[TX, Select Counties] America’s Credit Union $200 Checking Bonus

Offer at a glance

Maximum bonus amount: $200

Availability: If you or a family member live, work, worship, or attend school within Dallas, Collin, or Rockwall County

Direct deposit required: Yes, no minimum specified

Additional requirements: None

Hard/soft pull: Unknown

ChexSystems: Unknown

Credit card funding: Unknown

Monthly fees: $9.99, avoidable

Early account termination fee: None

Household limit: None listed

Expiration date: None listed

The Offer

Direct link to offer

America’s Credit Union [TX] is offering a $200 bonus when you open a new Momentum+ Rewards accounts and receive direct deposits within third full month-end cycle period after account opening,

The Fine Print

Offer valid for qualifying new Momentum+ Rewards accounts.

The one-time bonus eligibility is based on qualifying direct deposits received during the third full month-end cycle period after account opening, with the applicable bonus credited the following month.

Qualifying direct deposits generally include payroll, pension, or government benefits and exclude person-to-person payments (including but not limited to Zelle®, Cash App®, PayPal®, Venmo®, or similar services), transfers, or deposits made by the account holder themselves.

Determination of qualifying direct deposits is at the Credit Union’s discretion.Limit one bonus per membership.

Bonus requires opening both a Momentum+ Rewards Checking account and a Momentum+ Rewards Savings account, and both accounts must be open and in good standing at the time the bonus is paid.

Bonus not available for account conversions.

Members without a checking account who have not had a checking account with the Credit Union in the past 12 months may qualify.

Bonus funds will be reported as dividend income and will be reported on IRS form 1099-INT.Offer subject to change.

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

Avoiding Fees

Monthly Fees

A $9.99 monthly maintenance fee is automatically waived when your direct deposits total exceeds $600.00

Early Account Termination Fee

None for checking account according to fee schedule.

Our Verdict

Might be stackable with a $75 refer bonus, please don’t share your referrals until we confirm it does stack and both bonuses post.

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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.