Posted by William Charles on February 27, 2017
Bank Account Bonuses

Published on February 27th, 2017 | by William Charles


[Must Be A Member of A Christian Ministry] Christian Community Credit Union $200 Checking Account Bonus + 4% CD

Offer at a glance

The Offer

Direct link to offer

  • Christian Community Credit Union are offering a bonus of $200 when you open your first free checking or checking plus account and complete the following requirements:
    • Open with a minimum deposit of $100
    • Sign up for eStatements
    • Receive recurring direct deposits within 60 days of account opening
  • They also offer a 4% APY CD ($2,500 maximum) that can be opened within 30 days of account opening.

christian community credit union $200 bonus

The Fine Print

  • To receive the $200 checking bonus: 1) Open your first free Checking or Checking Plus Account with a $100 minimum opening deposit. 2) Sign up for eStatement and recurring direct deposit within 60 days of account opening.
  • The bonus cannot be used as the opening deposit.
  • Direct deposit needs to be an electronic deposit of your paycheck, pension, or government benefits (such as Social Security) from your employer or the government.
  • The bonus will be deposited within 60 days into your Checking Account after membership eligibility and Checking Account are approved and you have met the Direct Deposit and eStatement requirements.
  • Offer is not available to existing Christian Community Credit Union members with Checking Accounts or those whose membership or Checking Accounts have been closed.
  • Bonus offer available to U.S. residents.
  • The bonus is considered taxable income and will be reported to the IRS on your 1099-INT form.
  • If your Checking Account is closed within six months after account opening, the bonus will be deducted from the closing balance.
  • Offer effective 02/21/17 and is subject to change without notice.
  • All bank account bonuses are treated as income/interest and as such you have to pay taxes on them


Some of you will probably be wondering how strict that ‘must be a member of a christian ministry’ requirement is. According to comments in a previous deal post, it’s very strict. They want to call your church or send a copy of tithe statement or have something from the church on an official letter head.

Avoiding Fees

Their free checking account has no monthly fees. You will forfeit the bonus if you close account within 6 months of account opening though.

Our Verdict

Also keep in mind that this CU is insured by ASI, rather than FDIC/NCUA (e.g it’s private insurance rather than government). Church requirement will kill this deal for most people, if somebody does sign up then please share your experiences in the comments below (especially the religious requirements). I’ve added this to our best bank account bonus page.

Hat tip to leaguemastergam on FWF

Useful posts regarding bank bonuses:

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I did this one last year because I saw it promoted through Samaritan Ministries (it’s a health insurance alternative that I’m a member of). Since I was part of Samaritan I didn’t have to provide any other documentation. At the time it was a $100 checking bonus I think, but there was no DD requirement, just opening the account, and no hard pull. And the CD part was 5% for up to $5K. So I opened checking and CD accounts for wife and I, got free $200 + 5% return on $10K. Pretty sweet deal and everything went smoothly, though as with many small banks the online system can be quirky. Will just be closing up the CDs this month and closing out all accounts. I’m pretty sure they do pull ChexSystems.

denied due to too many credit inquiries on my account…

I applied last night and it’s pending. Will report back if any hard pull. Did just the free checking first since trying to do the checking/CD requires $600 min opening and max cc funding is $500. So would seem you’d have to separate the openings to max out cc funding.

Nothing on credit karma this morning for Equifax or transunion. If it wasn’t for my outdated iOS I’d check the experian app too.

what did you have to do for proof?

Nothing yet as it was pending last night. But I could provide proof if needed.

Applied. Says a representative will review my application and contact me within 3-4 business days so it looks like an actual person reviews each application. As for proof in the app I had to state that my eligibility is through my church and then provide my affiliation (ie member), name the church and provide the city and state. I actually am affiliated with a church so I can back this up with phone calls or get a letter from my church if the rep requests these items in the next few days.

In all honesty I would have skipped this one if I wasn’t a member of a Christian ministry community. The not FDIC insured part does unnerve me but since I don’t have to maintain a 1,500 balance I decided I was ok with it.

Oh- also had to select the denomination of the church from a drop down list

Will I go to Hell if I apply and do not belong to a Christian MInistry? I’m going to Hell anyway. Just thought I might get double Hell for this…..

Hell isn’t a joking matter. I hope you reconsider your faith.

Christianity, if false, is of no importance, and if true, of infinite importance. The only thing it cannot be is moderately important.

On that note I think I will apply

Everything about religion is a joke.

