Posted by William Charles on October 21, 2017
Bank Account Bonuses

Published on October 21st, 2017 | by William Charles

64

[Expired] [OR & WA only] Unitus Community Credit Union $200

This checking bonus has expired and is no longer available. Click here for a list of the best checking bonuses.

Reposting because the bonus is now live, we know it’s a soft pull and it’s also available those in WA as well.

Offer at a glance

  • Maximum bonus amount: $200
  • Availability: OR & WA only
  • Direct deposit required: Yes, $500+
  • Additional requirements: See below
  • Hard/soft pull: Soft pull
  • ChexSystems: Unknown
  • Credit card funding: Up to $750
  • Monthly fees: None
  • Early account termination fee: None
  • Household limit: One
  • Expiration date: December 31st, 2017

The Offer

Direct link to offer

  • Open a new Unitus Checking Account and receive a bonus of $200 when you meet the following requirements:
    • Use promo code #get200
    • Sign up for eStatements
    • Receive a direct deposit of at least $500
    • Complete one debit card transaction

The Fine Print

  • Please enter promo code #get200 if submitting online application to qualify.
  • We will deposit the $200 to your consumer checking account within 120 days of the opening of the account when all steps are completed within 90 days.
  • Minimum deposit of $50 is required to open an account plus a $10 one-time membership fee.
  • Account must be open and in good standing for payment. $200 offer valid only between October 23 and December 31, 2017; however, Unitus may discontinue the promotion at any time.
  • Must be 18 years or older. Employees ineligible to participate.
  • Any Automated Clearing House (ACH) deposit of at least $500 will qualify as a direct deposit.
  • Limit one #get200 entry per household
  • All bank account bonuses are treated as income/interest and as such you have to pay taxes on them

Avoiding Fees

There is a $10 membership fee that is not avoidable. This account has no monthly fees to worry about. I didn’t find any mention of any early account termination fee in the fee schedule.

Our Verdict

Pretty good bonus, no monthly fees to worry about and pretty easy to hit the bonus requirements. Upside is that you can fund a little bit with a credit card as well. I’ve added it to the best checking bonuses.

Useful posts regarding bank bonuses:



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PG
PG

Wow, first ever OR only offer I’ve seen here. Better wait a couple days before applying:

$200 offer valid only between October 23 and December 31, 2017; however, Unitus may discontinue the promotion at any time.

prussiablue
prussiablue

How about for existing member… should I close first then reopen lol

Curmudgeon
Curmudgeon

Looks like it’s open to anyone in Washington state as well.

Jeff G
Jeff G

Where do you see that?

Curmudgeon
Curmudgeon

Click on the link above, then JOIN on the right side.

Brings up this page: https://www.unitusccu.com/join-unitus/

“You’re eligible if you or a family member* live or work in the State of Washington**, or one of the following Oregon counties:”

Jeff G
Jeff G

Excellent, thanks!

ComgestionCharge
ComgestionCharge

Your bullet point says it requires a $200+ DD but the terms say $500* DD.

Paul
Paul

I just signed up for it. Their page said they would contact me. Waiting game now.

DW
DW

Paul, did it trigger a hard pull? Thanks

Paul
Paul

I feel like a noob asking this, but what’s the best way to check that ?

Foodie_lover
Foodie_lover

Check your credit report for all three bureaus and see if there’s a hard pull.

DW
DW

Credit Karma is pretty good and it’s free. It will tell you if you have pulls from Transunion and Equifax.

Paul
Paul

Looked it up. No hard pull triggered on my Equifax or Transunion.

Danus
Danus

Please let us know if Unitus requires anything like a mailed in signature card, etc. or other verification. I am an Oregon resident, but traveling out of the country for the next few months. I want so badly to pull the trigger on this bank bonus, but I just need some confirmation that I don’t need to mail anything in or anything like a utility bill, etc. Thanks!

Paul
Paul

Just checked all three. There were not any hard pulls on my credit report.

Dan
Dan

I’m from Oregon, but residing overseas for the next 6 months or so. I wonder if I could sign up for this?
Anyone know.. if.. Unitus requires
– a signature card mailed in?
– any utility bills, etc. (currently don’t have any?)
– or visiting a branch in person?
If I can just open this online with my Oregon address and Oregon I.D that will be sweet. But also worry about risking it and getting told to mail in a signature card, visit a branch while I’m overseas. Thanks!

Superchurn
Superchurn

Dan, the signature card issue can be mitigated by mailing it to someone u know in OR, and having them drop it in the mail so it gets the right OR poststamp

I’ve used this strategy before successfully

Dan
Dan

That’s interesting.. but it wouldn’t work mailing it from the Philippines to the U.S for two reasons.. 1) Mail here gets stolen all the time for no reason.. 2) the cost to mail even a letter to the U.S add too much cost to it mitigating the bonus incentive worth.

However, if there’s no signature card? required for Unitus.. just want anyone to share a datapoint on this? then I will be happy to open an account. 🙂

Superchurn
Superchurn

they did have a signature card, yeah. i signed mine in the branch when they called me in to verify my ID.

you might be able to scan it and email it in though

Superchurn
Superchurn

hell yeah! I’ve been waiting to milk Unitus…this is the first promo i’ve seen for them, so I’ll definitely be jumping on this one.

i’m at 22 accounts this year, and I feel like its now my duty to maximize accounts in the remaining months

Superchurn
Superchurn

Does anyone know if they are Chex sensitive?

https://www.doctorofcredit.com/banks-credit-unions-chexsystems-inquiry-sensitive/ has no entries for Unitus

Jesse
Jesse

Going to try this one as my employer’s main address is in WA! Worked with Gesa Credit Union’s bonus.

