[CO] Credit Union of the Rockies $150 Checking Referral Bonus

Offer at a glance

  • Maximum bonus amount: $150
  • Availability: CO only
  • Direct deposit required: No
  • Additional requirements: See below
  • Hard/soft pull: Unknown
  • ChexSystems: Unknown
  • Credit card funding: Unknown
  • Monthly fees: None
  • Early account termination fee: $25, 90 days
  • Household limit: None
  • Expiration date: None listed

The Offer

Direct link to offer

  • Credit Union of the Rockies

    • Option One –$75 for you, $50 for your friend

      1. Open a new savings and checking account.
      2. Obtain a debit card and complete a minimum of 15 transactions within 90 days of account opening.
      3. $75 will be deposited into your account, and $50 will be deposited into your friend’s account.

    • Option Two – $75 for you, $50 for your friend

      1. Open a new savings account.
      2. Deposit a minimum of $5,000 of new money into a CD.
      3. $75 will be deposited into your account, and $50 will be deposited into your friend’s account.

    • Option Three – $150 for you, $100 for your friend

      1. If your friend completes all the steps mentioned above, they will receive $100, and you will receive $150!

The Fine Print

  • Existing Member: Membership and account qualifications apply. You are eligible for the $75 reward if your referral: 1) becomes a new member; 2) meets membership and account qualifications; 3) opens a new Credit Union of the Rockies savings and checking account; 4) obtains a Credit Union of the Rockies Visa debit card and completes a minimum of fifteen (15) transactions within the first 90 days of account opening; and 5) keeps the new checking and savings accounts open for at least 90 days OR if they: 1) become a new member; 2) meet membership and account qualifications; 3) open a new Credit Union of the Rockies savings account; 4) deposit a minimum of $5,000 of new money into a Certificate of Deposit; and 5) keep the new savings account open for at least 90 days. You are eligible for the $150 reward if your referral completes all the terms mentioned above. Account must be in good standing. Reward is tax reportable. See a tax professional for tax advice. Please allow 2 business days upon completion of the reward requirements to receive the deposit into your primary Credit Union of the Rockies savings account. Cannot be combined with other offers or used for an existing account. Offer may be modified or withdrawn at any time at Credit Union of the Rockies’ sole discretion.
  • New Member: Membership and account qualifications apply. The reward is limited to one (1) unique primary account owner of one (1) new Credit Union of the Rockies account. You are eligible for the $50 reward if you: 1) are a new member; 2) meet membership and account qualifications; 3) are the primary owner of the new Credit Union of the Rockies savings and checking account; 4) obtain a Credit Union of the Rockies Visa debit card and complete a minimum of fifteen (15) transactions within the first 90 days of account opening; and 5) keep the new checking and savings accounts open for at least 90 days OR if you: 1) are a new member; 2) meet membership and account qualifications; 3) are the primary owner of the new Credit Union of the Rockies savings account; 4) deposit a minimum of $5,000 of new money into a Certificate of Deposit; and 5) keep the new savings account open for at least 90 days. You are eligible for the $100 reward if you: 1) complete all the terms mentioned above. Account must be in good standing. Reward is tax reportable. See a tax professional for tax advice. Please allow 2 business days upon completion of the reward requirements to receive the deposit into your primary Credit Union of the Rockies savings account. Cannot be combined with other offers or used for an existing checking account. Offer may be modified or withdrawn at any time at Credit Union of the Rockies’ sole discretion.
  • All bank account bonuses are treated as income/interest and as such you have to pay taxes on them

Avoiding Fees

Monthly Fees

In touch checking account has no monthly fees to worry about.

Early Account Termination Fee

$25 if closed within 90 days

Our Verdict

Requirements seem easy to meet and obviously a good bonus if you can refer some friends. Feel free to share your referral in the comments below along with whether it’s a hard or soft pull to open.

Hat tip to reader Gadget

Useful posts regarding bank bonuses:
    William Charles
  • On January 21, 2024, 12:00
Tags: co bank bonuses

View Comments (14)

  • $75 REFER A FRIEND PROMO posted 4/25/24. I assume for Option 1 listed in offer description above. Thanks, friend!

    Slowly working to build up my Giddy-up balance – requires a minimum of 506 transactions, even if each is exactly one ¢ more than a whole $.

    • Thanks for the update. I just logged into my account and saw $50 posted on 4/25/24. It's been a while and I almost forgot about this account promotion, glad to see it paid out.

  • Not sure whether this one allows for OOS. A banker called me one day after my referrer submitted the referral form for me. Over the phone the banker asked for my address, and told me I was out of their service zip codes despite I was in Colorado, and asked me whether I'd like to join some foundation to qualify. I said yes, and she took down the account number that they could draw fund for the membership for the foundation and handled the account opening over the phone.

    • I am out hunting for credit unions... and, in ref to OOS (out of state):

      The application says you can "register with Consumers United (Colorado residents only)."

      Sad detective 🕵️‍♂️ @guest_1806707

      • Good to know what they had me registered for, I did not ask for details and didn't hear clearly what it was... Too bad it is Colorado only after all. This bonus itself isn't that impressive but their Giddy-up money market add-on to the application is interesting in that it has 52% APY on a balance of up to $500.

  • Just received my February statement. Treasury Direct worked for DD for the Giddy-up.

  • Applied for an account and determined eligible having first registered through Consumers United (actually a GoWest Friends of the Foundation member). Plan is to eventually benefit from savings account that earns 52.8% APY on up to $500, incrementally accrued by dollar-rounded up debit card purchases, and meeting the $300/mo DD requirement.

  • May be more effort than some are willing to expend. It seems the only way to activate this promo is for the member to provide their friend’s name and phone number so that a representative can reach out and discuss membership, per https://www.cu-rockies.org/Membership/Member-Referral-Program.aspx.

    I applied for a checking account, after registering with Consumers United, to hopefully benefit from the Giddy Up Account, which offers an astonishing 52.80% APY (https://www.cu-rockies.org/Rates/Savings-Rates.aspx) – expected requirements and limitations apply.

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