Bank of America offers $25 to open new Persoanal Checking Accounts, $10 for new Student Checking Accounts, and $50 for new Business Checking Accounts if you are referred by a current Bank of America checking account member.

You can also earn additional bonuses if you open up other Bank of America accounts at the same time, and once you become a member, you can start earning referral fees as well.

Open a new personal checking account and you’ll receive $25. Currently when applying online, the MyAccess checking account is free with no direct deposit requirement. Sign up now online and you’ll get the fee-free offer plus the $25 bonus. If you sign up for any savings account at the same time, you’ll get another $10 bonus. Sign up for the savings account with at least $1,000, and they’ll give you a $25 bonus, for a total of $50.

Open up a new CampusEdge student checking account, and you’ll get a $10 bonus. The Bank of America CampusEdge account is free for 5 years while you are a student, and it even offers you a one-time fee refund if you overdraft on your account or mess up in some other way. Plus, you can get an additional $10 if you sign up for a Bank of America Student Visa Platinum Plus Credit Card, or one of their other college or university cards, for a total of $20.

Open a new Bank of America business checking account and get a $50 bonus. Bank of America business checking accounts are free in most cases if you have a personal checking account or some other type of account through them. New business checking account members can also earn up to $220 in additional bonuses if they do one or more of the following at the same time:

1. Open a new business savings account for a $20 bonus.
2. Open a Bank of America Business Credit Express account, Visa Business Credit Card, Business loan, line of credit, or lease for a $50 bonus.
3. Apply for and activate a BA Merchant Services Card Processing account for a $100 bonus.

Depending on what you need to get your business started, you could earn a total of up to $320 in bonuses. That’s not bad if you need these accounts anyway.

The referral program is simple. If you know a current Bank of America checking account holder, simply ask them to refer you. When you apply for your new account through their referral, you will both get the same great bonus, so you both win.

To refer you, they can either email you an official Bank of America invitation through their online account, so that you can apply online, or print out a referral form through their online account, which you can then take to a Bank of America location.

However, we recommend the email referral method, as personal checking accounts are only free without a direct deposit obligation if you apply online. Plus, there are other online-only offers you may not get otherwise.

IF YOU DON’T KNOW A CURRENT BANK OF AMERICA CHECKING ACCOUNT MEMBER, we would be more than happy to Email you an Official Bank of America Invitation.

Just click on the link to email us at: MaximizingMoney@gmail.com

Please specify which type of Bank of America checking account you would like to open (personal, student, or business), and we will send you an official Bank of America referral invitation by email. Then just apply through the email link in order to get the bonus.

We can also provide you with a hard copy or printable version of the referral if you prefer to apply at a Bank of America near you.

Once you become a member, you can then refer new checking account members yourself and earn the same great bonus. The referrals are unlimited, so the bonuses can really add up.

Visit Bank of America for More Information about their Checking Accounts

Just remember that you’ll need an official referral invitation to get the bonus.

Thanks and enjoy. MaximizingMoney.com

The SavingSmart shopping network offers a 5% discount on brand name gift cards from restaurants and stores where you probably already spend your money. You can also get up to 15% off at over 175 other recognizable online stores and services.

This can save you a lot of money if you like to give gift certificates for presents to your friends and family. You can do all of your shopping at SavingSmart, and save 5% on whatever you spend.

Or just use them yourself and enjoy great savings at your favorite stores and restaurants.

Here are some of the merchants that currently offer 5% off $25 gift cards:

A Pea in the Pod, Barnes & Noble, Bass Pro Shops, Bath & Body Works, Best Western, Blockbuster, Borders and Waldenbooks, Brunswick Bowling, Champ Sports, Dillard’s, Dress Barn, Foot Action, Foot Locker, Harry & David, Jackson & Perkins, KB Toys, Kid’s Foot Locker, Lady Foot Locker, Lands’ End, Lillian Vernon, Linens ‘n Things, L.L. Bean, Lord & Taylor, Macy’s, Mimi Maternity, Motherhood Maternity, Nascar.com, Orvis, Pier 1 Imports, Sears, The Sharper Image, SonyAwards, Spa Finder, Sports Authority, Sunglass Hut, Timberland, Watch Station, White Barn Candle Co, Bon-Ton, Elder Beerman, and Staples.

