TopLine Financial Credit Union is offering new members a substantial $300 cash bonus for opening their Totally Free Checking account and meeting straightforward direct deposit requirements through the end of 2025.
Want the best bank bonuses nationwide? Check out our top picks here—including huge offers from BMO, CIT Bank and Axos Bank that you won’t want to miss!
The Offer Overview
Bonus Amount: $300 cash reward
Account Required: Totally Free Checking
Promotion Expires: December 31, 2025
Minimum Opening Deposit: $50
Membership Requirement: $5 Share Savings Account required
How to Earn Your $300 Bonus
Step 1: Open a Totally Free Checking account with $50 minimum deposit
Step 2: Set up direct deposit of at least $1,000 monthly
Step 3: Maintain $1,000+ direct deposits for 3 consecutive months
Step 4: Sign up for eStatements
Step 5: Keep account open for 6 months minimum
Step 6: Receive $300 deposited to your share savings account approximately 4 weeks after completing requirements
Trending Checking Account Deal:
BMO Cash Bonus: Earn an Easy $400 Checking Cash Bonus*
Open a new BMO Smart Advantage Checking or BMO Smart Money Checking account and earn a $400 cash bonus* when you receive at least $4,000 in qualifying direct deposits within the...Show More
Open a new BMO Smart Advantage Checking or BMO Smart Money Checking account and earn a $400 cash bonus* when you receive at least $4,000 in qualifying direct deposits within the first 90 days. Enjoy no monthly maintenance fees, no minimum balance requirements, and access to over 40,000 fee-free ATMs nationwide. Act now before it ends 9/8/25 Show Less
Key Requirements & Timeline
Direct Deposit Details:
- Amount: Minimum $1,000 per month
- Duration: 3 consecutive months
- Qualifying Deposits: Salary, pension, Social Security, or other regular monthly income through ACH
- Non-Qualifying Deposits: Account transfers, PayPal, Venmo, Zelle, mobile deposits, branch/ATM deposits
Account Maintenance:
- Must remain open for 6 months minimum
- Account must be in good standing at time of bonus fulfillment
- eStatements enrollment required
Membership Requirements
New Members Only:
- No prior checking relationship with TopLine in last 12 months
- Must open $5 Share Savings Account for membership
- Available to individuals eligible for TopLine membership
Geographic Service Area:
- Based in Maple Grove, Minnesota
- Serves members throughout Minnesota and surrounding areas
Trending Savings Account Deal:
CIT Bank Platinum Savings: Earn Up to $300 plus 3.85% APY
Looking for a safe, high-yield place to grow your savings before the year ends? With CIT Bank’s limited-time Platinum Savings offer, you can earn up to a $300 cash bonus when you...Show More
Looking for a safe, high-yield place to grow your savings before the year ends? With CIT Bank’s limited-time Platinum Savings offer, you can earn up to a $300 cash bonus when you deposit and maintain qualifying balances by December 8, 2025—plus enjoy a standout 3.85% APY on balances of $5,000 or more. That’s over nine times the national average, with no monthly fees and full FDIC insurance for peace of mind. Open your account online with as little as $100, fund it easily through transfer or mobile deposit, and start earning one of the most competitive savings rates in the country today. Show Less
Account Benefits
Totally Free Checking Features:
- No monthly maintenance fees
- Free online and mobile banking
- Access to shared branching network
- Competitive rates and member benefits
Additional TopLine Services:
- Full range of personal and business banking
- Loan products and credit cards
- Investment and insurance services
- Financial education resources
Important Terms & Conditions
Bonus Payment:
- Deposited to share savings account (not checking)
- Approximately 4 weeks after completing all requirements
- Reported as income on 1099-MISC form
- Member responsible for applicable taxes
Reclaim Rights:
- TopLine reserves right to reclaim $300 if requirements not met
- Account must remain in good standing throughout qualification period
- All conditions must be satisfied within specified timeframes
Eligibility Restrictions:
- Must have no prior checking relationship in last 12 months
- Account must be open and in good standing at fulfillment time
- Subject to credit union membership eligibility requirements
TRENDING DEAL:
Maximize Your Money with the Axos One High-Interest Checking & Savings Bundle!
Unlock financial growth with the Axos One Bundle! Earn high interest with an impressive 4.51% 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 4.51% 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 10/3/2025. 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 4.51% 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. Show Less
Disclaimers:
The Annual Percentage Yield (APY) is accurate as of 10/3/2025. 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 4.51% 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. Show Less
Getting Started
Online Application:
- Members: Simple online form available
- Non-Members: Join TopLine online first, then open checking account
In-Person Options:
- Visit branch location in Maple Grove, Minnesota
- Staff can handle membership and account opening process
Contact Information:
- Local: (763) 391-9494
- Toll Free: (800) 626-1448
- Email: Ask@TopLinecu.com
- Address: 9353 Jefferson Highway, Maple Grove, MN 55369
Direct Deposit Setup
Qualifying Sources:
- Employer payroll
- Pension payments
- Social Security benefits
- Other regular monthly income via ACH
Timeline Considerations:
- 3 consecutive months required
- Must begin from account opening date
- Plan payroll changes accordingly to meet requirements
Why Choose TopLine Financial Credit Union
Member Benefits:
- Credit union member-ownership structure
- Competitive rates on deposits and loans
- Personalized service and community focus
- Comprehensive financial services
Digital Banking:
- Full online and mobile banking capabilities
- Modern technology with credit union personal touch
- 24/7 account access and management
See the Best Checking & Savings Account Bonuses and Start Earning Free Cash Today
Bottom Line
This $300 checking bonus offers excellent value for members who can maintain $1,000+ monthly direct deposits for three consecutive months. The requirements are straightforward and achievable for most working individuals.
Best For:
- Minnesota residents eligible for TopLine membership
- New members with steady income of $1,000+ monthly
- Those comfortable with 6-month account commitment
- People seeking long-term credit union relationship
Strategic Considerations:
- The 3-consecutive-month requirement means you need consistent direct deposits
- 6-month minimum account commitment extends beyond bonus qualification period
- Bonus paid to savings account, not checking account
- Tax implications should be considered (1099-MISC reporting)
Pro Tip: Since the bonus is deposited to your share savings account, you’ll earn additional dividends on the $300 while it remains in savings, adding to your total benefit.
Routing Number: 291074696
With the promotion ending December 31, 2025, interested applicants should apply soon to ensure they have adequate time to complete the 3-month direct deposit requirement and 6-month account maintenance period.
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