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 |
|---|---|
| $500 qualifying direct deposit within 90 days | $350 |
| Qualifying direct deposit continues monthly for 12 months | $100 |
| Qualifying direct deposit continues monthly for 24 months | $100 |
Qualifying Period
Open account and receive first qualifying direct deposit within 90 days of account opening
Payout
Within 60 calendar days after qualifying condition is met for each tier
Requirements
- ✓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
- ✓Open Free Checking, Smart Checking, or Student Checking account
- ✓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
- ✓Qualifying direct deposit of $500+ must post within 90 days of account opening
- ✓For $100 second bonus: qualifying direct deposits must continue monthly for 12 consecutive months
- ✓For $100 third bonus: qualifying direct deposits must continue monthly for 24 consecutive months
- ✓Account must remain open and in good standing through the date bonus is deposited
- ✓Membership required: open and maintain a $5 savings account
- ✓Open Free Checking, Smart Checking, or Student Checking account between Feb 2, 2026 and Dec 31, 2026
- ✓Receive qualifying direct deposit of $500+ within 90 days for initial $350 bonus
Restrictions
- ⚠New customers only (no existing FourLeaf checking account as primary holder)
- ⚠Cannot have previously received a new checking account opening bonus from FourLeaf
- ⚠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
- ⚠New customers only — no existing FourLeaf checking account as primary account holder
- ⚠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
- ⚠Must not have existing FourLeaf checking account as primary holder
- ⚠Must not have previously received new checking account bonus from FourLeaf
- ⚠One bonus per person
- ⚠ChexSystems sensitive
- ⚠New checking account only
Fees
- $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
- 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
- Bonuses are considered interest and reported on IRS Form 1099-INT
- 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
- Bonuses are considered interest and reported on IRS Form 1099-INT; recipient responsible for taxes
- Qualifying direct deposits must be recurring (paycheck, pension, government benefits). ATM deposits, debit transfers, online transfers, and Zelle payments do not qualify.
- If a qualifying direct deposit does not post in subsequent months following the initial deposit, account becomes ineligible for second and third bonuses.
- Bonuses reported on IRS Form 1099-INT.
- Membership required: must maintain $5 savings account to obtain/maintain membership.
- At least one qualifying direct deposit must post within 90 days or no additional bonuses are eligible.
Offer expires December 30, 2026
Last updated August 4, 2026
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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
- Open account and receive first qualifying direct deposit within 90 days of account opening
- Payout timeline
- Within 60 calendar days after qualifying condition is met for each tier
How to qualify
- 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
Common pitfalls
- New customers only (no existing FourLeaf checking account as primary holder)
- Cannot have previously received a new checking account opening bonus from FourLeaf
- One per person/lifetime
- Must not combine with other checking account offers
What makes this offer different
Bonus value versus similar offers
The sign-up bonus is below the current nearby $2,000 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 Open account and receive first qualifying direct deposit within 90 days of account opening.