Here are some of the restaurants that currently offer 5% off $25 gift cards:

Bahama Breeze, Bennigans, Bonanza Steakhouse, Hard Rock Café, Olive Garden, Omaha Steaks, Panera Bread, Planet Hollywood, Ponderosa Steakhouse, Red Lobster, Smokey Bones Barbeque & Grill, Steak & Ale, T.G.I. Friday’s.

Beyond those, you can save up to 15% off at online retailers including AVON.com, Circuit City, drugstore.com, Office Depot, Shoebuy.com, and many more.

The one thing you have to consider is that there is a $19.95 per year membership fee, so that will cut into some of your savings.

In order to break even, you would have to spend at least $400 on the 5% gift cards, or as little as around $135 - $300 on the up to 15% offers, depending on what you buy and where.

However, if you do buy a lot of gift cards as presents, and you shop online a lot, you can easily reach the spending level at which you would save money. If you know 20 people you would buy $25 gift cards for over the period of one year (that’s $500 in gifts), you would save $5.

Not spectacular, but if you also purchase yourself another 20 gift cards for taking the family to T.G.I. Friday’s, or shoes at Foot Locker, or a new canoe at Bass Pro Shops, or whatever else, you would save an additional $25 for a total of $30 in savings this year.

If you consider the online shopping for up to 15% in savings at great places like Office Depot, and other major purchases you could make with the 5% discount cards, like say a washer and dryer at Sears, the savings could really add up.

GET INFORMATION ON SAVINGSMART AND SIGN UP HERE

SavingSmart easily has the potential to save you around $200 - $300 a year if you purchase gift cards for presents and you shop and dine at the merchants and restaurants that are currently participating.

If you do, the best method for saving money is to calculate about how much you spent last year at these places and go ahead and purchase half of that in gift cards right away. That way, you’ll have them around when you get the itch to go out to eat or when you’re about to run off to your favorite store for something you’ve got to have right away.

Visit SavingSmart.com for more information.

Thanks and enjoy. Maximize your money.

Buy gas at BP Gas Stations with the free Chase BP Visa® Rewards Card and you can save hundreds of dollars this year.

If you spend an average of $250 a month on gas, you’ll earn $175 this year, and the savings are unlimited, so the more you spend on gas, the more money you’ll save.

The Chase BP Visa® Rewards Card has a 10% rebate on BP gasoline purchases the first two statement periods, and 5% thereafter, so even after the introductory rebate period, you’re going to get great savings.

Gas Purchases = Savings Comparison:

$50/month = $35/1st year, $30 thereafter.
$100/month = $70/1st year, $60 thereafter.
$150/month = $105/1st year, $90 thereafter.
$200/month = $140/1st year, $120 thereafter.
$250/month = $175/1st year, $150 thereafter.
$300/month = $210/1st year, $180 thereafter.
$350/month = $245/1st year, $210 thereafter.
$400/month = $280/1st year, $240 thereafter.
$450/month = $315/1st year, $270 thereafter.
$500/month = $350/1st year, $300 thereafter.

That’s really an incredible amount of money in savings, and the card has NO ANNUAL FEE.

The Chase BP Visa® Rewards Card also offers a 2% rebate at restaurants, airlines, hotels, and car rentals, plus 1% on everything else, so you can get great savings elsewhere if you like to use a single card for all of your purchases.

There is also a 0% intro rate, but after that, you may want to pay off your statements in full, as the interest rate will reduce any savings if you carry a balance.

One of the best ways to build your savings with a credit card like this is to apply for free additional cards for your family members, but just be sure that they go to BP Gas Stations.

BP Gas Stations have locations throughout the U.S.A.

Thanks and Enjoy.

MaximizingMoney.com

If you spend an average of $250 on gas a month, the free Chase PerfectCard™ MasterCard® can save you over $100 in gasoline your first year.

