[WA, ID & OR only] BECU $300 Checking Bonus + $600 Savings Bonus

Offer at a glance

Maximum bonus amount: $300 checking + $600 savings
Availability: Must be eligible to join CU (live, work or worshipping in Washington State qualifies you – more options here). Looks like it’s also available to some in Oregon as well. Idaho: Live, work, worship, or attend school in Benewah, Bonner, Boundary, Clearwater, Idaho, Kootenai, Latah, Lewis, Nez Perce or Shoshone county
Direct deposit required: Yes, $250+
Additional requirements: See below
Hard/soft pull: Soft
ChexSystems: Yes, sensitive
Credit card funding: Unknown
Monthly fees: None listed
Early account termination fee: None listed
Expiration date: 12/7/26

The Offer

Direct link to offer

BECU is offering up to $900 in bonuses. Must use promo code FALLCHK26
- Open a new Member Advantage Checking account and receive a $300 bonus when you complete the following requirements:
  - Set up one or more direct deposits of $250+ to your new member advantage checking account within 60 days of account opening
  - Conduct at least 20 posted debit purchase transactions from your Member Advantage Checking account within 60 days of account opening
- Open a new Member Advantage Savings account and receive a $600 bonus when you complete the following requirements:
  - Deposit $20,000 or more within 30 days of account opening
  - Maintain an average daily balance of $20,000+ for 90 days after the initial 30 day period

The Fine Print

For new BECU consumer members only, age 18 and older. Offer(s) valid only once per new member for the opening of a new Member Advantage Checking and Member Advantage Savings Account. The primary account holder is the member. If you take advantage of this promotional offer(s), you are not eligible for other New Account membership incentive offers but may qualify for other promotions offered by BECU after establishing your membership. Offer not available to existing BECU consumer members. You must be within BECU’s field of membership and be eligible to open and maintain membership; not everyone will qualify. Fiduciary, Zero-Dividend, HSA, IOLTA, Early Saver, and BECU employee accounts are not eligible to receive this promotional incentive. The Promo Code FALLCHK26 is required on the Member Advantage Savings account to be eligible for this offer. BECU is not required to pay the promotional incentive for accounts opened without this Promo Code.
Open a new Member Advantage Savings account to establish membership using Promo Code FALLCHK26 AND open a new Member Advantage Checking account by 12/7/26. It is possible for a member to qualify for the $600 offer without meeting the requirements for the $300 offer. You also must meet the following OFFER REQUIREMENTS.
Member Advantage Checking account $300 New Account Membership incentive:
- Set up one or more Direct Deposit(s) of $250 or more to your new Member Advantage Checking account to occur within 60 days of account opening. Your Direct Deposit must be an electronic deposit of your paycheck, pension, or government benefit(s) (such as Social Security) from your employer or the government. Person-to-person payments (such as Zelle®) are not considered a Direct Deposit. AND
- Conduct at least 20 posted debit purchase transactions from your Member Advantage Checking account within 60 days of account opening. Eligible debit purchase transactions include PIN or signature. Qualifying transactions do not include ATM transactions.
Member Advantage Savings account $600 New Account Membership incentive:
- Open a Member Advantage Savings account and maintain a minimum daily balance of $20,000 or more.Member Advantage Savings and Member Advantage Checking accounts must remain open and be in Member Advantage status at time of promotion payout.
- You have 30 days to reach a $20,000 savings balance. After 30 days, your balance must remain at or above $20,000 for an additional 90 days and until the promotional payout is issued. Qualified incentive offer(s) will be paid by day 150. Member Advantage Checking and Member Advantage Savings must be in good standing at time of payout.
  Member Advantage Savings and Member Advantage Checking requirements, benefits, and how to retain Member Advantage status are disclosed on the BECU Consumer Account Disclosure, which is provided at account opening and also available at BECU.org or in person at any of our locations.
  The New Account promotional incentive(s) will be deposited to your Member Advantage Checking account after satisfying the OFFER REQUIREMENTS detailed above.
  BECU will not deposit promotion incentive funds to accounts that haven’t met the OFFER REQUIREMENTS, to accounts no longer in Member Advantage status, to accounts not in good standing, or to closed accounts. The New Account promotional incentive is considered interest and will be reported on IRS form 1099-INT. Other terms, limitations, and conditions apply. Cannot be combined with any other New Account membership incentive offers. Check with BECU for the current Annual Percentage Yield (APY). BECU reserves the right to terminate this offer at any time.
All bank account bonuses are treated as income/interest and as such you have to pay taxes on them

Avoiding Fees

Monthly Fees

These accounts have no monthly fees

Early Account Termination Fee

I wasn’t able to find a fee schedule so unsure if there is any EATF.

Our Verdict

Checking bonus has been as high as $500 in the past so it might make sense to just wait for a bigger offer to return. If you put the $20,000 into an 5% earning account you’d earn ~$250 so the savings account might be worth considering. I don’t see any targeted language but it’s also possible I’m missing something?

Hat tip to Defaulting

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