Affinity Plus Credit Union $100 Checking Bonus

Update 1/17/26: Bonus is back but only for $100 (was previously $200).As $200 was offered so recently I’d recommend waiting for that offer to return.

Offer at a glance

The Offer

Direct link to offer

Affinity Plus Credit Union is offering a $100 bonus when you open a new checking account and complete the following requirements:

Establish a recurring direct deposit of $500 or more

The Fine Print

Offer valid to persons with no prior membership relationship with Affinity Plus.

Membership eligibility applies.

Must be 18 years old to qualify.

To qualify for the bonus, checking account must be opened through https://www.affinityplus.org/landing/200-checking-offer.

No duplications allowed.

Standard account terms and conditions apply.

Limit one bonus per person.

Offer subject to change and may be terminated at any time for any reason.

Offer not valid for accounts opened prior to 10/1/2025.

All regular membership and account opening requirements apply.

Earn your cash bonus by opening a new qualifying consumer checking account by 11/30/2025 and complete (2) direct deposits totaling $1500 or more in 90 days from account opening.You will be awarded within 120 days of the qualifying transactions assuming account is open.The checking account must remain open until the $200 cash bonus is credited or cash bonus will be forfeited.

Limited time offer valid from 10/1/2025-11/30/2025.Affinity Plus is Federally Insured by NCUA.

All bank account bonuses are treated as income/interest and as such you have to pay taxes on them

Avoiding Fees

Monthly Fees

Better than free checking has no monthly fees to worry about.

Early Account Termination Fee

I couldn’t find any mention of an EATF in the fee schedule

Our Verdict

Seems like they were Chexsystems sensitive in the past.If anybody gets approved or denied please share your Chex stats as well.

Hat tip to reader ShawntheShawn

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Frequently Asked Questions

Certainly. Unlike personal loans, you won't face any penalties for settling your balance ahead of schedule. However, it's crucial to keep in mind that if your credit card comes with a 0% introductory offer, it's essential to clear your balance completely before the 0% promotion expires and interest charges apply.

However, you can include additional cardholders, each with their own card. While sharing the single credit limit, the primary cardholder remains responsible for settling the debt.

Potentially, yes. Credit card APRs are typically variable, allowing lenders to change rates, impacting your monthly payments. Additionally, be mindful that introductory 0% offers can lead to higher interest rates once they expire. So, it's wise to clear your balance before that happens, if feasible.

Indeed, credit builder cards exist for those with less-than-ideal credit scores. These cards offer lower credit limits (typically £150 to £1,200) and higher interest rates. Responsible use, including full and on-time payments, can gradually boost your creditworthiness, potentially opening doors to better credit card offers down the line.