Update 7/16/25: Referral bonus now $150/$150. Do not share or request referrals in the comments below.
Update 10/1/24: Referral bonus now $100. Debit card transactions now need to be $10 or more.
Update 8/4/24: Referral bonus now $50.
Update 1/7/24: OnPath is now on Swagbucks for $40. Might be possible to stack this bonus along with the $100 referral.
Extended until 3/31/24
Update: I’ve created a separate referral page. Be sure to follow the rules there carefully or your link will be removed.
The Offer
Direct Link to offer | Referral offer
OnPath FCU offers two reward checking accounts:
- 7% APY High Yield Checking account for up to $10,000.
- 5% Cash Back checking account for up to $200 in spending ($10 free money) per month.
There are monthly qualification cycle requirements to earn that higher interest rate or cashback:
1) Log in to online or mobile banking
2) Be enrolled in and receive e-statements
3) Have at least 15 debit card purchases post and settle of $10+
Additional Details
- Credit union can be joined nationwide by making a $5 donation to the OnPath Foundation.
- They do pull Chexsystems, but no hard pull, unlikely for EWS. Not Chex-inquiry sensitive.
- $1,000 in CC funding: The application says $2,500, but only allows $100 to be filled in, and when on the phone finalizing the application, you can request $1,000. (Citi Double Cash posted as purchase.)
Referral Offer
Currently this credit union is running a ReferLive referral program with a $100 Visa rewards card for both parties. To earn the $100 Visa® Reward Card, the new customer must register via a ReferLive link, open a new OnPath FCU personal or business checking account, and complete the following within 60 days of account opening:
- Make ten (10) or more debit card transactions (excluding ATM transactions), AND
- Have one (1) or more direct deposits totaling at least $250 (no DP’s for fakes yet)
There is a limit of $500 you can earn from referrals. Max this out by referring five friends.
Our Verdict
Feel free to discuss below. I’ve created a separate referral page. Be sure to follow the rules there carefully or your link will be removed. Do not share or request referrals in the comments below.
Thanks to Gadget – Bank Bonus Geek and ShawntheShawn for sharing this deal
Do not share your referrals in the comments below.
Can you reopen the referral page please, especially now that the referral bonus is back up to $100?
Thanks!
Can you reopen the referral page please, especially now that the referral bonus is back up to $100? Thank you!
No
Just out of curiosity, what drives when there is a referral page on DoC and whether comments are open or closed?
We usually create a page when an offer first goes live and sometimes will reopen it. Really depends how busy we are doing other things as moderating these threads creates a lot of work.
No means no. Yes means….?
Listen, Jack. No means no.
https://www.doctorofcredit.com/commenting-rules/
Is being a person in politics against the rules…? 🤔
Hi so I’m curious how does one get a referral if referrals aren’t allowed in the comments and there’s no page to post referrals?
There is an old page of them…
https://www.doctorofcredit.com/onpath-credit-union-referral-links/
Of course, there is no guarantees if they still all have their accounts, but it’s a pretty safe bet. Plenty of us have kept our accounts.
Bank Bonus Bodhisattva
I once stalked a bank’s Facebook followers. I was not successful.
I tried asking a few of their Instagram followers for a referral link when I first discovered OnPath. Not surprisingly I was reported as a spammer. I had to open mine without being referred.
ntn
Confessions of a bank bonus miner…
I used Reddit to find a Philadelphia thread where they talking about Franklin Mint CU, and DM’ed different people to get a referral for my P2 to use, as she had the better Chex numbers. Asked about 3-5 different Redditors until one gave me a referral link. But, alas, P2 ended up getting denied for the account. Not sure it was “identity”, footprint, or Chex that ruined the deal. Denial message was not detailed and wasn’t going to bother having her call, just said that the application was unable to “move forward“.
Surely you had maxed out your five OnPath referrals for that year you are speaking of, so nothing was lost by not getting referred. Not all offers are that way though.
I may or may not have once used the name and address of a Landmark CU Facebook page follower/commenter as my “aunt” to open accounts with them.
smart
So for OnPath, the reward you receive from being referred counts towards the yearly ReferLive bonus limit based on your experience? And it seems like this is not a universal rule from ReferLive but may vary by the bank?
Yes, it’s my belief that the initial referral bonus does count against your referral limit. I do recall getting a couple referral cards from ReferLive in the mail that were already deactivated… What a lovely surprise. I didn’t bother calling because I already believed they would say I was over the annual limit.
I cannot guarantee it’s a universal rule. 1st world problems.
That’s interesting. I’ve never received any extra rewards card from ReferLive or card that came deactivated.
Some users have them in their names if you click the links, otherwise just google it.
Sorry to bother you, but I don’t see any referral links that are newer than October 2024. Would likely try to get this bonus if there were newer referral links. (Perhaps it’s time to open the referrals page for new links?)
Old referral links work, as long as the person’s OnPath account is still open.
Opened out of state with referral, $1k fund over the phone day after applying. Chase aero
Can’t seem to get the debit card to link to Cash App for like three days in a row now. It might be velocity limits cause I had linked a couple different cards recently, but sheesh.
Anyone else have this problem?
