Sign up. Get paid. Get paid again.

[No Chex][Bank] Regions Bank - $450 Bonus + $15 Cash Back

Summary

Open a LifeGreen checking account at Regions Bank and receive $400 bonus. Stack with my referral for another $50 bonus.

[Limited Availability] You will get extra $15 as cash back from me. (kindly confirm with me on availability before sign-up)

Steps

1. Register for LifeGreen checking account $400 promo here

2. Email me with your name and email (same email used to register for $400 promo)

3. I will register you for my referral and you will receive a confirmation email with another referral form you need to complete (separate from the $400 promo form)

4. Within 60 days of account opening, 

   1. enroll in online banking & online statements

   2. complete $1000+ DD

   3. make 10+ debit card purchases 

Important Notes

1. $400 promo and referral have different requirements. Read the requirements here and here, respectively.

2. Regions Bank have plenty of fake DD DPs. Fidelity push worked for me. Read more here. 

My Experience 

Regions Bank don't pull Chex, and are not EWS-sensitive. People with out-of-state address can open account in branch, with a utility bill of your current address.

🤑 Contact me to get referred: xxxsecret261@gmail.com 🤑

[Bank] Sound Community Bank - $250 Bonus

Summary

Open a checking or money market account at Sound Community Bank using my referral and receive up to $250.

Steps

In-Branch (WA only):

1. Contact me to get my referral info

2. Visit any Sound Community Bank branch (locations)

3. Mention my referral info to the banker during sign-up

4. Open a checking or money market account

Online (U.S. citizens nationwide):

1. Contact me to get my referral info

2. Apply online at soundcb.com

3. After your account is opened, email clientsupport@soundcb.com with both your info and my referral info to register the referral

Opening account earns you $200 bonus. Setting up direct deposit within 60 days of accout opening earns you $250 bonus.

Important Notes

1. Account must remain open for 60+ days to qualify for the reward

2. Must enroll in direct deposit within 60 days of account opening for the $250 tier (no minimum requirement)

3. All branches are in Washington State, but online applications are accepted nationwide (U.S. citizens only)

🤑 Contact me to get referred: xxxsecret261@gmail.com 🤑

💸 [Bank] HSBC - Up to $2500 Bonus + $150 Cash Back

Summary

Open a Premier Checking account at HSBC using my referral and receive up to $2500.

[Limited Availability] You will get extra $150 from me. (kindly confirm with me on availability before sign-up)

Steps

1. Contact me to get my referral info

2. Open account here

3. Make qualifying deposit within 30 days of account opening and maintain the balance for 3 full calendar months after account opening

   • $1,500 bonus for depositing/investing $100K–$249K new money

   • $2,500 bonus for depositing/investing $250K+ new money

Important Notes

1. Premier Checking account does not have interest. During the application, open a Premier Relationship Savings account along with Premier Checking. Deposit into the relationship savings account qualifies for the bonus too, and earns you 3.2% APY. 

2. After the account opening month and the following 3 calendar months, there will be a $50 monthly fee. Refer here on how to avoid the fee. 

🤑 Contact me to get referred: xxxsecret261@gmail.com 🤑

💸 [Brokerage] Frec - $250 Bonus + $75 Cash Back 

Summary

Sign up for Frec Direct Indexing using my referral link and receive a $250 bonus.

[Limited Availability] You will get extra $75 from me. (kindly confirm with me on availability before sign-up)

Steps

• 1. Use my referral link to open and fund a Frec Direct Index portfolio with $20,000+

  2. Maintain your portfolio value for 90+ days, subject to the exceptions for market losses

  3. Receive $250 bonus

Important Notes

1. It has to be a direct index portfolio at Frec. Other account type do not qualify

2. To lean more about direct indexing, read this article

3. You'll be able to track your reward under Account Settings > Referrals & rewards

4. Certain employers have special reward like waived management fee. So enter your employment info carefully

My Experience 

Direct indexing is good for harvesting tax loss and long term gain especially. Still, a basic understanding is recommended before proceeding.

