X Money Offer

Bonus Details

$300 is paid 14 days after requirements are met. X Card earns 1% cash back, or up to 3% with $1,000 in qualifying deposits per rolling 34 days, a paid X Subscription plan, or legacy Premium/Premium+. ATM reimbursements are currently unlimited for those subscribers; others receive up to $4 per withdrawal, twice monthly. Starting December 1, 2026, everyone receives up to $4 per withdrawal, twice per calendar month. No foreign transaction fees.

How To Qualify

Receive $3,000 in qualifying deposits during the account's first 90 days and keep your individual account open as a New York resident for that period. Qualifying deposits are ACH direct deposits with SEC code PPD or X Creator payouts from Original Content Rewards, Creator Revenue Sharing, or Creator Subscriptions. No minimum balance is required beyond keeping the account open and in good standing. Only one account per user qualifies. For existing New York accounts previously earning interest, the 90-day period begins October 1, 2026.

The Fine Print

Monthly Fees: None
Household Limit: One Stored Value Account per X Money user
Account Type: Personal Bank Account
Expiration Date: None Listed
Availability: New York

Monthly Fee Details

No monthly account maintenance or inactivity fee. A paid X subscription is optional.

Official offer terms

Source wording for the promotion. View official source Recorded Invalid Date.

Earn a $300 bonus if your account has been open as a resident of an eligible US state for 90 days, and you receive $3,000 of qualifying deposits within that period. Only available to New York residents at this time. A qualifying deposit is (i) a direct deposit received via the Automated Clearing House (“ACH”) with SEC code = PPD or (ii) an X Creator payout from Original Content Rewards, Creator Revenue Sharing, or Creator Subscriptions. Eligibility requires set-up of and receipt of qualifying deposits into your open, individual Stored Value Account. Maintaining a minimum account balance is not required to earn the bonus, except as required for your Stored Value Account to remain open and in good standing. Bonus payout will be credited directly to your Stored Value Account, fourteen (14) days after requirements are met. Only one Stored Value Account tied to an X Money user will be eligible for the bonus. Proof of residency may be required. For New York residents currently obtaining interest: effective October 1, 2026, the Annual Percentage Yield (APY) and interest rate applicable to your Stored Value Account will be 0.00%. The 90 day period for direct deposit bonus eligibility begins on this date.

Disclosure

Bonus is provided by X Payments LLC and does not constitute Annual Percentage Yield (APY) or interest. X Payments LLC is not an FDIC-insured bank. Deposit accounts are held at Cross River Bank, Member FDIC. X Payments LLC reserves the right to modify eligibility requirements and change this offer at any time.