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Offer at a glance
- Maximum bonus amount: $100
- Availability: Membership is open to anyone who lives, works, worships, volunteers, or attends school in Monmouth or Ocean County
- Direct deposit required: Yes, no minimum specified
- Additional requirements: Yes, see below
- Hard/soft pull: Unknown
- ChexSystems: Unknown
- Credit card funding: Unknown
- Monthly fees: None
- Early account termination fee: Bonus forfeit if closed within 6 months
- Household limit: None mentioned
- Expiration date:
February 3rd, 2018February 10th, 2018
The Offer
- First Financial Federal Credit Union is offering a $100 checking bonus when open a full relationship checking account including:
- Direct deposit
- Online banking
- Debit card
- eStatements
The Fine Print
- $100 deposit will be placed in the new member’s checking account 30 days after opening.
- In order to receive the $100 deposit, the new member must open a full relationship checking account including direct deposit, online banking, a debit card, and e-statements.
- The new member’s account and membership must remain open for at least 6 months or the $100 cash bonus will be deducted from the member’s account at closing.
- If you previously had a First Financial checking account, it must be closed for at least 180 days before you may be eligible to receive the $100 new member deposit offer.
- Offer valid through February 3, 2018 and cannot be in combination with any other offer.
- Cash bonus may be considered interest reportable on IRS Form 1099-INT.
- Membership is open to anyone who lives, works, worships, volunteers, or attends school in Monmouth or Ocean County. A $5 deposit in a base savings account is required to establish membership. New members will be subject to verification of their identity. All personal memberships are part of the Rewards First program and a $5 per month non-participation fee is charged to the base savings account for memberships not meeting the minimum requirements of the program. Visit firstffcu.com to view full Rewards First program details. Accounts for children age 13 and under are excluded from this program.
- All bank account bonuses are treated as income/interest and as such you have to pay taxes on them
Avoiding Fees
They offer a free checking account with no monthly fees to worry about.
Early Account Termination Fee
This account needs to stay open for at least six months or the $100 bonus will be deducted at closing
Our Verdict
Looks like you might be able to open via phone or e-mail, otherwise you will need to go in branch. Not the most enticing bonus given it’s only $100, but might be worth doing for some if it’s a hard pull. As always please share your experiences and data points with this bank in the comments below. You can view better current checking bonuses by clicking here.
Big thanks to reader, Curmudgeon who let us know. Learn how to find bonuses and contribute to the site here.
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- Bank Account Quick Reference Table (Spreadsheet) (very useful for sorting bonuses by different parameters)
- PSA: Don’t Call The Bank
- Introduction To ChexSystems
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- What Banks & Credit Unions Do/Don’t Pull ChexSystems?
- How To Use Our Direct Deposit Page For Bank Bonuses Page
- Common Bank Bonus Misconceptions + Why You Should Give Them A Go
- How Many Bank Accounts Can I Safely Open Within A Year For Bank Bonus Purposes?
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