Varo - $150 bonusSteps
1. Use my referral link above to open a new Varo Bank account.
2. Set up and receive total payroll direct deposits of $500+ within 45 days of opening your account.
3. Receive bonus within 10 business days.My Experience
Bonus credited within 2 business days after direct deposit settled.Notes
MAKE SURE YOU APPLY FOR A DEBIT CARD AND NOT CREDIT CARD.
Offer expires soon. Signing up after 3/31/2026 will earn a lower bonus of $100.
No account fees or minimums.
Must be a new, first time customer.

Current - $100 bonusSteps
1. Open a new Current account.
2. Enter my referral code AIQAFP624 after opening the account.
Account → Rewards → Add Code → Confirm
3. Set up a single payroll direct deposit of $200+ within 45 days of opening your account.
4. Receive bonus within 10 business days.My Experience
Bonus credited within 1 hour after direct deposit settled. YMMV.Notes
MAKE SURE YOU APPLY FOR A DEBIT CARD AND NOT CREDIT CARD.
No account fees or minimums.
Must be a new, first time customer.

Citi - $325 bonusSteps
1. Use my referral link above to open a new Citi Regular Checking account.
2. Set up and receive 2+ enhanced direct deposits (EDDs*) of $3,000+ within 90 days of opening your account.
^{*EDDs do not have to be direct deposits from your employer. They include any ACH transfer, which means you can cumulatively transfer $3,000 from an external account to meet the requirements.}
3. Receive bonus between 90 to 120 days of opening your account.My Experience
Pushed $$$ to Citi using external account → 2 business days later after funds settled, pulled $$$ using same external account → Repeated until requirements met
Bonus credited on day 110.Notes
MONTHLY FEES can be waived with $250+ EDD per month.
Tracker on Citi Mobile app tracked requirements.
^{Services → Rewards & Upgrades → Explore Rewards}
Do not transfer from Citi's side, push and pull funds from the external account (e.g. Chase, Wells Fargo, Fidelity).
Must have not owned a Citibank Checking account in the last 365 days.

Capital One - $300 bonusSteps
1. Use my referral link above to open a new Capital One 360 Checking account.
2. Set up and receive 2 payroll direct deposits of $500+ within 75 days of opening your account.
3. Receive bonus within 135 days of opening your account.My Experience
Received direct deposits of $505 and $510 from two separate pay periods.
Bonus credited on day 99.Notes
No account fees or minimums.
Must not have or had a checking account with Capital One on or after January 1, 2024.

PSECU - $300 bonusSteps
1. Use my referral link above to apply for PSECU membership and account.
2. Enter promotional code 2026REFER during application.
3. Open 1+ savings account and 1+ checking account.
4. Set up and receive 2 qualifying payroll direct deposits of $500+ into either the savings or checking account within 100 days of opening your account.
5. Receive bonus within 145 days of opening your account.My Experience
Received direct deposits of $510.xx and $510.xx from two separate pay periods.
Waiting on bonus to pay out.Notes
No account fees or minimums.
Must pay $15 to become a member of PSECU.
Must not have ever received a new member bonus from PSECU.

(1) M&T Bank Referral Link ($50)
(2) M&T Bank Bonus Link ($350)Steps
1. Register your information using my referral link in (1).
2. Open the main bonus link in (2) and register with the same information from step 1. Bonus code TB should be autofilled.
3. Wait for account to settle after opening. If you opened the account online, you should receive a Docusign email to confirm identification. If you opened the account in branch, ignore this step.
4. Make qualifying payroll direct deposits totaling $1,000+ within 90 days of opening your account.
5. Receive bonus within 90 days of requirements being met.My Experience
Opened account online, received Docusign email 1 week later.
Received direct deposits totaling $1,000+.
Main bank bonus credited 2 business days later.
Waiting on the $50 Visa Gift Card.Notes
$24.95 monthly fee can be avoided by either:
a. Maintaining a $7,500 daily balance or
b. Downgrading to EZChoice Checking (no fees) AS SOON AS YOU RECEIVE THE BANK BONUS. To downgrade, call or go in branch.
Bonus not available to anyone who received a cash bonus to an M&T checking account within the last 12 months.
^{Refer-a-friend terms}

(1) CCCU Referral Link ($50)
(2) CCCU Bonus Link ($100 + $100)Steps
1. Register your email using my referral link in (1).
2. Use the same email from step 1 to open a Harvest High-Yield Checking and Harvest High-Yield Savings account with promo code Bee. There is a page in the application to add both accounts to your cart.
3. Enroll in eStatements for the $100 checking bonus.
4. Deposit $5,000 into the savings account by day 30 for the $100 savings bonus.
5. Receive bonuses after 60 days for checking account ($100 bank bonus & $50 eVisa Gift Card referral bonus) and 30 days for savings account ($100) after eligibility requirements are met.My Experience
Working and waiting on this bonus.Notes
No account fees or minimums for checking account.
$5 monthly fee on savings account can be waived with $100+ balance.
The High-Yield Savings Account has 5% APY for balances between $0 and $5,000. Additional balances will earn at lower rates.
Bonus only available to those who have not been a member of CCCU in the last 24 months.
^{Refer-a-friend terms}

OnPath Credit Union - $150 bonusSteps
1. Register with your information using my referral link.
2. You will receive a registration confirmation email. Click the link to start your application using the same information in the referral.
3. Open a new OnPath personal or business checking account.
4. Within 60 days, complete BOTH 15+ debit card purchases of $10+ (excludes ATMs) and a direct deposit of $250+.
5. Receive $150 Visa gift card in the mail 4-6 weeks later.My Experience
Working and waiting on this bonus. The signup process was slightly longer than most banks since it involved a few secure messages back and forth between the credit union for identifying documents.Notes
No account fees or minimums for checking account.
The credit union offers a 6% APY HYCA (up to $10,000) and a 5% cashback rewards debit card (up to $160 monthly spend) account.

MoneyLion - $50 + $10 bonusSteps
1. Download the MoneyLion app in the link above.
2. Register as a MoneyLion user and enter my referral code $MKevin111 (make sure to use the dollar sign).
3. Open a RoarMoney Banking account for the $10 (sometimes $5) account opening bonus.
4. Within 60 days of opening account, complete 2 direct deposits of $100+ for $50 bonus.
5. Receive reward within 14 business days.My Experience
I only had one $105 DD, reward arrived 2 business days later. Bonus had to be claimed in the "Rewards" section.Notes
No account fees or minimums for checking account.
The user interface sucks. Navigate through the app carefully and make sure to only open a RoarMoney Banking account.

Chase Freedom Unlimited Credit Card - $200 $250 bonusSpend $500 on purchases in 3 months from account opening.
$250 bonus may be reverting to $200 soon.

TastyTrade Brokerage - $100 bonusMinimum initial deposit of $2,000. $100 bonus will be deposited within 45 days. Funding must be maintained for 6 months to withdraw referral bonus.^{TastyTrade Terms & Conditions}

Public - $20 bonusMinimum initial deposit of $1,000. Stock reward must be claimed in Rewards section of app.