Posted by William Charles on March 31, 2016
Bank Account Bonuses

Published on March 31st, 2016 | by William Charles


[ID only] Numerica Credit Union $200 In Branch Checking Bonus

Offer at a glance

  • Maximum bonus amount: $200
  • Availability: Must open in branch at their Post Falls branch (Highland Crossing at 775 N. Highway 41)
  • Direct deposit required: Yes, $100+
  • Additional requirements: Open with $2,000 and maintain that balance for 60 days
  • Hard/soft pull: Unknown 
  • Credit card funding: Unknown 
  • Monthly fees: None ($20 to become a member though)
  • Early account termination fee: None
  • Expiration date: April 30th, 2016

The Offer

Direct link to offer

  • Receive a sign up bonus of $200 when you open a new Numerica credit union checking account at their new Post Falls branch and complete the following requirements:
    • Open a Numerica checking account with at least $2,000 balance for 60 days
    • Receive a direct deposit of $100+

The Fine Print

  • Valid only on new checking accounts. Checking offer good March 21-April 30, 2016
  • All bank account bonuses are treated as income/interest and as such you have to pay taxes on them

Avoiding Fees

There is a $20 fee to become a member that is waived for teens. They offer a free checking account with no monthly fees. According to their fee schedule there is no early account termination fee.

Our Verdict

Not a massive fan of in branch bonuses because they require a bit more effort to complete and usually you can’t fund with a credit card. There is also the $20 membership fee and you’d be losing out on interest on $2,000 for two months as well. That said, given it’s a $200 bonus it’s still a pretty good deal if it’s a soft pull.

Let us know if you have any experience with this bank in the comments.

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Went in today and setup an account. It’s a $100 direct deposit OR withdrawal, as long as it’s ACH, according to the woman who set up my account. The account type they push for is Sequel (as opposed to the Free Checking) which qualifies for 1.35% APY as long as you meet their requirements. I believe the account is free either way, you just miss out on the interest if you don’t meet all 4 requirements. She also told me that it would not be treated as interest and that I would not receive a 1099…though YMMV. I plan on going back in to ensure that this is correct, though.

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