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
PSECU Checking Bonus — Up to $300 + $50
Apply to PSECU Checking Bonus and earn up to $350 in combined sign-up and referral bonuses.
Qualifying Period
100 days
Payout
Within 145 days of establishing membership
Requirements
- ✓Apply using promotional code 2026PROMO
- ✓Be approved for and open at least one savings and one checking account
- ✓Set up and receive two (2) Qualifying Payroll Direct Deposits of $500 or more each
- ✓Open at least one savings and one checking account
- ✓Use promotional code 2026PROMO at time of application
- ✓Set up and receive two (2) qualifying payroll direct deposits of $500 or more each within 100 days of membership establishment
- ✓Use promotional code 2026PROMO
- ✓Sign up and log into digital banking (online or mobile)
- ✓Receive two qualifying payroll direct deposits of $500+ each within 100 days
- ✓Open both savings and checking account with promo code 2026PROMO
- ✓Set up and receive two (2) qualifying payroll direct deposits of $500 or more each within 100 days
- ✓Open at least one savings account and one checking account
- ✓$5 minimum share required to open and maintain Regular savings share
- ✓Set up digital banking (online or mobile)
- ✓Receive two (2) qualifying payroll direct deposits of $500 or more each (within 100 days)
- ✓Set up and receive two qualifying payroll direct deposits of $500 or more each
- ✓Payroll direct deposits must be from employer, Social Security, or pension
- ✓$5 minimum share deposit (made by PSECU on member's behalf)
- ✓Open both a savings and checking account with debit card
- ✓Log into digital banking (online or mobile)
- ✓Use promo code 2026PROMO at time of application
- ✓All requirements must be completed within 100 days of establishing membership
- ✓Use promotional code 2026PROMO at application
- ✓Be approved for at least one savings account and one checking account with debit card
- ✓Sign up and log in to digital banking (online or mobile)
- ✓Set up and receive 2 Qualifying Payroll Direct Deposits of $500 or more each
- ✓Deposits must be payroll, Social Security, or pension payments
- ✓All requirements must be completed within 100 calendar days of establishing membership
- ✓Set up and receive two qualifying payroll direct deposits of $500+ each
- ✓Payroll direct deposits must include paychecks, Social Security, or pension payments from employer or government
- ✓Complete all requirements within 100 days of membership establishment
- ✓Open at least one savings and one checking account with debit card
- ✓$5 minimum share deposit (made by PSECU on behalf of new member)
- ✓Apply using promotional code 2026PROMO at time of application
- ✓Set up and receive two (2) Qualifying Payroll Direct Deposits of $500 or more each within 100 days of establishing membership
- ✓Use promotional code (2026PROMO or 300REFER depending on landing page)
- ✓Complete all requirements within 100 calendar days of account opening
- ✓Open PSECU savings and checking account with debit card
- ✓Use promotional code (2026PROMO or 300PROMO or 300REFER)
- ✓Set up and receive 2 qualifying payroll direct deposits of $500 or more each within 100 days
- ✓Use promo code 2026PROMO at application
- ✓Set up and receive two (2) qualifying payroll direct deposits of $500 or more each into either savings or checking account
- ✓Login to digital banking (online or mobile)
- ✓Set up and receive 2 qualifying payroll direct deposits of $500+ each
Restrictions
- ⚠New members only
- ⚠Not previously been a PSECU member within the last 12 months
- ⚠One bonus per tax identification number per rolling 12-month period
- ⚠Must be 18 years or older at time of account opening
- ⚠U.S. residents only
- ⚠Must not have been a PSECU member in the last 12 months
- ⚠One bonus per tax ID per 12-month rolling period
- ⚠Must not have received a PSECU new member bonus in the past (any prior offer)
- ⚠Must not be current PSECU member or have closed account within past 12 months
- ⚠Employees and immediate family of PSECU staff not eligible
- ⚠18 years or older
- ⚠Limit one bonus per tax identification number per rolling 12-month period
- ⚠Must be U.S. citizen or permanent resident alien, 18+ years old
- ⚠Not eligible if closed an account within past 12 months or received bonus within past 12 months
- ⚠Applications through third-party channels (dealerships) not eligible
- ⚠Must not have been a PSECU member within the last 12 months
- ⚠Joint owners not eligible unless they open their own account
- ⚠U.S. Citizens or permanent resident aliens, 18+ years old
Fees
- $0 account fee
- No monthly maintenance fees
- No minimum balance requirement
- $0 monthly account fee for checking account
- $0 monthly account fee for savings account
- No monthly maintenance fee on checking account
- No account fees
- No minimum balance requirements
- $0 monthly maintenance fee on checking account
- $0 monthly maintenance fee on savings account
- $0 monthly account fee
- $0 monthly service fees
- $0 monthly fee for checking and savings accounts
- $5 minimum share purchase (made by PSECU on behalf of new member)
- $5 minimum share purchase required (made automatically by PSECU)
- No monthly service fees
- No minimum balance requirements for checking account
- $5 minimum share deposit (made by PSECU on behalf of new members)
- Bonus recipient is solely responsible for payment of applicable taxes
- PSECU may terminate or change terms without notice
- Qualifying payroll direct deposits include paychecks, Social Security payments, and pension payments
- Bonus processing may take up to 45 days after requirements are completed
- Bonus is deposited to Regular savings share
- Recipient is responsible for taxes on the bonus amount
- Qualifying deposits are from employer, Social Security, or pension payments only
- Does not include P2P transfers, transfers between own accounts, or ACH transfers from non-government/non-employer sources
- Bonus is taxable income
- Direct deposits must be paycheck, Social Security payment, or pension payment
- P2P transfers and inter-account transfers do not qualify
- PSECU reserves right to verify deposit sources
- Withdrawal and fees may reduce earnings on the account
- Bonus is taxable income and recipient is responsible for taxes
- PSECU may recall bonus if account closed within first year
- PSECU not responsible for direct deposit delays from employers or government
- Qualifying payroll direct deposits include employer paychecks, Social Security payments, and pension payments only
- Does not include person-to-person transfers, transfers between own accounts, or non-employer ACH transfers
- $5 minimum required to open and maintain Regular savings share
- Failure to complete all requirements within 100-day window results in disqualification
- If account closed within first year, initial $5 share will be retained by PSECU
- PSECU may adjust or remove bonus if fraudulent account opening is suspected
- Joint account owners not eligible unless opening separate account
- Qualifying direct deposits must be payroll deposits (paychecks, Social Security, pension payments), not P2P transfers or ACH transfers from other sources
- PSECU may withhold bonus if account is closed within first year or if direct deposits are not active for six consecutive months
- Bonus is treated as income for tax purposes
Total potential bonus
$350
Additional Referral Bonus (how it works)
$50
Your 50% share of $100 paid directly by the referrer
View Referral Terms →$300 (sign-up) + $50 (referral) = $350 total
Offer expires December 30, 2026
Last updated August 9, 2026
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How to evaluate PSECU 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
- 100 days
- Payout timeline
- Within 145 days of establishing membership
How to qualify
- Apply using promotional code 2026PROMO
- Be approved for and open at least one savings and one checking account
- Set up and receive two (2) Qualifying Payroll Direct Deposits of $500 or more each
- Open at least one savings and one checking account
Common pitfalls
- New members only
- Not previously been a PSECU member within the last 12 months
- One bonus per tax identification number per rolling 12-month period
- Must be 18 years or older at time of account opening
What makes this offer different
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 $300 sign-up bonus, $50 referral share for a total displayed potential of $350. 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
When does PSECU Checking Bonus expire?
PSECU Checking Bonus expires on December 30, 2026.
