Favo's referrals

There’s currently a strong stackable offer combining Capital One Shopping and Kraken’s referral program. By signing up the right way, you can net $295 total for completing one $200 crypto trade.

$220 cashback from Capital One Shopping (Kraken offer)
$75 in BTC from Kraken referral
= $295 total

Step 1 – Capital One Shopping ($220 offer)

Install the Capital One Shopping extension to your browser if you haven’t already.
Visit Kraken.com once with the extension enabled. The first time you might see a smaller offer ($22 or $55).
Within a couple of days, Capital One Shopping should send you an elevated $220 offer email.
Open the email, click Unlock Your Offer, and activate it in the Capital One Shopping extension before starting signup.

👉 If you don’t already have Capital One Shopping, you can also get their $40 signup bonus by signing up here:

Capital One Shopping Referral Link

Step 2 – Kraken referral signup ($75 BTC)

Start Kraken signup directly from the Capital One Shopping session mentioned above.
Enter my referral code: rrg4k7wk in the invite code field, and click "Apply"
You should see confirmation: “Your code has been applied. You are on track to earn $75 USD for you and your inviter.”
Deposit $200+ via bank ACH or wire.

👉 Kraken referral terms: Kraken Referral Program

Step 3 – Complete the trade (important, need to be done in the mobile app)

Download the Kraken mobile app (trades must be done in the app).
Buy at least $200 worth of non-stablecoin crypto (BTC, ETH, etc.).
⚠️ Website trades and stablecoin trades (USDC/USDT) do not count for the referral bonus.

Optional – Spin to Win

After your first trade, some accounts will see a Spin to Win button in the app.
If available, you get 1 spin/day for 30 days with free crypto rewards.
Must start your first spin within 7 days of your first trade to unlock the campaign.
Not everyone has access yet (rollout is ongoing).

Bonus Timeline

Capital One Shopping $220 cashback: shows as pending in Rewards & Savings within ~3 days.
Kraken $75 BTC referral bonus: usually posts within 1–3 weeks (terms allow up to 21 days).

In Short

Activate the $220 Kraken offer in Capital One Shopping.
Sign up for Kraken with referral code rrg4k7wk.
Deposit $200+ and place a $200+ trade in the Kraken app (non-stablecoin).

That’s $295 bonuses for one $200 trade, plus a shot at free crypto from Spin to Win.

✅ My Capital One Shopping referral ($40 bonus if new):
capitaloneshopping.com/r/9456ade4-5111-436e-bc35-a4643ace36d0

✅ My Kraken referral code: rrg4k7wk
Referral terms: Kraken Referral Program

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💎 TBK Bank, $700 bonus + $75 referral bonus, Nationwide, No chex, expires 09/26/25

Register for Referlive for the $75 referral bonus here: https://io.referlive.com/KpKvcs

TBK Bank is offering a huge bonus stack for new AIM Checking accounts — open online anywhere in the U.S., no ChexSystems!

Total Potential Bonus: $775

$700 from TBK (broken into parts below)
$75 ReferLive Bonus (my referral link https://io.referlive.com/KpKvcs )

How to Earn (within 120 days):

$500: 3+ direct deposits totaling $12,000+
$75: 9 bill pays (any amount)
$75: 50 debit card purchases
$50: 3 recurring transfers to a TBK savings/MM account
$75: ReferLive (via my link) — just $500 DD or 10 debit purchases
$75: TBK at Work (requires employer participation + code)

Each bonus is independent. Earn what you qualify for. TBK pays out the day after the 120-day window ends. ReferLive pays in 4–6 weeks.

How to Apply:

Register via ReferLive link to get the $75 gift card at https://io.referlive.com/KpKvcs
Apply for AIM Checking at tbkbank.com/personal/open-account
- Request a debit card
- No promo code needed
- Opt out of overdraft protection

Offer valid from 6/24/25 to 9/26/25

Account Info:

Soft pull on TransUnion (unfreeze TU first)
No ChexSystems, may check EWS
Approval via phone calls: TBK will call to verify ID, collect documents, and finalize approval
Fund by ACH or mobile deposit (no debit/credit card funding)

After Opening:

Register for online banking
Open a TBK savings account (for $50 bonus)
Enable eStatements to avoid $5 fee

Monthly Fees:

AIM Checking: $24/month waived with $4,000+ DD or $5,000 balance
Savings: $3/month waived with $50+ balance or recurring transfer

Notes:

Credit card funding doesn't work
Past DDs from Schwab & small POS purchases have worked
Bill pay to credit cards qualifies

Click here to start with my ReferLive link: https://io.referlive.com/KpKvcs and stack that extra $75 on top!

