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On-Campus Students, Online Classes: What Are They Actually Paying For?


Students who enroll, pay housing fees, and physically live on campus are increasingly being funneled into online classes — raising a question about whether the on-campus price tag still buys an on-campus education.

A CalMatters investigation found that roughly 40% of all California community college classes are now online, even though most campuses fully reopened years ago. The majority are asynchronous, meaning pre-recorded online lectures with no live instruction. Allegedly, some recordings at San Joaquin Delta College are more than a decade old.

The pattern is not limited to two-year schools. The University of California and California State University systems are offering significantly more online courses than they did before the pandemic, and four-year campuses including San Diego State continue to schedule hybrid sections (one day in class, one day online) for core undergraduate courses.

Here’s an example from a Fall 2026 course listing for Econ 101 at SDSU. What’s interesting about SDSU is that students are required to live on campus for their first year if they’re not located in the service area, while still potentially taking online classes. This is more frustrating as students are required to pay fees associated with this, but don’t get the in-person experience. 

Econ 101 Listing for Fall 2026 at SDSU

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By The Numbers

  • 40%: share of California community college classes offered online
  • 2 million+: students in the California Community Colleges system, the largest higher-ed system in the country
  • 4 of 4: French classes Sacramento City College scheduled for fall 2026, all fully online and asynchronous
  • Worse outcomes: a 2025 study found students consistently perform worse in online courses than in-person ones, though the gap is narrowing
  • Majority of faculty who had taught at least one online course still preferred in-person instruction, per a 2024 RP Group survey

Incentives And Potential Fraud

Community colleges are funded largely based on enrollment, and students prefer online classes (particularly asynchronous ones) according to the system’s own research. That creates a direct financial incentive for campuses to expand virtual offerings, even when in-person sections fill faster or produce better learning outcomes. 

However, online classrooms where most cameras stay off have also created a financial aid fraud crisis. AI bots and scammers are enrolling as fake students, submitting AI-generated assignments, and siphoning federal aid out of California’s community college system — a problem campuses have publicly acknowledged but not fully solved.

How This Connects

The College Investor has tracked the climbing cost of college, now averaging $29,910 a year at four-year schools and $20,570 at two-year schools. Tuition is up 914% since 1983, per J.P. Morgan, and the typical four-year graduate doesn’t financially break even on the degree until age 34.

That math gets harder when students pay for housing, fees, and the residential experience but receive a recorded lecture from 2013. With nearly 50% of community college students borrowing, the question facing students and families is no longer just how much college costs, but what the money is actually buying.

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The post On-Campus Students, Online Classes: What Are They Actually Paying For? appeared first on The College Investor.

REMIC share grows at Ginnie Mae, Fannie Mae and Freddie Mac


Global interest appears to be fueling a notable pickup in issuance of real estate mortgage investment conduit securities at Ginnie Mae, Freddie Mac and Fannie Mae, according to a new report.

Processing Content

REMICs made up $80 billion or 40% of Ginnie Mae single-family mortgage-backed securities issuance year-to-date in April. In addition, financial disclosures show broader agency REMIC issuance was at its highest point in at least two years in March.

During that month, single- and multifamily REMIC issuance combined accounted for $24.36 billion at Ginnie, $19.54 billion at Freddie and $13.64 billion at Fannie, bringing the total for all three agencies to more than $57 billion. Monthly totals generally run well under $50 billion.

The trend partially reflects international investor demand, which represents roughly 20% of the buyers investing in Ginnie Mae’s MBS.

“Many overseas investors seek high-quality U.S. dollar-denominated assets but may not desire the full duration and convexity exposure associated with traditional 30-year pass-through securities,” according to Ginnie Mae’s Global Markets Analysis report.

REMICs allow the cash-flows from collateral home loans to be carved up into tranches that have different maturities, rates and payment structures. 

