Service Credit Union is offering a $100 cash bonus for members who open a new Everyday or Dividend Checking account with a minimum initial deposit of $100.
- Update 12/21/23: The offer is back with no expiration date listed.
Membership Information For Service Credit Union:
Membership in Service Credit Union is open to the following: (1) employees of the Department of Defense and their families; (2) those current members, veterans, retirees and reservists in all branches of the U.S. Armed Forces and their families; (3) those who live or work in Belknap, Cheshire, Carroll, Grafton, Coos, Merrimack, Hillsborough, Rockingham, Strafford, and Sullivan Counties in New Hampshire; (4) those who live or work in Bourne, Falmouth, Sandwich, and Mashpee Townships in Massachusetts; (5) employees of America’s Credit Union Museum, Armed Forces Financial Network, Credit Union Executive Society, Credit Union National Association, National Association of Federal Credit Unions, National Association of State Chartered Credit Unions, and Defense Credit Union Council; (6) family members of someone who is serving or has served in any branch of the military or Department of Defense; (7) those who live or work in the state of New Hampshire.
See current membership info.
Membership in Service Credit Union is open to the following: (1) employees of the Department of Defense and their families; (2) those current members, veterans, retirees and reservists in all branches of the U.S. Armed Forces and their families; (3) those who live or work in Belknap, Cheshire, Carroll, Grafton, Coos, Merrimack, Hillsborough, Rockingham, Strafford, and Sullivan Counties in New Hampshire; (4) those who live or work in Bourne, Falmouth, Sandwich, and Mashpee Townships in Massachusetts; (5) employees of America’s Credit Union Museum, Armed Forces Financial Network, Credit Union Executive Society, Credit Union National Association, National Association of Federal Credit Unions, National Association of State Chartered Credit Unions, and Defense Credit Union Council; (6) family members of someone who is serving or has served in any branch of the military or Department of Defense; (7) those who live or work in the state of New Hampshire.
See current membership info.
READ MORE: WELCOME OFFERS FROM CHASE AND BMO.
Service Credit Union $100 Checking Bonus
- What you’ll get: $100
- Where it’s available: Nationwide via membership in the American Consumer Council
- How to earn it:
- Must be a member of Service Credit Union with at least $5 in a primary savings account and open a new Everyday or Dividend Checking account with a minimum initial deposit of $100 to qualify for the $100 bonus.
- When it expires: None listed
Waive The Monthly Fee
Everyday Checking is free of monthly service charge.
Fine Print
- Qualified bonus will be deposited into the share savings account at the end of the 90 days if all criteria has been met.
- If they, in their sole discretion, determine that you have engaged in abuse, misuse, or gaming in connection with this offer in any way or that you intend to do so, they may not credit the bonus to, they may freeze the bonus to, or they may take away bonus from your account.
- The credit union will issue a 1099-INT for tax purposes.
- Cannot be combined with any other checking offers.
- Only one checking account is permitted per membership.
Bottom Line
The bonus amount is small but there is no direct deposit requirement so might be worth looking into.
Other offers you make like: Chase bonus, Aspiration bonus, Bank of America bonus, and more here.
READ MORE: SEE THE BEST BANK BONUSES HERE AND THE BEST INVESTING BONUSES HERE.
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Referral code: P2K0424498948
Here’s my timeline for this bonus:
7/25 – Applied with family member’s referral code in the small window that pops up after you select the Everyday checking account. You can select the Dividend account, but the Everyday one is free and qualifies for the bonus. If you need to sign up for the American Consumer Council, you can do so with the promo code consumer to make it free.
7/26 – I received an email to send over certain documents, like my drivers license, social security card, and proof of residence (I used my lease agreement for this). If you don’t have the documents that they are looking for, try sending over something similar to see if they will accept it. They did not mention a lease agreement being an acceptable document for proof of residence, but they accepted it anyway.
7/27 – I sent all documents over secure email, as well as in the online portal.
7/28 – It was confirmed by email that all relevant documents were received successfully.
7/30 – Welcome/approval email received with a pdf attachment containing account number. Also, my account funding with my Citi card posted as a purchase, $244 for checking, and $5 for savings separately.
8/1 – Online banking registered, and account credentials used to link account directly to Sofi Money. I initiated my $500 deposit from Sofi to Service CU on this day as well.
8/3 – I received my bonus using Sofi Money as my $500 deposit. Bonus posted same day as deposit received.
8/4 – Transferred the $500 deposit over to my Primary Savings account and will keep it there as this savings account gives 5% APY on up to $500 with no additional requirements. I thought about opening the Holiday Savings account for 3% on $3,000, but it seems rather strange that you can only receive interest payments in November and not monthly.
What a fast bonus payout, as it took about a week and a half after initially applying for the account to get the bonus posted. Many thanks to anyone who uses my referral code P2K0424498948 to take advantage of this fast and easy checking account bonus. Thanks in advance!
