[Expired] [Targeted, TX, LA only] Credit Human $200 Checking Bonus, Direct Deposit Not Required

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

Update 9/15/23: Deal is back through 11/18/23. Updated the link below. Offer limited to residents of San Antonio TX, Houston TX, New Orleans LA, and surrounding areas. Also has targeted language ‘The promotion code will automatically be added if you clicked on the actual digital ad presented to you. It will not be added by simply visiting our website. The digital ads we present are intended for targeted audiences near and around our Credit Human Financial Health Centers’

Update 7/29/23: Extended to 9/16/23

Update 5/20/23: Reposting as direct deposit not required.

Update 3/19/23: Deal is back and now $200. Hat tip to reader NBG

Update 9/30/20: Deal is valid until November 7th, 2020. Hat tip to reader

Offer at a glance

  • Maximum bonus amount: $200
  • Availability: Must live, work, worship or attend school in the Western or Southern area of San Antonio. Also looks like you can join by becoming a member of the Texas Consumer Council.
  • Direct deposit required: Yes, two direct deposits $100+ within 60 days of account opening
  • Additional requirements: Use promo code
  • Hard/soft pull: Soft pull
  • ChexSystems: Unknown, sensitive
  • Credit card funding: Yes, $500+
  • Monthly fees: None
  • Early account termination fee:
  • Household limit: One
  • Expiration date: September 12, 2020

The Offer

Direct link to offer

  • Credit Human is offering a bonus of a $100 when you open a new checking account and complete the following requirements:
    • Use promo code Spring23 (promo code applied automatically)
    • Register for online banking and enroll in online statements
    • Use your debit card 10 times

The Fine Print

  • Only one new checking account per primary member by household mailing address is eligible for the incentive offer and cannot be combined with any other Credit Human offers.
  • Minors are not eligible to participate.
  • Offer valid with online account opening or at any Credit Human location. Membership eligibility required, and subject to Credit Human Membership Agreement.
  • Current Credit Human members, employees and businesses are not eligible.
  • To receive the incentive
  • 1.) New members must open a Credit Human Checking Account before September 12, 2020.
  • 2.) Minimum deposit of $5.00 required to establish membership. Checking accounts require a minimum $25 deposit to open AND
  • 3.) to receive the $100 incentive, the checking account must remain open at least 60 days from account opening and at least two recurring direct deposits greater than or equal to $100 must occur.
  • Funds will be deposited into your checking account within 90 days after promotion end date of September 12, 2020 and are contingent upon meeting offer requirements and account must be in good standing.
  • Incentives are considered interest and will be reported on IRS Form 1099-INT.

Avoiding Fees

Monthly Fees

They offer a free checking account with no monthly fees to worry about.

Early Account Termination Fee

I wasn’t able to find the fee schedule so unsure if there is an early account termination fee or not

Our Verdict

This is a small bonus with a direct deposit requirement so not that attractive. We will add it towards the bottom of the best bank bonuses page.

Useful posts regarding bank bonuses:

Post history:

  • Update 9/5/20: Deal is valid until September 12 and confirmed soft pull.
    William Charles
  • On September 17, 2023, 11:00
Tags: credit card fundingdirect deposit not requiredtx bank bonuses

View Comments (323)

  • DP: Closed via chat, with zero balance (other than $5 share). Only took a minute - super efficient. Only asked to confirm name & address.

  • 11/03 Opened online from Houston

    Did $1 Amazon reload coded as "Withdrawal Point-of-Sale POS"

    12/31 $200 Bonus posted as "Deposit Promo Incentive"

    Thanks DOC.

  • maybe I should have pushed the issue, but CSR today said they no longer accept "credit" cards, only debit for account opening-odd. Did any of you fund AFTER initial account setup?? TIA

    • What really gets me is it seems quite a few OOS have been successful. I’m actually right here in the same town and can’t get this right; went to a branch today as directed by CSR, because online wasn’t working with funding; I had sent them the information they asked for, an email & 2 secure messages via link sent to my email w/ ref #…the local branch didn’t seem comfortable that my physical address, in same town, was far away from their branch, told them that this location is closer to work; Even though they had the application ref# and my SS, couldn’t find me in their system…then said they show no promos even digital and asked me for a copy of my letter and tried to explain it to them and they said sorry, so after 3 calls, messages,driving=zilch.
      Ps online says you can use other forms of ID like military and they said it wouldn’t take, had to be drivers license and of course they wanted a TX DL; then I would have to provide recurring proof of physical address, eg lease agreement, utility bills. If I didn’t know any better, I think these guys were a brand new Fintech start up.

