Offer Details
Written by: RJ
Requirements
- Open a new checking account – one data point of a reported Experian hard pull
- Direct deposit $1k for 3 consecutive months
- Must be complete within 120 days of opening
Eligibility
- Nationwide
- Join Financial Fitness Association – $8 one-time fee, the CU may cover this
- Can’t have been a member of First Tech in the last 18 months
Fees
- Rewards checking is fee free
Account Closure
- No closure rules listed
Valid Through 8/31/24
Thoughts
I did this in 2021. At the time the direct deposits had to come from a specific employer. Not sure if that’s still the case. It was tech focused so I was using my Google deposit from YouTube ads. They’re also bumped the bonus up by $50 since then and added the $150 for the debit card spend.
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Do they use Chex? my application is pending.
Do you have to complete the debit card transactions as well as the 3 direct deposits?
Anyhting definative about the 20 qualifying transactions for $500 in monthly spend? I was on the hpone with someone from the bank and they said it was required but a few posts on doctor said it was not required for the $300 but was required only for the 5% APY.
How do you know if the credit union will cover the financial fitness association dues? Do you have to keep the FFA membership to stay a credit union customer?
They usually specify who’s responsible for payment. I’ve never stayed longer than needed so it hasn’t been an issue. I don’t believe they’d charge you again for membership.
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RJ,
T&C: Direct deposit $1k within 60 days of account opening and maintain it for a total of 3 consecutive months
“maintain” : Can we withdraw the money after DD?
I can word it better. They mean maintain the direct deposits for three full months. You don’t have to leave the money in the account. Here’s the official wording from the offer page: Initial direct deposit must take place within 60 calendar days of Enrollment. At least three recurring direct deposits must be completed within 120 calendar days of Enrollment and direct deposit must be maintained for 120 calendar days after Enrollment.
Apologies for the confusion