Same here. I really don’t want to use PayPal because I want to keep my PayPal account. Thoughts?
ShawntheShawn👈🏾 
Tom 
Tom
I have a couple friends I help in this game and one of my parents. None of them have more than 3 accounts and have been using only paypal for well over a year now for the debits, no issues
ChurnNGo, it’s very kind that you help your friends and parents! They must be grateful to have you. Do they do PayPal penny 1-cent subscription or reload their PayPal balance? Thank you
ChurnNGo
How many PayPal debit loads do they average per month? Like
Jack, I am hesitant to do monthly loads on my PayPal account for fear of them shutting me down. My PayPal account is quite valuable to me, unlike my Robinhood and Cash App accounts.
Don’t know for the friends, not my business but at a minimum what they need for the monthly requirements. My parent, only activity in their PP account are the monthly onpath debits and withdrawing the money
Eric, seems like you and I are really risk averse and value our PayPal accounts. What’s the reason that you value your PayPal accounts? 😆
Eric 🔗
You getting the “if you tried linking another card recently…” error message?
I tried linking the card to OnePay app (just to see if there’s something wrong with the card) and it seemed to be fine, it’s just they have a $25 minimum transaction.
Yes I got that message too. I heard that some people use Chime to reload.
Artist Formerly Known as Jimmy
Okay yeah I considered Chime but just recently closed my account to set up a third churn attempt.
I got that message once before and a couple days later it started working, which leads me to think/ hope it might be velocity and resolve itself in a little time.
Thanks Artist. Please let me know here when it works for you again. I’ll let you know too. Let’s talk again in a few days
Jimmy
How often do you both change the linked debit card on your Cash App accounts? How many different debit cards to use in an average month?
About 3 days, because I do 5 reloads per day, and after 15 debit purchases, I swap to a new card. Eric, are you still not tempted to get more accounts?
Eric 🔗
I don’t recall ever saying that I’m not tempted to get more accounts. 😉
*Edit* to mention that my Cash App account is verified with relatively high limits. I was loading $5K at a time on the old Mercury offer.
Same here Artist. I had linked 2 other OnPath debit cards in the past 6 days. How many checking accounts do you have with OnPath?
Artist Formerly Known as Jimmy
I actually only have one OnPath checking account so far. None of the other cards I linked were OnPath, I actually just got that card in the mail a few days ago.
This is uniquely an OnPath and Cash App issues then probably. I just tried linking another CU’s debit card and it worked. Not sure if Tom has a different opinion
Artist Formerly Known as Jimmy
Wow, I was considering that but was hesitant to try linking yet another card as a test. Cash App’s error message is definitely not helpful, lol.
Have you tried to use your OnPath debit card before trying to add it to Cash App? If not, you should use it in-store 1st to make sure that it’s working properly.
I might have to do that.
Artist, I’m sure our OnPath debit cards work after activating. It’s really the Cash App may not gel with our OnPath debit cards well
Artist Formerly Known as Jimmy
Must be.. I just really hope that I don’t have to make actual purchases with this card, ugh.
I know some people go to supermarket self checkout to make real purchases….
Artist Formerly Known as Jimmy
Sounds good. Btw, have you heard of the movie Jack Reacher? There’s a quota when Sandy said, “You don’t look like a Jimmie” 😛
Artist Formerly Known as Jimmy
Thanks Artist. What tips do you have to make a 2nd Cash App account? Similar to what Tom said? I’ll probably do it as a backup.
Artist Formerly Known as Jimmy
It was really straightforward. I had used a phone number for the first account and this time used an email address. Just like @tom said.. nothing to it
Thanks Artist. I wonder if you slept last night 😛
Artist Formerly Known as Jimmy
Haha
Jack I went fishing so was up pretty late!
Let’s fish more bonuses too
For sure! Have you done the Varo referral $100 yet?
I did it before and probably can’t churn again… not sure
Artist Formerly Known as Jimmy
It’s a small one but I just signed up last night. They send a targeted offer for a DD match sometimes, so I’m going to do the referral bonus and hope for the better offer. Not sure if it’s churnable.
Good for you. The OnPath visa gift card referral should pay out in the mail pretty straightforward
I just tried to use my OnPath RL card to load PayPal and Chime and both failed. It looks like I will continue needing to do “real” purchases with it.
Thanks Eric. Maybe we should meet up at the grocery store’s self check out and high 5
Eric 🔗
Are you sure that having more than 1 personal Cash App account is allowed by their TOS?
I just binged it and found this article: https://www.lifeanswershq.com/how-many-cash-apps-can-you-have/.
This is the key line that I pulled from the article: “According to Cash App’s official policy, users are allowed to have one personal account and one business account.”
I have no idea if this person is correct but if they are, you could end up having both of your personal accounts closed at some point. I’m not sure that it’s worth the risk.
I would love to have multiple Cash App accounts so I could store multiple debit cards if you find somewhere on Cash App’s site that it’s allowed.
What’s your opinion on the matter?
