not Chex. A few people have been able to meet eligibility requirements online out-of-state by donating to various charities such as Creflo Dollar Ministerial Association (CDMA), however, it will be very YMMV.
Desert Financial Credit Union $100 Checking Offer: You get $100 to open a free checking account, do a direct deposit, and perform at least 30 posted transactions within 90 days. Pulls Chex. Per the account application fine print, they also soft-pull Experian and TransUnion. $600 in CC funding is available per account. To get your very own special referral link with the complete terms for your records, email me at gadget@bankbonusgeek.com and please provide the email address you will use to open the account.
1st Advantage FCU is offering a $50 referral bonus. Contact me (gadget@bankbonusgeek.com) with your first & last name, and the email address you will use to open the account if you would like a referral. To earn the referral bonus, you need to:
Have a friend register you for the program, and then you will receive an email notification. Within 90 days after receiving the email or text offer through the official means of the program, keep the new account open and in good standing for at least 60 days, AND fulfill the following requirements within 60 days after account opening:
👉 Make at least 10 debit card purchases that post to the new account, AND
👉 Enroll in eStatements, AND
👉 Have at least (1) one direct deposit (such as a reoccurring payroll or government benefit deposit) of $200 or more into your 1st Advantage Checking Account
The membership eligibility criteria for 1st Advantage FCU is rooted in select counties in VA & NC, however, there is an option to choose that “I qualify for membership because I am joining VersAbility Resources” which could allow for nearby out-of-state (OOS) applicants, and maybe nationwide. In my experience, submitting the account application does result in a hard credit pull of Equifax, and a ChexSystems inquiry as well. Not Chex-inquiry sensitive, as I was next-day approved with the following inquiries/months: 0/1, 2/2, 3/3, 10/6, 17/12, 34/24, 50/36. The account application stated CC funding was limited to $1,000, but the phone rep I spoke to allowed it to be increased to $2,000, plus the $5 Share deposit. (Maybe I should/could have asked for higher?) The two charges posted as purchases on my Citi Double Cash. It is unnecessary to mention the referral bonus, as you would be registered in advance in the 3rd party system.
First Florida Credit Union $50 ReferLive Visa Reward Card Simple requirements: Establish a recurring direct deposit of $250 or more, into a new First Florida checking account OR open a new loan, within 90 days. My personal experience: 9/24/24 = Opened OOS with Chex frozen. No hard credit pull. Instant approval & instant access to online banking & able to enroll in e-Statements. Maximum of $500 in credit card funding available. Chase Ink $500 posted as a purchase. My advice: FREEZE YOUR CHEXSYSTEMS before applying. They will pull Chex otherwise, which can be a detriment for future bank account openings. Bonus payout: Checking bonus pays out at 91-100 days after opening, and the Visa Reward Card takes 4-6 weeks after completion of all requirements.
Langley Federal Credit Union has a $50 referral program, but for VA/NC only. Use my link to register your information and get a code to enter on your new account application. To earn the $50 bonus, you can choose to:
A. open a new personal checking account at Langley with 10 debit card transactions within the first 60 days of having the account, OR
B. any loan with a balance, OR
C. at least $1,000 (aggregate total of savings accounts only) deposit balance
I was approved for the credit union membership and High Yield Savings account with ChexSystems frozen - Also, no hard pull of my credit was done. That High Yield Savings account features 4.25% APY for up to $10,000, with the only restriction being that you do no more than one withdrawal a month and enroll in estatements. If you exceed the withdrawal limit, the interest rate drops to just 0.05% APY for the month. Unfortunately, no CC funding; just debit or ACH.
GTE Financial Credit Union is offering a $25 referral bonus for opening a new membership, funding a checking account within 30 days, and enrolling in eStatements. The bad news: they do Hard Pull Equifax. To get a referral, email me at gadget@bankbonusgeek.com and please provide your first name and the email address you will use to open the account. Complete terms are here.
