(NY Only) Summit Federal Credit Union Up to $150 Checking Bonus – No Direct Deposit Required


Update 7/18/26: The deal is back up 31.12.26

Update 2/8/26: The deal is back in this new relationship until 3/31/26. Dates vary from last time. 50 POS transactions from 5/31/26 Reader tip ion

Update 8/2/25: The deal is back up 15.11.25. Dates vary from last time. Hat tip to the reader D

Update 3/1/25: The deal is back, the requirements are different than last time. Hats off to him ShawntheShawn

Update 9/11/22: The deal is back. Hats off to him alopecia14

Update 3/26/22: The offer is back, this time you can only order one debit card, so the max is $150 instead of $300.

Offer at a glance

  • Maximum bonus amount: 150 dollars
  • Availability: NY only (branch finder). Must live, work, worship, volunteer, or attend school within the geographic boundaries of the City of Rochester, City of Bualo, City of Syracuse, City of Geneva, City of Tonawanda, City of Henrietta, City of Amherst, City of Tonawanda, or Cortland County
  • Direct deposit required: ANY
  • Additional requirements: 20 debit card transactions
  • Hard/soft pull: Gentle pull
  • ChexSystems: Unknown
  • Credit card financing: Unknown
  • Monthly fees: $5, avoidable
  • Early account closure fee: The account must remain open until 30.9.19
  • Family boundary: ANY
  • Expiration date: None listed but must complete debit card transactions by May 31, 2019

Offers

New connection | Direct link to the offer

  • Summit Federal Credit Union offers a $150 bonus when you open a new checking account and meet the following requirements:
    • To receive the one-time $25 debit card and RoundUp Savings opening bonus, you must order a new debit card and open a RoundUp Savings account between 1/2/25 and 3/31/25.
    • To receive the $50 bonus, you must complete 20 POS transaction postings to your account by 5/31/25 and the card and account must remain open until 9/30/25.
    • Earn up to two special one-time bonuses totaling $75 that The Summit will deposit into your RoundUp Savings when your RoundUp Savings account reaches a balance of $250 ($25 bonus) and $500 ($50 bonus).

Fine Press

  • Offer limited to members who have not had a debit card in the last 12 months. Limited to 2 cardholders per account (up to $300 maximum with Premium Checking or $150 maximum with Enhanced Checking).
  • To receive the $150 bonus with Premium Checking or $75 with Enhanced Checking, you must order a new debit card between 2/4/19 and 3/31/19, have 20 point-of-sale transactions posted to your account by 5/31/19, and the card and account must remain open until 9/30/19.
  • Please allow 4-6 weeks after qualifying to receive your gift.
  • The cash bonus will be reported and you will receive IRS Form 1099-INT.
  • Any applicable taxes are the responsibility of the member.
  • Offer subject to change at any time at our discretion without notice.
  • The account maintenance fee is waived if you meet certain conditions. See branch for details.
  • All bank account bonuses are treated as income/interest and as such you must pay tax on them

Avoidance of fees

Monthly fees

The Premium checking account (required for the $150 bonus) has a monthly fee of $5. This is waived if you have a daily balance of $1,000 or more.

Early account termination fee

The account must remain open until 30.9.19, otherwise it appears the bonus will be forfeited.

Our verdict

Sounds like an amazing offer, especially if you can do it twice per account for a total bonus of $300. It is not clear whether you will be able to open over the phone/online or if you will eventually have to go to a branch. Definitely worth doing if it’s a soft pull, if anyone goes for this bonus then please share your experiences in the comments below.

Big thanks to reader Curmudgeon for tipping us off. Learn how to find bonuses and contribute to the site here.

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