[WA, ID] Numerica Credit Union $300 Checking Bonus, Direct Deposit Not Required

Update 2/7/26: Bonus increased to $300. Hat tip to ShawntheShawn

Offer at a glance

• Maximum bonus amount: $200
• Availability:
  • I live, work, or worship in Washington state.
  • I live, work, or worship in North Idaho.
  • I’m related to or live with someone who is eligible.
• Direct deposit required: Yes, no minimum mentioned. Says recurring deposit rather than direct deposit
• Additional requirements: Use promo code
• Hard/soft pull: Soft pull
• ChexSystems: Unknown
• Credit card funding: Yes, $500+
• Monthly fees:
• Early account termination fee:
• Household limit:
• Expiration date:

The Offer

Direct link to offer

• Numerica Credit Union is offering a $300 bonus when you open a new checking account and complete the following requirements:
  • Use promo code MACQ0125
  • Complete one or both of the following:
    • Meet Bonus Checking account qualifiers for two consecutive monthly qualification cycles: (a) make 12 transactions of $5 or more that settle to your account using your Numerica Visa debit or credit card, and (b) receive your statements electronically (eStatements).
    • And/or make a minimum of one direct deposit per month for two consecutive months totaling $500 or more. Direct deposits need to be an electronic deposit of your paycheck, pension, or government benefits (such as Social Security) from your employer or the government. Person-to-person payments (PayPal, Venmo, Zelle, etc.) are not considered a direct deposit

The Fine Print

• *To receive the $200 bonus, you must:
  • (a) Open a Bonus Checking account by Dec. 31, 2024, using promo code MACQ0624.
  • (b) Set up a recurring deposit to your new Bonus Checking account within 30 days of account opening.
• The second instance of your recurring deposit activates the bonus. A $200 deposit will be made to your Bonus Checking account the day following the second deposit. Existing Numerica members do not qualify for the $200 bonus. You must qualify for membership. Limit one $200 bonus per individual (based on Social Security Number).
• 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 fees to worry about.

Early Account Termination Fee

I wasn’t able to find any early closure fee in the fee schedule.

Our Verdict

Looks like opening out of state does work, unclear if the bonus will pay out. Worth doing as no direct deposit is required, I suspect this will be shut down quickly if out of state does work though.

Hat tip to ShawntheShawn

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?
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• Banks That Allow/Don’t Allow Out Of State Checking Applications
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