Referral Links – Free $$$

Upgrade Checking – $100 Bonus for Opening, Funding and 3 Debits

Upgrade Rewards Checking has perks like 1-2% cashback on all debit card purchases, with no monthly/annual fee or transfer fees to worry about, ever.

There’s a referral offer until September 30th where you can get $100 just for making  3 debit purchases.  No direct deposit required!

To get the $100 bonus: 
1) Sign up for Upgrade Rewards Checking using my referral link:
2) Make 3 or more debit card transactions within 60 days
3) You’ll get $100 deposited in your account

Webull – Free Stocks when you Join and Fund

Webull is always running a referral promotion. Promos vary from 2 free stocks to 12 depending on what deal they are currently running. Click the link below to open an account. The page that opens will show what the current deal is. Most deals require deposit of any amount to get payout:

Rakuten Shopping Portal – $30 Offer when you spend $30

Nice Bonus for opening now: You just need to spend $40 on something purchased through the portal. Use my link to signup:

Get $25 dollars in BTC with Nexo for Depositing $100!

Temporary Note: If you are landing here from my referral link and want to do the Nexo bonus you might want to do this instead (I get nothing out of it but why get $25 when you can get at least $100?) :

Summary: Join nexo and top up with $100 or more and earn $25 dollarsin BTC available to withdraw in 30 days.

Note: You can deposit USD, EUR or GBP. If you deposit crypto make sure the value
stays over $100 in the 30 days otherwise you would lose the bonus. Depositing a
stablecoin may be your best choice if depositing crypto.

1) Sign up for a new account using my link:
2) Pass advanced verification to confirm identity.
3) Top up your account with at least $100 in assets.
4) We will each earn $25 dollars in BTC that will unlock in 30 days.

Stacked – Smart Crypto Investing Platform (Waitlist) – $25 Bonus

Summary: Introducing Stacked Managed Portfolios—a smart cryptocurrency advisor platform tailored to your needs. Join the waitlist to get $25 and early access to the future of digital asset investing. Use my waitlist referral link:
Full Terms:

Go2Bank – $50 Referral Bonus

Summary: Go2Bank is another fintech offering a fee free checking account (free with $200 direct deposit per month – from what I see this must be REAL direct deposit). The account has fee free ATM access, early paycheck DD and you can earn cash back. There is even a 1% yield option (not used that myself). Details about the account are here. To earn your $50 bonus follow these steps.
Bonus Steps:
1. Sign up using my link:
2. Go through the verification process to setup your account, SSN, Identification.
3. Setup a $200 direct deposit within 45 days of opening. This seems to require a REAL direct deposit, a transfer won’t work.
4. Referral bonus will be paid within 48 hours of direct deposit arriving in the account.
Full Terms:

Get $5 from Cash App

Sign up for cash app, link a bank account and send someone $5 and you’ll get a $5 dollar bonus. Cash app is useful for it’s intended use and also for satisfying debit requirements for other accounts you open. Open using my code KZDMFVD or using this link: . If you need someone to send to so you can get the bonus you can send me $5 and I’ll send it back. User $peek5000.

Get $50 From Current – with $200 Direct Deposit – 4% Interest on up to $6000 – Premium now free!

Summary: Current is a Fintech that offers 4% interest on up to $6000 when you use their savings pods (FDIC insured). Their premium option used to come with a $4.99 a month fee but now is free so you can have up to 3 savings pods with $2000 each for a total of $6000 earning 4%! I verified this with their support. So, open an account with my link, setup a real direct deposit of $200 or more and get $50. No overdraft fees up to $200, faster direct deposit and up to 15X points at participating merchants.
Bonus Steps:
1. Sign up using my link or unique code: PETERB889 .
2. Go through the verification process.
3. Setup a $200 direct deposit within 45 days of opening.
4. Referral bonus will be paid within 10 business days.
Full Terms:

Earn $30 with Varo for funding and spending $20

Summary: Varo is a nice simple online banking platform with no monthly account fees. Contactless debit card and ability to get cash free from over 55,000 Allpoint ATMs. Bonus posts in 4-7 business days after you fulfill the requirements.
Bonus Steps:
1. Open an account using my link:
2. Link your bank and deposit $20
3. Spend $20 with your Varo Debit card
4. $30 will be deposited in your account.
5. Full Terms:

Swagbucks – Shopping Portal – Great Offers, Cash Back

Summary: swagbucks is my favorite shopping portal. They offer many great offers, some of which end up being a net gain, others are just great ways to try out products like meal kits, virus scan, banks, many different options. They aren’t perfect (sometimes things don’t track) but overall, I’ve done well with them. If you use my referral link you can earn $10 in swagbucks.
Referral Terms: You must “Activate” the Bonus in the Swag Ups section of your account. Bonus value is earned in the form of points, called SB. Get a 1000 SB bonus, which is equivalent to $10 in value, when you spend at least $25 at a store featured in You must receive a minimum of 25 SB for this purchase, which you must complete within 30 days of registration. and travel purchases do not qualify.
My referral link:

