Welcome to my referral links page. Most of my offers are for those in the United States. I hold accounts at all of these institutions and have had decent luck with them (YMMV). This page is not intended to serve as any form of financial advice and I’m not a financial advisor. Do your own research before opening any of these accounts. Thanks for using my links – Pete – AKA “Peek” on DOC – If you need to reach you can email me at super bank offer (remove spaces) at Gmail.

Currently Active Bonuses as of 11/04/2025

Current Fintech – $175 Referral Bonus (up from $100) for $200 in Direct Deposit (higher referral until 11/18)

A decent and quick bonus. Appears to need a real DD now where in the past just a push would work. Wise may still work.

1.  Open new Current account using my link: https://current.com/get-started/?creator_code=UJDTEP372&impression_id=0670cf7a-d5fc-4e07-abb9-fc3de2464927
2.  Make sure my code: UJDTEP372 applies (should auto fill).
3.  Make a direct deposit at least $200 within 45 days.  It seems previous method of pushing from Cap One may no longer work. I had to do a real direct deposit.  Wise may still work.
4. Get $175 Bonus.  Mine posted the day after my real DD hit.  

OKX – $200 Referral Plus up to $300 Match Bonus for buying USDG

The $200 bonus just requires buying $200 in USDG, to get the other (up to $300) you have to opt into that offer and deposit and buy at least $500 USDG ($3000 to max it out). You can do just the referral or you can do both offers. There also is an AVNT bonus you can do as well. USDG earns 4.1% interest. This is a crypto exchange so there is no FDIC insurance.

1.  First signup using my referral link: https://app.okx.com/en-us/join/60308881
2.  Download the OKX app.
   • In the app go to My Rewards, tap Join to activate these two offers:
   • “10% USDG Match”
   • “AVNT Deposit Invite & Earn” (if available)
3. Connect a bank via ACH and deposit and buy USDG in the amount you would like. You can just buy $200 in USDB to satisfy the referral bonus or you can buy between $500 to $3000 USDG to get additional bonus as shown below:
   – $500 USDG to $999 USDG → $50 USDG
   – $1,000 USDG to $1499 USDG→ $100 USDG
   – $1,500 USDG to $1999 USDG→ $150 USDG
   – $2,000 USDG to $2499 USDG→ $200 USDG
   – $2,500 USDG to $2999 USDG→ $250 USDG
   – $3,000 USDG and above→ $300 USDG
4. You also get $50 AVNT (worth about $25) if that bonus showed up for you for depositing $300.
5. The different bonuses overlap. So if you deposit and buy $3000 in USDG you satisfy both the referral and match bonus. If you choose to do just the $200 you get just the $200 referral bonus. You also can do lower tiers of the match as shown in step 3. For example if you bought $1000 in USDG you would get $200 referral plus $100 match.
6. Hold Periods:
   – 30 days for the $200 referral (the deposit used for the $300 match can double-qualify for this, but then the 90-day hold applies)
   – 90 days for the $300 match
   – 7 days for 50 AVNT (~$25 value)

Middlesex Bank – $200 Referral Plus $250 Bank Offer – MA Only

A nice bonus when you add the two offers together.

1.  First register with the information you will use to open your account with Referlive using my referral link: https://io.referlive.com/RSFqoN – This is for a $200 Gift Card.
2.  Open your account (use the same info as in the step above), don’t forget the CHK250 code: https://www.middlesexbank.com/freedom-blue-checking-offer – This is for $250 from the bank.
3.  Make at least 8 debit transactions once you get your debit card. When I called to have the code applied (missed in on my app) the CSR said the debits had to total at least $100 dollars.
4. I’m not sure how long the payout takes on this one but read the terms yourself for details.

Chase Ink Business Cards, up to $2000 in bonuses

Reserve has a 200,000 point bonus worth about $2000 with 30k spend and $795 annual fee, the $1000 bonus for Premier which requires 10k in spend and has a yearly fee of $195. Unlimited and Cash cards pay $900 (up from $750) and have no yearly fee and requires 6k spend. Preferred has a $95 fee and pays 90k in points.

1. Open account with my link: https://www.referyourchasecard.com/21w/0A2W3OPM8C
2. Signup for the offer of your choice.
3. Make required spend and earn the bonus!

Kraken Crypto Offer – Trade $200 – Referral $75 + Cap One Shopping $220 – Cap One Shopping part of this may be dead – couldn’t get it to work for my P2

This offer is a bit tricky.  Follow the steps below to complete.  Requires Capital One Shopping and some patience.  

