Offer at a glance
- Maximum bonus amount:
- Availability: If you live, work, worship or attend school in Washington state or reside in Kootenai, Bonner or Benewah Counties in the State of Idaho, you are eligible to join Spokane City Credit Union.
- Direct deposit required:Â Yes, no minimum
- Additional requirements:Â Use a referral
- Hard/soft pull:Â Unknown
- ChexSystems: Unknown
- Credit card funding:Â Unknown
- Monthly fees:Â None
- Early account termination fee:Â Unknown
- Household limit:Â None, but maximum of $500 in referrals
- Expiration date:Â None listed
Contents
The Offer
- Spokane City Credit Union is offering a $150 referral bonus to both parties when the new member opens a new checking account and completes the following requirements:
- Receive a direct deposit within 60 days of account opening
The Fine Print
- Your direct deposit needs 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 (such a Zelle or Venmo) and microdeposits (any deposit under $5) are excluded.
- The maximum payout during the promotional period is $ 500 per membership per annum. The promotion is subject to change with or without notice and may be discontinued at any time.
- All bank account bonuses are treated as income/interest and as such you have to pay taxes on them
Avoiding Fees
Monthly Fees
No fee checking account has no monthly fees to worry about.
Early Account Termination Fee
I wasn’t able to find a fee schedule so unsure if there is any EATF.
Our Verdict
Feel free to share your referrals in the comments below, just also share if it’s a hard or soft pull.
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
looking for a referral, thanks! Please email [email protected] and I’ll provide my info.
Seems they only accept Spokane residents. I got rejected as I live in other WA area.
Here is the application beginning info:
Thank you for choosing Spokane City Credit Union. We welcome residents of the Spokane area. For new members only there is a $20 membership fee.
I had a call with them, they told me all WA state area should be included. However, there was some technical issue from their web side that my living area zip code was not accepted. Unfortunately, there was no guarantee when they could fix it. My WA zip code is still rejected today.
How did you try to open an account? The link above just has someone put your info and then they reached out to me via email. But there is no where to open an account online. I am waiting for their response. The address I gave is in Seattle to the person referring me but I have a Spokane P.O. Box, an address in Chattaroy (although it can’t receive mail) and one in CDA. Not sure if they will accept any of these.
Hello!
Hoping a member would be so kind to share a referral. Please email me, and I can provide any info needed to complete the form – [email protected].
I’m looking for a referral as well! [email protected]
Hi, looking for a referral. Please send it to me at [email protected]
I would love a referral from a member of this CU who wouldn’t mind filling in the form online (and making $150!). If so, please email me at [email protected] and I can send you the required info for the form. Thanks!
Someone submitted my referral and I received an email telling me to apply online or in person. However, I was told that I would need to come in person to finish the application regardless. At this point they have none of my info and still require an in-presence element to the application. This is likely the same for all new applicants, or possibly my banker is just suspicious of me.
If some current member of this CU would like to refer me and doesn’t mind sharing his/her first and last name, email and phone number, please email them to [email protected] and I will reply with my information to fill the refer form, thanks
Anyone want to send me a referral?
On their website, it says, “There is a one-time $20.00 membership fee to join. A Membership Service Representative will contact you to finalize this application.”. You probably DON’T expect this to be instant approval.
Also, what kind of CU would charge people $20? This sounds more like a donation than a deposit
https://sccu.net/join-sccu