Posted by William Charles on April 8, 2015
Bank Account Bonuses

Published on April 8th, 2015 | by William Charles


[Expired] [KS only] Heartland Credit Union $129 Checking Bonus

Offer at a glance

  • Maximum bonus amount: $129
  • 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, no minimum specified
  • Additional requirements: 5 debit/credit card transactions per month for two months
  • Hard/soft pull: Unknown
  • Credit card funding: Unknown
  • Monthly fees: $10, avoidable
  • Early account termination fee: $20, six months
  • Expiration date: None listed

The Offer

Direct link to offer

  • Open a Premier Checking Account with Heartland Credit Union and receive a sign up bonus of $129. You must complete the following requirements for two months:
    • Make 5 debit or credit transactions each month
    • Set up payroll direct deposit (presumably you need this to hit your account for two months after account opening)

heartland credit union 129 checking bonus

The Fine Print

  • You must not have had a HCU checking account prior to March 15th, 2015 to be eligible for this offer
  • 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

This is another bonus that goes into the basket of “we don’t know enough about it to recommend it or not”. If I lived within the target area, I’d just go into one of their branches and ask if it was a soft or hard pull to open. Because accounts can only be opened by phone or in branch, I can’t imagine that you can fund by a credit card but I could be completely wrong.

The other issue is that we don’t know what does and doesn’t count as a direct deposit, so you’d probably want to use payroll just to be on the safe side. If you do try this bonus, let us know your results so we can continue to improve this site!

Obviously this hasn’t been added to our best bonus list, but it has been added to our bank bonus database.

Direct link to offer

Hat tip to Maximizing Money

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