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💵 Christian Community Credit Union – $200 Bonus + $50 Referral, Nationwide, expires 10/31/25

Christian Community Credit Union (CCCU) is offering a $200 bonus for opening a Harvest Checking and High-Yield Savings account — with minimal requirements. Stack this with a $50 referral bonus (use my referral link https://share.mycccu.com/billssophiewang) for a total of $250!

📝 Bonus Breakdown

✅ $200 Account Opening Bonus

Harvest Checking:
- Enroll in eStatements
- Register for online banking
Harvest High-Yield Savings:
- Maintain a $5,000 balance by Day 30
- Earn 5.00% APY on up to $5K

🎁 $50 Referral Bonus

Register with the referral link before applying for the account (https://share.mycccu.com/billssophiewang)
Keep the account open for at least 60 days
Referral bonus comes as a $50 Visa® eGift Card

📌 Key Details

Nationwide Eligibility: Join CCCU by selecting Christian Alliance for Orphans (CAFO) during application — no fee.
Apply for the account here after registering for the referral bonus: https://www.mycccu.com/bee-b/
Promo Code: Use code "Bee" during the employment info step.
Application Notes:
- Add both accounts to your application — you may need to use the back arrow to add both
- Requires driver’s license and selfie verification
- No hard pull, but does use ChexSystems
- $500 credit card funding allowed (Citi Double Cash worked as a purchase)
  CCCU is privately insured, not NCUA

🧾 Tips & Requirements (from fine print)

To qualify for both the $200 bonus and 5% APY, you must:

- - Enroll in online banking and eStatements within 60 days
  - Activate your CCCU debit card
  - Have $500 in total deposits per calendar month into checking for the first 60 days
  - Keep $5K+ in savings until the bonus posts

- - 💡 eStatements setup requires a separate enrollment — different username & password.

🔗 Register here for the $50 referral bonus and get started https://share.mycccu.com/billssophiewang

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🎁 Ally $100 Referral bonus (Checking or Savings) - Nationwide - expires 12/31/25

Ally Bank is offering a $100 referral bonus for new customers — works for either checking or savings.

🔹 For Checking:

– Open a new Ally Spending Account using this referral link
– Fund the account within 30 days
– Set up and receive a real direct deposit (payroll or government) within 60 days
– $100 bonus posts within 30 days of DD

🔹 For Savings:
– Open a new Ally Savings Account using the referral link
– Set up and start a monthly automated transfer within 30 days
– Complete 3 consecutive monthly transfers
– $100 bonus posts within 30 days of the 3rd transfer

📌 Note:

You must be new to Ally Bank
Cannot be combined with Swagbucks or other signup offers

👉 Apply at this referral link: https://ally.com/referral?code=4T6Q5X5B4M&CP=WebAppReferFriend

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🏆 Raisin, Up to $1000 tiered bonus, Nationwide, no expiration date.

Apply here: https://www.raisin.com/

Referral Code: zhishanw062956

Raisin is offering a cash bonus for new users when you sign up with a referral code and meet a few simple requirements.

💵 Bonus Tiers

Deposit Amount

Bonus

$10,000 – $24,999

$75

$25,000 – $49,999

$250

$50,000 – $99,999

$500

$100,000+

$1,000

✅ Requirements

Open an account using referral code zhishanw062956
Deposit within 14 days
Maintain the full balance for 180 days

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⭐ Patelco $200 Referral Bonus_ Nationwide, expires 10/31/25

Patelco is offering $200 for new members who join with a referral code.

Appy here: https://www.patelco.org/campaign/refer

Referral code: R8N4HTQL

👉 When applying: On the first page, click “+ Have a referral code?”, enter the code, and click Submit. Make sure you see the success message before moving forward.

Bonus breakdown (must complete within 90 days):

$100 – Open Free or Interest Checking with referral code, enroll in eStatements, and receive $500+ qualifying direct deposit (payroll/benefits ACH) for 2 consecutive months.
$50 – Open a Money Market account (Plus or Select).
$50 – Enroll in RoundUp (spare change from debit purchases goes into savings).

