Suffolk Credit Union is offering a checking account bonus of up to $500 for new Momentum Checking customers who receive qualifying direct deposits during the first six months after account opening.
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 Details
Bonus Amount: Up to $500
Account Required: Momentum Checking
Offer Period: May 22, 2026 through September 7, 2026
How to Earn the $500 Bonus
The promotion is split into two separate $250 bonuses.
Earn the First $250
Within the first 90 days after opening your account, receive qualifying direct deposits totaling at least $2,500.
Earn the Second $250
Between days 91 and 180 after account opening, receive an additional $2,500 in qualifying direct deposits.
Complete both requirements to earn the full $500 bonus.
Trending Checking Account Deal:
Bonus Timeline
After each qualification period ends, Suffolk Credit Union will review your account and deposit the applicable bonus within 10 business days if all requirements have been met.
Deposit Period #1
- Days 1–90 after account opening
- Receive at least $2,500 in qualifying direct deposits
- Earn $250
Deposit Period #2
- Days 91–180 after account opening
- Receive an additional $2,500 in qualifying direct deposits
- Earn another $250
What Qualifies as a Direct Deposit?
Qualifying direct deposits include recurring income payments such as:
- Payroll deposits
- Pension payments
- Social Security benefits
- Other recurring payments from an employer or government agency
The deposit must be sent using the account and routing number of your Momentum Checking account.
What Does Not Qualify?
The following transactions do not count as qualifying direct deposits:
- Teller deposits
- Wire transfers
- ATM deposits
- Internal transfers
- Mobile banking transfers
- Transfers from another bank account
- Brokerage account transfers
- Peer-to-peer payments such as Venmo® or Zelle®
Eligibility Requirements
To qualify for the promotion:
- Open a new Momentum Checking account between May 22, 2026 and September 7, 2026.
- You cannot currently have a Suffolk Credit Union checking account.
- You cannot have closed a Suffolk Credit Union checking account within the past 90 days.
- You cannot have previously received a Suffolk Credit Union checking account bonus.
- Your account must remain open, unrestricted, and in good standing when the bonus is paid.
Additional Momentum Checking Benefits
Momentum Checking includes:
- Access to more than 70,000 surcharge-free ATMs nationwide
- Zelle® payments
- CreditScore+ credit monitoring tools
- Mobile and online banking
- Buy Now, Pay Later features
- CashBack+ rewards opportunities
- Courtesy Pay overdraft protection options
Bonus Points Promotion
New Momentum Checking customers can also earn 2,500 bonus uChoose Rewards points after enrolling and making $1,500 in debit card purchases within the first 180 days.
See the Best Checking & Savings Account Bonuses and Start Earning Free Cash Today
Bottom Line
The Suffolk Credit Union Momentum Checking promotion offers a generous $500 checking bonus with a straightforward direct deposit requirement. Unlike many bank bonuses that require maintaining large balances, this offer simply rewards ongoing direct deposit activity during the first six months. If you can direct at least $5,000 in qualifying deposits to the account over that period, this is one of the better credit union checking bonuses currently available.
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