America First Credit Union is offering up to $350 for new members who open a savings account, add checking, and receive qualifying direct deposits. The offer is straightforward and does not require debit card purchases or maintaining large account balances.
The offer is only available locally. If you’re looking for offers available nationwide, check out our top picks here—including huge offers from Chase, CIT Bank and Axos Bank that you won’t want to miss!
Bonus Overview
| Requirement | Bonus |
|---|---|
| Open a Savings Account and Add Checking | $150 |
| Receive $1,000+ in Direct Deposits Within 60 Days | Additional $200 |
| Total Possible Bonus | $350 |
Trending Savings Account Deal:
How to Earn the Bonus
Step 1: Become a New Member
Open:
- A new America First savings account
- A new checking account
Complete this step to earn the initial $150 bonus.
Step 2: Set Up Direct Deposit
Within 60 days of account opening:
- Receive at least $1,000 in qualifying direct deposits
This earns an additional $200 bonus.
Step 3: Receive Your Cash
Bonuses are generally deposited within 60 days after meeting the requirements.
Eligibility Requirements
The offer is available to new members only.
You are not eligible if:
- You were the primary owner of an America First account opened within the last 12 months.
- You are an employee or volunteer of America First Credit Union.
- You are opening a business or special-purpose account.
What Counts as a Direct Deposit?
Qualifying direct deposits generally include:
- Employer payroll deposits
- Government benefits
- Pension deposits
The following do not qualify:
- Bank-to-bank transfers
- Zelle
- Venmo
- PayPal
- Apple Pay
- Wire transfers
- Internal transfers
Important Fine Print
- Accounts must remain open for at least 12 months.
- If accounts are closed or transferred within 12 months, the bonus may be forfeited or clawed back.
- Membership eligibility requirements apply.
- Bonus payments may be reported to the IRS.
Why This Offer Stands Out
Compared with many checking bonuses:
- No debit card spending requirements
- No bill payment requirements
- No large balance requirements
- Only $1,000 in direct deposits required
- Bonus can reach $350
The main drawback is the 12-month account retention requirement.
See the Best Checking & Savings Account Bonuses and Start Earning Free Cash Today
Bottom Line
The America First Credit Union $350 New Member Bonus is a strong credit union offer, especially for members who can easily route at least $1,000 in payroll direct deposits. The requirements are relatively simple compared to many bank promotions, and there are no debit card transaction or balance maintenance hurdles. If you’re eligible for membership and don’t mind keeping the accounts open for a year, this is one of the better consumer checking and savings bonuses available in 2026.
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