💡 Money Market and RoundUp can be done any time within 90 days after account opening — no need to wait until the DD requirement is finished.

My Experience (DP)

Old DoC posts suggested Patelco was Chex sensitive, especially for out-of-state (OOS) applicants, but I decided to try anyway. It seems they’re no longer as strict, here is my DP:

Applied OOS with Chex 2/1, 3/2, 5/3, 6/4, 7/5, 8/6, 21/12, 39/24.
First attempt with Chex frozen failed (“Sorry we could not verify your identity”).
Thawed Chex and reapplied → Chex pulled instantly, status went pending.
A few hours later, got an email: conditionally approved with instructions to sign DocuSign for FFA (not needed if in-state).
I Docusigned and also emailed back the PDF (probably unnecessary, but the email asked).
One day later, received my approval email.

So despite having many recent Chex inquiries, I was approved with no questions asked.

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🪅 FutureCard $38 Bonus – Easy No Chex / No Credit Check

FutureCard is offering a quick $38 bonus with simple requirements. No ChexSystems, no credit check, and you get a virtual card instantly after signup (no need to wait for the physical card).

How to Get $38

Sign up on mobile via referral link → FutureCard $15 referral bonus
Fund $20 with debit (system minimum) → $5 bonus posts instantly.
Activate and complete 3 mini offers ($10/$5/$3) → spend $10 online (Amazon reload, utility bill, etc.) → $18 bonus posts.
$10 – $10
$5 – $5
$3 – $3
Add another $20 the next day (one debit load per day for new accounts), then spend $50 → referral $15 bonus posts.

Total = $38 Bonus

$5 (funding)
$18 (mini offers)
$15 (referral)

✅ No Chex
✅ No credit check
✅ Instant virtual card

👉 Sign up here for FutureCard $15 referral bonus

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💸 Varo Money- $100 referral bonus_ no chex pull, soft pull credit

How it works:

Sign up with my referral link
👉https://varomoney.com/r1/?r=Zhishan

Receive a $500+ direct deposit within 45 days.

Both of us get $100!

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🔔 HSBC Premier Checking, $1500 or $2500 referral bonus, nationwide, expires 12/31/25

Apply here : us.hsbc.com/refer

Visit us.hsbc.com/refer to apply for the new account. You'll need to input the referral code and the referrer's full name when prompted. Email me for my full name and referral code, my email can be found at the top of this page.

Requirements:

(1) meet Qualifying Balance (listed below) in New Money in deposit and/or eligible investment accounts within 30 calendar days of account opening; and

The New Account bonus is $1,500 for a New Account with Qualifying Balances of $100,000.00–$249,999.99 in deposit and/or eligible investment accounts OR $2,500 for a New Account with Qualifying Balances of $250,000 or more in deposit and/or eligible investment accounts.

(2) maintain the Qualifying Balance for 3 full calendar months after account opening.

Note that Referred customers who have a current or past HSBC account in the U.S. on file are not eligible for this offer.

Editor's notes:

Please send me an email (my email can be found at the top of the page) and let me know if you would like to use my referral, so that I can email you my full name (the application asks for the referrer's full name aside from the referral code) and make sure to keep my account open till after you get your bonus.
Checking, savings, self-directed brokerage, CDs are all qualified accounts to hold the new money for the maintenance period.
Open checking first through the referral link, then apply for savings and/or brokerage accounts. After checking is funded, you can also buy online CDs of 6, 12, or 24 months.
The relationship savings rate for the savings account can be 3.75% (as of 02/01/2025) but only if a $5,000 direct deposit or $500 debit spend is settled in the PREVIOUS month. HSBC seems to be running a savings promotion right now, for new savings account holders they are offering the relationship rate for the account opening month and the first three months even if the direct deposit or debit requirements are not met, but if you want to take advantage of that I recommend confirm with customer service that the savings rate promotion is automatically applied.
Self-directed brokerage can buy us stocks, ETFs and mutual funds for $10.99 per online trade. You can buy fixed income like bonds or t-bills if you call in with a cusip number and they can place the trade for you for $35/order. If you do not buy any of these, the fund will sit in a default government money market fund HGDXX (HSBC INVESTOR US GOVT CLASS A) which current 7-day yield is around 4.03% (as of 02/01/2025).
The fund can move between these accounts in the maintenance period as long as the combined balance does not drop. The maintenance period is 3 full calendar months following the month when you opened the account.
In my opinion, opening a checking and a brokerage account and having the fund sitting in the default government money market fund (core position) for 3 months is superior to having the money in the savings or CDs.
After the maintenance period if your balance drop below $75k or $100k (if your account is opened after August 29), there is a $50/mo account fee unless you have a $5,000 direct deposit into the account per month.

