Offer at a glance
- Maximum bonus amount: $200
- Availability: Select areas in MO, IL, TX, and VA
- Direct deposit required: No, says any ACH credit or debit
- Additional requirements: See below
- Hard/soft pull: Unknown
- ChexSystems: Unknown
- Credit card funding: Unknown
- Monthly fees: None
- Early account termination fee: Unknown
- Household limit: None listed
- Expiration date: 12/31/26
The Offer
Direct link to offer
- Together Credit Union is offering a $50 referral bonus to both parties when the new user signs up for a checking account. The person being referred can also receive an additional $150 checking bonus ($200 total) when they complete the following requirements:
- Have at least one ACH credit/Direct Deposit of $500+
- Complete five debit card transactions
- Enroll in e-statements
The Fine Print
- Incentive Offer valid January 1, 2026 – December 31, 2026.
- Must be a member for at least 90 days to qualify for $50 referral bonus.
- Referred member must open new consumer checking account; membership eligibility and account approval required.
- All qualifying transactions must post within 60 days of checking account opening in order to receive $150 incentive.
- Qualifying transactions are five (5) Visa Debit Card point of sale transactions (ATM transactions do not qualify), one Direct Deposit transaction (minimum $500), and enrollment in E-statements.
- Member must be in good standing at time of qualifying transaction to receive incentive.
- Cash incentives subject to 1099 reporting.
- Eligible Members limited to one $150 incentive based on Social Security Number and/or Tax Reporting Number.
- $150 incentive does not apply to multiple checking accounts, business checking accounts, or members with existing checking accounts All members are required to open and maintain a minimum $5 balance in a savings account.
- Fees assessed and interest earned vary per consumer checking account.
- We reserve the right to cancel, modify, or terminate the program at any time.
- Fees assessed and interest earned vary per consumer checking account please see Truth in Savings disclosures for more details.
- All bank account bonuses are treated as income/interest and as such you have to pay taxes on them
Avoiding Fees
Monthly Fees
This account has no monthly fees
Early Account Termination Fee
I wasn’t able to find a fee schedule so unsure if there is any EATF.
Referrals
As always, please do not share your referrals in the comments below. You can share them in this linked post. Keep in mind you must be a member for 90 days before you can refer other members.
Our Verdict
Bonus itself seems worth doing, not entirely clear if you can just do the $150 bonus without the $50 referral or not. Hopefully not to hard to find somebody to refer you. If anybody knows if it’s a hard/soft pull please share in the comments below. Reminder to do not share your referrals below, share them in this linked post. Will likely be added to the best bank account bonuses once we have people willing to refer.
Hat tip to reader snailrock
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
