Offer at a glance
- Maximum bonus amount: $100
- Availability: Nationwide
- Direct deposit required: No
- Additional requirements: See below
- Hard/soft pull: Soft pull
- ChexSystems: Yes, possibly sensitive
- Credit card funding: Up to $500
- Monthly fees: None
- Early account termination fee: Unknown
- Household limit: None listed
- Expiration date: 07/17/2026
The Offer
Direct link to offer, don’t share referrals in the comments below. They can be shared in this linked post.
- Lighthouse Credit Union is offering a $100 Virtual Visa Prepaid Card referral bonus to both referring users and person being referred. Requirements as follows:
- Person referring must submit their friends e-mail address during promo period
- Person being referred must sign up using the same e-mail address during promo period
- Establish membership by opening a Lighthouse Savings account with a minimum $5 deposit
- Open a personal checking account
- Complete at least 5 debit card transactions (excluding ATM) within 60 days of account opening
- Maintain the checking account in an open status for at least sixty
The Fine Print
- For valid and successful referrals submitted between 06/15/2026 and 07/17/2026 (“Promotional Period”), both the Referrer and the Friend will each receive a $100 Virtual Visa® Prepaid Card (“Promotional Reward”).
- This is an increase from the standard Referral Reward value of $50.
- To qualify for the Promotional Reward, the Referrer must submit the Friend’s email address during the Promotional Period, and the Friend must complete referral registration during the Promotional Period using the same email address by following the instructions provided in the referral email or by identifying themselves as a referral when visiting a branch or contacting the Credit Union.
- Referrals submitted prior to 06/15/2026 or after 07/17/2026 are not eligible for the Promotional Reward, even if the Friend opens their account during the Promotional Period.
- To earn the Promotional Reward, the Friend must: (1) be referred by a Referrer and use the same email address associated with their new account as the one submitted by the Referrer at the time of referral; (2) not be a current Lighthouse Credit Union member and must not have been a member within the prior six (6) months; (3) be eligible for and establish membership by opening a Lighthouse Savings account with a minimum $5 deposit (required for membership); (4) open a personal checking account; (5) complete at least five (5) debit card purchases (excluding ATM transactions and fees) within sixty (60) calendar days of checking account opening; and (6) maintain the checking account in an open status for at least sixty (60) calendar days. All requirements must be completed within the stated timeframes. Both the Referrer and Friend must be at least eighteen (18) years of age, have a valid email address, and be in good standing with Lighthouse Credit Union.
- All rewards are subject to verification and will be delivered via email within approximately four (4) weeks after all requirements have been satisfied.
- Referrer Rewards are subject to a maximum of $550 per calendar year; Promotional Referrer Rewards are included in this limit. Each participant may receive only one (1) Friend Reward.
- This Promotional Reward remains subject to the Lighthouse Credit Union Referral Program Terms and Conditions and may be modified or terminated at any time.
- Taxes may apply and are the responsibility of the recipient.
- For full eligibility requirements and additional terms, please refer to the complete Lighthouse Credit Union Referral Program Terms and Conditions.
- All bank account bonuses are treated as income/interest and as such you have to pay taxes on them
Avoiding Fees
Monthly Fees
Neither account has any monthly fees to worry about.
Early Account Termination Fee
I wasn’t able to find a fee schedule so unsure if there is any EATF, given there is no monthly fee and you can refer people might as well keep open for 6-12 months at least.
Our Verdict
This has all the makings of a bonus that will die quickly:
- referral bonus
- no hard pull
- credit card funding
- direct deposit not required
Hopefully it’s not too ChexSystems sensitive. We will add this to our list of the best bank account bonuses. Please do not share referrals in the comments below, they can be shared in this linked thread.
Hat tip to reader ShawntheShawn
Useful posts regarding bank bonuses:
