Posted by William Charles on September 9, 2018
Bank Account Bonuses

Published on September 9th, 2018 | by William Charles

18

[Expired] [CO only] Westerra Credit Union $100 Checking Bonus – Direct Deposit Not Required

Deal has expired, view more bank bonuses by clicking here.

Reposting as it’s a confirmed soft pull and $2000 in credit card funding

Offer at a glance

  • Maximum bonus amount: $100
  • Availability: Restricted to people in the 7-county Denver Metro Area
  • Direct deposit required: None
  • Additional requirements: 2 deposits & 10 transactions
  • Hard/soft pull: Soft pull
  • ChexSystems: Unknown 
  • Credit card funding: Can fund up to $2,000
  • Monthly fees: None
  • Early account termination fee: None
  • Expiration date: January 31st, 2017 None listed

The Offer

Direct link to offer

  • Receive a sign up bonus of 14,000 rewards points (worth $100) when you open a new checking account with Westerra Credit Union and complete the following requirements within 60 days of account opening:
    • Make two deposits
    • Complete ten transactions

westerra-credit-union-100-bonus

The Fine Print

  • Get 14,000 Bonus Reward Points (equal to $100 cash back) when you open a Westerra checking account and activate it by making two deposits and ten transactions within 60 days from account opening.
  • Bonus Reward Points will be credited to your Westerra Rewards account the month following activation.
  • Deposit of $5 in savings account required.
  • Membership fee waived.
  • Limit one t-shirt per person.

Avoiding Fees

There are no monthly fees for this account and the $5 membership fee is waived as well. I didn’t see any mention of an early account termination fee in the fee schedule.

Our Verdict

Looks like a great deal as it doesn’t specify what a deposit is, so I guess any deposit will count (e.g payroll not required). It’s nice that you can fund with a credit card as well. Will be adding this to our list of the best checking bonuses available.

Useful posts regarding bank bonuses:



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Casey
Casey

Beware! I applied and Westerra did a hard inquiry on my Experian report.
Funded with $1.1k on Capital One card, looks like it coded as a purchase.
No word yet on approval/denial.

Justin
Justin

Thanks for the DP. Was considering this one, but not worth the hard pull.

Casey
Casey

My pleasure.
To follow up, I just checked my application status at the following link:
https://umnasg22.umonitor.com/uopen/applogin.do
I was approved and it shows my new (checking and obligatory savings) account numbers.

Travel Griz

That is odd. I emailed them and they stated it would be a soft pull. Did you select any additional options when setting up the account?

Casey
Casey

The screenshot I took of the application confirmation lists the services I applied for as follows:

Savings Account
Value Checking Account

Additional Products and Services:
ATM Card
Debit Card
e-Statements
Free Bill Pay
Online Banking

Steven
Steven

Denied for Chex. I’m around 10/12.

Steven
Steven

I had no hard pull in my application. I had $2k CSR funding as pending for several days (have cash advance set to lowest possible)

Steven
Steven

Officially 8/12.

David
David

This was a difficult application that in hindsight I should have avoided, probably due to the banker I had. Chex and Hard Pull. Forced into a detailed financial review of both credit report and Chex report so spent a long time trying to hurry the application along. They insisted funding with CC would be CA so I did not go that route..but based on others experience, maybe I should have. But I did walk out with a free t-shirt and NPS pass.

Master Allan
Master Allan

You got a National Park Service pass out of the deal?

ANDREW
ANDREW

Anyone ever get the bonus?

Casey
Casey

Nope.

scott
scott

After 2 trial deposits from external account and 10 amazon GC reloads, inquired via SM about points. Quickly credited. Then, redeemed points via Rewards page for cash back, which was credited to account next day. Clunky but effective.

Travel Griz

Applied online in January 2019 and funded with Chase Southwest Personal card for $1.8k. Funding posted as a purchase. They called to provide account information and I asked to confirm the bonus offer. They were not sure if the bonus offer applied to my account, it sounded like that the offer should have expired but it was still online. They said they would get back to me, I took screenshots and double checked for an expiration and found none.

Will update later but I mainly needed this for the CC funding anyway.

scott
scott

Successful funding $2K on BoA Travel Rewards. Another confirmed hard pull (Experian).

Casey
Casey

The link’s dead, so I guess the deal is over. I never received any rewards points, at least that I’m aware of – but maybe they’re there and I just can’t see them, since I get an error when trying to check…

The link to this is also buried quite deep. From the main accounts screen, click on your “Free Checking” account, then “More Actions”, then in a little pop-up there’s a link to “Rewards”. When you click that, there is another pop-up that says “A new window will open for this service.”

When I click that, I get the following error: “System Unavailable. The system is unavailable at this time. Please try again or contact us at 303-321-4209.” I’ve been checking this on and off since I signed up back in August and it has *never* been available…

Finally back from travels, so I’ll make a stop by their branch Friday and try to get to the bottom of it.

If anyone took a screenshot of the original deal, that would be of help.
Just in case of future deals with this CU, the description really should say “hard pull”. Me and scott both got hit. Although Steven reported a soft pull, 2/3 DPs indicate hard pulls.

Steven
Steven

I wonder if they only do the HP after Chex. I didn’t make it past Chex. Damned impolite, if you ask me.

scott
scott

Currently offering a free Colorado State or National Parks Pass – or a Fitbit – with a Free Financial Checkup and choice of a new checking account, auto loan, first mortgage, home equity loan, credit card, certificate of deposit or money market account:

https://www.westerracu.com/services/branch-services/financial-checkup/

Fine Print:
*Limited time offer. Your choice of a free annual National Parks Pass, Colorado State Parks Pass or Fitbit® is included with the completion of a free Financial Checkup and one new service, excluding adult share savings account. Annual Parks Passes are good for 12 months from activation date. Financial Checkup includes obtaining your credit report (i.e., HARD PULL). Limit of one Parks Pass or Fitbit per account. Value of $80.00 may be reported to the IRS. Deposit of $5 in savings account required. $5 membership fee waived.

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