I can attest to having Cashapp close multiple alternate accounts that I had. All of these accounts were created at the same time for debit card reloads, but as soon as I transferred or withdrew funds, the accounts got flagged and closed. The accounts were closed within a month or so after they were created. They allowed me to withdraw any remaining funds to my linked bank account. I tried to appeal and months later they just emailed me a generic denial to my appeal request stating that I violated their TOS. They didn’t close my main account though.
Thanks you megabr for sharing your DP. I guess do it at our own risk
megabr 🔗 
Artist Formerly Known as Jimmy
#1. By the “same time” do you mean that you literally opened several additional Cash App accounts on the same day?
#2. How long after you opened your “main account” did you open these additional accounts?
#3. Were you able to add debit cards that were linked to those closed accounts with your main account later on?
I saw your reply in my email but it doesn’t appear to be on the site. Did it end up in Spam?
Anyway, I only have 1 follow-up question to what you wrote. Since you apparently don’t do debit card loads, what do you use your Cash App “main account” for?
For reference, my main account was opened about six years before the alternates. I’ve never linked a debit card to my main account, and there’s been no activity connecting it to the alternates, which likely helped prevent it from being banned. I did, however, verify all the alternate accounts which was a mistake in hindsight.
I’m just curious, why did you link your Cash App accounts to each other to move out funds instead of just withdrawing the money to a linked bank account on each?
Eric, I think megabr
megabr 🔗 probably don’t want to link the same external bank accounts in more than 1 of the Cash App accounts, because Tom said that NOT to do that. Or megabr doesn’t wanna link a bank account at all. So megabr only use 1 Cash App account that links a bank account 
Eric 🔗
I probably could have linked a different bank account to each Cashapp account that I had.
I thought that doing the debit reloads and cashing out on a brand new account would flag it somehow so I created one account just to consolidate funds and transfer out (didn’t do any debit reloads on that one account) and it didn’t end up working out.
Thanks megabr for sharing your costly indicients.. I’m glad that they let you keep your primary account
megabr 🔗
That sucks. I should have just looked at making the second one a business account. Guess I have to hope that I fly under the radar. I’d have figured they’d have just told me no if it wasn’t allowed.
megabr 🔗 a
If you had opened a business account instead, are you sure that you would have been allowed to add personal debit cards to the account? Even if that was allowed by the system, I doubt that Cash App would be okay with that.
Yeah I’d be very careful not to have more than 1 Cash App account. It’s like having more than 1 Facebook or 1 Amazon accounts
Eric 🔗
I have 10 Amazon accounts… CS actually recommended opening an additional account at one point, for another free 6-month Prime student trial.
Pickle, how many Cash App accounts do you have? Btw, you really miss us while travelling. What’re your some airlines you like which fly in Europe? Thank you!
Pickle Rick🔗
I only have one Cash App account that I rarely use.
I’m actually on DoC about the same amount as usual. I’m traveling with the fam, and my pops has to take a lot of breaks because it’s soooo hot, so I have a lot of down time lol. I get all the emails from comments clearing moderation in the morning before we head out for the day. And when y’all get chatty back home in the AM, it’s evening here.
My favorite airlines are whatever’s cheapest, usually Ryanair or Iberia. We actually used Delta miles for a short flight in Air France biz, it was pretty dope. All the seats were wide and had good leg room, tablet holders, USB-C outlets, etc. For biz, the seats are the same size, but they block off every other seat, so you don’t have to sit next to anyone. And you get a relatively decent breakfast, compared to most crappy airline food.
Enjoy your vacation! You’re a good son to treat your pops well. What airline miles do you make an efforts to accumulate? Delta?
Pickle Rick🔗
Nah, I’m not a fan of SkyPesos. I love flying Delta, but their awards program is trash tier. Dad had the miles for that flight.
Since I’m based near an AA hub, and AA loyalty points are fairly easy to accumulate for status, AAdvantage miles are a no-brainer for me.
Thanks Pickle. What tips do you have to get approved for Citi AA credit card? I’m over 6/24 and can’t get Barclays… Now only Citi ThankYou points can be transferred to AA, making it harder to earn
Pickle Rick🔗
I don’t really have any tips for getting approved… I’ve had my Citi AA Plat Select for ages. There actually wasn’t an AA transfer partner until the recent ThankYou pts addition, so it actually got easier to earn. The great thing is every base mile earn one loyalty pt, so you get can easily get AA/oneworld status through CC spend and the shopping/dining portals without a single flight.
If you do get approved, the card is good workhorse for account funding. It’s an MC, and it has also worked for every MeridianLink/LoansPQ app I’ve come across. The downfall is you can’t disable CAs, and the Citi AA-branded cards have a $750 minimum CA limit allowed.
It’s possible that Amazon allows more than 1 account per person as I’ve never binged it. However, I can’t imagine that they allow people to use a promo (eg 40% off) on multiple accounts. However, many on here still do that anyway.
BTW, you and I are in a very small minority of risk-averse DoC readers. We should start a club and call it the “DoC Risk-Averse Readers Club”. 😀
For example, before I created a 2nd Gmail account, I made sure that it was allowed by doing a search. It turns out that Google does allow multiple Gmail accounts per person but they only allow you to use Drive for 1 account. Were you aware of that?