Make sure to keep some balance in the premier checking even if you decide to use savings, brokerage or CDs to satisfy the combined balance requirement. Some people reported their checking was closed due to zero balance thus they didn’t receive the bonus although the combined balance requirement was met.

It appears HSBC is very lenient on what works as direct deposit. Most ACHs work. If you’d like to use direct deposit to keep the account free from fees after getting the bonus, it is better to test it while in the maintenance period when the fee is not accessed anyway. Test a $5,000 direct deposit and watch whether you get 3.75% interest rate for the relationship savings in the next month, if the rate is 3.75%, then the direct deposit worked.

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🎉 OnPath Federal Credit Union, $150 bonus, Nationwide, no expiration date.

Register here: https://bit.ly/3Sknwrw

To earn the $150 Visa® Reward Card:

Register via the link above BEFORE applying and then open a new OnPath FCU High Yield Checking account (7% APY), and complete the following within 60 days of account opening:

1) Make ten (15) or more debit card transactions of $10 or more (excluding ATM transactions), AND

2) Have one (1) or more direct deposits totaling at least $250.

This offer is nationwide by making a $5 donation to the OnPath Foundation, an eligibility option on the 1st page of the application.

You can generate your own referlive link and refer others after your account is opened. The High Yield Checking account offers 7% APY on a balance up to $10,000 if you meet the following requirements: Log into online or mobile banking at least once per calendar month, be enrolled in and receive e-statements, and have at least 15 debit card purchases post and settle per calendar month.

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💎 PSECU, $300 Bonus, Nationwide, Expires 12/31/25.

Click on this link to apply.

PSECU $300 New Member Bonus – Key Requirements

Promotion Period: January 1, 2025 – December 31, 2025

Eligibility:

Open to U.S. residents aged 18+
Must use promo code 300REFER when applying
Must not be a current PSECU member, have closed an account in the past 12 months, or have received a new member bonus in the past 12 months
Limit one bonus per tax ID

Steps to Earn $300 (Must Be Completed Within 100 Days):

Open a PSECU account – Must be approved for both a savings & checking account with a debit card
Enroll & log in to digital banking (online or mobile)
Set up & receive 2 direct deposits of $500+ each from payroll, Social Security, or pension payments into savings or checking

Bonus Payout:

Your eligibility will be reviewed after 100 days, and the bonus will be deposited within up to 45 additional days (total max: 145 days from account opening)
Bonus is taxable; consult a tax professional if needed

Other Terms:

PSECU provides the initial $5 deposit to open a savings account
Account must remain open for at least 1 year, or the $5 deposit will be forfeited
PSECU may change or end this promotion at any time

More details: psecu.com/promo/refer

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🧧 On Tap Credit Union, $150 bonus, Nationwide

Click on this link to apply.

Nationwide with a $5 donation to GoWest to become a GoWest Friends of the Foundation member. No chex-pull, no hard credit pull.

Requirements:

(1) Minimum direct deposit of $500

(2) 10 debit cards transactions within the first 90 days of account opening

(3) Checking account and direct deposit must be maintained for 6 months

Please note even if you click on the referral link to apply, you will still need to manually put the referral code ZHISHANWAN13 in the referral code field of the application, the code doesn't automatically populate. On Tap kept changing their promo's terms, now the terms say "Must include unique referral code AND promo code CHECKING150 at time of account opening to be eligible for the promotion. However there is only one space in the application, so you will have to contact On Tap to have them apply the second code to the application.

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✨ Premier Member Credit Union, $50 referral bonus, nationwide

Apply here: https://www.pmcu.org/refer-a-friend/VFVJPQRVS/

Or use Referral code: VFVJPQRVS

The referral is for money market account, which promo is for new member. They also run promo for checking account sometime, and the checking promo applies to existing member without checking as well. So you can open the money market with referral first and apply for checking later or stack the two in one aplication. They pull chex for new membership application, but not chex-sensitive. Also existing member can apply with chex fozen.