Referral code: P2K0424026602
I received my $100 bonus within 24 hours of my direct deposit posting to my checking account. I first applied for my accounts exactly one week ago, so I am grateful that the deposit and bonus both posted so quickly. Here’s what you need to do:
1. Fill out the application from the link on this page, and attach copies of your drivers license, American Consumer Council membership certificate, Social Security card or birth certificate, and proof of residency document to the application. If you don’t attach these documents to the application, they will likely ask you for them later on in order to approve you.
2. Make sure to add both Primary Savings and free Everyday Checking accounts.
3. On the pop up window that appears for your selected Everyday Checking account, make sure to exactly type or copy and paste in the referral code that you wish to use for your application. My referral code is here: P2K0424026602
4. Fund your accounts with a credit card if you can. Citi has posted as a purchase for me and others, so use a Citi credit card if you can. Bank of America CC’s also seem to work. I added $244 to checking and $5 to savings.
5. Submit your application. I don’t think anyone has been instantly approved for this account, so it will take a couple of business days for them to get back to you. If they ask for any documents from you, send them as soon as you can in image, not pdf, format as a reply to the secure email address that they write to you from.
6. Once they email you to let you know that your account has been opened, use your account and PIN numbers found in the attached pdf file to your email to enroll in online banking. Once I was able to do this, I was immediately able to link my account to Sofi Money to get a headstart on my direct deposit. My deposit posted to my checking account within 2 business days, and my bonus almost 24 hours after that.
If you found my post at all helpful to you, please consider using my referral code above to sign up for your Service Credit Union checking and savings accounts. Thanks very much in advance!
Referral code: P2K0416948188
Make sure you apply for this deal as soon as possible if you haven’t already. Follow the steps below to earn your $100 sign up bonus:
1. Sign up for the American Consumer Council if you haven’t already. Use promo code consumer to make it free.
2. Check your email to download your certificate and upload it on your SCU application along with your photo ID, second form of ID and proof of address. A lease agreement also counts for this even though it is not on their list of accepted documents.
3. Apply for an Everyday or Dividend checking account, plus a required Primary savings account (5% APY up to $500), and, if you want, a Holiday savings account (3% APY up to $3,000). On the pop up you get after selecting the free Everyday account, enter the following referral code: P2K0416948188
4. If you receive an email a day or two after applying asking for documents, send whatever they ask for by attaching them as a direct reply to the email, or uploading them to the portal.
5. You will receive a reply that your documents have been received, and another reply when you have been accepted to the credit union, along with an attached pdf document containing your member and account number.
6. Set up a $500 direct deposit from the bank of your choice (I used Sofi Money), or make a $500 mobile check deposit to trigger the $100 bonus.
7. Your $100 bonus should post the same or next day as your $500 deposit, and your credit card funding, if any, should post to your account within a few days of opening. Btw, Citi counts as a purchase, and Chase counts as a cash advance.
Thank you for reading, and good luck on earning your bonus!
This bonus is supposedly ending the end of this week so I would sign up ASAP if you want the $100 bonus (and the savings accounts).
My referral code code is P2K0417781874
I would recommend joining the ACC first as they may require you to send the certificate (which you should receive immediately by email) to prove your membership. I was already an ACC member from years ago.
I recommend signing up for the required savings (for 5% on up to $500), the Everyday checking (for the $100 bonus) and the Holiday savings (for 3% on up to $3000).
You enter the referral code when you add the Everyday checking to the application.
They don’t appear to be Chex sensitive as I was approved with a lot of Chex inquiries and haven’t seen many people mention getting denied for the accounts.
You may need to check your emails a few times as they request several things from you (nothing too unreasonable).
I made a $500+ transfer from All America bank and that triggered the bonus so any $500+ ACH transfer appears to qualify for the bonus.
I used a Bank of America Cash Rewards Visa credit card to fund the accounts. It counted as a purchase but did not count as an “online purchase” for the extra CB.
Here is my referral code again (in case you missed it): P2K0417781874
Thanks for anyone that uses it to sign up. Let me know if you have any questions.
My referral code- P2K0413361801
These are the steps required to complete the referral offer-
This credit union technically services the New Hampshire and Massachusetts markets, but they also allow anyone nationwide to sign up so long as you join the ” American Consumer Council” (which is totally free). To sign up for that, click on this link and just fill out the “one person per application” section at the bottom of the page and enter “consumer” for the membership code to get your ACC membership for free. https://www.americanconsumercouncil.org/membership.asp
Within a few minutes, you should get an email from the ACC titled “Welcome Message and Membership Certificate from the American Consumer Council”, which includes your membership number. You can now open your account with the Service Credit Union. Start by opening this link (this is not the referral link, that’s coming up in a couple steps)- https://servicecu.org/pays-2-know-referred,
Click “Open a Checking Account” and then “new member account”. Under “Select your eligibility”, click the ACC option at the bottom of the list, then click “ACC member” and enter your ACC member number from the email you received from them in steps 1-2.
