[GA only] Delta Community Credit Union $200 Checking Bonus – Direct Deposit Not Required
Update 12/4/19: Deal has been extended until January 31st, 2020
Update 11/26/19: Reposting as all recent datapoints say this is a soft pull to open, making it worth doing
Offer at a glance
- Maximum bonus amount: $200
- Availability: Must live or work in metro Atlanta. Can also be a member of eligible association or employee of eligible company
- Direct deposit required: No
- Additional requirements: Maintain $500 balance and make 5 debit card transactions of $5+
- Hard/soft pull: Soft pull pull
- ChexSystems: Unknown
- Credit card funding: Unknown
- Monthly fees: None
- Early account termination fee: Unknown
- Household limit: None
- Expiration date:
September 30th, 2019 November 30th, 2019January 31st, 2020
Contents
The Offer
- Delta Community Credit Union is offering a bonus of $200 when you open a new checking & savings account and complete the following requirements:
- Make 5 debit card transactions (minimum $5 per transaction) within 60 days of account opening
- Maintain a minimum average balance of $500 for 60 days after account opening
The Fine Print
- Applicant must be eligible and qualify for membership.
- To obtain the $200 bonus, (1) open a consumer Savings and Checking Account between July 19, 2019 and September 30, 2019 by visiting DeltaCommunityCU.com/Welcome200 or presenting the invitation code when opening account at a Delta Community branch (offer not valid if not redeemed by one of these two methods), (2) make a deposit of at least $500 to Checking Account within 60 days of Checking Account opening, (3) maintain an average balance of $500 for the first 60 days of Checking Account opening – this amount can be aggregate between Savings, Checking or Money Market Accounts, and (4) make a minimum of five (5) Debit Card transactions at a minimum of $5.00 per transaction within the first 60 days of Checking Account opening.
- To receive bonus, account must be in good standing, with deposit balances above zero dollars, any applicable loan payments current, and all accounts in compliance with any other terms, conditions and governing requirements.
- Bonuses earned through this promotion are subject to IRS reporting.
- The bonus will be deposited to the Checking Account within 60 days after deposit and transaction requirements are met.
- Offer is valid for first-time Delta Community members only, is not transferable, and cannot be combined with other offers.
- Offer may only be redeemed once per member.
- All bank account bonuses are treated as income/interest and as such you have to pay taxes on them
Avoiding Fees
Monthly Fees
They offer a free checking account with no monthly fees to worry about.
Early Account Termination Fee
I wasn’t able to find any early account termination fee in their fee schedule.
Our Verdict
Now that we know it’s a soft pull, I will be adding this to our list of the best checking account bonuses.
Hat tip to reader Mckay
Useful posts regarding bank bonuses:
- A Beginners Guide To Bank Account Bonuses
- Bank Account Quick Reference Table (Spreadsheet) (very useful for sorting bonuses by different parameters)
- 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
- Banks That Allow/Don’t Allow Out Of State Checking Applications
- Bank Bonus Posting Times
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Thank you for the post. That’d be a very good offer if it was not hard pull.
Was not a hard pull for me.
Got bonus, no hard pull ever
My DPs are few years old, but FWIW:
1. I opened from very far OOS.
2. They pull EQ.
What did you use as your membership eligibility? It doesn’t appear that any of the eligible associations can be joined by anyone not in their industry.
Why is a HP not good? Does it affect 5/24 status?
No, but can make it more difficult to get approved for other cards.
I’d love to hear a bit more about this. Is the belief that certain CC issuers have a separate metric purely for inquiries, independent of the applicant’s FICO score? For example, if you have more than 15 EQ inquiries (say) then the issuer would decline the app, even if the person had an 800 score? Or is the worry simply that inquiries can lower your general score?
Inquiries do affect FICO scores, but not by much, especially since they are often spread over three different bureaus (excepting outliers like Cap One and mortgage inquiries).
Definitely not being argumentative — interested in learning more about what the concern might be.
Yes, some issuers will deny based on too many recent applications for credit (hard inquiries). Less of an issue now with all the other card issuer imposed rules.
I don’t mind the HP, this is absolutely worth $200 to me
Instant approval, NO CC funding
No hard pull for me, at least not yet, account opened last friday. I opted out of overdraft coverage as I’ve seen that result in a hard pull in the past
My opening deposit hasn’t posted yet so maybe they are just VERY slow with things
Any update on your opening deposit?
Did your deposit post and did you end up with a hard pull?
Deposit posted (had to confirm the external account first which was not clear).
No hard pull either!
Online application was approved, but no contact from bank after that, so called after waiting seven days. Agent said they pulled Equifax and now need me to provide copy of my license, copy of pay stub, social security card, and birth certificate.
That is an identity thief starter kit, so told them no thanks and withdrew application.
Has anyone received their bonus yet?
I’ve only had the 500 balance for 30 days now. I will report back on the bonus after I have met the 60 day requirement.
Well I’m past the 60 days. Finally called them and they are going to look into it and call me back.
Haven’t gotten mine yet either, past 60 days, sending SM
I haven’t received mine and I was supposed to get a call back over a week ago. I’m going to a branch tomorrow with an ultimatum.
I just went an closed the account, I wasn’t greeted they didn’t ask why or anything. I’ll never do business with them again.
No reply to my SM. Sent it 5 business days ago. I’m not closing just yet. Putting some pressure on them before I give up
It seems the way the terms read that you need to have the deposit there for 60 days and do the debits in that timeframe, THEN within the next 60 days the bonus posts. I think it takes 4 months from open to get the bonus.
SM reply ” I sincerely apologize for the inconvenience and delay in our response. I have forwarded a request to our marketing department for additional research in order to provide the Welcome Bonus. Resolution may take up to 10 business days. I must apologize again for the inconvenience. We truly value your membership and look forward to assisting you further. Have a wonderful day!”
ill update then
got the bonus today
Was a soft pull for me. Was frozen when applied, dropped in branch unlocked eq and they opened account. No HP ever popped up.
There is also a referral bonus of $50 for this bank.
Increased to $100 for person referring, but remains $50 for person referred. Does not appear to stack with $200 offer.
Opened DCCU acct 08/28/2019 requirements met withing the first week. Recieved bonus today 11/25/2019 AFTER sending an SM a few days ago about the status of bonus. Deposit posted as “Deposit / SOURCELINK200”
@Brandon Appreciate your diligence in reporting progress from application to bonus. Based on your ultimate success, I decided to apply for this too!
Offer description needs updating to reflect multiple data points, including now mine, that this is only soft pull on Equifax. They also check EWS, although I don’t have enough history to test sensitivity.
Given easy requirements, probably deserves call out as a best bonus (state specific).
I opened it today and I confirm its a soft pull.
They do not care about ChexSystems.
My Chex is frozen and still got approved.
They do soft-pull Equifax and it has to be unlocked.
Offer has been extended to Jan 31, 2020. Link remains the same.
Any non GA residents able to open an account?
Eligibility extends to A LOT of businesses and associations: https://www.deltacommunitycu.com/personal/eligibility.aspx
It even extends to Delta employees who aren’t US citizens and live overseas. If you don’t work for/aren’t retired from one of the companies listed, you do have to live or work in a metro ATL county to open an account.