• Maximum bonus amount: $900
• Availability: IL
• Direct deposit required: Yes two deposits, no minimum specified
• Additional requirements: Yes, two online bill payments, no minimum specified
• Hard/soft pull: Soft
• Credit card funding: Unknown
• Monthly fees: None 
• Early account termination fee: None 
• Household limit: One
• Expiration date: None listed

The Offer

Direct link to offer

• Liberty Bank For Savings is offering a checking & savings bonus of up to $900:
  • Get a $350 bonus when you open a new personal checking account (excluding Jumbo checking) and receive 2 recurring monthly direct deposits of $500+ within 90 days
  • Get a $250 bonus when you open a statement or passbook within $15,000 in new money (not from another Liberty account). Keep at least $15,000 there for 180 days
  • Get an extra $300 when you do both

The Fine Print

• Liberty Bank for Savings reserves the right to discontinue these products or offers at any time. Only one (1) Checking & Savings offer per household regardless of the number of accounts opened. Checking & Savings offers cannot be combined with other offers. Offers apply to accounts used for personal purposes only. Offers are not available to those under 18 years of age, Liberty Bank employees and their immediate families. If either account is closed by the customer or by Liberty within 90 days of account opening, a $40 fee will apply. The bonuses paid may constitute income under Internal Revenue Service (IRS) regulations and will be properly reported. The annual percentage yield (APY) will vary depending on the savings or checking account selected. Rates may change at any time and fees could reduce the earnings on the account.
• $350 Checking Bonus: Offer not applicable to existing Liberty Bank checking customers or Jumbo Checking. Bonus will be credited to the customer’s new Checking account within 30 days after they receive two (2) recurring monthly ACH direct deposit credits (payroll or government benefits) of $500+ each to this account within 90 days after account opening. If the bonus has been applied and the account is closed within 180 days of account opening, the amount of the bonus will be deducted at closing. An example of interest and tiers for an interest-bearing checking account is as follows, as of 10/27/26 Affinity Checking pays an APY of 0.01% for $1,000-$4,999.99, 0.25% for $5,000 and up.
• $250 Savings Bonus: Existing Liberty Bank savings customers are eligible. Bonus will be credited to the customer’s new Statement Savings Account within 30 days after they open a new savings account with $15,000 of new money (check cannot be drawn from a Liberty account) and maintain a balance of $15,000 or more for 180 days. An example of interest and tiers for an interest-bearing savings account is as follows, as of 10/27/26 our Statement Savings accounts is paying an APY of 0.10% for $500-$4,999.99, 0.20% for $5,000-$49,999.99, 0.30% for $50,000-$249,999.99 and 0.40% for $250,000 and up.
• $300 Relationship Bonus: To qualify, the new checking and savings accounts must be opened at the same time. The additional $300 bonus will be credited to the customer’s new savings account within 30 days after all requirements for both the checking and savings bonuses have been met.

• All bank account bonuses are treated as income/interest and as such you have to pay taxes on them

Avoiding Fees

Monthly Fees

This account has no monthly fee. 

Early Account Termination Fee

There is an early account termination fee of $50 if you cancel the account within 90 days of account opening

Our Verdict

Savings account earns 0.2%, the $250 savings bonus and $300 bonus make it an annualized return of 14.5%.

Hat tip to reader snailrock

Useful posts regarding bank bonuses:

• A Beginners Guide To Bank Account Bonuses
• PSA: Don’t Call The Bank
• Introduction To ChexSystems
• Banks & Credit Unions That Are ChexSystems Inquiry Sensitive
• What Banks & Credit Unions Do/Don’t Pull ChexSystems?
• How To Calculate And Share Your ChexSystems Datapoints
• How To Use Our Direct Deposit Page For Bank Bonuses Page
• Common Bank Bonus Misconceptions + Why You Should Give Them A Go
• How Many Bank Accounts Can I Safely Open Within A Year For Bank Bonus Purposes?
• Affiliate Links & Bank Bonuses – We Won’t Be Using Them
• Complete List Of Ways To Close Bank Accounts At Each Bank
• Banks That Allow/Don’t Allow Out Of State Checking Applications
• Bank Bonus Posting Times

• Discover is offering cardholders 15% cashback on Capital One travel purchases (hotel or vacation rental) up to $200 back. Valid until January 23, 2027

Our Verdict

Not that interesting as it only works on hotels and vacation rental bookings. 

