Junjie

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The FinTech products I think everyone should try!

This page lists the FinTech products I use myself, and have a great time using them. I highly recommend them as you'll end up with earning more in your pocket without spending extra time and money. If you decide not to use them yet, that's okay! Feel free to follow me as I'll be adding more products down the road, one of which may be the one you'd like to try. Happy Saving, Happy Investing!

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M1 Finance referral codes and program details
M1 Finance

Latest Promotion Use the above link when opening your brokerage account and fund it with $100 or opening your retirement account and fund it with $500, keeping your funds for 30 days to get $30 in your Payment Account. How It Works • You must have a funded invest account. • You must send your referral code to a friend who is not currently an M1 customer. • Your friend must use your code to sign up for a new M1 invest or retirement account between January 1, 2021 at 12:00am ET and February 28, 2021 at 11:59 pm ET. • Your friend must be approved to open an M1 brokerage account. • Your friend must invest $100 into an individual account or $500 into a retirement account within 30 days of opening their M1 account. • Your friend must leave their $100 or $500 deposit in their account for 30 days. • Then you’ll both receive $30. Exclusions: • If you receive $30 from this promotion, you will no longer be eligible to receive $30 from the “M1 Deposit $1,000, Get $30” Promotion.

Check out M1 Finance   


Netspend referral codes and program details
Netspend

Use the above link when activating and loading your Card with $40 or more in cash or with Direct Deposit to get $20 for free! How Refer a Friend* works 1 Invite your friend to get a Netspend Visa® Prepaid Card using one of our methods or by sharing your referral code. 2 Your friend orders a new Card using your referral information. 3 They activate their new Card and verify their ID once it arrives in the mail. 4 Your friend adds at least $40 to their Netspend Card. 5 You get a $20 credit and they get a $20 credit. That's it. *A cardholder may receive an unlimited number of Refer-a-Friend rewards while program is available. No reward will be credited to either party if referred individual had another Netspend managed program that was used for a value load, purchase, cash withdrawal, or incurred a balance inquiry fee at any time during the 180 calendar days before the day the $40 load requirement is fully met. Only cash reloads and direct deposits count towards the minimum load requirement. Allow 2 business days for $20 credit to appear on each Card Account. If a cardholder accrues $600 or more in Refer-a-Friend rewards in a calendar year, Netspend will mail cardholder an IRS Form 1099-MISC reflecting the total Refer-a-Friend rewards for such calendar year. Cardholder acknowledges that by referring a friend through this program, cardholder is releasing non-public information. Referred person acknowledges that payment of the referral may result in the cardholder's knowledge of referred person establishing a Card Account with us. MetaBank® is not affiliated in any way with the Refer-a-Friend rewards program and does not endorse or sponsor this program.

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PrizePool referral codes and program details
PrizePool

Latest Referral Promotion Lasting until 2/18/21 at noon PT Starting today, use the referral code M5B1N when opening your account with your first deposit to get an extra 5,000 tickets in addition to the current 10% of any prizes that I won on PrizePool including a guaranteed $25,000 grand prize at the end of each month! Here's an example of how this works, taking you and your friend Sarah to illustrate: You refer Sarah to PrizePool and she wins that month's $100 prize. First of all, congratulations to Sarah, but also you both win an additional $10 each ($100 x 10% = $10). • Sarah wins $110: $100 for her saving prize + $10 for her referral prize. • You won $10 for the month: 10% of Sarah's $100 prize. So, in this example, just by using the referral code, the $100 prize actually means they're giving away $120!

Check out PrizePool   


Wealthfront Cash referral codes and program details
Wealthfront Cash

Use the above link when opening and funding your Wealthfront Cash Account to get $10 for free! In addition to a $10 bonus, you get: • 0.35% APY with high-interest checking • Get paid up to two days earlier with direct deposit • No account fees and unlimited transfers • Quickly get cash from 19,000 free ATMs

Check out Wealthfront Cash   


DCU referral codes and program details
DCU

Message me or make a comment with your first name, last name, and email address before opening your account. I'll enter them in a form under Account Manager > Share DCU > Refer a Friend through Online Banking. Once I complete the form, they'll send an email with a referral code to your friend or family member inviting them to join DCU. This code is valid for 90 days and can be input on their new membership application. Once your friend opens their new membership and qualifying product (see below for more info), you'll get $20*! That's it! About Qualifying Products: Once their membership is opened, new members will need to open at least one of the following in order for you both to qualify for the referral bonus: • Checking Account with recurring Direct Deposit of your payroll, retirement, Social Security, or other monthly recurring income. • Checking Account with at least five qualifying transactions; debit/credit card transactions, bill payments, balance transfers, or P2P transfers the same month. • A vehicle, RV, boat, or mobility loan (purchase or refinance). Only valid on individual member accounts. Business and other accounts do not qualify. *Code and offer expire after 90 days, new referred member has 90 days from receipt of invitation to join, redeem the referral code, open a membership and any one of the qualifying products listed above. Referred member must be at least 18 years old. For membership eligibility, please visit: dcu.org.