This helps extend the investor base not only to investors outside the United States but more generally to a variety of buyers globally, including depository institutions, insurers and hedge funds.

Regulatory change may be a factor

One trend that could further grow REMIC interest is careful relaxation of regulatory rigor instilled following the Great Financial Crisis overseas.

Ginnie Mae securitizations already have very low risk weightings under capital rules undergoing revision in the United States, but some countries have taken a more cautious approach that’s currently under review.

Ginnie’s report points to efforts to modernize Europe’s 2016 regulatory framework for insurers, which it said, “indicates a willingness to recognize structural protections in securitizations that should improve capital requirements on agency REMICs over time.”



Bilt Reportedly Increasing Credit Limits for Many Cardholders


Bilt Increasing Credit Limits for Many Cardholders

Many Bilt cardholders are reporting automatic credit limit increases this morning. Cardholders have received emails showing substantial bumps. Many Bilt Palladium cardholders are seeing limits increase from $15,00, $20,000 or $35,000 to $50,000.

The emails note that rent and mortgage payments do not use the card’s credit line, giving cardholders more available spending capacity for everyday purchases. Bilt’s newer Cardless-issued lineup includes the premium Bilt Palladium card alongside the Obsidian and Blue cards. I’m not sure if Blue and Obsidian cardholders are getting the same credit limit bump.

If you have a Bilt card, it may be worth checking your email and the Bilt app to see if you received an increase.

Guru’s Wrap-up

Free credit limit increases are one of the few emails people actually like getting. Lower utilization and more spending room is always a nice combo. Also keep in mind that Bilt Rent Day is tomorrow.

Special ops commander says we must be sure AI ‘is going to deliver violence only where we intend it’



Adm. Frank Bradley, head of U.S. Special Operations Command, told attendees of a recent annual special forces conference in Tampa, Florida, that troops “have to be very careful about how we come to (AI’s) employment and its inspiration into the delivery of lethality.”

Bradley said he can see a future where AI determines what targets to hit but that “we, as humans, have to have the confidence that … it’s going to deliver violence only where we intend it to be delivered.”

The remarks from Bradley, who oversees the units that handle the military’s most difficult and dangerous operations, about the need to ensure safeguards come as his boss, Defense Secretary Pete Hegseth, is pushing to rapidly evolve the military through AI. It is a push that has led to clashes with some tech companies worried about safety measures.

Hegseth has insisted that the Pentagon be allowed to use the technology any legal way it sees fit. He told an audience of SpaceX employees in January he would reject any AI models “that won’t allow you to fight wars” and that his vision for the technology was systems that operate “without ideological constraints that limit lawful military applications.”

AI’s use in the military is part of the Republican administration’s larger push to grow the capability it sees as a unique American advantage even as it faces pressure to ensure responsible safeguards.

President Donald Trump abruptly called off plans to sign a new AI executive order hours before an expected White House ceremony over concerns the measure could dull America’s edge on AI technology.

“We’re leading China, we’re leading everybody, and I don’t want to do anything that’s going to get in the way of that lead,” Trump told reporters.

Two differing AI worlds within the military

When asked about Bradley’s remarks, a Pentagon official said efforts are focused on using AI to create “functional battlefield tools” that can help troops come up with and identify targets more quickly and, as a result, speed up strikes on those targets. The official spoke on condition of anonymity to offer more candid remarks.

Officials at U.S. Special Operations Command talked about AI not as something that will help eliminate targets but rather as a tool that can offer troops more time to focus on their mission.

Sgt. Maj. Andrew Krogman, the top enlisted official for U.S. Special Operations Command, said at the conference that he sees AI handling administrative tasks to free up operators or helping modernize how the command does business.

Melissa Johnson, the top acquisition official for the command, said AI should be “reducing the cognitive workload on mundane tasks.”

“We’re leveraging AI more and more, but it’s not to replace operator judgment, it’s to enhance it,” she added.

