Update 8/4/24: Referral bonus now $50.
Update 1/7/24: OnPath is now on Swagbucks for $40. Might be possible to stack this bonus along with the $100 referral.
Extended until 3/31/24
Update: I’ve created a separate referral page. Be sure to follow the rules there carefully or your link will be removed.
The Offer
Direct Link to offer | Referral offer
OnPath FCU offers two reward checking accounts:
- 7% APY High Yield Checking account for up to $10,000.
- 5% Cash Back checking account for up to $200 in spending ($10 free money) per month.
There are monthly qualification cycle requirements to earn that higher interest rate or cashback:
1) Log in to online or mobile banking
2) Be enrolled in and receive e-statements
3) Have at least 15 debit card purchases post and settle
Additional Details
- Credit union can be joined nationwide by making a $5 donation to the OnPath Foundation.
- They do pull Chexsystems, but no hard pull, unlikely for EWS. Not Chex-inquiry sensitive.
- $1,000 in CC funding: The application says $2,500, but only allows $100 to be filled in, and when on the phone finalizing the application, you can request $1,000. (Citi Double Cash posted as purchase.)
Referral Offer
Currently this credit union is running a ReferLive referral program with a $100 Visa rewards card for both parties. To earn the $100 Visa® Reward Card, the new customer must register via a ReferLive link, open a new OnPath FCU personal or business checking account, and complete the following within 60 days of account opening:
- Make ten (10) or more debit card transactions (excluding ATM transactions), AND
- Have one (1) or more direct deposits totaling at least $250 (no DP’s for fakes yet)
There is a limit of $500 you can earn from referrals. Max this out by referring five friends.
Our Verdict
Feel free to discuss below. I’ve created a separate referral page. Be sure to follow the rules there carefully or your link will be removed.
Thanks to Gadget – Bank Bonus Geek and ShawntheShawn for sharing this deal
Does this CU offer CC funding for CDs?
Yes, but they only allow $100. Some have mentioned being allowed to increase it to $1K but that’s not a guarantee.
PSA: I have so far now had to ask this credit union 3 times to opt-out of overdraft protection. Whether the third time actually worked is yet to be seen. The documents I signed had the opt-out box checked, but that apparently means very little. This is after the original documents had to be voided because the opt-out box wasn’t checked despite me asking for it in the application.
I accidentally used my debit card instead of my Refer Live gift card to make purchases. Stupid, yes, but the gift card looks very much like a debit card. Anyway, I was hit with almost $100 in NSF fees for $30 worth of purchases. They refunded them but only after showing proof that I’d opted out because I STILL wasn’t opted out in their system.
I’m seeing that Fidelity CMA or Wise could trigger the DD. If we are using Wise, do we just put in “Payroll”? Also, can anyone confirm if Fidelity CMA does trigger the DD because I see mixed data.
Has anyone on here funded 1k on OnPath Credit Union online? I’m seeing that I might need to call them to get the 1k funding. How were our experiences with them?
I never called.
Hi Gadget 🕵️♂️ Bank Bonus Geek
Could you send the information how to use paypal 0.01 payment to complete 15 debit card purchase? Thanks!
Not really my thing, as
mothman69 is a founding member of the PayPal penny club.
It was discussed here: https://www.doctorofcredit.com/sofi-money-matching-all-round-ups-up-to-50-in-match/#comment-1285344
Thank you!
I understand that you could do 1k CC funding for the initial application. Could you do additional CC funding after the checking account is opened? Are there any savings, money market or CDs that you could open?
Not seeing the $100 bonus offer, so expired?
The $100 referral bonus is now $50.
Pluv
The SB/MP offer appears to be gone.
7% APY on $10K is still a decent deal… and only requires 15 debits/month.
Open Onpath Checking by email. No phone call
07/07/2024: Funded by Chase Ink Prefer 1k (incl. 5$ donation, 5$ in savings account, 900$ in checking account).
Chase counts as a sale.
Are you Out Of State? They are in Louisiana
OP allows OOS applicants.
Open Onpath Checking by email. No phone call
07/07/2024: Funded by Chase Ink Prefer 1k (incl. 5$ donation, 5$ in savings account, 900$ in checking account).
Chase counts as a sale.
I’m assuming someone would’ve mentioned having issues with the Swagbucks stack? I had to submit a ticket to get credited with SB, so, while logically I’m really skeptical it would matter in this case, I’m just a tiny bit anxious to hit the requirements before SB pays out.
Stack worked.