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.   🕵️‍♂️

Recent CC Deal:  Chase Disney  A $250 or $400 bonus for $500/$1,000 of spending in 3 months, depending on the card you choose. 

New - BluPeak Credit Union

BluPeak Credit Union Highlights:  Offers a $200 referral bonus, a 5.33% APY Preferred Savings account for new members (no cap on the balance, no minimum, or silly transaction requirements), plus you can fund additional accounts with $1,500 in credit card funding.

This is a NATIONWIDE offer because BluPeak CU will now cover the donation of $5.00 to KPBS on your behalf, which is the PBS (Public Broadcasting Service) member television station in San Diego.

With the new referral program, you must use the promo code received by email (ReferAFriend) to open a Free Checking with eStatements account AND one other deposit account (either a Savings, Money Market or Certificate).  Then, receive at least TWO direct deposits to the new checking account that total of at least $500 within 90 days of account opening.  You just need to maintain the new account in good standing for at least 90 days. The $200 deposit account bonus will be credited after all requirements are met, the new accounts have been open for 90 days.  So, ~90 days to get $200... for at least two DD's totaling $500.  

If you would like to get a referral, please email me.  I will just need the email address you will use to open the account and your first/last name PRIOR to opening your BluPeak CU account.  You will get an email confirming referral registration with the subject: "(My name) Referred you to Join BluPeak!"  Please check your SPAM folder if you requested a referral.

BluPeak pulls Chex, no hard credit pull, & soft-pulls Experian.  Not inquiry-sensitive.  Unlikely EWS.  $1,500 CC funding per application.  CC funding is not instantly available and takes two business days to appear in online banking.  Once the funds are visible, no hold was placed on the funds and I moved all of it (except $25, to keep the checking account "funded") to the Preferred Savings.  Citi Double Cash MC CC charge did post as a purchase, listed as USE CREDIT UNION 866-8734968 CA, Spend Category of Mortgage Companies - Financial Institution.  BluPeak does allow existing customers additional applications for additional round(s) of CC funding.  I did two same-day applications to ensure I would not get an additional Chex inquiry, so I am unsure if they will pull Chex again if attempted on a different day.  Per one comment, they do pull Chex again when opening more accounts on another day, but I am not sure if they applied  for those accounts from within online banking as I recommended.

The BluPeak account application asks if you want to use your phone number to pre-fill your application, with the option to skip it.  I chose to use my cell phone number and surprisingly it was able to prefill much of the application (which is cool and scary at the same time).  I figured anything that could help verify my information would be beneficial for the application to be approved.  Because of my superb results, I recommend the phone number verification method.

My first account application (Free Checking with eStatements) was “Instant Approved”.  I made sure the promo code was entered at the very end of the application, and it's a good idea to take a screenshot of the final page showing that code was used before hitting "I Agree".  Instant account approval allowed for immediate setup of online banking.  Then, I used the link inside online banking to add an additional account.  See Main Menu > Additional Services > Open Another Account.

Inside online banking, you can see your account number for the checking account under the account details.  Your member number is listed as "ACH number", and your checking account number is listed as "MICR".  It’s my belief the credit union prefers you use the MICR number for Direct Deposit, although either number likely works.  If you click "Check Reorder" under Additional Services, you will see the checking account number there as well, which is the MICR with three leading zeros.

My second account application (Preferred Savings) went to a status of “Referred”.  That application had next-day approval, and the account shows an interest rate of 5.190% in online banking.  Hours after submitting the application, I was notified via email that “We’re delighted to report that since you are already a BluPeak member, the account has been opened and the funds were transferred as you specified.“ The $1,500 additional CC funding went pending to the credit card that day. 

My household member applied at 11 AM Eastern on Friday, 10/20/23, was instantly approved as well, and then immediately applied for the Preferred Savings via online banking.  In about 4 hours, I received an email about the Savings account being approved.  BofA Premium Rewards Visa funding was posted as a purchase two days later. 

To check the status of your BluPeak CU account application(s), click here

Mint integration:  BluPeak does link to Mint.  Will show as USE Credit Union.  

Other helpful info:  Remember to sign into online banking and request e-statements.  Even though the name of the account mentions estatements, you still have to enable them.  The BluPeak Debit card, although not required for the bonus, took exactly one week to arrive.   Bill Pay enrollment was available once the account is funded.  External Transfers is not enabled/available in online banking when first opened.  On the 8th day, External Transfers & Zelle options were now available in online banking.  I recommend exercising caution with using those for outbound transfers on a new account though.

