• BofA new categories: Online shopping includes cable, streaming (was already included), internet, and phone plan and gas now includes EV charging
  • Old terms
  • New terms
  • https://www.doctorofcredit.com/bank-of-america-customized-cash-rewards-expands-the-3-categories/#comments
• 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
  • Generic referral
  • Targeted SUB offer
• 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
• Moving all Autopays and DD to Wealthfront