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 (direct deposit) | $350 |
| 12 consecutive months of $500+ direct deposits | Additional $100 |
| 24 consecutive months of $500+ direct deposits | Additional $100 |
Qualifying Period
within 90 days of account opening
Payout
Within 60 days after each qualifying direct deposit milestone
Requirements
- ✓Open a Free Checking, Smart Checking, or Student Checking account
- ✓Receive qualifying direct deposit of $500+ within 90 days of account opening
- ✓Continue qualifying direct deposits for 12 months for second bonus
- ✓Continue qualifying direct deposits for 24 months for third bonus
- ✓Account must remain open and in good standing
Restrictions
- ⚠New checking account holders only
- ⚠No prior FourLeaf checking account as primary holder
- ⚠No prior new checking account opening bonus from FourLeaf
- ⚠One bonus offer per person
Fees
- No monthly account fee
- Qualifying direct deposits are recurring electronic deposits of paycheck, pension, or government benefits from employer, government, or similar third party
- ATM deposits, debit card transfers, online transfers, and person-to-person payments (Zelle) do not qualify as direct deposits
- Bonuses are reported as interest on IRS Form 1099-INT
- Membership requires opening a $5 savings account
Offer expires December 30, 2026
Last updated June 22, 2026
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 after each qualifying direct deposit milestone
How to qualify
- Open a Free Checking, Smart Checking, or Student Checking account
- Receive qualifying direct deposit of $500+ within 90 days of account opening
- Continue qualifying direct deposits for 12 months for second bonus
- Continue qualifying direct deposits for 24 months for third bonus
Common pitfalls
- New checking account holders only
- No prior FourLeaf checking account as primary holder
- No prior new checking account opening bonus from FourLeaf
- One bonus offer per person
What makes this offer different
Bonus value versus similar offers
The sign-up bonus is below the current nearby $2,250 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.
When does Four Leaf Federal Credit Union Checking Bonus pay out?
The payout timeline listed for Four Leaf Federal Credit Union Checking Bonus is Within 60 days after each qualifying direct deposit milestone.
