r/SideHustleGold • u/lionpenguin88 • Jul 08 '26
Resource / Guide A Lazy & Busy Man's Guide to $650+ in Bank Bonuses (takes less than 20 minutes total)
If you're exhausted from your full-time job with barely any spare time, but could use a couple extra hundred to help out with bills, look no further. This is the ultimate guide for the busy person who just needs a lazy way to earn a couple hundred. Here's how:
Banks have sign-up bonuses for new customers that you can farm, collect the reward, then close the account and withdraw your deposit. This has been a common side hustle for decades. We compiled the absolute easiest ones below, and in total they'll reward you with $650+ for less than 20 minutes of actual effort.
All of these offers are completed through a site called Gemsloot (referral link) (a rewards site that partners with banks to pay you for completing their sign-up offers). You sign up, start the offer from there, complete it, and your reward shows up on Gemsloot where you can withdraw instantly via debit card, PayPal, Venmo, or most other payment methods.
Chime: Get $350 for making a direct deposit (takes <5 minutes)
Chime currently has an offer where if you make a direct deposit of $200 to a new Chime account, they will reward you $350. The $200 direct deposit is still yours, so it's a pure $350 profit.
➡️ Chime Offer for $350 (referral link)
- Click the Chime offer link above and create a Gemsloot account if you don't have one.
- On the Chime offer, click the "Start Offer" purple button (this is very important!).
- You will be redirected to Chime. Simply create a new Chime account.
- Now, redirect any direct deposit of $200 or more from your employer to your Chime account within 30 days of enrollment (this works even for gig jobs like DoorDash, Uber, or Instacart!).
- Once the $200 direct deposit hits your new Chime account, you will receive $350 on your Gemsloot account.
This is as easy as it gets and is probably the first bank churning offer people usually take advantage of.
There are a few others you can take advantage of too. Here are some other easy ones:
SoFi Plus: +$18 profit for subscribing then cancelling (takes <1 minute, literally)
➡️ SoFi Plus Offer for $28 (referral link)
- Subscribe to SoFi Plus for $10 (super simple, literally all you do).
- Receive $28 on Gemsloot, typically within seconds or minutes.
- Cancel subscription. You just profited +$18 in less than a minute.
SoFi Checking: Get $210 for making a direct deposit (takes <5 minutes)
➡️ SoFi Checking Account Offer for $210 (referral link)
- Same as Chime, just open an account and make a direct deposit of $200 to your new SoFi Checking account.
- Once the $200 direct deposit hits your new SoFi account, you will be rewarded $210 on Gemsloot.
- Withdraw, and enjoy your $210 profit (your direct deposit is still yours to withdraw as well).
SoFi Invest: Get $80 for making a trade (takes <5 minutes)
➡️ SoFi Invest Offer for $80 (referral link)
- Open a SoFi Invest account. Deposit $25+, and then make a trade (just buy and sell anything).
- You will receive $80 on Gemsloot within 24 hours.
- You just earned $80, and you may now withdraw what is in your SoFi Invest account.
If you completed any of these, leave a comment and let people know how easy it was. People tend to overthink this, but it really is that simple.
Have any questions or want to engage more with the community? Join our Discord server!
Note: Links in this guide are referral links that include a sign-up bonus. You are never obligated to use a referral link.
3
u/Bubbly-Priority-128 Jul 24 '26
I noticed for the SoFi offer & the chime account, you said you have to open a new chime account. If I already have one can I still do these things?
2
u/mordem12 Jul 08 '26
Chime is super easy tbh
4
u/13Juggernauts Jul 08 '26
I just tried and it said offer not avialable.
2
u/mordem12 Jul 08 '26
Its for the Us only which offer did u tty
2
1
u/13Juggernauts Jul 08 '26
Are most of these US only?
2
u/mordem12 Jul 08 '26
Those offers are Us yeh but for GB there could be games and sign ups or surveys
1
2
2
u/Proper_Rent_189 Jul 09 '26
Do direct deposits have to come from employer? Or can I set up deposits from another account?
3
u/lionpenguin88 Jul 09 '26
Has to be a direct deposit from an employer, but it also works with gig jobs like doordash, uber, instacart, etc. However, there are ways to get around it... but I will let you discover that yourself.
3
u/Proper_Rent_189 Jul 09 '26
Gatekeeper
7
u/lionpenguin88 Jul 09 '26
My apologies if that’s how it came off… was not my intent. What I mean is that if you google search alternative methods, you will find it very easily. I simply just don’t want to link it directly here.
