Update 10/1/24: Referral bonus now $100. Debit card transactions now need to be $10 or more.
Update 8/4/24: Referral bonus now $50.
Update 1/7/24: OnPath is now on Swagbucks for $40. Might be possible to stack this bonus along with the $100 referral.
Extended until 3/31/24
Update: I’ve created a separate referral page. Be sure to follow the rules there carefully or your link will be removed.
The Offer
Direct Link to offer | Referral offer
OnPath FCU offers two reward checking accounts:
- 7% APY High Yield Checking account for up to $10,000.
- 5% Cash Back checking account for up to $200 in spending ($10 free money) per month.
There are monthly qualification cycle requirements to earn that higher interest rate or cashback:
1) Log in to online or mobile banking
2) Be enrolled in and receive e-statements
3) Have at least 15 debit card purchases post and settle of $10+
Additional Details
- Credit union can be joined nationwide by making a $5 donation to the OnPath Foundation.
- They do pull Chexsystems, but no hard pull, unlikely for EWS. Not Chex-inquiry sensitive.
- $1,000 in CC funding: The application says $2,500, but only allows $100 to be filled in, and when on the phone finalizing the application, you can request $1,000. (Citi Double Cash posted as purchase.)
Referral Offer
Currently this credit union is running a ReferLive referral program with a $100 Visa rewards card for both parties. To earn the $100 Visa® Reward Card, the new customer must register via a ReferLive link, open a new OnPath FCU personal or business checking account, and complete the following within 60 days of account opening:
- Make ten (10) or more debit card transactions (excluding ATM transactions), AND
- Have one (1) or more direct deposits totaling at least $250 (no DP’s for fakes yet)
There is a limit of $500 you can earn from referrals. Max this out by referring five friends.
Our Verdict
Feel free to discuss below. I’ve created a separate referral page. Be sure to follow the rules there carefully or your link will be removed.
Thanks to Gadget – Bank Bonus Geek and ShawntheShawn for sharing this deal
Do not share your referrals in the comments below.
Can you reopen the referral page please, especially now that the referral bonus is back up to $100?
Thanks!
Can you reopen the referral page please, especially now that the referral bonus is back up to $100? Thank you!
No
No means no. Yes means….?
can someone explain what’s the drama between @
Jack and everyone else? his comments here are so salty, it’s like watching popcorn reality shows…hehe
That’s what happens with some of these chronically online users here lol, it’s absolutely hilarious and concerning at the same time.
This referral offer of $100 for each party was gone for me for a while but be back now
A few e-statements have showed up for me. I’m seeing an e-statement from 10/2024 for multiple accounts, back when I first opened my first batch of HY checking accounts.
for people that have to re-order a debit card because you locked the debit card before the migration, have you received your card yet? i am worried i won’t get the interest because i can’t do the 15 debit card transactions without a usable card.
Not yet. Don’t worry, you still have time to do the debits.
JTX
Well better than a decline:
In order to complete the online account opening process, for ALL applicants we require the original copy of your social security card.
Please provide current proof of address. Accepted forms of address verification include recent cell phone bill, utility bill, mortgage bill or insurance bill.
I only see a few reports that are similar.
Yes Peek. I recommend that you also provide a selfie of you holding your ID. If you have a US passport, that would be helpful as well. Is this your first account? What other high yield savings accounts do you use?
Peek
I uploaded what they asked for. They didn’t ask for anything else, yet anyway.
I got notification from PayPal saying 7x of my .01 subscriptions failed “for a second time.” I guess I’m confused because the first PayPal messages said they charged by backup (credit card).. so I wonder what is the reason for this second round of emails from PayPal? Also, if they really did attempt the OnPath debit cards a second time then why did OnPath decline the 7x charges yesterday?
Be careful I hope that they won’t shut down your PayPal account….
Bills
At that point you can’t even offer them a “DP” to save your account
I am late to game on this one..
I have tried to call then several times in the last few days. It is impossible to get through (Friday, I gave up after 2 hrs; currently on hold for 30 min)
Erik, are you still with the your P2 Wendy? Have you tried to refer your P2?
Erik
Word of caution, I’d avoid using cc funding if you’re trying to open more than 1 account.
You never know if they find you abusive and close all your accounts….
If you already have an existing accounts, you can do an internal transfer.
Maybe they’re watching the movie Mission Impossible that’s why it’s hard for you to get through
I guess that you are the same abusive Jack that gave nonsense comments to my posts in the past? As I explained above, I do not have an account with OnPath and I have no clue if the person that you are referring to has one either.
If I open an account using a referral, it will be from a member who has been helpful.
Please do not bother responding to this. I will not respond back.