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💵 Keypoint Credit Union, $300 Checking Bonus, nationwide, no expiration date

Apply here: https://kpcu.com/About/Events/Refer-a-Friend

At account opening, provide promo code RAF25 and the name of the referring member. You can email me for my name; my email is at the top of this page.

Requirements:

To receive the $300 bonus, Referred Member must

(1) not have an account or loan with KeyPoint in the previous two years,

(2) open a KeyPoint checking account with at least $10,

(3) establish a minimum $1,000 recurring monthly direct deposit to KeyPoint, and

(4) have first direct deposit post within 60 days of account opening.

Referred Member receives bonus of up to $300 in six monthly $50 installments, one for each consecutive month account receives at least $1,000 by direct deposit. Disruption of direct deposit during first six months will terminate bonus payments.

Editor's notes:

There is also a $100 bonus for opening a 5-month or 12-month CD with $25,000 new money, and a $100 bonus for an auto or personal loan, under the same promotion, if you choose to do so.

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🟣 Chime via InboxDollars, $525 Bonus, Nationwide, Expires 2/28/25

How to Claim Your $525 Bonus:

Create an InboxDollars account through this link here (if you don’t already have one).
Find the Chime $525 offer within InboxDollars and sign up while logged in.
Complete the bonus requirements:
- Receive two qualifying payroll direct deposits of $200+ each.
- The first direct deposit must arrive within 30 days of opening your Chime account.

Important Notes:

The portal initially shows a $10 reward in your activity log.
A few days after meeting the direct deposit requirements, it updates to reflect the full bonus amount.

This is one of the highest-paying Chime offers, so it’s worth taking advantage of while it lasts!

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🔷 Delta Community Credit Union, $50 referral bonus, nationwide

Apply here.

Requirements:

Apply using the referral link, fund a checking account with $50+ and have 10 debit card transactions within the first 60 days of account opening.

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PERSONAL ACCOUNT BONUSES - Geo-restricted

⭐ CU of the Rockies, $50 / $100 bonus, CO-only, no expiration date.

Send me an email if you'd like a referral. Email-me link can be found at the top of this page.

$50 / $100 Checking bonus with Giddy-up Money market account that has an incredible 52.8% APY on a balance up to $500.

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💰 Commerce Bank, Up to $1000 or $700 bonus + possible stackable with $50 referral bonus

Commerce Bank is currently running a couple of targeted or geographically restricted promotions. If you qualify, these are some of the best checking account offers available right now. Here are the links to both offers:

💰 Up to $1,000 Bonus for Residents of Denver, Arapahoe, or Jefferson Counties in Colorado (Promo Code: Denver0725)
https://www.commercebank.com/personal/2025/denverbonus
💰 Up to $700 Bonus (Promo Code: Jul25NewBonus)
https://www.commercebank.com/personal/2025/checkingbonus

In addition, Commerce Bank has a referral program through ReferLive, where both the referrer and the referee receive a $50 Visa Reward Card. I haven’t seen any confirmed data points (DPs) showing whether the referral bonus stacks with the Denver0725 or Jul25NewBonus promotions. However, based on past experience, ReferLive bonuses often track separately and can stack, even if the fine print says otherwise.

If you want to try stacking, register with ReferLive before opening the checking account either online or in branch using one of the promo codes.

👉 Register for the referral offer here:
https://io.referlive.com/miDcq5

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🎀 Wings Credit Union, $300 checking bonus + $50 referral bonus, [MN, WI, MI, FL, GA], expires 08/31/25

Register for the referral offer here: https://io.referlive.com/Nt3E03

Then apply here: https://www.wingscu.com/checking/summer-25

Requirements:

Wings Credit Union is offering a $300 bonus when you open a new Share Savings and Everyday Checking account by August 31, 2025 and meet the simple requirements within 60 days.

✅ Who’s Eligible?
This offer is for new members 18+ who live or work in select counties in Minnesota, Wisconsin, Michigan, Florida, or Georgia (see full list below). You must not have been a Wings member or received a bonus in the last 12 months.

