Posted by William Charles on August 25, 2019
Bank Account Bonuses

Published on August 25th, 2019 | by William Charles


[Expired] [DFW, TX only] Credit Union of Texas $250 Checking Bonus

Deal has expired, view more checking bonuses here

Bonus is back for 2019. Hat tip to reader Bart M

Bonus is back for 2017. Thanks to reader Tyler.

Offer at a glance

  • Maximum bonus amount: $250
  • Availability: Have to open in branch and all branches are located in Texas. [Branch locator]
  • Direct deposit required: Yes, $600+ per month for six months
  • Additional requirements: None
  • Hard/soft pull: Hard pull
  • Credit card funding: Yes, unknown amount
  • Monthly fees: $6-$10, not waivable. 
  • Early account termination fee: Six months, bonus forfeit
  • Household limit: One
  • Expiration date: December 31st, 2016 2017

The Offer

No direct link, offer in branch

  • Receive a bonus of matching bonus of up to $250 when you open a new secure or secure PLUS checking account with Credit Union of Texas & receive a direct deposit of $600 or more per month. The matching bonus is based on your initial deposit, so make sure you deposit at least $250 to get the full bonus.


The Fine Print

  • Restrictions may apply.
  • Matching deposit bonus offer is only valid on Secure Checking and Secure Checking PLUS.
  • Offer not valid on 2nd checking accounts.
  • Limit one checking account related award/premium per household.
  • Coupon must be presented at account opening. This offer is valid on new checking accounts only and not in combination with other offers. To receive
    the $250 checking deposit match bonus: 1) Open a new Secure or Secure PLUS Checking account, which is subject to approval; 2) Deposit a minimum of $25 at account opening. (This initial
    deposit is what will be matched, up to $250 if all conditions are met.); AND 3) Have a direct deposit of at least $600 a month deposited to the account within 60 days of account opening.
  • Your direct deposit needs to be an electronic deposit of your paycheck, pension or government benefits (such as social security) from your employer or the government.
  • Matching deposit
    bonus amount will be determined by the initial deposit made when opening the new checking account and will not exceed $250. The account must not have a negative balance to receive
    cash bonus.
  • Checking account with direct deposit must remain open for a minimum of six months or matching deposit bonus may be debited from account at closing.
  • Matching deposit bonus is considered interest and is reportable on IRS for 1099-INT

Avoiding Fees

Membership Fee $10

There is a $10 membership fee to join. You have to be a member to sign up for this bonus.

Early Account Termination Fee

You need to keep your account open and in good standing and continue to receive direct deposits of $600 per month for six months otherwise they will claw back the bonus.

Secured $6 Monthly Fee

Only way to waive this fee is to be under 25 years of age

Secured Plus $10 Monthly Fee

Only way to waive this fee is to be a veteran.

Our Verdict

You’re going to end up paying at least $40 for this bonus ($10 to join and $30 in monthly fees), so really the bonus is for a bit less (especially if you take into account taxes). It’s impossible to know if it’s a good deal or not without knowing if it’s a hard or soft pull, so please share your knowledge in the comments. We haven’t added it to our list of the best bank promos because of this.

Useful posts regarding bank bonuses:

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The link that you show does not talk about the bonus at all. This may be a better link:


Wife just signed up for our household. Confirmed twice no hard pull. Was allowed to use debit for funding, but not credit card.

Tyler Poland
Tyler Poland

Curtis, I see that they gave you different information than I received. Can you confirm that no hard pull showed up on her credit report?

Tyler Poland
Tyler Poland

I know this was posted a while ago but I went in last year to open an account (there’s one half a mile from my office so it would have been convenient) but they told me to open your first account it would be a hard pull. I therefore didn’t open an account.
Just wanted to add this data point in case this bonus comes up again.


FYI I found a new offer for CUTX. It’s good through 12/31/17.

I’ll probably go into the bank and try to get more information regarding a hard pull.

Steve tx
Steve tx

I have one around the corner so I am interested in hearing about your experience.


This is pretty dfw only since this requires going to a branch & this CU doesn’t have any branches outside the Dallas metro. Sucks, thought finally a TX only bonus that I can do. But prolly not worth the drive to dfw.


Data point as of 12/11:

I went to a branch in Dallas area and showed the promotion of up to $250 bonus. The rep asked me where I found it. The tone was funny since then, LOL. He even mentioned “fraud”. I was cool and asked him will u honor this promotion? He said no due to an internal email but didn’t show me the email.

Whatever, waste of my time. I guess these CUs don’t have money.


William Charles the branch locator link is old and needs updated… use this instead:

Also, as noted by the most recent comment here, and per the link above, this is ONLY available by visiting branch in Dallas area. Could you update the title to reflect “DFW, TX ONLY”?

Even as a fellow Texas resident, I would not be able to easily visit a Dallas branch to open this given how far away Dallas is and wouldn’t even attempt to do so given the most recent DP of being denied promo as indicated by flyingpig.


According to the fine print on the offer screenshot above (and the same document can be found on their website with a bit of googling), they’ve raised their monthly fees from $5/$9 to $6/$10, so it will now cost you $46 instead of $40 to do this one if you’re neither a student under 25 nor a veteran.

William Charles could you update this info? Thanks!


No waivable fee is crazy…plus hardpull? Even though there’s one 5 mins from work and i have a mortgage with them, it doesn’t seem worth it


Hard inquiry


same here.

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