- No direct deposit.
- Top tier: $100,000 deposit held 180 days (lower tiers with lower holds exist). ACH/wire only, no ACATS.
Fine print & the math
Brokerage, not FDIC-insured bank deposits (SIPC applies). Bonus is stock you can sell. Bonusfolio mentions a stackable sweep APY promo we haven't verified, so our math assumes 0% on the cash. UNVERIFIED on moomoo.com (help page didn't render).
Expires: Oct 31, 2026. Bonusfolio: first deposit must settle by 10/31/26.
Cash parked $100,000 · Opportunity cost vs 4.00% savings $1,973 · Net −$973 · Bonus as APY 2.03%
Also see: https://bonusfolio.com/guides/bonuses-ending-soon/
Source page · last verified Oct 26, 2026