Affirm offers a high-yield savings account at 3.85% APY with no minimum balance, no monthly fees, and FDIC insurance. Interest compounds daily and is paid monthly.
My eBanc offers up to 3.90% APY on savings, but requires a $25,000 opening deposit and has a $15 monthly fee if your balance dips below that. A solid rate for large balances, but watch the fees and requirements.
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Maximum APY: 3.90% for balances of $100,000 and above
APY for Lower Balances: 3.70% for balances below $100,000
Minimum to Open: $25,000
Monthly Fee: $15 if average daily balance falls below $25,000
Open a SoFi Checking & Savings via Rakuten to earn $250 cash back, then trigger SoFi's own $300 bonus with direct deposit. A potential $550 total, but timing and deposit rules are key.
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Total Potential Bonus: $550 ($250 from Rakuten + $300 from SoFi)
Primary Requirement: Open a new SoFi Checking & Savings account via a Rakuten link and complete a qualifying direct deposit.
Minimum Direct Deposit: $500
Deadline for Direct Deposit: Within 45 days of clicking the Rakuten link
My Banking Direct offers a competitive 5.25% APY on a 5-month CD with a $2,500 minimum. A solid, short-term option for cash you know you won't need for a few months.
BluPeak Credit Union offers a nationwide money market account at 3.75% APY with a $100 minimum. Here's what you need to know about membership, rates, and if it's right for you.
Farmers Insurance FCU offers $100 or $250 for new High Yield Checking accounts with qualifying direct deposits. Requires $1k-$5k monthly deposits for 3 months. Nationwide (except LA). Bonus is taxable interest.
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Offer Amounts: $100 bonus for $1,000-$4,999 in monthly direct deposits OR $250 bonus for $5,000+ in monthly direct deposits.
Account Required: High Yield Checking account (also earns up to 5.00% APY on balances up to $5,000 with qualifying activities).
Key Requirement: Must set up and receive qualifying ACH direct deposits for three consecutive calendar months.
Promo Code: Must use promo code 'DDEP' during account opening.
Veritex Community Bank offers a nationwide Max Savings account with up to 5.39% APY, but you must apply through a third-party platform. Here's how it works and what to watch for.
Primis Bank's Perks Checking account pays 50 cents cash back on every debit card purchase nationwide. No monthly fees, $1 minimum to open, and a soft credit pull.
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Core Offer: 50 cents cash back on every debit card purchase
Account Type: Perks Checking
Availability: Nationwide (online); physical branches in Maryland and Virginia
Earn 10,000 MyPoints when you open a Current account and set up a $200 direct deposit. No minimum balance, free overdraft up to $200, and up to 4% APY on savings.
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Reward: 10,000 MyPoints
Requirement: Open a Current account and set up a payroll direct deposit of $200 or more
Offer expiration: Limited time (no specific end date given)
Earn a 17,000-point bonus by opening a Step banking account via MyPoints. Requires setting up $500 in monthly direct deposits. Points post after 32 days.
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Bonus Amount: 17,000 MyPoints
Required Action: Open a new Step account and fund it
Key Requirement: Set up $500 in monthly direct deposits to your Step account
First Citizens Bank offers an 11-month CD at 5.00% APY with a $5,000 minimum. It's online-only and FDIC insured. Here's what to know before you lock in your cash.
First United Bank offers a $250 personal checking bonus until 10/18/24 and a $300 business checking bonus until 9/30/24. Both are limited to Texas and Oklahoma residents. Here's how to claim them and what to watch out for.
Jovia Financial Credit Union offers standout CD rates, including a 5.30% APY 15-month term. Open to anyone nationwide with a $100 minimum. Here's a detailed look at the offer and key considerations.
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Top CD Rates: 5.30% APY for 15 months, 5.00% APY for 8 months
Climate First Bank offers standout no-penalty CDs: 5.34% APY for 6 months and 5.00% APY for 12 months. With a $500 minimum, unique add-on deposits, and a one-time rate bump, they're worth a look for flexible savings.
