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. 🕵️♂️
Easiest money of the day! WEBULL LIMITED TIME OFFER: Get up to 12 FREE Fractional Shares valued up to $30,600 by opening & funding a Webull brokerage account.
Bank Accounts - P2P - Prepaid Cards
Banks & Credit Unions (Brick & Mortar)
VyStar Credit Union is offering a $175 bonus plus $25 if referred. They post the $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 states are FL & GA, but they also open accounts for active & retired military nationwide, and family members of current credit union member too. Just send me an email (email@example.com) with your first & last name, and the email address you will use to open the account.
Sweet! 💰 Affinity 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. 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.
Highly recommended! 👍 Fairwinds Credit Union Checking $100 Bonus You get $100 to open a spending or checking account & do a Direct Deposit of $200 within 45 calendar days of opening. My account is active and in good standing. This is a Nationwide offer! Does pull Chex, but not inquiry-sensitive. No hard-pull, no EWS. You can also earn 3% APY on the first $1,000 with the Emergency Savings account.
Associated Bank $300 Business Checking Bonus (You can register for the referral online, but you must open the account in 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:
Enroll in Associated Connect® or Associated Bank Digital Banking, AND
Complete five (5) or more customer-initiated transactions (Debit card transactions excluded)
Regions Bank Referral This $50 bonus stacks with their $200 checking promo (currently available here). 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 new or unused email address on the referral form as well as on the new checking account. The email addresses must match.
Chase You earn $200 for opening a checking account and setting up direct deposit (no minimum DD mentioned). Bonus pays out within days from the direct deposit. Pulls EWS, but not Chex.
Delta Community Credit Union 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, locals only now, or family members of existing members. Expires 12/30/22.
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: firstname.lastname@example.org Please provide the email address you will use to open the account.
Service Credit Union Nationwide offer - Does pull Chex, but no hard pull or EWS pull. You earn a $100 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 12/31/2022. You can also earn 5% APY on the first $500 in your Primary Savings, and 3% APY on your first $3,000 in the Holiday Club Savings. If you prefer, contact me directly and I will enter the referral manually. I just need first name/last name and email address you will use to open the account. Email me: email@example.com
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 IA, IL, IN, KS, MI, MN, MO, OH and WI, or past customers.
Redstone Federal Credit Union (Limited to these states for the promo: AL AR FL GA IL IN KY MI MO MS NC OH PA TN VA WV) Earn a $50 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 12/24/2022. 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.
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. The initial value in the account is the credit card funding. $2,000 per application, and they accept Visa, MasterCard, American Express, and Discover. I recommend opening the Share savings account, then opening the checking account on a new application 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. Just send me an email (firstname.lastname@example.org) 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 to the existing customer for referring a new GTE member, 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.
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. (Nationwide w/ nominal fee, but marginally Chex-inquiry sensitive)
Hybrid "Neobanks" (online-only, usually provide a debit card, usually no check-writing, etc.)
Hot! 🔥 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 $100 bonus. Nationwide, no Chex/EWS or Hard pull, but no CC funding.
Albert Open an Albert account, Direct Deposit $500+ every 30 days for 90 consecutive days, spend $200+ on goods or services with the debit card every 30 days for 90 consecutive days, and earn a $100 bonus. Only deposits that Albert verifies as legitimate will qualify to unlock the bonus. Nationwide, no Chex/EWS or Hard pull, but 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. Nationwide, no Chex/EWS or Hard pull, but no CC funding.
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. Referral Code: JEFFREYS997 (Possibly stackable with other portal offers like Swagbucks and MyPoints)
GO2Bank Open an account and Direct Deposit $200+ within 45 days to earn $50. Nationwide, no Chex/EWS or Hard pull, but no CC funding.
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. Nationwide, no Chex/EWS or Hard pull, but no CC funding.
