Cobalt Credit Union $400 Checking Bonus [IA, NE] – Ends 12/31/26

Cobalt Credit Union is offering Up to $400 for opening Free, Blue, Elite, or Student Spend Checking and completing the current promotion requirements. This offer is Eligible members in Iowa and Nebraska; membership requirements apply.

Bonus Overview

• Bonus: Up to $400
• Account: Free, Blue, Elite, or Student Spend Checking
• Availability: Eligible members in Iowa and Nebraska; membership requirements apply.
• Expiration: December 31, 2026
• Promo code: COBALT400

Eligibility

You must meet Cobalt membership requirements and may not have been the primary owner of a Cobalt checking account during the prior 12 months. Employees are excluded. Limit one bonus per member.

How to Earn the Bonus

• Open an eligible checking account with at least $25 using promo code COBALT400.
• Within 60 days, make six debit-card purchases of at least $10 each.
• Within 60 days, receive recurring qualifying direct deposits totaling $1,000–$2,499.99 for $50, $2,500–$4,999.99 for $200, or $5,000+ for $400.

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Earn $400

Go to the deal

Important Dates and Payout

Offer deadline: December 31, 2026

Cobalt states that the reward is deposited within 61 days after all requirements are completed.

Fees and Important Terms

Free Checking and Student Spend have no monthly maintenance fee. Confirm the current Blue or Elite account fee schedule before selecting those products.

The account must remain open and in good standing through reward payment. Cash rewards may be taxable. Bank and credit-union terms can change, so save the offer disclosure shown during application.

How to Apply

Use the offer button above to review the official promotion. Confirm the offer amount, eligibility, deadlines, and promo code before opening the account.