Posted by William Charles on April 21, 2019
Bank Account Bonuses

Published on April 21st, 2019 | by William Charles


[Houston, TX only] SPCO Credit Union $100 Checking bonus

Offer at a glance

  • Maximum bonus amount: $100
  • Availability: Houston, TX only
  • Direct deposit required: Yes, no minimum specified
  • Additional requirements: eStatements
  • Hard/soft pull: Soft pull
  • ChexSystems: Unknown
  • Credit card funding: Unknown
  • Monthly fees: None
  • Early account termination fee: $25, three months
  • Household limit: None listed
  • Expiration date: June 28th, 2019

The Offer

Direct link to offer

  • SPCO Credit Union is offering a bonus of $100 when you open a new checking account and complete the following requirements:
    • Receive a direct deposit (no minimum specified) within 60 days of account opening
    • Enroll in eStatements

The Fine Print

  • To qualify for the $100 deposit, you must be an SPCO member in good standing and open a new Better than Free Checking Account with eStatements and Direct Deposit. Existing Checking Accounts are not eligible to receive the $100 incentive.
  • The $100 will be deposited after the first direct deposit into the Checking Account.
  • Allow up to three weeks after the first direct deposit for the incentive to be applied. The direct deposit must be completed within 60 days of the account opening. “Bonus” is considered interest and may be reported to IRS Form 1099-INT.
  • Please consult your tax advisor on any legal, tax, or financial issues related to your bonus or personal matters. Offer expires June 28, 2019.

Avoiding Fees

Monthly Fees

This account has no monthly fees

Early Account Termination Fee

According to the fee schedule there is a $25 early account termination fee if closed within three months.

Our Verdict

Only worth considering if you’ve already done all the much bigger and better bonuses available, and even then we don’t know if it’s a hard or soft pull. As always if anybody goes for this one share your experiences in the comments below.

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Fee schedule shows $25 etf for closing in under 3 months. The account description mentions an inactivity fee, but that doesn’t appear on the fee schedule.


Looks like $25 fee if closed within the first 3 months.


$100 seems a little low to be the DP you want to see. Anyone gave this a shot yet?


Anyone have a DP on HP? Might consider going for it.


DP: not a hard pull. Just opened in branch, which’s pretty smooth.


Must be within 10miles.

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