Deal has ended, view more bank account bonuses by clicking here.
Update 9/9/24: Requires a direct deposit again.
Update 9/3/24: Bonus is now $200 (reduced from $250). No longer requires a direct deposit. Valid until 12/31/24.
Update 6/16/24: Extended until August 31, 2024.
Update 3/3/24: Deal is back through May 31 – 2024. Hat tip to killdozer
Update 9/13/23: Bonus is now $250 but requires a direct deposit and good through 12/31/23.
Update 6/29/23: Deal is back and valid until June 30, 2023.
Update 5/1/21: Deal is back and valid until May 31, 2021.
Update 2/24/21: Deal is back, but now $150 instead of $200. Hat tip to ShawntheShawn
Offer at a glance
- Maximum bonus amount: $150
- Availability: Must live or work in metro Atlanta. Can also be a member of eligible association or employee of eligible company
- Direct deposit required: No
- Additional requirements: Maintain $500 balance and make 5 debit card transactions of $5+
- Hard/soft pull: Soft pull
- ChexSystems: No
- Credit card funding: Can fund up to $500 with a credit card
- Monthly fees: None
- Early account termination fee: Unknown
- Household limit: None
- Expiration date:
September 30th, 2019 November 30th, 2019 January 31st, 2020March 31, 2021
Contents
The Offer
- Delta Community Credit Union is offering a bonus of $200 when you open a new checking & savings account and complete the following requirements:
- Use promo code CHECKING200
- Make 10 debit card transactions within 60 days of account opening
- Deposit $1,000 into your account
The Fine Print
- Applicant must be eligible and qualify for membership.
- To obtain the $200 bonus, (1) open a consumer Savings and Checking Account between July 19, 2019 and September 30, 2019 by visiting DeltaCommunityCU.com/Welcome200 or presenting the invitation code when opening account at a Delta Community branch (offer not valid if not redeemed by one of these two methods), (2) make a deposit of at least $500 to Checking Account within 60 days of Checking Account opening, (3) maintain an average balance of $500 for the first 60 days of Checking Account opening – this amount can be aggregate between Savings, Checking or Money Market Accounts, and (4) make a minimum of five (5) Debit Card transactions at a minimum of $5.00 per transaction within the first 60 days of Checking Account opening.
- To receive bonus, account must be in good standing, with deposit balances above zero dollars, any applicable loan payments current, and all accounts in compliance with any other terms, conditions and governing requirements.
- Bonuses earned through this promotion are subject to IRS reporting.
- The bonus will be deposited to the Checking Account within 60 days after deposit and transaction requirements are met.
- Offer is valid for first-time Delta Community members only, is not transferable, and cannot be combined with other offers.
- Offer may only be redeemed once per member.
- 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 free checking account with no monthly fees to worry about.
Early Account Termination Fee
I wasn’t able to find any early account termination fee in their fee schedule.
Our Verdict
Now that we know it’s a soft pull, I will be adding this to our list of the best checking account bonuses.
Hat tip to reader Mckay
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
Post history:
- Update 12/4/19: Deal has been extended until January 31st, 2020
- Update 11/26/19: Reposting as all recent datapoints say this is a soft pull to open, making it worth doing
Is there a referral page for DCCU? I couldn’t find one.
I don’t need one, I want to post one.
Is there a way to become a member now?
P1 and P2 same DP.
09/03/24 – Openes account using previous promo code for $250, even though it was expired 2 days before I applied.
09/04/24 – $500 push from Fidelity CMA
09/05/24 – $500 push from Fidelity CMA
09/05-09/20/24 – Did bunch of Apple pays and some legit payments.
10/10/24 – Received $250 Bonus
Offer details listed here are outdated. The DD requirement is $1,000 and there are no price requirements on the debit card transactions.
9/21 Opened
9/26 Real DD. I did $1,000 because that’s what their website said
9/27 Did 11 gas station purchases of about $1
10/10 Bonus posted
OOS DP:
9/3/24 – applied using Credflo (before it was removed), signed up under 1k deposit terms
9/4/24 – checking approved
9/5/24 – $1002 Fidelity ACH
9/9/24 – $1001 wise payroll (in case), 10 debit transactions done via cash app
10/10/24 – $200 bonus posted
9/6 Account opened OOS with code CHECKING200
9/18 $1000+ TreasuryDirect C of I redemption posted
9/23 – 9/27 10 x $1+ PayPal balance loads
10/10 $200 Bonus posted
Was able to open OOS as a former employe of an SEG. Bonus posted in the afternoon.
Adding another OOS DP that the Creflo loophole is dead
That’s sad to hear. Hope they will bring it back in the future.
Can you clarify what they said exactly?
Bedu recently reported getting approved by using Creflo while 
Nathan reported not being allowed to use it. Maybe it simply has to do with what rep that you get.
I just scrolled down a bit and saw that
LEGOProBuilder reported the change on 9.5.24. That was after 
Bedu got in.
Therefore, you might very well be right that the loophole is now 100% closed rather than 90% (a guess) closed, like it was before.
The loophole is probably dead now. I applied right when the link was posted. They emailed me the next morning with the documentation needed, so I snuck in before they changed it.
Is there any way to confirm a bonus was successfully applied without reaching out to the bank? I applied directly through the current promo link & it autofilled with the promo code. I didn’t realize until afterwards that you were ‘supposed’ to hit ‘apply code’ even though it was technically already applied. I was auto approved but haven’t received any correspondence referencing the applied promotion. No docs referencing it at the end either (terms & conditions, etc)
You’ve made 5 comments now but they were all very recent. Pretty soon, your comments should stop going automatically going to moderation as long as you keep using the same email address.
Thank you. 🙂 I didn’t mean for my comment to show up that many times. Lol. I’ve commented on other doc bonus posts but probably not often enough 🙁 This site is gold! I am bummed I didn’t find it years ago. I’ve been an amateur churner for many years, but never realized how popular and lucrative it is!
It sure is. Welcome to the club. 😀
Sorry if this shows up twice. My posts always disappear then reappear. Is there any way to confirm a bonus was successfully applied without reaching out to the bank? I applied directly through the current promo link & it autofilled with the promo code. I didn’t realize until afterwards that you were ‘supposed’ to hit ‘apply code’ even though it was technically already applied. I was auto approved but haven’t received any correspondence referencing the applied promotion. No docs referencing it at the end either (terms & conditions, etc)