Offer at a glance
- Maximum bonus amount: $200
- Availability: If you or a family member live, work, worship, or attend school within Dallas, Collin, or Rockwall County
- Direct deposit required: Yes, no minimum specified
- Additional requirements: None
- Hard/soft pull: Unknown
- ChexSystems: Unknown
- Credit card funding: At least $3,000, maybe more
- Monthly fees: $9.99, avoidable
- Early account termination fee: None
- Household limit: None listed
- Expiration date: None listed
Contents
The Offer
- America’s Credit Union [TX] is offering a $200 bonus when you open a new Momentum+ Rewards accounts and receive direct deposits within third full month-end cycle period after account opening,
The Fine Print
- Offer valid for qualifying new Momentum+ Rewards accounts.
- The one-time bonus eligibility is based on qualifying direct deposits received during the third full month-end cycle period after account opening, with the applicable bonus credited the following month.
- Qualifying direct deposits generally include payroll, pension, or government benefits and exclude person-to-person payments (including but not limited to Zelle®, Cash App®, PayPal®, Venmo®, or similar services), transfers, or deposits made by the account holder themselves.
- Determination of qualifying direct deposits is at the Credit Union’s discretion. Limit one bonus per membership.
- Bonus requires opening both a Momentum+ Rewards Checking account and a Momentum+ Rewards Savings account, and both accounts must be open and in good standing at the time the bonus is paid.
- Bonus not available for account conversions.
- Members without a checking account who have not had a checking account with the Credit Union in the past 12 months may qualify.
- Bonus funds will be reported as dividend income and will be reported on IRS form 1099-INT. Offer subject to change.
- All bank account bonuses are treated as income/interest and as such you have to pay taxes on them
Avoiding Fees
Monthly Fees
A $9.99 monthly maintenance fee is automatically waived when your direct deposits total exceeds $600.00
Early Account Termination Fee
None for checking account according to fee schedule.
Our Verdict
Might be stackable with a $75 refer bonus, please don’t share your referrals until we confirm it does stack and both bonuses post.
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
