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I am 25 years old, made $87,000 last year and expect to make $104,000 this year, live in Minneapolis, and work as a Data Analyst / Data Scientist.

Note: I’m not a citizen, but I’ve been living in the US long enough to be considered a resident alien for tax purposes. On my visa, I cannot work any job that’s not directly related to my major in grad school (IT/computer science), but I can invest in the stock market.

Section One: Assets and Debt

Net Worth: from -$13,603.63 (Jan 2020) to $9,605.97 (Jan 2021)
Retirement Balance: $16,000 in my 401(K).
I only started working 2 years ago and my company messed up my registration so they basically didn’t put any money into it my first year there (I found out in horror and they gave me around $1,000 to say sorry…). I contribute 9% and my company matches 3%.
Savings account balance: $2,500
I have $2,500 set aside as my “emergency fund”, and I’m building back my vacation & study abroad budgets after having to tap into them for a move. My job is very stable and I won't be let go any time soon (unless I quit myself) so I’m not setting aside a big emergency fund for now.
Checking account balance: $3,111.01
Investment account: $1,500 in some stocks.
I initially dumped half of my 2019 bonus and some monthly contributions (totaling around $4,000) to this account to test strategies. This was my “study fund” and I didn’t care if I’d lose it all. I grew the account to around $10,000 and withdrew almost everything (that went to all the fees I had to pay to break my lease, my brother’s lease, deposit, moving expenses, and new furniture) and left $1,500 worth of stocks in there right now.
Credit card debt: $2,243.76 on my BestBuy card and PayPal Credit.
I had the money to pay for the items in full but they offered X months interest-free and I wanted to throw money into my debts instead. I always pay off all balances well before the deadline. I also pay all my credit cards in full and have never paid any interest.
Student loan debt: $11,046.09 left on my $20,000 loans at 8% for my BA in Biology and Statistics. Day 1 of arriving in the US, they sat us down, handed each of us a pen, and said hey kids here are the terms of your 8% loans, sign the documents now! I just turned 17, didn't even know I had to pay this money back, and remembered thinking "Is 8% a lot?" That's how clueless I was.
As a non-citizen, I will never have them canceled, so my plan was to tackle this as soon as possible and I started paying more aggressively until they made it 0% interest since Q4 last year.
Car loan: $4,900 left on my $10,000 loan at 8.9%. I didn’t have a long credit history when I bought the car (September 2019) since I only got my first credit card after graduation, so the rate was terrible. I’m planning to pay this all off after my bonus comes in March.

Section Two: Income

Income Progression:
2012 - 2016: I had multiple student on-campus jobs all throughout my undergrad, making from $7.25 to $10/hour. After graduation, I couldn't find any job directly related to my majors within 3 months (I had only been searching for Bio lab work), ran out of money, and had to go back home. Honestly, I didn't want to keep doing science either and was very lost back then.
2017: My first full-time job was being a tutor for a private college prep institution when I went back to my home country to “figure out what I wanted to do with my life.” They paid pretty well for the standards of living there ($1,000/mo). I worked that job while self-studying how to code and data science courses on the side and preparing my grad school applications.
2019: I got a job at my current company a semester before I graduated from my MS in Data Science program. This was my first “big girl job.” I started out at $64,000 and couldn’t work for 2 months due to complications in my visa processes so that ate up all my savings that year. By the end of the year, they bumped my salary up to $76,000 and we also had an annual 3% raise, so in total $78,280 + 5% bonus.
2020: One of my teammates left and one thing led to another, I got a title change from Data Analyst to Data Scientist towards the end of the year. I asked for a raise and they bumped it to $96,000 + 5% bonus.
2021: After our annual 3% raise my salary is now $98,880 (+ at least 5% bonus). I think I’m slightly underpaid, but this job is very low-stress and flexible (especially after we WFH).
Main Job Monthly Take Home: $5,082.58
Taken from my last paychecks (before the annual raise)
Gross salary: $8,000
Tax: $2,081.68
401(k) deduction: $720
Health insurance: $115.74

Section Three: Expenses

Rent & renter’s insurance: $935 for my share for a 2bed/3bath condo. My parents pay a flat $700/mo for my brother’s share. He recently moved here since his school went virtual until at least the end of this semester and our family wanted us to be nearby to take care of each other.
Savings contribution: $900
Investment contribution: $420, but will increase once my car loan is paid off.
Debt payments:
Car insurance: $127.01 ($762.05 paid in full every 6 months)
Car registration: $25 ($300 annual)
Donations: $20 monthly (ASPCA), plus several hundreds throughout the year (last year I donated to BLM orgs and local animal shelters)
Gas: $0. I drive an electric car. Charging probably drives up my electric bill by a bit, but still cheaper than gas. Also, this means no car maintenance at all until my car battery dies, which probably won’t happen in the next 5 years.
Utilities (electric, natural gas): ~$150
Wifi: $40
Cellphone: $10.61 ($108.66 for 6 months and I got a $45 credit from my bank)
Groceries: $500 (for 2 people)
Subscriptions: $20 (HP Ink, shared Netflix account, YNAB, Disney+)
Pet expenses: ~$20 for wet cat food
Personal care/hobby: I collect perfumes. Between makeup, skincare, clothes (which I had planned to stop buying this year) and perfume bottles and samples (the majority of my "personal care" expenses...), I averaged $400/mo last year. Without the makeup, skincare and clothes, I budget $150/mo this year for my fragrance hobby.
Household supplies: $30
Education: $30 (language/technical textbooks, Udemy/Coursera)
Gifts: $30
Credit card fee: $21 ($250 annual)

Section Four: Background

Was there an expectation for you to attend higher education? Did you participate in any form of higher education? If yes, how did you pay for it?
Education is one of the top priorities in our household and this has been instilled in my mind since I was a kid. Perhaps because my grandparents were both professors and my parents both attended grad school, it was expected of us to have at least a bachelor's degree. With that said, my family tried to support our higher education financially as best they could and I'm very thankful for it. During undergrad, I had need-based financial aid and on-campus jobs, and my parents helped with the rest of my tuition. I still had to take (required by the school) a $20,000 loan. My grandmother helped pay for my 2-year master's program.
Growing up, what kind of conversations did you have about money? Did your parent/guardian(s) educate you about finances?
During high school, I had a measly weekly allowance and my dad had me write out all the transactions in a notebook. I thought it was very silly back then but now thinking back, it was probably some good practice. Other than that, they didn't talk about money at all, and I was absolutely clueless and wasn't interested in personal finance until a couple of years ago. I don't remember how but I think I woke up one day and decided to read every book about personal finance I could find and now I do talk with my dad about finances.
What was your first job and why did you get it?
My first job was washing dishes as a student worker! We all had to do it our freshman year before we were allowed to find other jobs. I managed to find 3 other jobs (stage crew, sports event worker, and math tutor) and stayed with all of them for 3 years.
Did you worry about money growing up?
Even though our parents never let on to us about their finances, they made sure that we'd grow up comfortable financially, so I didn't worry because I didn't know anything.
Do you worry about money now?
Yes. As I grew up, I came to learn more about my parents' financial situation and realized that they've sacrificed a lot for us. I had the majority of my college tuition supported by the school, but my brother doesn't, and tuition in the US isn't cheap, especially when you convert it to our local currency. I also never know for how long I can stay in the US and keep making the same kind of money I'm making now so I'm trying my best to pay down the student loans ASAP.
At what age did you become financially responsible for yourself and do you have a financial safety net?
I became fully financially responsible for myself when I started working at my current company. Before that my student worker jobs paid for my personal expenses in college but my parents still chipped in for tuition. I guess my family back home is my safety net but personally, I wouldn't ask them for help even if bad things happen to me in the future.
Do you or have you ever received passive or inherited income? If yes, please explain.
Nope.

Diary

Day 1 (Thursday) - $3.35
Day 2 (Friday) - $206.24
Day 3 (Saturday) - $71.27
Day 4 (Sunday) - $0.00
Day 5 (Monday) - $40.10
Day 6 (Tuesday) - $8.02
Day 7 (Wednesday) - $3.49

Summary

​
Category Amount Note
Food & Drink $95.99 Groceries
Fun / Entertainment $7.52 Disney+ subscription
Home & Health $0.00
Clothes & Beauty $206.24 Perfume samples
Other* $22.72 Shipping labels
Total $309.75 shipping labels not included
*I don’t count the shipping labels as expenses because they’re already factored into the profits I made from my sales, but I included them anyway because they're still charges on my accounts. Any profit goes back to funding my album purchases so... I guess it's a vicious cycle.
Overall, a pretty normal week for me in terms of food. I don’t eat out often (I allow myself only one meal and one dessert every month) and have used up my 1 dessert allowance this week so I probably won't have any more this month. I might’ve gone overboard with the perfume purchases this week, but tbh perfumes bring me joy. My mood is lifted and I'm transported to old and new places every time I put on a perfume that I enjoy, so for me, it’s worth it. I try to be frugal whenever I can, but I'll never skimp on education and hobbies that make me happy. Writing this week-long diary, I realize I need to get back to working out, though. I'll probably have to stop procrastinating and pull out my RingFit gears still inside the moving boxes. Playing Just Dance also makes me miss dancing so bad as I used to be active in several dance crews since college (but stopped after I started working full time). I'll try to stick to Just Dance for now to get my cardio until Covid is over and I can get back to in-person dance classes.
submitted by thr0waw4y1210 to MoneyDiariesACTIVE [link] [comments]

Bank account bonuses expiring at the end of this month / year - December 2020 (BIG LIST)