If you spend more than that on gas, you could save as much as $180 per year, just by applying for the Chase PerfectCard™ MasterCard® and using it for all your gasoline purchases. The best part is that you can BUY GAS AT ANY GAS STATION.

Here’s how it works. The PerfectCard offers a 6% rebate on gas the first 90 days and 3% thereafter.

So, if you’re spending an average of $250 per month, I’ll do the math.

First 90 days at 6%, spending $250 per month, you’ll earn $15 per month.

For the next 9 months at 3%, spending $250 per month, you’ll earn $7.50 per month.

So, $45 for the first 3 months and $67.50 for the next 9 months equals $112.50 in gas savings your first year, which is 3.75% of your gas budget of $3,000 per year.

You’ll also continue to save $90 per year, and if you have a larger gas budget, you can save even more. The trick is you can only earn up to $15 per month in gas purchases, so you are limited overall to $180 per year.

That means that the most you can earn gas rebates on is $500 per month in gas purchases at the rebate of 3%, but if you spend an average of $400 a month, you would earn $180 your first year with the “6% for 90 days” bonus rebate included.

Spending vs. Savings Comparisons:

$50/month = $22.50/1st year, $18 thereafter.
$100/month = $45/1st year, $36 thereafter.
$150/month = $67.50/1st year, $54 thereafter.
$200/month = $90/1st year, $72 thereafter.
$250/month = $112.50/1st year, $90 thereafter.
$300/month = $135/1st year, $108 thereafter.
$350/month = $157.50/1st year, $126 thereafter.
$400/month = $180/1st year, $144 thereafter.
$450/month = $180/1st year, $162 thereafter.
$500/month = $180/1st year, $180 thereafter.

The Chase PerfectCard has a 0% introductory rate and a decent APR, but most importantly, it has NO ANNUAL FEE, so as long as you pay your bill in full on time every month, you can get up to an extra $180 a year for free.

You also get an extra 1% cash back on all your other purchases, and that rebate is unlimited, so the cash back in that sense is unlimited as well, but I recommend just using this for buying gas, as you can save more on different types of purchases with other credit cards.

As mentioned, what makes the Chase PerfectCard™ MasterCard® better than most gas station rebate cards is that this card works at any gas station you go to, so whether you’re traveling, moving, or you share your card with a friend or family member, you’re still going to get the same rebate.

By the way, that’s another way to take advantage of the maximum rebate. Share the rebate with a friend when you apply for a free additional card.

Thanks and enjoy. Maximize your gas money.

If you have a Visa, MasterCard or American Express credit card, you currently qualify for hundreds of shopping discounts, special offers and money-saving deals from brand name stores where you may already be shopping without knowing it.

Credit cards from any issuer qualify for these savings, as long as they carry the MasterCard, Visa or American Express logo. Merchants and services include car rentals, hotels, utilities, electronics and a wide range of other merchandise and services, and you only need to print coupons, provide discount codes online or mention offers when paying or making reservations. They are simple to use and offer great savings just for using your credit card.

Some examples include:

Save up to 25% at Budget car rental.
Save up to 20% at Avis.
$10 off at Finish Line.
$10 off at Nine West.
15% off at Paul Fredrick MenStyle.
$2 off at Payless ShoeSource.
25% off at Sketchers.
Every tenth purchase free at Burger King.
10% off at Overstock.com.
$5 off at Target.com.
10% off TheBabyOutlet.com.
10% off at TicketsNow.com
Up to 15% off at TicketMaster for select events.
$5 off at KBToys.com.
$15 off at AceHardware.com.
20% off at Dummies.com.
$10 off at JCPenny.com.

That’s just a small sample of the many discounts and offers, but there are a wide range of other specials including unique opportunities like vacation packages. These are especially good for discount traveling, as they offer many discounts at hotels across the country. There are also many offers outside of the USA, mainly through American Express, if you are planning on traveling overseas or living abroad.

Visit their websites and browse around to see the many offers they have.

American Express Savings and Discounts

Visa Savings and Discounts

MasterCard Savings and Discounts

It’s definitely worth checking to see if you are already a customer at a store that offers a discount, so that you can take advantage of it. Plus, it’s worth checking before you make any purchases, as the merchants and stores are constantly changing, so there is always something new available.