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6-Month CD APY: 5.34%
12-Month CD APY: 5.00%
Minimum Deposit: $500
Availability: Nationwide (Bank is based in Florida)
Western Vista Federal Credit Union offers a 4.50% APY on a 54-month CD with a $500 minimum. Nationwide membership. Weigh the pros and cons before locking in your cash.
Dover Federal Credit Union offers a standout 5.39% APY on a 24-month Flex Share Certificate, available nationwide. You just need to join a $15 conservation group to become a member.
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Top Offer: 5.39% APY on a 24-Month Flex Share Certificate
Minimum Deposit: $500
Membership Requirement: Open to anyone nationwide by joining the Friends of Bombay Hook (a $15 individual membership)
Early Withdrawal Penalty (for this 24-month term): 90 days of dividends
SoFi Checking & Savings now integrates Zelle for fast, free transfers. The feature is rolling out gradually, prioritizing existing Zelle users and direct deposit customers.
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Feature: Zelle integration within SoFi app
Availability: Rolling out to members over weeks starting May 2024
Prioritized Users: Existing Zelle standalone app users via SoFi, then members with direct deposit
Transfer Speed: Money typically received within minutes*
Join CLEAR Plus for $189 and get a $100 travel voucher rebate. Use promo code TRAVELREWARD100. Offer for new members only; voucher arrives after June 30, 2024.
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Offer: Get a $100 travel voucher when you purchase a one-year CLEAR Plus membership.
Membership Cost: $189 for one year of CLEAR Plus.
Promo Code: TRAVELREWARD100
Voucher Delivery: Rebate code delivered via email after the promotion period ends (after June 30, 2024).
Transfer your Amex Membership Rewards points to Avianca LifeMiles by June 30th and get a 15% bonus. A solid opportunity to stretch your points for Star Alliance flights, but act fast and know the rules.
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Offer: 15% bonus miles when transferring Amex Membership Rewards to Avianca LifeMiles
Transfer Window: June 3, 2024 (12:00 am GMT-5) to June 30, 2024 (11:59 pm GMT-4)
Minimum Transfer: 1,000 Amex points
Bonus Timing: Bonus miles post within 24 hours of transfer request
Earn a massive 6.75% APY on up to $7,500 with Genisys Credit Union's Genius High Yield Checking. No monthly fees, nationwide access, and just 10 debit card swipes per month. Open to anyone via a partner membership.
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APY: 6.75% on balances up to $7,500; 0.05% on balances above $7,500
Open a new Varo Bank account via MyPoints, deposit and spend $25, and get 5,000 points. A solid, low-effort bonus for trying a digital bank.
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Reward: 5,000 MyPoints
Required Action: Open a new Varo Bank account via the MyPoints link, link an external bank, deposit at least $25, and spend $25 with the Varo debit card within 30 days.
Key Requirement: Must use the exact same email address for both your MyPoints and new Varo accounts.
Eligibility: Only for brand new Varo Bank customers. If you've ever downloaded the Varo app before, you won't qualify.
Open a new Ally Bank Spending Account via MyPoints, get a qualifying direct deposit, and earn 22,000 bonus points. A solid combo of a useful account and extra rewards.
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Bonus Amount: 22,000 MyPoints points
Required Action: Open a new Ally Bank Spending Account and receive one qualifying direct deposit
Key Deadline: Direct deposit must be received within 60 days of account approval
Credit Timeline: Points are manually credited within 45 days after the direct deposit is verified
The Department of Commerce FCU offers CDs with a low $500 minimum. Rates are competitive, and anyone nationwide can join via the American Consumer Council. Watch for early withdrawal penalties.
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Minimum Deposit: $500
Best Rate (as of review): 4.87% APY for 6-11 month term
Membership Requirement: Join the American Consumer Council (nationwide) or meet other eligibility criteria
Insurance: NCUA insured up to $250,000 per depositor
DollarSavingsDirect offers a standout 5.00% APY on a 3-year CD with a $1,000 minimum. A solid option to lock in high yields, but know the details before you commit.
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Issuer: DollarSavingsDirect (a division of Emigrant Bank)