I made $3,400 for FREE in just 90 days. It's so quick and easy anyone can do it... here's how

Anthony Venture loves to spend his free time taking extravagant holidays with his wife and friends.

To help fund his lifestyle, the Staten Island content creator, is the proud owner of more than 60 credit cards - which he says he games 'to no end.' 

Venture, 29, is a self-taught expert on an array of personal finance topics from real estate to stocks, inspired by an early obsession with investment advisors like Kevin Paffrath and Graham Stephan. 

'That eventually translated from getting a good credit score to getting cards solely for the credit card points and miles to use to travel the world,' he told the Daily Mail. 

Venture, who also works as a realtor, has been advising money-conscious viewers on social media for four years. He breaks down everything from Amex's latest credit card changes to paying taxes online with a credit card.   

In one recent video that landed thousands of views, he explained his decision to abandon his old bank account in exchange for ten new ones.

'You're probably losing a ton of money just by being loyal to your current bank,' he explained. 

'You may not realize but major banks are giving away literally thousands of dollars in free cash just to steal you as a customer.'

The process he was referring to is known as 'bank churning' - a strategy growing in popularity among financially savvy consumers.

Instead of chasing cashback rewards or airline miles on credit cards, sneaky participants earn cash bonuses by opening checking and savings accounts, completing a handful of requirements, collecting the promotional bonus and moving to the next bank. 

But unlike credit card rewards and bonuses, which typically mean spending thousands of dollars within a few months, bank bonuses are usually tied to shuffling money into a new account or setting up direct deposits.

Some bonuses are worth $100. Others can pay over $1,000. 

'Bank accounts just need either new money in the account, or connecting it for direct deposit from your work for bonuses,' he explained. 

Perhaps the biggest surprise is many bonuses aren't one-and-done: most accounts can be closed anywhere from one month to 12 months after opening. 

'The crazy part is, customers can do the new member sign-up bonus all over again, every single year,' Venture said.

'No damage to your credit score or anything. Most big banks usually use a separate tracking agency called ChexSystems, but that's more to monitor customers with frequent bounced checks or overdrafts.'

Done consistently, the earnings add up quickly - with Venture insisting customers can snag as much as $10,000 just from new account bonuses. 

So why aren't more doing it? 

'The biggest misconception is people hear about it for the first time and immediately assume it can't be legal,' Venture explained. 'But bank account churning is completely legal. Banks are simply paying you to become a customer.'

Easy offers to get started 

One of Venture's favorite recent offers came from Chase. The bank is offering new customers a bonus of $400 just from doing a $1,000 direct deposit into their new checking account.

For those looking to go further, Venture recommends the Chase Business version of their checking account. With a minimum deposit of $10,000, business customers earn $500 for keeping money with Chase for 60 days. 

Venture's wife completed the same promotion, so as a household they earned an extra $1,000 within 60 days.

'That's a month of groceries,' he noted. The couple also completed the Chase personal checking account offer, bringing their total to $1,800.

His second pick is Wells Fargo checking, currently offering $400 for new customers. After depositing $1,000 and keeping it there for 90 days, users are quickly paid out. 

Thanks to the Chase Bank and Wells Fargo offers, Venture and his wife snagged $2,600 in three months just by leaving their money in the new accounts. 

Venture and his wife also both signed up for SoFi's 'welcome offer,' which gives new personal checking account users $400 each after receiving $5,000 in direct deposits within the first 25 days. 

In total, the couple earned $3,400 in 90 days - just from opening new accounts and keeping their money in there. 

And there are plenty of other bank bonus offers available to customers. Bank of America currently has a 'tiered' bonus, meaning the amount of 'free' money someone earns is dependent on what account they open - whether it's a checking or a business account. 

New Bank of America 'SafeBalance Banking' checking account holders earn $100 just from depositing $2,000. Those who open an Advantage Plus Banking account or Advantage Relationship Banking account are eligible for $500 with a $10,000 deposit. 

Banks currently offering new customer bonuses include SoFi, Chase, Wells Fargo, Capital One, First Horizon, Chime, Key Bank, Varo, USAA, Truist, Bank of America and US Bank. Even Venmo has a referral bonus offer - if an existing customer gets a friend to sign up for a debit account, they each earn a $10 bonus. 

Venture's top tips 

With so many bank accounts and credit cards, staying organized is vital. For beginners, Venture recommends trying not to juggle too many offers at once.

'I'd have money set aside, around $5,000 specifically used to move around to different banks to continually hit new bonuses every month, but it's not a requirement,' he said, noting people can still earn a bonus with $0 - albeit with fewer offers available. 

One of the heftiest proposals right now is a $1,500 bonus with Citibank. To earn the extra cash, new members must deposit $200,000 and maintain it for several months. 

His biggest piece of advice is to keep detailed records of your bank accounts.

Venture also suggests being 'diligent' about tracking when you hit requirements and when you're supposed to get paid.  

'Do not procrastinate,' he added. 'Wait too long, you'll miss the requirement window.'

While smaller regional banks can offer lucrative promotions, he says beginners should focus on the larger institutions first, like Citi, Chase and Wells Fargo. For those willing to stay organized, the rewards are noticeable.