Update 9/15/23: Deal is back through 11/18/23. Updated the link below. Offer limited to residents of San Antonio TX, Houston TX, New Orleans LA, and surrounding areas. Also has targeted language ‘The promotion code will automatically be added if you clicked on the actual digital ad presented to you. It will not be added by simply visiting our website. The digital ads we present are intended for targeted audiences near and around our Credit Human Financial Health Centers’
Update 7/29/23: Extended to 9/16/23
Update 5/20/23: Reposting as direct deposit not required.
Update 3/19/23: Deal is back and now $200. Hat tip to reader NBG
Update 9/30/20: Deal is valid until November 7th, 2020. Hat tip to reader
Offer at a glance
- Maximum bonus amount: $200
- Availability: Must live, work, worship or attend school in the Western or Southern area of San Antonio. Also looks like you can join by becoming a member of the Texas Consumer Council.
- Direct deposit required:
Yes, two direct deposits $100+ within 60 days of account opening - Additional requirements: Use promo code
- Hard/soft pull: Soft pull
- ChexSystems: Unknown, sensitive
- Credit card funding: Yes, $500+
- Monthly fees: None
- Early account termination fee:
- Household limit: One
- Expiration date: September 12, 2020
Contents
The Offer
- Credit Human is offering a bonus of a $100 when you open a new checking account and complete the following requirements:
- Use promo code Spring23 (promo code applied automatically)
- Register for online banking and enroll in online statements
- Use your debit card 10 times
The Fine Print
- 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.
- Minors are not eligible to participate.
- Offer valid with online account opening or at any Credit Human location. Membership eligibility required, and subject to Credit Human Membership Agreement.
- Current Credit Human members, employees and businesses are not eligible.
- To receive the incentive
- 1.) New members must open a Credit Human Checking Account before September 12, 2020.
- 2.) Minimum deposit of $5.00 required to establish membership. Checking accounts require a minimum $25 deposit to open AND
- 3.) to receive the $100 incentive, the checking account must remain open at least 60 days from account opening and at least two recurring direct deposits greater than or equal to $100 must occur.
- Funds will be deposited into your checking account within 90 days after promotion end date of September 12, 2020 and are contingent upon meeting offer requirements and account must be in good standing.
- 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 is a small bonus with a direct deposit requirement so not that attractive. We will add it towards the bottom of the best bank bonuses page.
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
Post history:
- Update 9/5/20: Deal is valid until September 12 and confirmed soft pull.
Still have yet to receive my bonus. I opened my account on the last day of the promotion during July. Submitted my application on July 14th, but my account wasn’t opened until the 18th. I confirmed with a rep the day I submitted my application that I would still be eligible for the promotion. I’ve called twice, and so far reps have just told me to wait a little longer. The last rep I talked to said I should call back on Friday if I still haven’t received it, and they would help me file a report to get the bonus.
I called today and the rep reached out via email to whoever sends their promos to their customers. Got the $200 promo a couple hours later.
WARNING – new fine print, this is no longer nationwide with ACC membership!!!
Chuck 
William Charles
“Offer limited to residents of San Antonio TX, Houston TX, New Orleans LA, and surrounding areas.”
TARGETED OFFER! “The promotion code will automatically be added if you clicked on the actual digital ad presented to you. It will not be added by simply visiting our website. The digital ads we present are intended for targeted audiences near and around our Credit Human Financial Health Centers.”
Customer service chat
Made a guess based on comments below and clicked through links on their site to apply (not via DoC link) and successfully manually applied code Fall23 (e.g. Summer23 errored out as expired). The promo code showed on submission page (no promo field is visible via DoC link). I received an internal message that the code had expired and asking if I wished to proceed. At the same time I received an ID verification email confirming they pull Equifax and ChexSystems (they asked me to unfreeze both though neither was frozen).
The code clearly had not expired and this is a Sunday, so they seem to be running some other check (address in service area?). I have a screenshot showing the accepted code so I could press the issue but probably will not since I’m several hours from any of their service areas.
