[MI] Alpena Alcona Area Credit Union $125 (Youth), $275 (Adult) Checking Bonus, Direct Deposit Not Required

Offer at a glance

  • Maximum bonus amount:
  • Availability: You reside, work, own real property, attend school or worship within any county in the State of Michigan.
  • Direct deposit required: No
  • Additional requirements: See below
  • Hard/soft pull: Soft pull
  • ChexSystems: Unknown
  • Credit card funding: Unknown
  • Monthly fees: None
  • Early account termination fee: Unknown
  • Household limit: None listed
  • Expiration date: None listed

The Offer

Direct link to offer

  • Alpena Alcona Area Credit Union is offering a bonus of $100-$250.
    • Members that are 18 or older can earn $250 when they:
      • New membership opened via our online application or in person at any branch
      • Open a debit card
      • New member signs up to receive e-Statements
      • Be enrolled in our FREE Credit Monitoring Service
    • Members that are 14-17 can earn $100 when they:
      • New membership opened via our online application or in person at any branch
      • Open a debit card
      • New member signs up to receive e-Statements
  • Can also get a $25 bonus to deposit a check

The Fine Print

  • Offer limited to new memberships opened after August 22, 2024, and subject to change. AAACU membership with checking account, debit card and e-Statements required. Offer applies to consumer accounts only and is not valid for current members or previous members within last 12 months. Reward is paid as dividends to the account upon opening and will be available to you after 30 days. Account must remain in good standing. Must have valid U.S. taxpayer identification number to receive reward which will be reported as dividends on IRS form 1099-INT. All taxes due are the responsibility of the recipient. Reward may not be combined with other new member incentive offers. Federally Insured by NCUA.
  • Offer limited to new memberships ages 14-17 opened after August 04, 2025, and subject to change. AAACU membership with checking account, debit card and e-Statements required. Offer applies to consumer accounts only and is not valid for current members or previous members within last 12 months. Reward is paid as dividends to the account upon opening and will be available to you after 30 days. Account must remain in good standing. Must have valid U.S. taxpayer identification number to receive reward which will be reported as dividends on IRS form 1099-INT. All taxes due are the responsibility of the recipient. Reward may not be combined with other new member incentive offers. Federally Insured by NCUA.
  • All bank account bonuses are treated as income/interest and as such you have to pay taxes on them

Avoiding Fees

Monthly Fees

This account has no monthly fees

Early Account Termination Fee

Unknown if any EATF is charged. 

Our Verdict

Fantastic bonus as no direct deposit is required, definitely worth doing and will be added to the best checking bonuses. 

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    William Charles
  • On August 16, 2025, 11:00
Tags: direct deposit not requiredmi bank bonusessoft pull

View Comments (16)

  • Open a membership on mobile with Chex Frozen. The next day, I found that only the savings account was opened. So I added a checking account, but the page to order a debit card is 404. Talked to an agent through chat, and hopefully the debit card was successfully ordered.

  • @2 FYI Article headline says $125 youth and $275 adult. Link shows $100 and $250.

    Ran thru my the application on my phone, got to "Application submitted without verification. Click to return to home page"

    I clicked and it brought me to a 404 page not found. I guess I wait and see before I attempt for my teenager.

  • The name of an AAACU team member is required during application. Can any one provide a name?

  • The above text indicates the bonus will be dividends paid to the account, but that's just for those 14-17. Their full fine print (two asterisks) is: "Offer limited to new memberships ages 14-17 opened after August 04, 2025, and subject to change. AAACU membership with checking account, debit card and e-Statements required. Offer applies to consumer accounts only and is not valid for current members or previous members within last 12 months. Reward is paid as dividends to the account upon opening and will be available to you after 30 days. Account must remain in good standing. Must have valid U.S. taxpayer identification number to receive reward which will be reported as dividends on IRS form 1099-INT. All taxes due are the responsibility of the recipient. Reward may not be combined with other new member incentive offers. Federally Insured by NCUA."

    Note that the offer for those 18+ has a single asterisk after "$250.00 Member Reward." That leads you to fine print which says: "APY = Annual Percentage Yield. Rate is fixed for the term of the certificate. New Member Reward $250 CD offer valid as of 8/4/2025 and subject to change. Offer requires new membership account with a checking account with debit card, enrollment in eStatements and Savvy Money Credit Score Solution.All criteria must be met within 2 weeks of the account opening. The reward will be deposited into a 7-month CD once all criteria have been met. Early withdrawals are not allowed for the reward certificate. Accounts must remain in good standing and early closure of the account forfeits all earnings and the $250 new member reward. Rewards are reported as dividends on IRS form 1099-INT. All taxes due are the responsibility of the recipient. Offer valid for new consumer accounts only and is not available for business or entity accounts, current members or previous members within the last 12 months. May not be combined with other deposit rewards offers."

    That last line makes me wonder about the $25 mobile check deposit offer. Does it simply mean they can't be done together (but later with the check deposit would be fine)?

  • The key to opening this account is applying on mobile. It did NOT work on my desktop. Approval was instant and enrolling in everything required was instant except for mobile check deposit which apparently takes a day. I forsee this being an easy $275.

    THANK YOU SO MUCH DOC I LUV U <3

    • I am glad it worked for you. I tried applying on Mobile and same result. May be because my DL is OOS and it does not recognize it but I qualify a different a way for this CU (own property).

  • Does not open online. The system does not recognize the verification ( tried at least 5 times) and there is no manual review to submit application that I can find.

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