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Tag: hard pull

  • [NC only] First Flight Credit Union $150 Checking Bonus – Doctor Of Credit

    Update 9/27/25: Bonus is back but only $150. Valid until November 30, 2025. Hat tip to reader Shawntheshawn

    Update 7/25/21: Bonus increased to $250. Hat tip to ShawntheShawn

    Offer at a glance

    The Offer

    Direct link to offer

    • Open a new First Flight Credit Union checking account and receive a bonus of $200 when you do the following:
      • Receive a recurring qualifying direct deposit within 60 days of account opening (minimum of $500 combined each month)

     

    The Fine Print

    • Membership eligibility may be required.
    • Offer applies to new checking accountholders only.
    • In order to receive $200, a qualifying direct deposit must be credited to the checking account within 60 days from account opening.
    • Bonus will be deposited into member’s checking account on the first business day following the month the requirements are met.
    • A qualified direct deposit must be reoccurring from an employer, pension payment, Social Security payment or other government benefit to be deposited electronically each month totaling a combined total of $500 or more to the checking account.
    • All bank account bonuses are treated as income/interest and as such you have to pay taxes on them

    Avoiding Fees

    I wasn’t able to find the fee schedule.

    Basic Checking $3 Monthly Fee

    Waived with either of the following:

    Prestige Checking $20 Monthly Fee

    Waived with combined share balances of $5,000+

    Our Verdict

    Bit annoying that a direct deposit or $5,000 is required to keep the account fee free, probably not worth it to be honest. If anybody does sign up though then please share your experiences in the comments below.

    Useful posts regarding bank bonuses:

    Post history:

    • Update 4/18/20: Bonus has been increased from $100 to $200.

    William Charles

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  • [KS & MO only] CommunityAmerica Credit Union $300 Checking Bonus – Doctor Of Credit

    Update 8/31/25: Back until 11/30/2025. There is also a $100 guided investing account bonus and additional $100 when you do both. Hat tip to reader Bockrr

    Update 3/15/25: Extended to 04/15/2025

    Update 2/5/25: Extended to 2/28/2025

    Update 1/1/25: Extended to 1/31/25.

    Update 12/1/24: Extended to 12/31/2024

    Offer at a glance

    • Maximum bonus amount: $300
    • Availability:Must live, work or worship in select MO & KS counties:
      • MO: Clay, Jackson, Platte, St. Louis
      • KS:  Douglas, Jackson, Jefferson, Johnson, Leavenworth, Miamia, Shawnee, Wyandotte
    • Direct deposit required: Yes, two direct deposits that total $2,500+
    • Additional requirements: See below
    • Hard/soft pull: Hard pull
    • ChexSystems: Unknown
    • Credit card funding: At least $1,000
    • Monthly fees: None
    • Early account termination fee: None
    • Household limit: None listed
    • Expiration date: 11/30/2024

    The Offer

    Direct link to offer

    • CommunityAmerica Credit Union is offering a $300 bonus when you open a new checking account and complete the following requirements within 90 days of account opening:
      • Use promo code GUIDED500
      • enroll in CommunityAmerica online banking or the CommunityAmerica Mobile App
      • complete two or more direct deposits that total at least $2,500

    The Fine Print

    • To receive the $300 credit for a new checking account, you must meet CommunityAmerica Credit Union membership eligibility requirements and (1) Open a new Cashback Free Checking or Chiefs Checking account, which is subject to credit approval, through 11/30/2024 (members with existing Cashback Free Checking or Chiefs Checking accounts or with Cashback Free Checking or Chiefs Checking accounts that have closed within the past six months do not qualify), and within 90 days of account opening, (2) enroll in CommunityAmerica online banking or the CommunityAmerica Mobile App, and (3) complete two or more direct deposits that total at least $2,500.
    • The direct deposits need to be electronic deposits of your paycheck, pension or government benefits from your employer or the government.
    • Person to person payments (such as Zelle) are not considered direct deposits.
    • Within 30 days of meeting qualification requirements, your $300 credit will be posted into the primary account owner’s membership savings account.
    • The account must be open and in good standing at the time of payout to qualify for the credit.
    • Examples of ineligible accounts may include: delinquent accounts, accounts that have caused the credit union to experience a loss, accounts in which we suspect illegal activity, fraud, scam or financial exploitation, or accounts involved in legal or administrative proceedings.
    • Limit one $300 credit per account and per member.
    • Offer subject to change without notice and cannot be combined with any other offer.
    • The credit may be reported as income on IRS Form 1099-MISC.
    • All bank account bonuses are treated as income/interest and as such you have to pay taxes on them

    Avoiding Fees

    Monthly Fees

    Free checking has no monthly fees to worry about.

