[IL, MI, WI] Advia Credit Union $100 Checking Bonus, Direct Deposit Not Required

Offer at a glance

• Maximum bonus amount: $100
• Availability: IL, MI.
  • Michigan: All counties in the lower peninsula.
  • Wisconsin: Dane, Green, Jefferson, Kenosha, Milwaukee, Racine, Rock, Walworth, Waukesha
  • Illinois: Boone, Cook (north of Irving Park Road), DuPage, Kane, Lake, McHenry, Winnebago
• 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:$5 within 90 days
• Household limit: None listed
• Expiration date: None listed

The Offer

Direct link to offer

• Advia Credit Union is offering a referral bonus of up to $200:
  • $50 when you open an Advantage Plus Rewards and complete these requirements:
    • Checking Account: Regular, Assurance, or Money Market
    • $400+ e-Deposits monthly: Direct Deposit, ATM, and Mobile Deposit (RDA)
    • 20+ combined Visa® Debit and Credit Card purchases monthly
  • $50 when you have Combined Deposit Balance of $10,000+
  • $100 when you have Aggregate Personal Loans of $5,000+

The Fine Print

• Referring member and those they refer who open a new member account relationship with Advia Credit Union (not previously a member of Advia Credit Union) and follow instructions provided within this referral program to indicate qualifying new member referral will each earn stated payout(s) when new member opens and maintains one or more of the following qualifying Advantage Relationship(s) stated within ninety (90) days of new account opening: (1) $50 when the new member reaches Advantage Plus Rewards status. See adviacu.org/advantageplus for qualifications; and/or (2) $50 when the new member accrues new aggregate deposits held of $10,000 or more; and/or (3) $100 when the new member obtains aggregate Personal Loans of $5,000 or more (combined outstanding balances held in Auto/RV Loan or Signature Loan).
• Program not available in Wisconsin.
• Bonus Payouts: Referral bonus payout(s) will be paid in one sum via deposit into the Primary Savings of both referring (current) and qualifying new (referred) member who meet stated criteria no more than forty-five (45 days) following first three (3) months of membership.
• In order for new member or referring existing member to receive bonus, their member account must be in good standing with no delinquent loan balance, current or previously charged off account with Advia, negative share balance, or other indicator of an account not in good standing at time of payment.
• Bonus may be reported to IRS and any applicable taxes are the responsibility of the recipients.
• General Conditions of Offer: This offer is not valid in the state of Wisconsin.
• This offer may not be used in combination with other promotional offers.
• Individuals may not refer themselves for referral incentive. Referred individual must qualify for membership based on Advia Credit Union’s field of membership criteria.
• All accounts and loans are subject to approval.
• This offer and any promotional offer is subject to change and could be discontinued at any time.
• All bank account bonuses are treated as income/interest and as such you have to pay taxes on them

Avoiding Fees

Monthly Fees

Regular checking account has no monthly fees to worry about.

Early Account Termination Fee

There is a $5 fee if closed within 90 days of account opening

Our Verdict

It’s nice that there is no direct deposit required, but it’s unclear how long the $5,000 deposit needs to be in the account. If there is no time frame then this seems like a great deal. Please share your experiences in the comments below.

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