Hat tip to FM

No direct link to offer, sent out via e-mail

• Venmo is offering an double cash back on all purchases. Valid until 12/24/26 
  • Card typically earns at the following rates:
    • 3% cash back on your Top Spend category
    • 2% cash back on your Second Top Spend category
    • 1% cash back on all other purchases

Our Verdict

Limited to $50 cash back unfortunately but still a useful offer for a lot of people. 

Update 9/6/26: New code is PRINT810

Update 8/18/26: New code is GETONE

Update 8/4/26: New code is FALL810

Update 7/19/26: New code is BONFIRE

Update 6/19/26: New code is DADTHANKS

Update 5/8/26: New code is MVPMOM

Update 4/5/26: New code is RAINYPRINT

Update 3/15/26: New code is PRINT4YOU, valid until  3/17

Update 2/24/26: New code is ITSFREE810

Update 2/13/26: New code is HEARTS

Update 1/1/26: Two new codes: 810FREE & FREE4YOU

Update 12/23/25: New code is 8TEN

The Offer

Direct link to offer

• Walgreens is offering one free 8×10 photo print when you use promo code 8TEN

Our Verdict

Usually you can hold off on pick up for some time. That way you can just wait until you need something essential from Walgreens before going in. Remember to select full resolution when uploading.

The Offer

Direct link to offer

• ResortPass (day passes for resorts/hotels) is offering $20 off with no minimum spend when you use promo code LDW20

Our Verdict

Cheapest passes are $13 (for example W Aspen for locals), so you can actually get some for free. 

Hat tip to reader BankBetter

Update 10/18/26: Zift is back at 10x for 10/25 – 10/31, but excludes Zillion which has Amazon. (ht H Xu)

Update 10/18/26: Zift is back at 10x for 10/18 – 10/24, but excludes Zillion which has Amazon. (ht H Xu)

Update 10/7/26: Zift is at 10x. Valid 10/4/26  through 10/10/26. Note, reports are that only the blue cards (non-amazon) are earning the 10x, not the purples cards (amazon). 

Update 7/3/26: 12x on Best Buy gift cards of $50 or more. Direct Link (ht MEAB)

The Offer

• Safeway has a J4U offer to get 10x points on $50+ purchases of Zift Zillions gift cards. Expires on 6/28/25.
• Over the weekend you’ll get an extra 2x on all gift card purchases for a total of 12x.

Our Verdict

Safeway points are very valuable (up to $1.67 off groceries per 100 points), and Zift Zillions has various brands which are useful. Some can even be redeemed for Amazon or Airbnb and other top gift card brands.

Hat tip to reader RM

Deal History:

• Update 3/23/26: Lowe’s, DoorDash, Bass Pro are 10x back this week. 12x on Saturday if you clip the 4x coupon. (ht MEAB)
• Update 1/26/26: 10x this week on Instacart gift cards. On Saturday, clip the 4x coupon to get 12x total. (ht MEAB)
• Update 1/18/26: 10x on Zift Zillions, valid 1/18/26-1/24/26 (ht X Hu) There’s also a coupon you can clip for 4x on Saturday and you’ll end up with 12x total. 
• Update 11/13/25: 12x on Zift & Uber. $25 off Zift and many others including Instacart, Lowe’s, DoorDash and many others – see list here. 
• Update 11/9/25: Another round for 11/9 through 11/15 or 11/16. Starting on 11/12 or 11/24, there can be a stackable coupon for $25 off, see this comment for more details.
• Update 11/2/25: Back again from 11/02 to 11/08
• Update 10/26/25: Zillions is at 10x again (ht H XU). On 11/1 there will be another stackable coupon making it 12x if you save both coupons. Stack with 10% back on Grocery purchases with the targeted IGH card offer.
• Update 10/5/25: Zillions is at 10x again. Today is the last day for 10x + 4x + 10$ coupon
• Update 9/22/25: Upcoming for 9/24/25 – 10/7/25: get $10 coupon when you buy $50 in select gift cards. Zift Zillions is included and should stack with the 12x points (from 9/24 through 9/26). Other brands eligible for the coupon are Lowe’s, DoorDash, PetSmart, Ulta and more – see image. (ht H Xu)
• Update 9/21/25: Deal is back (ht H Xu), it probably ends on 9/26.
• Update 8/4/25: Stacks with $10 deal that starts on 8/6 until 8/6/25 – 8/19/25
•  Save $10 on your next shopping order when you buy $50 in participating gift cards (Participating cards include: Bath & Body Works@, Bloomin, Cinemark, Cracker Barrel, Domino’s@, DoorDash, Home Depot, Instacart, Kohl’s, Lowe’s®, Regal Cinemas, PlayStation®, Subway@, Ulta Beauty, Zift Zillions of Gifts offer per transaction.). Hat tip to reader shiti
• Update 8/3/25: Deal is back, ends Aug 8

