Posted by William Charles on December 4, 2019
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Published on December 4th, 2019 | by William Charles

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[Expired] [GA only] Delta Community Credit Union $200 Checking Bonus – Direct Deposit Not Required

Deal has expired, view more bank account bonuses by clicking here

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, 2019 January 31st, 2020

The Offer

Direct link to 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:



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Jo
Jo

Thank you for the post. That’d be a very good offer if it was not hard pull.

ToePoe
ToePoe

Was not a hard pull for me.

Brandon
Brandon

Got bonus, no hard pull ever

Karl
Karl

My DPs are few years old, but FWIW:
1. I opened from very far OOS.
2. They pull EQ.

Dayn_Perrys_Vape
Dayn_Perrys_Vape

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.

Vanson
Vanson

Why is a HP not good? Does it affect 5/24 status?

Brandon
Brandon

I don’t mind the HP, this is absolutely worth $200 to me

Brandon
Brandon

Instant approval, NO CC funding

Candyman
Candyman

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

Kelly
Kelly

Any update on your opening deposit?

Kelly
Kelly

Candyman

Did your deposit post and did you end up with a hard pull?

Candyman
Candyman

Deposit posted (had to confirm the external account first which was not clear).

No hard pull either!

Diego Dogs
Diego Dogs

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.

Bob
Bob

Has anyone received their bonus yet?

Kelly
Kelly

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.

Bob
Bob

Well I’m past the 60 days. Finally called them and they are going to look into it and call me back.

Brandon
Brandon

Haven’t gotten mine yet either, past 60 days, sending SM

Kelly
Kelly

Bob Any update on this?

Bob
Bob

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.

Bob
Bob

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.

Brandon
Brandon

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

FatCat
FatCat

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.

Brandon
Brandon

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

Brandon
Brandon

got the bonus today

ToePoe
ToePoe

Was a soft pull for me. Was frozen when applied, dropped in branch unlocked eq and they opened account. No HP ever popped up.

Kelly
Kelly

There is also a referral bonus of $50 for this bank.

Gin Fizz
Gin Fizz

Increased to $100 for person referring, but remains $50 for person referred. Does not appear to stack with $200 offer.

Brandon
Brandon

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”

Gin Fizz
Gin Fizz

@Brandon Appreciate your diligence in reporting progress from application to bonus. Based on your ultimate success, I decided to apply for this too!

Albrecht
Albrecht

I’m having trouble getting the bonus too. Fulfilled all the requirements Dec 3rd. Had to give them a call and the CSR had no idea what I’m talking about. Tried to tell me that I had to keep $500 in Checking all that time. After I read to her that it can be aggregate between all the accounts, she opened a ticket for their Marketing Dept. We’ll see how that goes.

Albrecht
Albrecht

Feb 21 and it is still unresolved. Secure message went unanswered as well. Credit Unions are not what they used to be.

Gin Fizz
Gin Fizz

William Charles
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).

Doc_Liker
Doc_Liker

I opened it today and I confirm its a soft pull.

reventon04
reventon04

They do not care about ChexSystems.

My Chex is frozen and still got approved.

CJ
CJ

They do soft-pull Equifax and it has to be unlocked.

reventon04
reventon04

My Equifax is also frozen

Gin Fizz
Gin Fizz

William Charles
Offer has been extended to Jan 31, 2020. Link remains the same.

Drew
Drew

Any non GA residents able to open an account?

Heather
Heather

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.

Brandon
Brandon

don’t think there is way to fund with CC.

creditGuyInDixie
creditGuyInDixie

One of the two criteria is to maintain a $500 average balance for the 60 days after the account is opened. Since many of us will have a zero balance for the first few days, I am assuming that means we’ll need to raise up our balance to $550 (say) early on, rather than having a balance of exactly $500 (and no more).

Any thoughts?

Celeste
Celeste

i was also thinking about this.the formula would be
30000/(60 – # of days with zero balance)

lemur
lemur

I deposited $550 for 60 days, but I don’t know if that is required. It worked for me, I got the bonus.

Brandon
Brandon

does it need to be debit card purchase (pin based, not signature) to qualify?

lemur
lemur

I did Amazon Gift card reloads for the debit card purchases. Got the Bonus.

lemur
lemur

I got the $200 New member bonus after a long wait and had to ask about it through secure message twice, but I did get it- it was just slow to pay out.

I got an email for additional $10 bonus for using debit Visa 10 times online or in-store. I did Amazon reloads, got the bonus 5 weeks later.

Just got another email for additional $10 bonus for 2 bill pays – minimum $10 each. Bill pays must be transacted between 1/15 and 3/15 to qualify. Bonus pays after the promotion ends (3/15/20).

Brandon
Brandon

Thanks a lot for datapoints!

JuicyJosh
JuicyJosh

Applied from OOS. Selected the live/work option. Checked out the list of companies/organizations but my employer wasn’t listed and all but one org required a high fee or was very specialized. After a few days they sent SM asking for verification since I was OOS. Sent them proof of my employer whose HQ is in service area. 5 days later was approved. Def seems iffy for OOS to just skate in. May take some creativity. I’ll get SO in now with the family member relationship but I think the bonus expired 1/31. I’m sure theyll rerun or update. So far so good.

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