• Hold time now 50 weeks
• Reward is in RLUSD (Ripple backed stable coin)
• $10-$50,000: 4% match
• $50,000-100,000$ – > 6% match

Hat tip to reader Chan

Update 4/30/26: Deposit match is back. This time it’s 2% match for $10-$100,000 deposit or 3% for $100,000-$200,000 deposit. Hold time is now 30 weeks. 

Update 3/25/26: 5% deposit match is back until 4/14/2026 8PM PDT. Deposit requirement is $10-$100k. 

Update 2/19/26: Offer has been reloaded with a $100,000 maximum now (was $50,000). Opt in date is now Mar. 4, 2026 10:00pm. Again I don’t see how this is sustainable especially with the caps increasing each time. 

The Offer

Direct link to offer (this is for the terms, you should see the offer in app)

• Crypto platform OKC is offering a 5% match on balances $1,000-$50,000. Hold period is 24 weeks but seems to pay out every 14 days so you should be able to get partial credit without holding for the full period. Must opt in by February 17, 2026

Screenshot

The Fine Print

1. This deposit match rewards program is being offered by the OKX entity on which you are onboarded as a customer under the OKX Terms of Service (“OKX“). The rewards period (the “Rewards Period“) shall be stipulated in the relevant reward session landing page.
2. Deposit Match is available to new or existing eligible OKX users, who are not employees of OKX, residing in the United States during the Rewards Period (as confirmed by advanced identity verification) except for individuals residing in New York, Texas, American Samoa, Guam, the Northern Mariana Islands, and the US Virgin Islands.
3. You must click the “Opt-in” button and and make sure the button has been updated to “Deposit now” to be considered a valid participant of the rewards program. Otherwise, your participation will be void and deposits made during the Rewards Period will not be counted.
4. In order to participate and receive the relevant rewards in this rewards program, participants must pass or have previously passed OKX’s advanced KYC identity verification.
5. Each user can only participate in one rewards session at any one time.
6. Participation in this rewards program is restricted to the main account only. Sub-accounts are not eligible to participate. The deposit of sub-accounts will not be included in the calculation of the deposit of the main account.

Our Verdict

Some things to note:

• These funds are in crypto and there is no insurance provided. OKX is one of the larger exchanges but that doesn’t mean they are immune from issues. 
• You can get 5% 3.5% APY interest earned automatically on USDG held in OKX
• Can participate on airdrops (assuming the crypto you hold qualifies)
• Doesn’t seem like transferring out, opting in and then transferring back in will work
• Can stack with $200 referral bonus (do not share referrals below)

OKX has been offering a few of these things lately, interestingly the maximum deposit is increasing but overall APY is decreasing (h/t Alex):

• First time $300 bonus for $3k deposit, 90 days, effective APY ~40%
• Second time $250 bonus for $5k deposit, 90 days, effective APY ~20%
• Third time $2500 bonus for $50k deposit, 168 days, effective APY ~10.8%

Personally I can’t see how this is sustainable for OKX at all. If everything works out and you hold funds in USDG then you’re effectively earning 15% 13.5% APY (10% APY from this promotion and then another 5% 3.5% from regular USDG earning). Only you can decide if the risk is worth that extra potential return or not. Personally I’ll skip this offer. 

The Offer

Direct link to offer

• Ibotta is offering a new promotion called ‘Fuel Your Wallet’. Every Thursday through June 4, 2026 they will release a code offering fuel savings. 

Our Verdict

Last week the code was for $28 but it was only for new users of Ibotta. Existing users seemed to get $1-4 from what I can tell. It’s not clear if it’ll be a flat discount each week or increased rates on merchants through Ibotta. Doubt this will be as good as the 7-11 fuel codes but one can hope. Find more ways to save money on fuel by clicking here. 

Update 1/5/26: Bonus now good through 3/31/26 but only $50 per month for $300 total. 

