Offer at a glance
- Maximum bonus amount: $100
- Availability: Must live, work or worship in one of the following counties: Cumberland, Harnett, Hoke, Lee, Moore, Robeson, Scotland. All in North Carolina
- Direct deposit required: Yes, no minimum mentioned
- Additional requirements: None
- Hard/soft pull: Hard pull
- ChexSystems: Unknown
- Credit card funding: Unknown
- Monthly fees: $2.95 – $5.95
- Early account termination fee: None
- Household limit: None listed
- Expiration date: None listed
Contents
The Offer
- Fort Bragg Federal Credit Union is offering a $100 bonus when you open a basic or secured checking account and receive a direct deposit
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
- Secure checking account has a $5.95 monthly fee. Waived with minimum average daily balance of $10,000 or more
- Basic checking account has a $2.95 monthly fee. Waived with minimum average daily balance of $200 AND direct deposit
Early Account Termination Fee
I wasn’t able to find any EATF in the fee schedule.
Our Verdict
Bit difficult to keep the accounts fee free, especially for a $100 bonus. If it turns out to be a soft pull it might be worth doing for people that have already done the bigger bank account bonuses.
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
View Comments (5)
Applied out-of-state.
*TransUnion hard pull.
No Chex alert yet.
Eligibility: I chose AUSA local chapter.
Funding: $105 max. (Debit Card, bank transfer, mail a check).
Application pending
UPDATE:
After I received a debit card in the mail, they pulled my Chex report (14 days after opening) and then Closed my account without any notification.
So I wasted a hard pull and a Chex pull.
Approved.
What are your TU stats? Should I thaw?
Thaw it because they will do a hard pull. My credit score is high, had 4 hard pulls on TransUnion when they pulled it. I utilize 6% of my credit.
Never got a Chex alert and I can confirm they did NOT pull Chex.
Had to send them copy of AUSA membership.