You can also rotate purchases between your Visa, MC and AMEX cards to take advantage of the different discounts and increase your everyday savings.

Thanks and enjoy this opportunity to maximize your money.

This Bank of America bonus offer has expired, please visit the Current MyAccess Checking Account $75 Banking Bonus Offer for more information on how to get a similar cash banking bonus from Bank of America.

Bank of America currently offers a $100 sign up bonus for opening a FREE MyAccess Checking Account if you are a Bank of America credit card customer.

If you have a Bank of America card, sign up for a MyAccess checking account, which offers no fee banking with no minimum balance requirement, no direct deposit requirement and free online bill pay services, and if you make a minimum opening deposit of at least $25 within 30 days, you’ll get the free cash bonus offer of $100 in the form of a deposit to your new checking account within 50 days.

SIGN UP FOR THE MyAccess CHECKING ACCOUNT FROM BANK OF AMERICA

The promotional website is: http://www.bankofamerica.com/promos/jump/100ssccheck_olb/

Make sure that the promotional code is entered on the sign up page before you continue - CH100CTA

As mentioned, you must be a Bank of America credit card customer, and you can fund the opening balance of the free checking account with your credit card, as well as through a number of other funding options.

This is a limited-time bonus offer, and there is no indication as to when it may end, so take advantage of it while you can. The application process is also very simple with minimal requirements (no driver’s license, etc).

Thanks and enjoy.

Maximizing Money

Open a Wachovia Free Checking Account and receive a $25 sign up bonus when you are referred by a current Wachovia account member.

Wachovia Personal Checking Accounts are absolutely free, and you also receive a free Visa Check Card that can be registered with the Visa Extras rewards program, but paper checks do cost extra if you need them.

There is a $100 minimum opening balance requirement for the Wachovia Free Checking account and a $50 minimum opening balance requirement for the Wachovia Free Student Checking account. However, there is no minimum balance requirement after your account is opened.

Wachovia offers excellent online services for all of their accounts and their customer service representatives are some of the most helpful in the industry. There are locations throughout the South and the East Coast, and they have now stretched to Texas and California.

If you know a current customer, you can call 800-WACHOVIA, give their name and complete address and you will both receive a $25 Wachovia Visa Gift Card.

Or, VISIT THE WACHOVIA REFERRAL WEB PAGE TO GET A REFERRAL COUPON, which you can bring to your nearest Wachovia location when you sign up for a free personal checking account. You can also get all of the additional details on the offer you need.

If you do not know a current Wachovia customer, we would be happy to provide you with the information of a current customer, so that you can both receive the $25 sign up bonus. Just EMAIL A REQUEST FOR A WACHOVIA ACCOUNT SIGN UP BONUS and we will respond with the necessary information.

Again, you can request the information of a current Wachovia Checking account member at MaximizingMoney@gmail.com, so you can be sure to receive the bonus offer, or share it with a friend if you know a current customer. Either way, you win.

Wachovia $25 Referral Bonus

Wachovia Free Personal Checking Account members can currently earn a $25 bonus for referring a new checking account customer.

If you are a current Wachovia checking account member with a friend who is interested in opening a new personal checking account, just have them call 800-WACHOVIA and provide your name and address when they sign up for a new checking account, and you will both receive a $25 Wachovia Visa Gift Card.

You can also GET A WACHOVIA REFERRAL COUPON AT THEIR WEBSITE, which the person you refer can bring to any Wachovia location when they sign up for a new personal checking account.

Wachovia personal checking accounts are totally free with excellent online services and no minimum balance required. They do charge extra for personal checks if you need them, but other than that, all of their billpay services and other features are free, plus they really do have excellent customer service.

If you do not currently have a Wachovia checking account and you would like to sign up to receive the $25 bonus, EMAIL MAXIMIZINGMONEY@GMAIL.COM TO REQUEST THE NECESSARY WACHOVIA ACCOUNT HOLDER INFORMATION, which we will be more than happy to provide for you.

