Posted by William Charles on May 17, 2017
Bank Account Bonuses

Published on May 17th, 2017 | by William Charles


[KS only] Heartland Credit Union $100 Checking Bonus

Offer at a glance

  • Maximum bonus amount: $100
  • Availability: You or a family member must live, work, worship or attend school in one of these counties Kansas: arton, Butler, Dickinson, Ellsworth, Franklin, Geary, Harvey, Kingman, Lincoln, Lyon, McPherson, Marion, Miami, Mitchell, Osage, Ottawa, Pottawatomie, Pratt, Reno, Rice, Riley, Saline, Sedgwick, Stafford, and Wabaunsee
  • Direct deposit required: Yes, two months (no minimum specified)
  • Additional requirements: 5 debit or credit card transactions for two months
  • Hard/soft pull: Hard pull
  • ChexSystems: Unknown
  • Credit card funding: None
  • Monthly fees: $10, avoidable
  • Early account termination fee: $20, six months
  • Household limit: None listed
  • Expiration date: None listed

The Offer

Direct link to offer

  • Open a new Premier Checking Account with Heartland Credit Union and receive a bonus of $100 when you complete the following requirements:
    • Receive a direct deposit and complete 5 debit or credit card transactions each month for two months


The Fine Print

  • New HCU Premier Checking accounts with payroll direct deposit and minimum 5 debit or credit card transactions each month for two months.
  • Bonus will be paid on the last day of the second month.
  • Annual Percentage Yield .10%-.30%, based on deposit level.
  • Member cannot have HCU checking prior to May 1, 2017.
  • All bank account bonuses are treated as income/interest and as such you have to pay taxes on them

Avoiding Fees

The premier checking account has a monthly fee of $10, this fee is waived if you a daily account balance of $1,000 or more or when you use your Heartland Credit Union debit or credit card 5 times or more per month. Their fee schedule can be found here.

If your account is closed within six months you will be charged a $20 early account termination fee.

Our Verdict

Update: Hard pull and no credit card funding make it a bad deal.

They have offered a higher bonus of $129 in the past. Hard to know if this is a good or bad bonus without knowing more about the bank (e.g hard/soft pull and if they accept credit card funding). As always please share your datapoints in the comments below.

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What arent my comments staying here? I’ve tried to leave 2 comments about my bad experience with this bank and it’s just not worth the time and effort


I would like to know more about your experience. I live in KS and this seems like a pretty easy bonus to fulfill. What happened to you


You have to be kidding. They pull your credit report for every single type of account you open with them. No CC funding either. I never saw this anywhere either since I wasn’t able to do it online, just the membership. Dont think I can file a dispute fast enough…


Thank you for letting me know. I will pass on it.




Opened a week ago, will be trying pushes from Ally, PayPal, & Charles Schwab to trigger bonus.


Anybody having problems with the debit card? Mine won’t work at Wal-Mart or online (Amazon reload).

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