Ardent Credit Union Checking Bonus $700 Offer [PA]

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Earn up to $700 with an Ardent Credit Union checking bonus. Get $50 for eBanking signup, up to 7.50% cash back monthly, and more with simple requirements. Join now!

Ardent Credit Union is offering an enticing checking bonus of up to $700 to its members. Members can enjoy up to 7.50% cash back each month, among other benefits, by meeting straightforward requirements such as maintaining qualifying recurring direct deposits, opting for eStatements, and executing a minimum number of debit card transactions.

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Ardent Credit Union Checking Bonus Offer Details

What you’ll get: Up To $700
Where it’s available: PA
How to earn it: Open a new checking account and:
- Log into eBanking: Earn an immediate $50 bonus simply by logging into Ardent Credit Union’s eBanking platform.
- Enroll Your Debit Card in Your Mobile Wallet: Take a step towards modern banking and convenience by enrolling your debit card in your preferred mobile wallet.
- Meet Monthly Requirements for Cash Back:
  - Get Qualifying Recurring Direct Deposits: Ensure you receive recurring direct deposits totaling $100 or more to qualify.
  - Receive eStatements: Opt for electronic statements to not only meet the bonus requirements but also contribute to environmental conservation.
  - Make 8 Debit Card Transactions: Use your debit card for at least 8 transactions to qualify for up to 7.50% cash back per month, with a maximum of $50 cash back per month for the first 12 months.
When it expires: 6/30/2024

OFFER LINK

Unlock financial growth with the Axos One Bundle! Earn high interest with an impressive 4.21% APY on your savings and enjoy a solid 0.51% APY on your checking balance—all in one...Show More

Unlock financial growth with the Axos One Bundle! Earn high interest with an impressive 4.21% APY on your savings and enjoy a solid 0.51% APY on your checking balance—all in one streamlined package. Perfect for those who want to maximize their money, Axos One combines the flexibility of a checking account with the earning power of a high-interest savings account. Simplify your banking while watching your savings grow faster with Axos Bank's convenient, tech-savvy approach.

Disclaimers:

The Annual Percentage Yield (APY) is accurate as of 2/2/2026. The base and promotional interest rate and corresponding APY for Axos ONE® Checking is variable and is set at our discretion. The base and promotional interest rate and corresponding APY for Axos ONE® Savings is variable and is set at our discretion. Axos ONE® Savings is a tiered variable rate account. Axos ONE® Checking is a non-tiered variable rate account. Interest rates may change as often as daily without prior notice. Fees may reduce earnings.Promotional terms and conditions are subject to change or removal without notice. Incentive may be taxable and reported on IRS Form 1099-MISC. Consult your tax advisor. After the accounts are opened, the amount of incentive earned will depend on meeting the additional requirements outlined below.The Axos ONE® Checking account will earn a base rate of 0.00% APY. The Axos ONE® Savings account will earn a base rate of up to 1.00% APY.Axos ONE® accounts are eligible to receive a promotional APY for each statement cycle where the promotional criteria are met during the Qualification Period. To receive the promotional APY on both Axos ONE® Checking and Axos ONE® Savings, the Axos ONE® Checking account must meet both of the requirements in either Option 1 or Option 2 below during the Qualification Period:Option 1Your Axos ONE® Checking account has received monthly qualifying direct deposits of at least $1,500 in total.The average daily balance of your Axos ONE® Checking account is at least $1,500.Option 2Your Axos ONE® Checking account has received monthly qualifying deposits of at least $5,000 in total.The average daily balance of your Axos ONE® Checking account is at least $5,000.If both of the requirements in either Option 1 or Option 2 above are met during the Qualification Period:The Axos ONE® Checking account will earn a promotional rate of 0.51% APY for the statement cycle in which the requirements are met.The Axos ONE® Savings account will earn a promotional rate of up to 4.21% APY for the statement cycle in which the requirements are met.The Qualification Period begins on the first business day of the month and runs through the 25th of the month. If the 25th of the month is followed by a non-business day, the average daily balance will be calculated including the following non-business day(s). Any qualifying deposits or qualifying direct deposits received after the 25th of the month will count toward the next Qualification Period. The Qualification Period for new accounts will begin on the day the account is approved. New accounts opened on or after the 25th of the month will be eligible to earn the promotional APY starting in the following month.A direct deposit is an electronic deposit of your paycheck or government benefits, such as Social Security, Disability, etc. International paychecks, international government benefits, other deposits (i.e., online banking transfers, ATM and mobile check deposits, etc.), or person-to-person payments are not considered a direct deposit.Qualifying deposits only include deposits from the following eligible sources: (i) ACH transfers from external accounts, (ii) inbound wire transfers from external accounts, (iii) check deposits. Qualifying deposits do not include: (i) transfers internal to the bank (i.e., transfers between an account holder’s Checking and/or Savings account), (ii) interest payments, (iii) promotional bonuses, (iv) credits, reversals, and refunds.Both accounts must be in an open and active status on the 25th of the month and on the date the interest is paid to receive the promotional APY for that statement cycle. If either account closes during the Qualification Period, neither account will be eligible to earn the promotional APY for that statement cycle. Account transactions may take one or more business days from the transaction date to post to the account.
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Waive The Monthly Fee

There is no monthly fee.