Fee Schedule = ETF is $15 if closed within 90 days.  Additionally, this credit union does charge $5 to join.

For those looking for the old information on the $300 bonus, you can find that here.

New & Hot - Securityplus Federal CU

Securityplus Federal Credit Union Highlights:  Offers a $100 Amazon gift card referral bonus for both parties, occasional high-yield Certificate of Deposit deals, plus you can fund each deposit account with $2,000 in credit card funding.

What makes this a winner:  Not Chex-inquiry sensitive, no Direct Deposit or Debit/bill pay transactions are required for the bonus, no minimum balance or monthly fees, plus the ability to earn cash back on "debit" spending, and no ETF.  What's not to love?

Not good enough?  Their planned CD promotion is here.  They have a 6.00% APY CD Flash Sale Event on 11/20/2023 thru 11/30/2023.  Available online only!

This is a NATIONWIDE offer because Securityplus FCU accepts members of the American Consumer Council (ACC) as eligible for credit union membership.

Super-simple bonus requirements:  

1) Meet the membership requirements to join Securityplus FCU & be 18 years or older .

2) Open a checking account online (requires a $50.00 minimum deposit at account opening).

3) Maintain the checking account & membership in good standing for 30 days .

If you would like a referral, please use my link to register yourself for the referral.  Once you do that, you can open your account from the Securityplus application page.  

Optionally, you can email me to get a referral invitation.  All I need is your email address PRIOR to you opening your Securityplus FCU account.  If you request this from me, you will get an email invitation with the subject: "Get a $100 Amazon Gift Card reward".  Please check your SPAM folder if you requested an invitation to be sentOnce you have the aforementioned email, YOU MUST register for the referral using the link in the body of that email.

My account opening experience:

Securityplus pulls Chex, no hard credit pull, & no soft-pulls.  Not inquiry-sensitive.  Unlikely EWS.  There is $2,000 CC funding per account, meaning your initial application with a savings and checking accounts can total $4,000 of funding if you desire.  Per the application, they allow credit or debit card using Visa®, MasterCard®, Discover®, or AMERICAN EXPRESS®.   CC funding availability speed: Two business days after approval, credit card funding was available and no holds were placed.  BofA Unlimited Cash Rewards MC CC & Citi Double Cash MC charge did post as a purchase & was coded as Online Shopping at BofA.  Minimum funding amount is $50 & the other funding option is ACH via PLAID-style linking.

Be sure to add a checking account to your initial application, otherwise you may have to submit an additional application at a later date, likely incurring another Chex inquiry.  I believe Securityplus FCU does allow existing customers additional applications for additional round(s) of CC funding, such as a CD.  It's currently unknown (but likely) if they pull Chex again when opening more accounts on another day.  I recommend the Cash Back Checking, earning 0.5% of free money for debit spending, which is $25 per month (with $5,000 spend).  I am unsure if Cash App "spending" counts as a purchase, but typically does at other credit unions.

Do be sure to sign-up for estatements, as it a requirement to (optionally) earn cash back with the debit card.  BY DEFAULT, PAPER statements were selected.  To change the setting, go to the main menu > Accounts > eDocuments > Overview tab, click Subscription Settings > Click the ⚙️ gear icon on the Statements line > On the Statements pop-up window, fill the "Online" radio button and hit the "Continue" button.

The Securityplus account application asks if you want to use your phone number to pre-fill your application.  I chose to use my cell phone number and surprisingly it was able to prefill much of the application.  I figured anything that could help verify my information would be beneficial for the application to be approved.  Because of my superb results, I recommend the phone number verification method.

The application did request an upload of a secondary identification document.  I opted to upload my SS Card, but utility bill and several other options were listed.  Once I submitted the application, the final screen stated to upload both primary and secondary ID, but they had no way to do the upload.

There is promo code block but no promo code to enter because your bonus hinges on the fact you registered your information with a valid referral link prior to your application.  My credit union account application DID NOT have instant approval.  

Two business days after applying for my account, I received two emails with the exact same timestamp.

