7 Unusual Ways Lazy People Are Boosting Their Bank Account (2024)

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Last updated March 4, 2024 | By FinanceBuzz Editors

Feel like your bank account is draining week after week? Don’t worry, we’ve all been there and we’re here to help.

We’ve done our research and found some strange and unusual but legit options to help you stack your bank account without having to leave the house. Some of these will help you save. Others will help you earn some extra cash to pad your wallet right away.

The companies on this list are legit - they’re all real companies that do what they say they’ll do.

Let’s take a look...

Join the community who found over $800 million in online shopping savings in the past year

Picture this — you’re shopping online, find the perfect item, add it to your cart, then wonder … “am I getting the best deal?”

Capital One Shopping can help take the guesswork out of online shopping. This free browser extension scours the web for coupons and deals at over 100,000 retailers. A friendly pop-up will even show you if a better price is available elsewhere, including tax and shipping details.

No, you don’t have to be a Capital One customer to use this amazing tool. Yes, you can say goodbye to code hunting and price comparison! With Capital One Shopping, available coupons and promo codes are automatically tested and applied to your purchase.

The best part? Even if you can’t score a better deal, using Capital One Shopping can earn you Shopping Rewards on purchases that you can later redeem for gift cards at dozens of top retailers.

Don’t miss out on potential great deals and join the millions of happy Capital One Shopping customers who found over $800 million in online shopping savings in the past year!

See how much you could save

Cancel your car insurance

We've got bad news. You could be wasting $500 every year on overpriced, second-rate car insurance. And you should probably cancel your existing insurance right now, because there's something much better.

This new tool from FinanceBuzz can tell you if you're overpaying for your car insurance in just a few clicks. We match drivers with companies that report saving drivers up to $500 or more per year when they save! Each driver’s savings will vary by driving history and how many discounts you’re eligible for. And once you try it out, you'll never have to look for affordable insurance again because we find you the lowest rates that other companies can't match.

Oh, and it's also free. And come on — you can't tell us you don't want to save up to $500. To find out if you're losing up to $500 or more a year, just enter your zip code here, answer a few questions and see if you're overpaying. It takes less than 2 minutes.

See if you're overpaying

Earn cash back on everyday purchases with this rare account

Want to earn cash back on your everyday purchases without using a credit card? With the Discover®️ Cashback Debit Checking account (member FDIC), you can earn 1% cash back on up to $3,000 in debit card purchases each month!1

With no credit check to apply and no monthly fees to worry about, you can earn nearly passive income on purchases you’re making anyway — up to an extra $360 a year!

This rare checking account has other great perks too, like access to your paycheck up to 2 days early with Early Pay, no minimum deposit or monthly balance requirements, over 60K fee-free ATMs, and the ability to add cash to your account at Walmart stores nationwide.

Don’t leave money on the table — it only takes minutes to apply and it won’t impact your credit score.

Apply for a Discover Cashback Checking account today

Earn $200 cash rewards bonus with this incredible card

There's a credit card that's making waves with its amazing bonus and benefits. The Wells Fargo Active Cash® Card(Rates and fees) has no annual fee and you can earn $200 after spending $500 in purchases in the first 3 months.

The Active Cash Card puts cash rewards back into your wallet. Cardholders can earn unlimited 2% cash rewards on purchases — easy! That's one of the best cash rewards options available.

This card also offers an intro APR of 0% for 15 months from account opening on purchases and qualifying balance transfers (then 20.24%, 25.24%, or 29.99% Variable). Which is great for someone who wants a break from high interest rates, while still earning rewards.

The best part? There's no annual fee.

Click here to apply now.

Pay no interest until 2025

Imagine getting an introductory 15 months with 0% interest on a big purchase or balance transfer (APR then 17.24% - 28.24% Variable). Sounds great — right? You could dramatically change your financial picture with one of the industry-leading no-interest cards — the Discover it® Cash Back(Rates and fees).

Cardholders get a generous intro APR of 0% for 15 months on purchases — that means you can cover bills, large purchases, or whatever you need to charge and not pay interest until 2025!