Because DCU is getting ready to merge with First Tech Federal Credit Union, this might be a final opportunity to get a DCU bonus. DCU (Digital Credit Union) referral program is offering $20 for opening a checking account and performing one of the following: Do a recurring Direct Deposit of at least $500/month, OR, complete five ACH transfers, Point of Sale (POS) transactions, bill pay payments, or Pay a Person transactions within the same calendar month. This is Nationwide if you join the Reach Out for Schools non-profit for $10, which is an option on the application. No Hard Pull of your credit, but they do Soft Pull Equifax and pull Chex. As part of the application, you will also open a Primary Savings account where you’ll earn a 5.5% APY on balances up to the first $1,000, and 0.25% APY beyond the $1K cap. As opposed to waiting on the debit card or Direct Deposit, you can trigger the bonus with 5 small ACH transfers and the bonus will pay out within days. Details here.
BCU (Baxter Credit Union) $25 referral bonus Open an account and get $25. Also, they are running a promo where you can get 8% APY interest on your checking account balance on up to $15K for the first three months. Details are located here on the referral program. No Chex pull, and no hard credit pull. No CC funding.
Chime $100 referral link Open an account, Direct Deposit $200+, and earn a $100 bonus. In the past, almost any bank-to-bank external transfer worked as a Direct Deposit with Chime. Just set up the transfer via your other bank's online banking and push the money into the Chime account. Nationwide, there is no Chex/EWS or Hard pull, but no CC funding.
Plus, with Chime, a portal offer stack with a Chime $100 referral link is possible. To do this, you start by clicking on a Chime referral link but do not fill out the info, and just leave the tab open. Then in another tab on the same browser, log into the Swagbucks/MyPoints or whatever portal you choose, find the Chime offer link within the portal, and click-through and complete the application from there. Of course, then you need to do the necessary promotion requirements.
Current $100 referral link Open an account and Direct Deposit $200+ within 45 days to earn $100. Nationwide, no Chex/EWS or Hard pull, no CC funding. The highlight of this account is the three savings pods (accounts) allowing up to $2,000 in each at 4% APY. Nationwide, no Chex/EWS or Hard pull, but no CC funding. My Referral Code: JEFFREYS997 The $100 referral bonus is stackable with other portal offers like Swagbucks and MyPoints as you can click through the portal link to open the Current account, then manually enter a referral code (JEFFREYS997) in the app.
GO2Bank $50 referral link Open a GO2Bank account and Direct Deposit $200+ within 45 days to earn $50. Nationwide, no Chex/EWS or Hard pull, but no CC funding. Plus, there are the possible $100 portal stacks (i.e. Swagbucks/MyPoints) that can be done. To do the stack:
Open a referral link and then click "Open an account". Enter your email address, then submit it by clicking "Get started", and once you have moved to the next page, do not continue. Leave it open.
In another tab on the same browser, open the portal link of your choice to do the offer. Complete the sign-up and account opening process using the same email address as before.
OnePay Cash You earn $50 cash back when you join using this link and unlock Cash+ within 45 days of joining.. Nationwide, no Chex/EWS or Hard pull, no CC funding. Super simple application. Beyond the $50, occasionally offers cash back for purchases at Walmart. Regularly offers 5-10% cashback at many other retailers too, but usually small caps of $5 at each store.
Grasshopper Bank (terms here) has a $200 Small Business Checking bonus with super simple requirements. Just have a $2k+ on day 90 from opening. No Chex, and no credit pull. Terms were recently updated, and unfortunately Sole Proprietors are no longer eligible for the referral bonus. Use my Referral Code be7e0c82ecf5 when opening the account.
M&T Bank ReferLive Business $150 - This stacks with their $500 business checking account bonus. Be sure to register your information with my ReferLive link BEFORE opening your M&T account.
