Please feel free to use my referral links below. If you have questions about the products, the links, or just want me to know you used my link, please email me. I would be glad to hear from anyone. 🕵️♂️
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.
Ally Bank $100 referral bonus
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.