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Update: Xceed FCU has merged with Kinecta.
Xceed Financial Credit Union promotions and bonus offers can be found updated here. Typical offers range from $100 to $200.
Xceed Financial CU is headquartered in El Segundo, California. They have 11 locations throughout California, New Jersey, New York and Pennsylvania.
I’ll review the current offers below.
[Expired] Xceed Financial Credit Union $200 Offer
Earn up to a $200 bonus for you and your friend with this offer from Xceed financial. There’s no limit to the number of friends you can refer or rewards you can receive.
- Bonus offer expires 12/31/2019
- Available nationwide with membership
- Direct deposit is required for the bonus
- Monthly fees: $10
How To Earn The Bonus
- To qualify for the $100 referring member bonus, the referring member must be an existing Xceed member in good standing, and the referral must have been submitted by December 31, 2019, through the Xceed BankingWorthSharing.com microsite or the official Banking Worth Sharing form.
- The referring member would also receive an additional $100 referring member bonus for a total of $200 if the referring member has an active Xceed Visa® debit card, has signed up for online banking with eStatements, has signed up for overdraft protection, and is receiving a direct deposit of at least $500 per month in an Xceed Signature checking account (evidenced by two consecutive months of ACH payroll deposits).
- The $100 or $200 bonus will be credited to the referring member’s account within 30 days after the referred member account has been open for 90 days.
- $200 Referred Member Bonus: Existing members who open new accounts do not qualify for the $200 bonus.
- To receive the $200 bonus, new referred members must open their Xceed Signature Checking account by December 31, 2019, maintain the new account active and in good standing for at least 90 days, have direct deposits of at least $500 per month to the account (evidenced by two consecutive months of ACH payroll deposits within the first 90 days of account opening), is signed up for online banking with eStatements, sign up for overdraft protection, and have a Visa® Platinum debit card issued.
- The $200 bonus will be credited within 30 days after the account has been open for 90 days.
- Xceed Platinum Visa® Debit Card with exclusive benefits from Visa, including Personal ID Theft Coverage up to $10,000 and Roadside Dispatch
- Rebate for debit card purchases ($0.05 per transaction, up to $5 per month)
- Tiered dividend (AKA interest) rates
- No Xceed fees for all ATM withdrawals
- Loan discounts available
- Free first book of checks
- Overdraft privilege available
Signature Checking has a $10 monthly service charge.
Waive the service charge with:
- Direct deposit of at least $500 per month into the account; or
- Aggregate membership balance greater than or equal to $25,000; or
- Primary account owner under 26; or
- Primary account owner active military3; or
- Account open less than 90 days
- Limit one referring member bonus per referred member.
- No limit to how many new members can be referred.
- Total referral bonuses equal to $600 or more will be reported on the IRS Form 1099-MISC.
- The $200 will be considered as dividends and will be reported on the IRS Form 1099-INT.
- All new account applicants are verified through ChexSystems, must qualify for membership and must open a primary share savings account.
- No minimum balance required to open the account.
- Cannot combine with any other offer.
- Fees incurred could reduce earnings on these accounts.
Probably only worth looking at if you’re near a branch and actually use Xceed Financial for your Checking needs. Compare this offer with the best bank offers here.