$2 monthly paper statement fee (if not enrolled in eStatements)
$2 monthly fee for paper statements
$0 monthly fee (with eStatements enrollment)
Bonus reported as taxable income on IRS 1099 Form
If referred member's account closed within 6 months, bonus deducted from account
No public signup bonus exists — $100 only paid via referral link
If referred account is closed within 6 months of opening, the $100 bonus will be deducted
Bonus may be reported as taxable income on IRS 1099 Form
Must use referral link correctly; no credit if link is misused
Account must remain open and in good standing at time of payout
Qualifying direct deposit is automatic recurring electronic ACH deposit of payroll, Social Security, unemployment, or pension
Multiple deposits totaling $500 qualify; one-time transfers, mobile deposits, cash, checks, and Zelle payments do not qualify
Bonus reported as taxable income on IRS 1099 if applicable
If referee closes account within 6 months of opening, bonus is deducted from their account
If account closed within 6 months of opening, bonus will be deducted
Bonus reported as taxable income on IRS 1099 Form if applicable
Offer subject to change without notice
Account requires $5 opening deposit
Bonus forfeited if account closed within 6 months
One bonus per person
Transferrer earns max $1,000/year across 10 referrals
If referred account closes within 6 months of opening, bonus is deducted from account
Qualifying direct deposits are ACH transfers of payroll, Social Security, unemployment, or pension — transfers, mobile deposits, cash, checks, Zelle, and non-payroll ACH do not qualify
Multiple deposits totaling $500 qualify
Bonus only paid when new customer signs up via referral link
Account closure within 6 months results in bonus being deducted
If referee account is closed within 6 months, $100 will be deducted
Bonus reported as taxable income on IRS 1099
Applies to Cash Back Debit, Cash Back Plus, or High Yield Checking accounts only
If account is closed within 6 months of opening, the $100 bonus will be deducted from the account
How to evaluate Affinity Federal Credit Union Checking Bonus
Before opening this account, compare the bonus against direct deposit rules, monthly fees, minimum balance requirements, and any clawback period after payout.
By the last business day of the month following completion of all qualifying criteria
Hold period
6 months
How to qualify
Open eligible Affinity checking account
Establish recurring direct deposit of $500 or more per month within 60 days
Sign up via valid referral link
Open an Affinity Cash Back Debit, Cash Back Plus, or High Yield Checking account
Common pitfalls
New customers only
Must open Affinity checking account (Cash Back Debit, Cash Back Plus, or High Yield Checking)
Must establish recurring direct deposit of $500+ per month
Account cannot be closed or restricted at time of payout
What makes this offer different
What makes this bank offer different
This is a bank-bonus fit for users who can satisfy a deposit rule quickly; the key comparison point is whether the required deposit type matches your normal cash flow.
Bonus value versus similar offers
The sign-up bonus is below the current nearby $1,500 median, so the requirements and any referral or portal stack matter more.
Stacking potential
The tracked value can include $100 sign-up bonus, $100 referral sign-up bonus, $50 referral share for a total displayed potential of $250. Confirm which apply path you use before assuming every component stacks.
Requirement clarity
Credolix has extracted 4 requirements for this offer, so compare the bonus against the actual steps rather than the headline payout alone.
Frequently Asked Questions
Can Affinity Federal Credit Union Checking Bonus stack with a referral?
✓Establish recurring, qualifying monthly direct deposit of $500+ within 60 days of account opening
✓Account must be opened via referrer's unique referral link
✓Open an Affinity Checking Account (Cash Back Debit, Cash Back Plus, or High Yield Checking)
✓Establish a recurring direct deposit totaling $500+ within 60 days
✓Qualifying deposit: ACH payroll, Social Security, unemployment, or pension (not transfers, Zelle, or check deposits)
✓Must sign up via existing member's referral link
✓Establish recurring direct deposit of $500 or more per month
✓Direct deposit must be within 60 days of account opening
✓Qualifying direct deposit: payroll, Social Security, unemployment, or pension
✓Establish recurring direct deposit of $500+ per month
✓Direct deposits must be payroll, Social Security, unemployment, or pension (ACH only)
✓Open a Cash Back Debit, Cash Back Plus, or High Yield Checking account
✓Establish recurring direct deposit of $500 or more per calendar month within 60 days
✓Open an Affinity Cash Back Debit account (or Cash Back Plus or High Yield Checking)
✓Establish a qualifying recurring direct deposit of $500 or more within 60 days
✓Qualifying direct deposit must be payroll, Social Security, unemployment, or pension (not transfers, Zelle, etc.)