Big list this month given the end of a year is a nice round deadline. Let me know if any expired early or if we missed any.
Source: https://everybankbonus.com Note - I trimmed some descriptions to fit the max char. count
Personal
[IN] Advance Financial Federal Credit Union Checking with Direct Deposit ($160) - Open a new checking account to get a $50 bonus. Register for and use online bill pay to get an additional $50. Sign up for direct deposit to earn $50. Sign up for eStatements and like the credit union's Facebook page for a final $10 bonus. Total bonus potential of $160. Exp Dec. 31, 2020 https://advancefcu.org/promotions/checking-promotion/
[TX] A+ Federal Credit Union Cash-Back Checking/Membership Savings ($50) - Use promo code 2020COM50: Receive a $10 bonus after opening your Membership Savings account. Receive a $40 bonus when you receive $800 or more in direct deposits each month within 60 days. Exp Dec. 31, 2020 https://aplusfcu.org/com50/
[Nationwide] American Airlines CU Checking ($100). - All active or retired airline employees and their family members can open a new checking account and earn $25 for each of the following activities within 60 days of account opening: complete $25+ in debit card spending, receive $250+ in direct deposits in the first two months, enroll in eStatements, and download the American Airline Credit Union mobile app. Exp Dec. 31, 2020 https://www.aacreditunion.org/banking/checking/checking-promo/
[AZ] Arizona Central Credit Union Checking ($200). Exp Dec. 31, 2020 https://www.azcentralcu.org/other-offers/special-member-offers/new-member-account-opening-promotions
[Nationwide] Bank of America Advantage Checking ($100). - Use promo code PSR100CIS: set up two $250 direct deposits within the first 3 months to get a $100 bonus. Exp Dec. 31, 2020 https://promo.bankofamerica.com/chooseyourchecking1/offe
[Nationwide] Bank of America Checking *TARGETED* ($300). - Set up $4,000 in cumulative direct deposits within the first 3 months to get a $300 bonus. Exp Dec. 31, 2020 https://promotions.bankofamerica.com/offers/2020 t33004k
[ME, NH, VT] Bar Harbor Bank & Trust Simple Checking ($100) - Request the coupon by filling out the form and click on ‘Email Me My Coupon’. Bring the coupon into a branch and open a new Simple Checking account. Complete a $250+ direct deposit by February 28, 2021 to earn a $100 bonus. Exp Dec. 31, 2020 https://www.barharbor.bank/checkingbonus418
[ID, OR, WA] BECU Checking and Savings ($200) (Seahawks Teammates) - Open a checking and savings accounts using promo code TEAMMATES200 during application. Within 60 days, complete 10 debit card transactions to earn a $200 bonus. Exp Dec. 31, 2020 https://www.becu.org/Partners/seahawks-teammates
[IL] Beverly Bank Total Access Checking ($300). - Beverly Bank subsidiary: open account with $100, enroll in ebanking and estatements, and complete 2 monthly direct deposits of at least $500. Exp Dec. 31, 2020 https://www.thebeverlybank.com/lp/2019/values.html
[OH] BMI FCU Free Checking ($150). - Enter promo code CHECK20 when applying online or in person. Sign up for eStatements and make 30 debit card transactions over $5 to get a $150 bonus. Exp Dec. 31, 2020 https://www.bmifcu.org/free_checking.html
[MO, OK] Central Bank Checking ($150, $250) - Open a checking account using promo code C150CM20 / C250CM20 and a $50 opening deposit. Within 90 days, complete 2 or more direct deposits for a $150 bonus. Exp Dec. 31, 2020 https://www.centralbank.net/150/ https://www.centralbank.net/get250/
[Nationwide] Chime Bank Referral Promotion ($75) – Get a $75 bonus when you have one direct deposit of at least $200 within 45 days of account opening. Exp Dec. 31, 2020 [Ask a friend for link]
[CA, IL] Citizens Equity First CU Checking ($125, $175) - Req's vary by bonus typeExp Dec. 31, 2020 $125 - https://www.cefcu.com/promos/checkingbonus $175 - https://www.cefcu.com/promos/specialpricing
[PA] Clearview FCU Basic or Absolute Checking ($300, $400, $500) – DD and Savings requirements vary by bonus. Exp Dec. 31, 2020 https://www.clearviewfcu.org/500-Offer
[IA] Collins Community CU Advantage Checking ($100) - Open a checking account with $50. Set up direct deposit within 60 days to receive a $100 bonus. Exp Dec. 31, 2020 https://www.collinscu.org/promotions/open-a-new-advantage-checking-account-and-get-a-100-bonus
[KS, OK] Communication Federal Credit Union Paycom ($100). - Use promo code PAYCOM, and within 90 days enroll in eStatements, receive direct deposits totally $1,500, and make fifteen debit card purchases of at least $5 to get a $100 bonus. Exp Dec. 31, 2020 https://www.comfedcu.org/paycom/
[KS, MO] CommunityAmerica CU Chiefs Checking ($150) - Open a Chiefs Checking checking account. Within 45 days: provide your email address, enroll in eStatements, and set up a direct deposit of at least $250 to earn a $150 bonus. Exp Dec. 31, 2020 https://www.communityamerica.com/chiefs-checking-special-offer-disclosures
[FL] Community First Credit Union Free Checking ($100) (UNF) - Students, faculty or staff of University of North Florida are eligible to earn a $100 bonus. All you need to do is open a free checking account, which requires a $25 opening deposit and $5 to become a member. Exp Dec. 31, 2020 https://www.unf.edu/Redesign1.aspx?id=75162083797
[FL, select counties] Community First CU Checking ($210) - Use promo code "CHK2020": set up a new debit card in the Save My Change Program to get a $25 bonus, set up a monthly direct deposit within the first month to get a $125 bonus, refer friends and family to get a $25 bonus, let the CU try to save you money on an auto loan or credit card to get a $25 bonus, and set up 2 automatic bill payments within the first month to get a $10 Amazon gift card. Total potential bonus of $210. Exp Dec. 31, 2020 https://info.communityfirstfl.org/free-checking-accounts
[KS] Credit Union of America Core Checking ($300) (Educators) - Open a Core checking account to earn a $100 Amazon gift card. Within 90 days complete a direct deposit of $500 or more to earn a $200 bonus. Exp Dec. 31, 2020 https://www.cuofamerica.com/Resources/Educators
[MA, RI] Dedham Savings Bank Checking w Billpay ($250). - Set up 2 direct deposits amounting to $1,000 and complete 2 online bill payments both within the first 2 months to get a $250 bonus. Exp Dec. 31, 2020 https://www.dedhamsavings.com/switch
[DC] Department of Labor FCU Checking (Up to $200). - Set up a $500 direct deposit within the first month (45 days) to get a $100 bonus. Complete 10 debit card purchases within the first 2 months to get an additional $100 bonus. Total potential bonus of $200. Exp Dec. 31, 2020 https://www.dolfcu.org/join-dolfcu/
[PA] Dollar Bank Everything Checking ($400). -Open an Everything checking account and receive a $100 reward after making $1,000 or more in direct deposits within 90 days. Receive an additional $100 after receiving $5,000 in direct deposits within 90 days of account opening. Finally, receive $100 within 2 months of the 1-year anniversary of your account opening. Exp Dec. 31, 2020 https://www.dollar.bank/Ads/$400-Checking-pa
[VA] Dollar Bank Great Checking ($400). - Open a Great checking account and receive $5,000 or more in direct deposits within 90 days to receive a $300 bonus. Keep account open for 1 year to receive an additional $100 bonus. Exp Dec. 31, 2020 https://www.dollar.bank/celebrate
[IN] Dyer Bank Statement Savings ($200) -Open a Statement Savings account. Maintain a $15,000 balance for the 3 consecutive calendar months following the calendar month your new account is opened to earn a $200 bonus. Exp Dec. 31, 2020 https://www.dyerbank.com/community.html
[IN] Dyer Bank Total Access Checking ($300) - Open account with $100, enroll in ebanking and estatements, and complete monthly direct deposits of $500 or more for two consecutive months. Exp Dec. 31, 2020 https://www.dyerbank.com/community.html
[IL] Elgin State Bank Cubs Checking ($300). - Elgin State Bank subsidiary: open account with $100, enroll in ebanking and estatements, and complete 2 monthly direct deposits of at least $500. Exp Dec. 31, 2020 https://www.elginstatebank.com/personal/banking-and-borrowing/checking/cubs-checking.html
[CO] ENT Credit Union Checking ($200). -Open a new checking account at the Twenty Mile Service Center or Cottonwood Service Center using promo code PARKER. Activate your debit card and make a deposit of $100 or more to receive a $200 bonus. Exp Dec. 31, 2020 http://www.parkerchamber.com/hotdeals/info/ent-credit-union-200-new-member-offer-01-19-2020
[CO] ENT Credit Union Checking ($200) [Available for all locations] - Open a new checking account, activate your debit card and make a deposit of $100 or more to receive a $200 bonus. Exp Dec. 31, 2020 https://www.ent.com/get200
[FL, GA, IL, IN, KY, MI, NC, OH, TN, WV] Fifth Third Bank Checking ($250) - Open a checking account after requesting your bonus promo code using the offer link below. Within 60 days, complete direct deposits totaling $1,000 or more for a $250 bonus. Exp Dec. 31, 2020 https://www.53.com/content/fifth-third/en/mkg/checking-offer.html#disclosures
[MN] Firefly Credit Union Checking ($250). - Use promo code GET250 and open a free checking account. Within 60 days, receive 2 or more direct deposits totaling at least $2,000 and complete 20 debit card purchases totaling at least $300 to receive a $250 bonus. Exp Dec. 31, 2020 https://www.fireflycu.org/Landing-Pages/250checking
[WA] First Financial Northwest Bank ($300) (Pierce County) - Visit one of the 2 First Financial Northwest Bank locations in Pierce county. Open a First Checking account, Enhanced Savings account, Premium Money Market account, and a CD to earn a $300 bonus. Enhanced Savings account requires a linked checking account that receives $250 in direct deposit or more each month. Exp Dec. 31, 2020 https://www.ffnwb.com/fall-promo/
[FL] First Home Bank Checking ($250) (Crunch Fitness Members) -Have an active Crunch Fitness membership and set up a monthly direct deposit to get a $250 bonus. Exp Dec. 31, 2020 https://www.firsthomebank.com/crunchoffe
[IL, IN, OH] First Merchants Advantage Checking ($100, $200, $400). – DD and debit card req’s vary. Exp Dec. 31, 2020 https://www.firstmerchants.com/muncie
[NM] First National 1870 Checking ($200) - Open a new personal checking account (Convenience, Spend & Sign & Save, Elite, Superb, Premier). Complete $500 in ACH credits or debits and complete 20 debit card purchases within the first month to get a $200 bonus. Exp Dec. 31, 2020 https://www.firstnational1870.com/Welcome200
[IA, NE] First Nebraska Credit Union Checking ($25, $75). -Set up a direct deposit, complete 10 debit card purchases, and enroll in estatements within the first 2 months to get a combined $75 bonus. Exp Dec. 31, 2020 https://firstnebraska.org/news/checking-promo-2020 /
[IL] First Northern Credit Union Checking/Savings ($210) - Open a checking and savings account using promo code BD2020. To earn the $210 bonus, you must direct deposit $250 bi-weekly into the checking account and $100 bi-weekly into the savings account. Each successful checking direct deposit will earn you a $25 bonus (maximum 6 within 90 days of account opening) and each savings direct deposit will earn you a $10 bonus (maximum 6 within 90 days of account opening). Total bonus of $210. Exp Dec. 31, 2020 https://www.fncu.org/specialoffe?scpage=1&scupdated=1&scorder=-click_count
[NY] Five Star Bank Checking ($150, $250 for Premier account) - Open an account and set up direct deposit 60 days from the last day of the month the account was opened to get a $250 bonus. Exp Dec. 31, 2020 https://www.five-starbank.com/banking/personal-banking/checking
[MN] Great River FCU Checking ($100) -Use promo code "St. Cloud Rox" and open a checking account. Within 60 days, complete one of the following: Set up direct deposit OR complete 5 debit card purchases to receive a $100 bonus. Exp Dec. 31, 2020 https://www.greatriverfcu.org/rox/
[AL, FL, LA, MO, TX] Hancock Whitney Bank Access Checking ($100) -Enter your email address on the form, and receive a promo code. Bring the promo code to your nearest financial center. Set up and receive a qualifying monthly direct deposit of at least $250 within 90 days to receive a $100 bonus. $20 service charge if account is closed within the 180 days. Exp Dec. 31, 2020 https://www.hancockwhitney.com/mychecking100ac-20
[AL, FL, LA, MO, TX] Hancock Whitney Bank Priority Checking ($300) -Use the link to get unique promo code. by 12/31/2020. By 2/28/2021, set up and receive a qualifying monthly direct deposit of at least $250 per deposit to earn a $300 bonus. Exp Dec. 31, 2020 https://www.hancockwhitney.com/mychecking300pc-20
[IA, MN] Home Federal Savings Bank Checking ($250). - Set up a $500 direct deposit within the first 2 months to get a $150 bonus. Register debit card with CardValet app to get a $50 bonus. Complete 15 debit card purchases via mobile wallet within the first 45 days to get a $50 bonus. Total potential bonus of $250. Exp Dec. 31, 2020 https://www.justcallhome.com/HighFive
[MI] Honor CU Kalamazoo Checking ($250) -Open a new Honor Benefits or Connect checking account with $25 minimum deposit. Add a direct deposit totaling at least $100 per month within 60 days of opening your new account. Bonus amount of $250 will be paid within 30 days of direct deposit requirement. Exp Dec. 31, 2020 https://www.honorcu.com/kalamazoo/
[IL] Hyde Park Bank White Sox Checking ($300). – Wintrust Bank subsidiary: Open account with $100, enroll in online banking, activate e-statements and have direct deposits totaling $500 each month for 2 consecutive calendar months after the calendar month your new account was opened. Exp Dec. 31, 2020 https://www.hydeparkbank.net/personal/banking-and-borrowing/checking/white-sox-checking.html
[Nationwide] Incredible Bank Chill Checking (1-Year Netflix Subscription, $203.40 Value) - College students are eligible to have their Netflix subscription reimbursed when they open a Chill Checking account. To be eligible for your Netflix subscription reimbursement, you must be 18+ and present a valid college student ID, have your Netflix subscription charged to your debit card, and make at least 5 debit card purchases each month. Exp Dec. 31, 2020 https://www.incrediblebank.com/chillchecking
[MO] Jefferson Bank Checking ($150) – Use promo code C150CM20 and open one of the following eligible accounts: MyChoice Checking, MaxMoney Checking, Free Checking, Preferred Interest Checking, or World Checking. Within 90 days complete 2 direct deposits to earn a $150 bonus. Exp Dec. 31, 2020 https://www.jefferson-bank.com/150/
[MO] Jefferson Bank Checking ($250) - Use promo code C250CA20 and open one of the following eligible accounts: MyChoice Checking, MaxMoney Checking, Free Checking, Preferred Interest Checking, or World Checking. Within 90 days complete 2 direct deposits that total $500 or more to earn a $250 bonus. Exp Dec. 31, 2020 https://www.jefferson-bank.com/250/
[NY] Jovia Financial CU Go Green Checking ($150) - Open a Go Green Checking account with a $100 opening deposit. Within 60 days, complete a direct deposit of $100 or more to earn a $150 bonus. Exp Dec. 31, 2020 https://www.joviafinancial.com/promotions#checking
[CA] LBS Financial Credit Union Checking ($100) - Open a checking account using promo code Marina2020. Within 60 days, set up a $100 direct deposit to earn a $100 bonus. Exp Dec. 31, 2020 https://www.lbsfcu.org/new-members/
[CT, MA, RI] Liberty Bank Student Checking ($100). - Complete 5 debit card purchases within the first 2 months to get a $100 bonus. Exp Dec. 31, 2020 https://www.liberty-bank.com/personal/banking/checking-accounts-debit-cards/student-banking
[IA] Linn Area CU Free Checking ($50). - Use promo code "50FORME": enroll in online banking and estatements to get a $50 bonus. Exp Dec. 31, 2020 https://www.linnareacu.org/promotion/get-free-checking-get-50/
[IA] Linn Area CU Free Checking w Direct Deposit ($50). - Use promo code "50FORME": set up direct deposit to get a $50 bonus. Exp Dec. 31, 2020 https://www.linnareacu.org/promotion/get-free-checking-get-50/
[MD] LM Federal Credit Union RegulaInterest Checking ($100) - Open a regular or interest checking account. Within 45 days, complete 5 debit card transactions. Within 30 days, complete a direct deposit of $500 or more to earn a $100 bonus. Exp Dec. 31, 2020 https://www.lmfcu.org/About-LM/News-Promotions/Promotions/Open-a-New-Checking-Account