READ MORE: GET TOP BONUSES FROM CHASE, AXOS, AND BMO.

Fine Print

Offer valid only on Cashback Checking accounts opened between February 6, 2024 and June 30, 2024.
The monthly bonus is available for 12 consecutive months for new accountholders who qualify.
However, this offer may end at any time.
New checking accountholders only.
A checking accountholder is considered new if they have not been primary or secondary owner on an Ardent checking account in the last 12 months.
Must meet membership eligibility of living, working, worshipping, volunteering or attending school in Bucks, Chester, Delaware, Montgomery or Philadelphia Counties. Relatives and household members of current Ardent members may also be eligible.
Visit ardentcu.org/join for more details.
Promotion Code (CK700) must be entered at new account opening to be eligible for this offer and cannot be added to an account at a later date. Ardent Credit Union reserves the right to determine in its sole discretion that an account is ineligible for the promotion because the activity on the account was limited to only the actions needed to qualify for the bonus.
A qualifying account must be funded, remain open and in good standing to receive the bonus.
Qualifying accounts earn the standard 1.50% cash back (up to $10 per month) on net debit card purchases.
This offer adds a monthly cash back bonus, which is an additional 6.00% cash back on net debit card purchases.
For example, $100 of debit card purchases would result in $1.50 in standard cash back for a qualifying account.
The cash back bonus on $100 would be 6.00% of $100, which equals $6.00.
In total, the account would earn $7.50 ($1.50 standard cash back + $6.00 cash back bonus) for the month, which is 7.50% cash back. The standard cash back will appear at the start of the next month.
The cash back bonus will appear within 3 business days after the start of the month.
This is a 12 month promotion.
Month one is the account opening month and it continues for the next 11 months.
For example, an account opened March 15, 2024 will earn on net debit card purchases during March (Month 1) through the end of February 2025 (Month 12).
To earn the $50 eBanking login bonus, the member must register for eBanking and login within 30 days of account opening. The eBanking bonus will be paid within 30 days of the action completion. To earn the $50 mobile wallet bonus, the member must successfully register their Ardent Visa debit card with either Apple Pay or Android Pay within 30 days of account opening.
The mobile wallet bonus will be paid within 30 days of the action completion. PLEASE NOTE: To be eligible for the bonus, regular deposit and transaction activity consistent with normal day-to-day spending patterns must be evident during the promotional period (365 days from account opening date). Limit one Cashback Checking account per member.

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Our Take on the Offer

The latest Ardent Credit Union checking account bonus certainly catches the eye—a whopping $700 checking bonus. However, as enticing as this figure might seem at first glance, it’s crucial to peel back the layers and understand what this deal truly entails, especially when compared to their previous $350 bonus, which came with significantly fewer strings attached.

Firstly, the sheer volume of requirements to earn the full $700 bonus over 12 months might be a deterrent for some. While initiatives like logging into eBanking and enrolling your debit card in a mobile wallet are straightforward, the ongoing monthly requirements demand consistent attention. Members are required to receive qualifying recurring direct deposits of $100 or more, opt for eStatements, and notably, make at least 8 debit card transactions monthly.

The catch that stands out most, however, is the need to spend over $666 per month using the debit card to achieve the maximum cash back of up to $50 per month. This stipulation not only necessitates a significant monthly spend but also ties a large portion of one’s budget to this specific debit card. For some, this could be a savvy way to maximize returns on regular spending. Yet, for others, it might represent an unwelcome constraint, pushing them to spend more than they’re comfortable with or altering their spending habits unnaturally to meet the bonus criteria.

Comparatively, Ardent’s previous offer of a $350 bonus with fewer requirements offered a more accessible and perhaps more appealing option for the average user. The lower bonus amount came with less pressure to meet high spending thresholds and fewer hoops to jump through, making it a more straightforward and potentially more attractive deal for individuals looking for simplicity and ease in banking bonuses.

In short, while the $700 bonus from Ardent Credit Union is undoubtedly generous, it’s essential to weigh the effort and spending required to unlock this bonus against your financial habits and goals. For those who naturally meet these spending thresholds and can easily adhere to the monthly requirements, this offer could represent a lucrative opportunity. However, for individuals seeking simplicity and minimal requirements in their banking bonuses, the previous $350 offer might have been more in line with their preferences. As always, the value of such deals is highly personal and depends on one’s financial situation, spending habits, and willingness to engage with the credit union’s requirements.

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