Offer at a glance
- Maximum bonus amount: $100 gift card selection
- Availability: Select areas in PA only
- Direct deposit required: No
- Additional requirements: No
- Hard/soft pull:Â ?
- Credit card funding: ?
- Monthly fees: $0
- Early account termination fee: None
- Expiration date: None specified
The Offer
- Receive a $100 gift card when you open a new free checking account with Citadel Credit Union (Lowe’s, Outback Steakhouse & Target are showed on the promotional page)
- Must live, work worship or study in one of the following Pennsylvania counties:Â Bucks, Chester, Delaware, Montgomery, and Philadelphia. Also included is the city of Lancaster
The Fine Print
- Only available to new checking customers, if you’ve closed your account within the last 12 months you will not be considered a new customer
- Gift card will be sent out approximately 3 weeks after account is opened
- $50 minimum deposit to open new account
- Gift card selection subject to change
- All bank account bonuses are treated as income/interest and as such you have to pay taxes on them
Avoiding Fees
Their free checking account doesn’t come with any monthly fees, although it does have an inactivity fee of $15 if the account is inactive for 90 days or more. There is also the star checking account which has a monthly fee of $7 if the average daily balance is lower than $500. There is no early account termination fee associated with any of the accounts.
Our Verdict
This isn’t a bad deal considering that the only requirement listed if that you open an account, I’d recommend this deal for those in PA if it’s possible to ensure it’s only a soft credit pull – but at the moment we haven’t been able to do that. It’d also only be worth it if you could use the gift cards that are on offer, otherwise it’d be pointless (reselling would only get you ~80% of the value, which makes the deal fall below $100 which is not worthwhile in my opinion).
If you do sign up for this deal, let us know if it’s a hard or soft pull and if it’s possible to do credit card funding with this account. Until then, feel free to browse other checking promotions or skip straight to the best current offers.
Direct link to offer | Screenshot of offer