Insider+ VIP · Free Money Desk
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Banks, brokerages and apps will literally pay you to become a customer — $5, $50, $400 a signup. This desk tracks every live offer with the exact steps to qualify and the catches nobody advertises. Work the list top to bottom: a focused weekend can clear $400+ in real bonuses.
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Straight talk — not financial advice.
Every offer below was verified on September 24, 2026. Bonuses change, expire, and come with requirements: direct deposits, minimum balances, trial windows that convert to paid plans. Always check the official terms before you sign up. Nothing here is a recommendation to open any account — it's a map of what's paying, so you can decide for yourself.
How this desk stays free for members: some buttons below will become partner links once our program applications are approved. That never changes what you pay or the bonus you receive — the company just pays us a commission for the introduction. Until a link is approved, it goes to the official offer or a verified write-up, plainly labeled.
The signup-bonus playbook
Ten programs where the new customer gets cash, stock, or a free trial. Each card shows what you get, what it takes, and the catch — in that order.
$50–$400 cash bonus
SoFi Checking & Savings
- You get
- $50 with $1,000–$4,999.99 in qualifying direct deposits, or $400 with $5,000+, inside the first 25–30 days — plus a 0.90% savings APY boost for up to 6 months.
- To qualify
- Open the account, route direct deposit from an employer or other qualifying source, and hit your tier inside the window.
- The catch
- Your bonus tier is driven entirely by your direct-deposit total — no deposit, no bonus. Reported valid through Dec 31, 2026; confirm on SoFi's site before you move money.
Verify current terms
14 days free trial
Aura identity protection
- You get
- A 14-day free trial of any Aura plan — identity theft protection, VPN, antivirus and credit monitoring in one.
- To qualify
- Sign up on the official trial page and pick a plan; the trial starts immediately.
- The catch
- The trial converts to a paid plan automatically. Set a calendar reminder for day 13 if you don't want to keep it.
Official trial page
$1 7-day trial
IdentityIQ credit & identity monitoring
- You get
- Seven days of Identity Essentials ($29.99/mo value) or Credit Essentials ($34.99/mo value) for $1.
- To qualify
- Sign up for the trial on IdentityIQ's site — card required, $1 charged.
- The catch
- Day 8 bills the full monthly rate. This is a cheap test-drive, not free money — cancel inside the week if it's not for you.
Program details
30 days free trial
Greenlight kids' debit
- You get
- A 30-day free trial of Greenlight's debit card + financial-literacy app for kids and teens.
- To qualify
- Sign up for the trial; add your kid as a user.
- The catch
- Converts to a paid plan after 30 days. Note: the $10 cash bonus you may see advertised lives on personal referral links and doesn't apply here.
Verify current terms
$5 sign-on bonus
Swagbucks
- You get
- $5 just for registering and verifying your email, then cash for surveys, discovery offers and shopping.
- To qualify
- Register, confirm the verification email — the $5 posts to your account.
- The catch
- Survey payouts are small and slow. Honest math: this is real money at a low hourly rate — best for downtime, not a job replacement.
Program details
$5 signup bonus
InboxDollars
- You get
- $5 signup bonus, then cash for surveys, videos and everyday tasks.
- To qualify
- Register and confirm your email.
- The catch
- First cash-out threshold is $15 (sometimes $30) — the $5 alone doesn't leave the platform until you earn the rest. Same honest math as Swagbucks: slow, real money.
2026 review & terms
Cashback gas + groceries
Upside
- You get
- Real cash back on gas, groceries and dining — paid out to PayPal, bank or gift cards — plus a new-user welcome bonus.
- To qualify
- Install the app, claim an offer before you buy, pay as usual, check in or upload the receipt.
- The catch
- The exact current welcome-bonus value wasn't verifiable on their affiliate page as of Sept 2026 — check the app's offer screen before counting on a number.
Program details
Cashback groceries
Ibotta
- You get
- Cash back on grocery and retail purchases, withdrawable to PayPal, Venmo or gift cards — plus a new-user welcome bonus.
- To qualify
- Register, activate offers before shopping, submit the receipt through the app.
- The catch
- Exact welcome-bonus value through new-user flows wasn't verifiable as of Sept 2026 — verify in-app. And never use a referral code alongside other tracking; that's a ban risk on their end.
Program details
Free credit monitoring
Credit Sesame
- You get
- A genuinely free credit-monitoring account — score, report refreshes and alerts, no card required.
- To qualify
- Register a free account.
- The catch
- No cash here — the value is the free monitoring (which you'd otherwise pay for). Program terms are third-party reported and we're re-verifying them.
Program details
Trial re-verifying
Norton LifeLock
- You get
- Identity-theft protection with (historically) a trial or introductory discount for new customers.
- To qualify
- Check the current offer on Norton's site — we're re-verifying the live trial terms as of Sept 2026.
- The catch
- We won't quote a trial we can't confirm. This card stays flagged until the current offer is verified — check before paying anything.
Program details
Start here: your first weekend
- Bank bonus first — it's the big one. If you can route direct deposit, SoFi's $50–$400 is the highest verified payout on this page for the least effort. Set the deposit up on day one so the clock starts.
- Grab the two instant $5s. Swagbucks and InboxDollars pay $5 each for registering and verifying your email — ten minutes total, $10 banked toward their cash-out thresholds.
- Install the cashback pair. Upside (gas, groceries, dining) and Ibotta (groceries) turn spending you're already doing into PayPal payouts. Claim offers before you buy — that's the step everyone forgets.
- Trial the protection stack cheap. Aura's 14-day trial and IdentityIQ's $1 week let you test-drive identity monitoring for almost nothing. Calendar reminders on day 13 and day 6 — trials that convert silently are how "free" gets expensive.
Bonus tracker
Every live offer on one board. Updated monthly — bank bonuses change constantly, and expired offers get pruned.
| Offer | Bonus | What it takes | Ends | Status |
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This week's first alerts
The highest-value sweepstakes on our radar — VIP members see them before they hit the public Win & Earn board.
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