Offer at a glance
- Maximum bonus amount: $100
- To be eligible you must live/work/worship/attend school in the state of Washington or one of these Oregon counties: Multnomah, Marion, Benton, Clackamas, Clatsops, Columbia, Coos, Crook, Curry, Yamhill, Washngton, Wasco, Tillamook, Polk, Linn, Lincoln, Lane Klamath, Josephine, Jefferson, Jackson, Douglas, Deschutes, Hood River
- Direct deposit required: No
- Additional requirements: Open other qualifying account and use promo code WS150
- Hard/soft pull: Hard pull, might be soft pull now?
- ChexSystems: Unknown
- Credit card funding: Up to $2,550. Can fund with Visa, Mastercard & Discover
- Monthly fees: None
- Early account termination fee: $5, 90 days
- Household limit: None listed
- Expiration date: None listed
Contents
The Offer
- Advantis Credit Union is offering a bonus of $100 when you open a new checking account. Open an additional qualifying advantis product within six months:
- Certificate of deposit
- Money Market
- IRA
- Any loan – including refinancing a loan from another bank
- Any credit card – including transferring a balance from another bank
- Mortgage
The Fine Print
- $100 New Member Offer may be discontinued at any time without notice.
- Offer only valid for new Advantis Credit Union members (i.e. Individuals without an Advantis membership in the previous 6 months) and must be 18 years of age or older.
- To qualify for bonus, open a regular or business savings account and be designated as the primary owner/signer on the qualifying consumer or business checking account and additional product including consumer or business Certificates of Deposit, consumer or business Money Market, Consumer IRA, any type of Consumer or Commercial loan, or any type of consumer credit card or mortgage.
- $100 bonus will be treated as interest for tax reporting purposes.
- The account and qualifying products must be opened within 6 months after opening of the membership.
- Limit one $100 bonus per primary Tax Identification Number.
- Bonus will be paid within 15 business days after the 3rd qualifying product is opened during the qualification period.
- All bank account bonuses are treated as income/interest and as such you have to pay taxes on them
Avoiding Fees
Monthly Fees
The fusion checking and cash back checking accounts have no monthly fee. The money market account also has no monthly fees.
Early Account Termination Fee
There is also no mention of any early account termination fee in the fee schedule, but account must be kept open for 90 days to get the bonus. $5 early account termination fee if closed within 90 days
Our Verdict
They have offered a $150 checking bonus in the past. Money market account is probably the easiest account to open to qualify for this bonus. Hard pull probably means it’s not worth doing. Because of that we won’t be adding it to our best bank bonus page.
Hat tip to reader Tanya
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
P2 got a denial for too many Chex inquiries.
After 6+ accounts, I finally got a denial. They are indeed chex sensitive.
The new account bonus isn’t active, but I signed up for an Advantis checking account so I can share some recent DPs:
Update: It took a while, but the SYW points for the funding eventually did post.
any chance you got a referral for this CU? Could use the CC funding…..
TL;DR No hard pull, BoA credit card funding of $2550 coded as purchase, but not in a CCR online shopping category
10/30 Sent in contact form asking which credit bureau would need to be thawed to apply, and would it be a soft pull
10/31 Email reply stated hard pull only if applying for credit, soft pull for account opening identity verification but couldn’t say which to unfreeze
11/5 Took a shot on BoA More Rewards Saturday, P1 unfroze all 3, applied for CK/SAV/MM online in footprint, passed verification, funded with BoA CCR for $2550 (cash advance set low), half expected a fraud alert text but received BoA email charge auth notice for $2550, however no instant accounts just a screen saying app complete we’ll let you know if anything else is needed. No hard pulls, refroze all 3. P2 repeated using a different BoA CCR, same results
11/7 P1/P2 receive welcome to Advantis emails
11/8 BoA charges post with transaction date moved to 11/8, crap. Purchases coded as “Professional Services not Elsewhere Classified” i.e. category 8999 which is excluded from online shopping, double crap. Platinum honors rewards of $44 each instead of $132 had it been online shopping, in hindsight UCR would have had few extra reward $
11/15 P1/P2 each have $100 Qualified New Member Bonus credited to checking, quick payout since the updated terms were considerably longer
11/28 BoA comes through with More Rewards Day courtesy adjustment of $51 each for P1/P2
Not the CCR “online shopping” reward I’d hoped for, but still almost $400 for less than an hour of work. Probably took longer to write this lengthy post 😉
The minimum opening deposit for money market is $2500, but I can’t tell if after opening you can immediately transfer it out. Anyone have a DP?
glenn 
Jakob 
Matty
Based on the MM APY tier chart showing “$0.01–$9,999.99 0.10%” and further down “Your account is FREE – no monthly fees” shown at https://www.advantiscu.org/personal/money-market-accounts a reduced balance seems to be okay.
A month or so after the bonus posted, I dropped to $1 each in MM and CK, and $5 in SAV. No squawking so far, and the last statement didn’t show any fees. YMMV, might want to save a screenshot if you try it.
I waited until the bonus hit, then moved the money out. It was 10 days, so not a huge hit to any interest I might have otherwise earned.
Mark
I opened this account for the CC funding. The $100 bonus is gravy. Here’s my DP:
Applied 1/17/23. I’m OOS. Chose relative in WA for eligibility. Got an email that it was waiting approval. A few hours later, got email that I was denied. I called in and asked why. Very nice rep said it was because I had 3 Chex inquiries in the last 90 days. I came up with an explanation for that, and the rep said OK, apply again. I immediately applied again and was approved.
Successfully funded $2530 with CIC ($25 for checking, $5 for savings, $2500 for MM). No hard pull.
Ccing
William Charles and 
Chuck to make a note of their Chex sensitivity.
Update to my DP:
$100 bonus posted 1/24/23 (was scheduled to post by 2/1/23).
So there will be 2 chex inquiries on your report?
Attempted to open account today. Went pending. Tried to fund 2505 with new INK cash. Looks like it went through. Not sure if coded as cash advance or if it was purchase. Also not sure if it’ll track on the bonus tracker. Will update post once I know more.
Currently no hard pull either
are you OOS? looking forward to your updates
I’m in state. Got approved after drivers license and bank statement with current address upload.
2500 coded as “business services” for chase. And is showing in the MSR tracker for bonus. So everything worked perfectly.
Can confirm no hard pull, had all three bureaus frozen. Successfully funded with CSR $2550. It (appears to have) coded as purchase but still pending although the $2550 counted towards my MS for my SUB.
Anyone know how many accounts I can open with Advantis and fund with cards? I have some MS coming up that I’d love to knock out. Cheers
Update on the CSR funding counting toward SUB?
Any updates on the multiple accounts or any issues with using the CSR?
Perhaps add this to the Best Bank Account Bonuses page? Seems to qualify if there’s no hard pull.
-6/22 – Application submitted online & auto approved without a hard pull; opened checking, saving, and MMA with $2,550 in CC funding on CSR
-6/29 – $100 bonus posted to checking account
after you open it does it just give you option to deposit with credit card?