    Early Account Termination Fee

    I don’t see any early account termination fee mentioned.

    Our Verdict

    Better than the previous $200 bonus that was offered. Main downside for this bonus is the hard pull, but given how it’s difficult to get too many credit cards now I don’t think number of hard pulls matters as much anymore for most people. We will add this to our list of the best bank account bonuses.

    Hat tip to reader Jesse

    Useful posts regarding bank bonuses:

    William Charles

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  • [TX Only] Texas Trust Credit Union $100-$500 Checking Bonus – Doctor Of Credit

    [TX Only] Texas Trust Credit Union $100-$500 Checking Bonus – Doctor Of Credit

    Update 9/7/24: Valid until 12/31/2024.

    Offer at a glance

    • Maximum bonus amount: $500
    • Availability: TX only. You must (or be a family member of a person) live, work or worship in one of the following counties: Dallas, Tarrant, Henderson, Ellis (Midlothian), Johnson, Denton (Flower Mound), or Tom Green (San Angelo)
    • Direct deposit required: Yes, $3,000-$10,000+
    • Additional requirements: See below
    • Hard/soft pull: Hard pull
    • ChexSystems: Unknown
    • Credit card funding: None
    • Monthly fees: $10, avoidable
    • Early account termination fee: 180 days, bonus forfeit
    • Household limit: None listed
    • Expiration date: July 31, 2024

    The Offer

    Direct link to offer

    • Texas Trust Credit Union is offering bonus of up to $500. Bonuses are as follows:
      • With qualifying direct deposits totaling $3,000 within the first 90 days of account opening get $100
      • With qualifying direct deposits totaling $5,000 within the first 90 days of account opening get $300
      • With qualifying direct deposits totaling $10,000 within the first 90 days of account opening get $500

    The Fine Print

    • Account holder must make 2 or more qualifying direct deposits totaling a minimum of $10,000 or more within 90 days of account opening to receive $500. Only new Bonus Checking account holders are eligible for this offer. Incentive Reward tiers are based on total qualified direct deposit amount. Account holder must deposit $3,000 to $4,999.99 to earn the $100 bonus, $5,000 to $9,999.99 to earn the $300 bonus or $10,000 or more to earn the $500 bonus.
    • Incentive Reward tiers cannot be combined. Eligible members will receive their incentive deposited into their Bonus Checking account within 30 business days after the 90-day period has lapsed. A qualifying direct deposit is an electronic deposit of your paycheck or government benefits, such as Social Security, from your employer, or the government. Other electronic deposits or person-to-person payments, including but not limited to: Zelle, PayPal, cash, check, and ATM deposits are not considered a qualifying direct deposit for this offer. Accounts must be open and in good standing to receive incentive reward. Account must remain open for 180 days from account opening. Closing the account before the 180-day period may result in incentive reward being withdrawn. Incentive reward may be reported as interest earned on IRS form 1099-INT, and recipient is responsible for any applicable taxes. Offer limited to one member per account and may not be used for multiple bonus checking accounts. Offer and terms subject to change without notice. Offer expires July 31, 2024
    • 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 a $10 monthly fee, this is automatically waived for the first two months.

    • Eigible fee discounts include:
    • Active debit card Use: $2 (Active Debit Card is 10 non-ATM Point-of-Sale transactions per month totaling at least $100);
    • Online Communication and Banking: $2 (must be actively enrolled);
    • Senior age 55+: $2 (discount applied beginning on month of primary member’s 55th birthday);
    • Public Servant: $2 (Public Servant is any full time employee of a local public or private school district, or municipality including city, county, state, or federal. Must present a recent check stub to qualify or a letter of intent for new employees. Must also fulfill other membership requirements);
    • Active Bill Pay Use: $1 (Active Bill Pay Usage is paying three or more bills through Texas Trust’s Online Bill Pay in the previous month);
    • Membership 5+ Years: $1 (The 5+ Year Membership discount is applicable if today’s date is greater than five years from the day the member initially opened their Texas Trust share account);
    • Direct Deposit: $1 (A direct deposit or mobile deposit [or any combination of the two] totaling $500 or more per month is required to earn the Direct Deposit discount.

    Early Account Termination Fee

    Bonus is forfeit if the account is closed within 180 days of account opening

    Our Verdict

    Keep this account fee free is basically impossible, but you do get the first two months fee free. You need to keep account open for 180 days so expect to pay 4-5 months of fees ($40-$50 but can be reduced somewhat). Unfortunately it’s also a hard pull and we don’t have data points on what works as a direct deposit. Might be worth it for the $300 and $500 tiers but too much hassle for the $100 tier.