Next, under “required products”, press the + button on the primary savings account and click “add account”.
Under Available Products, find Everyday Checking, press the + sign. On the question “Did a friend refer you through the Pays 2 Know Program?*” Select “Yes” and paste my referral code in the “Enter the referrer’s Unique ID: *” box, P2K0413361801 then click “add account”. Just as an FYI also, you will need to fund your accounts with an initial deposit of at least $5 each.
You then can upload your ACC certificate, ID or D/L, and address verification during the application, or later from the application status page. This will accelerate your application processing time. Proceed through the application
You will see a field named “Promo code”. Keep that blank. You are being referred, so a promotion code is not required.
Expect an e-mail from sender “membership” first, where they request any documents needed, or to inform you they are forwarding the application for review.
You can check the application status from the same page where you opened the account (step 2) by clicking “Check Status”. You can also send them messages in that portal. You may or may not get a Docusign request as well.
Eventually, you should get a Welcome e-mail with your Member Number, which may/may not have an attached PDF file with your “Call24 PIN”. You need this PIN to signup for your Online Banking Login. The PIN is the last 4 of your SSN.
Once you’re set up for online banking, you just need to deposit $500 and then you are done. They are technically looking for a direct deposit from payroll, however, there are plenty of easier ways to trigger the bonus. You can deposit the $500 from virtually any bank, or use their app and do a mobile check deposit to yourself for $500.
Once your $500 clears, you should then get your $100 bonus within 1 business day, at which point you can withdraw all your money fee free and close your account if you wish!
Thank you!
Summary of steps:
1. Join the American consumer council here for free with the promo code consumer.
https://www.americanconsumercouncil.org/membership.asp?dname=Americanconsumercouncil.org
2. Apply online https://servicecu.org/pays-2-know-referred/ and enter in your American Consumer Council membership code emailed to you. When you add Everyday checking to your account selection it will ask if a friend referred you. Click yes and enter a referral code. Much appreciated if you use mine: P2K0423805381
3. Mine did not auto-approve, went pending and I got an email requesting 2 forms of ID and address verification. Got this sent in and approved a few days later.
4. My bonus posted immediately after I deposited a $500 check to myself. Submit the form here https://servicecu.org/pays2know/ to get your own referral code.
Thanks for reading and feel free to ask any questions.
Service Credit Union also offers 5% interest on up to $500 in Primary Savings, and additional 3% interest on up to $3,000 in Holiday Club Savings account. Great rates!
Account was soft credit pull/inquiry. They will need to you to thaw your credit bureaus if they are frozen for identity verification. You may want to have CreditKarma open when applying as they ask 5 questions about your credit reports during the application.
Was able to join out of state with American Consumer Council membership which is free with membership code “consumer” without the quotes.
Everyday Checking is the best option to get the $100 referral. When you add it, select “Yes” for “Did a friend refer you through the Pays 2 Know Program?” If any of above is helpful, you can use my code P2K0417023935 .
Can also confirm they are listed on my ChexSystems report.
Thanks everybody!
Also, the link to USE a referral code seems missing (the link in the post allows to GENERATE a referral code).
Once you have a referral code, you can go to the following link to sign up:
https://servicecu.org/pays-2-know-referred/
Hope that helps!
Melissa,
Thanks for that detail update.
Tony,
Happy to help! You may want to remove the state restrictions in the title, as they are definitely available nationwide with free (with promo code “consumer”) membership in the American Consumer Council https://www.americanconsumercouncil.org/membership.asp?dname=Americanconsumercouncil.org .
For anyone trying to generate their own referral code, follow these steps:
1) Make sure your checking account is open and you have at least $5 in your primary savings account
2) Go to https://servicecu.org/pays2know/ and enter the email address associated with your account profile
3) Open the “Refer a Friend to Get $100” email and click the “Click here” link at the bottom of the email
4) The link creates a new draft email, which contains your referral code (the link isn’t limited to a single use)
If you haven’t opened your accounts yet, I’d appreciate if you use my referral code P2K0415196949. Thanks in advance.
This credit union will approve members nationwide if you join the American Consumer Council (ACC). It’s free to join the ACC with Membership Code “service” or “consumer”. They will ask you for your ACC member number and certificate.
The Everyday Checking account is fee-free. On the application, once you select the checking account, there will be a question “Did a friend refer you through the Pays 2 Know Program?*”. Once you select Yes, it will say “Enter the referrer’s Unique ID:*”, you can paste my code: P2K0419451052
They likely do pull Chex, but there is no hard pull of your credit. Best of luck!
Here is my referral code if anyone wants to use it: P2K414746653