Posted by William Charles on August 14, 2017
Bank Account Bonuses

Published on August 14th, 2017 | by William Charles


1st United Credit Union $100 Checking Bonus [Select CA areas only]

This bonus has expired. View the best checking bonuses here or click here to see if there is any new 1st United Credit Union bonuses.

Offer at a glance

  • Maximum bonus amount: $100
  • Availability: Must Work in / resident of Alameda, Contra Costa, Kings, San Joaquin, Solano or Stanislaus Counties CA, or have family member with account there
  • Direct deposit required: Yes, $500+ 
  • Additional requirements: Use promo code and complete debit card transaction
  • Hard/soft pull: Soft
  • ChexSystems: Unknown
  • Credit card funding: $2,000
  • Monthly fees: None
  • Early account termination fee: $25, 6 months
  • Expiration date: Valid until December 31st, 2017
  • Household limit: None mentioned

The Offer

Direct link to offer

  • 1st United Credit Union are offering a bonus of $100 when you open a new checking account with them when you complete the following requirements:
    • Use promo code SIMPLE (note it says SIMPLE A few times and then in the fine print it says SIMPLER)
    • Establish a qualifying direct deposit of $500 or more within 60 days of account opening
    • Activate and make a signature or PIN purchase with debit card within 60 days of account opening

1st united

The Fine Print

  • Offer not available to existing 1st United checking accounts.
  • Checking account and debit card establishment are subject to credit approval.
  • Members age 12-15 require an adult joint owner.
  • To receive $100 incentive: 1) open new checking account using promotional code SIMPLER; 2) establish a qualifying direct deposit of $500 or more within 60 days of account opening; 3) activate and make a signature or PIN purchase with debit card within 60 days of account opening.
  • A qualifying 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. Bonus is considered interest and will be reported on IRS Form 1099-INT.
  • Offer expires December 31, 2017 and is subject to change or withdrawal at any time.
  • Incentive will be credited after all requirements are fulfilled, beginning April 10, 2017.
  • All bank account bonuses are treated as income/interest and as such you have to pay taxes on them

Avoiding Fees

There is an early account termination fee of $25 if closed within 6 months of account opening. This account does not have any monthly fees

Our Verdict

Soft pull and a nice amount of credit card funding makes this a good deal. I’d like to see another report of it being a soft pull before adding it to our best checking & savings bonuses list.

Big thanks to reader, Curmudgeon who let us know. Please consider sharing bank bonuses with this site so we can make it even better.

Useful posts regarding bank bonuses:

35 Responses to 1st United Credit Union $100 Checking Bonus [Select CA areas only]

  1. Mser says:

    Provident CU is still offering a $150 signup bonus for their Super Rewards Checking that pays 2.01% up to $25K. Current promo code is 4000

    Easy to meet requirements for the Rewards Checking – $300 per month on their debit card (ie one money order somewhere), online statements and have a $500/mo DD (transfer from another bank works to meet DD requirement).

    For my money, one of the best combos of bonus and good return with easy requirements. Mainly a northern California option, but for those considering 1st United, I’d do Provident as well.

  2. Fiona says:

    Went into branch at some point to open a CD, since they had some competitive rates. They said hard pull for the membership, but said that what’s good about that was that if you wanted to get another product within a month or so — with checking account being one example — they could re-use the hard pull instead of pulling again.

    In other words, if I understood them correctly, if you are already a member and you want a checking account with them, they want to hard pull you again if they haven’t done so within the previous month. (But no guarantees, since I didn’t care about their checking at the time so might be misremembering.)

  3. Jim says:

    Thanks for locating this offer. Reading up on it now, looks like the schedule of fees is here:

    Found the link when browsing this page:

    It lists a $25 Early Account Closure Fee (within 6 months)

  4. Fred says:

    I opened an account last week and they have credit card funding, with no limit that I saw. I funded with $3000 on my Marriott business, showed up a couple days later as a purchase (finance/other). No hard pull on creditkarma. Waiting to get something in the mail so I can set up online banking. Even if I don’t end up getting the bonus it was worth it.

  5. Mel says:

    Opened my account yesterday with Chase Ink Pref for 9k. No Hard Inquiry. The promo code entry appears on the last page after CC entry. Done mainly for MS.

    • Wong says:

      Hey Mel, did they do any verification on your eligibility? e.g., assuming you selected that you’re an employee at X or student at X, did they request any supporting documents?

      • Mel says:

        No verification.

        • Wong says:

          Nice! Just wondering if you actually live at one of the places that they require for eligibility? Did you also go for the 24 month CD funding with a CC? This is like the goldmine for ms-ing.

          • OnTheRocks says:

            As an employee of 1st United it is verified and proof is required if we cant verify it on our end.

        • Nate says:

          so If we don’t live in CA we can still sign up online and just say we do, or can we put our actual address?

  6. Mel says:

    After a few days you can even try their 24 month CD special (2%). That allows another CC funding. The CD allows a one time rate bump up and more funds to be added on. Do you think, I can add 25k every month? Too ambitious.

    • OnTheRocks says:

      CC funding can only be used when opening a new account.

      • Pete says:

        Thanks for sharing this information — is the opening deposit CC funding limitation per each new account? Like for each checking, savings, etc?

        Or is it a one time per limit per membership?

  7. Jim says:

    Data point, $100 credited exactly as noted in offer, April 11. Performed the debit transaction via a nominal Amazon GC.

    Thanks to William, Curmudgeon and everyone else!

  8. Moose Cow says:

    Can anyone confirm if they take Amex?

  9. Dude says:

    This bonus is back again- expires 20171231. DoC, can you please update this post?
    Confusingly, the ad says the promo code is “SIMPLE” while the fine print says the code is “SIMPLER.” Not sure what to do there.

  10. Jason says:

    Can anyone refer me??
    I will pay you some referral fee if I opened successfully

  11. Will says:

    Hey guys, I am confused, what do I put in the box that says “member number?” do I have to be referred by a member?

    If so, email me at

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