Earn up to a $100 Monthly Bonus
Open a new DreamFi® Checking Account¹ and earn a monthly cash bonus based on your average balance for the prior calendar month.²
Eligible customers may receive a bonus each month during the promotional period when their account remains open and have an active DreamFi Membership through the payout date.
Ben Crump, Civil Rights Attorney & Co-Founder
Tiers to earn
Promotional Period: May 1, 2026 – August 31, 2026
Tier
Balance
Monthly Bonus
Tier 1
+$2.50 bonus
Tier 2
$1,000 – $2,499.99
+$5.00 bonus
Tier 3
$2,500 – $4,999.99
+$10.00 bonus
Tier 4
$5,000 – $9,999.99
+$20.00 bonus
Tier 5
$10,000 – $24,999.99
+$40.00 bonus
Tier 6
$25,000 – $49,999.99
+$75.00 bonus
Tier 7
$50,000 – $200,000
+$100.00 bonus
Avg. Monthly Balance
Monthly Bonus Earned
+$2.50 bonus
$1,000 – $2,499.99
+$5.00 bonus
$2,500 – $4,999.99
+$10.00 bonus
$5,000 – $9,999.99
+$20.00 bonus
$10,000 – $24,999.99
+$40.00 bonus
$25,000 – $49,999.99
+$75.00 bonus
$50,000 – $200,000
+$100.00 bonus
The Bonus is just the beginning
Getting cash back is great, but DreamFi does even more to protect your money and your family.
To open your checking account and earn your bonus, you just need a DreamFi Membership. After your first 30 days FREE, it’s only $9.99/month. Along with your bonus, your membership also gives you:
No check cashing fees
Get your paycheck fast with direct deposit.¹
Free ATMs
Get cash for free at over 50,000 ATMs.³
Visa® Debit Card
Shop safely in stores or online.²
Free doctor calls
Talk to a doctor on your phone for $0 copay.⁹
Life insurance
$5,000 in coverage for your family.⁴
Cell phone fixes
If your phone breaks, we help pay for it up to $1,000.⁵
Roadside help
24/7 help if your car breaks down.⁶
Phone plan discounts
Cell phone plans from $15/month
Prescription discounts
Save money on your medicine⁸
How the Monthly Bonus is calculated
The monthly bonus is calculated using your average end-of-day account balance during each monthly statement cycle.
- Each calendar day’s ending balance is included in the calculation, including days with a zero balance
- Daily balances are added together and divided by the number of days in the month
- Average balances are rounded using standard currency precision rules before determining bonus eligibility
- Bonus amounts are determined by balance tiers and subject to an annual cap
Bonus cap
The maximum total bonus a customer may earn under this promotion is $1,200 per calendar year.
Eligibility requirements
To be eligible for the monthly bonus, you must:
- Be a DreamFi Member
- Open a new DreamFi Checking Account
- Fund the account (eligibility is determined based on the first day funds are deposited and the average daily balance is prorated based on date of deposit)
- Ensure the checking account is open and have an active
- DreamFi Membership through the payout date. If your account is closed, suspended, or does not reflect a positive balance prior to payout, any earned, unpaid bonus for that month will be forfeited.
If your account is closed, you will not be eligible for a bonus for the month of closure.
Bonus posting
Bonuses will be credited to the account on the 5th day of each month.
Disclosures
- DreamFi is a financial technology company, not a bank. Banking services provided by FinWise Bank, Member FDIC.
- The DreamFi Visa® Debit Card is issued by Cottonwood Payments pursuant to a license from Visa USA, Inc. Use of this card is subject to the terms and conditions of the account agreement. Visa is a registered trademark of Visa USA, Inc. All other trademarks and service marks belong to their respective owners.
- To find a surcharge-free ATM in the Allpoint network visit the DreamFi app or allpointnetwork.com
- Life insurance coverage subject to approval from DreamFi’s life insurance partner and available to those who open a DreamFi checking account in eligible states. Eligible states for term life insurance include: Alabama, Alaska Arizona, Arkansas, California, Colorado, Connecticut, Delaware, D.C., Georgia, Hawaii, Illinois, Indiana, Kansas, Kentucky, Louisiana, Maine, Maryland, Massachusetts, Michigan, Minnesota, Missouri, Mississippi, Montana, Nebraska, New Jersey, Nevada, North Dakota, Ohio, Oklahoma, Pennsylvania, Texas, Tennessee, Vermont, Washington, West Virginia, Wisconsin, Wyoming.
- Cell phone protection: Up to two claims up to $600 each with maximum of $1,000 per twelve-month period; $50 deductible per claim.
- Roadside assistance: Maximum benefit limit is $100 per occurrence and $200 per twelve-month period. Subject to maximum of two occurrences per twelve-month period.
- DreamFi member benefits are subject to change, please see DreamFi.com for complete details. Fees may apply.
- Compare major prescription savings programs to find the lowest cost available at pharmacies in your area. Mobile phone plans available to DreamFi members paying bill with their DreamFi checking account, plans starting at $15. See “Member Benefits” within the app for complete details.
- Access to 24/7 video or phone visits with U.S.-based board-certified, licensed, and credentialed doctors ready to help with physical and mental health care— with zero copays. (Registration/activation required.) Available for the account holder and their spouse/domestic partner and up to six (6) dependent children age 2 and older. This is NOT insurance.
- The DreamFi 30-day trial is available to new customers only and begins upon account activation, subject to eligibility requirements. Eligible services are provided at no cost during the trial period. Unless you cancel before the trial ends, you authorize DreamFi to automatically charge fees for your selected membership plan using your payment method on file. This membership will auto renew until cancelled.
You may cancel your membership at any time in the app or by logging into your account at DreamFi.com. Cancellation requires closing your checking account and takes effect at the end of the trial period. DreamFi may modify or terminate this offer in accordance with applicable law. Additional terms apply; see the DreamFi Account Agreement for details.
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