✓Establish a recurring, qualifying monthly direct deposit totaling $500 or more within 60 days of account opening
✓Qualifying direct deposit is an automatic, recurring electronic deposit (ACH) of payroll, Social Security, unemployment, or pension
✓Direct deposit must be payroll, Social Security, unemployment, or pension (ACH)
✓Multiple deposits totaling $500 qualify
✓Establish recurring, qualifying monthly direct deposits of $500 or more
✓Complete within 60 days of account opening
✓Establish recurring qualifying direct deposit of $500+ per month within 60 days
✓Direct deposit must be payroll, Social Security, unemployment, or pension
✓Establish recurring qualifying monthly direct deposit of $500 or more within 60 days
✓Account cannot be closed within 6 months or bonus will be deducted
✓Establish recurring, qualifying monthly direct deposit totaling $500 or more within 60 days
✓Qualifying direct deposit is automatic, recurring ACH of payroll, Social Security, unemployment, or pension
✓Must sign up through a referrer's unique referral link
✓Open one of: Affinity Cash Back Debit, Cash Back Plus, or High Yield Checking account
✓Direct deposit must be automatic ACH of payroll, Social Security, unemployment, or pension
✓Direct deposit must be ACH of payroll, Social Security, unemployment, or pension (not transfers, Zelle, or mobile deposits)
✓Establish recurring direct deposit of $500+ within 60 days
✓Establish recurring, qualifying monthly direct deposit of $500 or more within 60 days of account opening
✓Qualifying deposit is automatic ACH of payroll, Social Security, unemployment, or pension
✓Establish recurring direct deposit of $500+ per month within 60 days
✓Must come through a valid referral link
✓Establish recurring qualifying direct deposit of $500+ within 60 days
✓Establish recurring direct deposits totaling $500+ per month
✓Qualifying deposit: payroll, Social Security, unemployment, or pension ACH
✓Qualifying direct deposit is ACH of payroll, Social Security, unemployment, or pension
✓Establish recurring direct deposit of $500 or more within 60 days
✓Qualifying direct deposit: payroll, Social Security, unemployment, or pension ACH
✓Account must remain open until bonus posted
✓Open Affinity Cash Back Debit, Cash Back Plus, or High Yield Checking account via referral link
✓Establish recurring, qualifying monthly direct deposit of $500 or more
✓Direct deposit must be payroll, Social Security, unemployment, or pension (not transfers, mobile deposits, or Zelle payments)
✓Establish recurring direct deposit of $500+ in calendar month within 60 days of account opening
✓Qualifying direct deposit is payroll, Social Security, unemployment, or pension via ACH
✓Establish recurring direct deposit of $500+ (payroll, Social Security, unemployment, or pension) within 60 days
✓Direct deposit must be recurring and electronic (ACH); transfers, Zelle, mobile/cash/check deposits do not qualify
✓Direct deposit must be payroll, Social Security, unemployment, or pension (not transfers, Zelle, etc.)
✓Establish recurring monthly direct deposit of $500 or more (payroll, Social Security, unemployment, or pension)
✓Establish recurring direct deposit totaling $500 or more within 60 days (multiple deposits totaling $500 qualify)
✓Open Affinity Cash Back Debit, Cash Back Plus, or High-Yield Checking account
✓Direct deposit must be ACH of payroll, Social Security, unemployment, or pension
✓Establish recurring, qualifying monthly direct deposit totaling $500 or more within 60 days of account opening
✓Qualifying direct deposit: automatic ACH of payroll, Social Security, unemployment, or pension ($500+)
✓Recurring direct deposit totaling $500 or more within 60 days of account opening
✓Qualifying direct deposit: payroll, Social Security, unemployment, or pension (not transfers, Zelle, etc.)
