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Offer at a glance
- Maximum bonus amount: $400
- Availability: MI only
- Direct deposit required: No
- Additional requirements: See below
- Hard/soft pull: Soft pull
- ChexSystems: Unknown
- Credit card funding: Up to $5,000
- Monthly fees: None
- Early account termination fee: Unknown
- Household limit: None
- Expiration date: None listed
Contents
The Offer
- 4Front Credit Union is offering a $400 bonus when you open a new checking account with promo code 4Front400 and complete the following requirements for 3 consecutive months:
- Log in to mobile banking at least once
- Deposit $500 or more (direct deposit not required)
- Enroll in e-statements
- Make 15 or more purchases with your 4Front Debit MasterCard
The Fine Print
- Minimum balance to obtain the bonus is $1.00.
- The $400 bonus will be paid the first business day after the qualifying month.
- No open membership within the last 3 months.
- Bonus will be forfeited immediately if the account is not in good standing, account is closed prior to the bonus being paid or if the requirements each month have not been met.
- Limited time only
- 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 a fee schedule so unsure if there is any EATF.
Our Verdict
Really nice bonus as it doesn’t require any direct deposit. Bit annoying that you need to meet the debit card requirement for three months, but still worth doing for $400. We will add this to our list of the best bank account bonuses.
Hat tip to ShawntheShawn
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?
- Affiliate Links & Bank Bonuses – We Won’t Be Using Them
- Complete List Of Ways To Close Bank Accounts At Each Bank
- Banks That Allow/Don’t Allow Out Of State Checking Applications
- Bank Bonus Posting Times
Does anyone know if credit card funding is available for CD’s/bank accounts after the initial account opening? Also what is the cc funding limit if any? thank you
Anyone have a referral they are willing to share? Allthingsbigandsmallblog at gmail dot com Thank you so much!
I don’t think this credit union has a referral program
FINALLY paid out $400 bonus! Had to call in and have it manually posted due to all the debit card drama.
DP: couldn’t open online, so I went into a branch — while I sat waiting for rep, I tried the online app again, and it worked. I realized it probably failed 1st time because I was way OOS at the time of applying. Rep was unfamiliar w/ promo (how??? it’s even on billboards around here) and didn’t think it could apply to online applicants. But it did.
Opened 8/15
August: $500 push from US Bank
15+ Amazon $5 reloads
Sept: $500 push from Axos
15+ Amazon $5 reloads
Oct: $500 push from Axos
15+ Amazon $5 reloads
11/1 “Deposit/Deposit 4Front 400 Promo” $400
I’m glad they offered to print my debit card on the spot, after reading other comments about that issue.
Can anyone confirm whether CC funding is an option when opening additional accounts?
Another happy customer! Had some difficulties opening the account and getting approved, but eventually got it opened. Debit card did not ship, so I gave them a call and they got that sorted out. They waived the debit card requirement for the first month, which was really nice considering it took about 5 weeks to receive the card. I met the requirements by making small payments towards my electric bill (BWL). These were always in amounts just larger than a dollar, but below a dollar could possibly work… idk.
I figured I would have to call them to get the bonus to post because of the debit card snafu, but it posted on its own. I’m pretty stoked I didn’t need to talk to a rep (again) to get the bonus. Make sure to make your $500 deposit, estatements, and online banking in the first month as well as month 2 and 3 since I think that matters.
Bonus is expired, but I’ll put in my dp for reference.
7/8/24 – Applied for account online
7/11/24 – Application approved, $5000 initial CC funding
Waited for debit card for the stated time period to receive it, card never came.
7/28/24 – Went in branch and got a debit card printed. Was told that the debit card purchase requirement is waived for the first month (since most “first months” are partial months, and I only had 2 days at this point)
8/24 – Used Venmo transfers to P2 with debit card to meet transaction count. My previous debit card transaction method of Amazon reloads is not longer as effective due to Amazon’s recent $5 minimum. Deposited $500 from different bank account.
9/24 – Repeated same method as 8/24
10/2/24 – Received $400 bonus
Seems like they count the first calendar month toward the bonus, but don’t have the transaction requirements for the first month. I’ll hold onto the account for a while, since they have a solid interest rate and I trust credit unions to maintain their rates longer than regular banks as the Fed lowers their rates.
What CC did you use? And did it code as a purchase?
I had to call multiple times to get a debit card. The nearest branch is an hour away, so I couldn’t stop in. I finally got a card after my first statement had already closed and the agent had the requirements for the bonus waived for the first month. I believe I got this to finally work through the chat function. It’s frustrating, but it’s pretty typical for a smaller bank to have to jump through a few hoops.
Account opened: 7/3
Bonus posted: 9/3
Doesn’t it require 3 consecutive months?
You are right but I did get the bonus after meeting all the requirements for two consecutive months. To be safe, I will make sure all the requirements are met for September
I got it after two months too, making me nervous lol
opened account on 6/27, bonus received today 9/4.