Posted by William Charles on November 7, 2016
Bank Account Bonuses

Published on November 7th, 2016 | by William Charles

42

[Expired] Orange County’s Credit Union $100 Checking Bonus – Direct Deposit Not Required [CA only

This offer has expired, you can view more offers by clicking here.

Offer at a glance

  • Maximum bonus amount: $100
  • Availability: Membership in Orange County’s Credit Union is available to anyone who lives or works in Orange or Riverside Counties or the neighboring communities of Long Beach, Lakewood, Cerritos, or Signal Hill
  • Direct deposit required: Optional
  • Additional requirements: See below
  • Hard/soft pull: Soft 
  • ChexSystems: Unknown 
  • Credit card funding: Up to $100, Visa or Mastercard
  • Monthly fees: $0-$6, waivable
  • Early account termination fee: 90 days, bonus forfeit
  • Expiration date: November 30th, 2016

The Offer

Direct link to offer

  • Open a new checking account with Orange County’s Credit Union and receive a bonus of $100 when you do the following within 60 days:
    • Open new account, using promotional code YTB100
    • Set up free eStatements
    • Set up Debit Mastercard
    • Complete one of the following:
      • 5 debit card purchases
      • Set up direct deposit

orange-county

The Fine Print

  • Present by November 30, 2016 to receive offer. All accounts are subject to normal approval standards.
  • This offer is available to “new” Members only. A “new” Member is defined as a person who has never been an owner or signer of a checking or savings account or loan at Orange County’s Credit Union.
  • Must open a personal checking account, enroll in e-Statements, sign up and qualify for a Debit MasterCard, and either set up and receive Direct Deposit or make 5 Debit Card purchases within 60 days.
  • Social Security can be used as a direct deposit for Basic, Interest, and Pacific checking accounts.
  • Bonus paid by deposit to the new checking account.
  • Bonus typically paid within 90 days.
  • Bonus represents dividends deposited into your account and may be reported to the IRS. Any applicable taxes are the responsibility of the recipient.
  • The new checking account must remain open for 90 days and maintain e-Statement preference for 90 days or bonus may be reversed.
  • Offer available for personal checking accounts including Pacific Checking for youth/students.
  • Money Market accounts are considered savings accounts.
  • Social Security can be used as a direct deposit for Basic, Interest, and Pacific Checking accounts. Minimum opening deposit is $25 for Basic, Interest, and Pacific Checking accounts; no minimum deposit required for Better Than Free Checking account.
  • Offer not available in conjunction with other offers.
  • Membership in Orange County’s Credit Union is available to anyone who lives or works in Orange or Riverside Counties or the neighboring communities of Long Beach, Lakewood, Cerritos, or Signal Hill. Membership fee is $5.
  • All bank account bonuses are treated as income/interest and as such you have to pay taxes on them

Avoiding Fees

They offer a better than free checking account with no monthly minimums or fees. You do need to keep the account open for 90 days, otherwise the bonus will be forfeit. Unfortunately the better than free checking account has to be opened in branch, if you open online your best bet is the basic checking account this has a $6 fee that is waived with a balance of $750+.

Our Verdict

This is a nice bonus, it’s relatively low but you don’t need a direct deposit to trigger it and you can also fund $2,500 with a credit card. If I lived within the service area I’d be signing up for this one, because of that I’ve added it to our list of the best bank bonuses. They offered a similar $100 bonus previously.

Big thanks to reader, DD who let us know. Please consider sharing bank bonuses with this site so we can make it even better.

Useful posts regarding bank bonuses:



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Tim
Tim

Just applied and it let me fund with either a Visa or Mastercard for 5,000$

TJ
TJ

What card did you use?

Tim
Tim

Citi AA personal. Funded 5k without any issues. Cash advance limit is 4700 so it must have coded as a purchase. Its currently pending

Pending* ORANGE COUNTYS CU FUND SANTA ANA CA
Collapse Details
Additional Details
Category:
MORTGAGE COMPANIES-FINANCIAL INSTITUTION

TJ
TJ

For what it’s worth,

In order to open the “better than free checking” account, you need to go to a branch. The basic checking account can be opened online and has a minimum daily balance of only $750.

I tried using the Elan Fidelity Visa, and the card was declined. Assume it tried to do a cash advance as my Cash advance limit on that card is less than $5k.

TJ
TJ

Same Story with Bank of America. Not risking Chase as my Cash Advance Limit is above $5k.

NinjaX
NinjaX

thanks for the info. so I guess CC doesnt work unless its cash advance? I dont get what other people used…

NinjaX
NinjaX

which BofA did you use?

TJ
TJ

I don’t remember. Either BankAmericard Travel Rewards or Cash Rewards.

NinjaX
NinjaX

Would definitely appreciate any DP about which CRA is the soft pull from (my profiles are locked) and also the whole Cash Advance issue (i.e. which CC did u use?)

NInjaX
NInjaX

FYI its Experian CRA.

andrew
andrew

Citi Hilton Reserve coded $4k as purchase so far. CA limit set at $100.

TJ
TJ

I got hit with a ($29! )NSF fee after establishing ACH out with Alliant.

AD
AD

Would love any DP about CC’s besides Citi AA and Hilton which work as purchases, not CA. Citi Doube Cash or Access More would be great to use.

Ralphie
Ralphie

5k Citi Double Cash coded as purchase.

sonia
sonia

funded with capital one spark. coded as purchase

Jeff
Jeff

Funded with Chase British Airways for $5k. Coded as purchase.

JV
JV

I went to the Fountain Valley, Ca Orange County Credit Union today to open a checking account. I tried to use the promo code YTB100 to receive the $100 bonus. The account rep had to call the marketing back office to find out about the promo code because she said the code YTB100 was not valid. The marketing rep she spoke verified it was not a valid code.
Did anyone else have this problem?

theblues04
theblues04

CIti Double Cash, Chase Sapphire Reserve, and Bank of America Travel were all declined. Waste of time 🙁

G
G

funded with CSR for 5k, shows as purchase pending

CT
CT

Funded with Arrival+ for 4.4k, had Cash Advance set to $1. Got my sign up bonus points along with the purchase posting. That said I haven’t received any mail to help me set up my online account yet even though I’ve received an approval e-mail. How long does it usually take?

TRM
TRM

From Account Setup Confirmation Page:

To set up Online Banking, visit http://www.orangecountyscu.org.
In the orange “Online Banking” circle, enter your
temporary Username (your Account Number) and
Password (the last four digits of your Social Security Number).

Then, follow the on-screen instructions to create your Online Banking Username and Password.

TRM
TRM

Funded with Double Cash for 5K, and posted as a purchase.

Transaction type – Purchases
Services – MORTGAGE COMPANIES-FINANCIAL INSTITUTION

Alex
Alex

Has anyone received their bonus yet for this? Thanks.

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