If you want to kick high-interest credit card debt to the curb, this is one of the leading get-out-of-debt cards available. Transfer your high interest debt to this card with a 0% intro APR for 15 months on balance transfers. Your payments can go directly to paying down your balance without incurring a pile of additional charges. That could save you hundreds of dollars in interest!

The best part? The Discover it® Cash Back card is accepted by 99% of merchants, boasts an exceptional cash back rewards rate, and there's no annual fee.

Click here to Apply Now

Eliminate your late tax debt

Each year, the IRS forgives millions in unpaid taxes. If you have more than $10,000 in tax debt, or have 3+ years of unfiled taxes, you could get forgiveness too. You might be eligible to lower the amount you owe, or eliminate your tax debt completely.

Fresh Start Initiative could help you lower or get out of your tax debt for good. They’re well respected in the industry and have been recognized for their ethical standards when dealing with tax debt. While most tax companies just put you on a payment plan and file your taxes for you, Fresh Start Initiative talks to the IRS directly. They can help you pay off your tax debt faster while potentially reducing what you owe.

Important: Not everyone will qualify. To take advantage of this special program you must owe more than $10,000 in past-due taxes.

Fill out this form to get started

Stop Overpaying When You Shop Online

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7 Unusual Ways Lazy People Are Boosting Their Bank Account (2024)

FAQs

How do people survive without a bank account? ›

Money Orders

When it comes to paying bills, you can opt for a money order rather than a direct debit or standing order. A money order can be purchased in a variety of places, such as the Post Office or supermarket. You must pay the face value of the money order at the time of purchase, as well as a small fee.

How can I boost my bank account? ›

So, if you're wondering how to save money fast, here are our top suggestions on how to boost your bank balance quickly.
  1. Learn to budget and understand your finances. ...
  2. Get out of debt. ...
  3. Create a designated savings account. ...
  4. Automate your savings. ...
  5. Automate your bills. ...
  6. Put a spending limit on your card.
Aug 11, 2022

Why do poor people not have bank accounts? ›

About a fifth of those recently unbanked cite losing a job or a significant portion of income as the reason for closing their bank account. Meanwhile, the top-cited reason among all unbanked households for having no bank account is not having enough money to meet minimum balance requirements.

What percentage of adults don't have a bank account? ›

The Federal Reserve found that in the U.S., 13% of adults are underbanked as of 2021, meaning they have a bank account but regularly use alternative financial services, and 5% are unbanked meaning they have no bank account at all. The unbanked population is made up of around 13 million people in the U.S.

What is the 30 day rule? ›

The premise of the 30-day savings rule is straightforward: When faced with the temptation of an impulse purchase, wait 30 days before committing to the buy. During this time, take the opportunity to evaluate the necessity and impact of the purchase on your overall financial goals.

How to save $10,000 fast? ›

6 steps to save $10,000 in a year
  1. Evaluate income and expenses. To make room for saving, you'll need a meticulous budget that outlines all your sources of income and all your expenditures. ...
  2. Make an actionable savings plan. ...
  3. Cut unnecessary expenses. ...
  4. Increase your income. ...
  5. Avoid new debt. ...
  6. Invest wisely.
Apr 2, 2024

What earns the most interest? ›

Certificates of deposit typically offer the highest interest rates compared with money market accounts and savings accounts.

Can I live without using a bank? ›

As an adult, you couldn't operate “normally” without a bank account, though. You would need to rely purely on cash-in-hand work such as washing car windows on the street or providing gardening or cleaning services for people willing to accept a discount for cash payment.

Is it okay to not have a bank account? ›

"For those not using a bank account at all, they are missing out on all the benefits banking provides, including convenience, safety, security, access to credit and loans, as well as additional services like budgeting tools and online banking platforms," said Robert Davidson, financial expert and CEO of California ...

Is it possible to never have a bank account? ›

Some people, of course, are quite happy to live without a traditional bank account and actively choose alternative ways of dealing with their cash flow and budgeting.

What should I do if I don't have a bank account? ›

If you are struggling to open a bank account, a prepaid card can be a good alternative if you don't want to pay with cash but lack access to a checking account. Prepaid cards must be front-loaded (monetary value added to them) before they can be used for purchases.

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