✓Open one of the following accounts: Cash Back Debit, Cash Back Plus, or High Yield Checking
✓Establish recurring direct deposit of $500 or more within 60 days of account opening
✓Establish recurring direct deposit totaling $500+ per month within 60 days
✓Qualifying deposit: payroll, Social Security, unemployment, or pension (ACH)
✓Establish recurring direct deposit of $500 or more per calendar month within 60 days of account opening
✓Qualifying direct deposit must be ACH of payroll, Social Security, unemployment, or pension (not transfers, Zelle, mobile deposits, or non-payroll ACH)
✓Establish qualifying recurring direct deposit totaling $500+ within 60 days of account opening
✓Qualifying deposit must be payroll, Social Security, unemployment, or pension via ACH
✓Establish recurring qualifying monthly direct deposit totaling $500 or more within 60 days of account opening
✓Qualifying deposits include payroll, Social Security, unemployment, or pension ACH deposits
✓Direct deposit must be payroll, Social Security, unemployment, or pension (not transfers, Zelle, or one-time deposits)
✓Establish recurring monthly direct deposit totaling $500 or more within 60 days of account opening
✓Establish recurring, qualifying direct deposit totaling $500 or more within 60 days of account opening
✓Open Affinity Cash Back Debit account
✓Establish recurring direct deposit of $500+ in a calendar month
✓Qualifying direct deposits are automatic ACH deposits of payroll, Social Security, unemployment, or pension
✓Establish recurring direct deposit of $500+ per calendar month within 60 days of account opening
✓Must come through valid referral link
✓Qualifying deposits: payroll, Social Security, unemployment, or pension (ACH)
✓Establish recurring qualifying monthly direct deposit totaling $500+ within 60 days of account opening
✓Establish recurring direct deposits totaling $500 or more per month within 60 days
✓Establish recurring, qualifying direct deposit of $500+ within 60 days of account opening
✓Qualifying direct deposit is automatic recurring ACH (payroll, Social Security, unemployment, or pension)
✓Establish recurring monthly direct deposits totaling $500 or more within 60 days
✓Must have a valid referral link (refer-a-friend program)
✓Open Affinity Cash Back Debit checking account
✓Qualifying deposit must be ACH (paycheck, Social Security, pension, or other recurring income)
✓Establish recurring, qualifying monthly direct deposit of $500 or more within 60 days
✓Valid referral link required to earn bonus
✓Direct deposit must be ACH from paycheck, Social Security, pension, or other recurring income
✓Establish recurring direct deposit of $500 or more per month within 60 days of account opening
✓Direct deposit must be payroll, Social Security, unemployment, or pension (ACH-based)
✓Member in good standing, 18 years or older
✓Existing Affinity member can make unlimited referrals but only earn on up to 10 per calendar year
✓Referred member must open one of: Cash Back Debit, Cash Back Plus, or High Yield Checking account
✓Referred member must establish recurring, qualifying monthly direct deposit of $500 or more within 60 days of account opening
✓Qualifying direct deposit: automatic, recurring ACH of payroll, Social Security, unemployment, or pension ($500+ minimum)
✓Non-qualifying: one-time transfers, external/internal transfers, mobile deposits, cash/check deposits, person-to-person payments (Zelle), non-payroll ACH
✓Referred member must open Cash Back Debit, Cash Back Plus, or High Yield Checking account
✓Referred member must establish recurring direct deposits totaling $500 or more per calendar month within 60 days of account opening
✓Qualifying direct deposit must be automatic ACH of payroll, Social Security, unemployment, or pension
⚠Employees of Affinity and subsidiaries ineligible
⚠Refer-a-friend program only — no public signup bonus
⚠Employees of Affinity or subsidiaries not eligible
⚠New customers only — no existing Cash Back Debit account
⚠Not applicable within 12 months of closing prior membership
⚠Employees of Affinity FCU and subsidiaries excluded
⚠Account must remain open 6 months or bonus will be deducted
⚠Existing members of Affinity FCU in good standing only
⚠18 years or older required
⚠Cannot participate if account closed within 12 months
⚠Have not closed membership within last 12 months
⚠Not available to employees of Affinity FCU or subsidiaries
⚠One per person
⚠Not closed membership within last 12 months
⚠Not an employee of Affinity or its subsidiaries/affiliates
