Update 4/4/24: Apparently nationwide with a donation.
Update 2/18/24: Deal is back and valid until 12/31/24. Hat tip to Mrs. Gee
Update 1/21/24: Coupon offer valid through 1/31/24
Update 10/7/23: Deal is back until 12/31/23.
Offer at a glance
- Maximum bonus amount: $200
- Availability: Must live, work or worship in:
- Anoka county
- Dakota county
- Hennepin county
- Ramsey county
- Washington county
- Direct deposit required: Yes, two direct deposits
- Additional requirements: None
- Hard/soft pull: Hard pull
- ChexSystems: Unknown
- Credit card funding: Unknown
- Monthly fees: None
- Early account termination fee: Six months, bonus forfeit
- Household limit: None listed
- Expiration date: September 4, 2023
Contents
The Offer
- Expedition Credit Union is offering a $200 checking bonus
- Receive two direct deposits totaling $600+
The Fine Print
- Receive a $200 Bonus upon opening a new Rewards Checking Account (either Cash Back Checking or High Yield Checking) between May 15, 2023 and September 4, 2023.
- Offer not valid for those who have or had a checking account with Expedition Credit Union in the last twelve (12) months.
- To qualify for the $200 offer, new checking account must receive two (2) automatic deposits from payroll, pension payment, social security, or other government payments from an outside employer or outside agency (branch deposits, Shared Branch deposits, bank-to-bank transfers, mobile deposits, ATM deposits, or person-to-person transactions do not qualify) totaling at least $600 within 120 days from account opening.
- Account must remain open for six (6) months.
- The $200 Bonus will be deposited into the Rewards Checking Account within 30 days after meeting the Automatic Deposit requirement.
- Expedition reserves the right to terminate bonus payout if the qualifications are not met, the account is not in good standing, or if the account does not remain open for at least six (6) months.
- Limit of one account per Member may be included in promotion.
- The incentive is subject to federal and state tax requirements.
- This offer is subject to end at Expedition’s discretion.
- Membership Share with a minimum of $5 opening deposit required and Checking Account requires an additional minimum of $5 opening deposit.
Avoiding Fees
Monthly Fees
This account has no monthly fees to worry about.
Early Account Termination Fee
Account must be kept open for six months otherwise bonus is forfeit.
Our Verdict
If anybody decides to sign up, please share if it’s a hard or soft pull to open.
Hat tip to Bockrr
Useful posts regarding bank bonuses:
- A Beginners Guide To Bank Account Bonuses
- Bank Account Quick Reference Table (Spreadsheet) (very useful for sorting bonuses by different parameters)
- PSA: Don’t Call The Bank
- Introduction To ChexSystems
- Banks & Credit Unions That Are ChexSystems Inquiry Sensitive
- What Banks & Credit Unions Do/Don’t Pull ChexSystems?
- How To Use Our Direct Deposit Page For Bank Bonuses Page
- Common Bank Bonus Misconceptions + Why You Should Give Them A Go
- How Many Bank Accounts Can I Safely Open Within A Year For Bank Bonus Purposes?
- Affiliate Links & Bank Bonuses – We Won’t Be Using Them
- Complete List Of Ways To Close Bank Accounts At Each Bank
- Banks That Allow/Don’t Allow Out Of State Checking Applications
- Bank Bonus Posting Times
Applied OOS. Denied due to Chex.
Probably could’ve spaced out my apps a little better since my Chex was relatively clean prior to this latest round.
7/30 (6 of them on the same day–I’m pretty sure that’s what spooked them).
Chatted with the rep before applying. They confirmed it’ll be a hard pull but cannot specify which one. I think I’ll pass.
Got a HP from them on TU
Declined due to Chex (spoke with a rep) D:
What were your Chex numbers/did they cite any particular count/timeframe as too high?
Bankdealguy said it’s nationwide with a donation. Will Fidelity work for DD?
Where is the donation selection? Don’t see donation as an option in the application, seems to be only for specific groups/location/relatives in MN.
Chat rep told me just to pick one
Any recent successful DPs? If so, do they allow any cc funding at all? The hard pull and chex sensitivity sucks, but the $10/mo on the debit card could be worth it if cashapp/venmo/etc works
Who came up with this CU’s name Expedition? That sounds like Extradition to me…..
got hard pulled on my credit report, maybe not Chex sensitive though because I have a horrible Chex history and usually have to open in a branch, however, this allowed me to create an account online.
Who did they pull? TU?
I have known CUs that will “approve” and open your account immediately, but then close it 2 days later due to Chexsystems.
How is it going? Were you out of state and/or high Chex (or did you have negative items on your history)? Did they keep the account open/you’re definitely in?
which bureau
and what were your chex counts at the time you applied (if the account stayed open)?
They definitely use Chex. I was declined due to Chex (spoke with a rep)
dang. what were your counts at the time/did they mention a particular number/time period that was the problem?
No they didn’t say.
I’ve only been doing bonuses for less than a year, and this was the first time I was denied due to chex. Guess I’m a pro now
nice, welcome to the club 😉 it’s super annoying having to track/worry about chex (although at least now they let you view it online so you can check whether they pulled it or not/keep track of your counts). my strategy is to try to space my inquiries out (so i only have 1 a month or less) or clump them together (open with a bank that is more sensitive first, then open with several afterwards that either don’t pull chex or pull but don’t care about inquiries so they can age out at roughly the same time). usually works out pretty well, although i might have to wait on this one til closer to the end of the year and hope they don’t pull it early. :-/
Hard pull *and* Chex sensitive? Hard pass
Hard pull on which bureau?
No idea. Didn’t apply