Bank Bonus Geek
Gadget's Referral Links
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. 🕵️♂️
Bank Accounts - P2P - Prepaid Cards
Banks & Credit Unions (Brick & Mortar)
PSECU $250 Checking Offer (Nationwide if you join the Pennsylvania Recreation and Park Society (PRPS) for $10) PSECU is offering a $250 bonus with a few requirements. Schwab brokerage ACH works for a direct deposit. The bad news: they do Hard Pull Experian, however, if you freeze that report, they may pull Transunion instead.
Wings Financial Credit Union ReferLive $50 Referral Promo This $50 bonus stacks with their $300 checking promo, however, the $300 bonus is not currently active. (Nationwide if you join the Wings Foundation for $5 on your application) Use my link to get $50 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. Stacks with their checking promotions, if/when available; just be sure to signup for the referral BEFORE opening the checking account. The bad news: they do Hard Pull Experian.
GTE Financial Credit Union is offering a $200 bonus, however, it recently changed terms to 'Florida residents only' but I am not sure if it is enforced. Fair amount of credit card funding available at $500 per account, and multiple savings accounts are allowed and can be funded either with the initial account application, or later from online banking. Feel free to use my referral code on the 1st page of the application, and the promo code "JOIN200" is used on the last page. My $25 GTE Financial Referral Code: S692844V2U (the $25 is for the referrer ONLY) The bad news: they do Hard Pull Equifax.
Regions Bank Referral This $50 bonus stacks with their $200 checking promo. Fill out the referral form, submit, then open your new Regions checking account using the same contact information. Once you have the new checking account, enroll in estatements, do the required number of debits, receive a Direct Deposit, and wait 60 days to receive your $50 Visa gift card. If you have had a Regions account in the past, be sure to use a different email address on the referral form and the new checking account.
Service Credit Union You earn a $75 bonus for opening a free Dividend or Everyday checking account, enrolling in e-statements, completing a $500 direct deposit, and keep the account open for 60 days, then the bonus will post in 90 days. Offer expires 06/30/22.
Associated Bank ReferLive $50 Referral Promo You get $50 to open a checking account, fund with $100+, Direct Deposit of $500+ in 90 days, and have a total average daily balance greater than $1,000 after 90 days. The referral offer stacks with their checking promotions when available; just be sure to signup for the referral before opening the checking account. Footprint states are WI, IL, MN, IN, or past customers.
Delta Community Credit Union Get $50 for opening a checking account, depositing $50, and doing 10 debits within 60 days.
SkyOne Federal Credit Union You earn a $25 Amazon Gift Card for depositing the minimum opening balance amount of $5, then maintain the new account and credit union membership in good standing for a period of thirty (30) days. (Marginally Chex-inquiry sensitive)
Digital Federal Credit Union (DCU) is offering a $20 bonus for opening a checking account and performing a Direct Deposit, or five debits, bill payments, balance transfers, or P2P transfers in the same calendar month. (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 pulls Chex. As part of the application, you will also open a Primary Savings account where you’ll earn a 6.17% APY on balances up to the first $1,000, and 0.25% APY beyond the 1K cap. Email me to get a referral - Please include your first and last name, and the email address you will to use when opening the account. Contact email@example.com for more info.
Hybrid "Neobanks" (online-only, usually provide a debit card, usually no check-writing, etc.)
Lili Financial "Freelancer" Checking Open a Lili account, spend $250 on your debit card, and get $100. Nationwide, no Chex or Hard pull, no CC funding. For anyone stacking with Swagbucks/Mypoints or Drop App bonuses, here is my referral code: 506gwv
Nearside Business Checking $90 in bonuses with easy requirements. Open an account, spend $100 on the debit card in your 1st month, and earn a $50 bonus. They also have a stackable initial deposit bonus of $40 for a $200 deposit. No Hard Pull, no Chex Pull, but no CC funding.
Albert Open a Albert account, Direct Deposit $200+ every 30 days for 90 consecutive days, spend $100+ on goods or services with the debit card every 30 days for 90 consecutive days, and earn a $150 bonus. Only deposits that Albert verifies as legitimate will qualify to unlock the bonus. Nationwide, no Chex/EWS or Hard pull, no CC funding.
OnJuno Open a checking account and Direct Deposit $250+ to earn $50. This account earns up to 5% cashback for purchases at select retailers. Wal-Mart is one I'd recommend, where $3,000 in money orders will earn you $150 (5% of $3K) cashback.
GO2Bank Open an account and Direct Deposit $200+ to earn $50. Nationwide, no Chex/EWS or Hard pull, no CC funding.