[MO] Members First Credit Union Checking ($100) - Open a checking account and receive a $100 bonus after signing up for direct deposit, eStatements, and a debit card. Exp Dec. 31, 2020 https://townplannerstl.com/members-1st-coupons/
[MI] Michigan Schools & Government CU Checking ($200) - Open a Regular or Fresh Start checking account with $25. Within 60 days, sign up for eStatements and receive a direct deposit of $100 or more to earn a $200 bonus. Exp Dec. 31, 2020 https://www.msgcu.org/checking-offer
[AZ] Midfirst Bank Checking ($150) - Open a new checking account and complete two of the following three activities within 90 days to earn a $150 bonus: Set up a $250 minimum direct deposit, complete 10 debit card purchases, and complete three Zelle® transactions on the MidFirst Bank Mobile Banking App Exp Dec. 31, 2020 https://fe37157075640475711077.pub.s10.sfmc-content.com/0dbtkoz15gm
[AZ] MidFirst Bank Checking ($250) - Open a new checking account and complete two of the following three activities within 90 days to earn a $300 bonus: Set up a $250 minimum direct deposit, complete 10 debit card purchases, and complete three Zelle® transactions on the MidFirst Bank Mobile Banking App Exp Dec. 31, 2020 https://fe37157075640475711077.pub.s10.sfmc-content.com/zxvj5wjsju2?utm_campaign=vanity&utm_source=midfirst.com%2f%2flive250az&utm_medium=vanity
[NY] Mid-Hudson Valley FCU Checking ($200) - Use promo code GETAPPLE200 when opening a new account. Set up direct deposit of $500 or more within 60 days of opening account for a $200 cash bonus. Choose FREE CHECKING account for no fees. Exp Dec. 31, 2020 https://www.mhvfcu.com/$200-checking-offer
[CO, FL, MN, WI] MidWestOne Bank Power Checking ($225) - Power Checking account must be opened online using or redeemed in-person by presenting offer code at time of account opening. You will receive the $225 deposit into your Power Checking account within 15 business days once you have qualified for Power Checking rewards in one of the first three Power Checking statement cycles after account opening. Power Checking Qualifications: Have at least one direct deposit, automatic debit from a third party, or Online Bill Pay post and clear. Receive electronic statements. Have at least 15 Debit Card purchases post and clear. Exp Dec. 31, 2020 https://www.midwestone.bank/promotions/2020/power-checking-225
[WI] Monona Bank True Checking ($300) - Open a True Checking account with $100. Sign up for two of the following services: online/mobile banking, debit or credit card, bill pay, or other options. Set up direct deposit and complete 5+ transactions a month and your bonus will be deposited to your account within 90 days after you complete these steps. Exp Dec. 31, 2020 https://bloximages.chicago2.vip.townnews.com/madison.com/content/tncms/assets/v3/classifieds/9/9c/99c41ee2-3d83-5258-82d5-ab4c7ff1d803/5ee7fd75d935b.pdf.pdf
[IL] Old Second Bank Checking and Money Builder Savings ($200) - Use promo code EM2: get a debit card and enroll in estatements to get a $50 bonus. Earn a $100 bonus after completing two $500 direct deposits. Earn an additional $50 bonus when you meet both of the above requirements and open a Money Builder Savings account and deposit $5,000 within 90 days. Exp Dec. 31, 2020 https://www.oldsecond.com/personal-banking/200-checking-savings-special-em/
[MI] Our Credit Union Premium Checking ($100) - Matching deposit up to $100 for new Premium Checking account. Have at least one debit card transaction per month over 60 days. Must sign up for eStatements and complete a monthly direct deposit of $500 or more for 2 months. Must mention ad for matching deposit when opening. Exp Dec. 31, 2020 https://www.ourcuonline.org/join
[CA] Paradise Valley FCU Checking ($150) - Open a checking account with a debit card and make 5 debit card purchases within 60 days to receive a $100 bonus. Additionally set up and make at least 1 recurring direct deposit to earn another $50. Exp Dec. 31, 2020 https://www.paradisevalleyfcu.org/earn-100-dollars/
[PA] Pennsylvania State Employees CU Checking ($150). - Use promo code "FS150": set up a monthly $300 direct deposit within the first 3 months to get a $150 bonus. Exp Dec. 31, 2020 https://www.psecu.com/150
[NE, Beatrice locations] Pinnacle Bank Diamond Secure Account ($200) - Earn $50 for completing each of the following: open a NEW Diamond Secure Account, make two direct deposits, make at least 20 debit card purchases, open a NEW PinnSavings Account. Total bonus amount of $200 if you complete all four. Must be opened at on of the Beatrice Locations. Exp Dec. 31, 2020 https://bloximages.chicago2.vip.townnews.com/beatricedailysun.com/content/tncms/assets/v3/classifieds/f/ed/fed38a21-ce2c-5806-8010-bcf35ab3314b/5f04d447c6aa1.pdf.pdf
[Nationwide] PNC Virtual Wallet ($50, $200, $400)- Within sixty days of account opening, make cumulative direct deposits of at least $500 / $2,000 / $5,000 to get the bonus. Exp Dec. 31, 2020 https://www.pnc.com/en/personal-banking/virtual-wallet-overview.html
[FL, mainly Southern FL] Power Financial CU Checking ($100) - Set up direct deposit OR have an initial deposit of $500 to get a $100 bonus. Membership with the credit union required, as well as keeping the account open for 90 days. Must open a savings account as well. Exp Dec. 31, 2020 https://www.powerfi.org/about-us/important-member-information/promotions/
[IN] Purdue FCU Checking ($150) - Open a new checking account at the Crown Point branch or online with a Lake or Porter County zip code. Sign up for a debit card and eStatements. Make 10 member initiated transactions. Finally, make 2 direct deposits of $500 or more each within 90 days of account opening to receive a $150 bonus. Exp Dec. 31, 2020 https://www.purduefed.com/site/welcome-crown-point/checking-bonus/
[WI] PyraMax Bank Checking ($125) - Open new Personal Checking account with promo code 125FREE and receive a $125 bonus after making a direct deposit of $250 or more a month for the first 3 months after the account is opened. Exp Dec. 31, 2020 https://www.pyramaxbank.com/banking/checking/
[MA] Reading Cooperative Bank - Earn a $50 cash bonus when you open a personal checking account with $10 deposit and set up direct deposit. Earn another $50 cash bonus with you set up online bill pay. Exp Dec. 31, 2020 https://readingcoop.com/50-50/
[FL, IN, KY, TN] Republic Bank Checking ($100, $200). - Use promo code LX1/LX2: set up a $100 direct deposit within the first 3 months to get a $100 bonus. Complete 50 debit card purchases to get an additional $100 bonus within the first 3 months. Total potential bonus of $200. Exp Dec. 31, 2020 https://tech.republicbank.com/
[MA] Rockland Trust Bank Checking ($250) (Worcester Branch) - Visit the Rockland Trust Bank location in Worcester, Massachusetts and open a personal checking account. Within 90 days, have at least 4 deposits totaling $2,000 or more. These deposits do not have to be direct deposits. The bonus will be paid directly to your account by April 30, 2021. Exp Dec. 31, 2020 https://www.rocklandtrust.com/worcester-branch-now-open
[CA] SAFE Credit Union Checking ($150, $250, $400) - Open a Perfect Cents checking or Prestige checking account with $25. Make 30 debit card purchases within the first 90 days to earn a $150 bonus. Make three direct deposits of $1,000 each or more in the first 120 days to earn a $250 bonus. Total bonus potential of $400. Exp Dec. 31, 2020 https://www.safecu.org/Financially-Fit-Checking
[CT, DE, MA, NH, NJ, NY, PA, RI] Santander Bank Simply Right Checking ($225) - Enter email and name to get unique promo code: set up a cumulative $1,000 direct deposit within the first 3 months to get a $225 bonus. Exp Dec. 31, 2020 https://www.santanderbank.com/us/pages/personal/checking-accounts-acq
[FL] Seacoast Bank Premium Checking/Savings ($150, $250, $400) - Open a Premium Checking account with $50 and a Savings Account using offer code DM400. To earn the $250 checking bonus, complete a direct deposit of $500 or more within 60 days of account opening. To earn the $150 savings account bonus, deposit a total of $15,000 or more within 10 business days of account opening and maintain said balance for 90 days. Exp Dec. 31, 2020 https://www.seacoastbank.com/switchtoday
[WA] Sound Credit Union IRA Transfer Bonus ($100) - Transfer an IRA or roll over a 401k with a minimum balance of $25,000 to a new IRA with CUSO Financial Services within 45 days and get a $100 Visa gift card. Exp Dec. 31, 2020 https://www.soundcu.com/life-and-finances/open-ira-get-100/
[WA] Sound Credit Union Sound Checking ($150) - Open a Sound Checking account. Within 90 days, receive at least one direct deposit of $500 or more to earn a $150 bonus. Exp Dec. 31, 2020 https://www.soundcu.com/life-and-finances/theres-150-reasons-to-switch-to-sound/
[MN, WI] Spire Credit Union Free Checking ($100) - Open a Spire Free Checking account with an opening deposit of $100 or more. Set up an automatic payment or direct deposit and complete 6 debit card transactions within 60 days to receive a $100 bonus. Account must remain open for six months. $100 bonus will be deposited to the checking account upon account opening. Exp Dec. 31, 2020 https://www.myspire.com/about-spire/current-promos
[NY, OH, PA] S&T Bank Checking ($350) - Open a Preferred, Select, or Four Star checking account online to receive a $50 bonus. Sign up for online statements, deposit $500 to the account within 10 days, and make ten $10 qualifying debit card transactions to receive a $100 bonus. All accounts must maintain a $500 balance for the entirety of the bonus process to be eligible for any rewards. Finally, receive a $200 bonus for keeping the account active for 6 months. Exp Dec. 31, 2020 https://www.stbank.com/money-tree-promotion
[AZ, CO, KS, MO, NM, TX] Sunflower Bank Checking ($200) - Open a new personal checking account. Complete 20 debit card purchases AND have ACH credits or debits totaling $500 or more that all post to the account on or before 1/31/21. Exp Dec. 31, 2020 https://www.sunflowerbank.com/Welcome200
[Tom Green County, TX] Texas Trust CU Checking ($150) - Use promo code 8009: set up one $500 direct deposit OR make 10 debit card transactions totaling $100 within a 35 day period within 90 days after account opening. Your account must remain open with a positive balance. Exp Dec. 31, 2020 https://www.texastrustcu.org/MyBankLeftMe/
[MN, WI] Thrivent Federal Credit Union Rewards Checking ($200) - Open a Rewards Checking account using promo code 2020CHECKING and within 90 days complete the following activities: sign up for online banking, enroll in eStatements, make 20 debit card purchases. Direct deposit a minimum of $500 total to receive $100, direct deposit a minimum of $2,500 total to receive an additional $100. Exp Dec. 31, 2020 https://info.thriventcu.com/checking-bonus-2020
[MD] Tower Federal Credit Union Prime Share ($100) - Establish a membership with Tower FCU using promo code 100GPS20 and $100 will be deposited to your Prime Share account. Minimum balance to open is $5. Exp Dec. 31, 2020 https://www.towerfcu.org/the-tower-difference-100gps/
[WI] Town Bank Statement Savings ($200, $300) – Varies by account type. Exp Dec. 31, 2020 https://www.townbank.us/community.html
[ND] Town & Country CU Star Rewards Checking ($100). - Set up a $250 direct deposit within the first month to get a $100 bonus. Exp Dec. 31, 2020 https://www.townandcountry.org/content/star-rewards-checking-100-new-account-offer
[AZ] Vantage West CU Premium Rewards Checking ($200) - $100 bonus + 10,000 Rewards Points (a $100 cash value) for new Members who open a Vantage West Premium Rewards checking account, set up a $500 Direct Deposit within 60 days, and use their debit card once. Exp Dec. 31, 2020 https://vantagewest.org/get200/
[WI] Waukesha State Bank Checking ($100) - Open a checking account using promo code DDA100GEO20 and deposit at least $100 to receive a $100 bonus. Exp Dec. 31, 2020 https://www.waukeshabank.com/commyounity-testimonials-6
[CT, MA, NY, RI] Webster Bank Checking ($250 + $250 Donation) - Use the link to the offer below and open a WebsterOne Relationship Checking account. Within 90 days, complete a direct deposit of $500 or more OR complete 20 debit card transactions to receive a $250 bonus. Webster Bank will also donate $250 to the Hartford HealthCARES Colleague Assistance Fund. Use promo code $250WEBONE-HHC-HEROES Exp Dec. 31, 2020 https://public.websteronline.com/offers/hartford-healthcare-frontline-heroes
[CA] Wescom CU Checking ($250) - Open a Wescom Checking Account with a $100 deposit and maintain this balance for your first full calendar month after opening to earn a $100 bonus. Use your debit card at least twice a month for two consecutive months to earn $50. Finally, make a qualifying direct deposit of $500 or more for two consecutive months and get $100. Exp Dec. 31, 2020 https://wescom.org/welcome/?utm_source=wescomtogether2020 &utm_medium=socialads-500offer&utm_campaign=Grail
[OH] Westfield Bank Dream Big Checking with Savings ($100) - With $250, set up a monthly recurring direct deposit for a $100 bonus. Exp Dec. 31, 2020 https://www.westfield-bank.com/promo-switch-bonus
[IL] Wheaton Bank & Trust Total Access Checking ($300). - Wheaton Bank & Trust subsidiary: open account with $100, enroll in ebanking and estatements, and complete 2 monthly direct deposits of at least $500. Exp Dec. 31, 2020 http://wheatonbank.com/personal/banking-and-borrowing/checking/total-access-checking.html
[MN] Wings Financial CU Checking ($300) - Set up a $300 direct deposit, complete 5 debit card purchases of $5 or more, and enroll in estatements within the first 2 months to get a $300 bonus. Exp Dec. 31, 2020 https://www.wingsfinancial.com/300-checking
[IL] Wintrust Bank Northwestern Wildcats Checking ($300) - Open a Wildcats Checking account with $100. Have monthly occurring direct deposits totaling $500 or more for 2 consecutive calendar months after your account was opened and enroll in online banking and active e-statements to get a $300 bonus. Exp Dec. 31, 2020 https://www.wintrust.com/personal-solutions/bank-with-us/checking/northwestern-checking.html
[FL, IL] Wintrust Bank Bonuses ($200, $300)- Checking and savings bonuses, varies by account type and amount. Exp Dec. 31, 2020 https://www.wintrustflorida.com/community.html
[CA] Yolo Federal Credit Union Checking ($150) - Open a Simply or Student Checking account. Within 45 days, enroll in eStatements, make 5 or more purchases of $10 or more with your debit/credit card. Complete one of the following: have ACH or direct deposits totaling $500 or more, OR establish an aggregate loan relationship of $5,000 or more to earn a $150 bonus. Exp Dec. 31, 2020 https://www.yolofcu.org/accounts/checking/bonus-checking-offe
Business
(leaving out descriptions because of character count)
[MS, NC, SC, TN, TX, VA] First Horizon Bank BizEssentials Savings ($150) Exp Dec. 31, 2020 https://www.firsthorizon.com/sb150
[MS, NC, SC, TN, TX, VA] First Horizon Bank Business Checking & Savings ($300, $450) Exp Dec. 31, 2020 https://www.firsthorizon.com/landing/business/300-bize-checking-landing-bzd300
[Nationwide] HSBC Fusion Business Checking Bonuses ($200, $300, $400) Exp Dec. 31, 2020 https://www.us.hsbc.com/fusion/
[CT, MA, RI] Liberty Bank Business Checking ($100). Exp Dec. 31, 2020 https://www.liberty-bank.com/personal/promotions
[IL] Old Plank Trail Bank Entrepreneur Checking ($300) Exp Dec. 31, 2020 https://www.oldplanktrailbank.com/lp/2020/business-working-capital.html
[CT, DE, MA, NH, NJ, NY, PA, RI] Santander Bank Business Checking ($320) Exp Dec. 31, 2020 https://www.santanderbank.com/us/pages/business/bizcashbonus
[IL] St. Charles Bank Entrepreneur Business Checking ($300) Exp Dec. 31, 2020 https://www.bankstcharles.com/lp/2020/business-working-capital.html
[AL, AR, FL, GA, MD, MS, NC, SC, TN, VA, WV, DC] SunTrust Business Checking ($200) Exp Dec. 31, 2020 https://www.suntrust.com/lp/open-small-business-checking-account
[AZ] Vantage West CU Business Checking ($200) Exp Dec. 31, 2020 https://vantagewest.org/bus-getrewarded/
submitted by bankbonusphil to churning [link] [comments]