Helen Toner, interim executive director at Georgetown University’s Center for Security and Emerging Technology, said those differing descriptions about AI in the military are both true.

“There are a huge number of potential uses for AI in these kinds of bureaucratic settings, which the U.S. military is actively exploring,” Toner said.

Lt. Gen. Michael Conley, head of Air Force Special Operations Command, told a congressional committee in May that his troops used AI “bots” to convert top secret intelligence down to a secret classification within seconds to make it easier to share with drone operators on the ground during the Iran war.

However, there is no doubt that AI also is helping the military find and strike targets.

The center that Toner oversees published a case study two years ago on how the Army’s 18th Airborne Corps used AI to target artillery strikes “just as efficiently as the best unit in recent American history” and with 2,000 fewer service members.

“Human operators are still the ones making crucial decisions, but AI … is making it possible to operate with a new level of speed and scale,” she said.

AI safety has created a public dispute between the Pentagon and Anthropic

The clash over the integration of AI into the military, who ultimately controls the technology and the ethics behind its use has played out in unusually public fashion during the Trump administration.

Hegseth and Anthropic are embroiled in a bitter contract dispute over the company’s concerns about unchecked government use of its technology, including the dangers of fully autonomous armed drones and of AI-assisted mass surveillance that could track dissent.

After CEO Dario Amodei refused to back down over concerns about how the chatbot Claude is used in classified Pentagon networks, both Trump and Hegseth accused Anthropic of endangering national security.

The Pentagon formally labeled the San Francisco-based company a supply chain risk — ending its $200 million defense contract and prohibited other government contractors from working with the company.

Anthropic sued, claiming the Pentagon is illegally retaliating by stigmatizing the company with a designation meant to protect against sabotage of national security systems by foreign adversaries. The Pentagon has since emphasized its turn to Anthropic rivals — including Google, OpenAI and SpaceX — to secure AI technology that can “augment warfighter decision-making in complex operational environments.”

Toner, a former OpenAI board member ousted after a clash with CEO Sam Altman, said “the general public often seems to underestimate the caution with which the U.S. military approaches new technologies.”

“Commanders want their missions to succeed, which means both being able to create lethal effects at scale, and avoiding unintended effects like friendly fire, civilian casualties, or simply identifying targets incorrectly,” she said.The Trump administration is pushing to unleash the power of artificial intelligence for the U.S. military while facing calls to put up guardrails around the rapidly developing technology from some companies — and even notes of caution from top leaders in uniform.

Adm. Frank Bradley, head of U.S. Special Operations Command, told attendees of a recent annual special forces conference in Tampa, Florida, that troops “have to be very careful about how we come to (AI’s) employment and its inspiration into the delivery of lethality.”

Bradley said he can see a future where AI determines what targets to hit but that “we, as humans, have to have the confidence that … it’s going to deliver violence only where we intend it to be delivered.”

The remarks from Bradley, who oversees the units that handle the military’s most difficult and dangerous operations, about the need to ensure safeguards come as his boss, Defense Secretary Pete Hegseth, is pushing to rapidly evolve the military through AI. It is a push that has led to clashes with some tech companies worried about safety measures.

Hegseth has insisted that the Pentagon be allowed to use the technology any legal way it sees fit. He told an audience of SpaceX employees in January he would reject any AI models “that won’t allow you to fight wars” and that his vision for the technology was systems that operate “without ideological constraints that limit lawful military applications.”

AI’s use in the military is part of the Republican administration’s larger push to grow the capability it sees as a unique American advantage even as it faces pressure to ensure responsible safeguards.

President Donald Trump abruptly called off plans to sign a new AI executive order hours before an expected White House ceremony over concerns the measure could dull America’s edge on AI technology.

“We’re leading China, we’re leading everybody, and I don’t want to do anything that’s going to get in the way of that lead,” Trump told reporters.