Chime Open an account, Direct Deposit $200+, and earn a $100 bonus. Almost any bank-to-bank external transfer works as a Direct Deposit with Chime. Just setup the transfer via your other bank's online banking and push the money into the Chime account.
Oxygen Email me to get a link. Open an account, deposit $500+ and use the debit card for 5 purchases within 60 days, and earn a $55 bonus.
Aspiration Spend & Save Open an account, fund with $10+, and spend $250+ on the Aspiration debit card in 60 days, and earn a $50 bonus. Occasionally better offers exist.
Varo Bank Open an account, spend $50 on your debit card, and get $50. I recommend going through Swagbucks/Mypoints for a bigger bonus.
PrizePool Savings A savings account where you earn tickets, which puts you into a lottery for prizes. Stack with Swagbucks/Mypoints by using my referral code: ZNWVV
Yotta Savings Not your normal savings bank, as the promised interest rate is not high, but you have chances to win cash prizes. We'll both get 100 tickets to win up to $10,000,000 when you download Yotta Savings! Just sign up with code JEFFREY27.
P2P & Money Transfer Apps
Cash App Great P2P payment app with a debit card and spending bonuses. Signup with my link to earn a $10 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
Sign up for Google Pay, send someone a $1, and earn $5. Super easy and super fast payout! You can refer up to three people for up to $15 each. Open the link from your mobile device to install the Google Pay App. Use https://g.co/payinvite/bq7v768
PayPal $10 Bonus - Email me! You provide your email address, I send you a penny via PayPal, and you sign-up. Worth $10 for each of us. New PayPal customers only. Referral program details can be found here.
Money Management Tools
Similar to Mint, 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.
Netspend Prepaid Variants: Netspend, Western Union, & ACE Elite. Choose one of these. 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 Netspends without issue, useful for the savings accounts, but you will likely only collect one $20 bonus.
Credit Cards & Loans
NEW!!! Discover it® Cash Back $100 Sign-up Bonus Earn a $100 Statement Credit when you make your first purchase within 3 months. First year cashback is doubled at end of year. That makes the 5% quarterly rotating categories equivalent to 10% cash back, subject to the standard quarterly limits of $1,500, of course. This is a no annual fee card.
Discover 5% categories for this year:
Jan–Mar 2022: Grocery Stores, Fitness Club & Gym Memberships
Apr–Jun 2022: Amazon.com, Walmart.com, & Target.com
Jul–Sep 2022: Restaurants & PayPal
Oct–Dec 2022: Amazon.com & Digital Wallets (Apple Pay, Google Pay, Samsung Pay, & Garmin Pay)
American Express offers change frequently. Also, the offers may change if you use incognito/private mode.
Capital One Quicksilver $200 bonus for $500 of spending in 3 months. This is a no annual fee card. Currently offering a decent interest-free period.
Chase Disney $150 or $300 bonus for $500 of spending in 3 months, depending on the card you choose. The statement credit usually posts within days of meeting spend 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 $200 bonus for $500 of spending in 3 months. This is a no annual fee card.
Chase Sapphire Preferred $600 bonus for $4,000 in spending in 3 months. $95 Annual Fee not waived. Subject to 5/24 rules.
SoFi Loans: Get $310 for refinancing your student loan, or $310 for opening a new personal loan. 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. This promotion works even if you are an existing SoFi customer of their other products.
Crypto - Digital Currency - Wallets
OKCoin Open an account, complete identity verification level 2, and receive $10 worth of BTC when you buy $100 crypto or more.
eToro Get $50 for funding with $50 and doing $100 in crypto trades. Also, you can earn $50 for each referral, up to 10.
Abra Create a new account using a referral link and get a $25 bonus when you deposit $15+ for 30 days. Bonus is in the form of CPRX which is Abra’s own cryptocurrency. Use my unique code: RCGU4PZQK, or link: https://www.abra.com/ref/?deep_link_sub1=RCGU4PZQK
Coinbase Open an account, and if you buy or sell $100 or more of crypto within 180 days of opening, you'll receive $10 worth of free bitcoin.
Get free EOS on Coinbase Get up to $50 in EOS crypto. This is available to existing Coinbase users.
Binance They recently revamped their referral program and removed the signup bonus. I'd recommend waiting.
Interactive Brokers Get up to $1000 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 $100 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 shares to vest and be accessible. No hard pull, easy sign-up process. I had next day account approval.
Updated: Moomoo Open an account to earn up to 6 free shares…
– Open a brokerage account to get 1 free share worth $3-$3,500.