Thanks Eric. I didn’t know that you’re risk adverse too. I think DoC should have a Minority Report like the Tom Cruise’s movie 😀. Oh I didn’t know that Google only allow you to have 1 Google Drive only. Maybe you can try to use DropBox or Microsoft OneDrive too
Eric 🔗
I enjoyed that movie!
I do use OneDrive for additional storage. 😉
Yes Eric. Real life DC is not that different from what was showed in that movie. Good choice on OneDrive
Eric 🔗
Why didn’t you just use a 2nd email address instead of a phone #?
Don’t understand the question. My first account uses my phone number, the second uses an email address.
There’s a good reason that you didn’t understand my question. I misread your initial comment. 😉
Eric, do you have a second Cash App account? What info did you have to provide?
Eric 🔗
No, I don’t.
Does that mean that you have now have 3 7% accounts?
Yes Eric. I usually dip my toes into the water first and don’t move too fast. But you do you, no need to be tempted
Eric 🔗
I think that you should reread my previous comment, more carefully this time. 😉
Some guy below claims to have like 5 accounts and do all his transactions every month in 2 minutes flat.
I don’t like abusing PayPal for 2 minutes every month….
Artist Formerly Known as Jimmy
Who are you referring to that has 5 accounts? I believe that @
Tom or 
Tom has mentioned having a total of 20 OnPath accounts so 5 is no big deal.
I was surprised that
Jack has 3+ accounts only because he seems quite risk-averse, possibly even more so than I am.
I didn’t want to dig for the comment, so I said five as a conservative estimate, lol. The part I found interesting was being able to do 15 transactions on all of the accounts in two minutes a month. I’m having a tough time getting it done on one account. It’s taking a lot more than two minutes.
IMO, it’s risky to do multiple loads (especially 5+) in the same day. However, since risky behavior seems to be your cup of tea, I get it. 😉
I created a second cash app account and now risky behavior is my cup of tea? That’s kinda funny bro.
I’m glad that you found it funny as I wasn’t being entirely serious, hence the 😉 at the end of my comment. 😀
It’s just that I’m actually very risk averse and I’m not sure where I came across as being otherwise. Bank bonuses are about as low risk as it gets.
Your definition of “risk-averse” must be very different than mine. Like I told
Jack, before creating additional accounts for sites, I almost always research to make sure that it’s allowed before proceeding.
I’ve seen “someone” mention that they would rather ask for forgiveness than permission. That is certainly not me.
I try to follow the rules for the most part. By creating a 2nd Cash App account without 1st finding out if it’s allowed, you took a risk.
That is what I meant by “risky behavior”. I wasn’t trying to imply that you ride motorcycles or go sky diving every day.
FYI, if you do those things, good for you! I try not to judge people unless they are dishonest, mean and/or unfair to others. I feel that you and I get along fairly well on this site so I hope that I didn’t offend you with my replies as that wasn’t my intention.
Thanks Eric, but no you did not offend me at all so don’t worry about that.
I see where you’re coming from, but I didn’t think it was a risk at all when I did it. Tom said it was possible, so I just took his word and went for it. Cash app is very helpful for churning of course, so it was a bit of a risk in hindsight.
BTW, it’s been fine so far, I was able to make the 15 debit transactions and the money is otw to an external bank account.
I think the trick is to just not link the same debit card or bank account.
Do you pull money from Cash App using your external account or do you push funds out of Cash App to your external account? I’m thinking that the former is safer but I’m not sure.
Tom also said that not to link the same external bank accounts at the same time. I’m risk averse so I def wear protection. I’m not ready to be a dad yet
Eric 🔗
Eric, that’s why I only do 5 reloads on Cash App per day
Eric 🔗
FYI, 5 is part of “5+”. 😉
Yes Eric, you I’m very risk averse and likely more paraloid than you. I will def not use Wells Fargo for my main checking account
Eric 🔗
What does using WFB as your main account have to do with being risk averse and/or paranoid?
Because they may open free accounts for you
Eric 🔗
I think I get what you mean now. You are referring to how WFB got in trouble for opening people’s accounts without their consent.
I don’t use it as my main account for a different reason. If I did that, I wouldn’t be able to churn their bonuses so often. 😉
Yes Eric, I have to think a long time before even opening an account with WF!
Eric 🔗
I guess that you win the risk-averse contest then as I don’t think twice before accepting more of WFB’s money. 😀
So in the 1st 8 days of this month, you’ve already changed your linked debit card at least 3 times?
1 debit card every 3 days since I do 5 reloads per day @
Eric 🔗
Aren’t you worried that doing more than 1 reload per day from the same debit card will spook the FI and/or Cash App?
I do 5 reloads per day. More than that there may be some fraud alerts
Eric 🔗
Maybe Cash App has a velocity limit of changing cards.
I didn’t realize that Cash App has different load limits for different people. How/where do I view my limits?
If you click on your profile pic, you should see a tab tha says limits.
I’m not sure what you mean by “profile pic”. Can you direct me to where you see that option? BTW, I use the website and not the app in case that matters.
I just checked my limits on the app and they are a lot higher than I ever expect to need.
