Offer at a glance
- Maximum bonus amount:Â $100
- Availability: You must live or work in San Diego, Riverside or Orange County, CA
- Direct deposit required:Â Yes, $500+ per month for at least three months
- Additional requirements:Â Digital banking
- Hard/soft pull: Soft pull
- ChexSystems: Unknown, sensitive
- Credit card funding: Up to $500
- Monthly fees:Â None with eStatements
- Early account termination fee:Â None
- Household limit:Â None
- Expiration date:Â None listed
Contents
The Offer
- California Credit Union is offering a bonus of $100 when you open a new eChecking account and complete the following requirements:
- Must enroll in digital banking
- Must establish a recurring direct deposit with a minimum of $500 per month (three required before bonus posts)
The Fine Print
- Restrictions apply.
- $100 offer applies to NEW eChecking accounts for NEW members only, who enroll in Digital Banking and establish a recurring Direct Deposit with a minimum of $500 per month.
- Recurring Direct Deposit must be a Direct Deposit or Payroll Deposit.
- Limit one (1) bonus per member.
- Direct Deposit must be established within 120 days of membership opening to qualify for bonus.
- Three (3) months of recurring Direct Deposits must be credited to the account before qualifying for the bonus.
- The bonus will be added to the checking account within 8-12 weeks from the qualifying date and will be reported as income.
- Refer to the current rate sheet for regular dividends to be paid on eligible balances.
- The bonus is not included in the calculations of regular dividends and is not recurring.
- The bonus will be forfeited by the member if the account does not remain open for a minimum of 6 months.
- All bank account bonuses are treated as income/interest and as such you have to pay taxes on them
Avoiding Fees
Monthly Fees
There is no monthly fee as long as you opt in for eStatements
Early Account Termination Fee
I couldn’t find any mention of an early account termination fee in the fee schedule.
Our Verdict
Relatively small bonus but it’s a soft pull and you can fund with a credit card so I think it’s worth doing if you’ve already done the bigger bonuses available to you. I’ll add this to our list of the best checking account bonuses.
Hat tip to reader SpicyPadThai
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
Applied yesterday, denied today. Email mentioned both Chex and Equifax, guessing it’s the prior. About 11/12 right now.
The direct link to the offer is now at: https://www.ccu.com/echecking-offer/

William Charles 

Chuck
Link is dead, redirects to another page.
Hi

TJ – here’s the new link: https://www.ccu.com/echecking-offer/
They are not CA only. You can join out of state for a small fee, don’t remember how much exactly.
Citi doublecash funding coded as purchase (cash advance limit was set to 0)
Pretty easy hundred bucks, here are my DPs:
– 2/12: $500 Funded via BofA Biz Cash MC (counted as purchase)
– 2/25: $250 DD from work
– 3/11: $250 DD from work
– 3/25: $250 DD from work
– 4/08: $250 DD from work
– 4/22: $250 DD from work
– 5/06: $250 DD from work
– 5/20: $250 DD from work
– 6/1: $100 Bonus
Chex decline, but they didn’t email me that and sent me a debit card anyway; the account had been autoclosed by the time I got the card…
Has anyone tried funding with Chase Sapphire Preferred CC if it codes as a cash advance or regular purchase?
Did you try?
Yes, it codes as a regular purchase
US Bank Altitude Go $500 funding posted as purchase.
Applied for eChecking 2/9, approved 2/12.
Funded $500 with Bank of America Business Advantage Cash Rewards MasterCard, counted as Purchase.
They don’t seem as Chex sensitive as some other places, current inquiry count:
– 11 in the last 12 months
– 26 in the last 24 months
Bummer – sorry

zeer0
Denied due to chex and they also included Equifax in the email too. Dont know why
Denied with the following number of Chex inquiries
Past 36 months: 23
Past 30 months: 22
Past 24 months: 22
Past 18 months: 20
Past 12 months: 20
Past 06 months: 17
Past 03 months: 15
Past 01 months: 07
Thanks for taking that bullet Davis, was about to apply and I’ve got a similar inquiry count