1. [$900] Chase Checking and Savings - Amazing Nationwide combo bonus. 

   • Earn $300 for opening a checking account and receive a direct deposit within 90 days. Earn $200 for opening a savings account and depositing $15,000 of new money within 30 days, holding until the 90 days. Open both at the same time and get an additional $400! 

• Sadly, doesn't look like referrals work for the $900 version. One of the best bonuses I've personally seen online! Offer lasts until 7/24/2024!

  • There is also a $300 version for the checking account only. Email me at churning.jimmyjohns@gmail.com for a referral code!

• Completing the savings portion of the bonus earns an additional $200 + $400. Assuming you only deposited $15,000 for 60 days, that's earning 4% on your deposit in just 60 days!

2. [$300] PSECU - Available nationwide when joining and making a donation to PRS (Pennsylvania Recreation and Parks Society) 

   • Use my referral link! https://refer.psecu.com/axvy2

   • Stage 1: Within the first 60 days, establish a direct deposit of $500 per calendar month, receive $200

   • Stage 2: Continue direct deposits for 3 months after Stage 1, at least $1,500 cumulative, and make at least 10 debit transactions minimum $10 each within the following 120 days, and receive an additional $100

3. [$200] Laurel Road High Yield Savings (APY 5.00%) - Available Nationwide through referrals only!

   • My referral link: https://www.laurelroad.com/hys-raf2024/?hys_friend=3yps1msh

   • Referral program details: https://www.laurelroad.com/hys-raf2024/

4. [$300 + $50] Broadway Bank - TX Only

   • My referral link: https://io.referlive.com/zh1Ocv

   • Make a cumulative $1,500 in direct deposits, spend $1,500 using the debit card in the first 90 days, earn $300. 

   • Enroll in E-statements through online/mobile banking, spend $500 and get a $50 Visa reward card 

5. [$300 + $50] Regions Lifegreen Checking - Select states only. 

   • Set up a direct deposit of $1,000 and enroll in online banking within 90 days, get a $300 bonus! 

   • Available in AL, AR, FL, GA, IL, IN, IA, KY, LA, MS, MO, NC, SC, TN, and TX

   • Get an extra $50 with referral! Email me at churning.jimmyjohns@gmail.com. Note that the email and name used on the referral must match the person opening the account. I also get $50, so I'm super responsive!

1. [$300] Keypoint Credit Union - Available Nationwide when joining the Financial Fitness Association (FFA)

   • Membership fee is paid for by Keypoint. FFA is useful signing up for other credit unions, like Service CU and First Tech CU

   • Establish a direct deposit of $1,000 within the first 60 days, earn $50 each month direct deposit continues

   • Referrals available! Email me at churning.jimmyjohns@gmail.com. Note that the email and name used on the referral must match the person opening the account. I also get $50, so I'm super responsive!

   • More info on referral program - https://kpcu.com/About/Events/Refer-a-Friend

2. [$75] BluPeak Credit Union - Available Nationwide with a $5.00 donation to KPBS

   • Receive at least two direct deposits totaling $500 or more within 90 days, and earn $75

   • Referrals available! Email me at churning.jimmyjohns@gmail.com. Note that the email and name used on the referral must match the person opening the account. I also get $75, so I'm super responsive!

   • More info on referral program - https://www.blupeak.com/refer-a-friend/

   • The donation to KPBS unlocks a lot of really awesome PBS shows!

3. [$500] Service Credit Union - Available Nationwide when joining the American Consumer Council (ACC) for free

   • Offer available at https://servicecu.org/get-up-to-500/ (no referral necessary)

   • Establish a direct deposit of $1,500 net pay for at least 3 consecutive months

4. [$300] First Tech Credit Union - Available Nationwide when joining the Financial Fitness Association (FFA)

   • Membership fee is paid for by Keypoint. FFA is useful signing up for other credit unions, like Service CU and Keypoint CU

   • Establish a direct deposit of $1,000 for at least 3 months

   • Offer available at https://www.firsttechfed.com/pages/depp/direct-deposit (no referral necessary)

1. [$200] Upgrade - Tiered savings bonus plus 5.21% APY. Available Nationwide through referrals only

   • Use my referral link to "upgrade" your high yield savings account with a tiered bonus! https://upgrade.com/r/wabJYocYlz

   • Earn an extra $200 on the $50,000+ tier, extra $100 on the $30,000 tier, and extra $50 on the $15,000 tier

   • Share the love! Once you've opened an account, feel free to refer your own friends and family, and you can each earn huge bonuses!