    Hat tip to reader Avi

    Useful posts regarding bank bonuses:

    William Charles

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  • [CA only] SAFE Credit Union $500 Checking Bonus – Doctor Of Credit

    [CA only] SAFE Credit Union $500 Checking Bonus – Doctor Of Credit

    Offer at a glance

    • Maximum bonus amount: $500
    • Availability: If you live or work in our geographic reach, we want YOU with us. Geographic Reach: Sacramento, Placer, El Dorado, Yolo, San Joaquin, Contra Costa, Solano, Yuba, Sutter, Butte, Nevada, Alameda, and Amador Counties.
    • Direct deposit required: Yes, $1,000+
    • Additional requirements: See below
    • Hard/soft pull: Hard pull (report of soft pull)
    • ChexSystems: Unknown, sensitive
    • Credit card funding: Up to $250
    • Monthly fees: $5, avoidable
    • Early account termination fee: None
    • Household limit: None listed
    • Expiration date: None

    The Offer

    Direct link to offer

    • Safe Credit Union is offering a bonus of $500 when you open a new Perfect Cents Checking and complete the following requirements within 60 days:
      • enroll in eStatements
      • receive $1,000+ in direct deposits
      • complete 30 debit card purchase transactions.
    • Open a Level Up Money Market account and earn $50. Within 30 days of account opening, have a minimum of $5,000 in your account.

    The Fine Print

    • You can’t have a current or recently closed (past 12 months) SAFE checking account.
    • All bank account bonuses are treated as income/interest and as such you have to pay taxes on them

    Avoiding Fees

    Monthly Fees

    To avoid the $5 monthly service fee, you must be enrolled in eStatements and you must have a minimum of 10 or more debit (and/or credit) card purchase transactions post each month or direct deposits totaling $500 or more per month.

    Early Account Termination Fee

    I wasn’t able to find any early account termination fee in the fee schedule.

    Our Verdict

    Better than the $400 bonus that was previously offered. Hopefully it’s a soft pull now but even if it’s a hard pull I think it’s worth doing and will add it to the best bank bonuses.

    Hat tip to reader Ryan H

    Useful posts regarding bank bonuses:

    William Charles

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  • [FL] Community Credit Union Florida $300 Checking Bonus + $200 Savings Bonus – Doctor Of Credit

    [FL] Community Credit Union Florida $300 Checking Bonus + $200 Savings Bonus – Doctor Of Credit

    Update 8/24/24: Deal is back and valid until November 1, 2024. 

    Update 5/25/24: Deal is back, there is also a $200 savings bonus now as well. Valid until August 2, 2024. 

    Offer at a glance

    • Maximum bonus amount: $300
    • Availability: Restricted to the following FL counties: Brevard, Polk, Osceola, Volusia, Orange, Indian River
    • Direct deposit required: Yes, $2,500+
    • Additional requirements: See below
    • Hard/soft pull: Hard pull
    • ChexSystems: Unknown
    • Credit card funding: Unknown 
    • Monthly fees: None
    • Early account termination fee: Unknown
    • Household limit: None
    • Expiration date: April 26, 2024

    The Offer

    Direct link to offer

    • Community Credit Union Florida is offering a $300 checking bonus when the following requirements are met:
      • Open a new checking account with CCU Florida with promo code MK-$300Checking
      • Deposit $1,500 within 60 days of account opening.
      • Establish a monthly direct deposit of at least $1,500 for the next 90 days.
      • Sign up for free eStatements.
    • There is also a $200 savings bonus when the following requirements are met:
      • Open a new savings account with CCU Florida with promo code MK-$300Checking
      • Deposit a total of $15,000 or more into the new CCU Florida Share Savings account within 30 days of account opening.
      • Maintain a balance of $15,000 or more for 90 days.
      • Available for Membership Share Savings and Premium Share Savings only.

