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Personal Bank Accounts

💵 Wings Credit Union — $300 Checking Bonus + $100 Referral (Stacks)

Promo window: 10/27/2025–12/31/2025 • Nationwide (via $5 donation) • Posts by: 03/13/2026

Earn $300 when you open Everyday Checking + Share Savings online using promo code WINGS25.

Bonus requirements (within 60 days)

  • Open both accounts online using promo code WINGS25
  • Fund accounts within 7 business days
  • Set up $3,000+ qualifying payroll direct deposits (ACH/PPD only; gig/self-employment income doesn’t count)
  • Enroll in Digital Banking and eDocuments
  • Make 5 debit or credit card purchases of $25+ each

New members only — no Wings CU membership or bonus in the past 12 months.

$100 referral bonus (stacks)

Register first, then apply with the same personal info.
Both sides get a $100 Visa eGift Card (total $400).

Additional notes

  • Credit card funding: up to $1,500
  • Credit pull: soft
  • ChexSystems: yes
  • Monthly fee: none
  • Early termination fee: none

🔔 HSBC Premier Checking — $1,500 or $2,500 Referral Bonus

Expires: 06/30/2026 • Nationwide

Apply: Apply here
(Referral code + referrer full name required — email me.)

Requirements

  1. Bring New Money within 30 days:
  2. $1,500 bonus: $100,000–$249,999.99
  3. $2,500 bonus: $250,000+
  4. Maintain qualifying balance for 3 full calendar months

Not eligible if you’ve ever had an HSBC US account.

Editor’s notes

  • Checking, savings, brokerage (ACAT ok), CDs all qualify
  • Open checking first, then add savings/brokerage/CDs
  • Premier Savings rate: 3.30% APY with $5k DD or $500 debit spend (DPs: $5k ACH may work)
  • Brokerage sweep options: HGDXX / HTDXX (state tax advantages)
  • Keep some balance in checking to avoid closure issues

💎 First Tech FCU — Up to $800 Bonus + $100 Referral (Stackable)

Public promo info: Promo details

1) $300 direct deposit bonus

  • $5,000+/month DD
  • 1 DD/month for 3 months

2) $300 balance growth bonus

  • $20,000+ new funds within 30 days
  • Maintain $20k+ average balance for 90 days (days 31–120)

3) $200 debit spending bonus

  • 5% cash back, up to $200
  • $4,000 debit spend within 30 days
    (DPs: Cash App loads may work)

Ongoing: 3.00% APY on Rewards Savings

  • $1,000 debit/credit spend
  • $1,000 ACH to checking
  • Paperless statements

Stack with $100 referral — correct order

Referral requirements: - Apply via referral link and open checking - $250 external deposit - Maintain $250 balance for 30 more days

Referral link (use for checking):
Apply via referral link

🏦 Municipal Credit Union (MCU) — Up to $350 + $25 Referral

Promo window: 10/09/2025–12/31/2025

$150–$350 checking bonus

Deposit and maintain for 60 days:

Balance Bonus
$1,500 $150
$2,500 $250
$5,000 $350

No DD or debit required. Soft pull Experian; Chex pulled.

$25 referral bonus

Register before opening (some DPs: within ~1 day may still work).
Referral: Referral link
Public page: Promo page

⭐ Christian Community Credit Union (CCCU) — $200 Bonus + $50 Referral

Nationwide • Expires: 11/30/2025

$200 bonus + 5.00% APY (up to $5k)

  • Open Harvest Checking + Savings
  • Online banking + eStatements
  • Debit card activation
  • $500/month deposits into checking (first 60 days)
  • Maintain $5,000 in savings

$50 referral

Account open 60+ days → $50 Visa eGift Card.

Notes: Chex used, no hard pull; $500 CC funding allowed; privately insured.

🎁 Ally — $100 Referral Bonus (Checking or Savings)

Expires: 12/31/2025

Referral: Apply via referral link

Checking

  • Fund within 30 days
  • Real payroll/government DD within 60 days

Savings

  • Monthly automated transfer
  • 3 consecutive months

New customers only. No stacking with portals.

💸 Raisin — Tiered Bonus Up to $1,000

Apply: Raisin
Referral code: zhishanw062956

Deposit Bonus
$10k–$24,999 $75
$25k–$49,999 $250
$50k–$99,999 $500
$100k+ $1,000

Maintain balance 180 days.

🏆 Patelco — $200 Referral Bonus

Expires: 10/31/2025

Apply: Apply here
Referral code: R8N4HTQL

Requirements

  • $100: Checking + eStatements + $500 DD × 2 months
  • $50: Money Market
  • $50: RoundUp

DP: Chex freeze may fail ID; thaw & retry works.

💳 FutureCard — $15 Bonus (No Chex / No Credit Check)

Referral: Sign up here

Steps: 1. Sign up (mobile) 2. Load $50 and spend $50 3. $15 posts

⭐ Varo Money — $100 Referral Bonus

Referral: Sign up here

Requirement: - $500+ DD within 45 days
Both sides get $100.

🎉 OnPath FCU — $150 Bonus

Register first: Register here

Requirements: - Open High Yield Checking (7% APY) - 15 debit purchases ($10+) - $250+ DD

Nationwide via $5 donation.

💎 PSECU — $300 Bonus

Promo: 01/01/2025–12/31/2025

Apply: Apply here
Promo code: 300REFER

  • Open savings + checking + debit
  • Enroll digital banking
  • 2 × $500 DDs

Bonus after ~100–145 days.

🧧 On Tap Credit Union — $150 Bonus

Referral: Apply via referral

Terms changing; details to be updated.
Older terms: $500 DD + 10 debit tx + 6 months maintenance.

✨ Premier Member Credit Union — $50 Referral

Apply: Apply here
Referral code: VFVJPQRVS

Money market referral; checking promos run separately at times.

💵 KeyPoint Credit Union — $300 Checking Bonus

Apply: Apply here
Promo code: RAF25

  • $1,000 monthly DD
  • 6 consecutive months
  • Pays $50/month

🟣 Chime via InboxDollars — $525 Bonus

Expires: 02/28/2025

  1. Create InboxDollars account
  2. Find Chime $525 offer
  3. 2 × $200+ payroll DDs

🔷 Delta Community Credit Union — $50 Referral

Apply: Apply here - Fund $50 - 10 debit tx in 60 days

💰 OnePay

TBD

Personal Accounts (Geo-Restricted)

⭐ CU of the Rockies — $50 / $100 Bonus (CO-only)

Referral by email.
Includes Giddy-up Money Market (reported 52.8% APY on $500).

💰 Commerce Bank — Up to $700 Bonus + $200 Referral

Referral registration: Register here
(DPs: referral stacks.)

🏆 Central Bank — $300 Bonus (OK, IL, KS, MO, CO)

  • $50 opening deposit
  • 2 × $250 DDs within 90 days