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Do you receive direct deposit payments from Social Security? If you do — and you aren't using one of these accounts — you could be missing out on $100s or even $1,000s of basically free money every year.
Some of the accounts below offer various methods of growing your wealth if you receive Social Security via direct deposit, and some of them even offer large cash bonuses and other benefits — like up to $400 cash bonuses and APYs up to 5.00% or higher!
Check out the options below and stop missing out on basically free money!
Set up direct deposit - pocket up to $500
If you aren't banking with Bank of America, you could be missing out on a huge boost of extra cash just by following a few simple steps.
Earn a bonus of up to $500 when you open a Bank of America Advantage Banking account through this page by September 30, 2026, and set up and receive Qualifying Direct Deposits into your new account within 90 days of account opening. Your bonus amount will be based on the total amount of your qualifying direct deposits received in the first 90 days.
This is practically passive income and a great way to supercharge your earnings. It basically takes no extra work at all other than following the steps above.
Take this quiz and see if you can retire early
Do you know if you can retire early? One of the best ways to find out is by speaking with a financial advisor. You could potentially retire years earlier with the right moves and a little work.
Our advice:Take this quiz from Advisor.com. In just a few short questions, it can match you with a vetted financial advisor in your area. Once you get matched, you get a free consultation with your advisor to discuss your situation and future goals.
Join investors across the country who have found a vetted fiduciary advisor with Advisor.com.
Turn your savings into passive income
Public is a powerful investing app that lets you earn 5.30% yield1 <p>Yield is an annualized 26-week T-bill rate (as of 2/16/24) when held to maturity. Rate is gross of fees. T-bills are purchased in increments of $100 par value at a discount; any remaining balance after purchase is held in cash.</p> on your cash with treasury bill investments, which can help you avoid the volatility of the stock market.
Treasury Bills power your money by unlocking rates most banks can’t provide … offering you a rare 5.30% yield on your cash.
To get started, download the app and create your account.
When you deposit your money into a Public account, you’ll get access to purchasing U.S. government debt obligations that are backed by the Treasury Department, which historically have low risk and stable returns. There are no state or local taxes to pay, and you can sell your Treasury Bills at any time. There is no minimum to open your account, and you can purchase Treasury bills in increments of $100.
Public offers a user-friendly and accessible platform that makes it easy to start investing in Treasury Bills, which can help you earn more on your cash and reach your financial goals.
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- Incredible 3.64% APY2 <p>APY means Annual Percentage Yield. APY is accurate as of as of 09/01/26. This is a variable rate account, Interest rate and APY may change after initial deposit. Minimum initial deposit to open account and earn interest is $1.00.</p> to boost your savings
- Interest is compounded daily and posted to your account monthly
- Enjoy 24/7 online access to your account and funds
- FDIC insured, no fees, $1 minimum deposit
- Limited-Time Offer: Use code STACK to earn a cash bonus based on your savings balance. Earn up to $50 for $10,000, $125 for $25,000, $250 for $50,000, $500 for $100,000, or $1,000 for $200,000 or more. Visit site for full details.3 <p>New customers only. Earn a cash bonus (the "Welcome Bonus") when you deposit and maintain funds with partner banks on the Raisin platform. Customers will receive a Welcome Bonus of $40 for depositing between $10,000 and $24,999; $100 for depositing between $25,000 and $49,999; $200 for depositing between $50,000 and $99,999; $425 for depositing between $100,000 and $199,999; and $900 for depositing $200,000 or more. If the Qualifying Deposit balance declines at any time during the maintenance period below the minimum required for a bonus tier, the customer will be placed in the bonus tier corresponding to the lowest Qualifying Deposit balance maintained during that period. </p><p>Savings + CD Boost: Customers eligible for the Welcome Bonus may earn an additional bonus by opening a product in a second product category. To qualify, customers must deposit at least $1,000 into the secondary product category within 14 days of their initial deposit and maintain balances over $1,000 in both categories through 90 days from the initial deposit date.</p><p>For the purposes of this promotion, High-Yield Certificates of Deposit constitute one product category; No-Penalty CDs and Callable CDs constitute a second product category; and Savings Accounts (including Money Market Deposit Accounts, High-Yield Savings Accounts, and Rate Lock Savings Accounts) constitute a third product category. Savings + CD Boost eligibility is determined by your Welcome Bonus tier: customers depositing between $10,000–$24,999 receive an additional $10; $25,000–$49,999 receive an additional $25; $50,000–$99,999 receive an additional $50; $100,000–$199,999 receive an additional $75; and $200,000 or more receive an additional $100. </p><p>The Savings + CD Boost is optional and paid in addition to the Welcome Bonus. To qualify for the Welcome Bonus and Savings + CD Boost, your first deposit must be initiated between September 1, 2026, and September 30, 2026, by 11:59 PM ET, and the promo code STACK must be entered at the time of sign-up. Only funds deposited within 14 days of the initial deposit date and maintained with partner banks on the Raisin platform for 90 days of the initial deposit date will be eligible for the Welcome Bonus and Savings + CD Boost. Bonus cash will be credited directly to your Cash Account within 30 days of meeting all qualifying terms. This offer is available to new customers only, is non-transferable, and may not be combined with any other bonus offers. Raisin may modify or end this offer at any time and may withhold or revoke bonuses in cases of fraud, abuse, or violation of these terms or Raisin’s Terms of Service.</p>