[Expired] America’s Christian Credit Union $400 Checking Bonus

Deal has ended, view more bank account bonuses by clicking here.

Offer at a glance

  • Maximum bonus amount:
  • Availability: You may be eligible to join the credit union through your affiliation with a church, ministry or school that is in alignment with the Wesleyan Christian Doctrine, or as an immediate family member living in the home of an ACCU member
  • Direct deposit required: Yes, two direct deposits of $500+
  • Additional requirements: See below
  • Hard/soft pull: Hard pull
  • ChexSystems: Unknown, sensitive
  • Credit card funding: Up to $500 with a credit card
  • Monthly fees: None
  • Early account termination fee: $15, 12 months
  • Household limit: None listed
  • Expiration date: December 31, 2024

The Offer

Direct link to offer

  • America’s Christian Credit Union is offering a $100 checking account and complete the following:
    • Two direct deposits of $500+ each within 90 days of account opening
    • Request an ACCU visa debit card
    • Enroll in eStatements within 30 days of account opening

The Fine Print

  • All bank account bonuses are treated as income/interest and as such you have to pay taxes on them

Avoiding Fees

Monthly Fees

They offer a basic checking account with no monthly fees to worry about.

Early Account Termination Fee

There is a $15 fee if closed within 12 months.

Our Verdict

Most people won’t be eligible due to the religious affiliation required. Previously this was only a $100 bonus, now that it is $400 I suspect a lot more people will try for it. We will add it to best bank bonus page but with the religious affiliation stipulation.

Hat tip to ShawntheShawn

Useful posts regarding bank bonuses:
    William Charles
  • On July 23, 2024, 11:00
Tags: credit card fundingdirect deposit requirednationwide bank bonusessoft pull

View Comments (569)

  • Filed a complaint with NCUA today (mycreditunion.gov) over the $100 extra that never posted for me from my mid-July opening. I've contacted them 3 times since Nov and they keep saying they're busy, they'll get to reviewing my case. Only reason I've been this patient is I've been too busy to file lol but the holiday crazy has died down!

    • 1/17 early morning email from NCUA stating the complaint has been forwarded to ACCU
      1/17 $100 bonus posted

      File away folks...

  • DP:
    Used a local church to get in ( I do not attend ) .
    10/23 Opened Secure Checking and Savings
    10/24: $150 opening deposit
    11/15: $510 DD from real job
    11/29: $510 DD from real job
    12/13: $510 DD from real job
    12/20: $400 bonus posted

  • DP:

    10/09: Opened Secure Checking and Savings
    11/08: $500 Payroll DD
    11/22: $500 Payroll DD
    12/20: Received $400

  • No need to wait 365 days to close. They don't charge the $15 early termination fee. I zeroed out the account and then sent secure message to close account. They send a link to fill out the closing form. Account will disappear from online banking but still have access to log in. Not sure how that will affect ability to churn a year from now but will see if the offer comes back.

  • Welp, they are denying giving me the $100 bonus because my code was applied retroactively. I applied 7/24 right after the promo code field disappeared and had to fight to get a code added retroactively. I mentioned that other reps had given me conflicted information about the code being applied automatically, and they said those reps were misinformed.

    Do people think I might have luck with a CFPB complaint? Admittedly, I did play musical codes: tried REACH1644 first, then REACH1593, and lastly JOIN2024 via phone conversations with reps. But some things that ACCU handled improperly were: 1) website said you could get a code by calling in but calling the number listed didn't work, plus a rep said that they do not provide codes via phone 2) terms said to apply code during app but the promo code field was not present in the app when I applied, and 3) one rep said the promo would be applied automatically but it wasn't.

    Also, how does one even submit a CFPB complaint? Is there a DoC page about it?

    Here are some of my other comments if people want the complete story:

    https://www.doctorofcredit.com/americas-christian-credit-union-400-checking-bonus/#comment-1952915
    https://www.doctorofcredit.com/americas-christian-credit-union-400-checking-bonus/#comment-1952915
    https://www.doctorofcredit.com/americas-christian-credit-union-400-checking-bonus/#comment-1882760

  • DP:

    Opened account on 9/4/24, two real DD's of $501 most recently on 10/31. Bonus paid on 11/22.

    Pretty fast!! All the work you all have been doing bugging them must be helping.

    Anyone know if there is actually an early termination fee? I can't find that on their site anywhere.

      • I think he’s asking if they actually try to charge that amount when the account is closed. Some banks say there’s a termination fee but don’t actually try to collect it when closed.

  • 7/25: Opened Checking and Savings
    8/08: Received $100
    Real $500 DD's from employer every two weeks
    11/21: Received $400

  • I contacted them about my real DD's, which were pension payments, but received back a generic email outlining the requirements to receive the bonus. I messaged them again just now. Good grief!

  • has anyone messaged/chatted to close account after receiving the bonus? i would just prefer to close it out, even though there's no monthly fees.

    But curious if the 12 month ETF is actually enforced at all or not - anyone have a datapoint?

  • Player 2 received bonus today. But instead of getting 1 $400 bonus we received 2 $400 bonuses. Not quite sure what to think about it.

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