Update 1/27/26: Deal increased to $500 now with code CKG500Q126. (hat tip to reader Ed)
Offer at a glance
- Maximum bonus amount:
$400$500 - Availability:Must be eligible to join CU (live, work or worshipping in Washington State qualifies you – more options here). Looks like it’s also available to some in Oregon as well. Idaho: Live, work, worship, or attend school in Benewah, Bonner, Boundary, Clearwater, Idaho, Kootenai, Latah, Lewis, Nez Perce or Shoshone county
- Direct deposit required: Yes, $250+
- Additional requirements: See below
- Hard/soft pull: Soft
- ChexSystems: Yes, sensitive
- Credit card funding: Unknown
- Monthly fees: None listed
- Early account termination fee: None listed
- Expiration date:
Dec. 27, 2025April 10, 2026
The Offer
Direct link to offer New link
- BECU is offering a
$400$500 bonus when you open a new Member Advantage Savings and Checking account and complete the following requirements:- Use promo code
CKG400Q425CKG500Q126 - Make a direct deposit(s) of $250 or more in the first 60 days of membership.
- Complete 30+ debit purchases in the first 60 days of membership. Qualifying transactions do not include refunds or ATM transactions, and all transactions must be completed within the first 60 days of account opening, not pending.
- Keep account open for 90 days
- Use promo code
The Fine Print
- For new BECU members only, age 18 and older. This offer is available to the addressed person only and is nontransferable. Only one New Account promotional incentive allowed per household. This promotion code is good for one-time use. You may only receive one $400 New Account promotion incentive for the life of your BECU membership but may qualify for other promotions offered by BECU after establishing your membership. Offer not available to existing BECU members, or to those whose accounts have been closed within 90 days, or accounts closed with a negative balance. You must be within BECU’s field of membership and be eligible to open and maintain membership; not everyone will qualify. Only the Primary account holder/addressee of our mailing qualifies for the promotion incentive.
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You must:
- Open a Member Advantage Savings account, to establish membership, and a new Member Advantage Checking account by 12/27/2025. Member Advantage accounts must remain open, in Member Advantage status and in good standing for at least 90 days and until incentive promotion payout. To retain status, you must set up eStatements and conduct one monetary transaction each month, by:
- Debit MasterCard – Point of sale PIN or signature purchase (excludes ATM transactions).*
- Can be in person, online or over the phone.
- Online/Mobile or Telephone Banking – Make BECU loan or credit card payments, or transfer funds between BECU accounts.*
- Direct Deposit – must deposit to the Member Advantage Checking account.
*Analyzed at the person level. Qualifying monetary transaction must occur in an account that shares the same tax owner as the Member Advantage accounts.
- Debit MasterCard – Point of sale PIN or signature purchase (excludes ATM transactions).*
- Conduct at least 30 posted debit purchase transactions from your Member Advantage Checking account within 60 days of account opening. Eligible debit purchase transactions include PIN or Signature. Qualifying transactions do not include refunds or ATM transactions.
- Set up direct deposit(s) of $250 or more to your new BECU Member Advantage Checking account to occur within 60 days of account opening. Your direct deposit must be an electronic deposit of your paycheck, pension, or government benefit(s) (such as Social Security) from your employer or the government. Person-to-Person payments (such as ZelleR) are not considered a direct deposit.
- Open a Member Advantage Savings account, to establish membership, and a new Member Advantage Checking account by 12/27/2025. Member Advantage accounts must remain open, in Member Advantage status and in good standing for at least 90 days and until incentive promotion payout. To retain status, you must set up eStatements and conduct one monetary transaction each month, by:
- All bank account bonuses are treated as income/interest and as such you have to pay taxes on them
Avoiding Fees
Monthly Fees
These accounts have no monthly fees
Early Account Termination Fee
I wasn’t able to find a fee schedule so unsure if there is any EATF.
Our Verdict
Better than the previous $150 bonus, although that didn’t required a direct deposit. Will add this to our list of the best bank account bonuses.
Hat tip to reader Defaulting
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