Sounds good, I’ll keep you posted. Thanks Jack!
You can have 2 Cash App accounts. Use email for one and phone number for two. Just don’t link the same card or bank to both accounts at the same time.
And you’re right, it’s probably velocity limits. 1 of my cash apps has that error now. It will probably clear up in a few days or a week *without* any more attempted card adds.
I have the same issues with Venmo, Chime, and Current. OnePay has been the best. Links multiple cards and has $1000/month limit so it can handle 5 $200 cash back account transactions.
Paypal savings reloads would be even better. But I’m banned (they didn’t like my fake business account)😭.
Thanks Tom for sharing about having 2 Cash App accounts. What’s the min. amount for OnePay to reload? Is it really $20 at a time? I just want to do $1 for my HY account.
Tom 
Tom
You can also use Robinhood for debit card reloads. 5 deposits is the daily limit so you can satisfy the requirements in 3 days.
Thanks but it’s Robinhood…. I don’t necessarily like them like Wells Fargo …
megabr 🔗
Yeah I closed my Robinhood account out of spite when they halted trading on all those stocks that one day..
Yeah I never liked these accounts like Acorns or Robinhood or M1…. Fidelity and Schwab and Vanguard can just do the same thing
Artist Formerly Known as Jimmy
Yeah they can do even more probably, and with much better customer service. Robinhood really does have a kick-ass user interface though.
What do you have against Robinhood?
Some people like online dating. Some people like meeting in real life. I don’t like Robinhood or Moomoo
Eric 🔗
I am definitely tempted to do Robinhood loads as I have basically no use for that account if they were to shut me down. Do you need to use the app or does it work on the website?
How many cards do use for loads and how many total loads do you average per month?
I usually do it on the app in 1.xx increments. I do 5 loads a day (their daily limit) x 3 days. I use the same debit card on Robinhood (you can only link 1 card) so that takes care of the requirements of 1 of the HY accounts. I once tried unlinking my debit card on Robinhood and link a different one and it wouldn’t let me add any cards for what seemed like weeks, so I just stick to the one card on RH.
I use 2 cards for loads, on Robinhood and Chime. I do small utility transactions with my other cards to fulfill the 15x requirement.
If you don’t want to do penny payment subscriptions. Id recommend loading PayPal savings 15 times, 5 a day. I’m not sure what the minimum is.
I’ll keep that in mind. Thanks Tom!
Tom, do you think that this is a uniquely OnPath problem? Because I just linked another CU’s debit card without seeing that error message on Cash App.
I’m thinking it could just be coincidental personally. I just double checked and this is the fourth card I’ve tried linking since the 31st. The restriction lifted pretty quickly when I got the message with the third card. You might have just experienced what I did – in the morning it was locked and by afternoon, I could link another card. This time (4th card) it’s been a few days so far.
It could also be something cash app doesn’t like about our OnPath cards though. Head scratcher.
Artist, what other High Yield savings accounts do you use? Since you link many debit cards, I assume you do it to meet the activity requirements. Thanks for sharing!
Artist Formerly Known as Jimmy
Fidelity has what’s called a cash sweep and is good for this, many other brokerages don’t work the same way.
I have a few high yield savings accounts open (laurel and ally) but don’t keep much in them at all. So far, I haven’t put the effort in to see if I could do better on accounts with activity req’s.
As for the recently linked cards, it was just a fluke. I was basically just trying to consolidate some money from accounts I’m not using (current, netspend, etc.) or closing, without waiting on ACH transfers.
Thanks Artist for letting me know. I sometimes use Cash App to cash out the remaining $1 in a debit card too.
Artist Formerly Known as Jimmy
They probably now don’t like people like us swaping cards too quickly and frequently for safety reason.
Wow you sound sophisticated with the stocks and options stuff. Most people may just do the boring set in and forget it index funds
Honestly those people will probably outperform me too, but it’s still something I enjoy. Another key difference is that I’m more likely to avoid prolonged large downturns with my strategy. I’m hoping to buy a farm, so I wanted to stay more liquid and not be stuck in index funds waiting for a market recovery. Of course, in hindsight, that bull market has just kept on ripping.
It’s interesting that you want to farm. I hope that one day we’ll see you on farmers only dot com.
Artist Formerly Known as Jimmy
Are you aware that Hustl has a 5% account with no requirements?
Yeah thanks, I didn’t realize having two Cash App accounts is possible.
Jack OnePay has a $25 minimum for me.
Years. Just don’t link the same debit card to both or the same bank to both at the same time. I wouldn’t try sending money between them either. Try not to swap debit cards too quick, too often. And supposedly I have heard they don’t like you to deposit money and quickly withdraw it, but I have nearly every month. I even went high risk a few days ago and opened a 3rd with a different email.
I believe they say you’re allowed 2 accounts, one personal and one business
Cool, thanks. Sounds like the part you said about not linking the same cards or accounts is key.
I’m assuming you wouldn’t be able to have two personal accounts verified at once either.
Looks like I’ve only verified 1 account. The other two are not. But seems like all three have $20,000 add limits per week, $25,000 withdraw per week.
