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Find Money and Rewards to Bulk Up Your Stash Account (Without Making a Deposit)

April 15, 2019
find money

3 min read

Most of us need to use our paychecks to pay rent, buy groceries, or fill the Toyota Tercel with gas. And it can be a stretch to find extra money to save and invest.

The good news is that there are ways to increase the amounts of money in your Stash account without initiating a deposit from your linked bank account.

It’ll just take a little initiative and can-do attitude. Here are six ways you can start Stashing more without tapping your potentially tapped-out checking account.

1. Refer your friends!

You can earn money by referring your friends, enemies, frenemies, or anyone else to Stash. We’ll give you $5 for each referral, up to a maximum of $500.

2. Let your investments earn you money

Your investments can earn you more money which you can then reinvest.

How? By earning dividends and interest payments. Stock owners may periodically receive dividends as a cut of a company’s profits, while bond owners may get interest payments on their debt securities.

3. Win contests!

Stash occasionally has contests and sweepstakes (Stash ran a contest called The Vault, for example, during 2018) that users can win to add to their accounts. Take part, and see if you can win.

4. Turn on Round-Ups

Round-Ups are a feature of the revamped Auto-Stash, and they allow you to “round up” your transactions to the nearest dollar, depositing the difference into your Stash account. This is money coming from your bank account, but it’s a simple way to supercharge your investing with small amounts.

With time, your Round-Ups could add up!

Learn more about Round-Ups, and how to turn them on.

5. Sign up for Stock-Back

Stock-Back is our proprietary rewards program that lets you earn stock when you spend on qualifying purchases with your Stash debit card.

Make a purchase with your Stash debit card anywhere1 nationwide—at more than 11 million U.S. businesses2—and get rewards in the form of a fractional share of stock, on us3. Pretty simple.

For example, if you purchase something from Amazon, you’ll earn AMZN Stock-Back as a reward. The same goes for your Netflix subscription, or those lattes you buy at Starbucks. We’ll deposit fractional shares of NFLX and SBUX in your Invest account4. And if the company isn’t available as an investment on our platform, you’ll earn Stock-Back in a Stash-approved ETF.

So, if you make a qualifying purchase at a small, local hardware store, for example, your Stock-Back reward will be from a Stash-approved ETF.

First, you’ll need to sign up for a Stash invest account, and then a Stash bank account5. The stock you earn on qualifying purchases will then be added to your Stash Invest account.

6. Get Stock-Back Bonuses6

With Stock-Back bonuses, we’ll do you one better.  We’ll choose merchants, such as Netflix, Dunkin’, and Starbucks for you to earn extra Stock-Back at for a limited time7. All those lattes you get at Starbucks, munchkins from Dunkin, even your monthly Netflix subscription—could be eligible for a Stock-Back bonus between 1% and 5% of your purchase, subject to terms and conditions.

All you have to do is opt-in to Stock-Back and swipe or pay with your Stash debit card when you buy at those merchants who are eligible for bonuses, and we’ll deposit the bonus in your Invest account. There’s no additional enrollment needed for the Stock-Back bonuses—this is another benefit of the Stock-Back program.

To view your bonus offers, just go to your debit account from the app and tap the Stock-Back tile, then click View this month’s bonuses for current offers. Or check out updates here. 

As always, we want to remind you that stocks aren’t risk-free investments. Your stock can lose value, just as it can appreciate in value. It’s always smart to diversify with a mixture of investments, including stocks, bonds, and other securities in various sectors, industries, and geographies.

Learn more about Stock-Back and Stock-Back Bonuses and how to qualify.

If you’re not yet an investor, you can get started with only $5 on Stash.

Make saving and investing a habit.

Go automatic with Auto-Stash.

Start now

Make saving and investing a habit.

Go automatic with Auto-Stash.

Start now

Make saving and investing a habit.

Go automatic with Auto-Stash.

