Happy almost-Halloween, deal hunters! 🎃

While the ghosts and goblins are gearing up for their big night, we're unmasking some seriously spooky-good offers that won't make you jump. We’ve noticed a number of great banking bonuses coming to an end October 31st, so this week’s No-Nonsense Wins are focused on just that.

Let’s jump in, so you can cash in before these sweet deals expire!

No-Nonsense Wins This Week 🎯

BMO Relationship Checking: Snag a Sweet $600 Bonus (Offer Expires October 31, 2024)

Ready to give your bank account a Halloween treat? BMO is dishing out a massive $600 signup bonus that's as real as it gets—no magic spells required.

Requirements:

• Score $500 with at least $7,500 in qualifying direct deposits within the first 90 days.

• Can't quite conjure up that much? No worries—get $250 with $4,000 in direct deposits.

• Earn an extra $100 digital gift card when you meet with a BMO banker to chat about your financial priorities after opening the account.

Why It's Worth It:

This is one of the biggest signup bonus we've seen— think of it like the king-size candy bar of the banking bonus world. The direct deposit requirement is a tad high, but you have 90 days to complete it. And we love that this isn’t an all-or-nothing offer, so you can cash in even if you have less to deposit.

Action:

Don't let this offer vanish on you—grab it before it disappears on October 31.

TD Bank Checking Account: Earn Up to $300 Faster Than You Can Say 'Easy Money'

Looking for a low-effort, high-reward deal? TD Bank's got you covered with a signup bonus that's easier to claim than sorting your Halloween candy.

Requirements:

• Have $500 in qualifying direct deposits post to the account within 60 days to earn a $200 bonus.

• Feeling ambitious? Deposit at least $2,500 in direct deposits to score the $300 bonus.

Why It's Worth It:

With only $500 required to start raking in the bonus cash, this deal is as straightforward as it gets—no tricks, just treats for your wallet. Just like the BMO bonus above, you can earn even more with a bit more in cumulative direct deposits.

Action:

Time's ticking like a countdown to midnight—snag this offer before it ends on October 31.

U.S. Bank Smartly® Checking: Last Call to Pocket Up to $400

We've told you about this gem before, but consider this your friendly nudge—this easy-peasy deal is about to sail off into the sunset.

Requirements:

• Open your account with an initial deposit of $25.

• Set up direct deposits within the first 90 days.

• Earn $200 when your total direct deposits are between $3,000 and $4,999.99.

• Earn $400 when your total direct deposits are $5,000 or more.

Why It's Worth It:

Another varied-level offer with a high bonus. We love the $400 bonus potential on this one, and having 90 days to meet the $5k deposit minimum.

Action:

Don't miss the boat (or broomstick). Dive in before this offer flies away.

Big Savings Events - The Best Deals After Halloween 🛒

While everyone's coming down from their sugar highs, savvy shoppers know that the real fun begins on November 1st. Post-Halloween sales can offer some hidden treasures without the pirate maps and booby traps.

Discounts:

Expect spine-tingling markdowns on candy, costumes, fall decor, and more—up to 70% off at some retailers.

Favorite Finds:

• Candy:

  Forget trick-or-treating; snag your favorite sweets at a fraction of the price. Hit up Target, Walmart, and your local grocery store for deals sweeter than a pumpkin spice latte.

• Costumes:

  Costumes aren't just for Halloween—stock up for next year's cosplay events or impromptu costume parties. Stores like Target and Spirit Halloween are slashing prices faster than a horror movie villain.

• Fall Decor:

  Transform your home into a fall wonderland without scaring your bank account. Score deals on linens, wreaths, and table settings at JCPenney, Macy's, and Kohl's.

• Baking Supplies:

  Channel your inner baker with festive supplies that are useful year-round. Think cupcake mixes, sprinkles, and cookie cutters—because who doesn't love bat-shaped cookies in March?

• Candles & Lights:

  Get a head start on your holiday decor with candles and lights at scary-good prices. Your future self will thank you when it's time to deck the halls.

• Pumpkins:

  Pumpkins hit rock-bottom prices on November 1st. Perfect for that last-minute pumpkin pie or as an unconventional Thanksgiving centerpiece.

• Makeup:

  Stock up on bold lipsticks and glittery eyeshadows that add flair to any look. Because everyday life could use a little more sparkle.

Money & Savings Hack 💡

Flight Delayed? Get Automatic Refunds Faster Than You Can Say 'Where's My Money?'

The U.S. Department of Transportation just cast a protective spell over your holiday travel plans. Airlines are now required to automatically refund you for significant delays or cancellations—no more jumping through hoops or enduring endless hold music.

Why It Works:

These new rules mean your hard-earned cash isn't stuck in airline limbo when things go awry. It's like having a guardian angel for your wallet. Just make sure to book with a travel rewards card to maximize your protection and perks.

Quick Tips:

• You're entitled to an automatic refund if:

  • Your flight is canceled.

  • Your domestic flight is delayed by 3 hours or more.

  • Your international flight is delayed by 6 hours or more.

  • There are significant changes to your itinerary like airport changes or increased connections.

• Refunds must be prompt:

  • 7 business days for credit card purchases.

  • 20 calendar days for other forms of payment.

• Not eligible for refunds when delays are due to:

  • Personal reasons (illness, running late).

  • Weather or natural disasters.

  • Air traffic or security issues.

For more details, check out the full scoop here.

Disclaimer: Offers and deals are subject to change. Always check the merchant's website for the most current information.

Until next time, keep stacking those wins with minimal effort. After all, life’s too short for complicated deals and lukewarm coffee.