– Deposit any amount to get 1 free share worth $9-$3,500.
– Deposit $100 to get 1 LCID share. (currently worth about $40)
– Deposit $2,000 to get 3 additional shares worth $9-$3,500 each.
GROUNDFLOOR Real Estate Investing - Earn $10 for opening an account, linking your bank and funding the account with $10. Rewards must be invested.
Concreit Real Estate Investing - Open an account, invest $1, and earn $50 in "Reward Fee Waiver", not cash.
M1 Finance Open a new individual account, fund with $100, maintain for 30 days, and earn $50.
Firstrade Get one share of stock when your brokerage application is approved. Free stock is valued from $3-$200.
Robinhood Get one share of stock when your brokerage application is approved. Free stock is valued from $2.50 to $200.
SoFi Invest Open and fund a new Active Invest Account with at least $1,000 in 14 business days, and earn $25 in stock.
Stash Open and fund a new Stash portfolio with one cent ($0.01) or more to earn $20 in stock.
TradeUp Open and fund a new live trading account, and earn one stock (Value $2-$15). Fund with larger amounts to earn up to four additional stocks (Value $15-$1,000 each).
WeBull Open an account, fund with $100, and you get two free stocks. Free stocks are valued up to $1,000.
Schwab You get $100, or more... I get the joy of helping someone. Schwab no longer does a hard credit inquiry for a new account.
$10,000–$19,999 will receive $50
$20,000–$24,999 will receive $100
$25,000-$99,999 will receive $200
$100,000–$199,999 will receive $300
$200,000–$499,999 will receive $600
$500,000-$999,999 will receive $1,200
$1,000,000–$1,499,999 will receive $2,500
$1,500,000 or more will receive $3,000
Money Saving Apps - Portals - Sites
PASSIVE EARNINGS APPS - Link your existing credit or debit cards and/or banks, and watch the points accrue. Optionally, they also have offers inside the app that require using their link.
Dosh App Referral Code: JEFFRES58
Drop App Referral Code: a2pak
ACTIVE EARNINGS APPS - Requires you to select coupons or offers, upload receipts, use their portal, etc. to get money back on purchases.
Ibotta App Referral Code: pdlhgpr Many offers for grocery items, mainly, but also works as a shopping portal.
PORTALS TO GET CASHBACK - Once you signup, login to their site or app, use their links to shop online, and you earn cashback on ELIGIBLE purchases at 3rd party sites. Offers vary quite often on these so please read all terms.
FREE REWARDS PROGRAMS - Membership is free, but some optional offers are not free and require a purchase.
Steady Earn cashback with money-making offers called Boosters. Also lists some job listings, as well as gig opportunities.
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.
Fluz App Great app for saving a few dollars on instant gift cards & good for some couch manufactured spending. Several Fluz retailers sell $200 digital Visa gift cards not only with no fee, but actually earn you cashback too. This is on top of what you are earning from your credit card and/or helping you meet minimum spending on a new credit card.
PFS Buyers Club Opt into select private deals, buy the item, and once it arrives at your address, you mail it to PFS and they pay you over the original cost. How much more 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 and follow-through with the sale.
Raise.com Use my link to get $5 off already discounted gift cards from a wide variety of merchants and restaurants. They frequently offer potentially stack-able 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.
Walmart Grocery I am very new to this one, but I can see the benefit in saving time and a few bucks. Walmart does the shopping and loads your car for FREE. Save $10 off of $50 with my link.
Need Gas? Best apps to get a deal!
Fuel Rewards Good program if you use Shell gas stations. Get gas discounts for shopping at select merchants using linked debit/credit cards.
GetUpside 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 most states, 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 specific reward programs like Shell when they don't catch it.
Phone - Wireless - Utilities - Services
23andMe Get a discount (10-20%) on the services offered. I was surprised by my results, and seemed very credible. They were able to find my niece accurately without any other info other than my DNA.
Arcadia Get $10 off your power bill when you use my link. 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. I like them because I pay my electric bill via credit card and avoids my local power company CC fee. Also, it still counts as utilities for the U. S. Bank Cash+ rewards credit card.
Red Pocket Mobile Phone Service I have been using Red Pocket for over a year now and very happy. I like the fact that I can change my network and they offer all of the major cellular networks. Light data users especially can save a lot of money with their smaller plans. I recommend using my referral code to get $7.50 off your first month of service if you choose a plan that is $25 or less. This means if you get the $10 plan, your first month's cost is only $2.50 plus tax and SIM shipping is free. You can downgrade or upgrade plans whenever you want after you try out Red Pocket! My Referral Code: 92413F1383554B84