[TX, MN, KS] Unity One Credit Union $250 Checking Bonus

Update 9/29/24: Bonus has increased to $250, direct deposit requirements reduced. Hat tip to ShawntheShawn

Offer at a glance

  • Maximum bonus amount:
  • Availability: TX, MN, KS
  • Direct deposit required: Yes, $2,500+ for the full bonus
  • Additional requirements: None
  • Hard/soft pull: Unknown
  • ChexSystems: Unknown
  • Credit card funding: Unknown
  • Monthly fees: None
  • Early account termination fee: None
  • Household limit: None
  • Expiration date: None listed

The Offer

Direct link to offer

  • Unity One Credit Union is offering a $200 checking bonus, bonus is broken down as follows:
    • $100 if you have a recurring direct deposit of $500 or more per month
    • $250 if you have a recurring direct deposit of $1,500 or more per month

The Fine Print

  • Bonus offer valid for new Best Free Checking accounts only.
  • No other checking accounts qualify for bonus.
  • Member must not have a current or prior checking account with Unity One Credit Union.
  • One bonus offer per social security number or ITIN number.
  • Allow up to 90 days from account opening to receive cash back deposit.
  • Earn cash back for the following actions within 45 days of account opening: Receive $100 when you open a new Best Free Checking account, subject to approval, and have a recurring direct deposit of $1,000 or more per month.
  • Cash back increases to $200 if direct deposit reaches $2,500 or more per month.
  • Your direct deposits need to be an electronic deposit of your paycheck, pension or government benefits (such as Social Security) from your employer or the government.
  • Micro-deposits, Person-to-Person (such as Zelle®) and bank transfers between your Unity One accounts or accounts you have at other financial institutions or brokerages are not considered a direct deposit.
  • All bank account bonuses are treated as income/interest and as such you have to pay taxes on them

Avoiding Fees

Monthly Fees

This account has no monthly fees to worry about.

Early Account Termination Fee

I wasn’t able to find an EATF in the fee schedule

Our Verdict

If anybody decides to do this bonus, please share if it’s a hard or soft pull to open in the comments below. It should be worth doing if it’s a soft pull.

Hat tip to Bockrr

Useful posts regarding bank bonuses:
    William Charles
  • On September 29, 2024, 23:20
Tags: direct deposit requiredks bank bonusesmn bank bonusestx bank bonuses

View Comments (37)

  • Got pending approval. $500 charged to citi biz card (see it pending currently)...waiting for next email from them. No HP as reports were frozen..will keep everyone posted.

    • Follow up - emailed me saying I was declined hey failed to verify my identity. I want to say it's because of the frozen credit reports and wings did the same thing. Problem is I don't know if they hard pull and I don't want that. Wish there was a DP saying they weren't and I'd try with p2

      • They cite identity verification but it's most likely due to Chex inquiries based on old comments. You'll get a mail later citing chex

  • For anyone considering this offer, they seem to be very chex sensitive. Both P1 and P2 were declined in 2023 when they had the $200 offer. I'm going to call to see if they'll give any info on how sensitive. Located in footprint but not sure if not close enough to a branch or just too many Chex inquiries. Here's the stats:

    P1 2/1, 4/2, 5/3, 8/4, 13/6, 14/12
    P2 0/1, 2/2, 2/3, 6/4, 9/6, 12/12

  • Bonus increased to $250 with lower direct deposit requirements:
    https://unityone.org/join-unity-one/

    • Receive $100 when you open a new Best Free Checking account, subject to approval, and have a recurring direct deposit of $500 or more per month.
    • Cash back increases to $250 if direct deposit reaches $1,500 or more per month.

    @2

  • Opened 8/5/23; hoped for bonus 11/5/23; Asked via internal msg on 12/19 about credit, posted same day.

    No hard pull for opening this account.

  • I live, work, worship, or attend school in one of the following Minnesota (MN) communites

    ARDEN_HILLS
    CENTERVILLE
    HEIGHTS
    HUGO
    INVER_GROVE
    LAKE_ELMO
    LITTLE_CANADA
    MALTOMEDI
    MAPLEWOOD
    MENDOTA_HEIGHTS
    NEW_BRIGHTON
    NORTH_ST_PAUL
    OKADAYLE
    ROSEVILLE
    SOUTH_ST_PAUL
    ST_PAUL
    VADNAIS_HEIGHTS
    WEST_ST_PAUL
    WHITE_BEAR_LAKE
    WOODBURY

    • As a lifelong MN resident, don't think you'll ever find HEIGHTS, MALTOMEDI OR OKADAYLE. Ufda.

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