This offer is available for a very limited time. Open an account today!

How to Earn a Bonus

1. Apply online for WTDirect account

2. Deposit $10,000 or more by July 31
3. Keep your funds on deposit with WTDirect through 10/31
4. Earn a cash bonus up to $150 based on the schedule below:

$150 bonus for $50,000 balance
$100 bonus for $40,000 balance
$75 bonus for $30,000 balance
$50 bonus for $20,000 balance
$25 bonus for $10,000 balance

About WTDirect:
- High-yield savings account for in-control, goal-oriented savers
- One of the highest rates in the nation - consistently in the top 5% of U.S. Banks
- Part of the Wilmington Trust family of companies - a strong institution with a 105-year history
- FDIC insured to $250,000 - the maximum Federal limit
- Exceptional service

From the website:

Incentive: Up to $100. You get $75 when you open (1) qualifying new checking account with an opening balance of $250 during the eligibility period and (2) use your debit card for the new checking account to pay for a purchase from a merchant within 30 days after opening the new account. To get the additional $25, use our online bill payment service to pay two bills from your new checking account within 30 days after opening the account. Small Business customers are also eligible if they enroll in the Online Business Suite Direct Payments service and make two payments within 30 days. If we determine that you meet all the terms of the offer, we generally pay the incentive within 90 days of account opening. We may deposit the incentive directly into the new Bank of America checking account or we may mail a check to the address listed in our records for the new checking account. We may report to the IRS the value of the incentive we pay to you and you are responsible for any applicable taxes.

You will get a hard credit inquiry on your first checking with Bank of America. If you don’t get the bonus after 30 days, make sure to write and remind them. Also, keep a lookout for fees since they have been known to charge fees even though this is a complete free account with no direct deposit requirement.

$100 Starwood Bonus

Starwood Preferred Guest® Credit Card from American Express gives you 10000 bonus Starpoints after first purchase. This can be converted to $100 gift card.

• Earn up to 25,000 Starpoints® — enough for up to 6 free nights at a category 1 or 2 hotel.
• Use Starpoints® for free nights and upgrades at over 860 participating Starwood hotels and resorts in 95 countries including Sheraton, W Hotels, Westin and more with no blackout dates
• No annual fee for the first year and $45 thereafter
• Transfer Starpoints® — almost always on a 1:1 basis — to the frequent flyer programs of over 30 major airlines
• Earn one Starpoint® for every dollar you spend and double Starpoints® at participating Starwood properties and retail partners
• Express Approval. Get a decision in less than 60 econds. Apply Now!

Redemption options:

Redeem for travel, merchandise, gift cards and Cash Back, or transfer points at full value to the industry’s top frequent flyer and hotel programs.

* 1:1 Point Transfer to Leading Airline and Hotel Programs (similar to AMEX Membership Rewards Points perhaps?)
* Each point is worth 25% more when used to book flights through Ultimate Rewards (25000*1.25 = 312500 or $312.50 travel reward)
* Plus earn 10,000 bonus points when you purchase $50,000 per year on your card (Sapphire Preferred only)

Statement Credits: Redemptions start at 2500 points for a $25 statement credit to apply to any purchase made with your Chase credit card within 60 days of the request for a statement credit, where permitted by law. Beginning with 2500 points, redemptions may be made in additional 100 point increments for each $1 statement credit. Statement credit will post to your account within 5-7 business days and will appear on your monthly Chase credit card billing statement within 1-2 billing cycles.

Quick Free FICO Score and Report

MyFico is giving your credit Score Watch and report Free Trial for thirty days. They will remind you when your free trial is up. The best part is they are making the cancellation extremely easy. Simply visit this MyFico cancellation page so you won’t ever have to pay anything! Once you login, the cancellation is quick with an easy cancellation button. No need to call customer services or dealing with them selling other financial products.

Checking your credit score and report are vital to your financial health. Visit MyFico today to get your free credit score and report.

Ally Bank saving accounts and CDs are all FDIC insured up to $250K. When you open the account, you can open multiple accounts all in one screen.  This saves time for submitting multiple applications. The good interest rates is an easy decision for opening these type of products.

Check out their Ally Difference:

* We don’t have monthly fees. Ever. Some banks charge a monthly fee if your deposit doesn’t come directly from your employer.
* We don’t require minimum balances. Many others charge a fee if your balance dips too low.
* We work to keep our rates high. Other banks often tempt new customers with promotional rates.
* We grow your money faster by compounding interest daily. Many others compound monthly, quarterly, or even annually.

You are wondering, can I open one anyway..say sole proprietorship? YMMV on this. I don’t think you can just walk in and say you have an Ebay business and you want to open a business checking account.

If you are a licensed professional such as a lawyer, teacher, or accountant, you can open a business checking as sole proprietorship without your business being registered with the state.

Obviously, if you have a business, this is an easy $200 bonus. In order to have no monthly fees, your account balance must maintain $5K per month(Chase credit card balance counts too).

Another way to get away from the fees is to ask for the Chase Business Complete package. This package gives you both the Business Classic Checking and Business Savings accounts fee-free for the first year.

Here’s the fine print:

Offer valid when opening a new Chase BusinessClassicSM Checking, BusinessClassicSM Checking with Interest, Advanced Business CheckingSM, Advanced Business CheckingSM with Interest, Commercial Checking, Commercial Checking with Interest account, or Chase BusinessPlus® Extra Checking account. Accounts are subject to account opening approval (interest bearing accounts are only available to sole proprietorships, non-profit,and government entities). A $500 minimum deposit is required into your new business checking account within 30 days of account opening. Initial deposit must be made with funds not held with Chase or its affiliates. Limit one business checking account related award/premium per customer, per calendar year. Offer not available on account conversions or in combination with any other offer. Cash bonus will be automatically deposited into your new Chase business checking account within 10 business days upon confirmation of the deposit requirement. Cash premium does not count towards the deposit requirement. Bonus is considered interest and will be reported on IRS Form 1099-INT.

