Update 4/13/25: Deal is available again.
Offer at a glance
- Maximum bonus amount: $300
- Availability: “Offer limited to residents of San Antonio TX, Houston TX, New Orleans LA, and surrounding areas” (last time people said it was possible to join by becoming a member of the Texas Consumer Council, YMMV, I wouldn’t assume it worth applying from outside of the target area)
- Direct deposit required: Yes, two direct deposits of $250+
- Additional requirements: Ten purchases of $10+; e-statements
- Hard/soft pull: Soft pull
- ChexSystems: Unknown, sensitive
- Credit card funding: Yes,
$500+$150 - Monthly fees: None
- Early account termination fee:
- Household limit: One
- Expiration date: December 31, 2025
Contents
The Offer
- Credit Human is offering a bonus of a $300 when you open a new checking account and complete the following requirements:
- Checking account must remain open at least 90 days from account opening
- Minimum of 10 point-of-sale debit card transactions (ATM excluded) with a minimum purchase of $10 per transaction
- Two recurring direct-deposits of a minimum of $250 each
- Digital banking and online statements enrollment must occur.
The Fine Print
- Offer expires December 31, 2025
- Only one new checking account per primary member by household mailing address is eligible for the incentive offer and cannot be combined with any other Credit Human offers.
- Offer valid with online account opening or at any Credit Human location.
- Membership eligibility required and subject to Credit Human Membership Agreement.
- Offer is available to non-members and members without a checking account.
- Offer limited to residents of San Antonio, TX, Houston, TX and New Orleans, LA and surrounding areas. Minors, business entities, and Credit Human employees are not eligible.
- Incentive to be deposited into your checking account within 90 days.
- Incentives are considered interest and will be reported on IRS Form 1099-INT.
Avoiding Fees
Monthly Fees
They offer a free checking account with no monthly fees to worry about.
Early Account Termination Fee
I wasn’t able to find the fee schedule so unsure if there is an early account termination fee or not.
Our Verdict
This deal is better than the old $100 offer, though this new $300 offer has a direct deposit requirement. We will add it towards the bottom of the best bank bonuses page.
Hat tip to reader Edward
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
View Comments (211)
My bonus just posted. How quickly did y'all close your accounts after posting? I couldn't find any mention of an early account termination fee in the comments.
4/14: Opened account
4/22–25: Completed 10 point of sale transactions
5/1: Pushed $250 from Fidelity CMA
5/2: Pushed $250 from Fidelity CMA
7/12: $300 bonus posted
They are Chex System sensitive. I applied and got denied due to Chex System history.
Wanted to give back a little to this community-
DP
Open Thursday, Feb 27
Tuesday, Mar 11 Wise Payroll 250.87
March 17 and 18, 10 x 10 dollar Amazon reloads
March 17th Wise payroll 254.87
May 27th Deposit Promo Incentive 300.00
I'm in DFW, and I saw a couple of positive DPs on the bonus paying out. I was hoping that I could add the checking online as an existing member, but when I put in the code CheckingPromo25, I got an error message that says, "Invalid or expired promo code entered" and I can't advance the application. Guess I will have to cancel my membership and reapply. I don't see a waiting period in the terms.
I couldnt get fidelity or vanguard to withdraw to this... Seems i need to mail in forms what a pain.
I had the same problem with Fidelity. The rep said Finicity is finicky with credit unions. After a week of trying, it ended up working. So keep trying!
03/02/2025 - opened online with $250 funding (Chase CC)
e-statements
real DD done twice - employer
Ten (10) Amazon gift cards to myself for $10 each
05/30/2025 - promise $300 received
Did you end up just doing wallet reloads?
DP**
02/28- Opened online with 25.00 deposit/ e-statements/digital banking
03/03- 250.00+ Wise (Payroll)
03/05- 250.00+ Wise (Payroll)
(10) - 10.00+ Regular Debit transactions
05/28- Deposit Promo Incentive 300.00 posted
Was really skeptical about this one as I was out of footprint (still in Dallas, TX). But a rep confirmed I should be eligible when I opened the account. Anyways, here it goes:
02/22: Account opened. Funded $250 with USB Triple Cash
03/05: $255 Novo push. Coded as PPD
03/06: $255 Novo push.
03/08-03/10: Multiple Cash App and PayPal Debits. Coded as "Withdrawal Debit Card Personal Debit". Pretty sure that wouldn't have counted.
04/12: Multiple Amazon Reloads. Posted as "Withdrawal Point-of-Sale".
05/22: $300 posted
Interactive Brokers was coded ppd.