A+ Federal Credit Union's Texas-Only Bonus: Is $100 Worth the Hoops?

If you're in Texas and looking for a straightforward bank bonus, A+ Federal Credit Union has an offer that might catch your eye. It's not the biggest bonus out there, but for a regional credit union, a free $100 for switching your direct deposit is nothing to sneeze at. Let's break down exactly what you need to do to get it, and more importantly, whether it's a good fit for your banking needs.

How the Bonus Actually Works

This isn't a single lump sum. The $100 is split into two payments, which is pretty common but important to understand so you're not waiting around wondering where your full bonus is.

First, you'll get $25 deposited into your new savings account just for opening the two required accounts. The remaining $75 lands in that same savings account after you complete the direct deposit requirement. That deposit should show up about a week after your qualifying payroll hits the checking account.

The Fine Print You Really Need to Read

The devil is always in the details with bank bonuses. Here are the specific hurdles and potential tripwires for this offer.

• **It's a hard pull.** Opening these accounts will trigger a hard inquiry on your credit report. If you're applying for a mortgage or car loan soon, factor this in.
• **The direct deposit is specific.** It must be a *payroll* direct deposit from your employer. Other types of transfers, like Venmo or bank-to-bank ACH, typically don't count. The $800 total can be from one deposit or multiple, but they must all land within a 30-day window.
• **You're locked in for six months.** Close either account before 180 days are up, and they'll take the bonus back. Make sure you're okay with keeping the accounts open for that long.
• **One per household.** If someone else at your address has already claimed this bonus, you're out of luck.
• **No existing members allowed.** This is strictly for brand-new customers of the credit union.

Is This a Good Deal For You?

A hundred bucks is a hundred bucks, but your time and effort have value too. This offer makes the most sense for a specific person.

Consider it if: You live in Central Texas (where their 22 branches are), you were already thinking of switching to a local credit union, and your regular paycheck easily exceeds $800. The bonus is a nice welcome gift on top of that decision.

Think twice if: You're outside their service area, you're just chasing bonuses and don't want a long-term relationship, or your income is irregular. The requirement for a traditional payroll deposit is less flexible than some other offers.

Also, note that while the checking account has a fun cash-back feature (a few cents per debit transaction), the savings account rate is very low. Don't open this hoping to grow your savings—it's purely for the bonus.

Steps to Claim Your $100

Ready to go for it? Here's your action plan to make sure you don't miss a step and forfeit the bonus.

• **Check your eligibility first.** Visit the credit union's membership page to see if you qualify through your job, where you live, or a family member. If not, you may need to make a $10 donation to their foundation.
• **Gather your info.** Have your Social Security Number, driver's license, and funding details ready (you need $2 to open the savings account).
• **Apply online or in-branch.** Wherever you apply, you **must** provide the promo code **2026SEG100**. No code, no bonus.
• **Set up direct deposit immediately.** Contact your HR or payroll department and switch your deposit to your new A+FCU checking account. Do this as soon as you get your account numbers.
• **Wait for the $25.** It should post quickly after account opening.
• **Verify the $800+ payroll deposit.** Once it hits, watch for the final $75 payment about a week later.
• **Mark your calendar.** Don't even think about closing the accounts until at least 181 days have passed.

Bottom Line

• A solid, regional bonus for Texans who can meet a specific payroll direct deposit requirement.
• Remember the two-part payout and the mandatory 6-month account hold to keep the money.
• Always use the required promo code during application—it's the key to unlocking the offer.

Common Questions