I chose to submit the Driver's License via the Message Center Secure Messaging within online banking instead of replying to the email.  There is an option for "Application Status" subject on the message pulldown menu.  They did respond that the document was received via SM later the same day.  Interestingly, my ACC membership certificate was not requested at any point.  Unlike some other credit unions, no phone calls were required for me to get the account approved/opened.

The DocuSign PDF you sign online will have your member number, and the two account numbers (savings & checking).  You will need your member number to sign up for online banking, so it's a good idea to screenshot or download the PDF.  Once you have online banking access, you can easily see your account numbers for the checking & savings accounts as well. 

To check the status of your Securityplus FCU account application(s), click here

Mint integration:  Securityplus does link to Mint.

The debit card, although not required for the bonus, took almost two weeks from checking account approval to arrive.  Bill Pay enrollment and External Transfers was enabled/available in online banking instantly, even before the account was funded.  Recommend exercising caution using those functions right away with a new account though.  To get the bonus, you (and the credit union) need to keep the account open.

Fee Schedule = No ETF listedThis credit union does charge $5 to join.

My Chex numbers at the time of the application submission, not counting Securityplus (months/inquiries):

4/1,  6/2, 6/3, 8/6, 17/12, 40/24.  HH Member Chex numbers were slightly less.

Per the application, they allow non-resident aliens that have completed a form W-8BEN.  I have no experience.

My household member applied for Securityplus and entered my name as "Securityplus employee" on the eligibility dropdown menu, and had INSTANT APPROVAL. (member was not listed as an option)

Red text indicates information I plan to update in the coming days.  First published here on 11/15/2023.

New - FitnessBank

FitnessBank Referral Program Highlights:  $75 bonus with simple requirements.  

You MUST USE A FitnessBank Promo code:  BonusJeffreySchwartz

This is a NATIONWIDE offer.


$50 Checking Bonus:  Open an Referral Elite Checking Account, keep a $5,000 balance during your 90th day statement, and the prior statement, & do 15 debit card transactions that post in the monthly statement that ends on or after your 90th day.  FitnessBank statement periods end on the 10th of each month.  However, if the 10th is a weekend or holiday, it will end on the preceding banking day.   So, for those just now signing up after November 10th, 2023, the debits will need to be on statement period that STARTS Feb 10th.   My recommendation: Just remember to show your FitnessBank debit card some love on Valentine's Day 💘 to remind yourself to do your debits!

$25 Savings Bonus: Open a Referral Fitness Savings, and maintain the $100.00 minimum balance for 90 days.

My account opening experience:

No hard or soft pull of credit, does pull Chex, but not inquiry-sensitive.  Unknown for EWS.  Although FitnessBank tends to give instant approval and account numbers, they do the ChexSystems inquiry at a later time.  They give instant online banking access, but the accounts will show as "Pending" above the account name.  The next business day, a Chex inquiry took place from Affinity Bank (parent bank of FitnessBank), and then received an email from an actual rep (not automated), Subj: Welcome to FitnessBank.  Most of the email is about fitness features, but the highlights are direct quotes:

"Thank you for becoming a FitnessBank Athlete! After the account is open for 90 days, you will receive the bonus."

"To add additional funds to the account, you can originate an external transfer from either our online banking or from your other institution. Additionally, we have no incoming wire fees and will reimburse the fees charged by your bank to originate a wire. We are happy to send our wiring instructions upon request."

"The debit card has been ordered and should arrive in 7-10 business days."

Do be sure to add the promo code  (BonusJeffreySchwartz).  The entry block is shown twice on the application.  I added it at both spots, but never appears on the bank documents unfortunately. 

When selecting which accounts to open on the application, select "Referral Elite Checking" & "Referral Fitness Savings", not the plain (non-referral) versions.

There is a entry block in the middle of the application to ask questions or leave comments, and says they will address any questions in the account opening email.  I left a thank you.

My HH member's Chex numbers at the time of approval (months/inquiries), not counting this bank: 

3/1, 5/2, 6/3, 8/6, 13/12, 35/24.  My Chex numbers:  3/1, 6/2, 6/3, 9/6, 18/12, 40/24.

No option to do CC funding.  ACH funding is pre-set at $100 per account.  I specifically chose to use an EWS bank (Cap One 360), as I know sometimes banks can verify the external account has a balance there.  Although, I am not sure if they are an EWS bank or have that ability, I think it's good in practice.  No Plaid option for linking, so you must use ACH RTN & Account Number, and I do not believe they will do any trial deposits, so nothing to verify later.