Novo Business Checking $40 Referral Bonus Feature set seems good, and very easy requirements for the bonus. Just open an account and fund with $100 within 30 days, and keep the balance at $100+ for 30 more days. Nationwide, no Chex/EWS or Hard pull, but no CC funding. Bonus stacks with Revenue Universe on Swagbucks/MyPoints, etc. by using my Referral Code of JeffreySchwartz1 during the signup process. Simple signup, but do expect to have to provide Novo with a 120-character minimum description of what your business does, who its customers are, and how it makes money as part of the application. Sole Proprietors using SSN as EIN, doing business as first & last name, are accepted. No document uploads were requested other than ID. May be quite useful for simulating Direct Deposit at other banks for bank bonuses, sending ACH transfers marked as "Payroll".
NEW!!! Discover it® Cash Back $100 Sign-up Bonus Earn a $100 Statement Credit when you make your first purchase within 3 months. Cashback is doubled at the end of the year of card ownership. That makes the 5% quarterly rotating categories equivalent to 10% cash back, subject to the standard quarterly limits of $1,500 in spending, of course. This is a no-annual-fee card.
The below American Express offers change frequently. Also, the offers may change if you right-click on the link and use incognito/private mode.
American Express Card Referral Any Amex card. Alternate Amex Referral link.
Bank of America Customized Cash Rewards $200 bonus for $1,000 of spending in 90 days. This is a no-annual-fee card. The Online Shopping rewards category is very often triggered by bank account funding, making it a $75 quarterly bonus (5% cashback on $2,500).
Improved offer: Capital One Quicksilver, Savor, or Venture Earn a $200 bonus for $500 of spending in 3 months, $100 travel credit, and a $50 statement credit just for being referred. This is a no-annual-fee card. My recommendation is to freeze Experian, and then Capital One will only pull Equifax & Transunion.
Capital One Spark Business Credit Cards A sweet $750 cash bonus with $6,000 in spending within the first 90 days, or $500 in travel with $4,500 in spending with the travel card. My recommendation is to freeze Experian, and then Capital One will only pull Equifax & Transunion. Bank account funding at Travis Credit Union & BluPeak Credit Union counted as a purchase for the sign-up bonus.
Chase Disney $200 or $400 bonus for $500 or $1,000 of spending in 3 months, depending on the card you choose. The statement credit bonus usually posts within days of meeting the spending requirement, even before your first month's statement is mailed if you spend the $500/$1,000 quickly.
Chase Freedom Flex or Chase Freedom Unlimited Up to a $300 bonus for $500 of spending in 3 months. This is a no-annual-fee card. Also, 0% intro APR for 15 months from account opening on purchases and balance transfers.
Chase IHG Earn 4 Free Nights with $3K of spending within the first three months on the IHG One Rewards Premier credit card, or earn 80,000 bonus points with $2K of spending on the IHG One Rewards Traveler credit card, or earn 140,000 bonus points with $4K of spending on the IHG One Rewards Premier Business Credit Card.
Chase Ink Business (Multiple Varieties) card Up to 100,000 UR points (worth $1,000+) bonus or up to $1,000 cash back when you spend $6,000 - $10,000 within the first 3 months. You can arrow over on the Chase site to see additional offers. Verify the terms of the specific offer you choose. (IMO, the best offer is the Chase Ink Business Unlimited, earning 75K UR points with $6K in spending.) Once you have a Chase Ink account, you can also receive 20,000 UR points for each successful referral, up to 200,000 UR points per calendar year. Note: All Chase personal cards are subject to 5/24 rules. Business card applicants MAY be able to be approved beyond 5/24, but it will be YMMV.
SoFi Loans: Get $300 for refinancing your student loan, or $300 for opening a new personal loan. SoFi recently added additional loan offers; a $1,000 bonus for Student Loan Refinancing for doctors and dentists/med school students, and $100 for Private Student Loans. You can pre-qualify without getting a hard credit inquiry, however, if you proceed with the loan application, it will be a hard inquiry on your Experian credit report. Contact me to get a personal link: gadget@bankbonusgeek.com
Interactive Brokers Use my referral link to get up to $1,000 of IBKR stock for FREE when opening an account. You will receive $1 worth of Class A common stock of Interactive Brokers Group, Inc. for each $300 in net deposits during the first year following the date of the first deposit. The average balance must be maintained for at least 1 year for the IBKR shares to vest and be accessible. No hard pull and an easy sign-up process and I had next-day account approval. I've been using them for years now and they aren't fee-filled like some other brokerages. For example, ACAT in or out, full or partial, are free.
