Offer at a glance
- Maximum bonus amount:Â $300
- Availability:Â Must live, work or worship in one of the following counties: Alameda, Monterey, San Francisco, Santa Clara, Santa Cruz, San Mateo all in CA or Brunswick, New Hanover & Pender county in NC
- Direct deposit required:Â Yes, $500+ within 90 days
- Additional requirements:Â None
- Hard/soft pull: Soft pull
- ChexSystems: Yes, not sensitive
- Credit card funding: Can fund up to $2,500 with a Visa or Mastercard
- Monthly fees:Â None
- Early account termination fee:Â None
- Household limit:Â None listed
- Expiration date:Â None listed
Contents
The Offer
- Excite Credit Union is offering a $300 checking bonus when you open a new checking account and complete the following requirements:
- Requires eStatements
- Perform a minimum of six debit card transactions
- Direct deposit of $500 or more within the first 90 days.
The Fine Print
- (1) To qualify for the $300 bonus program, the following criteria must be met: a) Applies to new Members (18+) or to existing Members provided that there was no open checking account in the past 180 days. (b) Requires eStatements, perform a minimum of six debit card transactions, and direct deposit of $500 or more within the first 90 days.
- (c) The $300 bonus is automatically deposited to the Member’s primary savings account on first day of the month after meeting criteria
- . (2) Requires a minimum deposit of $25.
- All bank account bonuses are treated as income/interest and as such you have to pay taxes on them
Avoiding Fees
Monthly Fees
Go checking has no monthly fees to worry about.
Early Account Termination Fee
No early termination fee listed in the fee schedule.
Our Verdict
Much better than the previous $100 bonus, but it does require a direct deposit now so we don’t know what will work as a direct deposit yet. We will add this to our list of the best checking bonuses.
Hat tip to reader payyoutuesday
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
Do not share referrals in the comments.
Terms are different from above. Requirements are:
* $600/mo deposit (not just direct deposit) for first 90 days
* 6 debit card transactions
08/15/23: Opened Account
Real DD + amazon
09/01/23: Bonus in my account
The process is really fast and simple.
Ohhh and I used my Fidelity Investments Visa Signature credit card to fund the account. There wasn’t a cash advance fee placed.
no
Please clean up this page then.
Done
this one too https://www.doctorofcredit.com/ca-nc-excite-credit-union-300-checking-bonus/#comment-1684379
$2500 credit card funding via Citi Double Cash posted as purchase.
The $300 offer can be combined with earning another $50 om top; sign up for the $300 offer first, followed by signing up for the referral link for the extra $50. Just make sure that each time you are entering the exact same information.
My referral: [removed]
Very easy account opening and $2,500 CC funding is great to meet the minimum spending. They just asked for address verification and accepted my T-Mobile bill.
I’d appreciate if you use my referral: [removed]
If I use a referral link from someone on here, does the referrer get to see my address and other info?
07/05/23: Opened Account
Legit DD + amazon tx
08/01/23: Bonus automatically hit.
Flawless process, extremely fast.
Waiting to see if the referral bonus is automatically applied, so will keep the DD + tx going for another month. Referral requires basically 2 months of the $300 bonus requirements instead of 1.
referral link if anyone needs: [removed]
Used your link!
Appreciate you, cheers!
Referral does stack with the $300 promo, but will not get around OOS folks.
If anyone needs a referral link:
[removed]
I live in a covered county but still went to pending. 10 min later rep called me and approved, just needed to hear my voice.
However the referral link I clicked on and populated didn’t transfer over to the application, can someone email me their referral? [removed]
Sent!
DP: Referral doesn’t seem to bypass location requirement. I used referral and was still denied for “eligibility reasons”