Update 2/1/26: Now limited to a maximum of two accounts per type, when denied for a third they provide the following via secured message when questioned:
Our system indicates that you currently have the maximum number of this type of rewards checking account allowed per member. OnPath Credit Union limits members to: • 2 High-Yield Rewards Checking accounts, and • 2 Rewards Cash Back Checking accounts
Update 11/12/25: Reduced to 6% APY starting December 1, 2025.
Update 7/16/25: Referral bonus now $150/$150. Do not share or request referrals in the comments below.
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 $160 in spending ($8 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
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 $150 Visa rewards card for both parties. To earn the $150 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 (15) or more debit card transactions of $10 or more each (excluding ATM transactions), AND
- Have one (1) or more direct deposits totaling at least $250
There is a limit of $750 you can earn from referrals. If you use somebody’s link that has maxed this out you will still receive your bonus.
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. Do not share or request referrals in the comments below.
Thanks to Gadget – Bank Bonus Geek and ShawntheShawn for sharing this deal
