Earn $25 using my referral code, and $25 for every referral you make. To qualify for the $25 referral bonus there are 3 requirements: 1) Apply for an account using my Referral Code during the signup process. 2) Once you are approved (does not require any credit checks, just ID verification), sign in to the app and request your free metal “Unicorn” card. (seriously solid metal, awesome laser etched design) 3) Set-up recurring ACH deposits, typically payroll or government benefit disbursements ($400 minimum). Recurring is defined as at least two deposits of $400 or more from the same sender, at least one week apart and within 90 days of each other. This is inclusive of a typical pay schedule for payroll or government benefits. Cred.ai is a sleek new FDIC insured checking account that comes with a free metal “Unicorn” card (Easily the coolest free card available). The app includes the full suite of modern banking features like 2-day early paycheck deposits, no fees (min. balance, service, foreign txn, overdraft, etc.), a very intuitive UI, mobile check deposit, instant debit card funding, and free ATMs inside many locations including Walgreens and Circle-K. Unlike most banking apps this one works like a secured credit card to help improve your credit when using your card to make everyday purchases. I was surprised that this feature is always active while the day to day experience is like using a debit card. It is one of the features that can be used within Chime, but unlike Chime, it is not a separate account within the app that requires you to transfer money to and from it. My first impressions are very good having signed up recently and the referral potential is outstanding. Update: After 1 month/ two pay periods, I have already had an increase in my credit score by using the app and “Unicard” like any account with a debit card. I have also been using the “Stealth Card” feature to generate single/ multiple use card numbers for purchases in which I prefer the vendor not have my main card information. While you can only have one stealth card active, you can generate new card numbers anytime. I have found it useful to use the stealth card anytime I sign-up for a subscription or service that requires cancellation to avoid renewal charges. By regenerating the stealth card after signing up, I don’t have to set a reminder to cancel the subscription by a certain day and then it’s off of my mind. I tend to frequently switch my payroll to new accounts as I am consistently trying out new banking apps to gain first hand experience that I can share, but this will definitely be my default option for the foreseeable future. It really is the next level of banking and the first app I’ve used that makes the union between a modern checking account and a secured credit card with a beautiful UI and physical card. Sign up via the website or search in the app store Use this code RSKTGG during sign up after you enter your email address in the field named “Special Code”. Thank you for your support

Use my referral link to sign up for and we both get $25 USD :)

Hey! We'll both earn $50 when you join Current and receive a qualifying Direct Deposit. Terms apply. Just use my link or code when signing up. Code: PAAGPZ836

For a limited time, Dave is giving new qualified members $15 to take their first advance up to $500 to spend on anything you choose. Open a Dave Spending account to claim your reward. Dave is a fresh to market banking app that combines the standard issue free service checking/savings account, but has a major focus on cash advances that is similar in maximum advance amount to Earnin’ ($500) but includes a full-featured, fee-free banking service in a very user friendly interface. My experience thus far has been great in terms of an ad-free UI, quick and easy sign up process, and free debit card (requires $25 deposit to ship). Virtual card is available immediately. Like Earnin’, Dave will analyze a connected bank account or the built in one, to determine cash advance max and eligibility. The nice thing is that there is far less surveillance than compared to Earnin’ without the need for constant location tracking, workplace email, or timesheet verification. I love Earnin’ but I don’t think I’ll continue to use it, unless it’s in addition to Dave, simply because I would prefer not to share so much info. I haven’t had an advance yet because I need to have a couple of payroll deposits first, but I’ll update when I do and will report back regarding fees, etc. So far, I am very pleased with Dave. Update: I received my first payroll deposit without issue, 2 days early. I have tested spending with often restricted crypto CEX's and can verify that it worked and is also Apple Pay compatible. My physical card arrived quickly and I'm just waiting on the cash advance eligibility to report on potential fees and speed at which cash advance occurs once requested. If you're planning to connect Dave to another checking account, cash advance eligibility could happen immediately assuming you have recurring ach deposits that can be verified.