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22 Comments
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Dylan
Dylan (@guest_2032754)
March 27, 2025 11:51

I didn’t read the T&C correctly but this account does need to be kept open for one year in order to avoid the bonus from being pulled back from the account:

“New checking account and new net direct deposit required. Account must remain open at least 1 year or bonus will be debited at closing. $200 will be deposited into the new checking account after two payrolls have posted to the account. Direct deposit minimum of $400 per deposit required. Limited time offer expires 07.01.2025.”

They also have a six-month inactivity fee in their fee schedule. This can probably be fixed by transferring in and out $1 every 3 months. At least they have no monthly maintenance fees.

When I opened my account, they also did a hard-pull to my Transunion credit report.

I will finish out this bank bonus just because i’m so invested. But this is one of the harder bonuses to do and I would only attempt it if you’ve run out of other ones. The good news is they did approve me for an account and I was at lol/24.

Indiana
Indiana (@guest_2031953)
March 26, 2025 17:18

A hard credit check and NO CC funding option on 3/26/2025
https://imgur.com/a/hcYeJSE

Woody 🔗
Woody 🔗 (@guest_2033393)
March 28, 2025 00:21

How much amount did you fund?

Woody 🔗
Woody 🔗 (@guest_2028889)
March 22, 2025 13:54

Offer is back. Expires 7/1/25

https://www.imcu.com/special-member-offer

Easy bonus with credit card funding

Matt
Matt (@guest_2015416)
March 3, 2025 08:36

Another payout datapoint. Used real DD, payout on the same day as the 2nd DD.

Another quirk of this account I found is that you cannot connect accounts to the online accounts (either internally or externally) for 30 days after online account creation.

Dylan
Dylan (@guest_2032756)
March 27, 2025 11:52

A lot of smaller credit unions are like that.

Woody 🔗
Woody 🔗 (@guest_2004876)
February 14, 2025 23:24

5/1/22 I opened checking & saving with IMCU first time in branch. And received my first ever Chex inquiry. No hard pull
11/20/24 Closed a checking account but remain a saving for a membership.
1/22/25 Added a checking account as an existing member. I stopped at the account funding method to check that how much for credit card limit.

💥 Got hard pull on transunion and chex pulled before approval 💥 This is weird because it seems that no DP got hard pull.

1/25/25 Account approved
2/13/25 +$401 Chase ACH
2/14/25 +$200 Deposit Checking Promo

What a valentine surprise 😱 I haven’t met a requirement yet

Alex
Alex (@guest_1995874)
February 2, 2025 08:55

The link is still valid, but technically this offer has expired

Matt
Matt (@guest_1993959)
January 30, 2025 08:05

Datapoint on CC Funding: Tried both BoA Premium Rewards and Unlimited Cash Rewards. Both posted as purchase

Merchant Name: IMCU COLLECTIONS IMCU COLLECTIONS
Transaction type: Purchases
Merchant description: FINANCIAL INSTITUTIONS -MERCHANDISE AND SERV

Amy W
Amy W (@guest_1994275)
January 30, 2025 17:55

Any approximation on how many days it takes the cc funding to go through? I’m trying to finish off a c spend bonus by Feb 10th.

Woody 🔗
Woody 🔗 (@guest_1994353)
January 30, 2025 19:45

Mine 2 days

Woody 🔗
Woody 🔗 (@guest_1992447)
January 27, 2025 15:32

Hard Pull on Transunion confirmed by Chat Rep, Phone Rep and My local branch Rep 👀

Opened online on 01/25/25

Joe
Joe (@guest_1992388)
January 27, 2025 13:43

Any other ways than an employer deposit to trigger the DD?

Brian
Brian (@guest_1992290)
January 27, 2025 12:23

It did not show as a hard pull for me when opened a few months ago.

11/18/24 – Opened account
11/29/24 – $400 DD
12/13/24 – $400 DD
01/17/25 – Received $200 bonus