Before opening this account, compare the bonus against direct deposit rules, monthly fees, minimum balance requirements, and any clawback period after payout.
Within 145 days of membership establishment (100 days to qualify + up to 45 days processing)
How to qualify
Open PSECU savings and checking account with debit card
Use promotional code (2026PROMO, 2026REFER, or 300PROMO depending on channel)
Set up and log into digital banking (online or mobile)
Receive 2 qualifying payroll direct deposits of $500+ each into savings or checking
Common pitfalls
New members only
Not eligible if ever received prior PSECU new member bonus
One bonus per tax identification number
U.S. citizen or permanent resident required
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 $2,250 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.
✓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
✓$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
✓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
✓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
⚠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
⚠New members only (not eligible if currently a PSECU member or closed account within past 12 months)
⚠No prior new member incentive bonus from PSECU
⚠U.S. citizens or permanent resident aliens, 18+ at membership establishment
⚠Must use promotional code 2026PROMO at application
⚠Must not have been a PSECU member within the past 12 months
⚠U.S. residents 18+ years old
⚠New customers only — have not been a PSECU member within the last 12 months
⚠One per tax identification number per rolling 12-month period
⚠18 years of age or older
⚠U.S. resident
⚠No prior PSECU membership within 12 months
⚠Promo code 2026PROMO required at application
⚠New customers only
⚠U.S. residents age 18+
⚠One $300 bonus per tax identification number
⚠One per tax identification number (per rolling 12-month period)
⚠Cannot have closed an account within the past 12 months
⚠Not eligible if received any prior PSECU new member bonus, regardless of when awarded
⚠Must be at least 18 years old
⚠U.S. citizen or permanent resident alien
⚠One per tax ID per rolling 12-month period
⚠Not eligible if previously received any PSECU new member bonus
⚠Must not have closed an account within past 12 months
⚠U.S. residents, 18+ at time of account opening
⚠U.S. residents 18 years or older
⚠Must be in good standing as defined by PSECU's Bylaws
⚠Limit one per tax identification number per rolling 12-month period
⚠Must be U.S. resident, 18+ years old
⚠Not eligible if currently a PSECU member, closed account within past 12 months, or received any new member bonus within past 12 months
⚠PSECU employees and immediate family not eligible
⚠Limit one (1) new member bonus per tax identification number per rolling 12-month period
⚠Not eligible if currently a PSECU member or closed an account within past 12 months
⚠Not eligible if received any new member incentive bonus within past 12 months
⚠U.S. residents, 18+ years old
⚠Must be approved for at least one savings and one checking account
⚠18+ years old
⚠Not eligible if previously received any PSECU new member incentive bonus
⚠Not eligible if you are a current PSECU member or closed an account within past 12 months
⚠Not eligible if you ever received any new member incentive bonus from PSECU regardless of when awarded
⚠Applications must be started between 1.1.26 and 12.31.26
⚠Must meet PSECU membership requirements
⚠Applications through third-party channels (e.g., dealerships) not eligible
⚠Not previously a PSECU member within the last 12 months
⚠Never received any new member incentive bonus from PSECU regardless of when prior bonus was awarded
⚠Must be 18+ years old
⚠U.S. resident or permanent resident alien
⚠Joint owners cannot receive bonus unless they open separate accounts
⚠Employees and immediate family of PSECU officials ineligible
⚠Applications processed through third-party channels (e.g., dealerships) not eligible
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
PSECU reserves right to extend processing time if requirements not met or additional verification needed
No hold period after bonus is paid
Bonus is subject to PSECU's discretion and final decision
Accounts opened by fraudulent means ineligible
Employees and immediate family of PSECU staff ineligible
Qualifying deposits defined as recurring electronic deposits from employer, Social Security, or pension payments
Person-to-person transfers, inter-account transfers, and online/ACH transfers do not qualify
Bonus processing may take up to 45 days after 100-day qualifying window
Joint account owners are not eligible for the bonus unless they open their own account
