[IA, NE] Cobalt Credit Union $200 Checking Bonus

Seems to have been extended with no end date?

Update 1/20/24: Deal is back and valid until 03/31/24.

Offer at a glance

• Maximum bonus amount: $200
• Availability: Cobalt Credit Union is located in 15 counties across Nebraska and Iowa
• Direct deposit required: Yes, no minimum
• Additional requirements: See below
• Hard/soft pull: Unknown
• ChexSystems: Unknown
• Credit card funding: Unknown
• Monthly fees:None
• Early account termination fee: None
• Household limit: None
• Expiration date: 12/31/23

The Offer

Direct link to offer

• Cobalt Credit Union is offering a $200 checking bonus when you open a new Cobalt Elite or Cobalt Blue checking account and complete the following requirements:
  • Have at least one recurring direct deposit
  • Enroll in e-statements
  • Have at least 15 debit card transactions totaling at least $500 post and clear within 90 days of account opening, and for the Cobalt Blue checking account, have at least 10 debit card transactions totaling at least $250 post

The Fine Print

• Offer available 11/14/23 – 12/31/23. In order to receive the $200 bonus, you must open a new Cobalt Elite or Cobalt Blue checking account and fulfill the following requirements: (1) have at least one recurring direct deposit in the form of payroll or government benefit deposited into a Cobalt account, (2) enroll in e-statements, and (3) for the Cobalt Elite checking account, have at least 15 debit card transactions totaling at least $500 post and clear within 90 days of account opening, and for the Cobalt Blue checking account, have at least 10 debit card transactions totaling at least $250 post and clear within 90 days of account opening. All qualifications must be met within the first 90 days of account opening.
• The bonus will be deposited into your membership share account within 90 days of meeting all account requirements.
• The bonus is not available for existing Cobalt Blue or Cobalt Elite Checking members who have closed a Cobalt Blue or Cobalt Elite Checking account within the past 90 days.
• The bonus will be reported to the IRS as dividends earned.
• All bank account bonuses are treated as income/interest and as such you have to pay taxes on them

Avoiding Fees

Monthly Fees

Neither account has any monthly fees.

Early Account Termination Fee

I wasn’t able to find any fee schedule so unsure if there are any EATF.

Our Verdict

Nice deal just need to know if it’s a hard or soft pull.

Hat tip to reader Gadget

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