Moomoo Referral Link Open a Moomoo brokerage account to earn up to 30 free stocks, plus claim 8.1% APY on your uninvested cash (for 90 days). To earn your free stocks and the increased APY, you must:
– Deposit $100+ via ACH or wire transfer to get 5 free stocks. (or)
– Deposit $2,000+ via ACH or wire transfer to get 30 total free stocks.
Free stocks will be worth $2-$2,000 each, so at a minimum, that will be worth $60 ($2 x 30), but very likely you will have a few higher stocks.
Once you have your MooMoo account, you can do the $600 ACAT bonus, for transferring $20,000 from one of several brokerages. (Robinhood, Webull, TD Ameritrade (including ThinkorSwim), Interactive Brokers, Fidelity, E Trade, Cash App, Charles Schwab, Ally Invest, Firstrade, or Merrill Lynch) ACAT's are free to and from Interactive Brokers and Fidelity.
After receiving your free stocks, you will need to maintain your average assets for 60 days to unlock the stocks ("Assets" include cash and securities positions). Complete promo terms can be found here. I recommend signing up via a mobile phone to install the Moomoo app and allow the referral to be tracked. One mobile device (or PC) & one phone number per Moomoo account, so be advised family members cannot share the same device or phone number. Once you have your own Moomoo account, you can refer up to five others worth $150 each, provided they follow through with the promotion requirements. Details here.
WEBULL LIMITED TIME INCREASED OFFER: Get up to 75 FREE Fractional Shares valued up to $60,000 by opening & funding a Webull brokerage account! I recommend opening this link for a mobile device browser to see the most current terms and information.
GROUNDFLOOR Real Estate Investing - Earn $50 for opening an account, linking your bank, funding the account with $100, and then invest at least $100 in closed, fully funded Groundfloor LROs or Groundfloor Notes. The $50 in earned rewards must be invested as well before being eligible for withdrawal.
Robinhood Get one share of stock when your brokerage application is approved. Free stock is valued from $5 to $200.
TradeUP Open a new live trading account and earn one stock worth at least $10. Fund your account with a qualifying initial deposit of $1000 or more and receive a free stock worth at least $50. Caution: You only get one opportunity to do an initial funding - do not break it up into smaller deposits.
Concreit Real Estate Investing - Open an account, invest $1, and earn $10 in "Reward Fee Waiver", not cash.
Schwab Brokerage You can use my link to get $100 or more... and I get the joy of helping someone. Schwab no longer does a hard credit inquiry for a new account. Use code: REFER6ZJXD (this code will auto-populate on your application)
Wise You get a free transfer of up to $600 by using my link (fee waiver must be used on the first transfer). Formerly known as TransferWise, this account is useful for simulating Direct Deposits. If you set up a USD account within Wise, you can transfer money into Wise for free using another bank, by using your Wise ACH routing number and account number. Then, the transfer out of Wise only costs $1.13. If you don't set up the USD account, the transfer is significantly more expensive, but less hassle. No EWS, no Chex, no hard pull. Also, even if you have created a Wise account without using a referral link, within 30 days of opening, you can still add my referral link to https://wise.com/invite/use-invite-link to claim the rewards! Then, paste in this link: https://wise.com/invite/dic/michelleb2069
Cash App $15 bonus Great P2P payment app with a debit card and spending bonuses. Sign up with my link to earn a $15 bonus for sending $5+ after linking a debit card. Transferring funds back to your bank may work to trigger bank bonuses that require Direct Deposit, and loading your account with your debit card can count as debit spending. Another use is for P1 - P2 money transfer situations without having a joint account. If you don't have someone you can send money to, send me $5 and I will send it back. User: $JeffJS (If you do not do a $5 send transaction within 14 days, they revoke the referral bonus.)
