Score a $150 Bonus with First Community Credit Union's Kasasa Checking – Here's How

If you live in Minnesota or North Dakota and have been thinking about switching checking accounts, now might be the perfect time. First Community Credit Union is offering a solid $150 bonus for new members who open a Kasasa checking account and meet a few straightforward requirements. The best part? There are no monthly fees, and you can even earn ongoing rewards like cash back or competitive interest. Let's break down exactly what you need to do to pocket that bonus.

What Makes This Offer Stand Out?

First Community Credit Union isn't just dangling a one-time bonus. Their Kasasa checking accounts come with ongoing perks that can keep putting money in your pocket. You have two choices: Kasasa Cash, which earns 2.50% APY on balances up to $25,000 when you meet monthly qualifications, or Kasasa Cash Back, which gives you 3% cash back on up to $250 in debit card purchases each month. Both options also include refunds on ATM fees nationwide (up to $25 per month, with some limits on individual fees).

And since this is a credit union, you're not just a customer – you're a member-owner. That often means better rates and lower fees compared to big banks.

How to Qualify for the $150 Bonus

The process is pretty simple, but you need to follow the rules carefully to make sure you get paid. Here's the step-by-step:

• Open a new Kasasa Cash or Kasasa Cash Back checking account using promo code KC150.
• Within 90 days of opening, have at least $1,000 in qualifying direct deposits hit your account. These are electronic deposits from your employer, pension, or government benefits like Social Security. Transfers from other accounts, mobile check deposits, Zelle payments, or branch/ATM deposits do not count.
• Keep your account open and in good standing – the bonus will be deposited within 120 days after you meet the requirements.

A Few Things to Watch Out For

First, make sure you actually qualify for membership. FCCU serves people who live or work in certain areas of North Dakota and Minnesota, plus immediate family of existing members. Check their membership page to see if you're eligible before you apply.

Second, this offer is limited to one bonus per household, and you can't combine it with other promotions. Also, FCCU employees are not eligible.

Finally, remember that the bonus is taxable income. You'll likely receive a 1099-INT from the credit union, so set aside some of that cash for tax time.

Is It Worth It?

Absolutely, if you're in the service area and can easily set up direct deposit. The $150 bonus is a nice chunk of change, and the ongoing rewards from Kasasa accounts can add up over time. Plus, with no monthly fees, there's no downside to keeping the account open long-term. Just be sure to meet the monthly qualification requirements (12 debit card purchases, eStatements, and online login) to unlock the best rates and cash back.

Bottom Line

• Open a Kasasa checking with promo code KC150 and deposit $1,000+ via direct deposit within 90 days to earn $150.
• Offer runs through September 30, 2026 – available in MN and ND with membership eligibility.
• No monthly fees, and you can earn 2.50% APY or 3% cash back each month if you meet simple requirements.

Common Questions