    The Fine Print

    • The promotional code MK-$300Checking must be mentioned at time of account opening or entered as a promo code in the online application when applying online.
    • Checking offer is not available to existing CCU Florida checking account holders or those who have closed an account within the past 12 months.
    • Savings offer is not available to existing CCU Florida savings account holders and requires a new checking account be established to receive the savings bonus.
    • To receive the checking bonus, you must: 1) Open a new CCU Florida checking account, which is subject to approval; 2) Establish a monthly direct deposit of $2,500 or more into your account within 60 days of account opening and continue the monthly direct deposit of $2,500 or more into your account for 90 days. Direct deposit needs to be an electronic deposit of a paycheck, pension, or government benefits (such as Social Security) from your employer or the government. Transferring money from an outside account or using a person-to-person transfer through a service such as Zelle® are not considered a direct deposit; Incentive payout will be posted by the 5th of the month, following the 90 days after meeting the above requirements.
    • All bank account bonuses are treated as income/interest and as such you have to pay taxes on them

    Avoiding Fees

    Monthly Fees

    Free checking plus has no monthly fees to worry about.

    Early Account Termination Fee

    I wasn’t able to find the fee schedule to check for an EATF.

    Our Verdict

    Better than the previous $100/$125 bonus. It’s a shame it’s a hard pull but that is less of an issue for most people these days so we will add it to the best bank account bonus page.

    Useful posts regarding bank bonuses:

    William Charles

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  • [FL] Achieva Credit Union $250 Checking Bonus – Doctor Of Credit

    [FL] Achieva Credit Union $250 Checking Bonus – Doctor Of Credit

    Offer at a glance

    • Maximum bonus amount: $250
    • Availability: Can apply out of state for with a donation to Achieva Foundation along with one-time membership fee of $15 ($25 total)
    • Direct deposit required: Yes, two $500+
    • Additional requirements: See below
    • Hard/soft pull: Hard pull
    • ChexSystems: Unknown, Chexsystems sensitive
    • Credit card funding: None
    • Monthly fees: None
    • Early account termination fee: Unknown
    • Household limit: None
    • Expiration date:  August 20, 2024

    The Offer

    Direct link to offer

    • Achieva Credit Union is offering a $250 bonus when you open a new checking account and complete the following requirements
      • Offer requires two (2) or more newly established qualified direct deposit(s) totaling $500 or more per month within ninety (90) days of account opening

    The Fine Print

    • $250.00 bonus offer open to primary members 18 years of age or older, opening a new Achieva Checking or Achieva Checking Plus account in-person, online or via our Member Service Center as the primary member with a debit card between May 22, 2024 and August 20, 2024.
    • Member cannot have had a checking account within the last ninety (90) days.
    • Limit of one (1) $250.00 bonus offer per primary member.
    • All accounts subject to eligibility and approval requirements.
    • A $15 lifetime membership fee is required with a $1 deposit to open your membership account and cannot be paid with bonus offer proceeds.
    • No minimum balance required.
    • Offer is also available for new Achieva Checking account holders, however this account is non-interest bearing.
    • Offer requires two (2) or more newly established qualified direct deposit(s) totaling $500 or more per month within ninety (90) days of account opening.
    • A qualifying direct deposit is a recurring direct deposit of a paycheck, pension, social security, or other regular monthly income electronically deposited into a checking account. Examples of non-qualifying transfers and deposits include the following: teller deposits, wire transfers, debit card transfers, ATM transfers or deposits, Online and Mobile Banking transfers or deposits, person-to-person payments, cash advance, transfers from a bank or brokerage account, or other electronic deposits.
    • Bonus offer(s) will be paid to account memberships in overall good standing within ninety (90) days of satisfying minimum direct deposit requirement.
    • Direct deposit must be continuous and active at the time bonus is paid.
    • Only one bonus will be paid per primary member meeting qualifications.
    • Primary members who are joint on another share account are only eligible with a new qualifying direct deposit. Bonus offer(s) may be taxable and are the sole responsibility of the recipient. Offer(s) may be withdrawn or changed at any time without notice.
    • 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

    Wasn’t able to locate a fee schedule so unsure.

    Our Verdict

    Worth doing if you don’t mind the hard pull.

    Useful posts regarding bank bonuses:

    William Charles

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  • [FL only] GTE Financial $200 Checking Bonus – Doctor Of Credit

    [FL only] GTE Financial $200 Checking Bonus – Doctor Of Credit

    Update 6/29/24: Deal is back and valid until 7/31/24. Hat tip to reader Bockrr

    Update 9/7/22: Deal is back and valid until 10/31/22.

    Update 4/3/22: Deal is back and valid until 5/31/22.

    Bonus is now FL only

    Update 11/1/21: Deal is back, no end date listed this time. Hat tip to reader Gadget.

    Offer at a glance

    • Maximum bonus amount: $200
    • Availability: All locations are in FL, but anybody can become a member by joining CU Savers Club, which is free
    • Direct deposit required: Yes, $500 or more
    • Additional requirements: Use promo code
    • Hard/soft pull: Hard pull
    • ChexSystems: Yes
    • Credit card funding: Up to $500
    • Monthly fees: $4.95, avoidable
    • Early account termination fee: Closed Account Within 180 Days: $25 fee (or balance if <$25)
    • Household limit: None listed
    • Expiration date: October 31, 2021 None

    The Offer

    Direct link to offer

    • GTE Financial Credit Union is offering a bonus of $200 when you open a new checking account and complete the following requirements:
      • Use promo code JOIN200
      • Receive a direct deposit of $500 or more

    The Fine Print

    • Offer valid for new GTE Members only.
    • To qualify, new members must open a Go Premium with GTE Secure, Go Full Access, or Go Further checking account.
    • In addition, new members must have direct deposit set-up totaling $500 or more per month within the first 60 days of account opening.
    • Direct deposit must come from an external source, such as an employer or government agency, direct deposits from another GTE Financial account do not meet the qualifications of this incentive offer.
    • New members must also use promotional code JOIN200 at the time of application. GTE Financial reserves the right to end this promotion at any time.
    • This offer cannot be combined with other incentive offers from GTE Financial.
    • Account incentive will be deposited into member’s account within 10 business days from meeting all qualifications for promotion. Federally Insured by NCUA.
    • All bank account bonuses are treated as income/interest and as such you have to pay taxes on them

    Avoiding Fees

    Monthly Fees

    Go full access has a $4.95 fee that can be waived by enrolling in eStatements AND making $500 in aggregate deposits per month OR making a combination of 15 monthly debit and/or credit card transactions.

    Early Account Termination Fee

    Closed Account Within 180 Days: $25 fee (or balance if <$25)

    Our Verdict

    GTE Financial has offered a $100 checking bonus with no direct deposit required and a $200 checking bonus, but the previous $200 bonus had a monthly fee that couldn’t be avoided. I suspect we might see this bonus pulled before the end date so if you’re interested then sign up sooner rather than later. Some people might prefer the $100 bonus as no direct deposit is required. We will add this to our best checking bonuses.

    Hat tip to IS250

    Useful posts regarding bank bonuses:

    William Charles

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  • [AZ only] Arizona Central Credit Union $500 Checking Bonus – Doctor Of Credit

    [AZ only] Arizona Central Credit Union $500 Checking Bonus – Doctor Of Credit

    Update 4/18/24: Bonus is now up to $500

    • $250 ONE-TIME bonus to new member with $500 minimum monthly direct deposit.
    • $500 ONE-TIME bonus to new member with $1,000 minimum monthly direct deposit.

    Both bonuses require the following:

    • All requirements must be met within 60-days of account opening.
    • Monthly direct deposits for a minimum of $500
    • Signed up and currently enrolled in eStatements
    • 15 posted debit card transactions

    Update 12/2/23: Deal is back and valid until 12/31/2024. Hat tip to reader Monica

    Update 1/5/22: Extended through 12/31/2022

    Update 2/13/21: Deal is back and valid through December 31, 2021.

    Offer at a glance

    • Maximum bonus amount: $200
    • Availability: AZ only
    • Direct deposit required: Yes, $250+ per month
    • Additional requirements: Enroll in eStatements and perform at least 10 check card transactions
    • Hard/soft pull: Hard pull (Equifax)
    • Credit card funding: Unsure
    • Monthly fees: $5-$15, waive able
    • Early account termination fee: Bonus clawed back if closed within six months
    • Expiration date: December 31st, 2014  December 31st, 2016 December 31st, 2018 December 31st, 2019

    The Offer

    Direct link to offer

    • Receive a $200 bonus from Arizona central credit union when you:
      • Receive a direct deposit of at least $250/month
      • Sign up and enroll in eStatements
      • Perform at least ten signature based check card transactions

     

    The Fine Print

    • $200 bonus will be deposited within ten days of completing the bonus requirements
    • Bonus requirements must be completed within 60 days of account opening
    • Only available to new members with no existing accounts at ACCU
    • Considered a new member as long as your account was cancelled twelve months prior to opening this new account
    • All bank account bonuses are treated as income/interest and as such you have to pay taxes on them

    Avoiding Fees

    It’s necessary to maintain a balance of at least $25 at all times.

    AzStyle Checking Account $5 Monthly

    The $5 monthly fee is waived if you have 10 or more signature based transactions using your check card.

    MyStyle Checking Account $10 Monthly

    The monthly fee is waived if you are enrolled in eStatements and receive a direct deposit of $250 or more

    There are also the HighStyle checking account that has a $15 monthly fee which is waived if you have a balance above $5,000 and teen checking or iStyle account for those between 13-23 which is free.

