Deal has expired, view more checking bonuses by clicking here
Update 7/21/19: Deal is back and valid until September 30th, 2019.
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 (reports of hard pull)
- ChexSystems: UnknownÂ
- 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
- 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:
- A Beginners Guide To Bank Account Bonuses
- PSA: Don’t Call The Bank
- Introduction To ChexSystems
- Banks & Credit Unions That Are ChexSystems Inquiry Sensitive
- What Banks & Credit Unions Do/Don’t Pull ChexSystems?
- How To Use Our Direct Deposit Page For Bank Bonuses Page
- Common Bank Bonus Misconceptions + Why You Should Give Them A Go
- How Many Bank Accounts Can I Safely Open Within A Year For Bank Bonus Purposes?
- Affiliate Links & Bank Bonuses – We Won’t Be Using Them
- Complete List Of Ways To Close Bank Accounts At Each Bank
No hard inquiry, but definitely ChexSystems sensitive. Just declined my online application because of that reason
Tried it. Denied for too many chex inquiries. DOES pull chexsystems.
So does Citywide Banks, while I’m at it (tried at the same time and also got denied).
This is not a soft pull, it’s a hard pull.
Visited the branch near my house to ask about hard/soft pull. They told me it’s a hard pull.
Applied online. It was indeed a hard pull.
Funded 2k with Chase CC. Reduced cash advance limit to $100 No issues.
August 2019.
Followup on my earlier comment.
Hard pull. Had to call repeatedly (3x) to get the points added to my account and then cash out for $100. Chex sensitive. Not recommended, although the 2k in credit card funding was nice.
Tried to open online, had to go into branch, turns out the chex system was flagged (6 inquiries for 2019 per banker). Asked about the inquruies but didnt stop me from opening the account in branch.
Confirmed hard pull which was a bummer. CC funding from online app was not possible since I completed app in branch.
They are def chex sensitive.
Deal is back. Valid through September 30, 2019. Same direct link to offer as above (https://www.westerracu.com/checking/14000-reward-points/).
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.
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.
scott both got hit. Although 
Steven reported a soft pull, 2/3 DPs indicate hard pulls.
Just in case of future deals with this CU, the description really should say “hard pull”. Me and
I wonder if they only do the HP after Chex. I didn’t make it past Chex. Damned impolite, if you ask me.
Successful funding $2K on BoA Travel Rewards. Another confirmed hard pull (Experian).
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.
Anyone ever get the bonus?
Nope.
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.