Update 3/28/26: Offer back through 12/31/26. Hat tip to the reader Stark
Update 2/8/26: Offer back through 2/28/26. Hat tip to the reader snail
Offer at a glance
- Maximum bonus amount:
- Availability: Membership at TopLine Financial Credit Union is available to anyone who lives, works, worships, attends school or volunteers in Anoka, Benton, Carver, Chisago, Dakota, Hennepin, Isanti, Kanabec, Mille Lacs, Pine, Ramsey, Scott, Sherburne, Washington or Wright counties in MINNESOTAas well as employees and retirees of Anoka Hennepin School District #11, Anoka Technical College, Federal Premium Ammunition, Hoffman Enclosures, Inc., GRACO, Inc., and their affiliates. Immediate family members of existing members* are also eligible for membership.
- Direct deposit required: Yes, $1,000+ per month for three consecutive months
- Additional requirements: and Declaration
- Hard/soft pull: Unknown
- ChexSystems: Unknown
- Credit card financing: Unknown
- Monthly fees: ANY
- Early account closure fee: Unknown
- Family boundary: None listed
- Expiration date: December 31, 2025
Offers
- Topline Financial Credit Union offers a $300 bonus when you open a new checking account and meet the following requirements:
- Use promo code TL300
- Register for eStatements at account opening
- Get a direct deposit of $1,000+ for three consecutive months
Fine Press
- Offer is valid for individuals who have no prior checking relationship with TopLine Financial Credit Union in the last 12 months.
- $50 minimum deposit required to open a completely free checking account. To qualify for the $300 offer, the account holder must establish and make a direct deposit of $1,000 for 3 consecutive months and register for eStatements from the date the account was opened.
- The account must remain open for six months.
- The $300 will be deposited into the stock savings account about four weeks after claims are completed and will be reported as income on the account holders 1099-MISC.
- If all requirements are not met, TopLine reserves the right to reclaim the $300.
- Qualifying direct deposits are electronic deposits of regular periodic payments (such as salary, pension, social security or other regular monthly income) deposited through the Automated Clearing House (ACH) network into this account by your employer or an outside agency.
- Non-eligible direct deposits include, but are not limited to transfers from one account to another, electronic payment platforms (ie PayPal, Venmo, Zelle, etc.), mobile deposits, or deposits made at a branch or ATM. Account holder responsible for any applicable taxes.
- To qualify for the offer, your TopLine account must be open and in good standing at the time of fulfillment.
- The offer is valid until 31.12.25.
- All bank account bonuses are treated as income/interest and as such you must pay tax on them
Avoidance of fees
Monthly fees
This account has no monthly fees to worry about
Early account termination fee
The account must remain open for six months or the bonus must be forfeited.
Our verdict
Annoying that direct deposit is required for three months. If anyone has experience with this bank, please share your experiences in the comments below.
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