[MN & WI] Spire Credit Union $100 Checking Promotion – Doctor Of Credit

Update 3/25/23: Deal is back through 06.30.23.

Update 10/19/22: Extended through 12.31.22.

Update 7/4/22: Extended through 09.30.22

Update 4/2/22: Extended through 06.30.22.

Update 1/5/22: Extended through 03.31.22.

Update 10/4/21: Extended through 12/31/21

Update 7/6/21: Extended until 09/30/2021.

Offer at a glance

• Maximum bonus amount: $100
• Availability: MN & WI only, maybe be able to join if a family member is already a member
• Direct deposit required: Yes, no minimum specified
• Additional requirements: 5 check card transactions
• Hard/soft pull: Hard pull (Equifax)
• Credit card funding: Unknown
• Monthly fees: None
• Early account termination fee: Account must remain open for six months
• Expiration date: December 31st, 2016 June 30th, 2017 September 30th, 2017 December 31st, 2017 June 30th, 2018 September 30th, 2018 December 31st, 2018 March 31st, 2019 June 30th, 2020 September 30th, 2020 December 31, 2020 March 31, 2021 June 30, 2021

The Offer

Direct link to offer

• Open a new Spire checkng account and receive a bonus of $100 when you do the following:
  • set up an Automatic Payment or Direct Deposit and make a total of 6 SPIRE debit card transactions within 60 days

The Fine Print

• Offer valid to persons with no prior checking relationship with SPIRE in the last 12 months.
• $100 minimum balance required to open checking account.
• To qualify for $100 offer, account holder must set up an Automatic Payment or Direct Deposit and make a total of 5 SPIRE debit card transactions within 60 days.
• Account must remain open for six months.
• $100 will be deposited to the checking account upon account opening.
• If all requirements of offer are not met, SPIRE reserves the right to reclaim the $100.
• Account holder responsible for any applicable taxes.
• Limited time offer valid 10.01.16 – 12.31.16. Subject to termination at any time.

Avoiding Fees

This is a free checking account, you do need to keep the account open for six months to avoid any fees.

Our Verdict

The fact that it’s a hard pull to open the account kills the deal, you’d be better off signing up for a credit card with a high cash sign up bonus instead. You can view a list of the checking sign up bonuses we do recommend (and without hard pulls) by going here.

Useful posts regarding bank bonuses: