Chase Checking Account Bonus: - Get a $200 bonus by opening a new Chase Checking account. - Set up Direct Deposit within 90 days. - It is recommended to do an ACH for $500 or above to avoid any issues. - The monthly fee will be waived if the requirements are met. - Keep the account open for at least 6 months after receiving the bonus. - The cooldown period is 24 months, so it's important to maintain the relationship with Chase. Breakdown: - You will earn $200 from the bonus. - Additionally, you can receive $50 for every person you refer, up to $500 per year (10 people). - If you maximize this opportunity alone, you will recoup the course money if you paid $500. - By referring 10 people, you help them earn $200 each. To confirm a direct deposit: - Look for "DDA to DDA PPD ID – ACH Credit" on your account statement. Waiving the monthly fee: - Deposit $500 or more electronically. - Maintain a daily balance of $1,500 for the month. - Maintain an average daily balance of $5,000 or more in this checking account or any other Chase accounts you have. Chase Savings Account Bonus: - It may not be worth it for us. - If you can complete both the checking and savings account bonuses, there is an additional bonus of a few hundred dollars. Please note that all the information provided is based on the available details and may be subject to change.

Bank Account Bonus Churning, also known as "Bank Churning," is a side hustle where individuals can make easy money by taking advantage of bank bonuses. Banks and credit unions offer cash incentives to encourage new customers to open accounts with them. To earn the bonus, individuals need to sign up through a bank bonus offer and complete qualifying activities. Banks offer these bonuses as part of their marketing strategy to attract new customers. They hope that customers will not only claim the bonus but also become loyal customers and use their other products. This strategy works because most people tend to stick with 1 or 2 banks for many years, allowing banks to profit from their deposits. Bank bonuses have become more lucrative due to increased competition. Fintech companies have more money to spend on customers, and big banks have to compete with them. This presents an opportunity for individuals to make a good amount of free money by taking advantage of these bonuses year-round. To earn bank bonuses, individuals need to fulfill certain requirements such as setting up direct deposits, maintaining a daily balance, or completing specific actions like making a certain number of debit card transactions. Direct deposits can be fulfilled through various methods, including transfers from brokerage accounts, gig apps, or using services like Stripe Payroll. It's important to study data points and verify which methods qualify as direct deposits at specific banks. Finding bank bonuses can be done through public offers, referral-only offers, or targeted offers. Websites like EveryBankBonus.com, DoctorOfCredit, bankcheckingsavings.com, and others specialize in listing and providing information on bank bonuses. Bank bonuses are especially beneficial for individuals who are already planning to open multiple bank accounts. It allows them to profit from each bonus and also help others in the community hit their bonuses. It's recommended to make a plan, consider funding limits, and study the fine print of each bonus offer.

CHASE: - As of Feb 2023, Chase allows soft pull credit limit increases (CLI) on both personal and business cards. - CLI opportunities are available in-app and over the phone. NAVY FEDERAL: - Navy Federal allows up to $9K per CLI request, and you can request one every 91 days. - Soft pull CLI is only available via in-app request for personal cards. - If you call for personal cards, you will get a hard pull. However, there have been cases where two cards were approved for an $8K CLI in a single day from a client. AMEX: - All CLI attempts with Amex should be soft pulls unless otherwise prompted. - The Amex 3X rule is popular, where you can ask for up to 3 times your current limit and possibly receive an instant approval. - To maximize CLI chances, spend on the card for 91 days, then pay it off and ask for CLI. - Mark your calendar for 181 days after the date of the first CLI and ask for a second increase on that date. Wells Fargo: - Wells Fargo allows soft pull CLI on the personal side. - BILT also allows soft pull CLI every 91 days. APPLE CARD: - When you first get the Apple Card, do 20 small transactions within the first week to potentially trigger an auto CLI. - The CLI timeframe for Apple Card used to be 91 days, but there are mixed reports saying it may have changed to 181 days. - CLI requests are still soft pulls. - Some users have reported going from $6.5K to $15K to $25K CLI using this strategy. - This strategy may work for GM cards as well. CAPITAL ONE: - Capital One is conservative with CLI requests. - They allow soft pull CLI, but require 180 days in between requests to avoid being considered "too frequent." DISCOVER: - Discover allows soft pull CLI, even as frequent as every 31 days. - It is recommended to wait for at least 91 days between CLI requests to avoid potential financial review. Bank of America: - Bank of America allows soft pull CLI on the personal side. CITIBANK: - Citibank allows both soft and hard pull CLI. - It is best to request CLI in-app and ensure there is no language about requiring a hard pull.

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