    Early Account Closure Fee

    If the account is closed within 6 months then you will forfeit the $200 bonus.

    Our Verdict

    I don’t live in Arizona, but even if I did I wouldn’t be completing this deal. A hard pull with Equifax makes this a dead-killer, you’d be better off signing up for a credit card with a cash bonus. Aside from that the number of signature debit card transactions is also prohibitive (10 for the bonus and another 10 per month for six months to keep it fee free) and we aren’t sure if anything other than a real employer payroll or government benefit will trigger this bonus.

    If you do decide to go for this bonus, I’d recommend reading our listing of better deals first. We’ve added this to the list of state specific checking bonuses. Also let us know if you were able to fund with a credit card and how much you were able to and what counted as a direct deposit.

    Post history:

    • Update 1/18/2020: Deal is back and available through December 31st, 2020.
    • Update 01/17/18: Deal is back and available through December 31st, 2019. Still not worth doing due to the hard pull.
    • Update 01/17/18: Deal is back and available through December 31st, 2018. Still not worth doing due to the hard pull.
    • Update: Deal is back and now expires December 31st, 2016. Still not worth doing due to the hard pull.

    William Charles

    Source link

  • [MN] Blaze Credit Union $150 Checking Bonus, Direct Deposit Not Required – Doctor Of Credit

    [MN] Blaze Credit Union $150 Checking Bonus, Direct Deposit Not Required – Doctor Of Credit

    Offer at a glance

    • Maximum bonus amount: $150
    • Availability: MN
    • Direct deposit required: No
    • Additional requirements: See below
    • Hard/soft pull: Hard pull
    • ChexSystems: Unknown
    • Credit card funding: Up to $500
    • Monthly fees: None
    • Early account termination fee: Bonus forfeit, six months
    • Household limit: Unknown
    • Expiration date: 3.31.24

    The Offer

    Direct link to offer

    • Blaze Credit Union is offering a $150 checking bonus when you open a free checking account and complete the following requirements:
      • set up an Automatic Payment or Direct Deposit
      • Make a total of six Blaze debit card transactions (not including ATM transactions) within 60 calendar days from the date the account was opened

    The Fine Print

    • Offer valid to persons with no prior checking relationship with SPIRE, Hiway or Blaze Credit Union in the last 12 months. $100 minimum deposit required to open Blaze Free, Rox, Saints, Wild or Pathfinder Checking account.
    • To qualify for $150 offer, account holder must set up an Automatic Payment or Direct Deposit and make a total of 6 Blaze debit card transactions (not including ATM transactions) within 60 calendar days from the date the account was opened.
    • Account must remain open for six months.
    • $150 will be deposited to the checking account upon account opening.
    • If all requirements of offer are not met, Blaze reserves the right to reclaim the $150.
    • Account holder responsible for any applicable taxes. L
    • imited time offer valid 1.01.24 – 3.31.24. Subject to termination at any time. Other conditions and restrictions may apply.
    • 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

    Early Account Termination Fee

    Account needs to be kept open for six months or bonus will be forfeit.

    Our Verdict

    Blaze is a combination of HiWay & SPIRE credit union, we have covered them in the past. You won’t be eligible if you’ve had an account with either in the past. Bonus seems pretty good as a direct deposit isn’t required. It is a hard pull but we will add it to the best bank account bonuses.

    Useful posts regarding bank bonuses:

    William Charles

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  • [TN, KY] Cornerstone Financial Credit Union $250 Checking Bonus – Doctor Of Credit

    [TN, KY] Cornerstone Financial Credit Union $250 Checking Bonus – Doctor Of Credit

    Offer at a glance

    • Maximum bonus amount: $200
    • Availability: Must be a Tennessee or Kentucky resident.
    • Direct deposit required: Yes, $250+
    • Additional requirements: See below
    • Hard/soft pull: Hard pull
    • ChexSystems: Unknown
    • Credit card funding: Unknown
    • Monthly fees: None
    • Early account termination fee: Unknown
    • Household limit: None listed
    • Expiration date: None listed

    The Offer

    Direct link to offer

    • Cornerstone Financial Credit Union is offering a bonus of up to $250 when you open a new  checking account and complete the following requirements
      • Receive $50 right away when you open your first checking account at Cornerstone.
      • Receive $50 when you register for digital banking and enable e-statements.
      • Receive $50 each month when you spend at least $500 with your Visa debit card. Offer good for three consecutive months.

