A Virginia-Only Deal: Argent Credit Union's $100 Checking Bonus

Hey folks, looking for a straightforward bank bonus without a ton of hoops? If you're in Virginia, Argent Credit Union has a promotion that might catch your eye. It's a simple $100 for opening a checking account and meeting a direct deposit requirement. Let's break down what this offer entails, who can get it, and what you should consider before applying.

Who Can Actually Get This Bonus?

This isn't a nationwide offer. Argent Credit Union serves a specific community, which is common for credit unions. You need a qualifying connection to a handful of counties in central Virginia. Before you get excited about the $100, double-check that you meet the membership criteria. The easiest way is to use their online eligibility tool or call a branch.

The Nitty-Gritty on Earning Your $100

The requirement itself is clear: open a new checking account that comes with a debit card, and then arrange for at least $500 to be deposited via direct deposit each month for three months in a row. After you've satisfied that for the full 90-day period, the $100 bonus should land in your account.

• You must use the debit card at least once to activate it, as it's a required part of the account.
• The direct deposit needs to be recurring—three separate deposits meeting the $500 minimum each.
• Plan your timing. If you open the account in late March, you'll need to ensure your direct deposits run through April, May, and June to qualify before the offer ends.

Practical Advice & Potential Pitfalls

While the offer seems simple, a few unknowns could trip you up. Here's what to watch for and how to protect yourself.

• **Credit Check Mystery:** It's not specified if opening this account triggers a 'hard' or 'soft' credit inquiry. A hard pull can slightly ding your credit score. If you're concerned, ask a representative directly before applying.
• **Funding Questions:** We don't know if you can fund the initial deposit with a credit card. Assume you'll need to use a transfer from another bank account or a check.
• **Read the Fine Print:** Always, always get the official offer terms before you apply. Look for any mention of early closure fees or conditions that could cause the bonus to be revoked.
• **Document Everything:** Keep screenshots of the offer details when you apply and records of your direct deposits. This is your evidence if there's any issue with receiving the bonus.

Bottom Line

• A solid, low-effort $100 bonus if you're in the service area and already use direct deposit.
• The three-month requirement gives you plenty of time to meet the terms without rushing.
• The lack of a monthly fee is a big plus, making it easy to keep the account open afterward if you choose.

Common Questions