Score $100 Just for Opening a Checking Account with UHFCU

If you live in Hawaii and are looking for an easy way to pad your wallet, University of Hawaii Federal Credit Union has a straightforward offer that might be right up your alley. They're giving away $100 Visa Reward Cards to new members who open a checking account and complete a few simple steps. The best part? No direct deposit is required, and there are no monthly fees to worry about.

What You Need to Do to Get the $100

The process is pretty painless. First, you'll need to be eligible for membership at UHFCU. That's open to anyone affiliated with the University of Hawaii system—faculty, staff, students, and alumni—plus folks connected to certain select employee groups (SEGs). If you're not sure, check their membership page.

Once you're in, head over to referlive.com/uhfcuoffers and use the offer code SCORE100 to register. Then open a new UHFCU checking account. Within 60 days of opening, you need to make five debit card purchases that add up to at least $50 total. That's it—no minimum per transaction, just five swipes or taps. Also, make sure you enroll in eStatements during that same window.

After you've met those conditions, UHFCU will send you a $100 Visa Reward Card in the mail. Expect it to arrive in 4 to 6 weeks. Just keep in mind that the bonus is considered taxable income, so you'll get a 1099-INT form come tax time.

A Few Things to Watch Out For

This offer is only for new UHFCU members. If you already have an account with them, you're not eligible for this particular bonus—but they do have a referral program you can ask about. Also, you must be at least 18 years old and have a Social Security number on file.

One detail that's easy to miss: you need to open the checking account within 90 days of establishing your membership. So don't wait too long after joining to open the account. And remember, only one reward per household, and it can't be combined with any other promotions.

The offer runs through December 31, 2026, so you've got plenty of time. But if you're interested, it's smart to act sooner rather than later—terms can change.

Bottom Line

• No monthly fees and no direct deposit requirement make this a low-hassle bonus.
• You need to be a new UHFCU member and open a checking within 90 days of joining.
• Complete 5 debit purchases totaling $50+ and enroll in eStatements within 60 days.
• The $100 Visa Reward Card is taxable and will be reported on a 1099-INT.

Common Questions