Update 8/30/25: Deal is back with no end date listed.  Some speculation that they auto deny anybody not in a state with branches (NY, FL?). Hat tip to BankBonusIsMyReligion

There’s a $600 checking bonus using code TAMPA600 in-branch at the Tampa Westshore Branch

Update 3/18/25: Deal is back until JOIN25. Hat tip to knuds1b

Update 12/10/24: Deal is back and valid until 12/31/2024.  Some speculation that they auto deny anybody not in a state with branches (NY, FL?). Hat tip to Jenya

Offer at a glance

• Maximum bonus amount: $300
• Availability: Nationwide
• Direct deposit required: Yes, $1,000+ for four months
• Additional requirements: See below
• Hard/soft pull: Soft
• ChexSystems: Yes
• Credit card funding: None
• Monthly fees: None
• Early account termination fee: None mentioned
• Household limit: None mentioned
• Expiration date:

The Offer

Direct link to offer

• Teachers Federal Credit Union is offering a $300 bonus when you open a new checking account. Bonus is broken down as follows use promo code SMART600 and enroll in eStatements and online banking:
  • Earn $100 per month for up to 6 months by completing the following requirements
    • Open a new Teachers checking account
    • Receive at least $1,000 in monthly direct deposits

The Fine Print

• Direct Deposit & Debit Card Cash Back Offers: Earn up to $300 in cash bonuses. 1) Direct Deposit Offer: The up to $200 cash bonus will be earned by opening a new Teachers checking account and receiving qualifying direct deposits totaling at least $1,000 each monthly statement cycle (“Evaluation Period”) for four consecutive Evaluation Periods. Qualifying direct deposits are defined as an ACH/electronic deposit(s) of payroll from your employer, pension or government benefits such as Social Security.
• Deposit(s) that do not qualify for this promotion include but are not limited to: ACH external transfers, any Peer-to-Peer (“P2P”) transfers such as from Venmo, PayPal, Cash App, Zelle®, merchant transactions or point-of-sale credits such as, but not limited to: transactions from PayPal, Stripe, Square, etc, in-person check or cash deposits, wire transfers, ATM transfers, and Online and Mobile Banking transfers.
• Micro-deposits and/or deposits used to verify accounts do not qualify.
• A maximum cash bonus of $200 will be earned and deposited in $50 increments after each Evaluation Period in which $1,000 in qualifying direct deposits are posted to the new Teachers checking account.
• No bonuses shall be paid for qualifying direct deposit(s) totaling less than $1,000 during any Evaluation Period.
• Direct deposit(s) must begin before the start of the second Evaluation Period.
• Any member that fails to meet the minimum requirements and/or discontinues their direct deposit(s) during or before the four consecutive Evaluation Periods will no longer be eligible to receive any additional bonuses during the promotion. 2)
• Debit Card Cash Back Offer: The up to $100 cash bonus will be earned by opening a new Teachers checking account with a Teachers debit card linked to that account. Members will earn 2.00% cash back on the first $500 of qualifying debit card purchases and 3.00% cash back on the next $500 of qualifying purchases. A maximum bonus of up to $25 in cash back can be earned each Evaluation Period. Qualifying debit card purchases do not include and may not be limited to: ATM/point-of-sale cash back transactions, P2P payments, loan payments, account funding, refunds and disputed or unauthorized transactions.
• For accounts opened online, you must use offer code JOIN2023 to be eligible.
• Additional Program Guidelines/Restrictions: Offers as of 07/12/2023.
• These offers are available to new members only.
• All bank account bonuses are treated as income/interest and as such you have to pay taxes on them

Avoiding Fees

Monthly Fees

Both the Smart Checking and Share Draft Checking accounts are eligible for this offer. Neither account has any monthly fees to worry about.

Early Account Termination Fee

None

Referral Bonus

You can currently get an extra $100 bonus when you use a referral link (just remember to add code JOIN600 to trigger the standard offer). To qualify for the referral bonus you must also complete 10 debit card transactions. 

The terms specifically state these offers stack: “This offer may be combined with the Refer-a-Friend promotion”. You can find and share referrals in this linked post, do not share them in the comments below.

Our Verdict

People had a lot of issues with the $400 checking bonus. That bonus was better but I doubt we will see something that good again. I’d recommend reading the comments to see if you want to deal with this bank before signing up.

Hat tip to Bockrr

Useful posts regarding bank bonuses:

• A Beginners Guide To Bank Account Bonuses
• Bank Account Quick Reference Table (Spreadsheet) (very useful for sorting bonuses by different parameters)
• 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 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

According to reddit user Karanel Citi will be discontinuing the Custom Cash Card by the end of the week. The same user previously provided accurate information regarding the Citi Rewards+ card being discontinued. 

