Below are my referral links and referral codes. Thank you for using any of them.
If you have any questions or comments about anything, please send me an email at dealsarenice@gmail.com and I will respond to you as soon as I can.
If anything written is inaccurate and/or if a link no longer works, please let me know so I can update my site.
The Best Offers
Ally ($100 for you and $50 for me): Ally Referral Link
Blue Foundry Bank (BFB) ($600 + $25 gc for you and $25 gc for me):
This is available Nationwide; enter your information by going through my referral link here: Blue Foundry Bank Referral Link
Then sign up for the $600 offer ($300 checking + $300 savings) that is mentioned in the below post either online or in-branch. Read through my comments in at this link for more info: DoC Blue Foundry Post
Chase Checking ($400 for you and $50 for me; note that this is only worth doing if you are unable to do the savings aspect of the $900 Chase combo offer):
Chase Freedom Unlimited (CFU) (30K UR points): CFU Referral Link
Chase Sapphire Preferred (CSP) (75K UR points): CSP or CSR Referral Link
Chase Sapphire Reserve (CSR) (125K UR points): CSP or CSR Referral Link
Citi referral link ($100 for me and $325 for you) (my Citi referral code: 1003615875):
Digital Credit Union (DCU) ($50 for you and $25 for me): there are 3 ways to qualify for the $50 bonus and all of the info is mentioned at this link: DCU Referral Offer Info; here is my referral link: DCU Referral Link
Discover Credit Card ($100 for each of us): Discover Card Referral Link
First Florida CU (FFCU) ($50 for you and $50 for me):
This is available nationwide through the ACC. I applied with my Chex frozen and was approved immediately and funded $500 with my CFU.
Sign up using your information (I recommend using a fresh ReferLife email address so you can track your stats) using my referral link here:
First Florida CU Referral Link
Flagstar (up to $700 for you and $50 for me):
Sign up using your information (I recommend using a fresh ReferLife email address so you can track your stats) using my referral link here:
After receiving the RL email from Flagstar, sign up for either the $300 (online) or $500 (in-branch) offer found here: https://www.flagstar.com/promo/retail/checking-cash-offer.html
Note that both offers mention that they cannot be combined with other offers. However, in the past RL offers did stack with public offers but YMMV.
KeyPoint CU ($300 for you and $100 for me):
Please email me and I will send you my referral information along with detailed instructions for opening the account.
Kudos ($20 for each of us for signing up and making 1 purchase at a "Boost" merchant) (my Kudos referral code is ERIC_KUDOS_205527): Kudos Referral Link
Laurel Road HYS (up to $200 for you and $50 for me) (valid through 6.30.25): Laurel Road HYS Referral Link
LMCU ($100 for each of us): LMCU Referral Link (valid through 4.4.25)
Marcus (.25% increase in APY for each of us for 3 months); This can be combined with the new (up to $1500) Savings offer. Marcus Referral Link
M&T Business ($150 for you and $50 for me): M&T Business Referral Link
M&T Personal ($450 for you and $50 for me):
Note that only certain states are eligible for the $400 offer. According to DoC, these states are eligible but YMMV: (CT, DC, DE, MA, MD, ME, NH, NJ, NY, PA, VA, VT, WV). The application will let you know after you enter your zip code if you are eligible or not.
Before doing the $400 checking offer, make sure sign up using your information (I recommend including a new ReferLive email address) using my referral link here: M&T Referral Link
Then sign up for the $400 publicly available offer here to open a MyChoice Premium Checking account: https://campaigns.mtb.com/400premiumbonus
Moomoo ($300 for a $20K ACAT transfer OR 7 $5+ free shares on a $100 deposit): Moomoo Referral Link
OnPath FCU ($150 for each of us); register at my link BEFORE applying and then open the High Yield (7% APY) or Cash Back checking account and then have a $250+ DD post to the account and make 15 $10+ debit purchases within 60 days of opening: OnPath FCU Link
On Tap CU ($50 for you and $50 for me but you are probably better off doing the public $150 offer);
This is available for CO residents only (used to be available nationwide). They don't pull Chex. I provided some important information about the bonus at these 2 links: Eric's On Tap Comment #1 and Eric's On Tap Comment #2.