Also seems the two accounts I have had for years, one has a middle name the other is just first last. Maybe that helped avoid getting flagged. 🤷♂️
Thanks both Tom for sharing and Artist for asking Tom this question. I wish you all the best Tom with your accounts
Tom 
Artist Formerly Known as Jimmy
Could be. I didn’t even think to do that. I know they ask for the last 4 digits of our SSN. Wonder what that has to do with it also.
Maybe use an EIN for your “business” account instead of SSN. Not sure. You have a “farming business”. Phone number farming 👧 👩 in person maybe because farmers only dot com is too competitive.
Artist Formerly Known as Jimmy
Lol the competition is fierce @
Jack
Yes Artist. I hope that you’re not a young man. I just read a Bloomberg article that young men are more likely to be unemployed than young women. Soon they will complain there’re no good men left. https://archive.ph/FpRf6
Artist Formerly Known as Jimmy
I’m posting this non-paywall link
Ok… go where you’re treated best. Go where you’re celebrated not tolerated. There’re many foreign talents out there!
Artist Formerly Known as Jimmy
@Jack Where should I go to find these foreign talents? That sounds like fun
Maybe get a passport first. I’m not a “brother” though
Artist Formerly Known as Jimmy
Of course I have a passport
Jack.. I don’t understand the brother comment.
That’s interesting that Cash App only had you enter the last 4 digits of your SSN. When did you open it?
The reason I ask is because I needed to enter my entire SSN when I signed up for my account.
I opened it a few days ago and I’m fairly certain they didn’t ask for my entire SSN, just the last for digits, name, and email.
What does “verified” mean in this case? What features aren’t you able to use if the Cash App account is left “unverified”?
You can verify through the mobile app. They confirm your identity with identification. It gives you higher limits and decreases the likelihood your account might be flagged. Not sure why I did it in the first place, but I know I figured it wouldn’t hurt.
Verified in Cash App means that you scan your photo ID. So that they know that you ain’t a bot or up to no good
Eric 🔗
FYI, I didn’t see this comment until now. This must be the comment where you got the idea to open 2 Cash App accounts from.
For the past several days, I’ve only viewed the “New Reply” emails to me so that’s why I didn’t see it until now. There are much less of those so when I am in a crunch for time, I view those only. 😉
I just noticed Tom said he went high risk and opened a 3rd account. I wonder if that’s in addition to his business account and two others, lol.
I think I upset Jack assuming he’s a brother, not sure what to think of that. Oops
No no Artist you didn’t upset me. I’m not a brother or “brother”
Artist Formerly Known as Jimmy
Okay @jack that’s good I wasn’t trying to offend you.
It’s ok. I’m glad that I didn’t offend you with a Jack Reacher quote, “you don’t look like a Jimmy”
Artist Formerly Known as Jimmy
Lol the avatar is not actually me, so there’s a chance I might actually look like a Jimmy. I don’t really look like Prince though 😂
Jack
It’s ok as long as you don’t look like Prince Harry
Artist Formerly Known as Jimmy
That I do not
Jack
I’d like to add that my avatar is not actually me either, in case anyone was wondering… I don’t really look like a cartoon pickle…
I opened my second Rewards High Yield checking (with second Share account) with the referral from Gadget 🙂 I got my first account and Referlive bonus in 2023. Do I have a chance to make another bonus? I see on my Referlive this new account is handing as Current offer. Anyone got several bonuses from them?
I was going to make another login for it, but my second accounts were added to my first login. Can it make a problem with login and e-staetment requirement? Anyone having several accounts under one login with doing qualification for all of them guys?
Another question I have now – what to use for $250 direct deposit. Please give me any suggestions. I am not receiving any payroll now.
Welcome back again Racoonzel. ReferLive is likely once in a lifetime….
Have you heard of Amex shutting down people’s accounts, people they use their own referrals?
I wouldn’t do that to OnPath…. That’s like gaming and abusing them.
Yes, to be safe, make a seperate login for your new account. Log in that account once a month for the high yield requirement. And that’s the only way you can turn on e-statement.
Right now if you call or DM them to turn on e-statement, they would likely ask you to make a seperate login to do it yourself.
Don’t count on having multiple accounts in the same log in. You may still want to log in separately once a month in case their tech doesn’t detect your login activity….
It seems like any type of ACH transfer would work for the Referlive bonus. But again, I highly doubt that you can earn that more than once….
Racoonzel
Even if you can, I wouldn’t do that to OnPath for fear that they shut down all your accounts.
They now show all debit cards on the same login. Probably fixed the online login issues that CSR was mislead last month
Pickle Rick🔗 
ShawntheShawn👈🏾 
Tom
NICE! Steps in the right direction, hehe, OnPath if you will.
Wonder what’s taking them so long with the external transfers.
Conspiracy theory, they don’t want people to pull out money like Silicon Valley Bank. They need cash to lend loans
Do they not have external accounts transfers? I see it on Pay->Transfers->More actions->Add account
Ok I tried it, added external account, but transfer doesn’t work.
How have you been,Racoonzel? You have to earn those high yield rewards to feed your 2 racoons.
Racoonzel
There were some chatters that OnPath’s external transfers don’t work.
