Offer at a glance
- Maximum bonus amount: $100 (plus receive $100 per person you refer)
- Availability: Texas only
- Direct deposit required: No
- Additional requirements: None
- Hard/soft pull: Hard pullo
- Credit card funding: $5,000
- Monthly fees: None, but $5 fee to join
- Early account termination fee: $15 if closed within 180 days of account opening
- Expiration date: None listedÂ
The Offer
Direct link to offer / Terms Page
- Receive a $100 bonus for each new A+FCU business member you refer who opens up a Business Membership Savings & Business Checking Account with Business Debit Card at A+FCU.
The Fine Print
- Limit of 5 referrals per calendar year
- $100 bonus will be deposited at the opening of your account
- All bank account bonuses are treated as income/interest and as such you have to pay taxes on them
Avoiding Fees
You can avoid the monthly fees by opening a basic business checking account and a business savings account, both of which come with no monthly fees. According to the fee schedule there is an early account closure fee of $15 if closed within 180 days of account opening.
You do need to pay a membership fee of $5 to join.
Our Verdict
Update: Not worth it due to the hard pull
A+FCU also offer similar bonuses for their personal accounts, but the bonuses are only $20 for adults and $10 for youths which is why we haven’t included them. I love business bonuses like these because there is no direct deposit required, no monthly fees and it’s a good opportunity to earn more by referring other businesses you know.
Unfortunately we aren’t sure if you can initially fund your account with a credit card and whether they do a hard or soft pull to open the account. If you have any experience with this credit union, then you can share your referral links in the comment as long as you also let us know the answers to these questions.
Our favorite business checking bonuses can be found by clicking here and a complete listing of them here.
Direct link to offer / Terms Page  | Screenshot of offer
I know this is a very old thread, but anyone know if applying here is still a hard pull? Thanks.
You could email and ask, thats probably something they know for sure. I am interested in the $5000 of CC funding which someone confirmed still works a few days ago on which banks accept CC funding page. Trying to meet minimum spend requirements. If you could let me know what you find out I would appreciate it. Thanks
I reached out to their live chat and they gave the same answer as in the old hard pull data point, that, “Yes, we do hard pulls for new members because we are a credit union.”.
Has anyone opened this OOS?
Did you try?
Asked about the offer in branch and the associate mentioned funding with a CC would be run as a cash advance. I didn’t fund with a credit card to confirm this to be true.
This page is for the business checking, but I can vouch for the personal accounts not running as cash advance. At least they did last year.
I opened up a membership savings account, and was able to fund up to 5k. I used CIP and it coded as a purchase. After that I could open other accounts and fund each of them up to 5k, so I did the Money Market account and the Cash Back Checking account, each funded with CIP as a purchase.
However, for those two that I opened after my first account I had to call in to open the account as online it would not give the option to fund with CC. Funding with CC over the phone I had to pay a 7.50 visa processing fee for each account, however. Still, $15 was worth it for me for 15k in spend between the three accounts.
Hey FRD, Thanks for the info! Couple of questions:
– CIP = Chase Ink Premier?
– Hard or soft pull?
– Did you call in to open the other two accounts the same day you opened the first one or did you wait for a few days?
Would like to play it similarly.
Thanks!
Hi FRD,
Did you get a HP for opening your A+ CU savings account? Also, when opening your additional accounts, did A+ run another chex inquiry? TIA!
Denied, Chex
Does anyone know if this is still a hard pull on your credit?
Not looking to get a hard pull for a simple checking account.
Select Employer $100 Offer: https://aplusfcu.org/lp/b2s
In Texas, but looks like they will accept OOS with $10 donation.
I’m not seeing in the terms any details on which employers qualify you. Where did you happen to find the link? Have you tried this bonus and know if it pays out for anyone?
Do you know if OOS with $10 donation is confirmed? If so, how Chex sensitive? I’m maybe 8/12. Thanks.
Sorry, I do not know. I found this offer via Google. Once I saw SEG (SELECT EMPLOYER GROUP) in the promo code, I stopped looking. Based on what the webpage says, you enter that promo code and then select your employer, so if your employer is not on the list, your probably not getting the bonus. Without DP’s, I am not chancing it on a Chex inquiry and maybe a hard pull for a $100 bonus when there are $400 Chex-inquiry sensitive offers I can be getting denied for elsewhere. (sarcasm)
This one is supposed to be a money maker for the cc funding ability. That didn’t entice ya?