The Offer

Scotch Products link

• Staples and Staples.com is offering 100% back in point on Scotch products, up to $40.
• Valid 6/21/26 – 6/27/26.
• Requires activation.

The Fine Print

• Valid on qualifying purchases of Scotch® products made in Staples® U.S. stores online at Staples.com. Not valid on Instacart, DoorDash or Uber Eats orders. Up to $40 in points may be earned. Excluding clearance. While supplies last. Offer available to Staples Easy Rewards member only. To be eligible for the offer, member must activate offer in their Easy Rewards dashboard on staples.com or Staples mobile app and provide membership number at checkout. Points will be earned on the purchase amount paid at checkout after application of all promotions, coupons, instant savings and point redemptions. May be used up to one time per Staples Easy Rewards member within the promotional period, nontransferable. Offer may not be combined with any other Staples Easy Rewards promotion in a single transaction. Not valid on prior purchases or purchases made with Staples Advantage In-Store Purchase Program. Offer is subject to change or cancellation at any time. Staples Easy Rewards program terms and conditions apply, for full program details visit staples.com/easy. Expires 6/27/26.

Our Verdict

These deals can be especially useful if you anyway need something from Staples. Remember you need to activate the offer when logged in first. 

Hat tip to SD

• Maximum bonus amount: $100 (limit of $500 in referrals)
• Availability: TX
• Direct deposit required: Direct deposit not required
• Additional requirements: None
• Hard/soft pull: Hard pull
• Credit card funding: Up to $100
• Monthly fees: $0
• Early account termination fee: Six months, $10
• Household limit: None listed
• Expiration date: None

The Offer

Direct link to offer, they can be shared in this linked page

• Firstmark Credit Union is offering a $100 referral bonus to both parties when the person being referred completes the following requirements:
  • Open a new checking account
  • Enroll in digital banking
  • Make at least 10 debit card transactions of at least $10 each

The Fine Print

• $100.00 Incentive to New Members and Existing Members who refer a person 18+ to open a new membership and eligible personal checking account with Firstmark Credit Union (Firstmark). Refer–a–Friend promotion effective July 28, 2026.
• Firstmark reserves the right to modify or discontinue this promotion at any time.
• Eligibility for friends and family of current members only. Primary account owner must be age 18 (and up) to be eligible.
• Youth, Trust, Memorial, and Rep Payee are not eligible for promotion. The minimum required balance to open a personal checking account is $25.00.
• To qualify for the incentive, the referred individual must open a new membership and an eligible Firstmark personal checking account – Basic (Free), Power of the Dollar® or Power of the Dollar® MAX checking account, maintain the account throughout the 60-day qualification period, complete ten (10) debit card transactions of at least $10 each, enroll in Digital Banking, and remain in good standing with the Credit Union with no negative balances. Signature- and PIN-based debit card transactions qualify.
• ATM transactions do not qualify.
• After all qualification requirements have been met, both the referring member and the new member will receive the $100 incentive on the 61st day.
• If the referred member does not satisfy all requirements, neither party will receive the incentive.
• There is a limit of five (5) referrals per member in a calendar year. If an existing member has met the referral limit on previous referral programs, they are not eligible for the bonus.
• Individuals who previously held a Firstmark membership or account that was closed within the past six (6) months are not eligible.
• No other promotions or offers may be combined with this promotion unless otherwise stated. 
• All bank account bonuses are treated as income/interest and as such you have to pay taxes on them

Avoiding Fees

Monthly Fees

The free checking account has no monthly fees to worry about.

Early Account Termination Fee

I wasn’t able to find a fee schedule so unsure if there is any EATF or not. 

Our Verdict

Please do not share referrals in the comments below, they can be shared in this linked page. Not as good as the $300 bonus that was once offered but this one doesn’t require a direct deposit. 

