[NY only] Jovia Financial Credit Union $125 Checking Bonus
Offer at a glance
- Maximum bonus amount: $125
- Availability:Nassau/Suffolk county on Long Island NY
- Direct deposit required: Yes, $100+
- Additional requirements: None
- 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
Contents
The Offer
- Jovia Financial Credit Union is offering a bonus up to $125 when you open a new checking account. Broken down as follows:
- Open a new checking account and get a $50 Amazon gift card
- Complete a direct deposit of $100 or more and get $75 in cash
The Fine Print
- 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 to worry about.
Early Account Termination Fee
I wasn’t able to find a fee schedule, so I’m unsure if there is any early account termination fee.
Our Verdict
Looks like it’s worth doing considering it’s a soft pull to open and there are no monthly fees to worry about.
Useful posts regarding bank bonuses:
- A Beginners Guide To Bank Account Bonuses
- Bank Account Quick Reference Table (Spreadsheet) (very useful for sorting bonuses by different parameters)
- PSA: Don’t Call The Bank
- Introduction To ChexSystems
- Banks & Credit Unions That Are ChexSystems Inquiry Sensitive
- 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?
- Affiliate Links & Bank Bonuses – We Won’t Be Using Them
- Complete List Of Ways To Close Bank Accounts At Each Bank
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- Bank Bonus Posting Times
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Can confirm it’s a Chex pull (did not receive any HP on 3 bureaus). I opened with its predecessor NEFCU (rebranding). Also their membership is still limited to Nassau/Suffolk county on Long Island NY.
William Charles
I tried to apply but seems its not all of NY. When you try to open it has an option to select one eligibility:
I live in Nassau or Suffolk County.
I work in Nassau or Suffolk County.
I can be sponsored by an existing NEFCU member who is an immediate family member or a household member.
I attend school in Nassau or Suffolk County.
If you can debit $250/month and maintain DD you can earn 3% apy on 25k.
DD or one bill pay per month in any amount counts as well so DD is not required. The $250 debit can be a single $250 transaction or cumulative. Easier than the 10-15+ debits with no set dollar amount.
Additional DP: Venmo and MO purchase works for debit.
That APY is now 2.5%. Still higher than most accounts out there
10/21 opened account
11/27 real $100 DD
1/24 $75 bonus
1/27 $50 Amazon GC
This CU has a wonky system. My real employer DD said “xxxx xx payment” (and clears other banks perfectly with zero issues) I had to call in and argue with them that it was a real employer DD. They denied me the bonus “based on the code”. Will be filing CFPB.
Also DP that Schwab does not work as DD. I pushed Schwab earlier, but it was rejected as nothing appeared 30 days after my DD date.
Just to update, a couple hours after I ended the call (before I actually filed the complaint) I received a call from a manager and the bonus was credited.
Are you able to SM them to close the account or do you have to go in to a branch to close?
“The minimum opening balance of $100 must remain in the new checking account for six months”. It looks like if you close the account before 6 months or simply don’t have a balance of $100 or more in your checking account (for at least 6 months) you forfeit the bonus.
Does anybody have a screenshot of the original terms? (I too was now told that the money needed to remain in the account but dont remember seeing that in the offer page)