But pulling from an external hub should work.
https://www.doctorofcredit.com/onpath-credit-union-kasasa-checking-100-referral-for-each-plus-7-on-up-to-10000/#comment-2102123
https://www.doctorofcredit.com/onpath-credit-union-kasasa-checking-100-referral-for-each-plus-7-on-up-to-10000/#comment-2091292
Cool! I wonder if other people suggested it too.
Me and
mothman69 just discovered that the old visa debit cards are not deactivated when the new MasterCards are activated. Make sure to ask OnPath to deactivate the old Visa’s and/or cancel any subscriptions / automatic payments you have on them
Tom, I have empathy for you. Gadget received this flyer inside his MC Visa card about deactivation of the Visa debit cards
Tom 
Tom
https://www.doctorofcredit.com/onpath-credit-union-kasasa-checking-100-referral-for-each-plus-7-on-up-to-10000/#comment-2113015
Anyone else finding it impossible to move money out your OnPath accounts? I added external accounts and they are saying that transfers to external accounts are down and that they are working to fix it. I tried Zelle and kept getting reject so I reached out and they said that they are working to fix Zelle email tokens or something…
Any ideas before I head to the CFPB?
If you are just trying to remove the $57 of interest, you could just pull it using the debit card with things like Cash App or PayPal.
If you are trying to remove larger sums, you should use an external bank or brokerage and then pull the funds via ACH/external transfer.
External transfers (in OnPath online banking) have been down for over a month. Search the comments for our conversations.
Zelle is working fine for me on all of my accounts. They did have an issue with email tokens right after the merger, but that has since been resolved. If you were able to register your email with Zelle, and you’re getting rejections when sending, then it’s not an email token issue.
Like Gadget said, there are also other ways to pull funds out. There’s no need to CFPB here.
Easy there Paul. Don’t CFPB something that they already told you about. There’s a yellow banner
How does one use paypal/cashapp loads from their OnPath debit card to earn 7% every month? Do you make them in different amounts each time at the first of the month or do you split the transactions up across a few days? I’m concerned about the frequency being flagged and ultimately shut down as a result.
I do 3-4 a day and do them 4 or 5 days apart. That spreads them out so it doesn’t get flagged as fraud.
Tom MacDonald, how many accounts do you have in total? High Yield + Cash back. Thanks
Tom MacDonald
I have 2 of the 7% checking. One for P1 and other for P2. One of ours uses a Visa and the other was issued MC.
When did they send MC?
July they sent the MC because months ago there was a fraud charge on the old Visa one.
Thank you! Still waiting for mine..
I didn’t get interest for my two newest accounts with the new mastercard debit cards. Did get them for all my Visa accounts. Used the penny paypal subscription for all of them, but it looked to have coded as “recurring payment” for my Mastercard debit cards and i wonder if that is the reason.
Fingers crossed that it’s just another round of buggy qualification with estatements/login requirements being messed up for the new accounts.
I received interest for accounts with both Visa and MC. I don’t use a penny paypal subscription though. I do manual debits thru out the month.
I received interest on all of my High Yield accounts. I used PayPal penny subs, and they coded as “Recurring Withdr”.
I also received the $10 reward on my Cash Back account using 14 penny subs and one $199.86 PayPal savings load.
thanks! reassuring it’s likely just the third time onpath screwed up. are some of your accounts mastercard debit ones?
They’re all MCs. I had my cards upgraded early.
I did create logins and set up eStatements for all of my memberships. I also did log into all of them last month.
Hi Pickle. I thought you’re travelling now…. Enjoy… Be present. Maybe no need to hang out here for a few days. Thanks for sharing your DPs
Pickle Rick🔗 ck
I’m actually hitting up a couple banks on a layover right now. 🤣
Interesting…. I hope that the bankers don’t ask you about your luggage…. Which city are you laying over? Have you thought about doing Citi business checking?
Pickle Rick🔗
I’m in DFW, applying near the airport. I told them I was flying out later and we chatted about my trip. Helps to distract them from scrutinizing my Chex report.
There’s no Citi here anymore unfortunately.
Safe flight Pickle. All the best to getting accounts approved. I hope that you can travel to Europe more often, especially now no international tourists in the right mind would want to visit here!
Pickle Rick🔗
I don’t believe there’s any way to cancel the subscriptions (checking out as a “guest”). Email says “To change or cancel your automatic payment, contact Client Adder LLC.” lol, I’m sure
mothman69 isn’t going take on the task of managing everyone’s payments.
Curious to know what happens. I’ll find out myself in about 8days.
I have two PayPal accounts, so I just added all the cards to my secondary account and I can just switch/cancel the subscriptions there.
You should get an email when you check out as a guest. I believe that email has a link that you can use to manage the subscription too.
I’ve never tried subscriptions as a guest, but I don’t think there’s a way to cancel without either contacting PayPal or the merchant.
If someone here has that issue, I’m willing to cancel them if asked nicely.
There is a way to cancel them on paypay, i did it before. You have to click around to find it. I will check tomorrow…
Probably: https://www.paypal.com/myaccount/autopay/
But,
Tom, in the comment chain said by checking out as a “guest”, they don’t see it?
