Posted by William Charles on April 14, 2019
Bank Account Bonuses

Published on April 14th, 2019 | by William Charles


[NY, CT] Affinity Federal Credit Union $150 Checking Bonus – No Direct Deposit Required

Offer at a glance

The Offer

Direct link to offer

  • Affinity Federal Credit Union is offering a bonus of $150 when you open a new checking account and complete the following requirements:
    • Register for online and mobile banking and sign up for eStatements
    • Within 30 days of account opening make a minimum $200 monthly deposit for three consecutive months

The Fine Print

  • . To receive the $150 bonus, you must reside in New York or Connecticut and open an new Affinity Checking or MoreChecking; make one deposit totaling $200 or more, per month, for 3 consecutive months.
  • The monthly deposit of $200 or more must be made by direct deposit, a transfer from another financial institution, mobile deposit, ATM or at any Affinity branch.
  • The first deposit must be made within 30 days, the second deposit within 31-60 days and the third deposit 61-90 days of the account opening date.
  • You must register for Online and Mobile Banking and sign up for eStatements in Online or Mobile Banking within 30 days of account opening.
  • Offer valid only for new members who join Affinity within 30 days of opening the checking account or existing members without an Affinity Checking or MoreChecking account.
  • Bonus will be deposited into your checking account within 30 days of completing the qualifying activities.
  • Bonus offer excludes Business checking, Teen Checking and Revolution Spend accounts. Bonus may be reported as taxable income.
  • Limit of one checking bonus per member.
  • Additional exclusions may apply. Offer subject to change without notice. Affinity Checking:
  • There is no minimum opening deposit or balance requirement. MoreChecking: There is no minimum opening deposit.
  • Minimum balance to earn the standard 0.05% APY is $1,000. Rate may change after the account is open. Fees could reduce earnings.
  • All bank account bonuses are treated as income/interest and as such you have to pay taxes on them

Avoiding Fees

Monthly Fees

Affinity checking has no monthly fees to worry about

Early Account Termination Fee

I wasn’t able to find a fee schedule

Our Verdict

This looks to be a good bonus, assuming it’s a soft pull to open. If anybody goes for it please let us know if it’s a hard or soft pull in the comments below. Affinity Federal also has a business checking bonus for up to $400. This bank also offers a card that has a $200 sign up bonus  and 5% back at bookstores.

Hat tip to reader RT

Useful posts regarding bank bonuses:

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Needs you to be affiliated to an organization – could not find one for me/know existing member/pay $5 to Connecticut Jumpstart.

It shows you can fund $1000 by Visa, MC, Discover – which is good to know.

I have submitted an application – Will see how it goes


How did you manage to change the initial funding amount? Right now I’m stuck with $5, the minimum for the memberships. When try to change it, the fields are grayed out.

Dan - Legal Bank Robber
Dan - Legal Bank Robber

Doc got some info for you. William Charles Chuck

1. I live in NY but had to donate $5 to some fund to be eligible
2. No HP so far after submitting app
3. CC funding up to 1k Visa, MC, or Discover.
4. Had to upload DL at end of app since I am a new member.
5. I do see 1k pending on my Barclays Arrival + will update status of this and HP after a hopeful approval.

Hope this helps and glad being one of the first to apply resulted in no HP 😉


P1 approved with $950 CC deposit; P2 pending for drivers license verification.

Scheduling the deposits on the 24th of each month (9, 39, 70 days from opening).


Nice, how many Chex inquiries you have in the last 6/12 months?


For me, it was $10 ($5 to “join” and $5 for something else, I can’t remember).
Then it’s been a PITA.
First, I had to upload a copy of driver’s license.
Now they want Social Security Card and a utility bill.
This is turning out to be as bad as the Valley National offering.

I did fund $950 on Chase Sapphire Reserve (if you put $1,000, it’ll add the $10 and tell you that you can only mail a check or something, so the TOTAL has to be $1,000 or less). It’s “pending” so I don’t know yet if it’s cash advance. We’ll find out in a few days, hopefully, unless they want more documentation.


When did you do the 950$. After they approved you or during the application?
I couldn’t change the $10 and now they ask for SS card and driver license.


During the application.

After submitting the SS card and utility bill, they have denied me, but didn’t state why. Only stated “based on the information you provided”.
I do live in NY, BTW.

They did NOT state Chexsystems or anything else just:
“We are sorry to inform you that we are unable to offer you membership at this time based on the information you provided in your application.”

Oh well probably for the best, as it was shaping up to be another Valley National Bank mess.


I’d say that skipping it is starting to seem like a smart decision, as I met all requirements yet haven’t received anything.

I also reached out via chat last week to inquire what was happening with bonus payout. They said they’d get back to me; I’ve as of yet heard nothing.


Bonus posted today


William Charles They are not Chex sensitive in branch – I opened like 10+ accounts in the past year and successfully opened the account in branch.

They also have a Savings bonus that requires a deposit of $7500 for 3 months. I think the bonus is for either $75 or $100, can’t remember off the top of my head atm.


Applied last night, received an email this morning saying my application had been denied based on information provided in my application. Called their customer service line and the rep said I was declined based on “discrepancies” with my Chex report. She wouldn’t elaborate, but I’m confident it has to do with too many inquiries – I’ve opened 15+ accounts over the past 12 months.


I was able to open in branch no problem (didn’t even try online given the DPs thus far suggesting Chex sensitivity). No hard pull. I have 17 new accounts in last 6 months plus one denial – I’m guessing about half of those had Chex inquiries. They also have a $75 savings account bonus: open a savings account within 30 days of joining the credit union and deposit $7500 and hold that balance for 90 days.


DP: bonus posted at 98d from opening, and exactly 30d after completing requirements. Technically any deposit should work per terms, and in my case this was true as all I did were ACH pushes. They coded as “EXT DEP WELLS FARGO IFI – DDA / TO DDA.”
04/26/19: opened in branch, deposited $100 cash
05/03/19: $200 push from Wells Fargo
06/05/19: $200 push from Wells Fargo
07/03/19: $200 push from Wells Fargo
08/02/19: $150 bonus posted “Deposit Checking Campaign 2018”


I’d say that’s pretty good, as I made my last deposit mid June using Ally; made sure I had spaced them out according to the outlined calendar requirements; and have yet seen nothing. Account was opened mid-April.

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