Service Credit Union is a credit union based out of New Hampshire with a bonus offer for folks with a direct deposit to move over.
They were established in 1957 to support the military personnel and their families at Pease Air Force Base but they’ve expanded to more than fifty locations across New Hampshire, North Dakota, Massachusetts, and even Germany.
This is one of the best credit union bonus offers we’ve seen and once you read the details below, you’ll see why.
Table of Contents
How to Join Service Credit Union
As is the case with every credit union, you have to figure out how you can qualify for membership.
Fortunately, there is a long list of ways to qualify but the simplest one is to be a member of the American Consumer Council (ACC).
There is typically a $5 fee but you can use the promo code “Service” to join free of charge.
When you join the ACC, you qualify for membership to Service Credit Union and you can take advantage of the offer below.
Service Credit Union’s best offer is an up to $500 bonus when you open a new Everyday Checking account and add a direct deposit.
The size of the bonus is based on the amount of your direct deposit. If it’s $1,500 or more per month, you get $500. If you have a smaller direct deposit, you get $200 if your direct deposit is over $500 a month.
The Everyday Checking account has some nice perks including 2-day early pay with direct deposit, discounts on loans, and out-of-network ATM fee reimbursement of up to $30 per month.
Only available to members that do not or have not previously had a checking account with them in the past 12 months.
(Offer expires 3/31/2024)
How Does This Offer Compare?
For a direct deposit bonus, you won’t find an offer better than this one. $500 for a $1,500 direct deposit is one of the best one’s we’ve seen. Even when you compare it with commercial banks, it’s a good offer.
Also, the checking account itself is a good product. Two day early pay is a nice feature that you usually associate with fintech “cash management” accounts, not traditional checking accounts. Also, the ATM reimbursement is quite generous.
⭐ BMO Smart Advantage Checking – $250
BMO Bank is offering a $250 bonus* when you open a BMO Smart Advantage Checking and when you have a total of $4,000 or more in qualifying direct deposits within the first 90 days. It is a very straightforward offer that is available nationwide.
*Conditions apply
Discover Online Savings Account – $150 or $200
Discover Bank is offering a $150 or $200 bonus when you open your first Discover Online Savings Account with the promotion code WH124 and deposit at least $15,000 into the account within 30 days. You get $150 if you deposit $15,000 or more and $200 if you deposit $25,000.
Bank of America – $200 Bonus Offer
Bank of America offers a $200 Bonus Offer cash bonus if you open a new account and Set up and receive qualifying direct deposits totaling $2,000 or more into that account within 90 days of account opening. It has a monthly fee that is easy to have waived.
Chase Total Checking® – $300
Chase Bank will give you $300 when you open a Total Checking account and set up and receive direct deposits totaling $500 or more within 90 days. There is a $12 monthly fee that is waivable with a monthly direct deposit of just $500, so no gotchas on this deal!
HSBC Premier Checking – up to $4,000
HSBC has an offer where you can get up to $4,000 for eligible new customers who open an HSBC Premier checking account, make a sizable deposit, and make recurring monthly qualifying direct deposits of at least $5,000 for 3 consecutive months.
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About Jim Wang
Jim Wang is a forty-something father of four who is a frequent contributor to Forbes and Vanguard’s Blog. He has also been fortunate to have appeared in the New York Times, Baltimore Sun, Entrepreneur, and Marketplace Money.
Jim has a B.S. in Computer Science and Economics from Carnegie Mellon University, an M.S. in Information Technology – Software Engineering from Carnegie Mellon University, as well as a Masters in Business Administration from Johns Hopkins University. His approach to personal finance is that of an engineer, breaking down complex subjects into bite-sized easily understood concepts that you can use in your daily life.
One of his favorite tools (here’s my treasure chest of tools,, everything I use) is Personal Capital, which enables him to manage his finances in just 15-minutes each month. They also offer financial planning, such as a Retirement Planning Tool that can tell you if you’re on track to retire when you want. It’s free.
He is also diversifying his investment portfolio by adding a little bit of real estate. But not rental homes, because he doesn’t want a second job, it’s diversified small investments in a few commercial properties and farms in Illinois, Louisiana, and California through AcreTrader.
Recently, he’s invested in a few pieces of art on Masterworks too.
Opinions expressed here are the author’s alone, not those of any bank or financial institution. This content has not been reviewed, approved or otherwise endorsed by any of these entities.
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