[CA only] Pacific Service Credit Union $100 Checking Bonus

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

Direct link to 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.

Direct link to offer | Screenshot of offer
    William Charles
  • On March 14, 2025, 10:00

View Comments (34)

  • 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.

  • Is there a promo code? The offer page doesnt mention it, but it is asked (though optional) during application

    • 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.

  • 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? @2

      • 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?

  • 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 @will @6

    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.

    • 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.

    • Maybe it is nationwide?

      https://www.pacificservice.org/learn/membership-eligibility

      Membership is open to the following groups:

      • Anyone who lives, works, worships or attends school in Alameda, Contra Costa, Fresno, Marin, Napa, Placer, Sacramento, San Francisco, San Mateo, Santa Clara, Solano or Sonoma counties (California).
      • Employees or retirees of PG&E Corporation and its domestic subsidiaries, including Pacific Gas and Electric Company (PG&E), PG&E National Energy Group and Pacific Venture Capital, LLC.
      • Immediate family members of a current Pacific Service CU member, including spouse, children, parents, siblings, grandparents, grandchildren, nephews, nieces and cousins.
      • Household members of a current Pacific Service CU member, including roommates.
      • Employees of a business, corporation, organization, association, or other legal entity currently located in the counties listed above.
      • Employees of one of our business partners.
      • Employees who work regularly for companies served by Pacific Service CU including contractors or temporary employees who work on assignment at a PG&E location, independent contractors on assignment for PG&E.
      • Employees or employers of public or private energy-based entities located in California or Texas.
      • Members of the Financial Fitness Association.
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