🤑 My referral link here 🤑

💸 [Brokerage] Moomoo - Up to $1000 NVDA Stock + $25 Cash Reward + 30% Cash Back 

Summary

Sign up for Moomoo using my referral link and receive a $25 Cash Reward.

[Limited Availability] You will get extra 30% of my referral bonus as cash back from me. (kindly confirm with me on availability before sign-up)

Steps

• 1. Use my referral link to open a Moomoo brokerage account

  2. Deposit $100+ within 30 days of signing up

  3. Unlock $25 cash reward by completing the deposit requirement within 14 days of receipt

Important Notes

1. Cash Rewards are credits you can use to trade on Moomoo. The $25 Cash Reward requires a minimum order of $200. Cash Rewards are valid for 6 months from issuance. 

2. Moomoo has welcome bonus too, with up to $1,000 bonus for $50,000+ deposit and temporary $8.1 APY. Read more here. 

My Experience 

New Moomoo users got a booster rate on their cash account of 4.75% for 60 days on balances up to $20,000. Total APY is 8.1%. I recommend taking advantage of the boost APY. 

🤑 My referral link here 🤑

💸 [Brokerage] Public Investing - $20 Stock + $6 Cash Back 

Summary

Open an account on Public Investing using my referral link and deposit $1,000+, you will receive $20 in a stock or ETF.

[Limited Availability] You will get extra $6 from me. (kindly confirm with me on availability before sign-up)

Steps

• 1. Use my referral link to sign up for a Public Investing brokerage account

  2. Pick your stock or ETF to receive the bonus

  3. Deposit at least $1,000 as an initial one-time deposit (must be one-time, multiple deposits do not add up)

Important Notes

1. You can sell the $20 bonus. But the cash value the bonus may not be withdrawn for 12 months.

2.  Once deposit is settled, you can withdraw your $1000+ anytime.

My Experience 

Bonus was credited immediately after funding. No need to wait for fund settlement.

🤑 My referral link here 🤑

💸 [Credit Union][No Chex][No DD] Delta Community Credit Union - $50 Bonus + $15 Cash Back

Summary

Join Delta Community Credit Union (DCCU) and open accounts using my referral link and receive $50. 

[Limited Availability] You will get extra $15 from me. (kindly confirm with me on availability before sign-up)

Steps

• 1. Sign up using my referral link to open a savings and checking account

  2. Within 60 days of checking account opening, complete ALL of following:

     • deposit $50+ to checking account (any deposit, not necessarily DD)

     • make 10+ debit card purchases (no min spending required)

Important Notes

1. DCCU membership is available by making a $15 donation (ref). But you can avoid the donation thru relative eligibility. (kindly ask me for any info needed) 

2. DCCU does not pull Chex. Feel free to apply with Chex frozen.

3. To receive bonus, Account must be in good standing, with deposit balances above zero dollars

4. The bonus will be deposited to the Checking Account within 60 calendar days after deposit and transaction requirements are met

🤑 My referral link here 🤑

[Credit Union] OnPath Credit Union - $150 Bonus

Summary

Join OnPath Credit Union and open a checking account using my referral and receive $150. 

Steps

• 1. Register on my referral link.

  2. You will receive a registration confirmation email. Click the link within the email to start application. 

     • Use the same info for application as in registration

  3. Open a new OnPath CU personal or business checking account

  4. Within 60 days, complete BOTH:

     • Make 15+ debit card purchases of $10+ each

     • Receive 1+ direct deposits totaling $250+

Important Notes

1. You must register on my referral link before opening your account

2. I recommend opening the Rewards High Yield Checking:

   • 6% APY on balances up to $10,000

   • No monthly fee, no minimum balance

   • Monthly qualifications: 15 debit card purchases, 1 online/mobile login, e-statements enrolled

3. $150 bonus is in form of a Visa prepaid card, which will be shipped to you

My Experience 

They pull Chex, but not sensitive. Call them if your application stuck at Pending. 