Two differing AI worlds within the military

When asked about Bradley’s remarks, a Pentagon official said efforts are focused on using AI to create “functional battlefield tools” that can help troops come up with and identify targets more quickly and, as a result, speed up strikes on those targets. The official spoke on condition of anonymity to offer more candid remarks.

Officials at U.S. Special Operations Command talked about AI not as something that will help eliminate targets but rather as a tool that can offer troops more time to focus on their mission.

Sgt. Maj. Andrew Krogman, the top enlisted official for U.S. Special Operations Command, said at the conference that he sees AI handling administrative tasks to free up operators or helping modernize how the command does business.

Melissa Johnson, the top acquisition official for the command, said AI should be “reducing the cognitive workload on mundane tasks.”

“We’re leveraging AI more and more, but it’s not to replace operator judgment, it’s to enhance it,” she added.

Helen Toner, interim executive director at Georgetown University’s Center for Security and Emerging Technology, said those differing descriptions about AI in the military are both true.

“There are a huge number of potential uses for AI in these kinds of bureaucratic settings, which the U.S. military is actively exploring,” Toner said.

Lt. Gen. Michael Conley, head of Air Force Special Operations Command, told a congressional committee in May that his troops used AI “bots” to convert top secret intelligence down to a secret classification within seconds to make it easier to share with drone operators on the ground during the Iran war.

However, there is no doubt that AI also is helping the military find and strike targets.

The center that Toner oversees published a case study two years ago on how the Army’s 18th Airborne Corps used AI to target artillery strikes “just as efficiently as the best unit in recent American history” and with 2,000 fewer service members.

“Human operators are still the ones making crucial decisions, but AI … is making it possible to operate with a new level of speed and scale,” she said.

AI safety has created a public dispute between the Pentagon and Anthropic

The clash over the integration of AI into the military, who ultimately controls the technology and the ethics behind its use has played out in unusually public fashion during the Trump administration.

Hegseth and Anthropic are embroiled in a bitter contract dispute over the company’s concerns about unchecked government use of its technology, including the dangers of fully autonomous armed drones and of AI-assisted mass surveillance that could track dissent.

After CEO Dario Amodei refused to back down over concerns about how the chatbot Claude is used in classified Pentagon networks, both Trump and Hegseth accused Anthropic of endangering national security.

The Pentagon formally labeled the San Francisco-based company a supply chain risk — ending its $200 million defense contract and prohibited other government contractors from working with the company.

Anthropic sued, claiming the Pentagon is illegally retaliating by stigmatizing the company with a designation meant to protect against sabotage of national security systems by foreign adversaries. The Pentagon has since emphasized its turn to Anthropic rivals — including Google, OpenAI and SpaceX — to secure AI technology that can “augment warfighter decision-making in complex operational environments.”

Toner, a former OpenAI board member ousted after a clash with CEO Sam Altman, said “the general public often seems to underestimate the caution with which the U.S. military approaches new technologies.”

“Commanders want their missions to succeed, which means both being able to create lethal effects at scale, and avoiding unintended effects like friendly fire, civilian casualties, or simply identifying targets incorrectly,” she said.

The Trump administration is pushing to unleash the power of artificial intelligence for the U.S. military while facing calls to put up guardrails around the rapidly developing technology from some companies — and even notes of caution from top leaders in uniform.

Adm. Frank Bradley, head of U.S. Special Operations Command, told attendees of a recent annual special forces conference in Tampa, Florida, that troops “have to be very careful about how we come to (AI’s) employment and its inspiration into the delivery of lethality.”

Bradley said he can see a future where AI determines what targets to hit but that “we, as humans, have to have the confidence that … it’s going to deliver violence only where we intend it to be delivered.”

The remarks from Bradley, who oversees the units that handle the military’s most difficult and dangerous operations, about the need to ensure safeguards come as his boss, Defense Secretary Pete Hegseth, is pushing to rapidly evolve the military through AI. It is a push that has led to clashes with some tech companies worried about safety measures.

