Posted by William Charles on September 25, 2018
Bank Account Bonuses

Published on September 25th, 2018 | by William Charles

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Unify Financial Credit Union $100 Checking Bonus – [Nationwide]

Offer at a glance

The Offer

Direct link to offer (note the URL isn’t the official Unify Financial Credit Union, but when you start applying it does show that URL)

  • Unify Financial Credit Union is offering some bonuses when you open a new checking account:
    • Open a new free checking or eChecking account and receive two LA rams home game tickets based on availability
    • Receive a bonus of $100 when you establish a recurring ACH drecit deposit of at least $500 aggregate each month

The Fine Print

  • Offer expires March 31, 2019, and is subject to change without notice.
  • Receive one (1) $100 bonus into your checking account by establishing a recurring ACH Direct Deposit of at least $500 aggregate each month.
  • New Direct Deposit must be established and posted within 90 days of account opening, and bonus will be paid after the third statement cycle following account opening.
  • Limit one Direct Deposit bonus per member.
  • Account must be in good standing to receive any bonus. Account holder responsible for all applicable taxes. UNIFY employees, volunteers and family members not eligible.
  • Not valid with any other bonus offer.
  • Limited ticket quantities available, while supplies last.
  • Offer subject to change without notice and may end at any time.
  • Eligible new account holders who qualify for and open a new FREE Checking or eChecking account will receive two (2) LA Rams home game tickets based on availability.
  • UNIFY membership eligibility and qualification required. Membership requirements include establishing a membership savings of at least $5.
  • Minimum opening deposit of $25 required for FREE Checking or eChecking.
  • Offer does not apply to subsequent or multiple checking accounts
  • . Account holder will receive a code from UNIFY to provide online to retrieve tickets electronically.
  • Limit one pair of tickets per member, account holder responsible for all applicable taxes.
  • UNIFY employees, volunteers and family members not eligible.
  • All bank account bonuses are treated as income/interest and as such you have to pay taxes on them

Avoiding Fees

Monthly Fees

The free checking account has no monthly fees to worry about

Early Account Termination Fee

I wasn’t able to find a fee schedule so I’m unsure if there is any early account termination fee or not.

Our Verdict

Deals that seem to be nationwide that shouldn’t really be usually end poorly if I’m being completely honest. This isn’t the biggest bonus to begin with so for most people it won’t be worth it.  If anybody decides to sign up, please share your experiences in the comments below. I will likely add this to the best checking sign up bonuses.

Useful posts regarding bank bonuses:



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CC funding: Mastercard, Visa, Discover. Defaults to $25. Will let you type in any amount, but message pops up ” Amount must be equal to $25.00 .”

Only $25 CC Funding

Opened for 4 people. 2 approved, 2 pending. The 2 pending i used citi aa business card. Wouldnt recommend that. 2 instant approvals were chase freedom and citi aa personal to fund.

although i show it as pending transaction. could be coincidence.

Live chat agent confirmed it’s available nationwide

Dan - Legal Bank Robber
Dan - Legal Bank Robber

Applied w/o out of state ID said I don’t qualify for checking offered me dumb savings account. Looks like it’s not nationwide.

Edit:
I got an email and it was due to Chex

Would you care to share how many Chex inquires you have had in the past year and/or 6 months?

Dan - Legal Bank Robber
Dan - Legal Bank Robber

Around 50 in the last 9 months

Thanks for sharing! I’ll add any datapoints if I apply as well.

$25 cc funding , application submitted

Declined unable to verify Id even after submitting DL proof

live chat agent confirmed it’s nationwide

Applied and approved, $25 Citi AA funding, from CA
wondering how to get the Rams tickets

They precheck the box opting you in to overdraft and don’t let you de-select it. Sleazy!

Yeah that was weird-overdraft should be optional

is this a guaranteed hard pull on your credit then? can anyone confirm? ive heard opting into overdraft is typically an HP

AlarmingConsequence
AlarmingConsequence

Good question. Did you find an answer to this? I’d like to know too.

“Receive one (1) $100 bonus into your checking account by establishing a recurring ACH Direct Deposit of at least $500 aggregate each month.”

Does that mean 3 separate monthly direct deposits are needed?

Yes, at least $500 each month.

so do you have to make direct deposits totaling $500 per month for 3 months? or just one $500 dd will trigger the bonus if done within 90 days? im not clear on how the terms read to fulfill the bonus requireement

It doesn’t matter – could be one single $500+ DD or multiple totaling $500, per month.

just a one time $501 DD will do the trick? or you have to have a total of $500 DD per month for multiple months?

Was anyone able to enter online banking after getting approved?

After approval, went to their website, signed up as a New User, and was able to successfully login. You’ll need your Member Number to sign up for eBanking.

Where did you find your member number?

You should be able to find it on the Application Website, after you log in. It’s under “Other documents” (or was it “Other information”?). Again, it’s the Application Website and not the Online Banking Website.

It’s also part of your Checking/ Savings Account Number.

Got it! Thanks.

whats the link to the application website? after you login to what?

i was approved for the checking and savings right now via emails and dont see any links or numbers provided on how to get my member number to enroll in online banking

In one of the emails from Unify FCU, you should see a link labelled: “access your application”. The link leads you to https://openaccount.unifyfcu.com/oflows/web/login.seam.

what part of the checking/savings account number is it? i have both my numbers and the member number says to remove preceeding zeros but it doesnt work for mewhen i do that

I never saw this fully answered. The member # is SOME of the numbers in both your checking and savings account numbers. You have to see what numbers in both are exactly the same. Then use those as your member number when enrolling in online banking.

sorry for the stupid question, but I’m new to bank bonus if I use a debit card from chase to fund it are there any fees?

Should be $0 fee with Debit Cards.

Just approved; in PA. Hoping to snag some Eagles tx!

Link fir the tickets game yesterday but I found today in my junk email. Got my 2 eagles tickets!

Submitted application initially went “Under Review”, approved a couple of days later. Planning to try various DD methods in the next 3 months to see if they trigger the bonus.

Update: Received bonuses on both accounts after the first statement. Used a combination of $500+ ACH deposits form Chase, Discover, Wells Fargo and Serve (Amex Debit). Can’t tell which one triggered the bonus but none of them were actual payroll deposits.

@amz amz, I’d be interested if you could check to see if they all coded as PPD and not P2P? I found Alliant and Chase coded as PPD, but Discover was P2P. I didn’t try Wells Fargo or Serve. How did they code?

Chase: Deposit ACH JPMorgan Chase/TYPE: Ext Trnsfr ID: ***** CO: JPMorgan Chase Entry Class Code: PPDACH

Wells Fargo: Deposit ACH WELLS FARGO IFI/TYPE: DDA TO DDA ID: INTFITRVOS CO: WELLS FARGO IFI Entry Class Code: PPDACH

Discover (probably): Deposit ACH ****/TYPE: P2P ID: 1770527921 CO: **** Entry Class Code: WEBACH

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