🤑 My referral link here 🤑

💸 [Credit Union] PSECU - $300 Bonus + $30 Cash Back 

Summary

Join PSECU and receive $300 welcome bonus after completing the requirements 

[Limited Availability] You will get extra $30 from me. (kindly confirm with me on availability before sign-up)

Steps

• 1. Use my referral link to apply for PSECU membership and opening account

  2. Enter promotional code 2026REFER during application

  3. Open 1+ savings account and 1+ checking account

  4. Within 100 days of membership, receive 2 qualifying direct deposits of $500+ each into either the new savings or checking account

Important Notes

1. Must be 18+ and a U.S. citizen or permanent resident residing in the U.S.

2. Promotional code 2026REFER is required for the $300 bonus

My Experience 

They pull Chex, but not sensitive. Sometimes they ask for additional verification documents during application review. Check mailbox.

🤑 My referral link here 🤑

💸 🔥[Credit Union][Nationwide] Teachers FCU - $700 Bonus + $30 Cash Back

Summary

Join Teachers FCU from my referral link and receive $600 welcome bonus after completing the requirements 

[Limited Availability] You will get extra $30 from me. (kindly confirm with me on availability before sign-up)

Steps

• 1. Register your email through my referral link and open account

  2. Enter promotional code JOIN600 during application

  3. Enroll in eStatements and online banking

  4. Earn $100 per statement cycle for up to 6 monthly statement cycle by completing $1,000+ DD during each statement cycle (i.e. $600 in total)

  5. Earn $100 referral bonus by completing 10 qualifying transactions within 60 days of account opening. 

     • Qualifying transactions include debit card purchases, direct deposits, mobile deposits, etc

Important Notes

1. For OOS folks with bad Chex report, consider scheduling a phone call appointment for account opening. To do so, simply register your email at my referral link, and use the link provided by banker to open account. Referral will be applied automatically. 

2. Make sure to use the same email for referral registration and account opening.

3. Make sure to enter promotional code JOIN600 toward the end of application.

My Experience 

They pull Chex, but not sensitive.

🤑 My referral link here 🤑

💸 [Credit Union][No Chex][No DD] Verity Credit Union - $100 Bonus + $30 Cash Back

Summary

Join Verity Credit Union and open accounts using my referral and receive $100. 

[Limited Availability] You will get extra $30 from me. (kindly confirm with me on availability before sign-up)

Steps

• 1. Contact me so I can add your info (name + phone) in Digital Banking to track the referral

  2. Join Verity by opening a Prime Share Savings account

  3. Enroll in Digital Banking and sign in

  4. Within 60 days, complete ONE of the following

     • Open a checking account + make 12 debit card purchases

     • Open a new Verity credit card

     • Open a new Verity loan (excludes mortgage products)

Important Notes

1. Only available to anyone who lives, works, worships, or attends school in Washington State

2. If you apply in-branch, freeze your Chex report beforehand and ask nicely, banker will get manager approval override and a Chex pull can be avoided

My Experience 

In-branch application was very smooth. $100 bonus is easy to earn — just use debit card 12 times.

🤑 Contact me to get referred: xxxsecret261@gmail.com 🤑

💸 [Crypto] Kraken - Up to $300 BTC + $190 Cash Back 

Summary

Sign up for Kraken using my referral link and earn up to $300 (randomized between $25-$300) in BTC.

[Limited Availability] You will get extra 30% from me.

Steps

• 1. Use my referral link to sign up for a Kraken account

  2. Deposit $200+

  3. Trade $200+ crypto (stablecoin not included)

Important Notes

1. Rewards are paid in BTC within 14 days of completing requirements

2. Opt in to Kraken+ free trial for 30 days to save the 1% trade fees; just remember to cancel

My Experience 

Bonus confirmation email immediately after trading. Bonus credited in the coming 1-2 weeks. 

