[IL, MI, WI] Advia Credit Union $250 Checking Bonus, Direct Deposit Not Required

Offer at a glance

  • Maximum bonus amount: $250
  • Availability: IL, MI, WI
    • Michigan: All counties in the lower peninsula.
    • Wisconsin: Dane, Green, Jefferson, Kenosha, Milwaukee, Racine, Rock, Walworth, Waukesha
    • Illinois: Boone, Cook (north of Irving Park Road), DuPage, Kane, Lake, McHenry, Winnebago
  • Direct deposit required: No
  • Additional requirements: See below
  • Hard/soft pull: Unknown
  • ChexSystems: Unknown
  • Credit card funding: Up to $505
  • Monthly fees: None
  • Early account termination fee:$5 within 90 days
  • Household limit: None listed
  • Expiration date: None listed

The Offer

Direct link to offer

  • Advia Credit Union is offering a $250 checking bonus when you open an Advantage Plus Rewards and complete these requirements:
    • Use promo code NM1000
    • Checking Account: Regular, Assurance, or Money Market
    • $400+ e-Deposits monthly: Direct Deposit, ATM, and Mobile Deposit (RDA)
    • 20+ combined Visa® Debit and Credit Card purchases monthly

The Fine Print

  • All bank account bonuses are treated as income/interest and as such you have to pay taxes on them

Avoiding Fees

Monthly Fees

There is no monthly fee on this account.

Early Account Termination Fee

There is a $5 fee if closed within 90 days of account opening

Our Verdict

Better than the $100 referral bonus offered earlier in the year. Assuming this is a soft pull it should be worth doing. This account also earns 3% APY on balances up to $5,000 when the requirements are met. Not that attractive with the low cap and rising rates elsewhere.

Hat tip to reader Matt J

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    William Charles
  • On July 4, 2022, 11:00
Tags: credit card fundingdirect deposit not requiredIL bank bonusesmi bank bonuseswi bank bonuses

View Comments (48)

    • Declined in January 2024 due to Chex (lol/24) although they said they couldn't verify my identity.

      • Is that just a nonsense reason CUs use to decline with less mess? I had one that declined recently, they said due to ID verification but they never asked me any verification questions. Not sure if the account opening people get lazy or what.

  • Rather surprisingly the bonus paid out today.
    Opened 12/16/22
    Jan 2023 20 odd debit transactions mainly at gas pumps
    2/1/23 $250 bonus.

  • Chex sensitive. 19/24 chex. Applied online, was denied citing unable to verify. Went to branch to verify. Still was declined. Watch your chex carefully when going with credit unions. The only bank that is chex sensitive is Keybank afaik. Good luck everyone. Kind of bummed that I missed out on this one.

  • Data Point

    (P1 & P2)
    8/3/22 Opened online
    8/4/22 $500 mobile check deposit
    8/30/22 20 debit purchases completed (mostly Amazon loads)
    9/1/22 $250 bonus posted to savings account

    Both accounts were frozen when attempting to activate debit card. Had to go in branch to verify identity. Teller had to call fraud dept (lot of whispering) as we waited and waited. When I asked what the problem was the teller said it had something to do with our device. Other than that, a pretty easy quick bonus. P3 applied same day as P1 & P2 but was denied due to identity verification.

    • It’s that kind of shit I hate when dealing with banks. I was denied online. Didn’t try opening in branch.

      Do you have high Chex?

  • Just wanted to add some datapoints.

    July 4th- Applied and opened the same day.
    July 14th- $400 transfer from ally savings to meet monthly e-deposit.
    20 $0.50 amazon reloads throughout the month of July using the debit card.
    Aug 1st- $250 bonus posted.

    You only have to do it for a month, not 3 months consecutively.

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