[FL only] GTE Financial $200 Referral Checking Bonus

Extended to December 31, 2025

Offer at a glance

Maximum bonus amount: $200
Availability: Florida residents only
Direct deposit required: Yes, $2,000 or more
Additional requirements: Use promo code
Hard/soft pull: Hard pull
ChexSystems: Yes
Credit card funding: Up to $500
Monthly fees: $4.95, avoidable
Early account termination fee: Closed Account Within 180 Days: $25 fee (or balance if <$25)
Household limit: None listed
Expiration date: October 31, 2025

Contents

1 The Offer
2 The Fine Print
3 Avoiding Fees
- 3.1 Monthly Fees
- 3.2 Early Account Termination Fee
4 Our Verdict

The Offer

Direct link to offer

GTE Financial is offering a referral bonus ($200 for new member, $50 for person referring). Person being referred must enter the referral code and
- Fund with a minimum of $100 within 10 days of opening the account
- Direct deposit must hit the account, totaling $2,000 during the promotional period

The Fine Print

Referral incentives cannot be combined with other offers or incentives. Both members’ accounts (the existing member referrer and the new referred member) must be active and in good standing, including no prior charged-off account to receive a referral payment.
Both members must be a primary accountholder, must be at least 18 years old and Florida residents.
The referring member can earn an unlimited $50 payout upon qualification. The referred, new member can only earn one (1) $200 payout upon qualification.
The referred member must not have had any relationship with GTE Financial in 2024 or 2025, to qualify as a new member.
The new member must fund a member owner share account with $5, open a regular share account, and open a qualifying product, with all requirements met, during the promotional time period of 7/14/2025 and 10/31/2025.
Referral code must be accurately inputted or applied at the new member application time to qualify (it cannot be added at a different time, and the unique referral code must match the existing member accurately).
If the existing member receives payment for the $25 Refer-a-Friend program during the promotional time period, final referral payout for this promotion will be adjusted, as offers cannot be combined.
Payment may also be denied if it is determined that the system has been “gamed” or manipulated whereby accounts are not genuine.
Legal action may be pursued.
Promotion is subject to change or cancellation without notice. Payouts will occur by the 3rd week in November 2025 into the members’ primary share account.
GTE Financial and its employees, affiliates, subsidiaries, and agents are not responsible for: technical failures or errors related to the referral code and application process; late or incomplete applications; any injuries, losses, or damages caused by participation.
Direct deposit must be intact and active at the time of payment to receive the referral payout. Please note, direct deposit must hit the account during the promotional time period; timing for direct deposit set-up and payment is variable and contingent on the employer.
All bank account bonuses are treated as income/interest and as such you have to pay taxes on them

Avoiding Fees

Monthly Fees

Go full access has a $4.95 fee that can be waived by enrolling in eStatements AND making $500 in aggregate deposits per month OR making a combination of 15 monthly debit and/or credit card transactions.

Early Account Termination Fee

Closed Account Within 180 Days: $25 fee (or balance if <$25)

Our Verdict

Not really worth considering as there was recently a $300 checking bonus with requirements that are easier to meet. Do not share your referrals in the comments below. We won’t be adding this to the best bank account bonus page.

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