Start now

By Stash Team

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1What doesn’t count: Cash withdrawals, money orders, prepaid cards, and P2P payment. See full terms and conditions.

2 Source: Nilson Report, 2019

3 The customer is responsible for the monthly Stash advisory fee, which starts at $1 per month and includes brokerage services but does not include additional costs that are charged by Stash and the custodian for ancillary services. Other fees may apply to the Stash debit account. For more information, please refer to https://www.stashinvest.com/disclosurelibrary

4, 7 Listed Investments currently available on Stash but not necessarily representative of all investments.

5 Account opening for the debit account is subject to Green Dot Bank’s approval.

6 Promotion offer is subject to Terms and Conditions.

Opt-in is required. In order to earn stock in the program, the Stash debit card must be used to make a qualifying purchase.

In order for a user to be eligible for a Stash debit account, they must also have opened a taxable brokerage account on Stash.

Stock-Back Rewards that are issued to a  participating customer’s personal brokerage account via the Stash Stock-Back Program, are not FDIC Insured, Not Bank Guaranteed and May Lose Value.

Stash Stock-Back® is not sponsored or endorsed by Green Dot Bank, Green Dot Corporation, Visa U.S.A., or any of their respective affiliates, and none of the foregoing has any responsibility to fulfill any stock rewards earned through this program.

Debit Account Services provided by Green Dot Bank and Stash Debit card issued by Green Dot Bank, Member FDIC, pursuant to a license from Visa U.S.A. Inc.  Visa is a registered trademark of Visa International Service Association. Green Dot Bank operates under the following registered trade names: GoBank, Green Dot Bank and Bonneville Bank.  All of the registered trade names are used by, and refer to a single FDIC-insured bank, Green Dot Bank. Deposits under any of these trade names are deposits with Green Dot Bank and are aggregated for deposit insurance coverage. Green Dot is a registered trademark of Green Dot Corporation.  @2019 Green Dot Bank. All rights reserved.

Investment products and services are not offered by Green Dot Bank and are Not FDIC Insured, Not Bank Guaranteed, and May Lose Value.

This material has been distributed for informational and educational purposes only, represents an assessment of the market environment as of the date of publication, is subject to change without notice, and is not intended as investment, legal, accounting, or tax advice or opinion. Stash assumes no obligation to provide notifications of changes in any factors that could affect the information provided. This information should not be relied upon by the reader as research or investment advice regarding any issuer or security in particular. The strategies discussed are strictly for illustrative and educational purposes and should not be construed as a recommendation to purchase or sell, or an offer to sell or a solicitation of an offer to buy any security. There is no guarantee that any strategies discussed will be effective.

Furthermore, the information presented does not take into consideration commissions, tax implications, or other transactional costs, which may significantly affect the economic consequences of a given strategy or investment decision. This information is not intended as a recommendation to invest in any particular asset class or strategy or as a promise of future performance. There is no guarantee that any investment strategy will work under all market conditions or is suitable for all investors. Each investor should evaluate their ability to invest long term, especially during periods of downturn in the market. Investors should not substitute these materials for professional services, and should seek advice from an independent advisor before acting on any information presented. Before investing, please carefully consider your willingness to take on risk and your financial ability to afford investment losses when deciding how much individual security exposure to have in your investment portfolio.

Past performance does not guarantee future results. There is a potential for loss as well as gain in investing. Stash does not represent in any manner that the circumstances described herein will result in any particular outcome. While the data and analysis Stash uses from third party sources is believed to be reliable, Stash does not guarantee the accuracy of such information. Nothing in this article should be considered as a solicitation or offer, or recommendation, to buy or sell any particular security or investment product or to engage in any investment strategy. No part of this material may be reproduced in any form, or referred to in any other publication, without express written permission. Stash does not provide personalized financial planning to investors, such as estate, tax, or retirement planning. Investment advisory services are only provided to investors who become Stash Clients pursuant to a written Advisory Agreement. For more information please visit www.stashinvest.com/disclosures.