Update 4/18/24: Bonus is now up to $500
- $250 ONE-TIME bonus to new member with $500 minimum monthly direct deposit.
- $500 ONE-TIME bonus to new member with $1,000 minimum monthly direct deposit.
Both bonuses require the following:
- All requirements must be met within 60-days of account opening.
- Monthly direct deposits for a minimum of $500
- Signed up and currently enrolled in eStatements
- 15 posted debit card transactions
Offer at a glance
- Maximum bonus amount: $200
- Availability: AZ only
- Direct deposit required: Yes, $250+ per month
- Additional requirements: Enroll in eStatements and perform at least 10 check card transactions
- Hard/soft pull: Hard pull (Equifax)
- Credit card funding: Unsure
- Monthly fees: $5-$15, waive able
- Early account termination fee: Bonus clawed back if closed within six months
- Expiration date:
December 31st, 2014 December 31st, 2016 December 31st, 2018December 31st, 2019
Contents
The Offer
- Receive a $500 bonus from Arizona central credit union when you:
- $250 ONE-TIME bonus to new member with $500 minimum monthly direct deposit.
- $500 ONE-TIME bonus to new member with $1,000 minimum monthly direct deposit.
Both bonuses require the following:
- All requirements must be met within 60-days of account opening.
- Monthly direct deposits for a minimum of $500
- Signed up and currently enrolled in eStatements
- 15 posted debit card transactions
The Fine Print
- $200 bonus will be deposited within ten days of completing the bonus requirements
- Bonus requirements must be completed within 60 days of account opening
- Only available to new members with no existing accounts at ACCU
- Considered a new member as long as your account was cancelled twelve months prior to opening this new account
- All bank account bonuses are treated as income/interest and as such you have to pay taxes on them
Avoiding Fees
It’s necessary to maintain a balance of at least $25 at all times.
AzStyle Checking Account $5 Monthly
The $5 monthly fee is waived if you have 10 or more signature based transactions using your check card.
MyStyle Checking Account $10 Monthly
The monthly fee is waived if you are enrolled in eStatements and receive a direct deposit of $250 or more
There are also the HighStyle checking account that has a $15 monthly fee which is waived if you have a balance above $5,000 and teen checking or iStyle account for those between 13-23 which is free.
Early Account Closure Fee
If the account is closed within 6 months then you will forfeit the $200 bonus.
Our Verdict
Bonus is significantly better now that it’s for up to $500. There is a hard pull but these days this doesn’t matter as much. Definitely worth doing if you live in an eligible area and we will add this to our list of the best bank account bonuses.
Post history:
- Update 12/2/23: Deal is back and valid until 12/31/2024. Hat tip to reader Monica
- Update 1/5/22: Extended through 12/31/2022
- Update 2/13/21: Deal is back and valid through December 31, 2021.
- Update 1/18/2020: Deal is back and available through December 31st, 2020.
- Update 01/17/18: Deal is back and available through December 31st, 2019. Still not worth doing due to the hard pull.
- Update 01/17/18: Deal is back and available through December 31st, 2018. Still not worth doing due to the hard pull.
- Update: Deal is back and now expires December 31st, 2016. Still not worth doing due to the hard pull.
09/04/24 got denied in branch due to chex
“notice of adverse action”
I’ve been denied in-branch for Chex for 2 different FI. Let’s just say that it’s at least a tad embarrassing.
09/04/24 in branch
reject open due to Chex even though went in person
2nd half of the $250 bonus posted yesterday, which was one day after finishing my debits for the month of October.
when did you open?
https://www.doctorofcredit.com/az-only-arizona-central-credit-union-200-checking-bonus/#comment-1849692
Since then did 1 monthly DD and the debits.
Did not get the chance to take advantage of this offer. Details below:
2024-08-10: Applied online. Application was placed under review. Got “unsuccessful opening” email later that day.
2024-08-12: Called the support number listed in the email; rep told me that my app was denied due to frozen Chex/Equifax (although neither of those were frozen at the time of application…). I unfroze my LexisNexis and submitted another application online which again went to review.
2024-08-13: Another “unsuccessful opening” email. Rep told me that a Chex/QualiFile check failed.