Once you sign up for your Wachovia Free Checking Account and receive your $25 banking bonus, you can begin referring as many friends as you like to receive $25 referral bonuses from Wachovia.

The Chase Flexible Rewards program is currently offering bonus rewards, shopping discounts and other special offers to Chase credit card members.

If you have a Chase Flexible Rewards Platinum Visa® Card or another Chase credit card with the Flexible Rewards program, you can shop from hundreds of online merchants at WWW.CHASE.COM/REWARDSPLUS to receive various bonus point offers and discounts.

To receive these Chase Flexible Rewards bonus points, just visit the Chase Shopping Network at WWW.CHASE.COM/REWARDSPLUS for promotional offers for bonus points and shopping discounts.

All you need to do is log on with your Chase user ID and password, or sign up for a user ID and password, at WWW.CHASE.COM/REWARDSPLUS to start saving.

Here is a list of some examples of recent bonus point offers through the Chase Rewards Plus program, and there are always great bonus point offers available.

Circiut City: 3 bonus points per dollar.
ToysRUs: 3 bonus points per dollar.
Office Depot 5 bonus points per dollar.
Overstock.com: 6 bonus points per dollar.
Lands’ End 7 bonus points per dollar.
Sears: 6 bonus points per dollar.
travelocity: 2 bonus points per dollar.
Barnes and Noble www.bn.com: 6 bonus points per dollar.
Orbitz.com: 600 bonus points per booking.
JCPenny jcp.com: 7 bonus points per dollar.
Target.com: 7 bonus points per dollar.
Apple Store: 2 bonus points per dollar.

Those are just some introductory offers, but there are also plenty of store discounts and special offers like free shipping on your purchases, and all of the stores are recognizable brand names that you would shop from anyway.

It’s a great way to build up your Chase Flexible Rewards points, which are currently redeemable at a rate of 1% for cash back. Earn 10,000 points and get a $100 Chase cash back check or a $100 gas card.

If you don’t have one already, consider applying for the Chase Flexible Rewards Platinum Visa® Card, which has no annual fee and offers 1 point per $1 on all of your purchases towards gift cards, travel rewards, cash back rewards, and merchandise.

Thanks and enjoy maximizing your Chase Flexible Rewards.

Citibank is offering bonus cash and extra points to current credit card account holders who provide referrals for new Citi Card customers.

If you are a current Citi Card member, you can get paid up to $250 in statement credits (Citi Platium Select Card members) or up to 25,000 bonus points (Citi Professional Card members), as well as other offers that vary depending on which card you have.

All you have to do is VISIT THE OFFICIAL CITI CARD REFERRAL WEBSITE and enter in your credit card account information. You will then see which Citi Card referral bonus is offered, and you can easily send your Citi Card referral invitations by email.

The Official Citi Card referral website address is www.refer.platinumselect.citicards.com

Thanks and enjoy this Citi Card offer.

Brand Institute pays doctors, nurses, pharmacists, and various other medical professional money to participate in their online surveys and telephone panels. The money is very good, as much as $50 to $100 or more sometimes depending on your specialty, and you also do get a chance to participate in some pretty interesting studies.

Brand Institute provides brand naming services for the medical industry and especially the pharmaceutical industry. They basically create brand names for new pharmaceutical products and submit research studies to the Food and Drug Administration regarding the safety of those names when it comes to their practical everyday use. They study whether a particular drug’s name could be confused with current names of drugs on the market when they are written on prescriptions or spoken between professionals. The drug names must be approved by the FDA before they can be used, so millions of dollars and years of research and branding depend on the success of these research studies and their subsequent approval or denial by the FDA.

It will give you an interesting insight into how the brand naming and marketing industries interact with the FDA and the pharmaceutical industries, but best of all, it’s a great way to earn some extra cash, and you can sometimes make the equivalent of $50-$100 an hour.

You don’t always need to be a practicing medical professional either, so if you have your license or certifications or if you are a recent graduate with certain qualifications, you may be able to participate while you are otherwise venturing into your career.

VISIT BRAND INSTITUTE FOR MORE INFORMATION AND TO SIGN UP.

Thanks and enjoy.