Hustler’s Free Money of the Day:

Lending Club was kind enough to allow me to offer my readers a special promotion: Open a lending account and receive a $25 bonus. You can use this bonus to make your first loan. To take advantage of this promotion, please click on this specific promotional link. Many of my readers have gotten the bonus and have enjoy their experience.

Here’s what to do:

1. Go though this Special Lending Club link
2. Fill in your name, email, password, and make up a user ID.
3. Verify your identity
4. Add your bank account and wait them to withdraw an amount less than $1
5. Wait for a few days, and verify the amount that has been withdrawn.
6. Deposit $1 to get $25 bonus.
7. Bonus will show up after the initial deposit.

Here’s the email:

You’ve got the Card; now, get 5,000 bonus points!
As a valued Sony Card member you’re eligible for this special bonus points opportunity*:

Spend $1,500 or more on your Sony Card from July 1, 2009 through August 31, 2009 and get 5,000 bonus points!

Getting there is easy; just use your Card for everyday purchases like gasoline, groceries, summer vacations, and Back to School items. You can even earn points for the bills you have to pay every month by setting up automatic bill payments with your Card!

To be eligible for this special opportunity, follow these simple steps:

1. Go to www.sony.com/sonycard/summer2009
2. Enter offer code ->SCSummer09<- to enroll
3. Use your card for everyday purchases from July 1, 2009 through August 31, 2009

5K pts = $50 GC to many retailers: Kmart, Khole’s, Macy’s, Sears, Lowe’s etc.

Follow the directions below to get 25% off for life on your Sprint bill and get $50 off on your Palm Pre. After all discounts, you monthly bill can be for around $50.

1. Join Alliant Credit Union to get 25% off your sprint bill.
2. In order to be an Alliant credit union member, you must pick local PTA or join a national PTA for $25.
3. Make sure to open their Savings account with $5 deposit with paperless statements so you won’t pay any fees.
4. Once you are an Alliant Credit Union member, email or call Sprint with the code NAACU_ZZZ to get 25% off your monthly phone bill.
5. You will then get a confirmation email from Sprint verifying your 25% off.

Since you can only get the Palm Pre in a Sprint store, walk in and sign up for the plan. Once you activated your phone, dial *2 and tell them you wanted to add a corporate discount to your account. Make sure to ask to get the $36 credit toward activation and also $50 back for the equipment purchase because that was part of the promotion. Tell them you are an Alliant Credit Union member with the corporate code NAACU_ZZZ both the $36 and $50 credit along with the 25% off my monthly bill.

$100 AmEx Preferred Rewards Gold Card

American Express Preferred Rewards Gold Card gives you 10,000 bonus points when you spend $500 within the first three months. The 10,000 points can be exchanged for $100 in gift card to stores such as Gap, Home Depot, Barnes & Noble, etc.

This is a good card for frequent travelers since the membership rewards program allows you to earn unlimited points that do not expire.

There is no fee for the first year. If you do not find the card worth keeping, make sure to cancel the card before the first year anniversary.

Here are some more details about the card:

• First year fee-free - $125 Thereafter
• Get 10,000 Membership Rewards® points redeemable for Rewards right away
• No Pre-Set Spending Limit
• The Membership Rewards® program - a fast, flexible rewards program that lets you
  redeem travel rewards on over 21 airlines.
• Gold Card Events—exclusive access to tickets for select concerts, shows,
  major sporting events, and more in cities nationwide
• Global Assist® Plus Hotline and many more benefits included.

Apply Now!

The email was sent from ING:

Tired of paying fees on your checking account? With no minimums or monthly fees, Electric Orange checking lets your cash do more for you.
Earn a $50 bonus for card purchases.

Open your account by July 15, 2009 and use your Debit Card to make 3 signature transactions (you know, the ones you have to actually sign) within the first 45 days. On day 50, we’ll put $50 in your account.

Go to www.ingdirect.com/electric50 to learn more. Don’t forget to enter Reference Code EM287 to be eligible for the $50.

Some of the features include:

* Get free checking: no monthly service fee and no minimum balance requirement.
* Get automatic rewards for everyday banking (debit card use, ATM withdrawal, online bill pay).
* Get cash, travel, merchandise rewards. You choose.

From the website:

5% Cashback Bonus at Restaurants

From fast food to fine dining, just pay using your Discover Card and earn 5% Cashback Bonus on up to $200 in restaurant purchases throughout the month of June.

Few days left for $25 Ohio College Advantage bonus

The $25 referral bonus Ohio 529 College Advantage plan is back. Anyone can join! So sign up today for the $25 bonus. Good until 5/31/09. Sign up now before it’s too late!

Do you have a college savings plan for your kid’s education? Even if you don’t have any kids, you could still open this Ohio CollegeAdvantage plan for $25 using my referral code 2440330

There is no fees and the process takes less than 5 minutes. Anyone can join from any State. You can refer up to 20 people for a total of $500 in free money. You will get $25 bonus when you deposit $25, and I’ll get $25 for referring you.

Here’s what to do:

1. Sign up online here. No need to mail in anything, just give your information such as Name, Address, DOB, etc.
2. Choose a login/password and you will verify your email to continue your application.
3. Choose your funding option and along with $25 deposit. Enter your routing and checking account number.
4. Now make sure to enter the referral code in order to get your $25 bonus: 2440330
5. They will withdraw your initial deposit in less than 3 days, and your referral bonus will come in 7 days.
6. After you get your bonus, you can cash out by using this withdrawal form.