[Expired] [NY, PA, NJ] Visions Federal Credit Union $200 Checking Bonus

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

Update 7/7/24: Extended to December 31, 2024

Offer at a glance

  • Maximum bonus amount: $200
  • Availability:
    • New York Residents – If you live, work, worship, or attend school in Broome, Cayuga, Chemung, Chenango, Cortland, Delaware, Madison, Otsego, Rockland*, Schuyler, Steuben, Tioga, or Tompkins Counties, or the cities of Rochester* or Syracuse, you can join.
    • Pennsylvania Residents – If you live, work, worship, or attend school in Bradford or Susquehanna County; the city of Reading*, portions of South Westmoreland* or North Fayette* Counties; portions of the Cities of Allentown*, Bethlehem*, or Easton*, you can join.
      New Jersey Residents – If you live, work, worship, or attend school in Bergen or Passaic Counties; or portions of Essex*, Hudson*, or Union* Counties, you can join.
  • Direct deposit required: Yes, $500+ within 90 days
  • Additional requirements: Debit card and digital banking
  • Hard/soft pull: Soft pull
  • ChexSystems: Unknown
  • Credit card funding: Up to $2,500
  • Monthly fees: None
  • Early account termination fee:
  • Household limit: None listed
  • Expiration date: June 30, 2024

The Offer

Direct link to offer

  • Visions Federal Credit Union is offering a $200 checking bonus when you open a new checking account and complete the following requirements:
    • $100 when you set up new qualifying recurring direct deposits of $500+ within 90 days of account opening
    • $50 when you set up a visions issued debit card
    • $50 when you enroll in digital banking

The Fine Print

  • Three bonuses totaling up to $200 are available if the following activities are met within 90 days of opening new checking account: (1) $100 for new, qualifying, recurring direct deposits made into new checking account; cannot be reallocated from another Visions share account. Direct deposits must be payroll from employment, pension, or Social Security totaling an aggregate of $500 or more within 90 days of opening the new checking account; (2) $50 for Visions-issued debit card linked to new checking account during promotional period; (3) $50 for new, first-time enrollment in digital banking during the promotional period.
  • Direct deposit bonus will be credited 90 days after the open date of new checking account. Debit card and digital banking enrollment bonuses will be deposited within 24 hours of meeting the requirements. Bonuses will be applied to member’s primary savings. Bonuses reportable for tax purposes.
  • Consumer accounts only; must be in good standing. Guardian, rep payee or executor, collections charge-off, business, and/or organizational accounts are ineligible. Must be 18 years of age or older. Offer only valid during promotional period from January 2, 2024 to June 30, 2024. Visions reserves the right to end or modify this promotion without notice. Member cannot take advantage of promotion more than once. Federally insured by NCUA.
  • All bank account bonuses are treated as income/interest and as such you have to pay taxes on them

Avoiding Fees

Monthly Fees

Flex checking has no monthly fees to worry about.

Early Account Termination Fee

I wasn’t able to find a fee schedule

Our Verdict

Looks to be a pretty good bonus, always nice when you can at least get some of the bonus without a direct deposit. Will add this to our list of the best bank account bonuses.

Hat tip to reader Phil P

Useful posts regarding bank bonuses:
    William Charles
  • On January 14, 2024, 17:57
Tags: credit card fundingdirect deposit requirednj bank bonusesny bank bonusespa bank bonusessoft pull

View Comments (99)

  • 2024.10.4 account open
    Real DD
    2025.1.1 bonus deposited (Deposit CAP DD BONUS Checking Account Promotion)

    • How many DD's did you need to do ?
      offer link and this page hasn't been updated with the new terms.
      since May 2024 $200 bonus offer required $500 recurring DD within 60 days?

  • How long does it take to get the $50 for ordering the debit card and $50 for registering for online banking?

      • Yeah, I read that post. It has been two weeks and I do not see anything yet. Do you recommend calling them or waiting longer?

        • I recommend contacting them right away to make sure that the promo was attached to your account.

          BTW, did you end up trying to stack the referral with the public offer? If so, maybe that has something to do with the issue.

          • I did call them and it seems that I made one of my first mistakes, by not reading the promotion correctly. I have to make direct deposits instead of enrolling in digital banking. I have a few ideas on what I might use for the DD, however, I'm wondering what did you use for a DD?

  • It has been around a week and I still do not see the bonus for ordering the debit card and enrolling in digital banking. How long should I wait until I contact them?

  • I need around 2.5k spend to get a SUB for Chase Ink and I set my cash advance limit to $100. Should I see if this bank would code as a purchase? I see that Bofa and a couple of other cards code this as a purchase.

    • Sure, why not? As long as you charge more than the cash limit on the card, you have no risk.

      • Thanks for the helpful replies. I see a few comments in this thread that you do not get cc funding if the account is not instantly approved. Do you think it matters if I apply on Sunday or Monday to make it more likely that I'm instantly approved? Looking forward to your reply.

        • I'm not sure but I always try to apply for new accounts during business hours. The reason is because I've ran into several app issues and had to contact CS. That is a general statement and not regarding Visions specifically.

          BTW, I just checked my records and saw that my account was approved automatically but my credit card didn't end up getting charged due to some kind of issue.

          • Thanks for this advice. The application was a bit clunky and I did see the "V" spinning when doing the application and I did not see a review page to verify that the checking account was opened. At first only the savings account was opened,however, I called them and they opened the Flex Checking account. I did get the CC Funding to go through to their Savings account though. Definitely one of the most clunky applications I have seen.

    • There's no guarantee but the banker that opened my account assured me that they do stack. Be the DP that you want to see. 😉

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