Fees:  No ETF.

Elite Checking: Must maintain a $10 minimum average balance; otherwise, a $10 fee.

Fitness Savings:  Must maintain a $100 minimum average daily balance; otherwise, a $10 fee.

Mint integration:  FitnessBank does link to Mint without issue.

I did confirm via email with the account opening rep that BOTH the Savings & Checking are enrolled in the promo, both bonuses can be collected, and it's not one bonus or the other ($100 & $25, not $100 or $25).

Unfortunately, there is no way for me to track the referral progress or the count, so if you want, it would be appreciated you let me know which code you used via email.  Thank you!

First published here on 11/16/2023. 

New - OnPath Federal Credit Union

OnPath FCU $100 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:

Perks:  This credit union also offers two rewards checking accounts: a 7% 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 type 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.

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 are able to 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 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 $100.  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 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 about 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.  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.

Mint integration:  Does link to Mint.  Will show as ASI Federal Credit Union.

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 an 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:

Bank Accounts - Credit Unions - Fintech

Banks & Credit Unions (Brick & Mortar)

A $650 Checking Bonus!  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 here and here; just be sure to signup for the referral before opening the checking account.  Footprint states are IA, IL, IN, KS, MI, MN, MO, OH and WI, or past customers.  They do accept out-of-state customers in a branch for their checking account promotions!

$50 Regions Bank Referral + $300 Checking Bonus (Updated 6/26/2023) 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:

– Fill out the referral form, and submit it.

– Open your new Regions checking account from a promotion link online using the same contact information used on the referral form. Alternatively, you can open in a branch, but the email voucher is nearly impossible to get and you will have to convince a banker you have enrolled online.

– 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 Visa gift card.

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.  Alternatively, to get a referral, you can send me an email ( with your first & last name, and the email address you will use to open the account.

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).  $2,500 in credit card funding is available, too!  Fidelity Cash Management ACH transfer will work to trigger the DD requirement.  The bonuses typically pay out within DAYS of completion of the requirements.  To get a referral, just send me an email ( with your first & last name, and the email address you will use to open the account.  Be sure to use the "RAFDD" promotion code mentioned in the referral email I will have sent to you.  No hard pull of your credit, but does pull ChexSystems, and soft pulls Experian.

PSECU $300 Checking Offer  Nationwide if you join the Pennsylvania Recreation and Park Society (PRPS) for $10, which is offered on the credit union application. PSECU is offering a $300 bonus with a few requirements such as recurring direct deposit.  Schwab brokerage ACH works for a direct deposit.   The bad news: they do Hard Pull Experian, however, if you freeze that report, they will pull Transunion instead.  Pulls Chex, but not inquiry sensitive.

Associated Bank $300 Business Checking Bonus  (You register for the referral online, but you must open the business checking account in a branch.)   Get a $300 bonus when you register, open a new Associated Bank Business Core Checking® or Business Advanced Checking account, OR Get a $100 bonus when you register, open a new Associated Business Foundation Checking® account, AND complete the following within 60 days of account opening: 

NEW INCREASED OFFER:  SECU Maryland is offering a $250 bonus that is stackable with the $50 referral bonus.  To get a referral, just send me an email ( 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 7/17/23 – 10/31/23.  However, they recently added the following terms:  Offer is only available to residents of  MD, DC, DE, PA, VA, WV, as well as University of Maryland College Park students. 

VyStar Credit Union is offering a $175 bonus plus $25 if you refer someone.  They post a $25 bonus the next day after opening a checking account, and $150 after 91 days from opening if you complete 15 debit transactions and a direct deposit.  Footprint is selective down to specific counties in FL & GA, but they also will open accounts for active & retired military nationwide, and  family members of current credit union members too.   Be advised, but sorry, I am not sponsoring long lost "family members".   To get a referral, just send me an email ( with your first & last name, and the email address you will use to open the account.

INCREASED OFFER!!!  Great River Federal Credit Union is offering $150 with a new checking account by using promo code REFERNOV150.  This is a nationwide offer using the American Consumer Council (ACC), which is part of the credit union application.  You can earn the $150 referral bonus by entering my name near the end of the online application:  MICHELLE BAUMAN.  