Make sure to enter my referral code (found on my referral link page) and the $150 promo code (CHECKING150) on the last page of the app so we both will get credit:
PSECU ($300 for you and $50 for me): PSECU Referral Link
ShopBack ($20 for you and $30 for me for signing up and making either $5 of purchases, accumulate $5 in CB or accumulate $10 in CB within 180 days of membership as there terms are conflicting): ShopBack Referral Link
Stash ($30 for each of us for making a $5 deposit plus a $3/month plan is required for service): Stash Referral Link
TBK ($250 (or $325) for you and $50 for me):
This is available Nationwide and they don't pull Chex. I provided some other important information about the bonus at this link:https://www.doctorofcredit.com/co-ia-il-ks-tx-tbk-bank-700-checking-bonus-75-tbk-at-work-bonus/#comment-2094748.
Before doing the $250 (or $325) public offer, make sure sign up using your information (I recommend including a new ReferLive email address) using my referral link here: TBK Referral Link
Then sign up for the $250 (or $325) public offer here to open AIM Checking and Savings accounts (you might need to do 2 separate apps): https://www.tbkbank.com/personal/personal-checking/aim-checking/
Note that there was a higher $700+ offer in 2025 so you might want to wait for that to return.
The Rest of the Offers
Affinity FCU ($100 for each of us): Affinity FCU Referral Link
Apple FCU ($25 for each of us): go through my referral link and open a Checking account; use my referral code (DMRQCABFH4X) on the app and then use your debit card at least once within 60 days of account opening: Apple FCU Referral Link
BeFrugal ($10 for you and $35 for me): BeFrugal Referral Link
CardCash ($5 off $25 coupon for signing up): CardCash Referral Link
Cash App ($5 for each of us after you send $5 to someone) (note that you will need to enter my referral code 1PFVPPV8 after signing up): Cash App Referral Link
Chime ($300 for me and $100 for you): Chime Referral Link
Columbia Bank ($50 for each of us): referral code: P195755
Communication FCU (CFCU) ($50 for each of us): CFCU Referral Link
Fetch Rewards (2000 points for you and 4000 for me): Fetch Rewards Referral Link
Fluz (3 $3.50 vouchers): Fluz Referral Link
GiftCardGranny (I will receive $5 after you make a $50+ purchase; GCG sells $500 Visa gc so that could be useful for you): GiftCardGranny Referral Link
GTE Financial ($45 for each of us): Please email me with your First Name and email address and I will send you a referral link.
Ibotta ($10 for each of us): Ibotta Referral Link
InboxDollars ($5 for signing up): InboxDollars Referral Link
Mr Rebates: Mr Rebates Referral Link
MyPoints ($5 for signing up): MyPoints Referral Link
Netspend ($20 for each of us): Netspend Referral Link
Pogo (receipt app) (250 points for you and 250 for me after you earn 5000 points) (enter my referral code 973XM3 when you sign up): Pogo Referral Link
Porte ($50 for each of us): Porte Referral Link
Price.com ($10 for you and $30 for me if you sign up and accumulate $10+ in CB): Price.com Link
Rakuten (formerly Ebates) ($30 for each of us): Rakuten Referral Link
Sunward: It appears that there is no current referral offer going on right now but if you are signing up for any account, you could add my referral code and it's possible that it will stick work. Here is info for the expired referral program: https://gosunward.org/articles/refer/. My Sunward referral code is lmb53 (the 1st digit is a lowercase "L")
ReceiptJar (receipt app on phone) (200 points for each of us) referral code: ERICLMMH4
RebatesMe ($35 for each of us after you accumulate $10 in CB): RebatesMe Referral Link
Rewardia (3000 points bonus for you after reaching 3000 points): Rewardia Referral Link
Robinhood (2 free shares): Robinhood Referral Link
SoFi Money ($10 for each of us for joining): SoFi Money Referral Link
SurveySavvy (take surveys and do other paid studies): SurveySavvy Referral Link
Tellwut (400 points for signing up to take surveys and answer member polls):
Swagbucks (1000 Sb when you spend $25+): Swagbucks Referral Link
UniqueRewards ($5 gc for signing up): UniqueRewards Referral Link
Upromise ($30 bonus): Upromise Referral Link
US Bank Cash+ ($200 for you and $50 for me): send me an email and I will send you a referral link
WeBull (receive free shares): WeBull Referral Link