Qualifying direct deposits defined as recurring deposits from employer, Social Security, or pension payments
P2P transfers, demand deposit account-to-account transfers, and non-employer ACH transfers do not qualify
Recipient responsible for taxes on bonus amount
PSECU reserves right to verify deposit sources and disqualify non-qualifying deposits
Minimum $5 share deposit required to open and maintain regular savings share
Qualifying deposits must be from employer, Social Security, or pension payments only
P2P transfers, ACH transfers from other bank accounts, and transfers between own accounts do not qualify
If member account closed within first year, initial $5 share will be retained by PSECU
Bonus requires member to be in good standing per PSECU's Bylaws
Qualifying Payroll Direct Deposits defined as recurring electronic deposits from employer, Social Security, or pension payments
Person-to-person transfers (P2P) and transfers between accounts do not qualify
PSECU reserves the right to verify deposit sources and disqualify non-qualifying deposits
Bonus processing may take up to 45 days after the 100-day requirement period
Recipient responsible for applicable taxes on bonus
Qualifying payroll direct deposits are defined as recurring electronic deposits from an employer, Social Security payments, and pension payments
P2P transfers, transfers between checking accounts, and non-employer ACH transfers do not qualify
A $5 minimum share purchase will be made on behalf of new member by PSECU
Member must remain in good standing from date of membership establishment through bonus payment date
If account is closed within first year, the initial $5 share will be retained by PSECU
Bonus is treated as taxable income
Bonus will be deposited into Regular savings share
Qualifying deposits must be from employer, Social Security, or pension (not P2P transfers, ACH transfers between own accounts, or online transfers)
PSECU not responsible for delays caused by force majeure or third parties
Qualifying payroll direct deposits include paychecks, Social Security payments, and pension payments only
Person-to-person transfers, transfers between demand deposit accounts, and online/bank transfers do not qualify
Failure to complete requirements within 100-day window results in disqualification
Bonus is taxable income — recipient responsible for applicable taxes
PSECU reserves right to verify source of all deposits and disqualify non-qualifying deposits
PSECU may terminate or change promotion terms without notice
Qualifying payroll direct deposits include paychecks, Social Security, and pension payments
P2P transfers, account-to-account transfers, and ACH transfers from non-employer/non-government sources do not qualify
If account is closed within first year, the $5 share is retained by PSECU
Member must be in good standing to receive bonus
Regular savings share APY is 0.25% (variable)
Qualifying deposits: payroll direct deposits, Social Security, and pension payments only
Non-qualifying: P2P transfers, transfers between own accounts, online bank transfers
Bonus paid to Regular share account
Member must be in good standing per PSECU Bylaws Article II, Section 1
PSECU may terminate or change promotion without notice
Qualifying Payroll Direct Deposits defined as recurring electronic deposits from employer, Social Security payments, and pension payments
Person-to-person transfers (P2P), transfers between accounts, and non-employer/government ACH transfers do not qualify
PSECU not responsible for delays caused by force majeure or third parties in processing direct deposits
Bonus recipient responsible for payment of applicable taxes
Withdrawals and fees may reduce earnings on account
$5 minimum Regular share deposit required to be eligible (PSECU makes this deposit on behalf of new member)
Member must be in good standing as defined by PSECU Bylaws Article II, Section 1
P2P transfers, transfers between demand deposit accounts, and non-employer ACH transfers do not qualify
PSECU has sole discretion to award portion or total bonus
Promotion can be terminated or modified without notice
PSECU will assess whether all requirements are met after first 100 days; bonus processing may take up to an additional 45 days
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 PSECU Checking Bonus?
The qualifying period listed for PSECU Checking Bonus is Within 100 days of account opening.
When does PSECU Checking Bonus pay out?
The payout timeline listed for PSECU Checking Bonus is Within 145 days of membership establishment (100 days to qualify + up to 45 days processing).
