Update 4/11/26: The deal is back, but now requires a direct deposit.
- Deposit $1,000-1,999.99 get 150 dollars
- Deposit $2,000-2,999.99 get 250 dollars
- Deposit $3,000+ get 350 dollars
The terms also now say ‘The advertised bonus cannot be combined with any other offer’ so it may not be cumulative with a referral. Please do share your recommendations in the comments below.
Postponed until 31.12.25
Update 10/19/25: The deal is back until 10/31/25. Bonus now $350 and no direct deposit required
Extended until 31/3/2025
It extends until 31/12
Update 8/24/24: The bonus is now $200. Hats off to him DN_03755
Offer at a glance
- Maximum bonus amount: 200 dollars
- Availability:
- Individuals who live, work, worship, or attend school in New York City (NYC)
- Individuals working for New York State (NYS) or Federal Employers
- Direct deposit required: Yes, $200+
- Additional requirements: ANY
- Hard/soft pull: Gentle pull
- ChexSystems: yes
- Credit card financing: No.
- Monthly fees: ANY
- Early account closure fee: Unknown
- Family boundary: None listed
- Expiration date: December 31, 2025
Offers
- MCU is offering a $350 bonus when you open a new free checking account and meet the following requirements (the deposit is a direct deposit):
- Deposit $1,000-1,999.99 get 150 dollars
- Deposit $2,000-2,999.99 get 250 dollars
- Deposit $3,000+ get 350 dollars
Fine Press
- You must open a Checking Account with MCU between 5/1/24 and 6/30/24 linked by direct deposit or payroll deduction to receive $100.
- Limit one account opening bonus per qualifying account.
- If the requirements are met, $100 will be deposited into your account on 8/9/2024.
- Offer not available to individuals who were the primary account holder of an MCU checking account in the last 12 months.
- The account must not be closed or restricted during the promotion period.
- Offer subject to cancellation without notice. Account opening is subject to approval.
- 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
I was not able to find a fee schedule so uncertain if there is any EATF.
Our verdict
You need to know if it is a hard or soft pull.
Hats off to him Bockrr
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