Hegseth has insisted that the Pentagon be allowed to use the technology any legal way it sees fit. He told an audience of SpaceX employees in January he would reject any AI models “that won’t allow you to fight wars” and that his vision for the technology was systems that operate “without ideological constraints that limit lawful military applications.”

AI’s use in the military is part of the Republican administration’s larger push to grow the capability it sees as a unique American advantage even as it faces pressure to ensure responsible safeguards.

President Donald Trump abruptly called off plans to sign a new AI executive order hours before an expected White House ceremony over concerns the measure could dull America’s edge on AI technology.

“We’re leading China, we’re leading everybody, and I don’t want to do anything that’s going to get in the way of that lead,” Trump told reporters.

Two differing AI worlds within the military

When asked about Bradley’s remarks, a Pentagon official said efforts are focused on using AI to create “functional battlefield tools” that can help troops come up with and identify targets more quickly and, as a result, speed up strikes on those targets. The official spoke on condition of anonymity to offer more candid remarks.

Officials at U.S. Special Operations Command talked about AI not as something that will help eliminate targets but rather as a tool that can offer troops more time to focus on their mission.

Sgt. Maj. Andrew Krogman, the top enlisted official for U.S. Special Operations Command, said at the conference that he sees AI handling administrative tasks to free up operators or helping modernize how the command does business.

Melissa Johnson, the top acquisition official for the command, said AI should be “reducing the cognitive workload on mundane tasks.”

“We’re leveraging AI more and more, but it’s not to replace operator judgment, it’s to enhance it,” she added.

Helen Toner, interim executive director at Georgetown University’s Center for Security and Emerging Technology, said those differing descriptions about AI in the military are both true.

“There are a huge number of potential uses for AI in these kinds of bureaucratic settings, which the U.S. military is actively exploring,” Toner said.

Lt. Gen. Michael Conley, head of Air Force Special Operations Command, told a congressional committee in May that his troops used AI “bots” to convert top secret intelligence down to a secret classification within seconds to make it easier to share with drone operators on the ground during the Iran war.

However, there is no doubt that AI also is helping the military find and strike targets.

The center that Toner oversees published a case study two years ago on how the Army’s 18th Airborne Corps used AI to target artillery strikes “just as efficiently as the best unit in recent American history” and with 2,000 fewer service members.

“Human operators are still the ones making crucial decisions, but AI … is making it possible to operate with a new level of speed and scale,” she said.

AI safety has created a public dispute between the Pentagon and Anthropic

The clash over the integration of AI into the military, who ultimately controls the technology and the ethics behind its use has played out in unusually public fashion during the Trump administration.

Hegseth and Anthropic are embroiled in a bitter contract dispute over the company’s concerns about unchecked government use of its technology, including the dangers of fully autonomous armed drones and of AI-assisted mass surveillance that could track dissent.

After CEO Dario Amodei refused to back down over concerns about how the chatbot Claude is used in classified Pentagon networks, both Trump and Hegseth accused Anthropic of endangering national security.

The Pentagon formally labeled the San Francisco-based company a supply chain risk — ending its $200 million defense contract and prohibited other government contractors from working with the company.

Anthropic sued, claiming the Pentagon is illegally retaliating by stigmatizing the company with a designation meant to protect against sabotage of national security systems by foreign adversaries. The Pentagon has since emphasized its turn to Anthropic rivals — including Google, OpenAI and SpaceX — to secure AI technology that can “augment warfighter decision-making in complex operational environments.”

Toner, a former OpenAI board member ousted after a clash with CEO Sam Altman, said “the general public often seems to underestimate the caution with which the U.S. military approaches new technologies.”

“Commanders want their missions to succeed, which means both being able to create lethal effects at scale, and avoiding unintended effects like friendly fire, civilian casualties, or simply identifying targets incorrectly,” she said.

