Update 3/14/25: Available again. Might be available nationwide.
Offer at a glance
- Maximum bonus amount: $100
- Availability: Must live, work, attend school or worship in the following counties: Alameda, Contra Costa, Fresno, Marin, Napa, Placer, Sacramento, San Francisco, San Mateo, Santa Clara, Solano or Sonoma counties (California)
- Direct deposit required: Yes, $500
- Additional requirements: None
- Hard/soft pull: Unknown
- Credit card funding: Unknown
- Monthly fees: $10, waive-able
- Early account termination fee: 90 days or bonus is clawed back
- Expiration date: May 31st, 2015
The Offer
- Simply open a new checking account and establish a new direct deposit of $500 or more, and we’ll give you $100
The Fine Print
- Bonus will be deposited by June 10th, 2015
- One bonus per person
- Members who have closed a Pacific Service CU within the past 12 months are not eligible
- Account must be in good standing with a minimum balance of $50 on May 31, 2015 to receive incentive
- All bank account bonuses are treated as income/interest and as such you have to pay taxes on them
Avoiding Fees
Relationship checking account comes with a $10 monthly fee which is waived if you have $25,000 in combined balances with pacific service credit union. The free checking account has no monthly fee.
If you close your account within 90 days, they reserve the right to claw back the $100/$50 bonuses.
Our Verdict
This deal is not worth it considering you need to keep $25,000 invested that does not interest to get the full $100 bonus and the fact we don’t know whether it’s a hard or soft pull. Which is a shame because I love deals with no direct deposit requirement.
I’d recommend doing one of these bank bonuses instead. Alternatively you can have a look through all of the different bonuses currently available.
In service area, denied Chex next day score 651, 5/12
Tried joining OOS with Chex frozen using the Member Fitness Association ($8). Asked to unfreeze Chex. Rejected within minutes. Chex is probably 75-100/12
OOS. I’ve been asked to lift the Chex as well. Not sure if I am ready for that considering the reward amount. Initial funding went through though. Hope it will be refunded.
If you’re LOL Chex like me, don’t bother. Worth a shot otherwise.
Is there a promo code? The offer page doesnt mention it, but it is asked (though optional) during application
Doesn’t appear to be one
They recently had a much better $400 promotion in exchange of just three $500 DDs, but it seems to have expired in August 2024:
https://www.pacificservice.org/get-paid-early—get-400
Also targeted Checking Offer: Offer is limited to individuals who received the offer directly from Pacific Service Credit Union.
Correct. You can also find older $50 referrals online, instead of the current $25. All considered, I’ll wait for better offers on this one.
Wow, 10 years between updates. I didn’t even know this site was around in 2015.
Chex Denial….don’t bother
What were your recent counts?
Lol Chex
Guessing the “Our Verdict” section did not get updated because it seems 100% contradictory to the offer. Does require a DD, and doesn’t require $25K?
William Charles
Applied about an hour ago online – just got Chex denial email. Chex is LOL.
What are your chex stats?
Was there any CC funding?
Yes, I believe up to $1,000.00 but I might be wrong, (not about the credit card part, but rather the amount, I think it was $1,000.00 though). I just went with the “mail in a check” option because I was anticipating the Chex denial.
Pacific Service CU here. Relationship checking is free with NO balance requirement as long as you have direct deposit. Which is how you qualify for the incentive. Take a look at the offer on our website for accurate details.
Any chance that you can double the bonus offer amount to make it more enticing for me to sign up?
Hello,
Pacific Service CU, is this nationwide if a member of FFA? Does it pull chex?
Offer is back. I saw their booth at the San Francisco Giants FanFest over the weekend and applied. They had an additional $50 as a signup bonus then. I was approved as a member of the Financial Fitness Association. The $50 was waiting for me once I could log in. https://www.pacificservice.org/bank/checking-accounts
William Charles 
Chuck
We want to give you $100! Simply open a new checking account and establish a new direct deposit of $500 or more, and we’ll give you $100. It’s that easy!
There is also a $25 referral program that can stack.
Maybe it is nationwide?
https://www.pacificservice.org/learn/membership-eligibility
Membership is open to the following groups:
Yes, I satisfied 3 of them and they just went with FFA for ease.
They gift the first year, too, according to their website.
Chex? HP? Which checking accounts qualify? Can you fund with a CC? They seem to insinuate the free checking is “Perfect for: People who don’t have direct deposit.” If that’s the case, the next step up in accounts, you have to have at least $25,000 or you get hit with a $10 fee each month. It looks like you’ll get the $ the following month, so at least a $10 hit?
Yes I believe Chex has been pulled, but not sensitive “in branch” at least. No hard pull on Experian or Transunion, can’t tell regarding Equifax. No funding for a credit card “in branch.” The free checking has no fees.
No fees, but it seems like the free checking is not for direct deposit based on their table….
You can direct deposit to any checking account. They say that the other checking account is “perfect” for direct deposit since you can get a higher rate for doing that while you wouldn’t get any rate increase for doing that in the free checking account.
Thanks. Can you email me a referral, please? Temp email will be removed once I get. Thanks
[email protected]
I’ll be doing a real direct deposit since I can get one in.
Thanks for the link..