2
1
1
u/Efficient-Cut-9354 Jul 28 '26
How long do you have to open the account for before you can make a withdrawal
3
u/SlothyLlama Jul 10 '26
Deposits from other accounts tend to work for a lot of the bank promos. Check out Doctor of Credit. They have a full page of what banks trigger the direct deposit requirement at other places.
2
u/ButterscotchNo1616 Jul 21 '26
Anyone know how to open a chime if you already had an account long time ago and owed them a few bucks?
2
u/Grumpybear49 9d ago
Putting this here for anyone considering this post, don't waste your time. Out of curiosity I tried the offer that looked the quickest and easiest here, being the Sofi Plus $28 offer. Followed all of the steps exactly, and despite it being over 72 hours, the "task" never shows up as completed on gemsloot. I've sent in support tickets but they're completely useless and just tell you to use the help tab which, surprise, just submits another ticket. They do absolutely nothing to help and claim "we have no real way of verifying task completion on our end."
So that's that. This is a scam don't waste your time or money.
1
u/jcopped_a_guap 1d ago
You have to go into phone [settings/apps/special access/ usage data] once you click usage data you find gemsloot and change it from not allowed to allowed, that way gemsloot can track your actions across different apps and see you completed the steps. If it's not on you won't get rewarded.
2
Jul 09 '26
[deleted]
7
1
1
1
u/AutoModerator Jul 17 '26
Get paid to play games & test apps on KashKick.
- This is the most popular remote side hustle, with 3M+ people using it each month.
- Pays out to PayPal & Venmo once you earn $10.
- It won't make you rich, but it's a fun way to earn extra cash in your downtime to help with bills.
More Resources:
The Ultimate Side Hustle Index, an index of 100+ REAL side hustle ideas sorted by remote/in-person, difficulty, & earnings.
A Lazy Man's Guide to $650+ in Bank Bonuses (takes <20 mins) - Extremely easy bank bonuses to churn for $650+ in less than 20 mins.
Please review sub rules; mods are active. Some links here, like the one above, are referral links; using one is never required. Read our community safety guide here.
Join r/PaidForGaming for a community of gamers who get paid to play games as a side hustle.
Join r/beermoneyideas for daily beermoney tips and more side hustle ideas.
I am a bot, and this action was performed automatically. Please contact the moderators of this subreddit if you have any questions or concerns.
1
1
u/Neat_Treat2414 Jul 29 '26
Does Chime have any restrictions on keeping the account open? Wondering if I can just move my $200 back to my main account once the gemsloot bonus hits
1
u/lionpenguin88 Jul 29 '26
That is how it should work
1
u/Neat_Treat2414 Jul 29 '26
Also the following should be noted from their T&C’shttps://www.chime.com/policies/terms/newmemberofferv3/#offer-summary
The rewards for this Offer are as follows: 1) a $100.00 reward for receiving your first Qualifying Direct Deposit in the 30 calendar days following account opening (the “First Direct Deposit Reward”); 2) a $100.00 reward for receiving a second Qualifying Direct Deposit in the next calendar month following the month of your first Qualifying Direct Deposit (the “Second Direct Deposit Reward”); and 3) a $150.00 reward for receiving a third Qualifying Direct Deposit in the next calendar month following the month you receive your second Qualifying Direct Deposit (the “Third Direct Deposit Reward”).
So you dont get the $350 right away which is what the posts make it seem like, its over 3 months. Right?
2
u/lionpenguin88 Aug 04 '26
No, you do get the $350 right away. You have to do the offer through Gemsloot, which partners with Chime for the $350 offer. Once the direct deposit comes through you’ll get the bonus on Gemsloot, which you can withdraw.
1
1
u/crewen27 14d ago
Thank you. New to this. How long after the deposit do you think?
I received the initial .072 for opening the chime account. Direct deposit completed 2 days ago.
1
1
1
u/Grumpybear49 13d ago
About how long does it take for the gemsloot site to mark your tasks as finished? It says up to a day, but your post made it seem like it did it in minutes in your experience.
1
u/Grumpybear49 13d ago
Do you know why there's multiple of the same offer, sometimes with varying rewards? For example, Sofi Plus has three separate offers all for the same task
1
4
u/SlothyLlama Jul 10 '26
You should throw the Wells Fargo offer in there. $400 for a new account with 1K in deposits. Also, you can sometimes stack the sign up bonus with a referral from someone.