1. Start in Capital One Shopping, you’ll need to install the app or use the web browser extension.
   If you don’t have a Capital One Shopping account you can use my link to sign up and get $40:
   https://capitaloneshopping.com/r/e3291e19-a0bf-43b1-99f4-3698150b559a
2.  Once you have the app or extension installed go to the Kraken website: https://www.kraken.com/ and see what offer pops up for Cap One Shopping, if you see the $220 offer right away (unlikely), move on to step 3 (screenshot the screen if you see it right away so you have proof). If not, you’ll want to wait 2-3 days and see if you get a $220 offer e-mailed to you. I did this process twice before I saw the $220 offer show up after 3 days.
3. Once you are emailed the $220 offer open it on on your phone with Capital One Shopping installed.  When I did this,  something like “Activating Your Offer” popped up and then brought me to Kraken app download page.  Once there, download the app.
4. Run through the app sign-up, enter my referral code 795rpkz9 and apply it.  It’s right near the start of the application.
5. Once approved, transfer in a bit over $200 (I did $206) via ACH (need to cover spread fee) and trade a crypto of your choice for at least $200 (cannot be stable coin). I did BTC.  You can also do the Kraken+ offer trial if you want to avoid some of the fees.   If you do the trial make sure you cancel the trial before it bills in 30 days.
6. Referral should track immediately, the Cap One Shopping payout should take about 30 days, it should track after 3 days.  If it doesn’t pay in 30 days, contact Cap One shopping and provide the $220 offer email you were sent or screenshot you took.
7. There’s a daily spin feature in the app you can do for 30 days after you do your first trade.  So far I’ve gotten about .75 cents worth of SOL.

Up to $700 Bonus from TBK Bank when you open AIM Checking – Requires $12,000 in direct deposit – Expired – Offer back to $225

No credit card funding, but a really good offer. The open process is pretty manual, you submit but then will be called, asked for docs, then called again to open over the phone. The direct deposit requirement is high (12k) other parts of the bonus are easier. There’s a referral which I believe will stack. I’m assuming a real DD may be required, seems like small bank. I got in out of state (MA) but this is supposed to be for CO, IA, IL, KS & TX. Some are getting approved, others denied. If you are near a branch you can open there as well.

1.  Referral bonus for $50, register using the same info you will use with your account: https://io.referlive.com/yWgrke
2. Open your AIM checking account here: https://www.tbkbank.com/personal/personal-checking/aim-checking/ (you’ll need to open checking first, then savings AFTER your AIM checking is opened if you want to do the savings bonus – I have not tried to open savings yet).
3. Requirements:
   • Earn $500 Direct Deposit Bonus with at least 3 direct deposits totaling a minimum of $12,000 credit to this account within the qualifying bonus period.
   • Earn $50 Auto Transfer Bonus when you complete at least 3 recurring automatic transfers from this account to a TBK Bank savings or money market account within the qualifying bonus period.
   • Earn a $75 Bill Pay bonus when 9 Bill Pay transactions to service providers clear/debit this account within the qualifying bonus period.
   • Earn $75 Point-Of-Sale bonus when 50 one time or recurring Point-of-Sale (POS) transactions clear/debit this account within the qualifying bonus period.
   • There is also an “at work” bonus but few will qualify.

$150 (up from $100) Bonus from OnPath Credit Union – $1000 in CC Funding – Requires 15 Debits / Direct Deposit

This bonus is for $100 Gift card, up to $1000 in CC funding.

1.  Register your information here (the same info you will use to open the account)
    https://io.referlive.com/n6rtLN
2. Open your account using the following link: https://www.beonpath.org/spend-save/checking-accounts/personal
3. They will usually call you to confirm the CC funding.
4. Set up direct deposit of at least $250 or more to the new account.
5. Once your debit card arrives make 15 debit transactions of at least $10 each.
   I just paid my phone bill 15 times.
6. Allow 4-6 weeks for delivery of your Reward Card after completing all offer requirements.

Berkshire Bank – $100 Referral – MA, CT, VT, NY, RI

You get $100 for using a referral Referral offer ends 12/31/25

There was a public offer but that has ended, $100 referral offer still valid.

1. Open the account through my link: https://open.berkshirebank.com/consumer/welcome?referral_code=tgv246
2. Setup direct deposit of at least $500 total each month, can be in multiple deposits. Keep this up for 3 consecutive months.
3. The calendar month following the third qualifying direct deposit, Berkshire Bank will credit $100 into the customer’s Berkshire One Checking account set up using Direct Deposit. The client will see the credit reflected in their statement with the description “Direct Deposit 1H2025 Credit.” Direct Deposit credits may be reportable to the IRS on Form 1099-MISC.

Open M&T Account – Get $350 DD Bonus plus $50 Referral – MA, CT, DC, DE, MD, ME, NH, NJ, NY, PA, VA, VT, WV

Get $50 Referral bonus from using my link plus $350 for M&T public offer with $1000 in direct deposit within 90 days. MUST USE PROMO CODE – TB.

Notes: Bonus is for MyChoice Premium checking which has a $24.95 fee. However, this bonus usually pays quickly and you can downgrade the account to EZ Choice Checking after it pays out.

1. First, register with your email and other info here (referral for $50):
   https://io.referlive.com/WHUr7b
2. Once enrolled open MyChoice Premium Checking using the public
   offer: https://campaigns.mtb.com/premium-checking– MUST USE PROMO CODE – TB. The
   promo code should auto fill at the bottom of the first page of the app.
3. Make direct deposits totaling $1000 within 90 days. I just transferred $1001 from Capital One and it counted for me, YMMV.
4. Bonus will be paid out within 90 days of meeting requirements. Mine paid out the next day after my transfer hit.
5. Once the bonus posts sent a secure message requesting to downgrade the account to EZ Choice Checking to avoid future fees. You must keep the account open for 6 months or there’s an early term fee of $50.