November Earnings Report - How I made £2,731.24 in November 2020

Hi Everyone,
Hope you all have a great November.
I wanted to follow up my October Earnings Report with an update as to how things are progressing with me using this subreddit to earn some Beer Money :)
Straight off the bat I would like to say a big thank you to everyone in this community that has helped me achieve a big month of Beer Money earning. I would like to say thanks to everyone that has clicked on one of my referral links this month, it is super appreciated!!!
This month's Beer Money far exceeded my expectations. November was my second full month of using Beer Money UK.
I am surprised but really pleased to have earnt £2,731.24 in November. Most of this has been from referrals to many thanks to all the BeerMoneyUkers that made this possible.
I am surprised again it was so high. I knew I was going to beat last month's £774.25, (I was hoping to double it), but I have exceeded my expectations. I think it again shows that every little helps. A big part of this months earning have been from Zumo. I think the best offers are the ones that d not require any deposits. This makes them accessible to as many people as possible. I have earned over £700 this month from Zumo alone.
Hopefully by letting people know how I managed to earn over £2,700 this month other people can put in place steps to earn similar. I Appreciate the economy is still rubbish and lots of people are being made redundant or having hours reduced. There are lots of people out there that could with a few extra pounds to make ends meet. I am happy to answer any questions anyone has. At the least i can tell you what has worked for me. Please feel free to ask on the comments below or DM me.
Last time I received a couple of comments asking me for the amount of time it took.
It took me 50-60 hours this month.
I started on this path as a way to make a bit of extra money due me having my hours per week reduced by 20 due to Covid. It was a bit scary thinking about how the bill were going to be paid. Now I am a lot more optimistic about things. I am quite enjoying working from home and doing things Beer Money related. I am not sure if this month will be a bit of a fluke. I am going to see how things go with December before setting some Beer Money UK goals / new year resolutions for 2021.
I am still pretty much exclusively making use of the sign up deals on this site. I have not done any of the remote work ones yet.
Please see below the table below showing where the Beer Money has come from. I have also added proof where possible.
A few points to note:
Some tips:
Here is a list of the Beer Money earning I received this month. I have totaled up how much someone would receive if they just signed up for everything and it is over £420 just in sign up bonuses.

