Posted by William Charles on November 21, 2016
Bank Account Bonuses

Published on November 21st, 2016 | by William Charles


America First Credit Union $100 Checking Bonus (Retired/Active U.S. Military + Veterans)

Offer at a glance

  • Maximum bonus amount: $100
  • Availability: Valid for active and retired members of any branch of the U.S. military, as well as veterans
  • Direct deposit required: Yes, no minimum specified
  • Additional requirements: See below
  • Hard/soft pull: Hard 
  • ChexSystems: Unknown 
  • Credit card funding: Unknown 
  • Monthly fees: None
  • Early account termination fee: None
  • Expiration date: None listed

The Offer

Direct link to offer

  • Receive a sign up bonus of $100 when you become a new member of America’s First Credit Union and complete the following requirements:
    • Open a savings account with a $1 deposit
    • Add a free checking account and a free* Visa® debit card, on approved credit
    • Sign up for free online statements
    • Enroll in direct deposit
  • Existing members can also get up to $100 for the following:
    • America First Visa credit card – get one or increase your limit and we’ll pay $40 in transactions
    • Direct deposit – enroll and you’ll get $30
    • Online statements – sign up and we’ll give you $10
    • America First mobile banking app – download, make a transfer and get $10
    • Card Guard® – download the app and get $10
    • Bill pay – enroll, make a payment, and we’ll give you $10
    • Youth savings account – open them for your children and they’ll get a free Penny or Buck piggy bank
    • Auto & RV loans – get a low-rate auto or RV loan and we’ll pay $50 toward your first tank of fuel


The Fine Print

  • No monthly debit card fee.
  • Offers valid for active and retired members of any branch of the U.S. military, as well as veterans.
  • Eligibility & conditions apply.
  • Current members benefits limited to $100, available in cases where the member does not utilize listed product or service.
  • All bank account bonuses are treated as income/interest and as such you have to pay taxes on them

Avoiding Fees

They offer a free checking account, so no fees to worry about there, I wasn’t able to find any early account termination fee in the fee schedule.

Our Verdict

Update: Not worth considering as it’s a hard pull to open account.

Too difficult to say whether this is a good or bad deal without knowing if it’s a soft pull and if you can fund with a credit card. If anybody knows the answers to these questions, please let us know in the comments below. You can view a list of the bonuses we do recommend here.

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Submitted my application. It says a banker will give me a call about setting up accounts. I will ask some of these questions then.


unfortunately, I did not qualify for the account. Certain group/organization memberships are required and I answered no to all the questions.

It allows you to join a local PTA in Utah or Nevada as the last question; I just didn’t bother attempting to join any of those organizations as I do not live in that state.


Word to the wise, call about the hard pull/soft pull before opening this account. Per a competitor blog, it said it is a hard pull for a promotion that ran earlier this year (and no CC funding). I am probably going to call in a few days, but I have a coal in the fire that needs to be taken care of first.


I can confirm. Was a hard pull even though I didn’t qualify for the account.


Which report did they pull? What state are you in? Many credit cards base which report they pull by where you live, but the few bank accounts that do hard pulls will stick with one credit reporting agency, from what I have seen anyway.

I noticed about 15 seconds after I hit Post Comment that the ad specifically says “on approved credit” to get their debit card. That reeks of a hard pull, although it wouldn’t have to be.


America First did a hard pull of Experian when I applied 1/28

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