[CO only] ENT Credit Union $200 Checking Bonus, Direct Deposit Not Required

Update 7/2/24: Extended until 12/31/2024

Update 1/21/24: Offer ends June 30, 2024

Update 10/18/23: Deal back.

Update 8/27/23: Available again until December 31, 2023

Update 1/22/22: Deal is back and valid until December 31, 2022. Hat tip to JurianTheDurian

Update 4/25/21: Deal is back and valid until December 31, 2021. Hat tip to reader Mr Woodchuk

Offer at a glance

  • Maximum bonus amount: $200
  • Availability: CO only
  • Direct deposit required: No
  • Additional requirements: See below
  • Hard/soft pull: Soft pull
  • ChexSystems: Yes
  • Credit card funding: Can fund up to $500 with a credit card
  • Monthly fees: None
  • Early account termination fee: $10, 90 days
  • Household limit: None listed
  • Expiration date: September 30, 2020 October 31, 2020 November 30, 2020 December 31, 2020 December 31, 2021

The Offer

Direct link to offer

  • ENT Credit Union is offering a bonus of $200 when you open a new checking account and complete the following requirements:
    • Use promo code ROCKON
    • Deposit $100
    • Activate your debit card

 

The Fine Print

  • The new member joining the credit union must be the primary owner of a new Ent Checking Account and must not have an existing account relationship with Ent.
  • Offer ends September 30, 2020.
  • The primary owner is the owner whose Social Security number is on the account and is used for tax reporting purposes.
  • Ent employees, officials and members of their immediate families are not eligible.
  • New primary member owner must be 18 or older, meet membership and account qualifications, hold $5 in a savings account, make a minimum deposit of $100 into their new checking account and activate their debit card within 30 days of account opening.
  • Please allow two (2) business days after the completion of requirements to receive a deposit of $200 into the new Ent Savings Account.
  • Account must be in good standing to receive the reward.
  • The $200 reward will be tax reportable.
  • Rewards are limited to one unique primary owner per new account.
  • Accounts closed within 90 days of account opening will be charged a $10 early closure fee.
  • Offer may be withdrawn at any time and is subject to change at Ent’s sole discretion.
  • Cannot be combined with any other offer.
    Fees apply for additional services.
  • All bank account bonuses are treated as income/interest and as such you have to pay taxes on them

Avoiding Fees

Monthly Fees

The free checking account has no monthly fees to worry about.

Early Account Termination Fee

If the account is closed within 90 days a $10 closure fee will be charged.

Our Verdict

ENT has offered a $500 bonus in the past, but that was in branch only and $200 of that was really a savings bonus. This $200 bonus is significantly less, but it’s also much easier to meet the requirements for. Given how easy the requirements are to meet, we will add this to our best bank bonus page.

Hat tip to reader John

Useful posts regarding bank bonuses:

Post history:

  • Update 12/06/20: Deal is back and valid until December 31, 2020.
  • Update 11/03/20: Deal is back and valid until November 30, 2020.
  • Update 10/25/20: Deal is back and valid until October 31, 2020.
    William Charles
  • On January 21, 2024, 17:20
Tags: co bank bonusescredit card fundingdirect deposit not requiredsoft pull

View Comments (331)

  • It looks like there is now a second offer code...seems to be the same terms/bonus as the ROCKON code...just a different code: 19CHCK

    Seems a bit silly to have two offers with the same terms and expiration...but, whatever!

  • This Bonus is straighforward if you live in CO, but just gonna post a DP for anyone who wants to be sure.

    10/9 Account opened (Savings + Checking) with $5 deposit in branch
    10/11 Chase $102 push to Checking
    10/12 $200 bonus posts into Savings

    Ent does not allow churning, so keeping the account or closing it is up to you. Also, while the account is open, the $5 membership fee is held by Ent (unavailable for use) but will be released to you when you close the account. If you open inside a branch, they will likely be able to print your debit card instantly and you will walk out with it. Customer service is great.

  • Well, this sucks... "Some issues came up while processing your application. Visit us at the nearest Service Center to finish setting up"

  • CO DP:
    01/30: Opened account with $500 funding from Capital One Venture X (coded as purchase). Moved most of the money to the checking account/
    02/07: Received and activated debit card
    02/08: $200 Bonus received

    Moved most of the money out. Leaving account open for at least a few months. In the service area this was a very quick and easy bonus. On to the next.

  • wow, not only these SOBs locked my account within few days of opening it, they sent me 1099 form for $200!!! that's a federal crime, isn't it?

    • Same here. Received 1099 form for $200, even though they locked the account in a few days of opening. Called them, but their system is down for now. Will call back later.

      • Called the bank. First the banker said just ignore the 1099-INT form, which is nonsense. Then they said they will take a look and call me back in a couple days.

        • Update: The bank called me back and they will mail a corrected form to me. He said they have not mailed the form to IRS yet. So anyone that is affected needs to call them the get the correct form. They will not do it automatically.

          • Highly doubt they mail the forms (probably electronically done) and it's already gone out, but regardless, when you get the new form, the Corrected Box should be checked. I had one credit union a couple of years ago botch the 1099 amount, and had to let them know it needed to be fixed. It's annoying, but fixable. You can use your monthly statement(s) as evidence if needed. @guest_1793355

          • Thanks. But my account has been locked just a few days after it was open, I could not even get into the account to download the statements.

    • Looks like they still issued the $200 bonus to your account. Have you tried requesting them to close your account and send a refund check? If they refuse, you may try filing a complaint to NCUA.

  • Had an account with them ~3 years ago and they told me I was ineligible for this promotion. Doesn't say that in the fine print

    • CO resident here. I closed an account with them before the covid fiasco so it was closed at least 4 years now. When trying to apply today in January 2024 getting an invalid code for ROCKON in the application (have to enter SSN first).
      Looks like no easy $200 for me.

    • But, if you didn't get a Checking bonus previously from them, you should be good to go. Unless they are saying a past checking account is "pre-existing". I wouldn't think so. It pre-existed.

    • One of the eligibility requirements says " have not received an Ent Checking Offer reward in the past"

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