✅ How to Get the $300 Bonus:

Open a Share Savings and Everyday Checking account by 8/31/25 (use promo code SUMMER25 if applying online).
Fund the Share Savings account with at least $5 within 30 days.
Set up direct deposits totaling $3,000+ within 60 days (must be traditional payroll, not gig work or self-employment).
Enroll in digital banking and eDocuments (must remain enrolled through payout date).
Make 15+ debit or credit card purchases of $25+ each within 60 days.

💡 When Do You Get Paid?
Bonus will be deposited to your Wings checking account by November 7, 2025 if all requirements are met and your account remains in good standing.

📌 Promo Code: SUMMER25 (required for online applications)
📌 Must join by: August 31, 2025
📌 Bonus payout: By November 7, 2025
📌 Federally insured by NCUA

† Eligible Counties Include:

MN: Hennepin, Ramsey, Dakota, Anoka, Washington, Scott, etc.
WI: Dane, St. Croix, Winnebago, etc.
MI: Wayne, Oakland, Macomb, etc.
FL: Orange, Osceola, Polk, etc.
GA: Fulton, Cobb, Dekalb, etc. (Full list on WingsCU.com)

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🏆 Central Bank Checking, $300 Bonus, OK, IL, KS, MO & CO only, Expires 12/31/25.

Send me an email if you'd like a referral. Email-me link can be found at the top of this page.

Here are the requirements for How To Get $300:

Choose A Checking Account except free checking
$50 Minimum For Account Opening
2 Direct Deposits ($250 or more) Within 90 Days Of Opening The Account

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BUSINESS ACCOUNT BONUSES - nationwide

💸 Grasshopper Bank Business Checking $200 referral bonus, Nationwide

Grasshopper is offering an easy $200 bonus when you open a new business checking account with my referral code.

Bonus: $200
Requirement: Keep at least $2,000 in the account on day 90 after opening
No average balance requirement — just $2,000 on that one day

That’s it. Open with the code, set a reminder a few days before Day 90 to make sure the $2000 balance is there, and get paid.

Apply here: https://www.grasshopper.bank/

Referral Code: 9c822d38047f

For full terms of the referral bonus, see here

https://www.grasshopper.bank/wp-content/uploads/2025/04/Referral-Program-Terms-Conditions-.pdf

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💰 Novo Business Checking, $40 Bonus, nationwide, no expiration date.

Click on this link to apply.

Requirements to earn $40: Open an account and fund with $100 within 30 days, and keep the balance at $100+ for 30 more days.

Nationwide, no Chex/EWS or Hard pull, but no CC funding. Bonus stacks with Revenue Universe on Swagbucks/MyPoints, etc. by using my Referral Code (Referral Code can be found in the link above) during the signup process. Simple signup, but do expect to have to provide Novo with a short description of what your business does, who its customers are, and how it makes money as part of the application. Sole Proprietors using SSN as EIN, doing business as first & last name, are accepted. No document uploads were requested other than ID. This account also offers free payment feature, which can be useful for fulfilling Direct Deposit requirements at some other banks for bank bonuses.

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💰 Chase Business Checking, Up to $500 bonus, Nationwide

New Chase business checking customers can earn up to $500 by opening a Chase Business Complete Checking® account using a referral link and completing a few qualifying activities. Plus, Chase Business Checking is a super reliable tool in meeting Direct Deposit requirements for other bank bonuses.

👉Apply here: https://accounts.chase.com/business/share/2017630585

Bonus Tiers:

Earn $300 when you:

Deposit $2,000 or more in new money within 30 days of enrolling in the offer
Maintain that balance for 60 days
Complete 5 qualifying transactions within 90 days

Earn $500 when you:
Deposit $10,000 or more in new money within 30 days
Maintain that balance for 60 days
Complete 5 qualifying transactions within 90 days

Qualifying transactions include:

Debit card purchases
Chase QuickDeposit℠
ACH credits
Incoming/outgoing wires
Online Bill Pay
Chase QuickAccept® card payments

Monthly service fee: $15, but can be waived if you meet certain activity or balance requirements.

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💰 RAMP $250 bonus, Nationwide

Apply here: https://ramp.com/?rc=9SKE6U&referral_location=referral_page

Get $250 , after your first balance payment of over $1,000

No chex pull, no EWS pull, soft pull credit.

Need to apply with business email (non-gmail), website can be "not applicable".

Need to link an external bank account with $25k+ balance in the application, but the balance can drop after the application is approved.

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