Deal has ended, view more bank account bonuses by clicking here.
Update 6/5/25: Now good through June 30, 2025.
Update 3/29/25: Available again until May 31, 2025.Â
Update 9/9/24: Requires a direct deposit again.
Update 9/3/24: Bonus is now $200 (reduced from $250). No longer requires a direct deposit. Valid until 12/31/24.
Update 6/16/24: Extended until August 31, 2024.
Update 3/3/24: Deal is back through May 31 – 2024. Hat tip to killdozer
Update 9/13/23: Bonus is now $250 but requires a direct deposit and good through 12/31/23.
Update 6/29/23: Deal is back and valid until June 30, 2023.
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:Â $150
- Availability:Â Must live or work in metro Atlanta. Can also be a member of eligible association or employee of eligible company
- Direct deposit required:Â No
- Additional requirements:Â Maintain $500 balance and make 5 debit card transactions of $5+
- Hard/soft pull:Â Soft pull
- ChexSystems: No
- Credit card funding: Can fund up to $500 with a credit card
- Monthly fees:Â None
- Early account termination fee:Â Unknown
- Household limit:Â None
- Expiration date:Â
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:
- Use promo code CHECKING200
- Make 10 debit card transactions within 60 days of account opening
- Deposit $1,000 into your account
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
I just went to the promo link and it now shows “This Promotion Has Expired”.
Anyone have a copy of the terms of the bonus that was going on may 27th? The terms in the post seems outdated.
https://web.archive.org/web/20250422173925/https://www.deltacommunitycu.com/home/locustgrove200.html
OOS
6/17 – Donated $15 to Friends of the Foundation
6/18 – Applied Online “Unable to Proceed. Additional review of your application required.
6/20 – Emailed received requesting additional documents. Replied back with attachments same day.”
Valid photo ID (Non-expired state issued driver’s license or identification card or US Passport)Verification of physical address listed in application (within the last 60 days – Examples: utility bill, bank statement, health insurance statement)Verification of Social Security Number (Original Social Security Card)Proof of Eligibility chosen in application
6/20 – Approved same day.
DP for Fidelity as DD:
5/5/2025 Account opened OOS (MI) using Friends of Foundation donation option
5/8/2025 Fidelity deposit $4
5/9/2025 Fidelity deposit $1001
5/13/2025 10x$5 Amazon reloads
6/9/2025 “Deposit / CHECKING200” $200
P2 DP:
5/17/25 – joined friends of foundation with $15 donation, applied and went pending
5/19/25 – sent in docs
5/20/25 – checking and savings approved
5/21/25 – $1003 wise payroll
5/30/25 – 10 debit done using utility payments
6/9/25 – $200 bonus posted
How do you set up your wise transfer correctly or link the bank?
I’ve never used wise before and would really appreciate some help 🙂
Cheaper method is to find your wise’s routing and account number then push money into wise. After your wise account is funded, use send function to send to yourself or someone else (if trying P2 bonus). Then enter routing/account number of where you are sending it to. Put “payroll” or something along those lines in the reference field
Me again!
What did your wise come over as?
Mine says: ach deposit / wise us inc
Possible new link to use until June 30?
https://www.deltacommunitycu.com/home/locustgrove200.html
agree –
William Charles
new promo link with new promo code “LOCUSTGROVE200”
https://www.deltacommunitycu.com/home/together-promotion.html
Valid till June 30th but only for very restricted for some parts of GA and employers
Anyone else get a confirmation email that they want to fax or mail in the documents (or come in branch)? Kind of annoying, but not the end of the world, would be nice to email them instead…
Im seeing that a mandatory savings account get opened along with checking, is that the case for everyone else?
Yes, most, if not all, CUs require a “share” Savings account. That is your part ownership of the CU.
4.15 opened account (OOS)
4.18 WISE transfer
4.22 10 debit card purchase
5.13 $200 bonus
PayPal balance loads worked for me last year #1929800