Also, for existing Cash App users, if you did not use a referral code when you signed up for Cash App, you can add it after the fact. Once you click on the profile icon 👤 in the upper right corner, scroll down, and just above Sign Out it will have a link to enter a Referral Code. My code is: 7Z7L9NW
PayPal $10 Bonus Worth $10 for each of us. New PayPal customers only. Join and spend $5 using PayPal and we both earn $10.
Join Venmo and earn $5 for signing up after you send $5 from a linked payment method within 14 days. Reach out to gadget@bankbonusgeek.com to get the Venmo referral link .
Similar to Mint.com, Empower (formerly known as Personal Capital) is a money management tool that focuses on investment advice. Sign up, link an investment account that has a minimum balance of $1,000, and earn a $20 Amazon Gift Card. After signing up, they occasionally offer a targeted bonus of $100 or $200 via postal mail or pop-up ads in your online login. To earn that cash bonus you have to sit through a short introduction where they screen you to see if you are a viable candidate, and then an hour-long phone-con & PowerPoint presentation sales pitch at a later date & time of your choice. If you want to get targeted for that promo, I recommend linking at least $250K of investments and/or liquid funds, as that is the minimum amount they want to take control of to earn "x number of free months" of investment management.
Netspend Prepaid: Netspend Earn a $20 bonus after loading at least $40. Then you can open the savings account and earn 5% APY on the savings balance, capped at $1,000. You can have up to at least 5 different Netspend cards without issue, useful for the 5% APY savings accounts, but you will likely only collect one $20 bonus. Other Netspend Variants: Western Union, & ACE Elite have the same deal as well.
InboxDollars Get $5 for using my link. Yet another cashback site ran by Protégé. Seems to focus more on grocery offers & surveys, but it is another tool to churn offers.
Swagbucks Besides the cashback portal, frequently offers money-making opportunities, usually when subscribing to services.
MyPoints Almost identical to Swagbucks, and owned by the same company, but occasionally has a better offer or different selection than Swagbucks.
Upromise Use my link and link your 529 savings account for a $30 bonus. Also has many of the same offers as Swagbucks, MyPoints, and Inbox Dollars. Although the theme is supposed to be for college savings, it is very easy to cash out offers to a standard (non-529) bank account.
RebatesMe Get a $30 bonus with your first $10 of earnings.
Rakuten (Ebates) Get a $50 bonus when you spend $50.
BeFrugal Get a $10 bonus with your first $10 of earnings.
MaxRebates Get an up-to-$50 bonus when you spend at least $25.
Price. com Get $5 when you make your first purchase.
Ibotta App Referral Code: pdlhgpr Many offers for grocery items, mainly, but also works as a shopping portal.
Pepper Rewards App: My Referral Code is 584441. You must enter the referral code on the first page where it asks for a PROMO CODE! You earn $20 once you spend at least $200 on gift cards within the first 15 days. Android App Download Link iOS App Download Link USE PROMO CODE 584441.
Fluz App Great app for saving a few dollars on instant gift cards & good for some couch manufactured spending. Fluz MS methods & options have changed considerably over time, but there still is a profitable way to use their "Power Portal" as a small businessowner to fund virtual prepaid debit cards.
PFS Buyers Club A buyers club is where you opt into select private deals, buy the item online, and once it arrives at your own address, you mail it to PFS and they pay you over the original cost. How much more over depends on the terms you agreed to. It's YMMV as the items you have to buy are usually extremely limited stock, like U.S. Mint coins. Deals are not constant/continuous and are very specific. You get an additional $20 for using a referral link, provided you actually perform the purchase agreement and follow through with the sale.
GCX (Formerly Raise) Use my link to get $5 off already discounted gift cards from a wide variety of merchants and restaurants. They frequently offer potentially stackable promo codes to further discount your desired gift card(s) as well. For sellers, not exactly a money saver, but if you find yourself with unused gift cards, and a desire to sell them at least a 15% loss, it is a viable option. Cashing out via ACH works as a Direct Deposit for the $900 Chase Checking/Savings bonus.