The new Great River FCU members must enroll in online banking and eStatements and accomplish any ONE of the following within 60 days of account opening: 

1) Checking account with qualifying direct deposit of at least $200, or

2) Checking account with 10 or more debit card transactions (transactions must be over $10), or

3) Any type of approved loan or credit card. 

Per the phone rep that opened my account, "debit card" funding is limited to $1K.   Instead, I used a Citi Double Cash MC CC for funding and it posted as a purchase.  They do hard pull Equifax, and Chex, but not inquiry-sensitive.  Please email me if you have questions.  In my experience, the bonus is deposited around the 15th of the month following 60 days from account opening.

Sweet! 💰  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 3.5% 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 ( with your first & last name, and the email address you will use to open the account.

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.  If you prefer, I can email you your very own special referral link with the complete terms for your records. Email me:  Please provide the email address you will use to open the account.

Redstone Federal Credit Union  (Severely limited to just these counties for the promo: Alabama Counties – Madison, Morgan, Marshall, Limestone, Cullman or Jackson. Tennessee Counties – Rutherford, Bedford, Cannon, Moore, or Lincoln.)  Earn a $100 bonus for opening a new checking account and performing required activities.  Be sure to use my Promotion Code: SCH856441  CC funding is available to existing customers on additional accounts, and you should see up to $530 on a new customer application as well.  Expires 12/23/2023.  Does pull Chex, no EWS, and soft-pulls Experian.  You can also earn 2.52% APY on the first $2,500 in the Brighter Day Savings. 

UPGRADED BONUS UNTIL 11/30/2023!  $50 SkyOne Federal Credit Union Referral Bonus  Just register your email address with a SkyOne referral link. You will earn a $50 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.  This is nationwide through Surfrider Foundation or Friends of Madrona Marsh (paid by the credit union) which you will choose as part of your application, but this credit union is marginally Chex-inquiry sensitive.   Pulls Chex, but no hard pull or EWS pull.

INCREASED OFFER!!! 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 required.  No Hard Pull, pulls EWS, not Chex.  Unfortunately, possibly locals only now, or family members of existing members.  Increased referral offer ends 12/29/2023.

Wings Financial Credit Union ReferLive $50 Referral Promo  (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.

Hanscom Federal Credit Union (Nationwide with certain community groups you can join on the application, paid for by the credit union) is offering a $30 bonus to open a new membership, plus checking & savings accounts.  Pulls Chex, but no EWS, and no hard pull.  The initial value was in the account is the credit card funding, but it has been reduced as of June 2023.  $100 per application, and they accept Visa, MasterCard, American Express, and Discover.  I recommend opening the Share  savings account, get your member number, then submit another application as an existing member for the checking account on the same day so you can double-dip the CC funding .  They also offer a Thrive account which earns 5% APY interest, however, you can only deposit $500 per month over a course of a year.  It's essentially a Certificate of Deposit that matures after the year, and if you chose to renew, you start over with a new account & a $0 balance.  If you would like a referral, just send me an email ( with your first & last name, and the email address you will use to open the account. 

GTE Financial Credit Union is offering a $25 bonus for opening a new membership, and funding a checking account within 30 days.  They allow a 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.   My $25 GTE Financial Referral Code: S692844V2U You must manually enter the code on the application.  The bad news: they do Hard Pull Equifax.

DCU (Digital Credit Union) is offering $20 for opening a checking account and perform 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 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.  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.

Interest Rate Bump:  Sign up for Marcus via my referral link and get 5.15% APY for three months on your savings account. 

Fintech "Neobanks" (online-only, usually provide a debit card, usually no check-writing, etc.)

💰  Upgrade Rewards Checking $150 Referral Bonus   Just open a new Rewards Checking Plus account and complete a $1,000 Direct Deposit within 45 days. No Chex, No EWS, and no hard pull in my experience. Offer expires 11/30/2023.  Beneficial in the long-term, the Upgrade debit card earns 2% cashback for every day purchases in the following categories: convenience stores, drugstores, restaurants and bars - including food deliveries - gas stations, utilities and monthly subscriptions such as phone, cable, TV and other streaming services, and 1% on all other debit card purchases. 

For those wanting to try to stack the Upgrade Rewards Checking offer and the SB/MP offer, do the following:

1. Open Swagbucks or Mypoints, and log in.

2. Use the search bar to search for UPGRADE to find the Upgrade Checking offer and click “View Offer”, and the “Get” SB/MP button.