I would assume OnPath disabled the debit cards once the new one was activated anyway.
Yes you can cancel them from within PayPal if you signed up for the subscriptions while logged in. We were referring to cancelling subscriptions made as a guest (not signed into PayPal), which is not possible as far as I know without manual intervention.
The old visa debit cards *should* deactivate when the new cards are activated. I imagine all the old paypal subs will just fail. The only annoyance will be if I get 300 emails telling me they failed every month. I should be able to set up a email filter / auto delete on them though so not a huge deal.
But I’ll email you
mothman69 15 of the Subscription Profile IDs for 1 card. See how much of a hassle it will be for you. I don’t want to burden you will all 300. (I don’t have all the new cards yet either).
Be careful, when one payment method fails, Paypal may switch to another linked card or bank account. Paypal is notorious for doing this. Take it into your own hands by cancelling the subscription.
Tom.
My PayPal account has been banned for almost a year now, so they shouldn’t process anything with my real account either. My subscriptions are all “guests checkouts” with a different email not linked to my banned PayPal.
I have no way to cancel the subscriptions myself. @mothman69 has been courteous to cancel 15 subscriptions for me so far and is willing to do more if needed. But I have A LOT (240) left. I’m not sure if it’s worth the effort to cancel them.
Watch out for Jack on your comments. He started stalking and harassing me when I mentioned I had around 100 of these subscriptions
@Tom I had this happen back in July when OnPath’s “systems” were down for a day. I got 5 emails from PayPal saying the subscription payments failed and PayPal automatically used a backup method.. so that’s annoying.. I guess PayPal will charge 300 automatically to backup method. I haven’t looked into it much yet.. would I need to manually turn off backoff method on all subscriptions or if there one button to do it?
For anyone watching this thread, I tried using my old Visa debit card and the PayPal penny transaction went through just fine even though I received and activated the MasterCard debit card associated with the same account.
So it appears as though the old Visa cards stay active alongside the new MasterCard cards (for how long I don’t know??). That means if you set up new subscriptions with the MasterCard and do not cancel the subscriptions with the Visa, your account will be debited 2x.
Alternatively, you could also go through each subscription and change the payment method to the new MasterCard.
I just received my Mastercard yesterday. Inside the envelope was a Welcome brochure that said:
Important: Your existing Debit Visa Card is scheduled to be deactivated soon ((found on back cover) even if it still has a valid expiration date)
That “scheduled” word implies it will done in waives, or all at once in the future, and I was wrong in thinking that they will deactivate the Visa as soon as you activate the new Mastercard.
As Shawn said too, good idea to get the PayPal penny debits cancelled as they might push the charges onto an unintended bystander credit or debit card in you PP “wallet”. It’s not nice when that happens.
You actually read the stuff that comes with the card? Ain’t nobody got time for that 😆
Can you please explain the penny subs? I do cash app reloads so far, I also didn’t get interest on 2 of my accounts, I opened both last month. I also noticed both coded as “Withdrawal.” I would very much love to automate the process.
You need to use someone’s PayPal subscription that charges you a penny once a month. mothman has one, and there’s a thread here somewhere with others.
Sign up for the subscription 15 times. I do 5 per day for 3 days to avoid fraud block triggers.
Same here.
I didn’t either. Both accounts are very new and didn’t qualify for full rate lastb month. One I opened early this month.
Did you get at $2 statement fee? I’m going to guess it has something to do with estatements. For now on I’m going to create new logins for new accounts and make sure I turn on estatements for them myself.
I received all 10/10 interest accounts and 10/10 cash back accounts. Mixed between Visa and MasterCard. All had 15 penny payments. And $200 cashapp, chime, one pay, current, venmo reloads for cash back accounts.
Tom, you should be fine with seperate login. Just do Tom1, Tom2, Tom3… something like that. I did not get $2 statement fee after creating separate logins and turning on inside
Tom 
Tom
Yep got them all organized with HY1 – HY10, CB1 – CB10 in the login and on the debit cards.
Tom, do you have any plans to open more? Do you foresee that one day they may not let you keep so many accounts? Thanks for sharing
Tom 
Tom
Yep I plan to keep opening more as needed until they limit it or lower the interest where it would be better to go elsewhere. But for now I’m really enjoying the ride.
You can freeze your chex right after the first pull.
I’ve opened 3 accounts since the merger with Chex frozen.
If it’s your very first account they will likely want to pull chex. But if it’s additional accounts, just apply with chex frozen and usually they won’t even say anything.
I always do 1share+1checking per application to get $1000cc funding per application. I’ll submit multiple applications at the same time though.
Hello, I closed my account in 2024. Am I eligible to open through referral in 2025 to get $150 visa card now?
There is nothing in the terms about churning rules, so I’d assume there are none. If it was me, I’d go for it, without asking OnPath, as reps at most banks are horrible at answering questions about promotions.
Peter
Terms: https://www.beonpath.org/refer-a-friend
Thanks. Very true, trying never hurts.:)
Can confirm they pay out again quickly I closed it on 10/2024 and opened again 2/25 and got the Visa card again