Heritage Community Credit Union is offering new members the opportunity to earn up to $500 when opening a new HCCU checking account. The promotion is available through September 30, 2026, and is split into three separate bonuses that are easy to track.
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!
Heritage Community Credit Union $500 Bonus
Bonus Amount: Up to $500
Offer Expires: September 30, 2026
Promo Code: 5002026CK
How to Earn the Bonus
You can earn the full $500 by completing the following requirements:
- Earn $100
- Open a new HCCU checking account.
- Use promo code 5002026CK.
- Make a minimum opening deposit of $25.
- Earn $200
- Complete 40 qualifying debit card purchases within 60 days of opening your account.
- Earn $200
- Receive at least $500 per month in recurring direct deposits within 60 days of account opening.
- Qualifying direct deposits include payroll, pension, Social Security, and other government benefits.
Trending Checking Account Deal:
Important Details
- Offer is available only to new HCCU checking account holders.
- Existing checking account holders and members whose checking account was closed within the last 90 days (or closed with a negative balance) are not eligible.
- The checking account must remain open, active, and unrestricted when each bonus is paid.
- Each bonus is deposited within approximately 30 days after the corresponding requirements have been satisfied.
- Membership eligibility requirements apply.
What Counts (and Doesn’t Count)
Qualifying Debit Card Transactions
Eligible purchases include everyday debit card purchases made with your HCCU debit card.
The following do not qualify:
- ATM withdrawals
- Person-to-person payments
- Returned purchases
- Other non-purchase transactions
Qualifying Direct Deposits
Eligible recurring direct deposits include:
- Payroll
- Pension payments
- Social Security benefits
- Other government benefit payments
The following do not count:
- Zelle® transfers
- Person-to-person payments
- Transfers between your own accounts
- Deposits made through payment apps
Trending Savings Account Deal:
Is the Heritage Community Credit Union Bonus Worth It?
This is a solid checking account bonus because the requirements are straightforward and achievable for many people. Opening the account only requires a $25 deposit, while the remaining bonus is earned by completing regular debit card purchases and setting up a modest recurring direct deposit of $500 per month.
If you’re already planning to switch your primary checking account or set up direct deposit, earning the full $500 requires little more than using your debit card for everyday spending during the first two months.
Bottom Line
The Heritage Community Credit Union Checking Bonus offers up to $500 for new customers who open a qualifying checking account, complete 40 debit card purchases, and establish $500 in monthly recurring direct deposits within 60 days. With a low $25 opening deposit requirement and relatively simple qualifications, it’s an attractive offer for anyone eligible to join HCCU before the September 30, 2026 deadline.
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