Offer at a glance
- Maximum bonus amount: $200
- Availability: Limited to the OH counties: Montgomery, Darke, Preble, Warren, Miami, Clark and Greene.
- Direct deposit required: Yes, no minimum
- Additional requirements: See below
- Hard/soft pull: Soft pull
- ChexSystems: Unknown
- Credit card funding: Unknown
- Monthly fees: $2 avoidable
- Early account termination fee: Unknown
- Household limit: None listed
- Expiration date: 10/31/25
Contents
The Offer
- CODE Credit Union is offering a $400 bonus when you open a new checking account and complete the following requirements:
- Open a Cash Back Checking account by 10/31/25
- Enroll in eStatements
- Obtain a CODE VISA Debit Card
- Maintain an average daily balance of $1,000
- Set up and receive direct deposits totaling $1,000 or more within 60 days
The Fine Print
- To receive a $400 cash bonus, open a new Cash Back Checking account with select services (estatements, debit card and direct deposits totaling at least $1,000 within 60 days of account opening) by October 31, 2025.
- To receive a $300 cash bonus, open a new Smart Saver Checking account with select services (estatements, debit card and direct deposits totaling at least $500 within 60 days of account opening) by October 31, 2025.
- The cash bonus will be deposited upon verification of select services. Offer valid for new checking accounts only.
- Must not have had a previous checking account with CODE Credit Union within the last 12 months. Limit one promotional bonus per member.
- Bonus may be reported on IRS Form 1099-INT.
- All bank account bonuses are treated as income/interest and as such you have to pay taxes on them
Avoiding Fees
Monthly Fees
Cash back checking has no monthly fee with eStatements +$1,000 balance. Otherwise there is a $5 paper fee and $5 monthly service fee.
Early Account Termination Fee
I wasn’t able to find a fee schedule so unsure if there is an early account termination fee or not.
Our Verdict
Better than the previous $100 referral bonus and $200 bonus. We will add this to our list of the best checking bonuses.
Hat tip to ShawntheShawn
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
- Banks That Allow/Don’t Allow Out Of State Checking Applications
- Bank Bonus Posting Times
