[OH only] CODE Credit Union $400 Checking Bonus

Offer at a glance

Maximum bonus amount: $200

Availability: Limited to the OH counties: Montgomery, Darke, Preble, Warren, Miami, Clark and Greene.

Direct deposit required: Yes, no minimum

Additional requirements: See below

Hard/soft pull: Unknown

ChexSystems: Unknown

Credit card funding: Unknown

Monthly fees: $2 avoidable

Early account termination fee: Unknown

Household limit: None listed

Expiration date: 10/31/25

The Offer

Direct link to offer

CODE Credit Union is offering a $400 bonus when you open a new checking account and complete the following requirements:

Open a Cash Back Checking account by 10/31/25

Enroll in eStatements

Obtain a CODE VISA Debit Card

Maintain an average daily balance of $1,000

Set up and receive direct deposits totaling $1,000 or more within 60 days

The Fine Print

To receive a $400 cash bonus, open a new Cash Back Checking account with select services (estatements, debit card and direct deposits totaling at least $1,000 within 60 days of account opening) by October 31, 2025.

To receive a $300 cash bonus, open a new Smart Saver Checking account with select services (estatements, debit card and direct deposits totaling at least $500 within 60 days of account opening) by October 31, 2025.

The cash bonus will be deposited upon verification of select services.Offer valid for new checking accounts only.

Must not have had a previous checking account with CODE Credit Union within the last 12 months.Limit one promotional bonus per member.

Bonus may be reported on IRS Form 1099-INT.

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

Avoiding Fees

Monthly Fees

Cash back checking has no monthly fee with eStatements +$1,000 balance.Otherwise there is a $5 paper fee and $5 monthly service fee.

Early Account Termination Fee

I wasn’t able to find a fee schedule so unsure if there is an early account termination fee or not.

Our Verdict

Better than the previous $100 referral bonus and $200 bonus.

We will add this to our list of the best checking bonuses.

Hat tip to ShawntheShawn

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Disclaimer: This story is auto-aggregated by a computer program and has not been created or edited by mycardopinions.
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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.