[Expired] [MI] OMNI Community Credit Union $200 Checking Bonus

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

Offer at a glance

  • Maximum bonus amount: $200
  • Availability: MI only
  • Direct deposit required: Yes, $100+
  • Additional requirements: See below
  • Hard/soft pull: Hard pull
  • ChexSystems: Unknown
  • Credit card funding: Unknown
  • Monthly fees: None
  • Early account termination fee: None
  • Household limit: None
  • Expiration date: None

The Offer

Direct link to offer

  • OMNI Community Credit Union is offering a bonus of $200 when you open a new checking account and complete the following requirements:
    • have ACH direct deposits averaging at least $100 per month in the first 60 days of account opening

The Fine Print

  • Offer valid for Digital Membership (checking) accounts opened online. Offer not available to existing OMNI Community Credit Union members.
  • A savings account must also be opened at time of Digital Membership account opening.
  • New members must have ACH direct deposits averaging at least $100 per month in the first 60 days of account opening.
  • Only Digital Membership accounts open and in good standing at time of bonus are eligible.
  • Promotion begins on April 1, 2022 and may end at any time, without notice or warning.
  • May not be combined with any other offer.
  • Other restrictions may apply, offer subject to change, bonus subject to Credit Union’s discretion.
  • Please contact the Credit Union during normal business hours with any questions: 269-441-1400.
  • The bonus will be deposited to your regular savings account within five business days of meeting the requirements.
  • Your bonus will be paid in the form of a dividend deposit to your savings account within five days of meeting requirements.
  • All dividends paid will be reflected on the 1099-INT form for the applicable tax report of the year as required by law.
  • All bank account bonuses are treated as income/interest and as such you have to pay taxes on them

Avoiding Fees

Monthly Fees

This account has no monthly fees to worry about.

Early Account Termination Fee

As far as I know this account has no monthly fees to worry about.

Our Verdict

Requirements seem easy and according to the terms any ACH should work, but that isn’t always the case. It is a hard pull so not worth doing for everybody but will add to our list of the best checking bonuses.

Useful posts regarding bank bonuses:
    William Charles
  • On June 25, 2022, 12:00
Tags: direct deposit requiredmi bank bonuses

View Comments (22)

  • Received this targeted email today:

    Earn a Gift Card this November

    This November, when you use your OMNI Community Credit Union debit card, you could earn a $10 or $20 gift card, redeemable at more than 30 popular merchants!*

    Make 15-19 purchases - earn a $10 gift card!
    Make 20+ purchases - earn a $20 gift card!

    Offer good November 1, 2022 - November 30, 2022.

    *Terms and Conditions: http://winterdebitpromotion.com/

    • 11/6 - 20x $0.01 PayPal debit transactions
      1/3 - received a letter in the mail with instructions and a code to redeem the $20 gift card

  • 07/01/2022 $101 and $102 DD via Astra

    Still no bonus. Will try another $100 DD in Aug via Astra.

  • I was able to open an account from one of the 3 listed counties in Indiana - Elkhart, LaGrange, and St. Joseph.

  • DP: In state. But also available for other locations within IN North/West Indiana

    6/25/22 - Instant Approval (No Funding Avl)
    $5 - Shared is paid for by them.

    No promo code- I clicked thru the link to apply and open the account

    Hard Pull thru Experian For $200 worth it. Not Chex Sensitive (Crossing fingers it holds).

    • Bonus posts after you wait the 60 days and message them. I used Brex so it’s like a real DP so no harm in contacting them.

      If you don’t msg them. No bonus. But no push back and same day if the msg is read that day.

    • They followed up today. I had a gut feeling to answer the call for Battle Creek.

      So I recommend to answer it. Asked about Chex and the P2. Of course I’m always looking for competitive mortgage rates

  • Data points:
    Live in MI and opened account on 6/25/22

    Turned out to be a hard pull - got notifications from chase/Experian monitoring
    No credit card funding - The CU makes the opening $5 deposit for you, didn't see a screen to fund via CC
    Chex - I open every account I can and got an instant approval

    • How did you fund the checking account? What option did you use ? I tried sending money thru Chase bank but it has takes days to verify my checking account.

      • I didn't have to fund anything at the open. The CU funds the member share. I had a real DD hit today of $100 and will do another one in August to hit the requirements.

        For Chase I had an issue linking the accounts. Chase didn't like all the "1000" in the account number. I removed those and entered my account number starting with the first non "0" digit. That worked. Oddly enough my employer took the full number with no issues.

      • Standard info + they also use the credit report history based questions to verify you.

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