Okcoin – $50 Bonus in BTC for buying $100 In Crypto – USA

Summary: OkCoin is a crypto platform with some decent rewards. The only real issue I’ve had with the platform is you can’t withdraw with ACH, you have to withdraw crypto or use a wire. I usually just convert to LTC and then send that to Gemini. This comment on Doctor of Credit by Gadget shows the banks that charge no wire fee. To earn the bonus you need to follow these steps:

  1. Be a new user of Okcoin
  2. Register through my referral link:
  3. You must pass identity verification level 2. Check your status here.
  4. Buy $100 USD or more worth of crypto. (Purchases must be made using a supported local currency, such as: US Dollar, Euro, Brazilian Real, or Singapore Dollar).  To be eligible for this Promotion, users must purchase the $100 USD or more in crypto using fiat currency that was originally deposited into their accounts as fiat currency.  Fiat funds converted from crypto assets deposited into user accounts cannot be used.

Full terms here:
Banks allowing free incoming wire transfer:

OnJuno – $100 Bonus for $250 Direct Deposit

Summary: OnJuno is a crypto / fintech app (FDIC insured) that provides a 1.2% bonus rated and allows you to get part of your paycheck immediately converted into crypto for yields as high as 6%. There’s also a metal card available where you can get 10% back on 5 brands that you choose from (Amazon, Walmart, Netflix). For opening an account and setting up direct deposit of $250 or more (must be real DD as far as I know) you get a $100 bonus. Steps to get this bonus:

  1. Open your free checking account with OnJuno using my link:
  2. Setup a direct deposit of $250 or more. Once your DD clears you unlock your metal membership and get your metal card.
  3. As soon as your direct deposit is settled, your $100 referral bonus will post.

M1 Finance – $10 Bonus for $100 Deposit

Summary: This is one of my favorite investing platforms.  It allows you to automate your investing.  You just choose your investments, turn on auto invest and setup a weekly, biweekly or monthly transfer and the money will be automatically invested in the stocks/funds of your choice. The site includes pre-built pies of different ETFs and stocks and you can also setup your own options.
Bonus Steps:
1. Sign up with my referral link:
2. Create an account and deposit $100 minimum.
3. You will receive your $10 bonus within 7-14 days of your deposit. You must maintain your initial deposit in the account for 30 days.

One Finance – $50 Dollar Bonus for $250 Direct Deposit

Summary: One Finance is a Fintech company offering alternative banking services. They have no fees and you can get 3% on funds that are deposited through round ups or that are auto-saved from your direct deposit (real direct deposit required up to 10% per deposit). They allow access to over 55,000 AllPoint ATMs and have a nice mobile app and website. Funds held with them are FDIC insured (funds are held with Coastal Community Bank).
Bonus: Get a $50 dollar bonus for opening an account and depositing at least $250 with direct deposit.  This must be a real direct deposit, an ACH transfer will not work. Steps to complete the bonus:
1) Open the account with my link:
2) Setup a real direct deposit of at least $250 dollars.  
3) You will receive your bonus in a couple of week.  
Full terms of referral program are here:

Firstrade – Free Stocks with $100 Deposit

Summary: A nice simple stock trading platform with no fees.
Bonus: Get a Free Stocks with Firstrade with $100 deposit.  One free stock for opening your account and another for funding with $100 or more within 30 days of approval:

Prizepool – The #1 Prize Linked Savings Account

Summary: The bonus for this may be no longer available, I don’t see it mentioned when the link is clicked. Still a nice platform. Prizepool is savings account/prize platform where you are given tickets to enter drawings. They pay out thousands of prizes each week totaling $50,000 each month! Get a 10% bonus on all your prizes by using my referral link. My referral code is VK1V6 or click this link:

Alto Crypto IRA – Get $50 when you open a Crypto Roth IRA.

Important Terms: This account has a fairly high fee to close the account ($50). So, I don’t recommend it just for the bonus. I opened the account for long term holding. Also, this is not SIPC insured like a normal IRA. This post doesn’t constitute financial advice.
Summary: Alto allows you to invest in Crypto within a Roth IRA (they also offer other alternative investment products). Their platform is fairly simple to use and allows you to buy up to 150 cryptos (any offered through Coinbase). You can setup limit orders, market orders and buy and sell in the platform. If doing this within a Roth IRA your gains aren’t taxed (however the account has same withdrawal rules as a normal Roth IRA).
Risk: All investing has risk (especially true with crypto). Please, do your own research. This post is not a recommendation to buy or sell any securities or invest in anything. Steps to open the account:

  1. Read up on the platform and do your research:
  2. Open a crypto IRA account using my link:
  3. Deposit at least $100 into the account.
  4. Get a $50 bonus in your account (I get $50 as well).