🤑 My referral link here (if you ever need my referral code: 8rwgr57w) 🤑

Want Extra $160?

Instead of signing up from my referral link, sign up from Rakuten ($160) or TopCashBack ($100) and apply my referral code 8rwgr57w during sign-up. The shopping portal will give you another $100 cash back, and my referral rewards will be stacked too!

New to Rakuten? $65 bonus here~

New to TopCashBack? $40 bonus here~

💸 [Crypto] OKX - Up to $400 BTC + $30 Cash Back 

Summary

Sign up for OKX using my referral link, and receive up to $400 worth of BTC.

[Limited Availability] You will get extra $30 from me. (kindly confirm with me on availability before sign-up)

Steps

• 1. Use my referral link below to sign up for an OKX account

  2. Deposit any amount to get $30 of BTC

  3. Trade (both buy and sell) $3,000 of crypto to get another $70 of BTC

  4. Trade (both buy and sell) $10,000 of crypto to get another $300 of BTC

Important Notes

1. Rewards are unlocked after you maintain a daily average portfolio balance of $200 for any 30 days within a 90-day period

My Experience 

Bonus is credited (but locked) within 5 mins of trading. 

🤑 My referral link here 🤑

💸 [Crypto/Stock] eToro - Up to $330 Bonus + $10 Cash Back 

Summary

Sign up for eToro using my referral link and receive $30 after completing registration and making your first deposit.

[Limited Availability] You will get extra $10 from me. (kindly confirm with me on availability before sign-up)

Steps

• 1. Use my referral link to sign up for a new eToro account within 30 days of clicking the link

  2. Make a first-time cash deposit of at least $100

Important Notes

1. $30 bonus cannot be withdrawn during the first 30 days after it's credited.

2. eToro has welcome rewards for new account, with up to $300 bonus when you deposit $5,000. This can be stacked with my referral bonus. See details here and full T&C here.

3. Try to stack with TopCashBack for another $60 cashback. (low success rate, hit or miss)

My Experience 

You will get bonus confirmation email after deposit. Rewards are credited within ~2 weeks.

🤑 My referral link here 🤑

💸 [Online Bank][No DD] Ally - $300 Bonus + $15 Cash Back 

Summary

Sign up for an Ally Bank Savings/Spending account using my referral link and receive $100. Then open an investment account for another $200

[Limited Availability] You will get extra $15 from me. (kindly confirm with me on availability before sign-up)

Steps

Savings/Spending Account

1. Enroll in referral program from my referral link and open an Ally Savings/Spending account

   • I suggest opening Savings account, as it has easier requirements (no DD) and Spending (i.e. checking) account has it own promo from time to time

2. Set up (within your new Ally account) and start a qualifying monthly automated recurring transfer (of any amount) within 30 days of account opening.

3. Complete an automated recurring transfer at least once a month for at least 3 months in a row.

4. Your $100 welcome bonus will be deposited within 30 days of receiving your 3rd recurring transfer

Investment Account

1. This offer is for existing Ally customer only. So make sure your have opened a Savings/Spending account first

2. Sign up for Self-Directed Trading account here

3. Transfer in $1,000+ in cash and/or securities within 30 days of account opening from a non-Ally account

   • It’s OK to do so over multiple transfers.

4. Maintain the balance for 90+ days and your $200 bonus will be deposited within 30 days of completing requirements. 

Important Notes

1. For investment account, the deposit must directly come form a non-Ally account. Otherwise, you'll only earn $100 investment bonus

2. You'll get a tracker in app for both promos, to monitor the progress

My Experience 

Ally has mixed DPs in Chex pulling. I opened Savings account with unfrozen Chex but no Chex pull. But based on what I read, they are not Chex sensitive.

🤑 My referral link here 🤑

💸🔥 [Online Bank][Churnable] Chime - $300 Bonus + $380 Cash Back

Summary

Sign up for a Chime Bank Account using my referral link and receive $100. Stack with promo code PAID200 and receive another $200.