Check out DCU   


HMBradley referral codes and program details
HMBradley

Black Friday Referral Promotion Use the above link when opening your account between November 27, 2020 and midnight Pacific Time on December 25, 2020 and establish at least one qualifying direct deposit per month before December 31, 2020 can earn the Tier 1 3.00% annual percentage yield from the date of first direct deposit through December 31, 2020. You are eligible to remain in Tier 1 until January 1, 2021, at which point your new Savings Tier will be set based on your savings rate of the previous quarter. See how they calculate Savings Tiers here hmbradley.com/apys.

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Fundrise referral codes and program details
Fundrise

Use the above link when opening your account to have your first 90 days of advisory fees waived. Each friend who joins Fundrise using your invite link will have their first 90 days of advisory fees waived too!

Check out Fundrise   


Porte referral codes and program details
Porte

Use the above link when opening your account with a direct deposit of $500 or more to get a $50 bonus. You can earn $50 for each person you invite to join, up to $500!

Check out Porte   


One referral codes and program details
One

Latest Promotional Bonus Use the above link when opening your account with a direct deposit of $250 or more to get a $50 bonus. You can receive $50 for each friend you refer, up to a maximum of $500! Question What does One consider as a direct deposit? Answer At One they consider many forms of income as a direct deposit, not just paychecks from your employers. Income can be: • Regular paychecks* • Social security income • Government salary • Other government payments such as annuities • Retirement payments • Unemployment payments Direct deposits are not transfers made from one personal account to another and, at the moment, they do not support ACH transfers for self-employed individuals. If you believe a recent deposit into your account should be considered a direct deposit, please reach out here help.onefinance.com/hc/en-us/requests/new with the following information: • Date of Deposit • Deposit Amount • Depositor Name • Reason for consideration They will review these individually and decisions will be made at One’s discretion based on the information provided. *To qualify as a direct deposit, paychecks must be from a private company or other employer type.

Check out One   


WealthFront referral codes and program details
WealthFront

Use the above link when opening and funding your Wealthfront Investment Account to get $5,000 managed for free! In addition to $5,000 managed for free, you'll get: • A globally diversified portfolio tailored to you • Minimized taxes, costs, and fees • Automatic rebalancing for your portfolio Learn more with their investing guide wealthfront.com/investing-guide

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Yotta Saving referral codes and program details
Yotta Saving

Use the referral code JUNJIE1 when opening your account to get 250 bonus tickets for free!

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Sofi Loans referral codes and program details
Sofi Loans

Latest Promotion Use the above link when applying for a SoFi Student Loan Refi to get a $310 welcome bonus. You get $10 when you check your SoFi student loan rate*. You get another $300 when you fund your SoFi loan. COVID-19 benefits for federal student loans are set to expire Jan 31, 2021. Save thousands on your student loans and get ahead of upcoming payments. * Checking your rate will not affect your credit score.✝︎ NOTICE: Recent legislative changes have suspended all federal student loan payments and waived interest charges on federally held loans until 1/31/21. Please carefully consider these changes before refinancing federally held loans with SoFi, as in doing so you will no longer qualify for these changes or other current or future benefits applicable to federally held loans. ✝︎ To check the rates and terms you qualify for, SoFi conducts a soft credit pull that will not affect your credit score. However, if you choose a product and continue your application, we will request your full credit report from one or more consumer reporting agencies, which is considered a hard credit pull and may affect your credit.

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SoFi Personal Loan referral codes and program details
SoFi Personal Loan

Latest Promotion Use the above link when applying for a SoFi Personal Loan to get a $310 welcome bonus. You get $10 when you check your SoFi personal loan rate*. You get another $300 when you fund your SoFi loan. Low rates. No fees. Personal loans made easy. Fixed personal loans rates range between 5.99% APR to 20.25% (with AutoPay). * Checking your rate will not affect your credit score.✝︎ ✝︎ To check the rates and terms you qualify for, SoFi conducts a soft credit pull that will not affect your credit score. However, if you choose a product and continue your application, we will request your full credit report from one or more consumer reporting agencies, which is considered a hard credit pull and may affect your credit.

Check out SoFi Personal Loan   


Sofi Invest referral codes and program details
Sofi Invest

Use the above link when opening your Active Investing account with $1,000 or more to get $50 in stock. You can buy and sell stocks (and pieces of stocks) with zero fees!

Check out Sofi Invest   


Sofi Money referral codes and program details
Sofi Money

Use the above link when opening your account with $500 or more to get a $50 bonus. You can save, spend, and earn interest—all in one account!

Check out Sofi Money   







Junjie is smart! 😏

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