⚠18 years or older
⚠New customers only (no existing Cash Back Debit account, no closed membership within 12 months)
⚠Employees of Affinity FCU and affiliates not eligible
⚠New customers only — must not have an existing Cash Back Debit account
⚠Must not have closed their membership within the last 12 months
⚠Not available to employees of Affinity Federal Credit Union or any of its subsidiaries, affiliates, or promotional agencies
⚠Limit one bonus per person
⚠No existing Cash Back Debit account
⚠Not available to Affinity employees or subsidiaries/affiliates/promotional agencies
⚠Must open through referral link only
⚠Referred via valid referral link required
⚠Account must remain open for at least 6 months or bonus is forfeited
⚠Must not have existing Cash Back Debit account
⚠Not available to employees of Affinity FCU or subsidiaries/affiliates
⚠Only available through referral link
⚠Must have qualifying direct deposit of $500 or more
⚠Referral-only offer: New customer must open account via a referrer's link
⚠New members only (no existing Cash Back Debit account)
⚠Employees of Affinity FCU and affiliates ineligible
⚠Account must remain open for at least 6 months or bonus will be forfeited
⚠Must not have closed membership within the last 12 months
⚠Cannot have closed membership within last 12 months
⚠Not available to employees or subsidiaries
⚠Referral program only — no public signup bonus
⚠Must establish $500+ monthly direct deposit
⚠Referral program only — no standalone public signup bonus
⚠Account must remain open for 6 months or bonus is forfeited
⚠Not available to employees
⚠Not available to employees of Affinity FCU or affiliates
⚠Only via referral link (no standalone public bonus)
⚠Existing members of Affinity only (for referring side)
⚠In good standing
⚠No prior Cash Back Debit account
⚠Not closed membership in last 12 months
⚠Employees ineligible
⚠Bonus forfeited if account closed within 6 months
⚠New customers only (must not have an existing Cash Back Debit account)
⚠Not available to employees of Affinity or subsidiaries
⚠New customers only (cannot have existing Cash Back Debit account; cannot have closed membership within last 12 months)
⚠Bonus forfeited if referred member account closes within 6 months
⚠Referral-only bonus — no public signup bonus available
⚠Cannot have existing Cash Back Debit account
⚠Not available to credit union employees or subsidiaries
⚠New customers only — must not have existing Cash Back Debit account
⚠Employees and affiliates not eligible
⚠Referral-only bonus (not available as public signup bonus)
⚠Employees of Affinity FCU or subsidiaries not eligible
⚠Not available to employees or their subsidiaries/affiliates
⚠New members only (no closed membership within last 12 months)
⚠Not available to Affinity employees or affiliates
⚠Requires referral link to qualify
⚠Cannot post referral links on social media or third-party websites
⚠Employees of Affinity FCU ineligible
⚠Must open Cash Back Debit, Cash Back Plus, or High Yield Checking account
⚠No public signup bonus available — only through referral program
⚠Cannot participate if employee of Affinity or its subsidiaries/affiliates
⚠Employees of Affinity Federal Credit Union and subsidiaries not eligible
⚠Must establish recurring direct deposit
⚠Must establish $500+ recurring monthly direct deposit
⚠Employees of Affinity and affiliates not eligible
⚠Account must remain open for 6 months to keep bonus
⚠Not available to Affinity employees or subsidiaries/affiliates
⚠Requires recurring direct deposit of $500+ in a calendar month
⚠Must be referred by an existing Affinity member (no public signup bonus available)
⚠Employees of Affinity Federal Credit Union and its subsidiaries/affiliates not eligible
⚠Account must remain open for 6 months or bonus will be deducted
⚠One per membership
⚠Must not have an existing Cash Back Debit account
⚠Referral-only program
⚠Referral-only offer (no standalone public signup bonus)
⚠Recurring direct deposit of $500+ per calendar month required
⚠Not available to Affinity employees or subsidiaries
⚠Limit of one bonus per person
⚠Referral-only bonus (only available via existing member referral link)
⚠New members only (members who have not closed membership within last 12 months are ineligible)
⚠One bonus per member
⚠Must have active Affinity checking or savings account to refer
⚠Account must not be closed before bonus posts
⚠Account cannot be closed within 6 months or bonus will be deducted
