This was formerly called JSC Federal Credit Union
Offer at a glance
- Maximum bonus amount: $1,000
- Availability:TX (
might be able to qualify through ACC,see also this comment) - Direct deposit required: No
- Additional requirements: $50,000 deposit for 3 months
- APY: Up to 4.50% on balances up to $50,000 possible with 30 debit transactions
- Hard/soft pull: Soft pull
- ChexSystems: Unknown
- Credit card funding: Unknown
- Monthly fees: None
- Early account termination fee: Unknown
- Household limit: One per member
- Expiration date: November 28, 2025
Contents
The Offer
- Open a new Wellby Secure Spending checking account by November 28, 2025 using promo code EARN2025 and earn a $1,000 bonus if you meet the following qualification:
- Deposit at least $50,000 of new money and maintain an average daily balance of $50,000 or more for the first three full calendar months following account opening (month of opening does not count).
The account also offers as a regular benefit an interest rate of 4.50% APY on your first $50,000 if you make 30 point-of-sale (POS) purchases using your Wellby Visa debit card each month.
The Fine Print
- Offer valid October 13 – November 28, 2025.
- First Secure Spending checking accounts only; one promotional incentive per member.
- Promo code EARN2025 must be entered at application and cannot be added later.
- Average daily balance of $50,000+ required in each of the first three full months; the month of opening is excluded.
- May not be combined with other checking bonuses; offer subject to change or cancellation at any time.
- Must be 18+ and meet membership eligibility.
- All bank account bonuses are treated as income/interest and as such you have to pay taxes on them.
Avoiding Fees
Monthly Fees
This account has no monthly service fees.
Early Account Termination Fee
None listed.
Our Verdict
Good return if you can park $50,000 for 3-4 months. It’s an okay deal if you won’t get the 4.5% interest, but the deal really shines if you can meet the 30 monthly debit transactions and get a solid 4.50% interest rate with the $1,000 on top of that.
Hat tip to Dougiechurns
Useful posts regarding bank bonuses:
- A Beginners Guide To Bank Account Bonuses
- Bank Account Quick Reference Table (Spreadsheet)
- 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