November 2020 Beer Money UK Earning Report

​
Company / link to Reddit post Referral Link / Non - Referral Link Sign Up Bonus Required Min Purchase / Transfer Amount My Earnings *proof
Zumo Referral link / Non referral Use referral code: ABC123 £8.78 £0 £736.35 *
WorldRemit Referral link / Non referral £20 £100 £240
Bitwala Referral link / Non referral €15 €0 £230
Swissborg Referral link / Non referral €1-100 (Average ~€10) €50 £185.43 *
Metro Bank Referral link / Non referral £50 Pay in salary or £500 pm £150 *
Mode Referral link / Non referral £10 £100 £150
Curve Referral link / Non referral £5 £0 £125
Zelf Referral link / Non referral €5 €0 £115 *
Xendpay Referral link / Non referral €10 €100 £85 *
Twino Referral link / Non referral £15 £100 £60 *
Instarem Referral link / Non referral £10 £200 £51 *
Skrill Referral link / Non referral £10 £100 £50
Gemini Referral link / Non referral £8 £80 £50
Currency Fair N/A €50 €2,000 £45
Coinfield Referral link / Non referral £11 £100 (need to buy SOLO) £45
ViaInvest Referral link / Non referral €15 €50 £40 *
Vybe Referral link / Non referral £2 £0 £40 *
Luno Referral link / Non referral £10 £100 £37.94 *
Crypto Exchange Referral link / Non referral $50 £250 (5,000 staked in CRO) £37
October Referral link / Non referral €20 €500 £36 *
Bitpanda Referral link / Non referral €10 + €5 for quiz €25 £36 *
Celsius Referral link / Non referral $40 $200 £32 *
Tickr Referral link / Non referral £10 £5 £30 *
Easy Send Referral link / Non referral £10 for a referral £100 £30 *
InstaCoin Referral link / Non referral £5 £50 £25.38 *
BlockFI Referral link / Non referral Free Free £16 *
Wirex Referral link / Non referral $10 £80 £15 *
Verse Referral link / Non referral £4-5 £4 £14.14
Cash App Referral link / Non referral £5 £50 £10
Passfolio Referral link / Non referral $1-100 $25 £5 *
Oval Referral link / Non referral Referral code: KPN6NPYYU £5 £6 £5
Costa Coffee Referral link / Non referral Referral code: X8LOZ £3 £2-3 £4
Kriptomat Referral link / Non referral €10 €100 £0
Crypterium Referral link / Non referral $5 €50 £0
Transferwise Referral link / Non referral £75 for 3 referrals £200 £0
Quidco Referral link / Non referral £75 for 3 referrals £5 in cashback £0
TOTAL £2,731.24
​
Hope that is useful :)
Any questions just let me know.
submitted by TidyCompetition to beermoneyuk [link] [comments]

Bank account bonuses expiring at the end of this month (September / Q3)

