Deal has ended, view more bank account bonuses by clicking here.
Update 5/1/21: Deal is back and valid until May 31, 2021.
Update 2/24/21: Deal is back, but now $150 instead of $200. Hat tip to ShawntheShawn
Offer at a glance
- Maximum bonus amount: $150
- 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
- ChexSystems: No
- Credit card funding: Can fund up to $500 with a credit card
- Monthly fees: None
- Early account termination fee: Unknown
- Household limit: None
- Expiration date:
September 30th, 2019 November 30th, 2019 January 31st, 2020March 31, 2021
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 10 debit card transactions within 60 days of account opening
- Deposit at least $500 at 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
Post history:
- 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
The promo code ChamBrook_0021 stays up in the URL during the application and it will also allow you to add a promo/referral code within the application, so it might be possible to stack w/ referral.
I’m testing the stack with
AllenW referral code.
Targeted, good luck
Delta Community Credit Union has limited this offer to only certain eligible individuals who receive it in a direct communication from Delta Community Credit Union. This offer is not intended for the general public. This limited offer is not transferable and may only be redeemed by the intended recipient or an eligible individual of the intended recipient’s household. Applicant must have received this offer directly from Delta Community Credit Union and be eligible and qualify for membership
$100 for referring and $50 for being referred.
I don’t see any 12 month/prior relationship verbiage. Might be worth it.
http://DeltaCommunityCU.com/Refer
I heard they axed Creflo, which was my path to my current membership. I still use this credit union to open additional accounts for the $500 credit card funding and to deposit money orders. Maybe will close in about 6 months and try again
Let me know if you close your membership to try again. I think I’m going to refer P2, her membership is closed.
It’s a shame that they didn’t make it a $100 for the new customer. Most people won’t jump for $50. I have my Delta account still too.
Agree, It’s like they have a cap of $150. But the funding helps take that sting away.
11-17 Opened P2
11-29 10 Debit amazon reloads
11-30 50 Deposit
No bonus. Not sure how long this takes or if I will ever get it but the funding was nice at 2K.
Sent a SM, apparently they didn’t see the Promo code that I used. But they applied it. Since I have a little more time left in 60 days, it might still work. Curious if the system knows to be sure to refer me the $100. I can confirm I got the email stating P2 has been referred.
1-7-22 Referral Posted in P1 and P2.
Was able to open an additional savings account and fund with CFU ($500). I wanted to use PPK with Discover, but was declined. A virtual visa card was also declined.
The deal appears to be back through July 31 – https://www.deltacommunitycu.com/home/beautiful-150-promotion.aspx?OMAPromoCode=DifferenceCampaign
FWIW – “Offer to only certain eligible individuals who receive it in a direct communication from Delta Community Credit Union and is not intended for the general public.”
The referral program does not contain that language but only $50 for both parties https://www.deltacommunitycu.com/personal/refer.aspx
I opened this in search of the holy grail of American Express (Amex) credit card funding today (7/12/21), but $1,000 ($500 checking and $500 mandatory savings) failed on both American Express-issued and American Express network cards: American Express Marriott Business, American Express Hilton, and US Bank FlexPerks Travel Rewards. As other comments have noted, it seems that American Express credit card funding is not accepted at all by Delta Community Credit Union despite the fact that there’s an American Express logo next to the credit card information fields.
As an alternative, Chase Ink Business Unlimited for $1,000 ($500 checking and $500 mandatory savings) was accepted by Delta Community Credit Union’s funding page. I can update once the transaction posts, but based on others’ comments here, I expect it to code as a purchase.
I don’t think there’s any credit card funding option explicitly mentioned, but I just used the debit card option to fund with the above credit cards.
I used a California address to apply and chose the Creflo Dollar Ministerial Association route to membership by donating $1 here as a “Guest”: https://app.securegive.com/worldchangers/cdma/donate/category
My ChexSystems report has ~30 inquiries in the last 3 months, and I was still approved.
Another plus is I was instantly approved, and I got instant account access. Moreover, the $1,000 doesn’t seem to have any hold on it, so even before the debit card arrives, I assume I can use Bill Pay or do an ACH transfer to my other banks’ accounts.
Opened May 18th
10 Amazon reloads May 20th
$150 bonus posted Jun 8th
5/17 Opened account, funded $1000 checking/saving with BOFA PM
6/1 $.50 Amazon gc recharges
6/8 $150 Bonus
I was also able to open additional savings account (3 max) with $500 cc funding each, auto approved. I haven’t yet tested with the other accounts but will post when I do.
You can open 3x of each checking/saving/money market account. Pretty nice for cc funding
3-5% with online category on BOFA CR
Do you think Discover Card via Pay Pal which is 5% back this quarter will work?
Disregard, I just realized you have to directly use your credit card. So, I will try my 3% cashback Visa! Thanks for the info. on opening 3 additional accounts. Just on my first cup of coffee!
3/31: account opened, donated $1 to Creflo, funded 1000 on BofA (posted as purchase)
4/19: reqs completed, did 10 amazon debit purchases
5/10: $150 bonus posted.
Any DPs on funding with Amex re: cash advance?
I didn’t see the comment below before I posted, but confirmed that my Amex funding was declined