3. Once you are at the website, click on nothing. In the same tab, paste a referral link into the address bar in place of the one from Swagbucks/Mypoints, and hit Enter.  My referral link is

4. Sign up.

Chime $100 referral link  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.  Nationwide, no Chex/EWS or Hard pull, but no CC funding.

Plus, with Chime, there is the possibility of doing a portal offer stack with a Chime $100 referral link.  To do this, you start by clicking on a referral link but do not fill it out the info, 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 do the necessary account requirements.

NEW & HOT!  Get $100 to open an elroy account (formerly known as Wallet by BOSS Money) and receive total qualifying direct deposit amount of $5,000+ within 45 days.  Alternatively, a Direct Deposit of $500-$4,999 only gets $25 though.  Terms apply.  Just use my referral link or QR code when signing up.  I recommend using your phone/mobile device because this FinTech is app only.  Nationwide, no Chex or Hard pull, but no CC funding.  Unlikely EWS.

Oxygen  Email me to get a referral link.  Open an account, Direct Deposit $500+ and use the debit card for at least 2 purchases totaling $350 or more within 60 days, and earn a $100 bonus.  Nationwide, no Chex/EWS or Hard pull, but no CC funding.

GO2Bank  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.   (GO2Bank keeps changing the bonus amount.  I'd recommend waiting for it to be $100 again.)

Current  Open an account and Direct Deposit $200+ within 45 days to earn $50.   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 $50 referral bonus should be stackable with other portal offers like Swagbucks (5,000 SB) 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.

Juno Finance $25  Get $25 for funding your crypto wallet account with $50 by using a referral link.  Currently they are offering 5% APY interest on your checking account balance up to $25K to $250K, or 3% for less than $25K. The 5% Cashback on debit card spend is probably Juno's most attractive feature, but most of the merchants have changed mid-2023. There is a limit of $500 cash back annually if your account is in a Metal status, which does require a (one-time?) Direct Deposit.

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  Nationwide, no Chex/EWS or Hard pull, but no CC funding.

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 JEFFREY27Nationwide, no Chex/EWS or Hard pull, but no CC funding.

Updated! ✨ Revolut  Sign up, add money, order the debit card, and make three purchases of $10 or more each with either the physical or virtual card.  You must complete all the steps before November 14, 2022 8:59 PM GMT. 

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 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 Discover 5% Cash Back categories for this quarter: Oct-Dec = & Target.

The below 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, as well as a SUB, makes this a winner.

INCREASED OFFER:  Chase Disney  $250 or $400 bonus for $500/$1,000 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.  Plus, earn 5% cash back on combined gas station and grocery store purchases on up to $12,000 spent in the first year (that's an ADDITIONAL $600 cash back!). 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 spend within the first three months on the IHG Rewards Premier credit card or earn 80,000 bonus points with $2K spend on the IHG Rewards Traveler 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 on the specific offer you choose.  (the best offer is $8K spending for 100K UR points IMO)   Once you have a Chase Ink account, you can also receive 40,000 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 cards applicants MAY be able to be approved beyond 5/24, but 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:


Interactive Brokers  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 $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 and an easy sign-up process.  I had next day account approval.

M1 Finance $100 Referral Bonus  Open a new individual brokerage account, INITIALLY fund with $5,000, maintain for 30 days, and earn $100.  Note:  You only get one chance for initial funding.  No Chex/EWS, or hard pull credit check.

Moomoo Referral Link  Open a Moomoo brokerage account to earn up to 15 free stocks.  To earn your free stocks and cash reward, you must:

– Deposit $100+ via ACH or wire transfer to get 5 free stocks.  (or)

– Deposit $1,000+ via ACH or wire transfer to get 15 total free stocks.  (or)

Free stocks will be worth $2-$2,000 each, so at a minimum, that will be worth $30 ($2 x 15), but very likely you will have a few stocks that are higher. 

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 Summer promo terms can be found here.  I recommend signing up via a mobile phone to install the Moomoo app and allow the referral to track.  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, provided they follow-through with the promotion requirements.  Details here.  Please let me know if you have any questions!

WEBULL LIMITED TIME INCREASED OFFER:  Get up to 20 FREE Fractional Shares valued up to $60,000 by opening & funding a Webull brokerage account!  "Offer Period:  11/01/2023 0:00 AM ET-11/15/2023 11:59 PM ET"

GROUNDFLOOR  Real Estate Investing - Earn $100 for opening an account, linking your bank, funding the account with $1,000 and then invest at least $1,000 in closed, fully funded Groundfloor LROs or Groundfloor Notes.  The $100 in earned rewards must be invested as well before being eligible for withdrawal. 