⚠New customers only / no existing Cash Back Debit account
⚠New members only (no prior membership, or must not have closed membership within last 12 months)
⚠Must sign up via referral link from existing member
⚠Account must remain open for 6+ months or bonus is forfeited
⚠Referred members only (available via referral link)
⚠New members who have not closed membership within last 12 months
⚠Not available to Affinity employees, subsidiaries, affiliates, or promotional agencies
⚠Not available if membership was closed within last 12 months
⚠Not available to employees of Affinity or subsidiaries/affiliates
⚠Account must remain open for 6 months after opening or bonus is forfeited
⚠Recurring direct deposit required ($500 or more monthly)
⚠New members only (no prior Affinity membership in last 12 months)
⚠Requires referral link from existing member
⚠Must be 18+ years old
⚠Must open via valid referral link
⚠Must establish recurring direct deposit of $500+ per month within 60 days
⚠Account must remain open and in good standing at time of payout
⚠If account closed within 6 months, bonus is forfeited
⚠New members only (who have not closed membership within last 12 months)
⚠Referee must open via referrer's link
⚠Max 10 referrals per calendar year (referrer side)
⚠Employees of Affinity FCU and subsidiaries ineligible
⚠Referred member must open account via valid referral link
⚠Members of Affinity FCU in good standing, 18+ with active checking or savings account eligible as referrers
⚠Employees of Affinity FCU, subsidiaries, affiliates, or promotional agencies cannot participate
⚠No posting of referral links on third-party social media or blogs
⚠Members in good standing only
⚠Active Affinity checking or savings account required
⚠Maximum $1,000 per calendar year (up to 10 referrals)
⚠Employees of Affinity or subsidiaries ineligible
⚠Cannot post referral links on third-party social media or blogs
$2 paper statement fee (avoid by enrolling in eStatements)
$2 fee for paper statements (enroll in eStatements to avoid)
$2 paper statement fee (waived first 45 days; enroll in eStatements to avoid)
$0 monthly account fee for Cash Back Debit with e-statements
$5 Membership Eligibility Account required
$2 monthly paper statement fee (waived for first 45 days)
$0 monthly account maintenance when enrolled in eStatements
$0 monthly maintenance fee on Cash Back Debit account
$2 fee for paper statements (waived if enrolled in eStatements)
$0 monthly fee with eStatement enrollment
$0 monthly fee with paperless statements (eStatements enrollment)
$0 monthly fee when enrolled in paperless statements (eStatements)
Affinity reserves the right to request proof of direct deposit to determine eligibility
One-time transfers, mobile deposits, cash/check deposits, Zelle, and non-payroll ACH do not qualify
Qualifying direct deposit is payroll, Social Security, unemployment, or pension via ACH
Transfers, Zelle, mobile/check deposits do not qualify
If account closed within 6 months, bonus will be deducted from referred member's account
Bonus is taxable income, reported on IRS 1099 Form
If account is closed within 6 months, bonus will be deducted
If the referred member's account is closed within six (6) months of account opening, the bonus will be deducted from their account at the time of closing
Bonus may be reported as taxable income and will be reported on an IRS 1099 Form, if applicable
One-time and recurring external and internal transfers, mobile deposits, cash or check deposits, person-to-person payments such as Zelle®, and non-payroll ACH transactions or payments do not qualify as a direct deposit
If referred account is closed within 6 months, bonus is deducted from the referred member's account
No limit on number of referrals a member can make, but max $1,000 earned per year (10 friends max)
Employees of Affinity FCU and subsidiaries ineligible
Multiple deposits totaling $500 qualify as single deposit
Zelle payments and internal transfers do not qualify as direct deposit
Employees of Affinity and subsidiaries ineligible
This is a refer-a-friend only offer; no public signup bonus exists
Bonus may be reported as taxable income and will be reported on IRS 1099 Form, if applicable
If the account is closed within 6 months of opening, the bonus will be deducted
Bonus is reported as taxable income on IRS 1099 Form
Employees of Affinity FCU and subsidiaries are not eligible
Membership required; open to anyone via $5 donation to New Jersey Coalition for Financial Education or Connecticut Jump$tart Coalition