    The Fine Print

    • All bank account bonuses are treated as income/interest and as such you have to pay taxes on them

    Avoiding Fees

    Monthly Fees

    easyChecking has no monthly fees to worry about

    Early Account Termination Fee

    I wasn’t able to find a fee schedule, so unsure if there is any early account termination fee or not.

    Our Verdict

    Annoying that it’s a hard pull and you need to do $1,500 in debit card spend, but always nice to see bonuses without direct deposit requirements and better than the previous $200 deal that was in branch.

    Useful posts regarding bank bonuses:

    William Charles

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  • [ID, WA, OR only] Idaho Central Credit Union (ICCU) $150 Checking Bonus Direct Deposit Not Required – Doctor Of Credit

    [ID, WA, OR only] Idaho Central Credit Union (ICCU) $150 Checking Bonus Direct Deposit Not Required – Doctor Of Credit

    Update 12/11/23: Deal is back and valid until 12/31/2023. Hat tip to J2

    Update 4/16/23: Deal is back and valid until 05/31/2023. Hat tip to reader Davis

    Update 11/1/22: Link with the extra $50 for financial review is back.

    Update 10/14/22: Deal is back, the extra $50 for the financial review is not offered this time. Hat tip to Sneeding Sneed

    Offer at a glance

    • Maximum bonus amount: $150
    • Availability: Must live or work in Ada, Adams, Bannock, Bear Lake, Bingham, Blaine, Boise, Bonneville, Butte, Camas, Canyon, Caribou, Cassia, Clark, Custer, Elmore, Franklin, Fremont, Gem, Gooding, Jefferson, Jerome, Kootenai, Lemhi, Lincoln, Madison, Minidoka, Oneida, Owyhee, Payette, Power, Shoshone, Teton, Twin Falls, Valley, and Washington Counties in Idaho or Jackpot, Nevada.
    • Direct deposit required: None
    • Additional requirements: See below
    • Hard/soft pull: Soft pull
    • ChexSystems: Unknown
    • Credit card funding: Unknown
    • Monthly fees: None
    • Early account termination fee: Six months, bonus forfeit
    • Household limit: None listed
    • Expiration date: December 31, 2020 June 30, 2021 December 31, 2021

    The Offer

    Direct link to offer

    • Idaho Credit Union is offering a bonus $150 when you open a new checking account and complete the following requirements:
      • Use promo code MY150
      • Set up eBranch
      • Set up eStatements
      • Receive a debit card
    • Get Another $50 When You Complete A Financial Review With An ICCU Officer In Branch Or Via Videochat

     

    The Fine Print

    • To receive $150 you must be a new member and open a checking account with a $100 minimum balance and have eBranch, eStatements, and a Debit Card.
    • $150 to be deposited at time of signing up for eBranch, eStatements, and Debit Card in conjunction with membership and checking account.
    • Membership required, based on eligibility.
    • Membership at ICCU requires a Share Savings Account with minimum opening deposit of $25 and a one-time $5 membership fee.
    • Account must remain open for minimum of six months from reward date or $150 will be debited from account at closing.
    • Offer expires 12/31/20.
    • All bank account bonuses are treated as income/interest and as such you have to pay taxes on them

    Avoiding Fees

    Monthly Fees

    They offer a free checking account with no monthly fees.

    Early Account Termination Fee

    Account must be kept open for six months otherwise bonus is forfeit.

    Our Verdict

    This is now a soft pull to open, making it worth doing if you haven’t already. We will be adding this to our list of the best bank account bonuses.

    Hat tip to reader Davis

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    Post history:

    • Update 11/6/21: Deal is back and valid until 12/31/21.
    • Update 5/14/21: Also available in WA & OR.
    • Update 5/8/21: Deal is back, there is another $50 bonus if you do a financial review. Hat tip to reader Joe

    William Charles

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  • [KS & MO only] CommunityAmerica Credit Union $200 Checking Bonus – Doctor Of Credit

    [KS & MO only] CommunityAmerica Credit Union $200 Checking Bonus – Doctor Of Credit

    Update 11/11/23: Deal is back and valid until 12/10/2023.

    Update 7/4/22: Extended until 07/17/2022.

    Update 5/12/22: Deal is back, but now for $200 instead of $150.