It’s unclear what would happen to existing cardholders, but Citi Rewards+ cardholders were forced to product change to Citi Strata (no annual fee). For those not familiar the Citi Custom Cash card offers the following:

• $200 sign up bonus after $1,500 in spend
• No annual fee
• Card earns at the following rates:
  • Earn 5% cash back on your top eligible spend category each billing cycle up to $500 spent
  • Earn 1% cash back thereafter on all other purchases

Obviously this is just a rumor, but it seems reliable to me based on the previous history and their comment history. If you’re interested in this card I’d be applying ASAP. Before applying for any Citi cards I’d recommend reading these things people should know about Citi cards. 

Direct link to offer

• Steak ‘n Shake is offering a free Double Steakburger when you wear any American Flag item tomorrow (5/28). Limit 1 per person

Our Verdict

Free is free, I imagine the lines/wait time are going to be very long. 

This shows under Capital One offers (the offers in the credit card login)

• Capital One offers is offering $10/1,000 points back when you spend $20+ at select merchants including: Home Depot, Sam’s Club, Chewy, Dollar General & More

Our Verdict

Some important things to note with Capital One offers:

• Don’t click through to the offers until you’re ready to use them otherwise they will disappear.
• Use them in the order of best value as often if you do one the others will disappear. 

Fantastic deal if you’re targeted, unfortunately most people won’t be. 

Hat tip to FM

• Bilt rent day for May 2026, up to 100% bonus to Avios:
  • Blue = 25% bonus
  • Silver = 50% bonus
  • Gold = 60% bonus
  • Platinum = 100%  bonus (Platinum can upgrade to 125%)

The Fine Print

• Limit of 100,000 points can be transferred. 

Our Verdict

New Palladium card comes with Gold status if you spend $4,000 in the first three months, not sure how long that takes to trigger. Can also use Bilt cash to upgrade status ($150 to upgrade one tier). 

These transfer bonuses are the best times to use Bilt points and one of the rare occasions when a speculative transfer can make sense. 

Update 4/26/26: Deal is back through 5/23/26 (ht karmafuture)

The Offer

• Check your Citi Offers for 1% – 3% cash back at Food Lion, up to $8 back. Expires April 30, 2024.
• Check your Chase Offers for 7% back at Food Lion, up to $7. Others got 5%/$5.

Our Verdict

Grocery offers are always nice. Should stack with the Rakuten in-store offer and possibly with a Citi SimplyMiles deal.

Deal History:

• Update 2/24/26: Chase/U.S. Bank 5% back through 4/25/26, up to $5 cashback (ht karmafuture)
• Update 2/24/26: Chase/U.S. Bank 5% back through 3/28/26, up to $5 cashback. The AmEx Offer ends on 2/21. 
• Update 2/1/26: now on AmEx Offers as well through 2/21/26 (ht karmafuture)
• Update 1/25/26: Offer is back through 2/21/26
• Update 11/25/25: Chase Offer and U.S. Bank Offer is back for 5%/$5 through 12/29. Reminder that U.S. Bank Double Cashback Days are coming for 11/26-11/28 which stacks well. (ht karmafuture)
• Update 9/28/25: Chase Offer is back through 10/25/25 (ht karmafuture)
• Update 6/30/25: Chase Offer is back through 7/26/25
• Update 5/25/25: Chase Offer is back through 6/28/25

Update 5/14/26: Another new drop,  NIGHT, from May 13 to May 20. Hat tip to reader BonusVault

Update 5/4/26: New airdrop from May 4, 2026 at 6:00 AM until May 11, 2026 at 6:00 AM. A total of 375,000 GRASS is up for grabs. (ht ieatdogfood)

Update 4/27/26: New airdrop started now – April 27 through May1st. It’s for 1.5M OFC. (ht Chan)

Update 4/14/26: Another drop coming up, for 1M of BASED crypto from April 14 to April 17. Drop time is 9PM PST every day. (ht reader BonusVault)

Update 3/23/26: New drop starting today for MON. Hat tip to reader Party Like It’s 1929

Update 2/28/26: New drop starting 3/2, remember need a minimum hold of $10,000 now. 

Your rewards scale with your balance:

• Standard: Hold $10K+ in eligible crypto to participate
• VIP: Hold $100K+ in eligible crypto to unlock up to 10x rewards

Top up early to reach your tier and maximize your rewards — don’t miss the most rewarding X Drop yet.