As usual here are the bank bonuses expiring this month / quarter. Let me know if we missed anything.
Got these from https://everybankbonus.com
Personal
[OR] OnPoint Community CU West Salem Branch Checking ($300) - Request a coupon code using the offer link. Bring the coupon into the West Salem branch and open a checking account with $50 minimum opening deposit. Set up a $100 direct deposit within the first 2 months to get a $300 bonus. Exp Sept. 29, 2020 https://www.onpointcu.com/west-salem-branch-grand-opening/
[CA] 1st United Credit Union Rewards Checking ($100) - Open a Rewards Checking account using the promo code CAKE! and use your debit card to make a purchase 15 times within sixty days of account opening to receive a $100 bonus. Exp Sept. 30, 2020 https://www.1stunitedcu.org/cake
[PA] American Heritage Credit Union Free Checking ($200) - Quakertown Special: Set up a $500 monthly direct deposit and complete 25 debit card purchases within the following first 3 months to get a $200 bonus. Exp Sept. 30, 2020 https://americanheritagecu.org/revolution/free-checking
[AL, AZ, CA, CO, FL, GA, IL, KS, KY, MO, NV, NJ, NY, TX, VA, WA] Armed Forces Bank Access Checking ($100) - Open an Access Checking account with $25 and complete 12 debit card purchases and complete a direct deposit before 10/31/2020 to earn a $100 bonus. Exp Sept. 30, 2020 https://www.afbank.com/personal/accounts/checking/open-account-receive-100
Bank of America Savings *TARGETED* ($250) - Request enrollment in the offer from a Bank of America associate or by clicking the enrollment link in a direct communication. Open a savings account, within 30 days of opening deposit $20,000 or more, and maintain that balance for 90 days after the qualifying deposit period to earn a $250 bonus. Exp Sept. 30, 2020 https://promo.bankofamerica.com/ffq320olecash/
[AZ, FL, IL, IN, KS, MN, MO, WI] BMO Harris Platinum Money Market ($100/$200/$300) - Open a Platinum Money Market account with an opening deposit of at least $5,000. Deposit enough money to reach a $10,000/$25,000/$50,000 balance or more within the first 30 days. Beginning on the 31st day after opening your account, maintain this balance for 90 days to receive the bonus. Exp Sept. 30, 2020 https://www.bmoharris.com/main/personal/summer-checking/?COID=BMOP-027820-SEM650C
[AZ, FL, IL, IN, KS, MN, MO, WI] BMO Harris Premier™ Checking ($200/$350) - Have a total of at least $4,000/$7,500 in qualifying direct deposits within the first 90 days Exp Sept. 30, 2020 https://www.bmoharris.com/main/personal/summer-checking/?COID=BMOP-027820-SEM650C
[KY, OH] Cinfed Credit Union Checking ($100) - Become a member of the credit union and open a checking account using promo code GIVE5 with an initial deposit of at least $100 to receive a $100 bonus. Exp Sept. 30, 2020 https://www.cinfed.com/page/wlwt-days-of-giving
[IA] Collins Community CU Advantage Checking ($100) - Open a checking account with $50. Set up direct deposit within 60 days to receive a $100 bonus. Exp Sept. 30, 2020 https://www.collinscu.org/promotions/open-a-new-advantage-checking-account-and-get-a-100-bonus
[MD] Educational Systems FCU Checking New Employee Package ($300) - Set up a $700 monthly direct deposit and enroll in estatements to get a $300 bonus. Exp Sept. 30, 2020 https://www.esfcu.org/300BonusDividend
[AZ, CA, CO] eFirstBank Bloom Package ($300) - Open a new Bloom Package (includes Bloom Checking, Bloom Savings, Online Banking, eStatements, FirstBank Visa Debit Card). Enroll in online banking. Have at least one direct deposit of $500 or more for 3 consecutive months to earn a $300 bonus. The first required direct deposit ($500 minimum) must be made within 60 days of the open date. Exp Sept. 30, 2020 https://www.efirstbank.com/_jensen/pages/suns1910/suns.htm
[FL, GA, IL, IN, KY, MI, NC, OH, TN, WV] Fifth Third Bank Checking ($50) - Open a checking account after requesting your bonus promo code using the offer link below. Within 60 days, complete direct deposits totaling $2,000 or more for a $50 bonus. Exp Sept. 30, 2020 https://www.53.com/content/fifth-third/en/mkg/checking-offer.html
[NM] First National 1870 Checking ($200) - Complete $500 in ACH credits or debits and complete 20 debit card purchases within the first month to get a $200 bonus. Exp Sept. 30, 2020 https://www.firstnational1870.com/Welcome200
[AL, FL, LA, MS, TX] Hancock Whitney Bank Money Market ($100) - Enter your contact information to receive a unique promo code: Set up a monthly $250 direct deposit within the first 3 months to get a $100 bonus. Exp Sept. 30, 2020 https://www.hancockwhitney.com/mymma100-20
[AL, FL, LA, MS, TX] Hancock Whitney Bank Priority Checking ($300) - Use the link to get unique promo code and set up $250 monthly direct deposit to get a $300 bonus. Exp Sept. 30, 2020 https://www.hancockwhitney.com/mychecking300pc-20
[LA] Heritage Bank of St. Tammany Rewards Checking ($100) - Visit a branch and open a rewards checking account with $50 to receive an immediate $100 bonus. Exp Sept. 30, 2020 https://www.heritagebank.org/personal-banking/checking/rewards-bonus
[Nationwide] HSBC Advance Checking ($200 Welcome Deposit) - Make recurring monthly Qualifying Direct Deposits totaling at least $500 from a third party to your HSBC Advance checking account(s) for 3 consecutive calendar months from the second full calendar month after account opening. Exp Sept. 30, 2020 https://www.us.hsbc.com/checking-accounts/campaigns/offers/
[Nationwide] HSBC Advance Checking (up to $240 Cash Bonus) - Enjoy 3% Cash Bonus, up to $240, on Qualifying Direct Deposits up to $40 per month, during the first 6 calendar months after account opening. Exp Sept. 30, 2020 https://www.us.hsbc.com/checking-accounts/campaigns/advance-checking/
[Nationwide] HSBC Premier Checking ($450 Welcome Deposit) - Make recurring monthly Qualifying Direct Deposits totaling at least $5,000 from a third party to your HSBC Premier checking account(s) for 3 consecutive calendar months from the second full calendar month after account opening. Exp Sept. 30, 2020 https://www.us.hsbc.com/checking-accounts/campaigns/offers/
[Nationwide] HSBC Premier Checking (up to $600 Cash Bonus) - Enjoy 3% Cash Bonus, up to $600, on Qualifying Direct Deposits up to $100 per month, during the first 6 calendar months after account opening. Exp Sept. 30, 2020 https://www.us.hsbc.com/checking-accounts/campaigns/premier-checking/
[MD] LM Federal Credit Union Free Checking ($50) - Open a free checking account. Within 45 days, complete 5 debit card transactions. Within 30 days, complete a direct deposit of $500 or more to earn a $50 bonus. Exp Sept. 30, 2020 https://www.lmfcu.org/About-LM/News-Promotions/Promotions/Open-a-New-Checking-Account
[MD] LM Federal Credit Union RegulaInterest Checking ($100) - Open a regular or interest checking account. Within 45 days, complete 5 debit card transactions. Within 30 days, complete a direct deposit of $500 or more to earn a $100 bonus. Exp Sept. 30, 2020 https://www.lmfcu.org/About-LM/News-Promotions/Promotions/Open-a-New-Checking-Account
[NY] Mid-Hudson Valley FCU Checking ($200) - Use promo code GETSUN200 when opening a new account. Set up direct deposit of $500 or more within 60 days of opening account for a $200 cash bonus. Choose FREE CHECKING account for no fees. Exp Sept. 30, 2020 https://www.mhvfcu.com/$200-checking-offer
[TX] Neighborhood Credit Union Checking ($100) - Visit the new NCU branch in Anna, Texas and open your checking account using promo code ANNA. Complete a direct deposit of $500 or more within 60 days to earn a $100 bonus. Exp Sept. 30, 2020 https://www.myncu.com/anna
[IL, WI] North Shore Bank Checking w Debit Card *LONG TERM* ($300) Exp Sept. 30, 2020 https://www.northshorebank.com/get300
[AZ] OneAZ Credit Union Student Checking ($100) - Activate new debit card to get a $100 bonus. Exp Sept. 30, 2020 https://www.oneazcu.com/nau/
[OR] OnPoint Community CU Lloyd Center Checking ($100) - Sign up for unique promo code: set up a $100 direct deposit within the first 2 months to get a $100 bonus. Exp Sept. 30, 2020 https://www.onpointcu.com/lloyd-center-branch-move/
[OR] OnPoint Community CU North Lombard Checking ($100) - Sign up for unique promo code: set up a $100 direct deposit within the first 2 months to get a $100 bonus. Exp Sept. 30, 2020 https://www.onpointcu.com/north-lombard-branch-grand-opening/
[CA] Orange County Credit Union Checking ($100) - Use promo code BEST100 to open checking account and within 60 days enroll in e-statements and sign up for a debit card, and complete a direct deposit to receive a $100 reward. Exp Sept. 30, 2020 https://www.orangecountyscu.org/latest/best-of-oc
[MI] Our Credit Union Checking ($100) - Matching deposit up to $100 for new Premium or Basic Checking account. Have at least one debit card transaction per month over 60 days. Must sign up for eStatements and complete a monthly direct deposit of $500 or more for 2 months. Must mention ad for matching deposit when opening. Exp Sept. 30, 2020 https://www.ourcuonline.org/join
[Many states] PNC Virtual Wallet ($200, may vary) - Have at least $2,000 in DD’s. Exp Sept. 30, 2020 https://www.pnc.com/en/personal-banking/banking/checking/campaigns/checking-vw-tiered-offer.html or https://www.pnc.com/en/personal-banking/banking/checking/campaigns/checking-offer-for-PNC-customers.html
[SD] Reliabank Student Checking ($100) - Open a new student checking account with a minimum opening deposit of $50 and receive the bonus of $100 deposited to the new account 45 days after account opening. (Students age 12-25) Exp Sept. 30, 2020 https://www.reliabank.com/personal/checking.php
[TX] Resource One CU Spending Checking ($100) - Enter email to get unique promo code: complete 15 debit card purchases per month for the first 3 months to get a $100 bonus. Sept. 30, 2020 https://www.r1cu.org/promotions/spring-offe
[FL] Seacoast Bank Premium Checking/Savings ($500) - Open a Premium Checking account with $50 and a Savings Account using offer code DM500. To earn the $350 checking bonus, complete a direct deposit of $500 or more within 60 days of account opening. To earn the $150 savings account bonus, deposit a total of $15,000 or more within 10 business days of account opening and maintain said balance for 90 days.Exp Sept. 30, 2020 https://www.seacoastbank.com/switchtoday
[OH] Seven Seventeen Credit Union Checking ($100) - Become a member by making a $5 deposit into a Membership Savings Account. Open account with a $25 deposit using promo code FREE20, sign up for eStatements, and set up recurring direct deposits of $200 or more OR make 30 debit card transactions to earn a $100 bonus. Exp Sept. 30, 2020 https://www.717cu.com/Landing-Pages/checking100-offer
[MN, WI] Spire Credit Union Free Checking ($100) - Open a Spire Free Checking account with an opening deposit of $100 or more. Set up an automatic payment or direct deposit and complete 6 debit card transactions within 60 days to receive a $100 bonus. Account must remain open for six months. $100 bonus will be deposited to the checking account upon account opening. Exp Sept. 30, 2020 https://www.myspire.com/about-spire/current-promos
[IN] Star Financial Checking ($200) - Enter your email address on the offer page to request the bonus coupon. Once unique coupon is received, set up a $500 monthly direct deposit, complete 5 debit card purchases, and enroll in estatements within the first 4 months to get a $200 bonus.Exp Sept. 30, 2020 https://www.starfinancial.com/switch/offer
[NY, OH, PA] S&T Bank Checking ($350) - Open a Preferred, Select, or Four Star checking account online to receive a $50 bonus. Sign up for online statements and make ten $10 qualifying debit card transactions to receive a $100 bonus. Finally, receive a $200 bonus for keeping the account active for 6 months. Exp Sept. 30, 2020 https://www.stbank.com/money-tree-promotion
[AZ, CO, KS, MO, NM, TX] Sunflower Bank Checking ($200) - Open a new personal checking account. Complete 20 debit card purchases AND have ACH credits or debits totaling $500 or more that all post to the account on or before 10/31/20. Exp Sept. 30, 2020 https://www.sunflowerbank.com/Welcome200
[AZ, CO, KS, MO, NM, TX] Sunflower Bank Checking ($200 + $50 To Your School) - Open a new personal checking account with $100, complete 20 or more debit card purchases and have ACH credit, ACH debits or a combination of both totaling $500 or more to receive a $200 bonus plus a $50 donation to your school of choice granted they are participating in the ABC program. Exp Sept. 30, 2020 https://www.sunflowerbank.com/abc
[AL, AR, FL, GA, MD, MS, NC, SC, TN, VA, WV, DC] SunTrust Advantage Checking ($400) - Open a new Advantage checking account using promo code Q320ADVANTAGE. In the first 3 months after opening your account, complete at least $3,000 in Direct Deposits a month for two consecutive months to receive a $400 bonus. Must keep a minimum of $0.01 in the account to be eligible for the bonus. Exp Sept. 30, 2020 https://www.suntrust.com/lp/advantage-offer
[AL, AR, FL, GA, MD, MS, NC, SC, TN, VA, WV, DC] SunTrust Essential Checking ($200) - Use promo code Q320ESSENTIAL and open Essential Checking with $100. Within the first three full months after opening the account, complete at least $500 in Direct Deposits, per statement cycle, for two consecutive cycles. Must keep a minimum of $0.01 in the account to be eligible for the bonus. Exp Sept. 30, 2020 https://www.suntrust.com/lp/checking-offer
[IL] Town and Country Clear E-Checking ($100) - Open a new Clear E-Checking account with $50, set up a monthly direct deposit of $500 or more, and make 5 debit card transactions within the first month. Exp Sept. 30, 2020 https://www.townandcountrybank.com/current-offers.html
[IL] Town and Country CU Star Rewards Checking ($250) - Set up a $250 direct deposit within the first month to get a $250 bonus. Must present flyer or mention promotion to redeem. Exp Sept. 30, 2020 https://www.townandcountry.org/star-rewards-250
[IL] Town and Country High Yield Savings ($100) - Open a new Relationship High Yield Savings account with $10,000 and maintain said balance for 120 days to receive a $100 bonus. Exp Sept. 30, 2020 https://www.townandcountrybank.com/current-offers.html
[NE] Union Bank & Trust Checking/Savings ($200) - Receive $150 when you open an interest-earning checking account (Bonus, Journey, Premier, or Premium Interest Advantage) and have $2,500 in electronic direct deposits posted within 90 calendar days of account opening. Receive $50 when you open a Union Savings account and maintain a $2,500 balance for 90 calendar days from account opening. Exp Sept. 30, 2020 https://www.ubt.com/get200
[CT] Westfield Bank Checking ($300) (Connecticut) - Open a new Free Checking account using promo code $300CTConsumer at a Connecticut branch with $10. Order a debit card and receive a $50 bonus. Enroll in eStatements and receive a $50 bonus. Sign up for direct deposit and receive $200 bonus. Exp Sept. 30, 2020 https://www.westfieldbank.com/new-ct-offices/
[Many states] Chase Private Client Bonus ($2,000) - Upgrade to Chase PC and transfer a total of $250,000 or more in new money or securities to a combination of eligible checking, savings and/or investment accounts (excludes Chase business checking and savings accounts, any You InvestSM, J.P. Morgan retirement accounts and CDs), and maintain the balance for at least 90 days. Exp Oct. 1, 2020 https://account.chase.com/consumebanking/chaseprivateclient
[CT, DE, MA, MI, NH, NJ, NY, OH, PA, RI, VT] Citizens Bank Checking and Savings (Up to $600) - Set up $500 direct deposit within 2 months to get a $300 bonus. Deposit $15,000 in a new savings account for 3 months to get an additional $200 bonus. Get an extra $100 for completing both bonuses. Total potential bonus of $600. Exp Oct. 1, 2020 https://www.citizensbank.com/promotion/checking/cash-offer-600g.aspx?offer=
[AZ, CA, CO, ID, IA, KS, MN, MO, NE, NV, NM, ND, OK, OR, SD, UT, WA, WI, WY] Bank of the West Any Deposit Checking ($250) - Make direct deposits totaling $1,000 or more per month, for 3 months in a row. Exp Oct. 2, 2020 https://www.bankofthewest.com/campaigns/personal-banking/checking-offer-bonus-a?trgid=b2
[MA] Middlesex Savings Bank Freedom Checking ($125) - the debit card(s) associated with the account must be used at least eight (8) times within the first sixty (60) days of account opening. Exp Oct. 4, 2020 https://www.middlesexbank.com/spotify
Business
[AZ, FL, IL, IN, KS, MN, MO, WI] BMO Harris Business Essential/Advantage Checking ($200/$500) - Enter your information using the offer link below to request a bonus offer code, and bring the code into a branch. Open a Business Advantage checking account and deposit $1,500/$5,000 or more within 30 days. Maintain a $1,500/$5,000 or more balance for 90 days. Have at least 10 electronic transactions within 90 days to receive the bonus. Exp Sept. 30, 2020 https://www.bmoharris.com/main/business-banking/bank-accounts/bb-checking-offe
[MS, NC, SC, TN, TX, VA] First Horizon Bank Business Checking and Savings (Up to $450) - Use promo code BZD300 to open a BizeEssentials Checking: deposit $5,000 and complete 5 qualifying transactions within the first month to get a $300 bonus. Use promo code SMBSSV to open a BizEssentials Savings: deposit $2,500 to get a $150 Visa gift card. Total potential max bonus of $450. Exp Sept. 30, 2020 https://www.firsthorizon.com/landing/business/300-bize-checking-landing-bzd300
HSBC Fusion Business Checking ($250) - Deposit $5,000 within the first month and maintain that balance for 3 months. Register and log on to HSBCnet within 45 days of account opening for a $250 bonus. Exp Sept. 30, 2020 https://www.us.hsbc.com/fusion/
[CT, DE, MD, NJ, PA, VA, WV, DC] M&T Bank Tailored Business Checking ($300) - Request a coupon code to be emailed to you, then bring this code in to a branch. Open the Tailored Business Checking account. M&T will give you a $300 bonus if the average ledger balance in the account if at least $5,000 for the third full calendar month after the account was opened. Exp Sept. 30, 2020 https://bank.mtb.com/bizbonus/landing-page-685FT-57558B.html
[AL, DC, DE, FL, GA, IL, IN, KY, MD, MI, MO, NC, NJ, NY, OH, PA, SC, VA, WI, WV] PNC Business Checking ($200 to $500) Exp Sept. 30, 2020 https://www.pnc.com/content/pnc-com/en/small-business/banking/business-checking-overview/business-checking-offer.html
[OH] Westfield Bank Business Checking ($300) - Bring flyer into your local Westfield Bank Branch. Open a new Business Checking Account with $100. $300 will be deposited into your account when the account is opened. Exp Sept. 30, 2020 https://www.westfieldbank.com/images/uploads/WFB_000105_CT_BizBanking_Specials_8_5x11_WeHaOpen_HR_Web(1).pdf.pdf)
submitted by bankbonusphil to churning [link] [comments]

