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Or you can go to Amscot and pay like 5 dollars to cash it. Not end of the world. Time to sign up for direct deposit or the cash card!

Roll it over. It's your money yes, but its considered income not taxed. That is why it is penalized. I wouldn't want to throw 20+ % away for no reason. Unless you did the Roth taxed 401k, then you should be able to get it all since income tax was already paid iirc. May still be a small penalty...

That free 5% additional pay is something people don't even consider. It adds up over time. I don't get it

You are vested right away. No three year wait. That's all I can find. Nothing about 3yesrs.

That 2nd hand info from a etl isn't accurate at all. There are like 20 different categories for the bonus, with a cap of 100 points total. Most things are 5 points, and some( 3 or 4) scale as high as 15 last iirc. People need to get off this bandwagon of "omg store bonus for payroll cuts!!!"...