[TX, MN, KS] Unity One Credit Union $250 Checking Bonus

Update 9/29/24: Bonus has increased to $250, direct deposit requirements reduced. Hat tip to ShawntheShawn

Offer at a glance

• Maximum bonus amount:
• Availability: TX, MN, KS
• Direct deposit required: Yes, $2,500+ for the full bonus
• Additional requirements: None
• Hard/soft pull: Unknown
• ChexSystems: Unknown
• Credit card funding: Unknown
• Monthly fees: None
• Early account termination fee: None
• Household limit: None
• Expiration date: None listed

The Offer

Direct link to offer

• Unity One Credit Union is offering a $200 checking bonus, bonus is broken down as follows:
  • $100 if you have a recurring direct deposit of $500 or more per month
  • $250 if you have a recurring direct deposit of $1,500 or more per month

The Fine Print

• Bonus offer valid for new Best Free Checking accounts only.
• No other checking accounts qualify for bonus.
• Member must not have a current or prior checking account with Unity One Credit Union.
• One bonus offer per social security number or ITIN number.
• Allow up to 90 days from account opening to receive cash back deposit.
• Earn cash back for the following actions within 45 days of account opening: Receive $100 when you open a new Best Free Checking account, subject to approval, and have a recurring direct deposit of $1,000 or more per month.
• Cash back increases to $200 if direct deposit reaches $2,500 or more per month.
• Your direct deposits need to be an electronic deposit of your paycheck, pension or government benefits (such as Social Security) from your employer or the government.
• Micro-deposits, Person-to-Person (such as Zelle®) and bank transfers between your Unity One accounts or accounts you have at other financial institutions or brokerages are not considered a direct deposit.
• 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 wasn’t able to find an EATF in the fee schedule

Our Verdict

If anybody decides to do this bonus, please share if it’s a hard or soft pull to open in the comments below. It should be worth doing if it’s a soft pull.

Hat tip to Bockrr

Useful posts regarding bank bonuses:

• A Beginners Guide To Bank Account Bonuses
• Bank Account Quick Reference Table (Spreadsheet) (very useful for sorting bonuses by different parameters)
• PSA: Don’t Call The Bank
• Introduction To ChexSystems
• Banks & Credit Unions That Are ChexSystems Inquiry Sensitive
• What Banks & Credit Unions Do/Don’t Pull ChexSystems?
• How To Use Our Direct Deposit Page For Bank Bonuses Page
• Common Bank Bonus Misconceptions + Why You Should Give Them A Go
• How Many Bank Accounts Can I Safely Open Within A Year For Bank Bonus Purposes?
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• Banks That Allow/Don’t Allow Out Of State Checking Applications
• Bank Bonus Posting Times