Stimulus Check FAQs 3/27/2020

4/20/2020: I'm trying to keep this post updated, and trying to keep up with questions. Thanks everyone for helping answer questions in this post! Go team tax!
Stimulus Payment = Economic Impact Payment = EIP = Advanced 2020 Recovery Rebate
4/16/2020: There are a lot of issues with Get My Payment. If you are getting error messages, there are quite a few reasons why that's happening and the IRS is working to fix them. Here's an article from Washington Post that I'll try to excerpt below: Glitches prevent $1,200 stimulus checks from reaching millions of Americans.
4/15/2020 (afternoon PDT): Economic Impact Payment Information Center has been updated with some FAQs for the Get My Payment application, including error messages and questions about Direct Deposits. Get My Payment FAQs are now on a separate page (Updated 4/17/2020).
Also if the IRS attempted to direct deposit your payment to a closed account, then there's no option to update the bank account information. You will receive a paper check in the mail to the address the IRS has on file for you (usually the address on your last tax return unless you updated it).
The IRS clarified today that SSI recipients DO NOT NEED TO FILE a simple tax return unless they need to add qualifying children dependents. Automatic stimulus payments should be sent out by early May.
4/15/2020 (morning PDT): Get My Payment is now live, but you may have to wait a few minutes to get through. Also a lot of people are getting error messages - not sure if this is due to server overload or personal information not matching. My suggestion is you try again tomorrow.
To begin, you need your Social Security Number, Date of Birth, and Address and Zip Code from your most recently filed tax return.
If you get through and need to add your bank account information, you'll need your Adjusted Gross Income from your most recently filed tax return (Line 8b for 2019, Line 7 for 2018), the refund or amount owed from your latest filed tax return, and Bank account type, account and routing numbers.
See also this News Release: Treasury, IRS unveil online application to help with Economic Impact Payments; Get My Payment allows people to provide direct deposit information and gives payment date
Some issues noted:
4/14/2020: IRS started sending payments out Saturday 4/11/2020. Many people should see the payments tomorrow in their bank account. A couple of things:
4/10/2020:
IRS Links
IMPORTANT NOTE: Stimulus payments will be available for the rest of 2020. It sounds like you do not need to wait until next year if you miss the first round of stimulus payments.
Update: File no later than October 15, 2020 to make sure you receive a stimulus payment this year, according to the IRS. (Revenue Procedure 2020-28)
NOTE that your tax return needs to be processed before you'll receive the payment. Normal processing time for an e-filed tax return is 2 - 3 weeks but if your identity or wage information needs to be verified it might take much longer.
We now return to the original post with updates:
The CARES Act (H.R. 748) has now been passed by Congress and signed by the President. Here are some Frequently Asked Questions (FAQs) and answers that I believe to be true based on the text of the bill, reliable news sources, and some educated guesses based on the stimulus payments sent out in 2008. Please let me know if I got anything wrong.
Link to section in the bill about 2020 Recovery Rebates (edited link 4/9/2020)
What is this?
How Much?
Who will get the ADVANCE stimulus payments?
Who is eligible?
When will payments be sent out?
What AGI Qualifies?
What is the Phaseout Range for AGI?
For those of you who want to calculate it, the phaseout is 5% by the amount you income is over the AGI limits above. The phaseout range grows by $10,000 per qualifying child. There are also online stimulus check calculators.
What if I had a baby / adopted a child this year?
What if I alternate custody of my child with another person every year?
Who is NOT eligible at all?
What if I was claimed as a dependent for 2018 & 2019 but I will not be a dependent for 2020?
Should I amend my 2019 tax return to say I was not a dependent?
What if I didn’t file tax returns for either years?
What if I didn't have taxable income for 2019?
What if I need to update my mailing address and/or direct deposit information with the IRS? Please DO NOT CALL the IRS at this time.
To help everyone check on the status of their payments, the IRS is building a second new tool expected to be available for use by April 17. Get My Payment will provide people with the status of their payment, including the date their payment is scheduled to be deposited into their bank account or mailed to them.
An additional feature on Get My Payment will allow eligible people a chance to provide their bank account information so they can receive their payment more quickly rather than waiting for a paper check. This feature will be unavailable if the Economic Impact Payment has already been scheduled for delivery.
What if I owe back taxes?
What if my student loan is in default?
What if I owe unemployment compensation debt? (Added 3/28/2020)
What if I owe child support?
What if I don’t get a stimulus payment and I really need the money? This SUCKS.
What if I have other questions? Should I call the IRS?
Feel free to ask questions below, and/or check https://www.irs.gov/coronavirus, but DO NOT CALL the IRS at this time.
Some added FAQ:
What if I receive the stimulus payment but don't qualify for it?
Is this going to make my taxes go up, or my refund be less next year?
BONUS Historical IRS Links (added 3/31/2020)
Again, corrections / updates appreciated! Updated 4/20/2020
submitted by kaijubooper to tax [link] [comments]

9 Free Stocks and $500 Free Cash/Bitcoin - Sign Up for Webull, Firstrade, Public, Moomoo, M1 Finance, SoFi Invest, Robinhood, BlockFi, Voyager, BlockFi, Gemini, Celsius Network, Crypto.com, Coinbase, Crypterium - Commission Free Stock Trading + Cryptocurrency Apps

9 Free Stocks and $500 Free Cash/Bitcoin - Sign Up for Webull, Firstrade, Public, Moomoo, M1 Finance, SoFi Invest, Robinhood, BlockFi, Voyager, BlockFi, Gemini, Celsius Network, Crypto.com, Coinbase, Crypterium - Commission Free Stock Trading + Cryptocurrency Apps
Get up to nine (9) free stocks (valued up to $3500 total) plus a $85 cash bonus when you sign up for any commission free stock trading app with no deposit required like Public, Firstrade, Robinhood and Webull or a small deposit like SoFi Invest, Moomoo, and M1 Finance. You can buy stocks like Tesla and Google for as low as $1 with fractional shares at M1 Finance, Robinhood, Public, and SoFi Invest! Free stocks are available to US residents only.
Plus enjoy a minimum of $250 (up to $400) in free cash/Bitcoin bonuses from Crypto.com ($25 Cash), Voyager ($25 Bitcoin), BlockFi ($50 Bitcoin), Celsius Network ($100 Bitcoin Bonus), Gemini ($10 Bitcoin), Coinbase ($10 Bitcoin + $170 Bonus), and Crypterium ($5 Cash) by signing up and making a small deposits/transactions! All companies are regulated and licensed. Crypto.com, Celsius Network, BlockFi, Gemini, Coinbase, and Crypterium are open to users globally, but Voyager and Binance.US are available to US customers only.
More details below! Be sure to use each referral link or promo code to get your free stock, cash, and Bitcoin bonuses and thank you!

Webull (4 Free Stocks up to $1600)

Sign up for Webull (https://act.webull.com/i/Vofifd5bibi6/3jx/us_na_invite_year02) and receive four (4) free stocks (valued between $8 to $1600 each) when you open a stock brokerage account (within 24 hours) and make an initial deposit of $100 or more! This is a limited time promo bonus from Webull when you use the referral link!
You do not need to invest the money deposited and simply transfer the money back to your bank after receiving the three free stock bonuses.
You get two free stocks for opening a brokerage account plus another two free stocks for making an initial deposit of $100 or more! That's four (4) free stocks! Webull is available on Android and iOS!
Webull is registered and regulated by the Securities and Exchange Commission (SEC) and the Financial Industry Regulatory Authority (FINRA). It is also a member of the SIPC which protects securities customers of its members up to $500,000 (including $250,000 for claims for cash).
Remember to sign up at https://act.webull.com/i/Vofifd5bibi6/3jx/us_na_invite_year02 to receive your four free stocks up to $1600 for just an initial deposit of $100 or more!
Thank you!

Firstrade (1 Free Stock up to $200, No Deposit Required)

Sign up and open a Firstrade Stock Trading Account (https://share.firstrade.com/DavidMPYG) and get a free stock instantly (valued up to $200) when your account is approved. No initial deposit is required, but I recommend a small $1 deposit.
Firstrade offers commission free stock, ETF and mutual funds trading via the web or mobile apps (iOS and Android)! Plus your account is SIPC insured!
You're guaranteed a free stock, but you have a 1 in 100 chance of getting Apple, Facebook, AMD or Bank of America!
Be sure to use my Firstrade signup link and thank you! - https://share.firstrade.com/DavidMPYG
Thank you!

Public (1 Free Stock up to $50, No Deposit Required)

Sign up for Public (https://share.public.com/domaindave), a commission-free stock trading app for iOS and Android, and receive a free stock slice worth up to $50 when you open a new trading account. No deposit required to receive your free stock!
It takes about 5 minutes to sign up! Please visit the link using your iOS or Android phone to download the app. Within 24 hours, I received a $25 slice of Apple stock when I opened a Public account!
Public allows you to buy a slice of any stock like Apple, Tesla, and Google for as low as $5 with no trading fees and your Public stock trading account is SIPC insured up to $500,000.
Be sure to use my Public signup link on your mobile phone to get your free stock with no deposit required - https://share.public.com/domaindave
Thank you!

SoFi Invest ($75 Cash Bonus)

Open a SoFi Invest Account (https://www.sofi.com/share/invest/1919989) today and get a $50 cash bonus to invest in ANY stock or ETF with no trading fees!
Just open a SoFi Invest Account with an initial deposit of $1000 or more and SoFi will instantly give you a $50 cash bonus to invest in any stock which you can sell and cash out the money back to your bank account.
Plus get another $25 cash bonus when you buy $10 or more of crypto like Bitcoin, Litecoin or Ethereum. That's a total of $75 cash bonuses with SoFi Invest!
I love SoFi Invest because you can invest in any stock or ETF like Apple, Amazon or Google for as low as $1 with fractional share investing and no fees to buy or sell! Be sure to signup at https://www.sofi.com/share/invest/1919989
Thank you!

M1 Finance ($10 Cash Bonus)

Sign up for a free M1 Finance stock trading account (https://m1.finance/wG5ouGBolHyU) and you'll get a $10 cash bonus after you make an initial deposit of $100 or more when you open a taxable (non-retirement) account. You can choose to invest the cash bonus or withdrawal the money to your bank!
If you open a taxable (non-retirement) account, then you must make initial deposit of $100 or more to get $10 cash bonus. If you open an IRA account, then you must make initial deposit of $500 or more to get bonus and open a taxable (non-retirement) account.
M1 Finance allows you to buy fractional shares as low as $0.01 on stocks and ETFs like Tesla, Amazon, and Google with no trading/commission fees plus there are no monthly fees or account minimums. You can open a regular investment, IRA, and/or Roth IRA account plus your accounts are SIPC and FDIC insured!
Be sure to use my M1 Finance signup link - https://m1.finance/wG5ouGBolHyU
Thank you!

Moomoo (2 Free Stock up to $1000)

Sign up for Moomoo Commission Free Stock Trading App (https://j.moomoo.com/001zFH) and open a trading account and you're guaranteed to receive a free stock (valued between $10-$1000) when you make an initial deposit of $100 or more. Plus earn another free stock when you make total net deposits of $1500 or more! That's two free stocks when you have net deposits of $1500+.
You'll have a 1 in 250 chance to win a free stock in Tesla, Netflix, Apple or Facebook and 1 in 100 chance to win a free stock in Microsoft, Disney, Starbucks or IBM.
You don't need to buy stocks with your deposit. You can simply get your free stocks, sell it and cash out back to your bank. It took me about 20 minutes for my account to get verified and receive my free stock within 3 days after my initial deposit cleared.
Moomoo (Futu Inc.) is a member of FINRA and SIPC so your account is protected up to $500,000. Moomoo app is available for iOS and Android!
Be sure to signup with my referral link to get your two free stocks! - https://j.moomoo.com/001zFH
Thank you!