Hat tip to reader snailrock

Useful posts regarding bank bonuses:

• A Beginners Guide To Bank Account Bonuses
• PSA: Don’t Call The Bank
• Introduction To ChexSystems
• Banks & Credit Unions That Are ChexSystems Inquiry Sensitive
• What Banks & Credit Unions Do/Don’t Pull ChexSystems?
• How To Calculate And Share Your ChexSystems Datapoints
• How To Use Our Direct Deposit Page For Bank Bonuses Page
• Common Bank Bonus Misconceptions + Why You Should Give Them A Go
• How Many Bank Accounts Can I Safely Open Within A Year For Bank Bonus Purposes?
• Affiliate Links & Bank Bonuses – We Won’t Be Using Them
• Complete List Of Ways To Close Bank Accounts At Each Bank
• Banks That Allow/Don’t Allow Out Of State Checking Applications
• Bank Bonus Posting Times

• Maximum bonus amount: $200
• Availability: WA only
• Direct deposit required: Yes, $500+
• Additional requirements: See below
• Hard/soft pull: Unknown
• ChexSystems: Unknown
• Credit card funding: Unknown
• Monthly fees: None
• Early account termination fee: Unknown
• Household limit: None listed
• Expiration date: November 21, 2026 

The Offer

Direct link to offer

• Northwest Plus Credit Union is offering a $200 CD when new members complete the following requirements:
  • Open a savings and a checking account 
  • Receive monthly direct deposits of at least $500 (must be maintained until CD matures in 12 months)

The Fine Print

• *This offer applies to new NW Plus CU members who join between October 1, 2026 and November 21, 2026 and open both a savings and a checking account with active monthly direct deposits of at least $500.
• A credit union–sponsored $200 12-month CD will be issued after membership and accounts are established
• . Accounts will be reviewed quarterly to confirm ongoing direct deposit activity. Qualifying direct deposits are those from an employer for payroll, state benefit payments, pension/retirement plans, or federal benefit payments. Person to Person third-party payments (Zelle, Paypal for example) do not qualify.
• Early closure of either account for any reason before the CD term ends will forfeit the CD and any accrued interest. Accounts deemed to be acting in bad faith may be closed and the CD forfeited.
• To be eligible, you must be new to NW Plus CU, meaning you have not been a NW Plus CU member for at least 12 consecutive months prior to joining and you must have been a member in good standing when any previous membership terminated.
• All bank account bonuses are treated as income/interest and as such you have to pay taxes on them

Avoiding Fees

Monthly Fees

This account has no monthly fees to worry about.

Early Account Termination Fee

I wasn’t able to find a fee schedule so unsure if there is any EATF.

Our Verdict

Maintaining a direct deposit for 12 months for a $200 bonus isn’t worth it for most people. 

Hat tip to reader snailrock

Useful posts regarding bank bonuses:

• A Beginners Guide To Bank Account Bonuses
• PSA: Don’t Call The Bank
• Introduction To ChexSystems
• Banks & Credit Unions That Are ChexSystems Inquiry Sensitive
• What Banks & Credit Unions Do/Don’t Pull ChexSystems?
• How To Calculate And Share Your ChexSystems Datapoints
• How To Use Our Direct Deposit Page For Bank Bonuses Page
• Common Bank Bonus Misconceptions + Why You Should Give Them A Go
• How Many Bank Accounts Can I Safely Open Within A Year For Bank Bonus Purposes?
• Affiliate Links & Bank Bonuses – We Won’t Be Using Them
• Complete List Of Ways To Close Bank Accounts At Each Bank
• Banks That Allow/Don’t Allow Out Of State Checking Applications
• Bank Bonus Posting Times

• Maximum bonus amount:
• Availability: Open to Rockingham, Guilford, and Randolph counties in NC
• Direct deposit required: No
• Additional requirements: See below
• Hard/soft pull: Unknown 
• ChexSystems: Unknown
• Credit card funding: Unknown
• Monthly fees: None
• Early account termination fee: None 
• Household limit: None
• Expiration date: None

The Offer

Direct link to offer

• Acclaim Federal Credit Union is offering a $100 bonus when you open a new checking and savings account (with at least $100) and complete the following requirements:
  • Download our financial education app, Zogo, join with code ACCLAIM, complete one qualifying Zogo skill:
    • Make a Budget 
    •  Spot Fraud Before It Happens 
    •  Repay Debt
  • Send screenshot of completed skill