Nearside Business Checking $50 Bonus Open an account, spend $100 on the debit card in your 1st month, and earn a $50 bonus. Nationwide, no Chex/EWS or Hard pull, but no CC funding.
Novo Business Checking $40 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. Stacks with Revenue Universe on Swagbucks/MyPoints etc. Simple signup, but do expect to have to come up with a 120 character description on what your business does, who it's customers are, and how it makes money.
Juno Finance $10 Get $10 for funding your crypto wallet account with $50 by using a referral link You may also get a $50 bonus on your first Direct Deposit of $250 or more, however I have not tested if these two offers stack. Currently they are offering 5% APY interest on your checking account balance up to $10K, and 3% APY up to $250K. The 5% Cashback on debit card spend is probably its most attractive feature, easily triggered by MS purchases at Walmart or Kroger, etc. Limit of $300 normally, or $350 cashback, if targeted
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 JEFFREY27. Nationwide, no Chex/EWS or Hard pull, but no CC funding.
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 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: PDX5MXF
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 https://g.co/payinvite/bq7v768
Money Management Tools
Similar to Mint.com, 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. Occasionally they offer a targeted bonus of $100 or $200 via mail or pop-up ads in your online login, but 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 phonecon & PowerPoint presentation sales pitch at a later date. If you want to get targeted for that promo, I recommend linking at least $250K of investments and/or liquid funds, as that is the minimum amount they want to take control of to earn "x number of free months" of investment management.
Netspend Prepaid 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 in spending, of course. This is a no annual fee card.
Discover 5% categories for this year:
Oct–Dec: 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.
American Express Card Referral Any Amex card.
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.
All Chase personal cards are subject to 5/24 rules.
SoFi Loans: Get $300 for refinancing your student loan, or $300 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 $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.
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.
Binance They recently revamped their referral program and removed the signup bonus. I'd recommend waiting.
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, easy sign-up process. I had next day account approval.
Hot! 🔥 WEBULL LIMITED TIME OFFER: Get up to 12 FREE Fractional Shares valued up to $30,600 by opening & funding a Webull brokerage account!
Moomoo Open an account to earn up to 10 free stocks…
– Open a brokerage account to get 1 free stock worth $3-$2,000.
– Deposit $100+ get 1 free stock worth $8-$2,000.
– Deposit $2,000+ to get 3 additional stocks worth $8-$2,000 each.
Additionally, complete a net deposit of $100 or more during the promotion period and you will receive 5 chances to draw for a free stock from $BB / $AAPL / $AZO.
After receiving your free stocks, you need to maintain your average assets of $100 or more for 60 days to unlock the stocks ("Assets" includes cash and securities positions).
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 $5 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.
M1 Finance Open a new individual account, fund with $100, maintain for 30 days, and earn $10.
TradeUP Open a new live trading account and earn one stock worth at least $10. Fund your account with a qualifying initial deposit of $1000 or more and receive a free stock worth at least $50. Caution: You only get one opportunity to do an initial funding - do not break it up into smaller deposits.
GROUNDFLOOR Real Estate Investing - Earn $50 for opening an account, linking your bank, funding the account with $100 and then invest at least $100 in closed, fully funded Groundfloor LROs or Groundfloor Notes. The $50 in earned rewards must be invested as well.
Concreit Real Estate Investing - Open an account, invest $1, and earn $10 in "Reward Fee Waiver", not cash.
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. Apparently now you are forced to call to open the account via referral. Use code: REFER6ZJXD
$5,000–$19,999 will receive $50
$20,000–$49,999 will receive $100
$50,000-$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 $3,500
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 $30 bonus when you spend $30.
BeFrugal Get a $10 bonus with your first $10 of earning.
MaxRebates Get an up-to-$50 bonus when you spend at least $25.
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.
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.
Sam's Club Use my link to earn a $20 Gift Card. May be stacked with other Sam's membership promotions, however, YMMV.
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 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/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.
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. 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 the utilities 5% category 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