Robinhood (1 Free Stock up to $200)

Sign up for a free Robinhood stock trading account (http://invite.robinhood.com/davids2005) and you'll get a free stock valued up to $200 instantly (like Ford, Apple or Facebook) with no deposit required! It's free money just for signing up!
Plus you can buy any stock or ETF like SPY and Tesla for as low as $1 with fractional share investing.
Robinhood offers commission-free trading on stocks and ETFs via web and mobile plus your account is SIPC insured! Plus you can signup for a free Cash Management Account with 0.30% APY interest on cash (FDIC insured up to $1.25 million), free Mastercard debit card, no foreign transaction fees, no account minimums and no fee 75,000+ ATMs.
Be sure to use my Robinhood signup link and thanks! - http://invite.robinhood.com/davids2005
Thank you!

Voyager ($25 in Free Bitcoin + Up to 9% APY Interest)

Get $25 in free Bitcoin (BTC) when you download and signup for the Voyager Crypto Trading App with code O6E5JJ and trade at least $100 or more in crypto (buy and/or sell). Only available to US residents.
To get your $25 in free Bitcoin after trading (buy/sell) $100 or more in crypto, use reward/referral code O6E5JJ during registration:
Voyager App allows you to connect a bank account and deposit cash directly. The easiest way to get the bonus is depositing at least $100 into your account to buy at least $100 of Bitcoin or Ethereum. Then sell the Bitcoin/Ethereum immediately. You'll receive your $25 in free Bitcoin bonus and can transfer the money back to your bank.
Voyager App offers commission-free cryptocurrency trading for over 20 cryptos and its currently available to residents in all U.S. states (excluding New York state).
Plus, you can earn monthly interest on your crypto holdings up to 9% APY interest annually on Bitcoin, Ethereum, Litecoin, USDC, and USDT!
Please use my referral code by downloading the iOS app or Android app and use reward/referral code O6E5JJ during registration. It's an easy way to earn a $25 worth of free Bitcoin after you buy $100 or more in crypto and cash out the profit back to your bank!
Thank you!

BlockFi ($50 in Free Bitcoin + Earn up to 8.6% Per Year on Crypto Deposits)

Sign up for BlockFi (https://blockfi.com/?ref=c316afd8) and receive $50 in free Bitcoin bonus when you deposit $350 or more in crypto (like Bitcoin or USDC) by December 31, 2020 and maintain the qualifying deposit by January 31, 2021. The bonus is deposited on your first monthly interest payment. Do not withdraw from your balance or you WILL LOSE the Bitcoin bonus payment. Just wait until you receive your Bitcoin bonus then you can withdraw from your account.
This promotional $50 Bitcoin bonus is available to all customers globally! If you sign up after December 31, 2020, you will receive $10 in free Bitcoin for any crypto deposit of $100 or more.
Plus you'll earn up to 8.6% per year on the cryptos you deposit into your BlockFi account like Bitcoin, Ethereum, Litecoin, PAX, GUSD and USDC. Interest is compounded monthly and paid out on the 1st of every month.
You can download the iOS app (https://apps.apple.com/us/app/blockfi/id1506274532) or Android app (https://play.google.com/store/apps/details?id=com.blockfi.mobile). Be sure to use referral code c316afd8 during signup to get your $50 Bitcoin bonus after initial $350 or more deposit (like Bitcoin or USDC) by December 31, 2020.
BlockFi supports bank wire transfers and deposits via crypto. If you want to buy crypto and deposit on BlockFi, you will need to use Coinbase, Gemini, Liquid or Binance to link your bank account to buy crypto and transfer to BlockFi.
In addition to earning interest on your crypto deposits, BlockFi allows you to exchange cryptos like BTC for Ethereum and take out a loan without selling your crypto.
BlockFi is available to all customers globally including in all 50 US states! BlockFi is a licensed and regulated company in the United States.
Remember to sign up at https://blockfi.com/?ref=c316afd8 to get your $50 in free Bitcoin bonus.
Thank you!

Celsius Network ($100 in Free Bitcoin + Up to 22% APY Interest)

Sign up on Celsius Network (https://celsiusnetwork.app.link/1891962be1) and you'll get $20 in free Bitcoin (BTC) after first deposit of $200 or more in crypto (like Bitcoin, Ripple, Ethereum, USDT, USDC) within 30 days! Just complete the registration and KYC process to earn your free Bitcoin after qualifying deposit! Plus earn an additional $80 in free Bitcoin.
You'll also earn up to 22% APY interest on all the cryptos you deposit including BTC, ETH, BCH, LTC, XRP, XLM, Tether Gold, and USD stablecoin (like USDC, USDT, DAI, PAX) with no fees to deposit or withdrawal!
I love Celsius because interest is paid out every Monday! Your free Bitcoin is locked for 30 days after your initial deposit and available to withdrawal after 30 days. You cannot withdraw any funds deposited for 30 days or else you will lose the Bitcoin bonus!
Here's the process to claim your free $100 in Bitcoin/Celsius bonuses:
  1. Sign up for Celsius Network at https://celsiusnetwork.app.link/1891962be1 (or use promo code 1891962be1 during registration at https://celsius.network/ to secure the $20 Bitcoin bonus on the first deposit)
  2. Complete the KYC process including ID verification
  3. Deposit $200 or more in crypto to receive your $20 in free Bitcoin bonus like Bitcoin, Ethereum and USD stablecoin. Bitcoin bonus is locked for 30 days after qualifying deposit and after 30 days you can keep or withdraw it. DO NOT WITHDRAW any crypto from your account during the 30 days after qualifying deposit OR YOU WILL LOSE the bonus. Wait until the bonus is unlocked.
  4. Go to Profile -> Enter a Promo Code and input promo code TRUST to earn additional $50 in free Bitcoin after making any crypto deposit of $2000 or more!
  5. Go to Profile -> Enter a Promo Code and input promo code BTC to earn additional $30 in free Bitcoin after making a Bitcoin deposit of $2000 or more!
At the moment you can't link a bank account to deposit cash to your Celsius Network account so you'll need to use Coinbase, Binance US, Crypto.com or Gemini to buy crypto like Bitcoin or USDC and transfer to your Celsius account. Then transfer back to cash out and back to your bank.
Remember to use my Celsius Network referral link - https://celsiusnetwork.app.link/1891962be1 or use promo code 1891962be1 during registration to get your first $20 in free Bitcoin and enter the additional promo codes after successful registration for more free Bitcoin.
In summary, you will earn a total of $100 in free Bitcoin into your Celsius Network account within 30 days.
Thank you!

Crypto.com ($25 Cash Bonus + Up to 12% APY Interest)

Get $50 free cash bonus when you signup and open a Crypto.com account (https://platinum.crypto.com/bcsbb2r465) or use referral code bcsbb2r465 during registration. After you buy and hold 2500 CRO (Crypto.com) tokens, the $25 cash bonus is unlocked to your wallet to spend with your free MCO Visa prepaid card which earns up to 5% cashback on all purchases with free Netflix, Spotify and Amazon Prime membership! This offer is available to all users globally!
Crypto.com is the best place to buy and sell cryptocurrency with fees as low as 0.10%. Plus you'll earn up to 8% interest per year on the cryptos you deposit into your Crypto.com account like Bitcoin, Ethereum, Litecoin, Binance Coin, and PAX Gold. You'll earn up to 12% interest per year on stablecoin deposits like USDT, USDC, DAI, PAX, GUSD and TGBP. Interest is paid weekly!
You can buy 2500 MCO (Crypto.com) tokens via the Crypto.com app with bank transfer, credit card or crypto like Bitcoin. 2500 CRO will cost between $220 to $250 depending on the price of CRO tokens. The 2500 CRO tokens will be locked up for 6 months.
Visit https://platinum.crypto.com/bcsbb2r465 or download the Crypto.com app for iOS or Android and use my referral code bcsbb2r465 during registration to get your instant $25 cash bonus.

Gemini ($10 in Free Bitcoin)

Get $10 in free Bitcoin when you signup for Gemini, a US-based regulated and licensed cryptocurrency exchange. This offer is available to NEW USERS ONLY residing in the United States, United Kingdom, Canada, Hong Kong, Singapore, and South Korea.
Follow these steps:
  1. Sign up for a Gemini account with my referral link at https://gemini.com/share/mllyldt7 (new users only)
  2. Verify your identity
  3. Link your bank account and deposit $100 or more
  4. Buy or Sell 100 USD of any crypto within 30 days of opening an account and Gemini will deposit your bonus of $10 worth of Bitcoin within a day.
After you receive your free $10 of Bitcoin, you can sell your cryptos and transfer the cash back to your bank! Gemini also allows you to transfer any crypto to an external wallet for free with no withdrawal fees.
Gemini is regulated by the New York State Department of Financial Services (NYSDFS) and was founded in 2014 by Cameron and Tyler Winklevoss.
Thank you!

Coinbase ($10 in Free Bitcoin + $170 in Bonus Crypto)

Sign up for a Coinbase cryptocurrency account (https://www.coinbase.com/join/5a29d6adad50d7010b47bac0) and get $10 of free Bitcoin (BTC) after you buy or sell $100 or more in cryptocurrency like Bitcoin, Ethereum, and Bitcoin Cash. You will also need to verify your identity. This offer is available to all customers globally!
In addition, get $43 in free BAND Token by visiting https://coinbase.com/earn/band/invite/nqcpf2yz by watching tutorials and answering simple questions about cryptocurrency with Coinbase Earn! You'll also get additional free cryptocurrencies without any deposit or trading required. You can easily make up to $180 in free cryptocurrency and cash out the money back to your bank!
You can also earn 0.15% annual interest holding USDC tokens (for US customers) and 4% annual interest staking Tezos tokens (for US, UK, and EU customers)!
Coinbase is one of the most trusted and easiest place to buy, sell, and manage your digital currency portfolio and its available in 100+ countries around the world! Coinbase allows you to deposit/withdrawal funds via free bank transfer, credit/debit card or bank wire.
Remember to use my referral link to get your $10 of free Bitcoin after trading $100 or more in crypto plus another $170 in free crypto bonuses - https://www.coinbase.com/join/5a29d6adad50d7010b47bac0
If you already have a Coinbase account, you get $43 in free BAND Token by visiting the following referral links:
Thank you!

Crypterium ($5 Cash Bonus)

Have you tried the Crypterium Crypto Wallet App for iOS and Android? Sign up for Crypterium at https://crypterium.app.link/DU5iX9vsDY (or use referral code cdgy4 during signup) and get a $5 cash bonus by verifying your identity and make a transaction worth €50/$60 or more (like buy or sell crypto) via the Crypterium Wallet app. The bonus is deposited within 72 hours.
Crypterium lets you buy, send, exchange or cash out crypto, and even get the first global crypto card! The Crypterium Wallet is regarded as one of the most promising fintech solutions by KPMG and H2 Ventures. Making crypto as easy to spend as cash!
Plus for a limited time, get a Crypto Loan in USDT from Crypterium for 0% interest for up to 12 months by using Bitcoin or Ethereum as collateral. Get approved in as little as 30 seconds without credit checks!
The Crypterium App supports cryptocurrencies such as Bitcoin, Ethereum, Litecoin, Bitcoin Cash, CRPT, XRP, LINK, MKR, QASH, BAT, ZRX, REP, OMG, USDC, USDT, DAI, and EURS.
Register at https://crypterium.app.link/DU5iX9vsDY to receive a link to download the app or use my referral code cdgy4 during signup at https://crypterium.com and get your $5 cash bonus!
Thank you!
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https://preview.redd.it/1gcpui59rc761.png?width=1938&format=png&auto=webp&s=8acff26acf0a29930d259e197eb7e700b227cee2
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