[Must Be A Member of A Christian Ministry] Christian Community Credit Union $100 Checking & $100 Savings

Extended to 05/31/25

Update 3/2/25: Extended to 3/31/25

Offer at a glance

The Offer

Direct link to offer

  • Christian Community Credit Union is offering a $100 savings & $100 checking bonus. Use promo code BEE
    • Open a Harvest High-Yield Checking & get a $100 bonus* when you register for digital banking and enroll in eStatements
    • Open a Harvest High-Yield Savings & get a $100 bonus when you carry a balance of $5,000 or more

The Fine Print

  • All bank account bonuses are treated as income/interest and as such you have to pay taxes on them

Avoiding Fees

Monthly Fees

  • Harvest checking has no monthly fees to worry about
  • Harvest savings has a $5.00 monthly service fee if the balance falls below $100.00

Early Account Termination Fee

You will forfeit the bonus if you close account within 6 months of account opening though.

Eligibility

Some of you will probably be wondering how strict that ‘must be a member of a christian ministry’ requirement is. According to comments in a previous deal post, it’s very strict. They want to call your church or send a copy of tithe statement or have something from the church on an official letter head.

Our Verdict

There was a $200 checking bonus in the past, but that did require a direct deposit. This bonus is worth doing if eligible. Try to keep the jokes/discourse around eligibility to a minimum so people can actually discuss the bonus.

Hat tip to Ben

Useful posts regarding bank bonuses:
    William Charles
  • On March 2, 2025, 18:15
Tags: credit card fundingdirect deposit not requirednationwide bank bonusessoft pull

View Comments (186)

  • I was able to stack this for an extra $50. The only difference was that the bonus will show up in the mail via a reward card. The only requirements were to keep the account open for 60 days, which anybody who is doing the bonus offer will already have completed anyway.

    https://io.referlive.com/ibbjRu

      • No, but just don't zero it. Never zero balance an account when waiting on a bonus. Mine & P2's checking is anywhere from $1-$50 right now while waiting on the bonus(es). Leaving the savings at $5K for now too, as it earns 5% APY. @guest_2032888

    • Quick question. If I funded the checking with $100 via CC when I opened, do I only need to deposit an additional $400 for this month to satisfy the $500 requirement? Or do all $500 need to come from ACH?

      • It just says "$500 in accumulated deposits during the month." So I think you will only need to deposit additional $400. And no, you do not need to hold the $500 in your checking account, as it is not a net deposit requirement, and you should be allowed to spend the money in your checking account.

  • they want an electric or heating bill with your name on it. which anyone who rents isn't gonna have...

    and a paystub, which rules out anyone self-employed too

    • Your results were not typical. Usually banks/CU's will only ask for utility bills if your D/L info or credit report info doesn't match your current mailing address.

      You could ask if you can substitute your "paystub" for a bank statement or something else. GL!

  • In theory, for the checking bonus, I should just be able to put in $100, enroll in e-statements etc, and pull it back out? That’s how I read the language.

    • Why not just move it over to the Savings and earn 5% APY? Leave like $1 in the checking so they don't close it. @guest_2030010

  • The $500 per month deposit to the checking for the 4% rate doesn't need to be maintained in the checking, correct? Also the $5000 balance for the savings doesn't need to be new money? So I guess I can ACH $500 into the checking and then transfer it into the savings and that would count towards the $5000?

      1. Correct.
      2. Correct.

      Explanation: IME, the savings bonus paid out early without being new money. The checking has no holding requirement (but yet to payout).

  • My P2's $100 Savings Bonus hit the CCCU account yesterday.

    02/17/2025 Opening Dep $400 (CC funding Citi Double Cash purchase of $500 split chk/sav)
    02/27/2025 Balance requirement met ($5,001.00 thru various pushes into Savings)
    02/28/2025 Deposit Dividend Earned 5.01% APY 02/17/25 to 02/28/25
    03/19/2025 Deposit Promo Bonus $100.00

    $100 Checking Bonus should be next month.

    02/17/2025 Opening Dep $100
    02/25/2025 Withdrawal Bill Payment / VERIZON BILL PAYMENT -$1.00 (proving debit card activation)
    02/26/2025 Deposit $501.00
    02/28/2025 Deposit Dividend Earned 4.22% APY 02/17/25 to 02/28/25
    (future dated)
    03/26/2025 Deposit $501.00?
    04/18/2025 Day 60 Bonus?

    Technically the bonus requirements do not require the $500 checking deposits, but us overthinkers are trying to avoid any issues because the emailed terms implied you needed to complete the high APY checking qualifications of depositing $500 monthly & debit card activation.

    @2 Title "Must Be A Member of A Christian Ministry" can be removed. Nobody I know of is being hassled for letters or declarations of faith. The application allows for nationwide eligibility using the Christian Alliance for Orphans (CAFO) option without any pushback. Stacked with a $50 referral, which also should payout at around day 60 (plus 2-3 weeks processing?), and easy requirements, it's not a bad bonus at all.

  • 02/16/25: account approved.
    02/28/25: savings account reached $5K and kept the money there for 5% APY.
    03/19/25: $100 bonus for savings posted.

    Haven't received the $100 bonus for the checking yet, but I did $500 in ACH deposits to it each month.

    • I’m confused why you did $500 in ACH deposits each month? According to the language, shouldn’t it just be $500 total: “$500 in accumulated deposits during the month”.

      Also, did you close the savings after you were done to avoid the monthly fee?

      • They conflated the 4% APY requirements and the bonus requirements for the Checking, see earlier discussions here. I am doing $500 ACH deposit each month to be on the safe side, as @guest_2008116 said.

      • Checking bonus pays out in 60 days per terms. It's unclear if $500 ACH deposit is needed for the bonus, so it's safer to just do $500 deposit per month.

        You forfeit bonus if you close before 6 months. Up to you if you wanna risk getting clawback

    • Thank you Shawn. So you're not worried that they would take your 5k and turn it into 2 fishes and 5 cookies @guest_2006076

    • Checking should be after 60 days based on the offer page

      "*Special bonus offers will be deposited after 60 days for Harvest Checking and 30 days for Harvest Savings once approval of membership eligibility and product requirements have been met."

  • DP: Registered via Referlive link, then applied through the bank's offer page. Selected both checking and savings account. The application asked for phone number then pre-filled a lot of information. Entered the promo code on the "edit main applicant" page. Funded $100 for checking and $400 for savings. Submitted and received the "We will contact you within the next business day" message, however received email saying the account was opened immediately. Enrolled in online banking with the member number from the email, and created a separate account for e-statement after logging in. $500 cc funding with BOA card went pending as purchase.

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