Yosh
Yosh

How do they verify that it’s your family member residing in OR or WA?

jack
jack

Does anyone know what counts as “direct deposit?” As soon as anyone here tries doing ACH pushes, please add your datapoints (for those who already opened an account over the last few days). I don’t currently have a legitimate DD to use.

Superchurn
Superchurn

the fine print says that any ACH will count

Sean
Sean

OK, I just opened my account with them – looks like all new accounts are reviewed internally by the “online sales department”, they said they would contact me shortly.

1. you must open a savings account as well as checking – no fees, $5 minimum opening deposit
2. Up to $750 total credit card funding (including the $10 membership fee, between checking/savings)
3. Checking minimum $50 funding
4. Didn’t have a hard pull for me
5. I funded with my BOA Merrill, not showing up as pending yet, so not sure on CA/purchase status. Probably will show up after the internal review

-OR resident
-about 10 new checking accounts in last 12mo

Jay A
Jay A

Confirming Sean’s DP. Application completed and waiting for review email. Says I’ll be contacted soon.

Tim
Tim

Will be curious to hear what their review e-mail contains and what else is required. Thanks for any info!

Jay A
Jay A

DP update: I applied 10/23 and the next day was asked via email to provide my work phone number (somehow missed that in the app) and a picture of my drivers license. Provided that info 10/25 and 10/26 received an approval and online logins to view my account. Done deal.

Only 4 accounts in the last 12 months for me so probably not a good DP for Chex

Superchurn
Superchurn

good to know. the $750 CC funding ads an extra $15 to sweeten the deal. and no HP is excellent news. I’ll apply tonight to confirm no HP.

Sean
Sean

An update to my comment; I got a message from them a couple hours later:

“Thank you for your interest in joining Unitus Community Credit Union. We have reviewed your application; however, we did not receive all of the necessary information to open an account. We can continue the application process in person at any Unitus branch. Within the next 30 days, please bring:

-Your driver’s license or government-issued ID, like a passport or military identification
-A second piece of ID, like a vehicle registration or a signed credit/debit card with your name imprinted on the front.

If your government-issued ID does not have your current, physical residential address, you will also need to provide a utility bill (electricity, gas, water) with your name and current address.

If you are not able to bring these items within the next 30 days, you may need to reapply for membership.

Should you have any questions, please let us know.

Thank you for choosing Unitus!”

I’ll be going in-branch on Thursday to finish it up.

Ted
Ted

I’d be curious to hear what the problem was with applying online.

I’m planning to apply online. I’m an Oregon resident, but currently traveling overseas for the next few months. So if they require me to go into a branch then I’m out of luck. :p

Superchurn
Superchurn

I got this too

Bub
Bub

Says I need to print sign and mail application

Superchurn
Superchurn

same here

Superchurn
Superchurn

DP:

Very weird application process…It doesn’t really confirm or deny they’ve opened an account for you or not. Like Bub, it eventually kicked me out to a page where you can print an application that’s prefilled with your information.

Even though I selected the Checking account option, it seemed to forget that was selected and the pre-filled application form only shows “Prime Share” as being checked…so strange

I funded for $750 with CitiDC set to $0 CA limit, so we’ll see if that goes through or not. I might end up in the same boat as Sean and have to go into the branch to sort it out.

Here’s hoping it works out

Superchurn
Superchurn

Should add that I’m in Oregon, and have 23 accounts in the last 12 months

Nate
Nate

It doesn’t allow me to select the checking account at all. After clicking on “select Unitus Checking”, nothing happens to the “SELECTED ACCOUNTS” box. Their website doesn’t work very well.

Nate
Nate

Nvm I clicked on the wrong link.

Foodie_lover
Foodie_lover

I have exactly the same experience with you.
First they sent me a message saying I need to open a saving account as well.
After I replied, there is a second message saying I need to bring in government ID, utility bills with my name and current address, etc.
It also shows that my account is not primary instead of secondary…

The whole process is pretty confusing.

Superchurn
Superchurn

Agreed

Gab
Gab

Usually, it’s when you show up in person.. that’s when they grill you about “oh, we see you’ve opened 5 accounts in the last year.. look at all these ChexSystem requests..” and sometimes deny you or often make you feel so awkward sitting there. That’s why I really hate having to go down in person to finish opening. :/

Superchurn
Superchurn

yeah, it’s frustrating for sure. my go-to excuse for lots of accounts is me testing out online banking software since i’m very picky and need to find something i like

Superchurn
Superchurn

DP

after going into the branch today to verify my ID, they said my $750 CC fund online wouldn’t go through, and they could do it as a cash advance in branch.

So beware, online funding will fall through if they call u into the branch, and in-branch minimum funding is $50 for checkin and $5 for CU Share accoubt, so bring cash with u

Superchurn
Superchurn

forgot to include a couple things

the rep said that the DD can be done incrementally, so long as it adds up to $500 within 90 days

they also said it will post (for an account opened on 10/25) on 12/1/17, so won’t necessarily take 90 days to post

Foodie_lover
Foodie_lover

Thank you for the detailed info!

Superchurn
Superchurn

no prob 🙂

Janet
Janet

Just wondering if anyone who tried opening the account online was able to fully open / start using the account WITHOUT having to go into a branch? The nearest branch is very far from where I am in Oregon.

Superchurn
Superchurn

You might be able to open it over the phone in that case. They seemed very reasonable when I was in the branch, so that might be your best option.

Jay A
Jay A

Yes.

I applied 10/23 and the next day was asked via email to provide my work phone number (somehow missed that in the app) and a picture of my drivers license. Provided that info 10/25 and today received an approval and online logins to view my account.

Roger
Roger

Unitus is telling me they need some documentation (driver’s license, proof of residence) and that I must take it into a branch, that I cannot submit them digitally. Boo.

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