The Fine Print

• The Learn2Earn Match Program is available to eligible new members of Acclaim Federal Credit Union while grant funding remains available. 
• Eligible participants must open a new membership with an eligible savings account and will be automatically enrolled at account opening. Existing members are not eligible. Former members may qualify only if all previous Acclaim accounts have been closed for more than one year prior to opening the new membership. 
• Participants may not receive incentives through both the Learn2Earn Match Program and the Acclaim Financial Empowerment Grant Program. 
• Participants must complete one of three qualifying Zogo educational tracks -Make a Budget, Spot Fraud Before It Happens, or Repay Debt – and submit proof of completion within 60 days of account opening. Proof must be submitted to Teller@AcclaimFCU.org and include the participant’s full name, contact information, course name, and course completion screenshot. 
• The matching incentive will be calculated based solely on the initial savings deposit credited to the savings account at account opening after deduction of the required $5 membership fee. Additional deposits made after account opening are not eligible for matching funds. The minimum eligible match amount is $5 and the maximum match amount is $100. 
• Matching funds will be deposited after receipt and verification of proof of required course completion and will remain unavailable for withdrawal for 12 months from the account opening date. If the account is closed before the end of the 12-month holding period, any unreleased matching funds will be forfeited. 
• To receive matched funds, the account must remain open and in good standing throughout the holding period. Acclaim Federal Credit Union reserves the right to modify, suspend, or discontinue the program at any time based on grant requirements or funding availability.
• All bank account bonuses are treated as income/interest and as such you have to pay taxes on them

Avoiding Fees

Monthly Fees

This account has no monthly fees to worry about. 

Early Account Termination Fee

I wasn’t able to find a fee schedule to unsure if there is any EATF. 

Our Verdict

Seems like it could be a good bonus if it’s a soft pull to open. Share your experiences in the comments below. 

Useful posts regarding bank bonuses:

• A Beginners Guide To Bank Account Bonuses
• PSA: Don’t Call The Bank
• Introduction To ChexSystems
• Banks & Credit Unions That Are ChexSystems Inquiry Sensitive
• What Banks & Credit Unions Do/Don’t Pull ChexSystems?
• How To Calculate And Share Your ChexSystems Datapoints
• How To Use Our Direct Deposit Page For Bank Bonuses Page
• Common Bank Bonus Misconceptions + Why You Should Give Them A Go
• How Many Bank Accounts Can I Safely Open Within A Year For Bank Bonus Purposes?
• Affiliate Links & Bank Bonuses – We Won’t Be Using Them
• Complete List Of Ways To Close Bank Accounts At Each Bank
• Banks That Allow/Don’t Allow Out Of State Checking Applications
• Bank Bonus Posting Times

• Maximum bonus amount: $350
• Availability: IL only
• Direct deposit required: Yes, no minimum mentioned
• Additional requirements: Yes, see below
• Hard/soft pull: Unknown
• ChexSystems: Unknown
• Credit card funding: Unknown
• Monthly fees: None
• Early account termination fee: Unknown
• Household limit: None listed 
• Expiration date: None listed

The Offer

Direct link to offer

• United Trust Bank is offering a $350 bonus when you open a new checking account and complete the following requirements for three consecutive statement cycles:
  • Set up a qualifying payroll or retirement direct deposits
  • Activate debit card
  • Complete at least 10 debit card/POS transactions
  • Enroll in online banking and eStatements 

The Fine Print

• To earn the $350 bonus, receive qualifying payroll or retirement direct deposits for 3 consecutive statement cycles, activate your debit card and complete at least 10 debit card/POS transactions, and enroll in Online Banking and eStatements. Meet all bonus requirements within 120 days of account opening. Account must remain open at least 180 days after opening or the bonus may be forfeited or charged back. See account disclosure for full details.
• All bank account bonuses are treated as income/interest and as such you have to pay taxes on them

Avoiding Fees

Monthly Fees

Free checking has no monthly fees to worry about. 

Early Account Termination Fee

I wasn’t able to find a fee schedule so unsure if there is any EATF. 

Our Verdict

Seems like you can’t open this specific checking product online, so not sure if you have to open in branch? 