    Offer at a glance

    • Maximum bonus amount: $150
    • Availability:  Must live, work or worship in select MO & KS counties:
      • MO: Clay, Jackson, Platte, St. Louis
      • KS:  Douglas, Jackson, Jefferson, Johnson, Leavenworth, Miamia, Shawnee, Wyandotte
    • Direct deposit required: Yes, $250+
    • Additional requirements: eStatements & provde e-mail address
    • Hard/soft pull: Hard pull
    • ChexSystems: Unknown
    • Credit card funding: At least $5,000
    • Monthly fees: None
    • Early account termination fee:
    • Household limit: None listed
    • Expiration date: October 31, 2020 December 31, 2020 6/30/2022

    The Offer

    Direct link to offer

    • CommunityAmerica Credit Union is offering a bonus of $200 when you open a new Chiefs checking account and complete the following requirements within 45 days of account opening:
      • Provide your email address.
      • Enroll in eStatements.
      • Set up a recurring monthly direct deposit of at least $250, not aggregated.

     

    The Fine Print

    • The direct deposit needs to be an electronic deposit of your paycheck, pension or government benefits from your employer or the government. Person to person payments (such as Popmoney) are not considered a direct deposit.
    • Within 30 days of meeting qualification requirements, a $150 credit will be posted into the primary account owner’s membership savings account. The account must be open and in good standing at the time of payout to qualify for the credit.
    • Examples of ineligible accounts may include: delinquent accounts, accounts that have caused the credit union to experience a loss, accounts in which we suspect illegal activity, fraud, scam or financial exploitation, or accounts involved in legal or administrative proceedings.
    • Limit one $150 credit per account and per member. Offer subject to change without notice and cannot be combined with any other offer.
    • The credit may be reported as income on IRS Form 1099-MISC.
    • 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

    I don’t see any early account termination fee mentioned. Last time this bonus was offered the accounts need to stay open for six months otherwise bonus was forfeited.

    Our Verdict

    Not really worth considering due to the hard pull, previously we’ve seen the same bonus with no direct deposit requirement as well. Because of this we won’t add this to our best bank bonus page.

    Useful posts regarding bank bonuses:

    William Charles

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  • [MN, WI, TN, TX] Altra Federal Credit Union $150 Checking Bonus – Doctor Of Credit

    [MN, WI, TN, TX] Altra Federal Credit Union $150 Checking Bonus – Doctor Of Credit

    Update 11/11/23: Bonus is back but only in branch. [Branch locations]. Direct deposit is required this time ($150 or $250 depending on the account).

    Offer at a glance

    • Maximum bonus amount: $150
    • Availability: Says Rochester Public School District, but previously these offers have worked in MN, WI, TN, TX
    • Direct deposit required: No
    • Additional requirements: Promo code + 10 debit card purchases
    • Hard/soft pull: Hard pull
    • ChexSystems: Unknown
    • Credit card funding: Unknown
    • Monthly fees: None
    • Early account termination fee: $15, 90 days
    • Household limit: None
    • Expiration date: December 31, 2021

    The Offer

    Direct link to offer

    • Altra Bank is offering a bonus of $150 when you open a new A+ checking or A+ Platinum account and complete the following requirements:
      • Use promo code RPSD_A+150
      • Make 10 debit card transactions within 30 days of account opening

    The Fine Print

    • $150 cash bonus available for new Altra members who open a new Altra membership and an A+ Platinum or A+ Checking account in person or online;
    • Offer void for current Altra members or if Altra membership has been closed within the last 30 days.
    • To receive offer, initial minimum ten (10) Altra debit card transactions must be posted within thirty (30) days of account opening. ATM transactions do not qualify; Only debit card transactions processed by merchants and received by Altra as Point of Sale (POS) transactions count towards qualifying debit card transactions. $150 will be deposited into new checking account within 30 business days of initial ten (10) debit card transactions posted. One A+ Checking or A+ Platinum account per member; one offer per member; personal accounts only; not available to Guardianship, Rep Payee, or UTMA accounts.
    • Offer valid for members age 16 and older.
    • A parent must co-sign if under age 18.
    • For tax purposes, cash bonus may be reported as dividends.
    • Membership eligibility required.
    • Limited time offer. Cannot be combined with any other checking bonus.
    • Contact Altra for complete details.
    • All bank account bonuses are treated as income/interest and as such you have to pay taxes on them

    Avoiding Fees

    Monthly Fees

    A+ checking account has no monthly fees to worry about.

    Early Account Termination Fee

    There is a $15 fee if closed within 90 days of account opening.

    Our Verdict

    Pretty good bonus, main issue is knowing if you’re actually eligible or not. In the past there was a $190 bonus and up to $700. This bonus is nice and easy though with no direct deposit required, although there is a hard pull.

    Hat tip to Ashley R

    Useful posts regarding bank bonuses:

    William Charles

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