Frequently Asked Questions

It is a cash reward a bank pays you for opening a new checking or savings account and meeting a few simple requirements - usually a qualifying direct deposit of a certain size within a set window. Money for Nothin hand-picks the best current offers, vets the terms, and keeps them updated so you are not hunting for the fine print yourself.

It is a four-step recipe. Pick an offer whose requirement you can actually meet, open the exact account named in the offer, set up the qualifying direct deposit (or balance) and leave it alone for the required holding period, then collect the bonus once it posts. After the holding period ends you are free to move the money and line up the next one. That is the stack.

The bonus is tied to that specific product, not just any account at the bank. If you open a different checking or savings account, even at the same bank, the promotion usually will not apply. Always use the linked offer page so the promo is attached to your application.

Most checking and savings bonuses use a soft pull or no credit pull at all - they are deposit accounts, not credit cards. The individual offer page will tell you if a hard pull applies so there are no surprises.

Yes. Banks report account bonuses as interest income on a 1099-INT, so set a little aside for taxes. It is still free money, just not tax-free money.

Meet the offer terms exactly and watch the deadline. Set up the qualifying direct deposit at the required size inside the offer window, then leave the funds in place for the full holding period. Missing the deadline by even a day can forfeit the bonus, so note it the moment you open the account.

It varies by bank, but the cash typically posts a few weeks after you have met all the requirements. Once it lands and the holding period is over, the money is yours to move on to the next offer.

Browsing the offers and using the site is free to you. We may earn a referral commission from some banks when you open an account through our links. That never changes the terms you get, and we still only list offers we think are genuinely worth your time.

No. Bank bonuses change often - amounts, deadlines, and qualifying requirements can move or be pulled without notice. Always confirm the current terms on the bank's own site before you apply. Nothing here is financial advice.

Use the contact page, email getmoney@moneyfornoth.in, or call 833-319-3160. We are happy to point you toward an offer that fits or help if something about a promotion is unclear.