Bonus is only available through referral link; no standalone public signup bonus exists
If account closed within 6 months, bonus will be deducted
One-time transfers, mobile deposits, cash/check deposits, Zelle payments, and non-payroll ACH do not qualify
If referred member closes account within 6 months, bonus is deducted from account
Bonus is only paid when customer signs up via referral link
If referred account closes within 6 months, bonus is deducted
Payroll, Social Security, unemployment, or pension deposits qualify; transfers and Zelle do not
Bonus only available via referral link
Qualifying direct deposit is ACH (payroll, Social Security, unemployment, pension) — not transfers, Zelle, or mobile deposits
Bonus will be deducted if account closed within 6 months of opening
Bonus reported as taxable income (IRS 1099)
Bonus must be claimed via referral link; no standalone public offer
If account closed within 6 months, bonus is forfeited/deducted
Cannot post referrals on social media or third-party sites or risk termination
One-time transfers, mobile deposits, cash/check deposits, Zelle payments do not qualify as direct deposit
Direct deposit must be automatic recurring ACH of payroll, Social Security, unemployment, or pension
External transfers, mobile deposits, cash, check deposits, and Zelle do not qualify
Affinity may request proof of direct deposit to verify eligibility
One-time transfers, mobile deposits, cash/check deposits, Zelle, and non-payroll ACH do not qualify as direct deposit
Affinity reserves right to request proof of direct deposit
Bonus is taxable income and reported on IRS 1099 Form
If referred account is closed within 6 months, bonus is deducted from account
Multiple deposits totaling $500 per month qualify
Cannot generate referral activity by posting links on social media or blogs
Account closure within 6 months of opening triggers bonus deduction
One-time transfers, mobile deposits, cash/check deposits, and Zelle payments do not qualify as direct deposit
If account closed within 6 months, bonus is deducted from account
Transfers, mobile deposits, cash deposits, Zelle, and non-payroll ACH do not qualify
If referred member's account closes within 6 months, bonus is deducted
Bonus treated as taxable income, reported on IRS Form 1099
Qualifying direct deposits: payroll, Social Security, unemployment, or pension ACH only; excludes transfers, mobile deposits, Zelle, cash deposits
If referred account closed within 6 months, bonus will be deducted
Qualifying direct deposit: automatic recurring ACH (payroll, Social Security, unemployment, or pension)
External/internal transfers, mobile deposits, cash deposits, Zelle payments, non-payroll ACH do not qualify
Credit union membership required ($5 deposit to membership account)
Bonus must be reported as taxable income (1099 Form)
Account must remain open for 6 months or bonus will be deducted
Qualifying direct deposit must be ACH payroll, Social Security, unemployment, or pension
Transfers, mobile deposits, cash/check deposits, Zelle, and non-payroll ACH do not qualify
If account closed within 6 months, bonus deducted from account
Multiple deposits totaling $500 qualify; one-time transfers, mobile deposits, Zelle, and non-payroll ACH do not
One-time transfers, mobile deposits, cash deposits, Zelle payments, and non-payroll ACH do not qualify
If account closed within 6 months, bonus is deducted from referred member's account
Bonus reported as taxable income on 1099 form
Both referrer and referred receive $100
Referrer can earn max $1,000/year (10 referrals)
Bonus only available through referral program
Qualifying direct deposit is an ACH of payroll, Social Security, unemployment, or pension
One-time transfers, mobile deposits, cash/check deposits, and Zelle payments do not qualify
Membership eligibility account with $5 deposit required
Bonus only available via referral link; no standalone signup bonus
If referred member's account closed within 6 months, bonus will be deducted
If referred account is closed within 6 months of opening, $100 bonus will be deducted
One-time transfers, mobile deposits, Zelle, and non-payroll ACH do not qualify as direct deposit
Credit union reserves right to request proof of direct deposit
One bonus per person (one per Membership Eligibility Account Number)
If referred member account closed within 6 months, bonus will be deducted
Membership requires $5 deposit to membership eligibility account
Bonus may be reported as taxable income (IRS 1099)