Sam's Club Join now and get $25 off a Club membership. May be able to be stacked with other Sam's membership promotions, however, YMMV.
Fuel Rewards Good program if you use Shell gas stations. Get gas discounts for shopping at select merchants using linked debit/credit cards.
Upside Highly recommended for every driver, even when gas prices are low. Get cashback on gas purchases at specific gas stations, as well as cash for your gas purchases made by your referrals. Covers all 50 states except New Jersey & Wisconsin, and the affiliated gas stations do change, so don't give up all hope if you aren't impressed when signing up. This stacks with credit card rewards, and sometimes even with station/brand specific reward programs.
Enter the following STACKABLE promo codes in your Upside app under Profile, then Edit the Promo Code, then press DONE. Repeat until you have tried all the following codes:
A2DJC (My Referral Code) - 20 cents/gallon on first fill-up.
SNAP37 - 37 cents/gallon on next fill-up.
AMEX35 - 35 cents/gallon on next two fill-ups.
GOPUFF35 - 35 cents/gallon on next two fill-ups.
PERKSATWORK230 - 30 cents/gallon on next fill-up.
UBERPC20 - 20 cents/gallon on the next four fill-ups. (Added 04/15/24)
SOFI35 - 35 cents/gallon on next two fill-ups. (Added 05/22/24, but may not work on older accounts)
upside_25cpg_test_04242024 - 25 cents/gallon on next fill up. (Added 06/03/24)
SHSBPO Added 06/03/24 - Unknown value.
NBLIONSPTO Added 06/03/24 - Unknown value.
SHSVBALL Added 06/03/24 - Unknown value.
STRIDE03, CBOYS25, PROMO25, & MOON25 - I had no luck with any of these new codes, “Cannot be applied.” error.
SHOPPERS35, USHIP35, UBER35, CASHBACK25, STRIDE25, GOPUFF15 - May work for some users, but not always.
SHOPPER10, 7CENTBONUS, LUCKY7CASH, & COMEBACK6 - Expired. Don't bother trying.
Arcadia Get $10 off your power bill when you use my link, and your first month is free, but $5/mo. thereafter. If you want to be "greener", Arcadia finds ways to lower your power bill and connect you to clean energy like wind and solar power. Whether you rent or own your home, Arcadia can help you power it with 100% clean energy for just $5/month (first month free) — no installations, long-term commitments, or changes to your current electricity provider. Plus, when you enter your zip code and utility company, Arcadia can check your eligibility for additional clean energy options; if there is a community solar farm near you, you can connect to it for no extra cost and receive guaranteed monthly savings on your power bill. I like Arcadia because I pay my electric power bill via credit card and that avoids my local power company CC fee. Also, it still counts as the utilities 5% category for the U. S. Bank Cash+ rewards credit card.
Helium Mobile — FREE mobile phone service & no credit card needed . Use code MNLZ8AD: https://app.heliummobile.com/o6WA/e7usxx8d
Plan details: The Zero Plan, which includes 3GB of data, 100 minutes of talk, and 300 texts per month for $0, with taxes and fees included.
I’ve been using Helium Mobile for about 6 months as a spare cell line. Once I felt confident it was stable (and free), I ported my home number over and dropped my landline. Other great use cases:
A backup phone to keep in your car
A separate number for sign-ups, promos, or online accounts
(They’ll assign you a number if you don’t port one in.)
Pros:
100% free service — no credit check, no credit card required
Can now receive texts to my old home number
Works fine for light use
Cons:
Lost my fax capability (rarely used anyway)
Extra phone to keep charged and check for calls/voicemails
Call forwarding exists, but terms discourage heavy use
Bottom line: For a free backup line, it’s hard to beat. Paid upgrades exist, but I haven’t needed them.