[Limited Availability] You will get extra $30 from me. (kindly confirm with me on availability before sign-up)

Steps

• 1. Use my referral link to start application. 

  2. During sign-up, select “friend/family/coworker/influencer” for the drop-down “how did you hear about us?"

  3. Enter promo code PAID200 in the prompted box.

  4. Set up a Direct Deposit of $500+ within 30 days of opening account

     • ACH Push from Current Bank counts as Direct Deposit (Don't have Current account? Sign up for $160 bonus here)

  5. Activate your physical Chime Visa Debit Card within 14 days of receiving DD

Important Notes

1. If PAID200 promo code doesn't work, try PAID100, which gives you $100 bonus for $200+ DD. 

2. Refer here and here for DPs successfully stacking referral and PAID100 promo. PAID100 promo details is available here. 

3. If you have an existing Chime account, close it, wait for ~1 month and reapply with a different email. All rewards apply again!

4. Activate your debit card within 14 days of DD, so you might want to wait for your card to arrive before doing DD.

My Experience 

Chime app shows progress to earn $100 referral bonus. Bonus almost instantly credited after completing all requirements. 

🤑 My referral link here 🤑

Want Extra $350?

Instead of signing up from referral link, sign up from Gemsloot (New to Gemsloot? Sign up here), for another $350 cash back. Referral and PAID200 can be stacked! Here's how to do:

1. Click on my referral link, don’t do anything. [Keep the referral tab open and do nothing]

2. Open a new tab. Go to Gemsloot and click on the offer

3. Start application from Gemsloot tab

4. Follow step#2-3 to enter PAID200 promo code during sign-up

💸[Online Bank] Current - $100 Bonus + $135 Cash Back

Summary

Sign up for a Current Bank Account, enter my referral code HAORANZ554 and receive $100.

[Limited Availability] You will get extra $30 from me. (kindly confirm with me on availability before sign-up)

Steps

• 1. Open a new Current Bank account here

  2. Enter my referral code HAORANZ554 after opening account

     • In the Current app, go to Account → Rewards → Add Code → enter my referral code → app confirms code applied

  3. Set up a Direct Deposit of $200+ within 45 days of opening your account

Important Notes

1. Must be a new, first-time Current customer Appears to be churnable (DP)

2. Chase busines checking and Andrews FCU checking are the only fake DD DPs so far. 

My Experience 

Bonus credited within a day after settled DD.

🤑 My referral code HAORANZ554 🤑

Want Extra $105?

Sign up from Benjamin (Benjamin referral code: uHN7mx6mVi), instead of Current public website. Enter my referral code HAORANZ554 after opening account (same as Step#2).

Note: Only Gemsloot $105 cash back offer is live now. 

💸 [Online Bank] Go2Bank - $50 Bonus + $115 Cash Back

Summary

Sign up for a Go2Bank account using my referral link, and receive $50. Stack with a cashback portal for another $100 (details below). 

[Limited Availability] You will get extra $15 from me. (kindly confirm with me on availability before sign-up)

Steps

• 1. Open my referral link. Click "Open an account" -> "Get started" -> Enter your email -> "Continue". Stop there and do not proceed further.

  2. In another tab, open the cashback portal link (e.g. Swagbucks, Inboxdollars), and complete sign-up using the same email address you used in step#1

  3. Set up a Direct Deposit of $200+ within 45 days of opening your account

My Experience 

• Go2Bank does get mixed reviews regarding their banking experience and bonus payout, but I've been happy with it so far. 

• Referral bonus requires a $200+ DD, but portals seem not to have min DD requirement. Even one cent account verification DD would trigger portal tracking. 

🤑 My referral link here 🤑

💸 [Online Bank] MoneyLion - $55 Bonus + $15 Cash Back

Summary

Sign up for a MoneyLion RoarMoney Banking account, enter my referral code $StellarHaoran431 and receive $55.

