Offer at a glance
- Maximum bonus amount: $550
- Availability: Nationwide
- Direct deposit required: Yes, $500+
- Additional requirements: None
- Hard/soft pull: Soft
- ChexSystems: Yes, sensitive
- Credit card funding: None
- Monthly fees: None
- Early account termination fee: None
- Household limit: None listed
- Expiration date: December 31, 2026
The Offer
Direct link to offer
- Four Leaf Federal Credit Union (formerly known as Bethpage Credit Union) is offering a bonus of up to $550 when you open a new checking account. Bonus is broken down as follows:
- Receive a $350 checking bonus when you open a new checking account and receive a qualifying direct deposit of $500+ within 90 days of account opening
- Receive an additional $100 bonus when you have a qualifying direct deposit continue to post for 12 consecutive months after the first qualify direct deposit
- Receive an additional $100 bonus when you have a qualifying direct deposit continue to post for 24 consecutive months after the first qualifying direct deposit
The Fine Print
- To be eligible for the FourLeaf Checking Up to $550 Bonus Offer and receive up to a maximum of $550.00 in bonuses, you must not have an existing FourLeaf checking account in which you are the primary account holder on the checking account and have not previously received a new checking account opening related bonus from FourLeaf. To receive the initial $350.00 bonus (the “First Direct Deposit Bonus”), you must open a Free Checking, Smart Checking, or Student Checking account with FourLeaf between February 2, 2026 and December 31, 2026, which is subject to approval, and have a Qualifying Direct Deposit (as defined below) post to the checking account within ninety (90) calendar days of account opening date.
- The First Direct Deposit Bonus will be deposited to the checking account within sixty (60) calendar days following the initial Qualifying Direct Deposit.
- To receive an additional $100.00 bonus (the “Second Direct Deposit Bonus”), you must continue to have a Qualifying Direct Deposit post to the checking account for twelve (12) consecutive months following the month of the initial Qualifying Direct Deposit.
- The Second Direct Deposit Bonus will be deposited to the checking account within sixty (60) calendar days of receiving the applicable Qualifying Direct Deposit for the Second Direct Deposit Bonus. To receive an additional $100.00 bonus (the “Third Direct Deposit Bonus”), you must continue to have a Qualifying Direct Deposit post to the checking account for twenty-four (24) consecutive months following the month of the initial Qualifying Direct Deposit.
- The Third Direct Deposit Bonus will be deposited to the checking account within sixty (60) calendar days of receiving the applicable Qualifying Direct Deposit for the Third Direct Deposit Bonus.
- If a Qualifying Direct Deposit does not post to the checking account in any subsequent months following the initial Qualifying Direct Deposit, the checking account will not be eligible to receive the Second Direct Deposit Bonus and Third Direct Deposit Bonus.
- The checking account must remain open and in good standing up to and including the date each bonus is deposited to receive the applicable bonus.
- A Qualifying Direct Deposit is a recurring electronic deposit of a paycheck, pension, or government benefits (such as Social Security) from an employer, the government, or similar third party of $500.00 or more. Certain types of electronically deposited funds may not be considered a Qualifying Direct Deposit including ATM deposits, debit card transfers, online banking transfers or deposits, and person to person payments such as Zelle®. Bonuses are considered interest and will be reported on IRS Form 1099-INT. The primary account owner is responsible for any applicable taxes. You are only eligible for one (1) new checking account bonus offer. If you open multiple checking accounts, you will only be eligible to receive one (1) new checking account bonus offer. Offer may be modified or discontinued without notice.
- All bank account bonuses are treated as income/interest and as such you have to pay taxes on them
Avoiding Fees
Monthly Fees
Free checking has no monthly fees
Early Account Termination Fee
There is no EATF.
Our Verdict
Better than the $250 bonus that didn’t last long, so I suspect this one will suffer a similar fate. Annoying that you need to keep an active direct deposit for so long for the full bonus but even if you just do the $350 bonus it’s worth doing so we will add it to our best bank account bonus page. Just keep in mind it seems to be Chexsystems sensitive.
Hat tip to reader Tony
Useful posts regarding bank bonuses:
- A Beginners Guide To Bank Account Bonuses
- Bank Account Quick Reference Table (Spreadsheet) (very useful for sorting bonuses by different parameters)
- PSA: Don’t Call The Bank
- Introduction To ChexSystems
- Banks & Credit Unions That Are ChexSystems Inquiry Sensitive
- What Banks & Credit Unions Do/Don’t Pull ChexSystems?
- How To Use Our Direct Deposit Page For Bank Bonuses Page
- Common Bank Bonus Misconceptions + Why You Should Give Them A Go
- How Many Bank Accounts Can I Safely Open Within A Year For Bank Bonus Purposes?
- Affiliate Links & Bank Bonuses – We Won’t Be Using Them
- Complete List Of Ways To Close Bank Accounts At Each Bank
- Banks That Allow/Don’t Allow Out Of State Checking Applications
- Bank Bonus Posting Times