   • Pro tip - Use Fidelity EFT to push funds into and out of the account, initiating from the Fidelity side

2. [$200] Upgrade - Checking bonus. Available Nationwide

   • Use my referral link to "upgrade" your Checking account with a big promo bonus! https://upgrade.com/r/4iOJkO34nq

   • Establish a $1,500 direct deposit within 45 days. Easy!

   • No Chex pull. No EWS!

3. [$100] Chime - Checking bonus. Available Nationwide

   • Receive a single qualifying direct deposit at least $200 within 45 days and get $100

   • Email me at churning.jimmyjohns@gmail.com to get a referral code

4. [$325] Sofi - Checking and Savings bonus. Available Nationwide

   • Use my referral link for a larger sign up bonus - https://www.sofi.com/invite/money?gcp=fbb90035-b461-4902-b0f5-5ccf67fb07cc&isAliasGcp=false 

   • Get $25 on opening. Establish over $5,000 in direct deposits to earn a $300 bonus. Direct Deposit Bonus Period begins when SoFi receives a Direct Deposit within the Promotion Period and ends 25 calendar days later. Promotional period ends 6/30/2024

   • No monthly fees. Earn 4.6% APY with direct deposit

Referrals - Use my referrals and we each get bonuses. 💸

• [75,000 points] Capital One - Venture 

  • Spend $4,000 in the first 3 months. Earn 2x points on all purchases. No foreign transaction fees!

  • Use my referral link! https://i.capitalone.com/G6qkhxdX3 

• [$200] Chase - Freedom

  • Fantastic starter cards, low APR offers, great for building credit

  • Use my referral link! https://www.referyourchasecard.com/18o/6UXR5H4X0P 

• [80,000 miles] Chase - United

  • Excellent airline credit cards. Get club passes, low APR offers, free checked bags, and more

  • Use my referral link! https://www.referyourchasecard.com/215u/TUCE4KEXHW  

• [250,000 points] Chase - Marriott

  • Use my referral link! https://www.referyourchasecard.com/252f/4XEOZT2583  

• [Pay rent, earn points] Bilt Rewards

  • Earn 1x on rent payments without the transaction fee, 2x on travel, and 3x on dining. No annual fee!

  • Use my referral link! https://bilt.page/r/8SMK-D04T 

• [60,000 MR + $50] Amex Gold

  • Earn 4x points on restaurants, 4x points on groceries, 3x on flights , 1x on everything

  • Get 20% back in statement credits on restaurant spending for the first 3 months, up to $50

  • Get a $120 dining credit and $120 Uber cash each year (each available as $10 per month)

  • Use my referral link! https://www.americanexpress.com/en-us/credit-cards/referral/prospect/card/gold-card?ref=RICHAD555J&XLINK=MYCP

• [150,000 MR] Amex Platinum

  • Benefits include annual $200 hotel credit, $240 digital entertainment credit, $155 Walmart+ credit, $200 Uber credit, and $200 airline credit

  • Does have a $695 annual fee, but the benefits more than offset the cost. Plus, earn a massive bonus!

  • Use my referral link! https://americanexpress.com/en-us/referral/LIRONWg10P?XLINK=MYCP 

• Amex Blue Cash Preferred - Coming Soon!

Honorable Mentions - The following are honorable mentions. Decent bonuses, low introductory APRs, and good cash back. 