Hat tip to reader snailrock

Useful posts regarding bank bonuses:

• A Beginners Guide To Bank Account Bonuses
• PSA: Don’t Call The Bank
• Introduction To ChexSystems
• Banks & Credit Unions That Are ChexSystems Inquiry Sensitive
• What Banks & Credit Unions Do/Don’t Pull ChexSystems?
• How To Calculate And Share Your ChexSystems Datapoints
• How To Use Our Direct Deposit Page For Bank Bonuses Page
• Common Bank Bonus Misconceptions + Why You Should Give Them A Go
• How Many Bank Accounts Can I Safely Open Within A Year For Bank Bonus Purposes?
• Affiliate Links & Bank Bonuses – We Won’t Be Using Them
• Complete List Of Ways To Close Bank Accounts At Each Bank
• Banks That Allow/Don’t Allow Out Of State Checking Applications
• Bank Bonus Posting Times

Update 10/6/26: More targeted now through 10/31 (ht FM) See this post about stacking ideas. 

Update 9/16/26: More targeted now for 9/16 through 12/14 (ht tyty) See this post about stacking ideas. 

Update 7/3/26: Deal is back until 09/30/2026. Terms now state ‘Abuse of offers may result in exclusion from future offers.’

Update 4/1/26: Offer is back through June 30th (ht reader Savewise). See this post about stacking ideas. 

Update 2/18/26: Offer is back/around from January 1st through March 31st (ht MtM). See this post about stacking ideas. 

Update 1/1/26: $100/$600 Chase Travel offer is back. I believe you need to book by 1/31/26 and travel by 4/1/26, but might have the dates wrong. (ht PoAction)

Update 10/1/25: Offer is back with $100/$600 and valid through 12/31/25. If you find it on Chase Freedom Flex it stacks beautifully this quarter for an added 9x back or on the regular Freedom card for an added 5x back. (ht to reader Mike)

Update 8/1/25: Offer is back with $100/$600 and valid through 9/30/25.

Update 4/30/25: Offer is back, it’s $600/$100 this round. (ht casinovibes)

The Offer

Check your Chase Offers for the following deal:

• Earn $100 cash back on your Chase Travel purchase when you spend $600 or more, including taxes and after any discounts.

The Fine Print

• Offer expires 10/31/2024.
• Offer valid one time only.
• Offer only valid on purchases made directly at chasetravel.com.
• Offer valid online only.
• Offer not valid on purchases made using third-party services or a third-party payment account (e.g., buy now pay later).
• Complete payment for your Chase Travel purchase must be made by 10/31/2024.

Our Verdict

Less complicated version of the Ultimate Rewards offer we posted about yesterday.

Hat tip to reader Fin

• Maximum bonus amount:
• Availability: Nationwide
• Direct deposit required: None
• Additional requirements: See below
• Hard/soft pull: Soft pull
• ChexSystems: Unknown
• Credit card funding: Yes, $2,500. Visa & Mastercard accepted No longer offered
• Monthly fees: None 
• Early account termination fee: None 
• Household limit: None 
• Expiration date: None 

The Offer

Direct link to offer

• Quorum Federal Credit Union is offering a savings bonus of up to $1,000. Must fund account within 15 days of account opening and maintain the balance for at least 180 days. Tiers are as follows:
  • $25,000 – $49,999.99: $100 bonus
  • $50,000 – $99,999.99: $250 bonus
  • $100,000 – $249,999.99: $500 bonus
  • $250,000 or more: $1,000 bonus 

The Fine Print

• To qualify for this offer, the account must be opened by an individual who has not been a member of Quorum Federal Credit Union within the previous 36 months. Limit one bonus per individual. 
• Within 15 calendar days of account opening, the member must deposit at least $25,000 in new money into a qualifying HighMarq account. New money is defined as funds deposited from a financial institution outside of Quorum Federal Credit Union and excludes transfers from existing Quorum accounts. 
• The bonus qualification period begins on the date the account is opened and ends 15 calendar days later. Only qualifying new money deposited during this period will be used to determine the member’s initial bonus tier. 
• Bonus eligibility is determined by the lowest account balance maintained during the 180 consecutive days following the end of the 15-day qualification period, according to the following tiers: 
  • $25,000 to $49,999.99 = $100 bonus 
  • $50,000 to $99,999.99 = $250 bonus 
  • $100,000 to $249,999.99 = $500 bonus 
  • $250,000 or more = $1,000 bonus 
• If the account balance falls below a tier threshold at any time during the 180-day maintenance period, the member will qualify only for the corresponding lower tier, if any. 
• The account must remain open and in good standing throughout the qualification period and at the time the bonus is paid. The bonus will be credited within 30 days after all promotional requirements have been satisfied. 
• Bonuses may be reported as interest dividends and may be reported on IRS Form 1099-INT. The Annual Percentage Yield (APY) is variable and subject to change at any time. Quorum Federal Credit Union reserves the right to modify, suspend, or terminate this offer at any time. Any changes will not affect members who have already met the offer requirements before the effective date of such modification.
• All bank account bonuses are treated as income/interest and as such you have to pay taxes on them

Avoiding Fees

Monthly Fees

This account has no monthly fees.