      • Guess they learned their lesson letting in out of state losers like me. Times change. That's unfortunate you are having issues though.

  • There is no exclusionary language as far as I see. Secret terms and conditions are not valid, generally speaking. They need to write that down. It is plainly available when I search it on Google.

    Not that I would try this bonus knowing that.

    • The fine print at the bottom of the page says:

      "Offer limited to residents of San Antonio TX, Houston TX, New Orleans LA, and surrounding areas. Minors, business entities, and Credit Human employees are not eligible."

      • The social media targeting aspect. If you have archived the T&Cs that would be helpful.

        Credit Human is not registered in LA so I am unable to send a demand without serving them in branch.

        • If they wish to spend their advertising dollars on non-qualified customer click-throughs, that's their problem. You are still responsible for knowing what you are signing up for and the rules at the time you sign up.

          And. just to be clear... yes, this offer was potentially nationwide, until September of this year. My P1 & P2 got the bonus earlier this year from Virginia. So, if you get a time machine and go back, you could sign up and use the older terms.

          Promo page from June 3rd, 2023:
          https://web.archive.org/web/20230603090230/https://www.credithuman.com/promotional/reward

  • Still have yet to receive my bonus. I opened my account on the last day of the promotion during July. Submitted my application on July 14th, but my account wasn’t opened until the 18th. I confirmed with a rep the day I submitted my application that I would still be eligible for the promotion. I’ve called twice, and so far reps have just told me to wait a little longer. The last rep I talked to said I should call back on Friday if I still haven’t received it, and they would help me file a report to get the bonus.

    • I called today and the rep reached out via email to whoever sends their promos to their customers. Got the $200 promo a couple hours later.

  • WARNING - new fine print, this is no longer nationwide with ACC membership!!!
    "Offer limited to residents of San Antonio TX, Houston TX, New Orleans LA, and surrounding areas."
    @chucksithe @will

  • TARGETED OFFER! "The promotion code will automatically be added if you clicked on the actual digital ad presented to you. It will not be added by simply visiting our website. The digital ads we present are intended for targeted audiences near and around our Credit Human Financial Health Centers."

  • Made a guess based on comments below and clicked through links on their site to apply (not via DoC link) and successfully manually applied code Fall23 (e.g. Summer23 errored out as expired). The promo code showed on submission page (no promo field is visible via DoC link). I received an internal message that the code had expired and asking if I wished to proceed. At the same time I received an ID verification email confirming they pull Equifax and ChexSystems (they asked me to unfreeze both though neither was frozen).

    The code clearly had not expired and this is a Sunday, so they seem to be running some other check (address in service area?). I have a screenshot showing the accepted code so I could press the issue but probably will not since I'm several hours from any of their service areas.

    • Maybe you needed to wait until tomorrow?

      Incentives to be deposited into your checking account within 60 days of account opening during promotion period of September 18, 2023, through November 18, 2023

        • I got that message too and got confused because I hadn't read this post or the signup page carefully enough so didn't even realize there even is a promo code attached. Messaged them back telling them as much and just linking them to the promo page being active and live offer open to all. Should be OK

          • Update: logged in to application center link they communicated to me through to find my app has been "canceled."

            Pretty sure I'm in the footprint. I'll give it another go with latest promo code.

          • I got auto-cancelled after 1 day also, despite the message saying my app would cancel in 10 days if no action was taken.

          • I couldn't find a place to put a promo code anywhere in the app, so no, I haven't

            Also got another message asking for address confirmation in form of utility bill etc.,even though app shows as canceled

            Gonna write this one off

  • I just applied and received the email: [9/17/2023 5:05:02 PM] Credit Human FCU:

    Hello,

    The promotional code used for this application has expired. Please let us know if you would like to proceed with the application with no promotion by replying to this message. If we do not hear back, this application will cancel 10 days after 9/18/2023 and a new app will need to be submitted.

    Thank you for choosing Credit Human Federal Credit Union

    • Which code did you use? I do see this in the T&C. Maybe it's not active until tomorrow?

      Incentives to be deposited into your checking account within 60 days of account opening during promotion period of September 18, 2023, through November 18, 2023

  • @chucksithe @will this shouldnt be marked as 'Expired'.

    Current link is https://www.credithuman.com/reward and says
    "Credit Human checking account required to be open before November 18, 2023 "

    (but also "Offer limited to residents of San Antonio TX, Houston TX, New Orleans LA, and surrounding areas")

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