Ferris, well said!

Good old Pascal’s Wager. Hope you picked the right denomination of Christianity…

Great point, David. There is only one Church that has been around all these years since Jesus was appointed by Peter and the Catholic Church still exists today.

I think you need more churching and dogma drilled into your head, because you’re not citing the myth correctly. Jesus appointed Peter, not the other way around.

whoa theres another Ferris?

Religion is clearly not true.

I noticed their extensive list of acceptable denominations doesn’t include Catholicism. Anyone have any DPs on if these folks are anti-Catholic and would deny me for being a very active Christian, but just not a protestant/evangelical?

Do they have a statement of faith on the website that they presume the listed denominations attest to, and you could as well?

I can certainly agree with everything in their statement of faith, but based on what I’m reading, the Catholic Church is not “on their eligibility list”. From experience, I can tell you some (not all!) protestant groups claim that Catholics aren’t Christian, and you simply cannot convince them otherwise.

Mormons face similar exclusions.

Sigh… apparently they *are* that anti-Catholic, according to an old Fatwallet post:

I guess the Church that Jesus founded isn’t “Christian enough” for them.

You can also qualify if a relative of yours has an account. Any relatives with Protestant-affiliations that you could convince to open an account, and refer you?

This makes me feel better about taking their money, then, as a Catholic. I qualified through Samaritan Ministries which is evangelical but accepts Catholics as long as you agree with the faith statement (which has some weird lines, but via some Thomistic jujitsu I decided I could assent).

Catholics are not accepted. My wife tried last year and was rejected. Looking at her rejection message from them, the language is: “The Catholic church is not in full alignment with our statement of faith.” She even pointed out that her father is a Lutheran pastor, they still wouldn’t accept her.

So yes, very strict.

I am not eligible either–not a member of a church.

Discriminating based on religion. Well, how Christian of them.

You do understand the very basic concept of creating rules/restrictions when deciding to hand out free money, right?

Note: “open your *first* free Checking or Checking Plus Account …”

“Offer is not available to existing Christian Community Credit Union members with Checking Accounts or those those membership or Checking Accounts have been closed.”

Strongly sounds like its not churnable.

Any DP’s on what qualifies as a DD? Any help would be much appreciated! Otherwise I guess I will be the DP soon enough.

Doh.. just read the comment above, my bad.

Opened wife’s account first. Checking is approved and now waiting on the CD funding. CD had to do ACH transfer since anything over $500 could not be credit card and they don’t let you fund $500 and then add the rest later. Anyways, her BofA AS Biz card posted as a purchase…

Transaction type:Purchase
Expense category:Service Providers

…doing my app next, attempting $500 on AA Plat.

I should clarify, used BofA AS Biz on the checking $500 funding.

What was the DP on Citi AA Plat MC?

My app just got approved today on the checking. Received a call and then follow up encrypted email with member #, acct #, routing #. Similar encrypted email on my wife’s checking when she opened so keep an eye out for that message as it has all the info you need to set up DD and get logged in. Checking was approved but since I did the CD on a separate app to separate the funding ($500 CC on checking, then ACH transfer for $2500 CD) they said that was still pending. Checked on Citi’s website and it says its a pending purchase transaction.

Citi AA Plat cleared as a $500 purchase.

I was looking for a reason to renew my faith, and this is just the ticket!

What a joke – They pulled Chex.

Then sent me a letter saying I’m denied for new checking account, without providing any explanation.

DP: They appear to be sensitive to Chex inquiries.

I applied with proof of association with a ministry (went on a medical mission last year). However, they denied me due to “excessive Chexsystems inquiries.” I asked to speak to a manager, they sent me to voicemail. I left a friendly voicemail asking to discuss the situation, never heard back. I may persist, both the checking and the 4% CD are a pretty sweet combo.

FYI they said I have 26 inquiries. :-} So I thought it was time to request my report to see exactly what’s on there.

out of curiosity, what excuse did you have in mind for them regarding having that many inquiries?

Funded $500 for the checking account, no problem.
No sign of a hard pull.
I’m low enough on Chex that my DP isn’t useful.
Trying DD through AZ merchant, will follow up.

Is this bank “churnable?” I applied for this offer last year and even opened a CD. Closed the account after 6 months and just cashed out the CD in January.

Any tips on triggering the DP requirement? Did they take the full 60 days to deposit the bonus?

*DD requirement

Does anyone know the answer to this? I want to know if it is churnable as well. Thanks!

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