Update 4/19/25: Deal is back, this time $150 + $150 charity donation. Previously it was $250.
Extended to 4/30/2024
Extended through March 31, 2024
Extended through February 29, 2024
Offer at a glance
- Maximum bonus amount:Â $250
- Availability: Texas Residents: Join the Texas Consumer Council (TXCC) at no cost to become a UHCU member
- Direct deposit required:Â Yes, two direct deposits of $500+
- Additional requirements:Â None
- Hard/soft pull: Soft pull
- ChexSystems: Unknown
- Credit card funding:Â
Up to $5,000None - Monthly fees:Â None
- Early account termination fee:Â $10, 90 days
- Household limit:Â None
- Expiration date: January 31, 2024
Contents
The Offer
- United Heritage Credit Union is offering a $250 checking bonus when you open a new checking account and complete the following requirements within the first 90 days:
- make 20 debit card purchases (excluding ATMs)
- set up two direct deposits of $500+
- opt in to e-Statements
The Fine Print
- $250 bonus may be taxable interest. Bonus is paid 30 days after the 90-day promotional period.
- Must use debit card 20 times over 90-day promotional period, ATM transactions excluded. Must opt-in to e-Statements and set up direct deposit with a minimum of two $500 direct deposits conducted during 90-day promotional period.
- Offer valid for online account openings only.
- Business accounts not eligible.
- Offer not valid for existing UHCU members.
- Membership required. Federally Insured by NCUA.
- All bank account bonuses are treated as income/interest and as such you have to pay taxes on them
Avoiding Fees
Monthly Fees
Freedom checking has no monthly fees to worry about.
Early Account Termination Fee
$10 fee if closed within 90 days.
Our Verdict
We will add this to our list of the best bank account bonuses. Shame that credit card funding is no longer possible.
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
I just tried applying. Within their footprint. First step was to enter email address and phone. They texted a code and I confirmed it right away. Second step was confirming membership eligibility, which was easy, as I live in their footprint. Third page was simply entering name and address. After submitting that info, it bizarrely ended the process and said “Thank You for Applying. Someone will contact you within 2 business days to discuss your application.” I can only interpret that as a denial, but I never submitted SSN, DOB, etc. so I’m not sure what info they might have pulled that would turn them off so quickly. Anyone have ideas on this?
I wonder what they consider to be a new member. I couldn’t find where they define it
I dont see the offer posted using the link or anywhere else on the website. If anybody finds the link could they post it please?
It’s in the comment two below yours: https://www.uhcu.org/landing/charity-offer/bookspring
This offer is for new members only. Texas residents only.2
Thank you for contacting United Heritage.
United Heritage requires a signature to close an account. The account can be closed in person or with a written request that includes a signature. On a written request, please include your account number, your current mailing address, and a photocopy of your current identification. For security and auditing purposes, please be sure to include your request and your signature as one document. This request can be mailed, emailed, or faxed. Any remaining funds will be mailed to the address on file.
Mail: P.O. Box 202020, Austin, Texas 78720
Fax: (512) 435-4048
Email: [email protected]
If you have any questions, please contact 512-435-4545 or 800-531-2328 and press 0 for a representative.
Sincerely,
United Heritage Credit Union
Got bonus.
Open on 2024-03-27
Finish requirement on 2024-04-29
Bonus on 2024-07-01
Tried to close but I need to mail/fax/email in a request with scan ID, accounts #, address, and signature. Their email link was just a [email protected] etc, so i asked if I could use the secure message that they got and was able to submit it that way.
A few hours later i got back onmly to be told it has to be a wet signature (aka, handwritten). Quite a hassle. Had to print it my .docx, sign it, and scan it back as a PDF and reupload again.
2/28/2024: Account opened with $5,000 CC funding using Fidelity Visa. Funding coded as purchase.
3/10-3/21/2024: 20 x $0.25 ChargePoint charging sessions
4/29/2024: Employer DD
5/14/2024: Employer DD
5/31/2024 $250 bonus posts as “Deposit CHECKING BONUS”.
4/29: Funded $25 to savings and $4k to checking with Citi AA biz. Citi flagged the $4k for fraud and declined it. Called in a couple days later and a CSR was able to fund the checking over the phone. I used the same card but did not have to.