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
Ally bank checking bonus https://www.doctorofcredit.com/ally-bank-200-checking-bonus-get200/
Does not stack with referral
Ally Referral - thanks!
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
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
Thought process for new main checking account
Requirements:
Checking account
HYA (>4%)
ATM network or reimbursement
Leaving Juno
Bipass login bug
Change to $20k for 5%
Options:
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
4.8% w/ .5% boost with referral (up to 6 month stack) & ATM network
5%, cash management account ATM reimbursement, not FDIC insured but SIPC which does not cover SPAXX dropping
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