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.
Bank
Four Leaf Federal Credit Union Checking Bonus — Up to $550
Sign up for Four Leaf Federal Credit Union Checking Bonus and earn up to $550 in bonus rewards.
Bonus Tiers
| Deposit | Bonus |
|---|---|
| Direct deposit $500+ | $350 |
| Continuing direct deposits for 12 consecutive months | $100 |
| Continuing direct deposits for 24 consecutive months | $100 |
Qualifying Period
Within 90 days of account opening
Payout
Within 60 days of qualifying direct deposit
Requirements
- ✓Open Free Checking, Smart Checking, or Student Checking account between February 2, 2026 and December 31, 2026
- ✓Qualifying direct deposit of $500+ (paycheck, pension, or government benefits) must post within 90 days
- ✓For second $100 tier: qualifying direct deposits must continue monthly for 12 consecutive months
- ✓For third $100 tier: qualifying direct deposits must continue monthly for 24 consecutive months
- ✓Open Free Checking, Smart Checking, or Student Checking account
- ✓$5 Savings Account required for membership
- ✓Qualifying direct deposit of $500+ within 90 days of account opening
- ✓Direct deposit must continue for 12 and 24 months to receive additional bonuses
- ✓Open a Free Checking, Smart Checking, or Student Checking account
- ✓Receive qualifying direct deposit of $500 or more (payroll, pension, government benefits)
- ✓For $100 bonuses: qualifying direct deposits must continue monthly for 12 and 24 consecutive months respectively
- ✓Account must remain open and in good standing
- ✓Initial qualifying direct deposit of $500+ within 90 days
- ✓Membership requires opening and maintaining $5 Savings Account
- ✓For additional $100 bonuses: qualifying direct deposits must continue for 12 and 24 consecutive months respectively
Restrictions
- ⚠New customers only — no existing FourLeaf checking account as primary account holder
- ⚠Cannot have previously received a new checking account opening bonus from FourLeaf
- ⚠One bonus per person; opening multiple accounts only qualifies for one bonus
- ⚠Account must remain open and in good standing through bonus deposit date
- ⚠New customers only
- ⚠Cannot have existing FourLeaf checking account as primary holder
- ⚠One per lifetime
- ⚠New customers only (no existing FourLeaf checking account as primary holder)
- ⚠One per person/lifetime
- ⚠Must not combine with other checking account offers
- ⚠New customers only — must not have existing FourLeaf checking account as primary holder
- ⚠Must not have previously received a new checking account opening bonus from FourLeaf
- ⚠Only one bonus per person
- ⚠Cannot be combined with other checking account offers
- ⚠Never previously received a FourLeaf new checking account opening bonus
- ⚠One bonus per person (only one checking bonus per person, even if multiple accounts opened)
- ⚠ChexSystems sensitive (approval required)
- ⚠New checking account customers only
Fees
- $0 monthly maintenance fee for Free Checking
- $0 account fee
- $0 account maintenance fee
- $5 minimum to open savings share (required for membership)
- $0 monthly maintenance fee on Free Checking
- $0 monthly maintenance fee
- $0 minimum balance requirement
- $0 account fee - no monthly maintenance fees
- $0 monthly account maintenance fee
- $0 account fee for Free Checking
- No monthly account fee
- Bonuses are considered interest and reported on IRS Form 1099-INT
- Qualifying direct deposits must be recurring; one-time transfers, ATM deposits, debit card transfers, online banking transfers, and person-to-person payments (Zelle) do not qualify
- ChexSystems check is sensitive
- Qualifying direct deposits are ACH credit transactions such as payroll; Zelle, ATM deposits, debit transfers, and person-to-person payments do not qualify
- Cannot be combined with other checking account offers
- Membership required with $5 savings account
- If you do not receive at least one qualifying direct deposit within first 90 days, you are not eligible for the second or third bonuses
- Qualifying direct deposits are certain ACH credit transactions such as payroll; excludes ATM deposits, debit card transfers, online transfers, and P2P payments like Zelle
- Early direct deposit available (up to two business days early, not guaranteed)
- Membership requires opening and maintaining a $5 Savings Account
- Qualifying direct deposits include payroll, pension, or government benefits
- ATM deposits, debit card transfers, online banking transfers, and Zelle payments do not qualify
- If no qualifying direct deposit within first 90 days, customer ineligible for $100 anniversary bonuses
- Promotion may be modified or discontinued without notice
- Qualifying direct deposit means paycheck, pension, or government benefits; ATM deposits, debit card transfers, online transfers, and Zelle payments do NOT qualify
- If a qualifying direct deposit does not post in any subsequent month after the first, account is not eligible for the second and third bonuses
- Bonuses are considered interest and will be reported on IRS Form 1099-INT; account owner is responsible for applicable taxes
- Offer may be modified or discontinued without notice
- Qualifying direct deposit is recurring ACH credit such as paycheck, pension, or government benefits from employer or similar third party
- Account must remain open and in good standing through date each bonus is deposited
- If qualifying direct deposit does not post in any month after initial deposit, account is ineligible for second and third bonuses
Offer expires December 30, 2026
Last updated September 14, 2026
Saved source PDFs
Sep 14, 2026Change detected
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How to evaluate Four Leaf 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.
Qualification checklist
Timing
- Qualifying period
- Within 90 days of account opening
- Payout timeline
- Within 60 days of qualifying direct deposit
How to qualify
- Open Free Checking, Smart Checking, or Student Checking account between February 2, 2026 and December 31, 2026
- Qualifying direct deposit of $500+ (paycheck, pension, or government benefits) must post within 90 days
- For second $100 tier: qualifying direct deposits must continue monthly for 12 consecutive months
- For third $100 tier: qualifying direct deposits must continue monthly for 24 consecutive months
Common pitfalls
- New customers only — no existing FourLeaf checking account as primary account holder
- Cannot have previously received a new checking account opening bonus from FourLeaf
- One bonus per person; opening multiple accounts only qualifies for one bonus
- Account must remain open and in good standing through bonus deposit date
What makes this offer different
Bonus value versus similar offers
The sign-up bonus is below the current nearby $1,750 median, so the requirements and any referral or portal stack matter more.
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
When does Four Leaf Federal Credit Union Checking Bonus expire?
Four Leaf Federal Credit Union Checking Bonus expires on December 30, 2026.
How long do I have to qualify for Four Leaf Federal Credit Union Checking Bonus?
The qualifying period listed for Four Leaf Federal Credit Union Checking Bonus is Within 90 days of account opening.
