[GA only] Delta Community Credit Union $200 Checking Bonus

Update 3/29/25: Available again until May 31, 2025. 

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: $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, 2020 March 31, 2021

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:
    • 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:

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
    William Charles
  • On March 29, 2025, 11:00
Tags: credit card fundingdirect deposit not requiredga bank bonusessoft pull

View Comments (532)

  • There is an easy way to join OOS which is a bit under the radar:
    https://www.lscu.coop/foundation/friend-of-foundation.php

    Friends of the foundation is free to join but you may need to make a donation (I did) which is around $15

    It is not listed as an option until you do the actual application so it is a bit hidden.
    Joined/approved successfully OOS using this method without issue.

    • Was your application approved automatically or did they reach out to you to get the proof of "Friends of Foundation" membership?

      • I believe I got an initial congratulations but that someone would be reaching out to me to complete the process.. They then just asked for 1) Copy of ID 2) Evidence of Eligibility for the method you used

        (They literally said it as above and did not ask specifically for Friends of Foundation)
        I then uploaded a receipt for Friends of the Foundation along with ID and the account was quickly opened with no further contact.. That was it..

  • This CU is weird, they asked me to send the W2 of 2024 from a former employer, and doesn't accept any older W2. An agent told me the definition of "former employer" is the company you worked in 2024 only.

  • This offer (as of 3/30/25) requires direct deposits of $1,000. For debit card purchases, they didn't mention minimum amount (I've seen some banks require at least $5-$15 each).

    >>> "To qualify, simply establish and complete Direct Deposits totaling $1,000 to your new Checking Account and make at least 10 Visa® Debit Card purchases within the first 90 days of account opening. "

  • @2,

    I just checked the link in the post and there is a new $200 offer. It is valid through 5.31.25 with code "CHECKING200".

    • Good find.

      I guess no churning?
      "This offer is valid for the first-time Delta Community members only ..."

      • I’ve gotten this bonus twice. They auto close your account after sometime and I reopened the account with bonus codes each time. I’d go for a 3rd but I kept this account open because it is a pretty good CU to actually use

          • Good loan rates, in the no fee CU network, quick transfers, a great app for a CU and they did ALL the foot work for my car refi when I bought A new car on dealership financing for a better price then refinanced appropriately 2 weeks later for 4 points below the dealerships rate thru delta

      • @guest_1668718,

        I think that clause has always been there and I do recall people (including @guest_1189479 and @guest_1148140) reporting being able to successfully churn Delta despite those very restrictive terms.

        That being said, I think that Wayne told me that he didn't receive the bonus during his 3rd churn attempt but hopefully he can confirm that.

        Also, it appears to be much harder to get in OOS as I don't think the Creflo route works anymore. I've just kept my account open all of this time so even if I wanted to try, I wouldn't be able to attempt another churn.

        Are you going to try?

        • Eric is correct I did not get the bonus in 2024. I did receive it twice before that time.

          • Had you closed your membership and then joined again, or did you open a new checking account?

  • P1 and P2 same DP.
    09/03/24 - Openes account using previous promo code for $250, even though it was expired 2 days before I applied.
    09/04/24 - $500 push from Fidelity CMA
    09/05/24 - $500 push from Fidelity CMA
    09/05-09/20/24 - Did bunch of Apple pays and some legit payments.
    10/10/24 - Received $250 Bonus

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