How it works:

• Join the upcoming Canton ($CC) X Drop in the app on March 2, 8:00 PM PST
• Rewards are based on your daily eligible balance (up to $20K for standard users, $200K for VIPs)
• Rewards are distributed automatically each day

Update 2/27/26: USAT now also excluded from earning air drop. Full list of excluded assets: cash, USDG, USDC, USDT, USD1, DAI, PYUSD, USAT. 

Update 2/13/26: A change goes into effect on March 1st: the air drop minimum holdings will be $10,000 and you’ll earn more for holding up to $100,000 in crypto. (Note: Having 100k in assets is not enough to qualify for VIP and get an increased airdrop earnings. Your trading volume should also be 100k+ per 30 days.)

Update 2/12/26: New air drop for 1.8m ZAMA, starts today and runs through February 15th. Also note: OKX now excludes PYUSD from counting for air drops. (Full list of excluded assets: cash, USDG, USDC, USDT, USD1, DAI, PYUSD.)

Update 2/4/26: New air drop for SENT, starts today and runs through February 8th

Update 1/26/26: The SPACE air drop is running for 5 days, from January 26 through January 30th. They’ve increased the max to $20,000 now (previously it was $10k).

Update 1/24/26: New air drop for SPACE coin coming soon (doesn’t say dates). You’ll also get a multiplier if you refer people to Airdrops (not to OKX itself). Refer multiplier lasts for 14 days. Do not share referrals in comments please.

Update 1/15/26: New Air Drop for FOGO. It runs from January 15th through January 19th with a new Drop each day. Hat tip to reader Harry

Update 1/8/26: There’s a new Air Drop today at 11am EST for 500k BREV. (ht Alex)

Update 12/29/25: They’ve now excluded USDT from being eligible for Air Drops. (Previously only USDC and USDG were excluded.) 

Update 12/15/25: Looks like there is a new round for NIGHT? I don’t fully understand how it works to eb honest. Promo link here.

The Offer

Direct link to offer

• Crypto platform is offering free crypto via an airdrop when you hold $1,000 in crypto on OKX. 
  • OKX → Opt-In → earn rewards

Our Verdict

First one seems to be SEI tokens. They are giving away 1,000,000 in total, price seems to be $0.13 so $130,000 worth total. Although USDC/USDG/USDT is excluded, and that’s what most readers hold. As always do your own due diligence. 

Many readers already have an account with OKX from the easy $200 signup bonus or the older/expired $200 referral bonus and from the deposit match deals.

If you have a Chase Business card you can get a 40,000 points bonus when you refer a friend to signup for any of the 4 INK cards or for the Sapphire Reserve for Business card.

• Important reminder: since October 2025, Chase Business card referrer bonus is only when you refer a new Chase for Business customers. Not going to work if you refer a fellow churner who is currently holding a Chase Business card.

You can look out for an email from no_reply@mcmap.chase.com or check on this dedicated page from Chase.

Update 5/21/25: Deal is back and valid until October 31, 2025

Update 10/11/24: There’s a new release of this offer which is valid through 12/31/24. (ht 987h)

The Offer

No direct link, targeted offer

• Get a one-time $100 statement credit by using your enrolled eligible Card to spend a minimum of $500 USD in one or more purchases on room rate and room charges at select Wyndham Hotels & Resorts Luxury Destinations in the US and Internationally from 7/3/2024 to 10/31/2024. Book at wyndhamhotels.com

The Fine Print

• Offer valid at participating Wyndham Hotels & Resorts in the US and Internationally.
• Please reference wyndhamhotels.com/amexofferluxury to view participating properties.

Our Verdict

Nice deal if you need to stay at one of these properties.

View more Amex offers here & if you have any questions about American Express offers then read this post.

• AmEx Offers: An Introduction & Profitable Examples
• How To Sign Up For Multiple American Express Sync Offers
• Amex Offer Credit Not Posting, What to Do?
• How Does American Express Decide Who Receives What AmEx Sync Offer?
• Do I Need To Make A Single Purchase For AmEx Offers, Or Is It Cumulative?
• What Happens When You Have Two Active AmEx Offers For The Same Store?
• Amex Offers: Do Electronic Wallets Trigger the Offer Credit?