NordVPN Arguably the world's best VPN provider with the largest selection of servers worldwide. Get 3 free months if you choose the 1- or 2-year plans, or get 1 free month if you choose the monthly plan.
US Mobile MVNO Phone Service As a light-moderate data user, US Mobile is a great value at 10GB/month for $210/year. Use my referral link to get a free 30 Day Trial and up to $100 in prepaid cards, depending on the plan you choose. Unlike Visible, US Mobile uses Verizon or T-Mobile, so you have a choice. They recently started a offering AT&T as option too. It's great to have options!
Visible Mobile Phone Service If you're a heavy data user, you can get unlimited data at a decent price with Visible, which is backed by Verizon. Some of my family are using the $25 plan and loving not having to treat data like it's a precious limited resource. My referral link has all the info you need to know about joining Visible. When you use my friend code, 3S8VHS9, you’ll get your first month of service for $20 off!
VetTix Free tickets to concerts and other events - verified U.S. Military vets only.
1st Responder Tix Free event tickets for EMT, Firefighter, Police/Law Enforcement, 911 personnel, and (RECENTLY ADDED) Nurses! 👨⚕️👩⚕️
I'm starting a new section of my website for non-referral offers that ARE worth your time. I do not get any compensation for these offers in this section, but merely providing my personal DP's of success. YMMV! If you find this content helpful, please consider using my referral links on current or future offers for other financial products.
Bank of Hawaii has a $400 checking offer with a hefty $20K deposit requirement to waive $25 monthly fee.
Pulls Chex, unlikely for EWS, and no hard credit pull. For the full $400 bonus, it requires $3,500 in Direct Deposits within 60 days of opening, with no known DP's of success with alternative "fake" DD's working. I did not try to apply for this one with Chex frozen, as I did not want any unintended complications when the nearest branch is 5,000 miles away.
At first glance, the offer is not great. Let's see what we can do to turn that frown upside down!
For starters, they accept OOS (out-of-state) applications online without issue or questions. For reference, my Chex inquiry numbers typically float around 1-2 per month, so it's hard to say what their upper limit might be.
My P2's timeline:
12/03/2024: Opening Deposit of $500 (ACH) on a Bankohana II account
12/07/2024: Reminder email arrives, Subj: "Get a Cash Bonus with your new account"
12/30/2024: Pulled out $400 via an external bank (Balance of $100)
01/14/2025: First Treasury Direct 4-week T-bill hits. $1,800
01/16/2025: Pulled out $1,850 (Balance of $50)
01/21/2025: Second Treasury Direct 4-week T-bill hits. $1,800 (DD requirements met)
01/23/2025: Pulled out $1,799 (Balance of $51)
02/28/2025: First monthly "Service Fee" of $25 assessed. (Oh my, what have I done?) :( (Balance of $26)
03/04/2025: $400 "Credit Memo" Checking account bonus posts. :)
03/05/2025: Email arrives, Subj: "Congratulations—you’ve earned a cash bonus!"
The next $25 monthly fee will not be due until the end of March, giving my P2 plenty of time to request a fee waiver (YMMV), and downgrade to a more compatible product. Their Convenience Checking only requires a $500 monthly deposit or minimum balance to avoid the monthly fee.
The only downside I found with this offer is that there is no bonus tracker so you don't know your progress. Also, there is no Secure Messaging and no Chat... so you must call the bank if you have any issues. Thankfully, other than downgrading or closing where you will need customer service, it has been a smooth ride.
Update:
06/09/2025: Called to close tonight. Takes 1-3 business days with a $0 balance. Can take up to 10 days with a balance. Will get a final statement in the mail. Acct was open more than 180 days, so not sure if they enforce the EATF. No mention of any fee, nor did I ask.
In March, my P2 was able to get the 1st monthly fee waived. The conversion to the Convenience Checking took longer than expected, about a week, and a 2nd $25 fee was assessed at the end of March. She was also able to get that one waived as well.
I always welcome tips and tricks others have found. Please reach out if you have what might be the next best thing to be featured here.
