Update 2/7/26: Bonus increased to $300. Hat tip to ShawntheShawn
Offer at a glance
- Maximum bonus amount: $200
- Availability:
- I live, work, or worship in Washington state.
- I live, work, or worship in North Idaho.
- I’m related to or live with someone who is eligible.
- Direct deposit required: Yes, no minimum mentioned. Says recurring deposit rather than direct deposit
- Additional requirements: Use promo code
- Hard/soft pull: Soft pull
- ChexSystems: Unknown
- Credit card funding: Yes, $500+
- Monthly fees:
- Early account termination fee:
- Household limit:
- Expiration date:
Contents
The Offer
- Numerica Credit Union is offering a $300 bonus when you open a new checking account and complete the following requirements:
- Use promo code MACQ0125
- Set up a recurring monthly deposit within 30 days of account opening
The Fine Print
- *To receive the $200 bonus, you must:
- (a) Open a Bonus Checking account by Dec. 31, 2024, using promo code MACQ0624.
- (b) Set up a recurring deposit to your new Bonus Checking account within 30 days of account opening.
- The second instance of your recurring deposit activates the bonus. A $200 deposit will be made to your Bonus Checking account the day following the second deposit. Existing Numerica members do not qualify for the $200 bonus. You must qualify for membership. Limit one $200 bonus per individual (based on Social Security Number).
- 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 any early closure fee in the fee schedule.
Our Verdict
Looks like opening out of state does work, unclear if the bonus will pay out. Worth doing as no direct deposit is required, I suspect this will be shut down quickly if out of state does work though.
Hat tip to ShawntheShawn
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
View Comments (86)
We regret to inform you that we are not able to approve your new account application.
We were unable to verify your identity or other personal information at this time.
Rejected with the above message. Does this mean not due to Chex, and it's worth contacting them/trying again?
Decline with lol/24. One interesting thing.
2/8 - 3 x pending 500 numerica charges that don’t go through
2/14 - still pending on cc
def chex sensitive
chex score 889 out of 899, denied
called in and was told that i had too many inquiries that triggered manual review
Chex score: 0739
Live in washington
Denied.
Can we just make 1 direct deposit each month for two consecutive months to get the bonus or do we need to make 12 monthly debit card purchases also?
*To earn the $300 bonus, you must open a new membership account and a Bonus Checking account using the promo code MACQ0125. Then, complete one or both of the following within the first three months of account opening:
Meet Bonus Checking account qualifiers for two consecutive monthly qualification cycles: (a) make 12 transactions of $5 or more that settle to your account using your Numerica Visa debit or credit card, and (b) receive your statements electronically (eStatements). And/or make a minimum of one direct deposit per month for two consecutive months totaling $500 or more. 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. Person-to-person payments (PayPal, Venmo, Zelle, etc.) are not considered a direct deposit.
@guest_1899675 Thank you. I will be making direct deposits only.
in footprint
First account with them. Automatically approved and funded with HA biz. Funding counted as a purchase
Keep getting a call from them though (didn't pick up), not sure what that's about
@guest_2003368 - YMMV but for myself (did last year for $250) they required a phone call to complete account set up, and for my P2 (who just did under new $300 offer) they required a video call.
thanks for DP. called and ended up just being a courtesy call on new account opening questions and trying to convince me to sign up of other products. Nothing related to account opening, account was fine
Confirmed over chat with CS that this offer is for new membership so previously closed accounts won't be qualified for this bonus.
Approved after wait 2 day message (applied on Saturday). OOS.
[oos] denied due to Chex 0649
Same
Sucks
Can fund $500 with credit card. However, denied after review due to chex. Score 752