• Preferred Honors level ($100k assets) receives up to $8 in credits. Premier level ($1M+ assets) receives up to $15 in credits.
• Streaming credits are valid at:
  1. Paramount+
  2. Sirius XM
  3. WSJ
  4. The Economist
• Must have a BofA checking account – you must use your debit card to pay for any of these subscriptions in order to get the credit.
• This benefit requires activation.

Feel free to discuss best options in the comments below. I might subscribe to WSJ for $8 every 4 weeks (will probably end up getting hit with one or two non-credited charges per year). 

As discussed in the original post, the new Bank of America Preferred Rewards program also includes a huge downgrade for those in the $100k tier in terms of credit card rewards which will go into effect sometime in 2027-2028 (varies by member).

The Offer

Load coupons here for all Kroger stores | Harris Teeter

Check your Kroger coupons for the following offers:

• Save a digital coupon to get 4x fuel points on Visa and Mastercard $100, $50, or $25 fixed-value gift cards. (Does not work on variable-load Visa/MC gift cards.)
• Save a digital coupon to get 4x fuel points on third party gift cards. (Excludes Amazon.)

You should see these coupons for all Kroger-family brands. Deal usually becomes available at Harris Teeter as well in roughly the same time period. Typically, gift cards earn 2x, and occasionally they’ll put out offers like these to bump it up to 4x.

Our Verdict

When maxed out on a 35-gallon fill, 4x fuel points can amount to a 14% discount on gas. Select Kroger stores now allow redeeming fuel points for groceries now as well.

Deal is valid online and in-store. Remember to use a card that earns at a high rate on grocery store purchases. There is also a Chase offer for 10% back.

Deal History:

• Update 5/13/26: On Friday only (5/15/26) the coupons for Visa/MC and for third-party gift cards will be back. Hat tip to Stefan
• Update 4/30/26: Now third party and fixed through 5/12. Ht Stefan
• Update 4/22/26: 4x is coming back for 4/24 only on third party gift cards. Also 4x on Visa/MC through 5/12. (ht Stefan)
• Update 4/16/26: 4x on fixed value Visa & Mastercards is back 4/15 through 5/12, Reminder third party still good through 4/21/26. Ht stefean
• Update 4/8/26: Deal is back until 4/21/2026, this time only third party gift cards. ht Stefan
• Update 3/25/26: Deal is back on third party gift cards and fixed-value Visa and Mastercard gift cards. Valid 3/25 – 4/7. Separately, there’s also an offer for 4x on non-gc purchases for 3/27 – 3/29. (ht Stefan)
• Update 3/18/26: 4x on dining gift cards only, 3/18 – 3/24 (ht Stefan)
• Update 3/13/26: 4x FUEL POINTSwhen you buy participating gift card(s). *Offer valid 3/13/2026 through 3/15/2026 on 100’s of gift cards.
• Update 3/5/26: 4x on Visa/MC until 3/17/2026. 
• Update 2/25/26: One day only, Friday 2/27, get 4x on Visa/MC and third party gift cards. Hat tip to reader Stefan
• Update 2/19/26: Deal is back on fixed Visa/MC, but no third party this week. Ht to reader Stefan
• Update 2/11/26: 4x third party available through 2/17. Visa/MC available 2/11 through 2/24. Hat tip to reader Stefan
• Update 2/4/26: Coupon is back for 2/4 – 2/17. No Visa/MC this time, just third-party gift cards. Hat tip to reader Stefan
• Update 1/28/26: Deal is back from 1/30 through 2/1 on  third party and fixed Visa/MC. Ht Stefan. 
• Update 1/21/26: Deal is back for Friday, 1/21 for third-party and for Visa/MC fixed value gift cards. Separately, you might find a coupon for variable load Visa/MC gift card fee waiver. (ht Stefan)
• Update 1/7/26: Deal is back for both Visa/MC and third party gift cards, valid from 1/7 – 1/20. (ht reader Stefan)
• Update 12/31/25: Deal is back for Visa/MC from 12/31 through 1/6. Deal is back for Friday 1/2 only for third party gift cards. There’s also a 400 bonus points on variable load MC/Visa from 12/31/25 – 1/6/26. (ht reader Stefan)
• Update 12/26/25: Deal is back through 12/28/2025. Not valid on fixed Visa/MC this time. ht Stefan
• Update 11/24/25: 4x fuel points is back for 11/12 through 12/2. This time it includes the regular fixed-Visa/MC and third-party gift cards, along with the addition of an Amazon coupon this time. (ht Stefan)
• Update 11/5/25: Deal is back, more complicated than normal. Full details here.
• Update 10/22/25: Deal is back for 10/22 through 11/4. There’s also a coupon for 200 points on Best Buy gift cards. (ht reader Stefan)
• Update 10/15/25: Deal is back, pay close attention to the differing dates:Get 4x FUEL POINTSwhen you buy participating gift card(s). *Offer valid 10/17/2025 through 10/19/2025 on 100’s of gift cards. Get 4x FUEL POINTS when you buy participating denominated $25, $50 or $100 Visa® and/or Mastercard® gift card(s). *Offer valid 10/15/2025 through 10/21/2025. Hat tip to reader Stefan
• Update 10/1/25: Deal is back 10/1 – 10/14. This time it’s for Visa/MC fixed and also for select third party gift cards (seems like it’s limited to just dining and gaming gift cards this time). (ht Stefan)