Early Account Termination Fee

I found no mention of any early account termination fee in their fee schedule.

Our Verdict

This works out as an additional 0.8-1% APY depending on the tier. This just brings it up close to 5% APY so don’t think it’s worth considering with other basic savings accounts earning similar rates. We won’t be adding this to our list of the best bank account bonuses. 

Useful posts regarding bank bonuses:

• A Beginners Guide To Bank Account Bonuses
• PSA: Don’t Call The Bank
• Introduction To ChexSystems
• Banks & Credit Unions That Are ChexSystems Inquiry Sensitive
• What Banks & Credit Unions Do/Don’t Pull ChexSystems?
• How To Calculate And Share Your ChexSystems Datapoints
• How To Use Our Direct Deposit Page For Bank Bonuses Page
• Common Bank Bonus Misconceptions + Why You Should Give Them A Go
• How Many Bank Accounts Can I Safely Open Within A Year For Bank Bonus Purposes?
• Affiliate Links & Bank Bonuses – We Won’t Be Using Them
• Complete List Of Ways To Close Bank Accounts At Each Bank
• Banks That Allow/Don’t Allow Out Of State Checking Applications
• Bank Bonus Posting Times

Direct Link to offer

• Rakuten is offering a daily deal as the holiday shopping season kicks off:
  • 11/1: Dick’s Sporting Goods 15% (19% for Rakuten cardholders)
  • 11/2: Foot Locker 25% (30% for Rakuten cardholders)
  • 11/3: Expedia 12% on hotel bookings (30% for Rakuten cardholders)
  • 11/4: Gap 20% (30% for Rakuten cardholders)
  • 11/5: Dermstore 23% (30% for Rakuten cardholders)
  • 11/6: Lands’ End 20% (30% for Rakuten cardholders)
  • 11/7: AliExpress 30% (35% for Rakuten cardholders)
  • 11/8: Dyson 15% (30% for Rakuten cardholders)
  • 11/9: Skechers 30% (35% for Rakuten cardholders)
  • 11/10: QVC 20% (30% for Rakuten cardholders)

Our Verdict

Some nice deals here. The Expedia hotel bookings rate could be interesting, especially for Rakuten cardholders who get 30x on Expedia hotel bookings on November 3rd. (More details on the Rakuten card here.)

If you’re new to Rakuten, sign up first via a referral link to get an extra $50 – find the full details in this post.

Alaska | United| American | Delta| Southwest 

• Alaska Shopping is offering up to 1,500 bonus miles when shopping through their portal through 11/20/26:
  • Earn 300 miles when you spend $100
  • Earn 750 miles when you spend $350
  • Earn 1,500 miles when you spend $650
• United MileagePlan Shopping is offering up to 5,000 bonus miles when shopping through their portal through 11/20/26:
  • Earn 500 miles when you spend $125
  • Earn 2,000 miles when you spend $500
  • Earn 5,000 miles when you spend $1,000
• American MileagePlan Shopping is offering up to 4,000 bonus miles when shopping through their portal through 11/20/26:
  • Earn 500 miles when you spend $200
  • Earn 1,500 miles when you spend $600
  • Earn 4,000 miles when you spend $1,600
• Delta  is offering up to 2,500 bonus miles when shopping through their portal through 11/21/26:
  • Earn 500 miles when you spend $100
  • Earn 1,000 miles when you spend $600
  • Earn 2,000 miles when you spend $1,200
• Southwest Rapid Rewards Shopping is offering up to 2,500 bonus miles when shopping through their portal through 11/23/26:
  • Earn 500 miles when you spend $100
  • Earn 2,000 miles when you spend $400
  • Earn 5,000 miles when you spend $800

Our Verdict

These portal bonuses are always nice. As always, check portal rates before deciding which to use.