Snag a $100 Bonus from InRoads Credit Union – No Direct Deposit Needed!

If you're in Oregon and looking for a quick $100, InRoads Credit Union has a sweet deal for you. They're offering a $100 bonus just for opening a new checking account. No direct deposit needed, which is pretty rare these days. Let's break it down so you can decide if it's worth your time.

Who Can Join InRoads Credit Union?

To get this bonus, you first need to be eligible for membership. InRoads serves folks who live, work, worship, attend school, or volunteer in Clatsop, Columbia, Cowlitz, Multnomah, or Washington counties in Oregon. Immediate family of existing members also qualify. So if you're in the Portland area or along the coast, you're likely good to go.

Once you're a member, opening a checking account is the next step. The bonus is only for new members—existing InRoads members can't double-dip.

How to Actually Get the $100

The process is straightforward. Open a new qualifying checking account, make sure it stays open for 60 days, and keep a positive balance during that time. That's it. No direct deposit, no minimum balance requirements beyond being positive. After the 60 days, InRoads will deposit the $100 bonus into your account within 30 days.

One catch: the offer is non-transferable and limited to one per member. So you can't open multiple accounts to stack bonuses.

What About Fees?

The good news is there's no monthly maintenance fee on this checking account. No early termination fee either, so you can close the account after getting the bonus without penalty. Just double-check the fine print to be sure—sometimes fees can sneak in if you don't maintain certain conditions.

Also, InRoads doesn't list any specific fees for cash back or student checking, so it's pretty clean.

Things to Watch Out For

While the bonus is easy, InRoads isn't known for great savings or CD rates. If you're looking to park cash long-term, you might want to look elsewhere. Their checking account does earn interest, but it's not going to blow your socks off.

Also, membership eligibility is limited to specific Oregon counties. If you're outside that area, you're out of luck. And remember, this offer expires February 28, 2025, so don't sit on it too long.

• No direct deposit required, but you must keep the account open for 60 days with a positive balance.
• Only one bonus per member and not available to existing InRoads members.
• Check your eligibility before applying—membership is tied to specific counties in Oregon.

Bottom Line

• Earn $100 with no direct deposit needed—just open a checking account and keep it open for 60 days.
• No monthly fees or early termination penalties, making it a low-risk bonus.
• Limited to eligible Oregon residents in specific counties; offer ends February 28, 2025.

Common Questions