[Limited Availability] You will get extra $15 from me. (kindly confirm with me on availability before sign-up)

Steps

• 1. Download the MoneyLion app here

  2. Registers as a MoneyLion user and enter my referral code $StellarHaoran431 (make sure to include the dollar sign) at sign-up

  3. Open a RoarMoney Banking account for $5 bonus

  4. Within 60 days of opening RoarMoney account, complete two direct deposit of $100+ for $50 bonus

Important Notes

1. Rewards are generally deposited into RoarMoney accounts within ~14 days after requirements are met

My Experience 

Nice & easy bonus. Plenty of ways to fake DD, including Current, Wise and Chase biz. For more info, refer here.

🤑 My referral code $StellarHaoran431 🤑

💸🔥 [Online Bank] OnePay - $50 Bonus + $136.5 Cash Back 

Summary

Sign up for OnePay using my referral link and receive $50 bonus. Stack with Gemsloot for another $76.5 cashback.

[Limited Availability] You will get extra $60 from me. (kindly confirm with me on availability before sign-up)

Steps

• 1. Click Gemsloot offer and land at OnePay sign-up page (New to Gemsloot? Sign up here)

  2. On Gemsloot tab, proceed until "Enter your phone number" page. Stop there, do not register your phone number yet.

  3. On a new tab, open my referral link

  4. On referral tab, complete the full sign-up from the beginning, and open account

  5. Go back to Gemsloot tab, enter your phone number, and you will be prompted that you already have an account. Continue to sign in to your account.

     • Gemsloot should have tracked your sign-up by this step.

  6. Set up a DD of $500+ to your OnePay account

     • Push from Current with PAYROLL note worked as fake DD. Type of transaction: "Paycheck direct deposit"

     • You'll receive email upon qualifying DD -- "Congrats, <name> — you unlocked Banking+!"

Important Notes

1. Quick application. No Chex and No credit hard pull. Should be instant approval without any upload/verification needed

2. OnePay $50 bonus is posted as 5,000 points under Rewards tab. You can then redeem them as $50 to your account.

3. Gemsloot requires KYC. You may need to record a 15sec video for identity verification.

4. Gemsloot cashback has a 14-day hold before you can cash out.

My Experience 

OnePay referral bonus was posted right after my DD landed. For Gemsloot cashback, signup step was tracked almost instantly after my sign-up. DD step was tracked one day after my DD. Both Gemsloot steps were put under a brief review (<1 hr) before actually marked as complete. 

🤑 My referral link here 🤑

💸 [Online Bank] Percapita - $300 Bonus + $15 Cash Back 

Summary

Sign up for a Percapita Account using my referral and receive $300 ($25 per month for 12 months).

[Limited Availability] You will get extra $15 from me. (kindly confirm with me on availability before sign-up)

Steps

• 1. Email me with your first and last name, phone number, and email 

  2. Open account with the same info 

  3. Spend $300+ with your debit card each calendar month for first 12 months. Every month you'll get $25 bonus after meeting spending requirement.

Important Notes

1. No Chex and No credit hard pull. 

2. Require ID & selfie verification. Application process might be buggy. Prepare a bit patience. 

My Experience

 I've been using Percaipta for almost a year. Each month the $25 is posted 2-3 days after meeting spending requirements. Their fraud detection is hardcore, so you might need to verify a lot of your transactions tho (either through text or automated call).

🤑 Contact me to get referred: xxxsecret261@gmail.com 🤑

💸 [Online Bank] Spruce - $50 Bonus + $15 Cash Back 

Summary

Sign up for a Spruce Account using my referral link and receive $50.

[Limited Availability] You will get extra $15 from me. (kindly confirm with me on availability before sign-up)

Steps

• 1. Use my referral link below to open a new Spruce Account

  2. Set up a Direct Deposit of $200+ within 45 days of opening your account

  3. Activate the physical debit card within 45 days of opening your account

Important Notes

1. Quick application. No Chex and No credit hard pull. Should be instant approval without any upload/verification needed

2. Not available for WA residents

🤑 My referral link here 🤑

💸 [Online Bank] Varo - $150 Bonus + $45 Cash Back 

Summary

Sign up for a Varo Bank Account using my referral link and receive $150.

