[WA, ID & OR only] BECU $400 Checking Bonus

Offer at a glance

Maximum bonus amount: $400
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: Dec. 27, 2025

Contents

1 The Offer
2 The Fine Print
3 Avoiding Fees
- 3.1 Monthly Fees
- 3.2 Early Account Termination Fee
4 Our Verdict

The Offer

Direct link to offer

BECU is offering a $400 bonus when you open a new Member Advantage Savings and Checking account and complete the following requirements:
- Use promo code CKG400Q425
- Make a direct deposit(s) of $250 or more in the first 60 days of membership.
- Complete 30+ debit purchases in the first 60 days of membership. Qualifying transactions do not include refunds or ATM transactions, and all transactions must be completed within the first 60 days of account opening, not pending.
- Keep account open for 90 days

The Fine Print

For new BECU members only, age 18 and older. This offer is available to the addressed person only and is nontransferable. Only one New Account promotional incentive allowed per household. This promotion code is good for one-time use. You may only receive one $400 New Account promotion incentive for the life of your BECU membership but may qualify for other promotions offered by BECU after establishing your membership. Offer not available to existing BECU members, or to those whose accounts have been closed within 90 days, or accounts closed with a negative balance. You must be within BECU’s field of membership and be eligible to open and maintain membership; not everyone will qualify. Only the Primary account holder/addressee of our mailing qualifies for the promotion incentive.
You must:
- Open a Member Advantage Savings account, to establish membership, and a new Member Advantage Checking account by 12/27/2025. Member Advantage accounts must remain open, in Member Advantage status and in good standing for at least 90 days and until incentive promotion payout. To retain status, you must set up eStatements and conduct one monetary transaction each month, by:
  - Debit MasterCard – Point of sale PIN or signature purchase (excludes ATM transactions).*
    - Can be in person, online or over the phone.
  - Online/Mobile or Telephone Banking – Make BECU loan or credit card payments, or transfer funds between BECU accounts.*
  - Direct Deposit – must deposit to the Member Advantage Checking account.
    *Analyzed at the person level. Qualifying monetary transaction must occur in an account that shares the same tax owner as the Member Advantage accounts.
- Conduct at least 30 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 refunds or ATM transactions.
- Set up direct deposit(s) of $250 or more to your new BECU 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 ZelleR) are not considered a direct deposit.
All bank account bonuses are treated as income/interest and as such you have to pay taxes on them