If referred account closes within 6 months, bonus will be deducted
Bonus reported as taxable income (IRS 1099 Form)
Cannot post referral link on social media or third-party sites
One-time and recurring external/internal transfers, mobile deposits, cash/check deposits, Zelle, and non-payroll ACH do not qualify
Qualifying direct deposit is automatic, recurring ACH of payroll, Social Security, unemployment, or pension—not transfers, mobile deposits, cash, checks, or Zelle
One of three eligible account types: Cash Back Debit, Cash Back Plus, or High Yield Checking
Bonus reported as taxable income (1099 form)
One-time/recurring external transfers, mobile deposits, cash/check deposits, Zelle do not qualify as direct deposits
Affinity may request proof of direct deposit
Direct deposit must be automatic ACH of payroll, Social Security, unemployment, or pension
Bonus taxable as income, reported on IRS 1099 if applicable
One-time and external/internal transfers, mobile deposits, cash, check deposits, Zelle, and non-payroll ACH do not qualify as direct deposits
Posting of referral bonus requires both parties complete all qualifying criteria
Only available through valid referral link (refer-a-friend program)
Qualifying direct deposit: automatic recurring ACH of payroll, Social Security, unemployment, or pension ($500+)
One-time transfers, mobile deposits, cash/check deposits, and Zelle do not qualify
Qualifying direct deposit is automatic recurring ACH (payroll, Social Security, unemployment, pension) — NOT one-time transfers, external/internal transfers, mobile deposits, cash, check deposits, Zelle, or non-payroll ACH
Affinity can request proof of direct deposit
Qualifying direct deposits: payroll, Social Security, unemployment, or pension via ACH
Non-qualifying: external/internal transfers, mobile deposits, cash deposits, Zelle payments, non-payroll ACH
If account is closed within 6 months of opening, bonus will be deducted from referred member's account
Multiple deposits totaling $500 in a calendar month qualify
Multiple deposits totaling $500 qualify; one-time deposits, transfers, Zelle, and mobile deposits do not
If account closed within 6 months, bonus is deducted
Bonus may be reported as taxable income on IRS Form 1099
If referred account closed within 6 months, bonus deducted from account
Qualifying direct deposit: payroll, Social Security, unemployment, or pension (not transfers, mobile deposits, cash, or Zelle)
1% cash back on debit purchases (up to $1,000/month, max $120/year)
Direct deposit must be payroll, Social Security, unemployment, or pension (not transfers, Zelle, mobile/check deposits)
If referred member's account is closed within 6 months, bonus is deducted
Cannot post referral links on social media or third-party sites
Affinity employees not eligible
Multiple deposits totaling $500 do not qualify; must be single recurring deposit
Posting referral links on social media, blogs, or third-party websites can result in termination of eligibility
Bonus may be reported as taxable income and reported on IRS 1099 Form
Multiple deposits cannot be combined to meet the $500 monthly requirement - must be a single recurring deposit
External transfers, mobile deposits, cash, check deposits, and Zelle payments do not qualify as direct deposits
Posting of referral activity on third-party social media may result in termination of eligibility
Bonus reported as taxable income and reported on IRS 1099 Form if applicable
If referred member's account closes within 6 months of opening, bonus is deducted from their account
No limit to number of referrals a member can make
No limit to number of referrals a member can make, but only 10 qualify per year
Company reserves right to cancel, modify or terminate program at any time
Credolix tracks a referral path for this offer. The displayed user share is $50 based on 50% of the listed referral payout.
How long do I have to qualify for Affinity Federal Credit Union Checking Bonus?
The qualifying period listed for Affinity Federal Credit Union Checking Bonus is within 60 days of account opening.
When does Affinity Federal Credit Union Checking Bonus pay out?
The payout timeline listed for Affinity Federal Credit Union Checking Bonus is By the last business day of the month following completion of all qualifying criteria.
How long do I need to keep funds or the account for Affinity Federal Credit Union Checking Bonus?
The hold period listed for Affinity Federal Credit Union Checking Bonus is 6 months.