3 Reasons to Buy Cameco Stock Like There’s No Tomorrow


Ready to reload your portfolio with something other than another overpriced AI technology stock? If so, you’re not alone. The artificial intelligence opportunity is real, but stepping into its most obvious names here feels… uncomfortable.

Fortunately, there are safer, more affordably priced ways to plug into it. Nuclear power play Cameco (CCJ +1.93%) is one of them.

Image source: Getty Images.

What’s Cameco?

Simply put, Saskatchewan-based Cameco is one of the world’s biggest providers of uranium used to generate nuclear power. It sold 33 million pounds of the stuff last year, preparing it for use after it was retrieved from several mines. The company is also a minority owner of Westinghouse, which builds and services nuclear power plants. Cameco did nearly $3.5 billion worth of business last year, up 11% year over year, turning $590 million of that revenue into net income.

Three reasons to buy Cameco stock

That’s a snapshot of the company’s recent results, anyway. Why should investors be willing to take a shot on its stock here and now?

1. The nuclear power business is poised for prolonged growth

For years, it appeared the nuclear power industry was simply going to fade away, displaced by seemingly safer and more flexible renewable energy options like solar and wind. Those alternatives are still coming into their own. But driven by the artificial intelligence data center industry’s insatiable demand for electricity, the world is falling back in love with nuclear power.

An outlook from the International Atomic Energy Agency puts things in perspective. As of early this year, it expects the planet’s nuclear power capacity to grow by 160% from 2024 levels by 2050, in line with a forecast from the World Nuclear Association.

For further perspective, the World Nuclear Association reports that 75 reactors are currently under construction and another 120 are planned, versus the 440 that are up and running right now.

2. Cameco is the biggest supplier on this side of the planet

Cameco isn’t the biggest name in the business. In some respects, however, it’s the largest accessible source of enriched uranium used by a huge number of nuclear power facilities. The only supplier that’s bigger is Russia’s Rosatom, which has access to a massive source of raw uranium in the nearby country of Kazakhstan. This supply is largely locked up by logistical and geopolitical hurdles, however, leaving Cameco to serve as the chief supplier of enriched uranium in this half of the world.

3. The stock is undervalued

Finally, buy Cameco stock like there’s no tomorrow just because it’s undervalued.

Cameco Stock Quote

Today’s Change

(1.93%) $2.14

Current Price

$112.77

Some investors might disagree with this assessment. Shares of this nuclear name are up nearly 80% over the past 12 months and up almost 300% over the past three years, as investors have gradually realized the immediate and massive power needs of artificial intelligence data centers. The stock’s also suspiciously gone nowhere since early this year.

Just know that analysts aren’t deterred. Most of them rate this ticker a buy (or better) right now, with a consensus price target of $131.78, which is nearly 20% above the stock’s current price.

Crypto Futures का Game Changing Perpetual Trick: The Smarter Way to Trade or Invest In Crypto!



Planning to invest in cryptocurrencies like Bitcoin? Learn how trading in crypto futures and perpetual contracts can make a difference. 🌟

💡 What you’ll learn:
What is cryptocurrency?
Cryptocurrency is a digital currency secured by cryptography, enabling decentralized transactions.

What is cryptocurrency taxation?
Cryptocurrency taxation involves paying taxes on crypto profits as per your country’s financial laws.

What are cryptocurrency futures and contracts?
These are financial derivatives allowing you to speculate on crypto prices without owning the asset.

What is cryptocurrency futures perpetual?
Perpetual futures are contracts with no expiry, enabling continuous crypto trading.

📈 This video is designed to spread financial awareness and is for educational purposes only.

Channel: Neeraj Joshi
#CryptoTrading #Bitcoin #PerpetualContracts #CryptoEducation #FinancialAwareness

source

Why AI Will Never Fully Automate Finance


Adaptive learning in markets faces challenges that are less pronounced in other industries. In computer vision, a cat photographed in 2010 looks much the same in 2026. In markets, interest rate relationships from 2008 often do not apply in 2026. The system itself evolves in response to policy, incentives, and behavior.