[Limited Availability] You will get extra $45 from me. (kindly confirm with me on availability before sign-up)

Steps

• 1. Use my referral link below to open a new Varo Bank Account

  2. Set up a Direct Deposit of $500+ within 45 days of opening your account

     • ACH Push from Current Bank counts as Direct Deposit (Don't have Current account? Sign up for $225 bonus here)

Important Notes

1. Must be a new Varo customer (never had a Varo account before)

2. Account must remain open and in good standing when bonus is paid

My Experience 

Bonus reminder emails after opening account. Bonus usually credited within a few days of settled DD.

🤑 My referral link here 🤑

[Real Estate] Roots - $85 Bonus Investment

Summary

Sign up for a Roots Real Estatement Investment Trust (REIT) using my referral link and get $85 bonus investment.

Steps

• 1. Use my referral link below to sign up for Roots

  2. Make $100 initial investment, enter following stackable promo codes to get extra bonus investment

     • my referral (auto-applied): $25 bonus

     • EW25: $25 bonus

     • SEED25: $25 bonus

     • QUIZ10: $10 bonus

  3. In total, you deposit $100 and will get $185 invested into your account

Important Notes

1. Deposit and bonus are locked for a year. You can withdraw everything penalty-free after a year. 

2. Withdrawal within a year causes 8% penalty on you deposit and forfeits the bonus

My Experience 

One-year lock is a bit annoying but worth the wait since it's only $100 at stake. Last year I was able to get ~10% return.

🤑 My referral link here 🤑

💸 [Savings/CD] Raisin - Up to $1500 Bonus + $310 Cash Back 

Summary

Sign up for Raisin using my referral code haoranz077153 and receive up to $1,500 bonus. 

[Limited Availability] You will get extra $60 from me. (kindly confirm with me on availability before sign-up)

Steps

• 1. Sign up for Raisin using my referral code haoranz077153

  2. Initiate your first deposit by February 1, 2026

  3. Deposit at least $10,000 within 14 days of your initial deposit

  4. Maintain your balance for 90 days

Important Notes

1. Must sign up and initiate first deposit by February 1, 2026

2. Only funds deposited within 14 days of initial deposit count toward bonus tier

   • $10,000 – $24,999: $70 bonus

   • $25,000 – $49,999: $175

   • $50,000 – $99,999: $350

   • $100,000 – $199,999: $750

   • $200,000+: $1,500

3. Must maintain qualifying balance for 90 days — if balance drops, you receive the bonus for the lowest balance maintained

🤑 My referral code haoranz077153 🤑

Want Extra $250?

Initiate Raisin account application from TopCashBack for $250 cash back. Then enter my referral code haoranz077153 during sign-up. TopCashBack requirement is $10,000+ deposit and maintaining balance for 21+ days. 

New to TopCashBack? $40 bonus here

💸 [Shopping Portal] BeFrugal - $30 Cash Back 

Summary

Sign up for BeFrugal using my referral link and receive $10 bonus after earning $10 in cash back.

You will get extra $20 from me. 

Steps

• 1. Use my referral link to sign up for BeFrugal

  2. Earn $10+ in cash back within 365 days of joining

Important Notes

1. Can stack with these two offers: 8% on select gift cards; Shop $25 & Get $4 Bonus

My Experience

BeFrugal is smaller size, compared to TCB or Rakuten. They don't seem to do courtesy cash back, if you shopping trip failed to tracked. So I wouldn't trust them with any big purchase. 

With that being said, I've used BeFrugal a dozen of times, with ~$50 cash back in total. Never had an issue. Tracking usually takes 2-3 hours to show. 

