Score $300 from First US Community Credit Union – But Act Fast

If you live in California and have been thinking about switching banks, here's a solid reason to make the move. First US Community Credit Union is offering a $300 cash bonus when you open a new Better Than Free Checking account and set up a direct deposit. The offer runs through December 31, 2026, so there's plenty of time, but you'll need to meet a few straightforward requirements to lock in that extra cash.

What You Need to Do to Get the $300

The process is pretty simple. First, you'll need to open a new Better Than Free Checking account. You can do this online, over the phone, or by visiting a branch. Just make sure to use promo code BTF300 when you apply.

After the account is open, set up a direct deposit of at least $500 within 90 days. That could be your paycheck, a government benefit, or a pension. Once the direct deposit hits and is verified, the credit union will deposit the $300 bonus into your account. They mention it can take up to four weeks after verification, so don't panic if it doesn't show up immediately.

One important thing: transfers from services like Zelle, Venmo, or account-to-account pushes don't count. It has to be a true direct deposit from an employer or other qualifying source.

A Few Things to Keep in Mind

Before you jump in, there are a couple of gotchas worth noting. First, you need to qualify for membership at First US Community Credit Union. Typically, that means living, working, or worshiping in certain areas of California, or having a family member who's already a member. Check their eligibility page or call to confirm you're good.

You'll also need to maintain a $25 balance in a Member Share (Savings) account – that's standard for credit unions. And this offer is limited to one per member, so if you already have a personal checking account with them, you're out of luck.

The bonus is considered interest for tax purposes, so you'll get a 1099-INT form come tax season. Also, the credit union can change or cancel the offer at any time, so it's smart to get your direct deposit set up quickly once you open the account.

Why This Account Might Be Worth Keeping

Even after you collect the bonus, the Better Than Free Checking account has some nice perks. There's no monthly fee as long as you use eStatements (or you're 60+), and no minimum balance requirement. You'll earn 1.00% APY on the first $500 in your account, which isn't huge but beats a lot of big banks.

You also get unlimited fee-free transactions at over 30,000 CO-OP ATMs, plus two automatic ATM surcharge rebates per month. And if you set up direct deposit, you can get paid up to two days early. The mobile app includes free credit score access, card management, and support for Zelle, Bill Pay, and external transfers.

Bottom Line

• Open a Better Than Free Checking account with promo code BTF300.
• Deposit $500+ via direct deposit within 90 days.
• Bonus of $300 is deposited within about four weeks after verification.
• No monthly fees with eStatements; $0 minimum to open.
• Offer valid through Dec 31, 2026, for new members in California.

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