[Expired[ [IL only] Land of Lincoln Credit Union $200 Checking Bonus

Deal has ended, view more bank account bonuses by clicking here.

Update 4/27/24: Deal is back and valid until 5/31/24.

Offer at a glance

  • Maximum bonus amount: $200
  • Availability: Must live, work or worship in one of 26 counties (full list here). Must also open in branch [Branch locator]. All counties/branches are in IL
  • Direct deposit required: Yes, no minimum
  • Additional requirements: Yes, see below
  • Hard/soft pull: Hard pull
  • ChexSystems: Unknown
  • Credit card funding: Unknown
  • Monthly fees: None
  • Early account termination fee: Unknown
  • Household limit: None listed
  • Expiration date: July 31st, 2019

The Offer

Direct link to offer

  • Land of Lincoln Credit Union is offering a bonus of $200 when you open a new checking account. Bonus is broken down as follows:
    • Get $100 when you:
      • Enroll in ClickSWITCH dashboard
      • Set up direct deposit of $500+ monthly within 60 days of account opening
      • Enroll in online banking
    • Get another $100 when you complete the above requirements and:
      • Make 10 or more transactions on your LLCU debit card
      • Enroll in BillPay

The Fine Print

  • Qualifications may apply.
  • Membership required.
  • Incentives paid at time of completion of action items required to earn incentive.
  • Monies awarded will be direct deposited into member’s new checking account.
  • 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 a fee schedule, so I’m unsure if there is any early account termination fee or not.

Our Verdict

Need to know if this is a hard or soft pull before passing judgement, you should be able to find out before opening the account as you need to open in branch anyway. If it is a soft pull then it’s worth doing in my opinion.

Useful posts regarding bank bonuses:
    William Charles
  • On April 27, 2024, 11:00

View Comments (13)

  • According to both phone and chat people, it's a soft pull on TU + hard pull on Chex

    https://i.gyazo.com/96e09f8e089720d138252c02c7847839.png

    perhaps the [IL] tag can be changed to [Southern IL] or something else counties included in their field of membership don't include Chicago, and that's probably 90%? of the people who are looking at IL tags on DoC

    doesn't look like any nationwide workarounds:

    You live or work in one of our 28 Counties: Bond, Christian, Clark, Clay, Clinton, Coles, Crawford, Cumberland, DeWitt, Douglas, Edgar, Effingham, Fayette, Jasper, Jefferson, Lawrence, Macon, Marion, McDonough, McLean, Montgomery, Morgan, Moultrie, Piatt, Richland, Sangamon, Shelby, Washington.You have an Immediate Family Member Who is Already a MemberYou are employed at one of our Premier Partner BusinessesYou are United Methodist Affiliate

    • I opened this the last time around and it was a hard pull. I wonder if they've changed it.

  • For anyone who did this offer or the similar one back in 2019 - any data on whether ACH pushes qualify as Direct Deposits with Land of Lincoln CU? If so, which ones? Thanks.

  • Don't know if anyone is interested in this since it's a hard pull but it looks like the promo is back $200 for doing the below

    Automatically earn $100 when you:
    -Open a new checking account at LLCU,
    -Set-up direct deposit of a minimum of $300, and
    -Have TEN (10) debit card transactions completed.

    Once you've met these three criteria, you could earn an additional $100 if you do the following...

    Automatically earn an additional $50 when you:
    -Enroll in eStatements.

    Automatically earn an additional $50 when you:
    -Enroll in ClickSWITCH

    https://www.llcu.org/Blog/Posts/116/LLCU-Promotions/2023/3/Switch-your-Checking-to-LLCU-earn-200/blog-post/

  • The 26 Illinois Counties are: (Bond, Christian, Clark, Clay, Clinton, Coles, Crawford, Cumberland, DeWitt, Douglas, Edgar, Effingham, Fayette, Jasper, Jefferson, Lawrence, Macon, Marion, McLean, Montgomery, Moultrie, Piatt, Richland, Sangamon, Shelby, Washington) NOTICE: Cook Cty (Chicago area) is NOT among them.

    • None of the collar counties either. In other words 65% of the population of IL is excluded from this deal.

  • links in the 'availability' part of the post at the top dont link to anywhere. and the direct link to the offer doesn't seem to show the $200 bonus on the webpage

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