[MI, IN] OMNI Community Credit Union $400 Referral Checking Bonus

Update 8/2/26: referral offer now increased to $400/$400 until 9/30. Hat tip to reader mothman69

Update 5/20/26: Bonus reduced to $100. 

Update 3/7/26: Deal is back until April 30th. Full terms here. Hat tip to reader Gadget

Update 12/20/25: Now available as a $200 referral for both parties. Feel free to share your referrals in the comments below. Hat tip to reader Bockrr

Offer at a glance

• Maximum bonus amount: $200
• Availability: MI, IN only
• Direct deposit required: Yes, $500+
• Additional requirements: See below
• Hard/soft pull: Hard pull
• ChexSystems: Yes
• Credit card funding: Unknown
• Monthly fees: None
• Early account termination fee: None
• Household limit: None
• Expiration date: None

The Offer

Direct link to offer

• OMNI Community Credit Union is offering a bonus of $200 when you open a new checking account using a referral and complete the following requirements:
  • Receive ACH direct deposits averaging at least $500 a month
  • Make a minimum of 8 debit card transactions
  • Enroll in eStatements
  • Login to Digital Banking

The Fine Print

• Offer valid for Digital Membership (checking) accounts opened online. Offer not available to existing OMNI Community Credit Union members.
• A savings account must also be opened at time of Digital Membership account opening.
• New members must have ACH direct deposits averaging at least $100 per month in the first 60 days of account opening.
• Only Digital Membership accounts open and in good standing at time of bonus are eligible.
• Promotion begins on April 1, 2022 and may end at any time, without notice or warning.
• May not be combined with any other offer.
• Other restrictions may apply, offer subject to change, bonus subject to Credit Union’s discretion.
• Please contact the Credit Union during normal business hours with any questions: 269-441-1400.
• The bonus will be deposited to your regular savings account within five business days of meeting the requirements.
• Your bonus will be paid in the form of a dividend deposit to your savings account within five days of meeting requirements.
• All dividends paid will be reflected on the 1099-INT form for the applicable tax report of the year as required by law.
• All bank account bonuses are treated as income/interest and as such you have to pay taxes on them

Avoiding Fees

Monthly Fees

This account has no monthly fees to worry about.

Early Account Termination Fee

As far as I know this account has no monthly fees to worry about.

Our Verdict

Requirements seem easy and according to the terms any ACH should work, but that isn’t always the case. It is a hard pull so not worth doing for everybody but will add to our list of the best checking bonuses.

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