Financial AI therefore cannot simply learn from historical data. It must be trained across multiple market regimes, including crises and structural breaks. Even then, models can only reflect the past. They cannot anticipate unprecedented events such as central bank interventions that rewrite price logic overnight, geopolitical shocks that invalidate correlation structures, or liquidity crises that break long-standing relationships.

Human oversight provides what AI lacks: the ability to recognize when the rules of the game have shifted, and when models trained on one regime encounter conditions they have never seen. This is not a temporary limitation that better algorithms will resolve. It is intrinsic to operating in systems where the future does not reliably resemble the past.

CMHC multi-unit insurance jumps 30% as securitization volumes rise




Canada Mortgage and Housing Corporation insured 71,733 multi-unit residential units in Q1, far outpacing traditional homeowner insurance as its securitization activity also climbed.

[MS Only] Grand Bank $200 Checking Bonus


Offer at a glance

  • Maximum bonus amount: $200
  • Availability: MS only
  • Direct deposit required: Yes, $1,000+ per month
  • Additional requirements: 5 debit card purchases
  • Hard/soft pull: Unknown 
  • ChexSystems: Unknown
  • Credit card funding: Unknown 
  • Monthly fees: None 
  • Early account termination fee: Unknown
  • Household limit: None listed
  • Expiration date: July 30, 2026

The Offer

Direct link to offer

  • Grand Bank is offering a bonus of up to $200 when you open a new checking account. Bonus is broken down as follows:
    • Earn $100 when you make 5 debit card transactions monthly within 60 days1
    • Get another $100 by adding a qualifying direct deposit or monthly external transfer for a minimum of $1,000 per month.

The Fine Print

  • After opening a new checking account, complete 5 debit card transactions within 60 days to earn a $100 bonus.
  • To earn an additional $100 bonus, set up a qualifying direct deposit or recurring ACH transfer totaling at least $1,000 per month. Bonuses will be deposited into your checking account within 75 days after qualifying requirements are met.
  • A qualifying direct deposit is a recurring electronic payment, such as payroll, pension, Social Security, or other government benefits, made by an employer or external agency.
  • Your account must remain open, in good standing, and maintain a positive balance at the time the bonus is credited, or the bonus will be forfeited.
  • Limit one bonus per person/account.
  • Offer available to customers age 18 or older. 
  • All bank account bonuses are treated as income/interest and as such you have to pay taxes on them

Avoiding Fees

Monthly Fees

Simple checking has no monthly fee

Early Account Termination Fee

Unsure as I wasn’t able to find a fee schedule

Our Verdict

Always nice when you can get some of the bonus without a direct deposit. We don’t know anything about this bank so please share your datapoints in the comments if you do sign up. 

Hat tip to reader Bockrr

Useful posts regarding bank bonuses:

  • A Beginners Guide To Bank Account Bonuses
  • Bank Account Quick Reference Table (Spreadsheet) (very useful for sorting bonuses by different parameters)
  • PSA: Don’t Call The Bank
  • Introduction To ChexSystems
  • Banks & Credit Unions That Are ChexSystems Inquiry Sensitive
  • What Banks & Credit Unions Do/Don’t Pull ChexSystems?
  • How To Use Our Direct Deposit Page For Bank Bonuses Page
  • Common Bank Bonus Misconceptions + Why You Should Give Them A Go
  • How Many Bank Accounts Can I Safely Open Within A Year For Bank Bonus Purposes?
  • Affiliate Links & Bank Bonuses – We Won’t Be Using Them
  • Complete List Of Ways To Close Bank Accounts At Each Bank
  • Banks That Allow/Don’t Allow Out Of State Checking Applications
  • Bank Bonus Posting Times