Why are you so mean Eric? I was trying to help. The other Eric is much better to talk to
Eric 🔗
It’s also odd that you don’t have an account but start asking for multiple accounts….. How about take some baby steps first
#1. I appreciate the compliment. 😀
#2. I think that
Erik made it quite clear that he will not be responding to your comments anymore. I have a feeling that he is like me in being very steadfast with his beliefs!
#1. Yes,
Jack is the same “Jack” that you sparred with in the old Teachers post. I’m still a little bitter about how Teachers treated me. I do remember that you worked really hard like 
mothman69 did to get that bonus. Kudos to both of you!
#2. AFAIK, $1K is the maximum credit card funding for each account opening. However, when I opened my account, $100 was shown on the dashboard but a rep asked by SM if I wanted to fund $1K instead. Therefore, use a card with a low cash limit, if possible.
#3. I might be the only person in this post that hasn’t tried for a 2nd account (as even Jack has) so I can’t help you with those questions.
#4. You should be able to meet the referral requirements with either type of account. However, I feel that the 7% HY account is a much better account so I would apply for that if I was you.
Sorry to hear that Eric. What did Teachers do to you? Have you tried NCUA them?
Eric 🔗
They closed my account days after approving me in “error”. I was 1 of many that had our accounts closed probably because Teachers didn’t want to pay out all of the referrals and/or they didn’t want to pay the large credit card funding fees.
I documented all of this in said Teachers post. I am surprised that you didn’t remember this but remembered the name of the P2 for
Erik, which even I didn’t remember!
I didn’t file an NCUA complaint even though it was tempting after seeing the success that
Erik had. Now I just use “Teachers” as a punchline.
Both P2 and myself got all the bonuses from Teachers FCU after separate complaints to NCUA. They were very accommodating! After that was sorted out, P3 and P4 applied and got all bonuses as well including the referral bonuses. Very happy with the end results (I think Total $1750 + credit card funding) :-). OK. My Chase cash limit is officially $900 but they claim that they reduced it to $1 at the back-end. To be on the safe side, I hope that OnPath will not charge the $100 on the application.I think that I would only apply if I can get multiple accounts. Not worth a Chex pull otherwise.I would apply for both the HY and CB accounts; I wondered if I they would count the transactions on both accounts for the referral.
p.s. I have no clue where Jack got that P2 is “Wendy”. If I recall correctly, “Wendy” had mentioned my name in the comments. If I mention someone, that doesn’t mean that they are P2 or P3 or P4…..
#1. In the email, your comment was nice and organized by # like mine. What happened to make it this giant blob in the comment section?
#2. That’s a really nice return. It’s too bad that I didn’t follow your lead and file an NCUA complaint against Teachers. However, earlier this year, I did file my 1st (and only) NCUA complaint against Pima and because of that myself and many others ended up receiving the bonus. 😀
#3. I don’t see any reason that you wouldn’t be able to apply for both accounts on the same app but you would only get $1K in total funding then. I would do that rather than try to get a 2nd account later as they might pull your Chex for future apps.
#4. I would recommend that you meet all of the referral requirements on at least the 7% account as that is more likely to be considered the “primary” account I would think.
#5. Now I see why I didn’t remember you saying that your P2 was named “Wendy”. It’s not because
Jack has a better memory than I do. It’s because he has a more active imagination than I do. 😉
Erik had posted his link own too. They posted said that they applied and got approved from S. Calif. What are the odds that these 2 rule breakers are not a couple?
I’ve seen several people use someone’s referral link and then follow with their own. Do you have any idea how many people are in S. California? Not sure what those two did to you, but other than maybe posting their links where they shouldn’t, as long as they’re two separate people, what’s the issue?
Jack
Posting a referral link to the main DoC post, or a direct link to their referral link on the dedicated page DoC had created, was the original issue. They are not necessarily the same person.
Frey
I get that part, I just didn’t know why @jack is up in arms on if @erik and @wendy are related.
I think that Jack got upset because I was able to get the bonuses from Teachers FCU while, I guess, he did not. He didn’t believe me when I posted that they had reopened my account and I was getting the bonuses.
Got it. Thanks.
That 30 day timeline is similar to what
Tom or 
Tom wrote about a few months ago. Here’s what I would recommend that you do.
You should sign up with your info using someone’s referral link and then apply for the 7% account with your Chex unfrozen. Then a few days after approval, you should freeze your Chex and apply for the CB account.
If they send you a SM asking you to unfreeze your Chex, reference the call that you had and they will likely have no choice but to let it proceed like that. Did you get the rep’s name and note the time of the call? Those details would certainly help.
If that works out, you will get $2K in credit card funding. Personally, I would probably just apply for both at 1st to avoid the added hassle later but to each their own!
