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Personal Bank Account

America's Credit Union

Bonus

$200

APY

0.10%

Monthly Fee

$10/mo

To Qualify

Any Direct Deposit

Availability

TX

View Offer

Bonus Details

Earn up to $200 with qualifying direct deposits.

How To Qualify

Open Momentum+ Rewards Checking and Savings and meet your monthly direct-deposit tier for three months; bonus deposit tiers are not specified. Eligibility is based on deposits during the third full month-end cycle, with payment the following month. Keep both accounts open and in good standing through payout. Open Savings with $25; checking requires no opening deposit.

APY Details

Checking earns up to 0.10% APY; rates are variable. The base APY is 0.01% when requirements are not met.

APY Requirements

Monthly qualifying direct-deposit tiers: $600 or $1,500 earns 0.05% APY; $3,000 earns 0.07%; $5,000 earns 0.10%.

The Fine Print

Monthly Fees
$10
Account Type
Personal Bank Account
Expiration Date
None Listed
Additional Requirements
One bonus per membership; account conversions are excluded. Existing members must have no current checking account and no credit union checking account within the past 12 months. Qualifying deposits generally include payroll, pension, or government benefits, not transfers, person-to-person payments, or self-funded deposits.
Availability
Texas

Membership is available if you or a family member live, work, worship, or attend school in Dallas, Collin, or Rockwall County, Texas. Employees of Kraft Heinz, Don Johnson's Tobacco World, or Commercial Metals Company in Springfield, Missouri, and family members of eligible Texas or Missouri groups may also join.

Monthly Fee Details

$9.99 monthly maintenance fee, waived when monthly direct deposits exceed $600.

Official offer terms

Source wording for the promotion. View official source Recorded Invalid Date.

Your Rewards, Your Momentum Earn Up TO $200 New Member Bonus Open a Momentum+ Rewards Checking and Savings account. Set up monthly direct deposit. Hit your deposit tier for 3 months. 2 A $9.99 monthly maintenance fee is automatically waived when your direct deposits total exceeds $600.00. 4 Offer valid for qualifying new Momentum+ Rewards accounts. The one-time bonus eligibility is based on qualifying direct deposits received during the third full month-end cycle period after account opening, with the applicable bonus credited the following month. Qualifying direct deposits generally include payroll, pension, or government benefits and exclude person-to-person payments (including but not limited to Zelle®, Cash App®, PayPal®, Venmo®, or similar services), transfers, or deposits made by the account holder themselves. Limit one bonus per membership. Bonus requires opening both a Momentum+ Rewards Checking account and a Momentum+ Rewards Savings account, and both accounts must be open and in good standing at the time the bonus is paid. Bonus not available for account conversions. Members without a checking account who have not had a checking account with the Credit Union in the past 12 months may qualify.

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