2024-08-14: Visited ACCU in-branch. Rep greeted me as soon as I walked in and I said I wanted to open a new checking account. She immediately asked if I had a DL with a current address, I confirmed yes. She then stated that they will pull my ChexSystems which will check to see if I have any delinquent accounts. I confirmed that was okay. Next, she said they will place a hard pull on my credit to check if I had any duplicate SSNs or related questionable identity things. I asked if there were any ways to avoid that such as opting out of overdraft protection. She said unfortunately they could not bypass that part. I thanked her, told her I wasn’t willing to have a hard pull on my credit at this time, and left.
That was silly lol
What was?
Passing on an easy $500 for a HP.
Anyone looking for a $100 referral coupon bonus see message # 1874392 on 7/14
can someone email me a referall link to [email protected]
Sent you!
Any DP on Fidelity CMA counting as DD? Looks like it hasn’t been mentioned yet.
Question: Terms state DDs, 10 debit transactions, and eStatements must be completed within 60 days, but later in the terms, it states, “The above requirements must be met for 6 consecutive months.” Does this mean the DDs must continue for 6 months?
Update, got the first half of SUB ($250) posted 8/2 after 2nd DD on 7/29. Curious if i will get 2nd half if I stop the DDs (due to this phrase in the terms: “The above requirements must be met for 6 consecutive months.”).
when did you sign up? i was expecting the first half of sub ($250) and the referred bonus ($100) by today but it hasn’t shown up for me yet
My account was opened 3/18.
Hm good to know- the rep when I opened said the first bonus and referral bonus would post within 60 days of opening and the second bonus 60 days after that, but I couldn’t see anything in the terms confirming that. I think the terms do say they’ll claw back the first half if you don’t continue to meet the requirements so might want to keep everything going until the second bonus posts.
Sorry, no, it was opened 6/14. I was looking at the wrong line in my spreadsheet. I plan to keep the DD going, but the language seems a bit ambiguous.
Ah ok- mine was opened before yours, looks like I should probably message them to find out what’s going on.
They will not provide the 2nd half of the bonus if both dd and debit transactions aren’t met for the full 6 months. I confirmed this. The language was ambiguous in the first part of the terms but clarified at the end (I missed that when signing up). They also told me the $100 referral bonus only applies to the referrer and not the referee when I followed up, which is NOT what I was told by the banker when I signed up in branch. So, I was expecting $600 and will only get $250. Suffice it to say I will be closing after the 6 month mark and not giving them any more business.
So you’re punishing them for your inability to fully comprehend the T&C? Nice.
Here are the terms, my (our) bad for not paying better attention: “1. Must be a NEW member with no existing accounts at Arizona Central Credit Union (AZCCU). Existing primary members and joint owners opening a new membership do not qualify. Former members qualify as a new member if their previous account was closed at least 12 months prior to the new open date. To qualify, the new member must ensure the following three (3) requirements have been met within the first sixty (60) days of account opening: 1. Have a monthly direct deposit of minimum $500. 2. Signed up and currently enrolled for eStatements, AND 3. Has performed at least fifteen (10) Debit card transactions. The new member will receive 50% of the monetary bonus deposited to their Member Share account once the above (3) requirements have been met and the remaining 50% of the monetary bonus will be deposited at the end of 6 months from the date of account opening. Bonuses will be awarded in the following tiers: $500 minimum monthly Direct Deposit = $250 one-time bonus to new member; $1,000 minimum monthly Direct Deposit = $500 one-time bonus to new member. APY on checking accounts range from 0% to 0.10% APY based on product type and may vary. Minimum to earn APY is $1.00. Fees may reduce earnings. Bonus is considered interest and will be reported on IRS Form 1099-INT. Cannot be combined with any other offers. Offer valid for new accounts opened by 12/31/2024. Employees, officers and directors of AZCCU are not eligible. The above requirements must be met for 6 consecutive months. If the account is closed within 6 months, the new account bonus amount will be deducted upon closing from the new member’s account. Offer must be mentioned at the time of account opening to be eligible. Terms and conditions subject to change without notice. Federally insured by NCUA.”
Anyone looking for a $100 referral coupon can email me at slo 4646 at yahoo
Applied online 6/14, though terms say you must mention the promo to get it. Was able to CC fund $55 with Citi DoubleCash (5 for member share, 50 for checking–did not try larger amt). Looks like it coded as purchase.
Received email that my account was under review. Same day, received message to upload a pic of my ID–completed 6/14. Notification that my account was opened received 6/18. Then, I secure messaged through website to see if promo was attached since I opened online. Rep said she would make a note to monitor for the promo.
Where are you located? Was that the max CC funding limit or just didn’t want to go higher?
Located in AZ and did not want to risk funding more on CC.