BTW, I doubt very much that OnPath is now suddenly Chex-sensitive after the merger. Let me know what you decide to do.
https://www.doctorofcredit.com/teachers-federal-credit-union-400-checking-bonus-nationwide-requires-direct-deposit-500-spend/#comment-1387969
Erik, you can deny all day long…. We have proof that you and your P2 broke the rules before by posting your own referral links….
Erik
https://www.doctorofcredit.com/teachers-federal-credit-union-400-checking-bonus-nationwide-requires-direct-deposit-500-spend/#comment-1387969
https://www.doctorofcredit.com/teachers-federal-credit-union-400-checking-bonus-nationwide-requires-direct-deposit-500-spend/#comment-1387931
Eric, see the 2 posts above on the Teacher’s thread. A reader named Wendy said she followed Erik’s recommandation
Erik and then posted her own link.
Eric 🔗
Erik had posted his link own too. They both said that they applied and got approved from S. Calif. What are the odds that these 2 rule breakers are not a couple?
Pickle Rick, we should be grateful that our phone calls got through
Pickle Rick🔗
I messaged in online banking. I’m not trying to spend my day on hold lol.
Thanks Pickle. Did you hear back anything that you asked them before? I think so far everything is work except we need to wait the new Mastercard debit card to be mailed out to us.
Pickle Rick🔗
And of course look out for the interest pay out date on 7/1.
They haven’t resolved the Zelle email issue yet, supposedly it’s been escalated to a supervisor. We also don’t have statements.
I recently opened two new accounts (one high-yield and one cashback) before they transitioned to a new online banking system. Each account is associated with a new member number IME. Not sure if anything has changed after the transition.
The CC funding limit is directly $1000 in the online application, no longer $100 as it used to be. I opened my two new accounts via two separate applications to maximize CC funding.
I’ve not tried it, but if OnPath allows you to open both high-yield and cashback checking in one application, then I think it should be fine to complete the referral bonus requirements on either account. But to avoid any uncertainty, I would do it on both accounts in that case.
Erik
Tagging
Tom because he is the guru on opening multiple accounts at OnPath.
I’ve always done separate applications for each account to get $1000 cc funding on each.
Never done the referral.
@Erik A “member number” is just an additional “share account” add one to each application with a High yield or cash back account
External transfer daily limit is currently $6,900 if initiated from OnPath CU.
Perfect number
You enjoy that? I find that distracting
Bills
what are jack’s comment so salty? who offended you
Jack
Current Transfer Limits:
Internal Transfers
Cross Account Transfers
Outgoing
$1,000 Daily
$2,000 Weekly
$4,000 Monthly
External Transfers
ACH
$6,900 Daily
$10,000 Weekly
$20,000 Monthly
If anyone has DPs for Zelle transfer limits, please feel free to share!
I’d take these numbers as a grain or salt and still use a hub to pull money out of OnPath.
ShawntheShawn 
Eric 🔗 
Gadget - Bank Bonus Geek 🔗
It doesn’t make much sense that external ACH transfers would have a higher limit than internal.
What do you think Shawn and Gadget and Eric?
I agree, and those limits are strange. The info is important if someone plans to use OnPath as a hub.
#1. The correct usage of that phrase is “with a grain of salt”. 😉
#2. I do kind of agree with you that it seems odd. However, like I told
megabr 🔗 earlier, I use LCB to pull funds out of OnPath so their limits are kind of meaningless to me.
Does OnPath offer next day transfers?
Still haven’t initiated any external transfers from OnPath yet. Their old system really sucked, I believe you could only link one account and had about a $2,500 monthly limit. I don’t have a good feeling about them setting internal transfers so low; so I linked all my HY checking accounts to LCB, to be able to pull all funds in the least amount of time in the case of a rapid rate drop.
Yesterday, I decided to make a “real” in-store purchase using my OnPath debit card. The purchase just posted to my account. The description showed up as “OnPath Consumer” and the “Transaction Type” showed up as “Card”.
Note that this is exactly how the bill pay that I paid with my OnPath debit card the other day showed up.
Therefore, it seems like “OnPath Consumer” is the new “DEBIT CARD DEBIT” and it is likely that everything is BAU, at least for now. 😀
Shawn, do you have more faith now after this?
ShawntheShawn
Eric 🔗 😀
Thank you Eric for testing yourself. I’d buy you bananas or nice frutis
My faith remains as strong as it has always been 😀.
CashApp might be an option. It showed as:
“OnPath Consumer CASH APP …”
Transaction Type Card
They are now listing ‘Last Direct Deposit Amount’ under account details for their HY checking accounts. Fingers crossed they don’t add DDs to the requirements to earn the higher rate.
It’s probably just stats/KPI. They added the banner to refer new members too. I don’t think they would use that as the requirements
True. Most banks that have high APY checking accounts do ask for DD’s, so it’s not outside the realm of possibility.
Not necessarily. Andrews doesn’t ask for DD’s….