Maybe you needed to wait until tomorrow?
Incentives to be deposited into your checking account within 60 days of account opening during promotion period of September 18, 2023, through November 18, 2023
Dang, maybe so. Thanks!
I got that message too and got confused because I hadn’t read this post or the signup page carefully enough so didn’t even realize there even is a promo code attached. Messaged them back telling them as much and just linking them to the promo page being active and live offer open to all. Should be OK
Update: logged in to application center link they communicated to me through to find my app has been “canceled.”
Pretty sure I’m in the footprint. I’ll give it another go with latest promo code.
I couldn’t find a place to put a promo code anywhere in the app, so no, I haven’t
Also got another message asking for address confirmation in form of utility bill etc.,even though app shows as canceled
Gonna write this one off
I got auto-cancelled after 1 day also, despite the message saying my app would cancel in 10 days if no action was taken.
I just applied and received the email: [9/17/2023 5:05:02 PM] Credit Human FCU:
Hello,
The promotional code used for this application has expired. Please let us know if you would like to proceed with the application with no promotion by replying to this message. If we do not hear back, this application will cancel 10 days after 9/18/2023 and a new app will need to be submitted.
Thank you for choosing Credit Human Federal Credit Union
Which code did you use? I do see this in the T&C. Maybe it’s not active until tomorrow?
Incentives to be deposited into your checking account within 60 days of account opening during promotion period of September 18, 2023, through November 18, 2023
Current link is https://www.credithuman.com/reward and says
“Credit Human checking account required to be open before November 18, 2023 ”
(but also “Offer limited to residents of San Antonio TX, Houston TX, New Orleans LA, and surrounding areas”)
Thanks, we’ll repost
I wonder what they consider to be “surrounding.”
They have coverage map so it’s pretty well defined.
I don’t remember seeing one for Houston either, sorry.
Did the last promo contain the following “areas” also?
No. The specific geo-locations were not listed before.
I met the requirements but bonus was not credited. Messaged them and they told me “the offer wasn’t automatically applied.” Sent a screenshot of the offer page I went through but they still said no.
Although a c/s rep confirmed that there was a promo code attached to my account, I was later denied and told there was none.
I filed a complaint with the NCUA (Nat’l Credit Union Admin.) at the link below, CFPB will just forward your complaint to them. Also, I filed with the BBB too. Their boilerplate response was that they will resolve the issue with the customer.
Good Luck!
https://mycreditunion.gov/
Update:
In response to my NCUA complaint, I received a call from a manager who informed me that they applied the promo code to my account, that I met the requirements, and that the bonus would be added to my account in early October.
Thank you for your response and the complaint work. I think it expedited it for me.
REDUX
My Chex before applying: 1/1, 3/3, 7/6, 13/12, 28/24
• 7/6 Applied; Uploaded DL, SS, Utility bill; Opening deposit $500 BoA card; Instant approved w Member #; Clicked on visit CreditHuman.com to register for OLB using member# as act#, created User ID & Password, saw acts and $205 Free Ck, $295 Share San, estatements already enrolled
*Soft pull Equifax
• 7/12 Debit card arrived
• 7/13-23 10 debit card spends: 6 CashApp loads and 4 small purchases
• 8/28 sm to confirm promo is attached; live chat asking the same thing, got weird answer “The promotion code will automatically be added if you clicked on the actual digital ad presented to you. It will not be added by simply visiting our website. The digital ads we present are intended for targeted audiences near and around our Credit Human Financial Health Centers.”
• 8/29 Got sm reply that promo is attached, bonus would be paid 9/6
• 9/3 $200 bonus posted
Did you actually pull your Chex report and count inquiries? I’m only asking because some people report banks that pull EWS and not Chex.
P2
7/02 Opened
Did Amazon Reloads
8/31 $200 bonus posted.
7/01 Opened
Did Amazon Reloads
8/30 $200 bonus posted.