Offer Details
Written by: RJ
Requirements
- Open a new checking account
- Complete a direct deposit for 3 consecutive months
- $1k/month = $50
- $5k/month = $300
- Deposit the following amounts into a checking or savings account within 30 days of enrollment. Maintain balance for 90 days (starting at day 31)
- $10k = $150
- $20k = $300
- Debit card will earn 5x cash back up to $200 ($4k in spend) through the first 30 days of enrollment.
Eligibility
- Nationwide
- Join Financial Fitness Association – $8 one-time fee, the CU may cover this
- Members who have received a promotional payout for a First Tech direct deposit campaign within the past 18 months are not eligible
Fees
- Rewards checking is fee free
Account Closure
- No closure rules listed
Valid Through: No end date listed
Thoughts
There’s a line in the terms about being sent a link to enroll “Participant will be enrolled in the promotion by clicking the provided link within 45 days of receiving this email notification (“Enrollment”).” Not sure how that will work. This is a public page and I don’t think it’s targeted.
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Editorial Note:
Opinions expressed here are the author’s alone, not those of any bank, credit card issuer, airlines or hotel chain, vendors or companies, and have not been reviewed, approved, or otherwise endorsed by any of these entities.
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