See older history on this dedicated page. 

• MileIQ: $200 to “link your new account wherever you’re earning business income. Receive $2,000 or more into your new account within 60 days.
• Faire. Seems like you need your payment systems with Faire, but deal is for $500.

Update 1/6/26: Extended to 12/31/2026

Update 10/29/25: Extended to 12/31/2025. Hat tip to reader Bob the Bonus

Update 4/5/25: Extended to Sep 30, 2025

Update 12/27/24: Offer extended to 3/31/25

Update 11/19/24: Bonus is back until 12/31/24.

Offer at a glance

• Maximum bonus amount: $125
• Availability: Nationwide
• Direct deposit required: No
• Additional requirements: See below
• Hard/soft pull: Soft pull
• ChexSystems: No
• Credit card funding: No
• Monthly fees: None
• Early account termination fee: Unknown
• Household limit: None listed
• Expiration date: Account must be opened by 10/31/2024

The Offer

Direct link to offer

• Found is offering a $125 bonus when you open a new checking account and complete the following requirements:
  • Reach a $5,000 balance within the first 30 days of account opening and maintain it for an additional 30 days to receive a $125 bonus
• There is also a $100 referral bonus when you spend $1,000 on the debit card, I do not think these offers stack

The Fine Print

• Account must be opened by 10/31/2024.
• This offer is valid through 12/31/2024 and is limited to one reward per account.
• Incentive rewards are deposited into your Found account on or before 30 days of meeting the incentive requirements.
• 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

Feel free to share your referrals in the comments below, I don’t think it’s possible to stack the bonuses though and actually think the $125 bonus might be easier for most people.

Hat tip to reader RJ

Useful posts regarding bank bonuses:

• A Beginners Guide To Bank Account Bonuses
• Bank Account Quick Reference Table (Spreadsheet) (very useful for sorting bonuses by different parameters)
• 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 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-$1,000
• Availability: Nationwide, sole props not eligible
• Direct deposit required: None
• 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: None listed

The Offer

Direct link to offers below, do not share your referrals in the comments below. They can be shared and found in this linked post.

• Rho is currently offering up to $1,000 in bonuses when you open a new account:
  • (Nerdwallet or other sources) $350: when you deposit $10,000 and maintain that balance for 90 days
  • Referral: $500 when you deposit $20,000 and maintain that balance for 90 days
  • Referral: $1,000 when you deposit $100,000 and maintain that balance for 90 days

The Fine Print

• 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 wasn’t able to find a fee schedule or mention of an EATF

Our Verdict

Rates are listed here, but you need a minimum balance of $100,000 otherwise it looks like you aren’t eligible. If you put $10,000 into a 5% APY account you’d earn $125 over the same 90 day period, so the $350 bonus is significantly better. 

I suspect getting approved will be difficult as these accounts seem to be designed for start ups/high growth accounts. Personally this is an easy pass for me, but others might want to give it a go. Share your experiences in the comments below. 

Please do not share your referrals in the comments below, they can be shared in this linked post. 

Hat tip to reader dealgamer

Useful posts regarding bank bonuses:

• A Beginners Guide To Bank Account Bonuses
• Bank Account Quick Reference Table (Spreadsheet) (very useful for sorting bonuses by different parameters)
• 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 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