• Citi Custom Cash - 5% on top spend category, 0% APR. $200 Bonus - https://www.citi.com/usc/LPACA/Citi/Cards/CustomCash/ps/index.html

• Wells Fargo Active Cash - 2% everything, 0% APR. $200 Bonus - https://creditcards.wellsfargo.com/active-cash-credit-card

Referrals - Use my referrals and we each get bonuses. 💸

• [$750-$1000] Chase Ink - Huge offers for new cardmembers!

  • Business Premier - Get $1000 cash back after spending $10,000 in the first 3 months. 2% cash back (2.5% on purchases over $5,000)

  • Business Unlimited - Get $750 cash back after spending $6,000 in the first 3 months. 1.5% cash back on everything! No annual fee!

  • Business Cash - Get $750 cash back after spending $6,000 in the first 3 months. 5%-2%-1% category cash back. No annual fee!

  • Business Preferred - Get 100,000 points after spending $8,000 in the first 3 months. 3/1 point categories.

  • Use my referral link! https://www.referyourchasecard.com/21p/JQNIWSD1ZO 

• [150,000 MR] Amex Business Platinum - Amazing referral offer for new cardmembers!

  • Spend $15,000 within 3 months of opening, get a massive 150,000 Membership Rewards points 

  • Use my referral link! https://americanexpress.com/en-us/referral/RICHADddAf?XL=MNMNS 

• [Various Offers] Chase Marriott - Free nights and huge point bonuses!

  • Boundless - Get 5 free nights after spending $5,000 in the first 3 months

  • Bold - Get 30,000 points after spending $1,000 in the first 3 months. No annual fee!

  • Bountiful - 85,000 points after spending $4,000 in the first 3 months.

  • Use my referral link! https://www.referyourchasecard.com/252f/33B5SR5CY2

1. [3% Match] Robinhood - Get a 3% match on traditional and Roth IRA contributions AND rollovers and transfers

   • Requires Gold subscription, costs $5 per month. 5 year lockup period. Full details: https://robinhood.com/us/en/about/retirement/

• Contribute towards 2024 limits. Contribute towards 2023 limits until April 15th

• Transfer that old 401k! Consolidate your IRAs! Get a 3% match on top! 

• I personally consolidated a few IRAs and did a rollover and made several thousand with a few button clicks. 

• Use my referral code when opening, get some extra free stock - https://join.robinhood.com/richard-fce23c 

2. [1% Match] Interactive Brokers - 1% bonus with my referral code. Huge!

   • For every $100 deposited, receive $1 in $IBKR stock, up to $1000. 

   • Deposit must be maintained for 1 year to vest. Full details: https://www.interactivebrokers.com/en/trading/referral-member-to-member.php

   • Referral link (Coming soon!)

3. [$100] M1 Finance - Referral Bonus - https://m1.finance/tFl_JDLQ0eQj 

   • Deposit at least $10,000 within 30 days, maintain balance for 30 days. Full details: https://m1.com/100-referral/

   • M1 also runs very large transfer bonuses for existing users, more info found here: https://m1.com/transfer/promo-20k/

4. [8.1% APY] MooMoo - Referral Bonus - https://j.moomoo.com/00yIUb

• Deposit $100 and get Free LV2 data with live pricing. Deposit $1000 to get 15 free stocks. Deposit $5000 and I'll get extra referral bonuses

• APY booster is effective for 3 months on up to $20,000 in cash sweep with activated coupon. Offer ends 3/31/2024.

• MooMoo likes to run regular Transfer Bonuses, where you get cash coupons for transferring in new cash or assets.

• Full list of ongoing MooMoo promotions can be found here: https://www.moomoo.com/us/support/categories/827

5. [$5,000] Tastytrade - Excellent tiered bonus! The more you deposit, the more you earn

   • Get $2000 bonus on funding account with $100,000!

   • Promotion link, use code “MYNEWBONUS”, expires 3/31/2024 - https://info.tastytrade.com/tasty-offer

   • Alternatively, use my referral link (coming soon!)

Coming Soon!