- BofA new categories: Online shopping includes cable, streaming (was already included), internet, and phone plan and gas now includes EV charging
- Albert Genius now $14.99
- Free trial still churnable
- Touch on idea
- Referral link
- Ally bank checking bonus https://www.doctorofcredit.com/ally-bank-200-checking-bonus-get200/
- Does not stack with referral
- Targeted Apple Card 5% back offers
- Ally Referral – thanks!
- Current fee change
- Inactivity charge of $5 after 12m, closure fee of $10
- Note: the minimum to transfer was $1. They credited me a free $0.75 so I could transfer out LOL
- Target 20% back up to $10 Cash App
- Targeted for $15 off $90 spend Target Circle offer
- Maybe use PayPal split to hey 10% back (up to $5) with Albert and $10 with Cash App
- $100 spend, $25 discount or 25% off
New Main Checking Account
- My Requirements:
- Checking account
- HYA (>4%)
- ATM network or reimbursement
- Leaving Juno
- Bipass login bug
- Change to $20k for 5%
- Options:
- Robinhood Gold
- 4.9%, ATM network, 3% IRA match (with vesting period), checking, $60/y fee
- Looking at my spend for last year, if I were to achieve BofA Platinum Honors status, I’d get an extra $196 in cash back per year. Not to mention my BofA spend this year went way up now that I have my curve strategy. Gold would net me $135 after the AF ($6500 *3% – $60 = $135 net per year), plus that $135 would not vest for 5 years. 5 years of IRA contributions would get me to Platinum Honors and at that point only one year of my $135 IRA match would be vested
- My referral
- Wealthfront
- 4.8% w/ .5% boost with referral (up to 6 month stack) & ATM network
- My referral
- Fidelity Bloom
- 5%, cash management account ATM reimbursement, not FDIC insured but SIPC which does not cover SPAXX dropping
- HMBradley
- 4.7%, requires positive cash flow & $500 deposit, & $500 spend on CC, BofA does not support for AutoPay
- Robinhood Gold
- Moving all Autopays and DD to Wealthfront
Personal Finance 
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