[MA, Southern NH only] Metro Credit Union $300 Checking Bonus

Update 9/11/22: Can be done online, view instructions here.

Offer at a glance

  • Maximum bonus amount: $300
  • Availability: MA, Southern NH select branches only
  • Direct deposit required: Yes, no minimum specified
  • Additional requirements: See below
  • Hard/soft pull: Unknown
  • ChexSystems: Unknown
  • Credit card funding: Unknown
  • Monthly fees: None
  • Early account termination fee: None listed
  • Household limit: None listed
  • Expiration date: None listed

The Offer

Direct link to offer

  • Metro Credit Union is offering a $300 Visa Reward Card when you open an account at their Dorchester, West Roxbury, Burlington, Peabody – Andover Street, and Reading Branch and complete the following requirements within 60 days of account opening:
    • Complete one or more direct deposits
    • Complete one or more debit card purchase

The Fine Print

  • Terms & Conditions apply and are available at referlive.com/metrocuoffers or upon request at your local Metro Credit Union branch.
  • Get a $300 Visa Reward Card when you register, open a new eligible Metro Credit Union My Reward Checking account at the Dorchester, West Roxbury, Burlington, Peabody – Andover Street, and Reading Branch and complete the following within 60 days of account opening: 1.) Complete one (1) or more direct deposits, AND 2.) Complete one (1) or more debit card transactions (ATM withdrawals excluded).
  • Please allow 4-6 weeks for delivery of your Reward Card after completing all offer requirements.
  • 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.

Early Account Termination Fee

I wasn’t able to find an EATF in the fee schedule.

Our Verdict

Should be able to find out if it’s a hard or soft pull when applying in branch, share your experience if you go for this bonus.

Useful posts regarding bank bonuses:
    William Charles
  • On September 11, 2022, 20:46
Tags: direct deposit requiredma bank bonuses

View Comments (73)

  • Looking at my ReferLive account it shows the following:
    Reward Issue Date Reward Amount
    09/29/2022 $300.00

    But I never received the card in the mail. Called CS and they told me they would call me back. Hopefully it shows up/they send me a new one

  • ~9/15 signed up for referlive online code.
    ~9/15 signed up for new MetroCU account online. Got error message "unable to authenticate identify"
    ~9/20 went into one of the listed branches and in person. Teller had me fill out hard copy form even though I had already done it online.
    ~10/10 small Debit card online purchase
    ~10/6-11/6 3 small real direct deposits
    ~11/5 $300 debit card received in mail. Only good through January.

    My summary: Took more time than it should have because my online application didn't work so had to go into branch. Luckily I live near one. Once it was open, requirements were easy to meet

  • @guest_1475138 @guest_1443466 @guest_1454251 @guest_1471778 Are you MA or NH resident? Or does it not matter if you are applying through ReferLive link? I am a RI resident.

  • 9/6 - Opened Rewards Checking, Rewards Saving, and Membership Saving accounts in branch
    9/6 - Signed up with ReferLive
    9/12 - Debit purchase at grocery store
    9/13 - Payroll DD
    9/29 - "Reward issued" shown in my ReferLive account
    10/27 - $300 Visa gift card received in the mail

    Note 1: Branch teller told me that the promotion expired when I opened the account, but obviously the ReferLive with the code still worked

    Note 2: The Visa gift card will expire in 3 months. Better use it fast.

  • 9/11 - Signed up via the ReferLive link
    9/12 - Applied and approved using a former address in footprint. Realized I signed up with a different email address. Immediately signed up again with ReferLive for the right one after account was opened.
    9/20 - Legit DD and debit card transaction
    10/4 - Legit DD and debit card transaction
    10/24 - $300 debit card received.

  • Opened 9/19

    $1 DD 9/28
    $1 Debit spend 9/29

    $300 VGC arrived in the mail 10/24

    Easy peasy bonus.

  • I received the $300 Visa Reward Card today! Envelope is from "Program Headquarters".
    Opened account online at ReferLive with code METRO300 in mid September.
    I am in footprint. Used real employer DD.

    I am happy this actually paid out :-)

    • Keep in mind that, for the Rewards Checking account, there is a $22 monthly fee if you don't have Direct Deposit, $12 monthly Inactivity Fee after 3 months, and a $3 Paper Statement fee. That's nearly $50 per month in fees! I'm closing my account ASAP.

  • Based on others' DPs, I forged ahead with this one, thinking I could be successful.

    Used online link and the METRO300 code, but was unsuccessful at account opening due to identify verification. Made an appointment at a branch 2 blocks from where I live, waited 30 mins anyway and finally someone came over.

    Blocker 1:for CC funding, my biz card was declined due to the cash advance request. Hmm, ok, I provided another card hoping the finalized transactraction will code as a purchase.

    Blocker 2: I asked about the 300 bonus. Branch mgr said that promo has expired, but also that it was in effect for only the new branches.

    Closed the 3 accounts that they just opened for me (reward checking, reward savings, member) and took 1900 cash back to my bank to pay the advance.

    Definitely got unlucky here. YMMV

    • I think generally, trying to use a credit card for funding your account while in branch will almost always be a cash advance versus doing it online. At least I heard someone told me that before.

  • I just opened the checkiing account - it was super confusing and at first I only had the membership savings $5 account without understanding why. I called and they opened the checking account over the phone so I'm good there and will be sending me a link for a form you need to fill out for $300 visa card. She was very insistent/clear that the DD had to be from a payroll or SS so I'm crossing my fingers that my DD from my Chase push will work. There are no DPs in the DoC List of Things Banks Consider a DD for Metro so we'll see.

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