$200 Bonus plus $50 Referral Offer From Christian Community Credit Union – $500 Credit Card Funding – Expires 11/30/25 – Extended

$200 dollar total bonus with checking funding and a deposit of $5000 into the savings which pays a good rate. It also states in the terms you should be funding at least $500 a month into checking (this is buried in the terms however).

Notes: No fees noted. Steps to apply below. This one used to be harder to get approved for and some people have still been asked for proof of religious affiliation, I was not.

1. Open my referral link here and enter your information (make sure it matches what you will open your account with): https://share.mycccu.com/scavengeandsell
2. Open this link: https://www.mycccu.com/bee-b/ . You will need to add the Harvest High-Yield checking account and a Harvest High-Yield Savings account. The way the app works it’s a little wonky, you add one, then there’s navigation back, and add the other. If you want the full $200 add them both (savings offer requires $5000 deposit).
3. If you aren’t in footprint you can join CAFO and still qualify, you don’t seem to be charged for the membership.
4. You’ll be sent a link after approval that will give you your member number, make sure and save it.
5. Setup online banking, you’ll need the member number as mentioned.
6. Turn on e-statements, it’s like a separate enrollment with a different password. Required for the bonus.
7. No hard pull on credit but does hit Chex. I got approved with quite high Chex numbers.

$75 Crypto Bonus from Gemini

Gemini is a crypto platform available in all 50 states in the USA and 60 other countries.  With this offer you can earn $50 in USD, not sure what the payout is in other countries.

Notes: No fees to have an account, no Chex because it’s not a bank account. Some people say they have trouble getting through KYC process.

1. Open an acct using my link: https://www.gemini.com/share/xq44lm92x
2. Deposit and trade at least $100 and earn $50 dollars.
3. Referral Paid 30 days after sign-up to confirm legitimate participation. Additional rewards can be earned depending on how much you trade.  See full terms for more info: https://www.gemini.com/legal/gemini-referral-rewards-program-terms

Rakuten $50 Bonus for $50 Spend – Referral Bonus

Referral offer went up to $50 recently.

1. Just create your new Rakuten account and purchase $50 worth of items through the site within 90 days and you’ll get a $50 bonus. It does take a while to payout, up to 90 days when I reviewed the terms. Open your account using this account opening link.

Chase Sapphire Reserve – Up to 125,000 Point plus $500 Travel Credit Offer – $99 Annual Fee

Reserve requires $5000 in purchases and earns 125k points plus $500 travel credit, but has a $795 annual fee.

1. Open account with my link: https://www.referyourchasecard.com/19t/05SI5D4FTD
2. Signup for the offer of your choice.
3. Make required spend and earn the bonus!

Get Free fractional stock when signing up for Robinhood (USA)

Approximately 99% of participants will receive a cash value of $5, approximately 0.9% of participants will receive a cash value of $10, and approximately 0.1% of participants will receive a cash value of $200.

1. Open new Robinhood acct using my link: https://join.robinhood.com/peterb477
2. Link account to bank account or debit card.
3. You are guaranteed stock when you successfully sign up and link your bank account.

Ally $100 Savings / Spending account Bonus:

The savings bonus seems easiest to me so those are the steps provided. There are other options in the offer as well if you read the terms. This is a decent bonus for limited effort and a good account to have anyway.

1. Navigate to my link
2. Enroll with your name and email address (same email and name you will later use to open your account) by 12/31/25.
3. Open a new Ally Bank Savings Account within 30 days of enrollment.
4. Set up (within your new account) and start a qualifying monthly automated recurring transfer within 30 days of account opening
5. Complete at least 3 back-to-back monthly automated recurring transfers.
6. Your $100 welcome bonus will be deposited within 30 days of receiving your 3rd recurring transfer.

Capital One Quicksilver

Capital One Quicksilver has features like: No Foreign Transaction Fees, Extended Warranty, Capital One Shopping, Complimentary Concierge Service and Capital One Travel.

1. Open account with my link:  https://capital.one/3KTkh6o
2. Spend $500 within 3 months.
3. Get a $200 bonus.  

Webull – Free Stocks when you Join and Fund

Webull is always running a referral promotion. 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:
https://a.webull.com/ngmOSEa59jPxZ4Dtsl

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: https://cash.app/app/KZDMFVD . 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.

Swagbucks – Shopping Portal – Great Offers, Cash Back

My favorite shopping portal is swag bucks. 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, software, 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 swag bucks.

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 Swagbucks.com/Shop. You must receive a minimum of 25 SB for this purchase, which you must complete within 30 days of registration. MyGiftCardsPlus.com and travel purchases do not qualify.

My referral link: https://www.swagbucks.com/lp-savings-button?cmp=695&cxid=swagbuttonref&rb=44549940&extRefCmp=1&extRb=44549940