NEW!  TiiCKER referral - Earn free gift cards for holding specific stocks at your linked brokerages.  Sign up and link any brokerage account holding individual stocks that has $100 in it for a free $11 Amazon or Visa gift card.  Plus, if you link an account with $50 or more of Amazon stock, you get a $10 Amazon gift card.  Must link your brokerage accounts to Tiicker via Plaid to earn your stock shareholder perks.

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 $50Caution:  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)

E*TRADE  A tiered bonus for opening an account when using my link.  The required deposit thresholds & bonus amounts are:

Various Money Tools

P2P & Money Transfer Apps

Wise   You get a free transfer of up to $600 by using my link (must be used on first transfer).  Formerly TransferWise, this account is useful for simulating Direct Deposits.  Cost is negligible, but depending on how you set up your transfer,  you do have to pay to Load, and then again to Send money via their service.  I am just learning how to use it myself, but on the first try, it worked to earn a $100 bank bonus at Juno for a total cost of less than $1.

Cash App  Great P2P payment app with a debit card and spending bonuses.  Signup with my link to earn a $5 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: MFJZLDP

PayPal $10 Bonus  Worth $10 for each of us.  New PayPal customers only.  Join and spend $5 using PayPal and we both earn $10.

Venmo $10 Bonus  Join Venmo and earn $10 for signing up after you make a bank- or card-funded payment of at least $5 within 14 days.

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 

Money Management Tools

Similar to, 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 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.

Prepaid Cards

Netspend Prepaid: Netspend Earn a $40 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 savings accounts, but you will likely only collect one $40 bonus.  Other Netspend Variants: Western Union, & ACE Elite have the same deal, but only a $20 bonus.

Crypto - Digital Currency - Wallets

OKCoin  Open an account, complete identity verification level 2, and receive $50 worth of BTC when you buy $100 crypto or more.  Stable coins like USDC count for the purchase.  Your BTC posts within a few days of your crypto purchase.

eToro  Get $30 for funding with $100 and doing $100 in crypto trades.  Also, you can earn $30 for each referral, up to 10.

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.

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

Payce App Earn up to 35% cash back both online and in-store on your everyday purchases!  Visa & MasterCard Only - No Amex - No Discover.

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.

RebatesMe  Get a $30 bonus with your first $10 of earning.


Rakuten (Ebates)  Get a $40 bonus when you spend $40.

Mr. Rebates

BeFrugal  Get a $10 bonus with your first $10 of earning.

MaxRebates   Get an up-to-$50 bonus when you spend at least $25.

Capital One Shopping  Get a $50 bonus when you spend $10.

Price. com  Get $5 when you make your first purchase.

FREE REWARDS PROGRAMS -  Membership is free, but some optional offers are not free and require a purchase.

Inbox Dollars  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 like Varo, etc.

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.

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.


Fluz App  Great app for saving a few dollars on instant gift cards & good for some couch manufactured spending.  Some Fluz retailers sell $200 digital MasterCard gift cards with no fee.  Depending how you choose to pay, you can earn 3% cashback via ACH, or if you use a credit card, it will be counted as a purchase on 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.  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.

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.

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 in the upper right after each code:  

A2DJC (My Referral Code) - 20 cents/gallon on 1st 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.

SHOPPERS35 - 35 cents/gallon on next two fill-ups.

PERKSATWORK230 - 30 cents/gallon on next fill-up.  (added 4/30/2023)

USHIP35 & UBER35 may work for some users, but not always.


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, and your first month is free, $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 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.

NordVPN  Arguably the world's best VPN provider with the most 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.

Visible Mobile Phone Service  If you're a heavy data user, you can get unlimited data at a decent price with Visible.  I'm using the $30 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, 3NPQGFL, you’ll get your first month of service for $20-off!

Military - Veterans - First Responders

VetTix  Free tickets to concerts and other events - verified U.S. Military vets only.

1st Responder Tix  Free event tickets for EMT, Firefighter, Police/LE, 911 personnel, and (RECENTLY ADDED) Nurses!  👨‍⚕️👩‍⚕️