🤑 My referral link here 🤑

💸 [Shopping Portal] Kudos - $33 Cash Back 

Summary

Sign up for Kudos using my referral link and receive $20 (2000 Boost) after making your qualifying first purchase.

You will get extra $6 from me. 

Steps

• 1. Use my referral link to sign up for Kudos

  2. Download the Kudos browser extension

  3. Add your credit card(s) to Kudos for autofill (one card is enough)

  4. Make a $30+ purchase at a Kudos Boost store using the extension

  5. Earn ~$7 bonus by completing a list of simple tasks, including making first boost purchase and setting up autofill. 

Important Notes

1. Must use the Kudos extension at checkout

2. Purchase must be at a Boost store

3. The terms requires "autofill card details at checkout", but my experience shows it's not needed for bonus

🤑 My referral link here (if you ever need my referral code: HAORAN_KUDOS_481306) 🤑

💸 [Shopping Portal] Rakuten - $65 Cash Back

Summary

Sign up for Rakuten using my referral link and receive $50 after making your first qualifying purchase.

You will get extra $15 from me. 

Steps

• 1. Use my referral link to sign up for a new Rakuten account

  2. Make a qualifying purchase through Rakuten (no min spend requirement)

  3. Bonus is confirmed once your cash back from the purchase is confirmed

My Experience 

Rakuten is arguably the best shopping portal, in terms of user experience. In case of missing cash back, submit a claim.

🤑 My referral link here 🤑

💸 [Shopping Portal] TopCashBack - $15 Cash Back 

Summary

Sign up for TopCashBack using my referral link and receive $15 from me, after earning $10 in cash back. 

Steps

• 1. Use my referral link to sign up for a new TopCashBack account

  2. Earn $10+ in cash back within 180 days of joining

Important Notes

1. My referral bonus becomes Payable once your $10+ cash back becomes Payable. Then I'll share my bonus with you. 

My Experience 

TopCashBack often has higher cash back rates than competitors. In case of missing cash back, submit a claim.

🤑 My referral link here 🤑

💸 [Misc] EarnIn - $150 Bonus + $15 Cash Back 

Summary

EarnIn is a pay day loan provider that offers two features: Cash Out and Early Pay. Cash Out allows you to "borrow" money into an eligible bank account, while Early Pay allows you to get paid up to 2 days early. Sign up using my referral link and use both features to claim $150 bonus ($75 each)

You will get extra $15 cash back from me. 

Steps

• 1. Use my referral link to sign up for a new EarnIn account

  2. Link a bank account that has a real DD in past 30 days with $320+ per 2 weeks. 

  3. Transfer $10 into the linked account (and pay it off immediately), to claim the $75 cash out bonus

  4. Set up early pay to get your pay check early to claim the $75 early pay bonus

     • You can set the transfer speed to “Standard” to avoid being charged a fee

Important Notes

1. You need a real DD from employer and preferrably a work email too.

2. Read more details here

My Experience 

I agree it's not the most straightforward bonus. But once you complete the verification and link bank account, it becomes an easy $150. 

🤑 My referral link here 🤑

💸 [Misc] inKind - $25 Off Dining Bill + $10 Cash Back 

Summary

inKind is a dining rewards and payments app that lets you pay at partner restaurants to earn bonus dining credit and discounts for future meals. Sign up for inKind using my referral link to get $25 off for your first $50+ meal. 

You will get extra $10 cash back from me. 

Steps

• 1. Use my referral link to sign up for a new inKind account

  2. Enjoy $25 off for your first $50+ meal (inKind partner restaurants available here)

Important Notes

1. inKind sells gift cards at deeply discounted price, which are stackable with your $25 off.

   • Costco sells them at $64.99 for $100 (limit 5 per member)

   • Don't have Costco membership? You can get unlimited quantities at Giftcards.com for ~30% off. Here's how. 

My Experience 

inKind used to mostly partner with upper scale / fine dining restaurants, but now they expand to coffee shop, casual places, bars, etc, making it more appealing. 

🤑 My referral link here 🤑