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

Published on September 9th, 2018 | by William Charles


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

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


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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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.

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

My pleasure.
To follow up, I just checked my application status at the following link:
I was approved and it shows my new (checking and obligatory savings) account numbers.

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?

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
Free Bill Pay
Online Banking

Denied for Chex. I’m around 10/12.

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)

Officially 8/12.

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.

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

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