Posted by William Charles on January 16, 2017
Bank Account Bonuses

Published on January 16th, 2017 | by William Charles


[Expired] [CA only] Sacramento Credit Union $100 Checking Bonus

This bonus has expired, you can view the best bank bonuses here. Or click here to see if there is a new OneWest bonus.

Offer at a glance

  • Maximum bonus amount: $100
  • Availability: Any and all persons who live or regularly work in El Dorado, Placer, Sacramento, Solano, Sutter, Yolo and Yuba Counties, California, as well as any and all businesses, corporations, and/or other legal entities in the aforementioned counties
  • Direct deposit required: Yes, no minimum specified
  • Additional requirements: None
  • Hard/soft pull: Soft
  • ChexSystems: Unknown
  • Credit card funding: Yes, up to $500
  • Monthly fees: None
  • Early account termination fee:
  • Expiration date: January 20th, 2017 May 12th, 2017
  • Household limit: None mentioned

The Offer

Direct link to offer

  • Open a new Sacramento Credit Union checking account and receive a bonus of $100 when you receive a direct deposit within 60 days of account opening.


The Fine Print

  • Offer expires January 20, 2017. Checking account opened must be qualified for based upon standard Sacramento Credit Union guidelines.

  • Existing Sacramento Credit Union checking account holders are ineligible for the $100 bonus.

  • Direct deposit must post to new checking account by day 60 after account opening.

  • $100 bonus will be deposited into the new free checking account on the first business day after 60 days of the account opening.

  • All bank account bonuses are treated as income/interest and as such you have to pay taxes on them

Avoiding Fees

Their accounts have no monthly fees. You do need to pay a $5 fee to join though.

Our Verdict

Not a bad deal as there is no monthly fee or hard pull to worry about. It’s only a $100 bonus though and direct deposit is required so it’s not the world’s greatest deal. Could still be interesting for those in the targeted area though. We’ve added it our best bank bonuses.

Useful posts regarding bank bonuses:

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I live in Solano County. I sent an email and I’m hoping they’re able to provide some answers. I’m not willing to be the guinea pig on a $100 bank bonus when we don’t know if they do a hard pull. Will update if they respond.

Luke Bornheimer

Thanks for inquiring and offering to be the guinea pig for everyone! Please keep us posted.

Luke Bornheimer

Also inquired with Sacramento Credit Union regarding the “soft or hard inquiry” question. Will report back when they respond.


I applied and was approved.

– Didn’t see any hard pull
– Can CC fund up to $500 (including $5 fee, so you can only enter up to $495)


Vic, you located in the “eligible region”?


Yes I am. I live in one of the county that’s eligible.


i just got approved with $500 CC funding. any DP on DD? thanks.


I went into the branch and spoke with the Branch Mgr. I was told it is a “hard” pull. Also, he said the Direct Deposits must be payroll-type deposit (can’t be ACH transfer from another bank/CU). I decided to pass on this one.


I signed up online for this account earlier this week. It was not immediately approved online, and I was instead asked to bring a photo ID and proof of address to one of their local branches. When I got to the local branch, they asked about me being a former customer (I had an account for ~2 years that was closed over 2 years ago). I’m pretty sure that because I was a former customer, there was something in their system required an in-bank visit.

While in the bank, the representative asked me to fund the account while I was there. She claimed that the credit card information I had filled out online would not work any longer. Of course, I tried to do $500 in credit card funding from my Chase Sapphire Preferred that has a $100 cash advance limit. It got denied in-person. I told her I didn’t have any way to fund the account in-person at the moment and asked if she could try the information I had input online. She decided that this time she could try and even made a comment about it being the same card. However, the transaction went through and I went on my way. That was on 4/20. I’m now waiting to ensure that the $500 posts correctly to the credit card as a purchase (as opposed to cash advance). However, I did notice that it currently shows up as three transactions: $5 application fee, $25 savings funding, and $470 checking funding (for a total of $500). I’m hoping there’s no issues with Chase considering it a credit card purchase.

I’m still deciding if it is going to be worthwhile for my wife to open an account for the $100…


Better check again on your reports Re: hard pull. Email from them today:


I am so sorry for the late response.

When opening a checking account, there will be a hard pull on your credit report.

Please let me know if you have any further questions.

Thank you!

Jessica Kiloh
Sacramento Credit Union
P: (916) 444-6070 x3602


Applied on 1/18/17, met requirements, called to inquire on 4/20 about no bonus posted.

Rep said she will submit ticket to manually post the bonus.

Still nothing as of today, 5/9/17.


did you ever get your bonus from this CU? also, was it an instant approval during app? tia!


Bonus is back and it’s now $150. Offer is on their homepage.

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