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FourLeaf Federal Credit Union logo

Personal Bank Account

FourLeaf Federal Credit Union

Bonus

$550

APY

0.40%

Monthly Fee

None

To Qualify

$12,500 Direct Deposit over 24 months

Availability

Nationwide

Expires

12/31/2026

View Offer

Bonus Details

$350 bonus when you open a new checking account and receive a qualifying direct deposit of $500 or more within 90 days of account opening.

Additional $100 bonus when a qualifying direct deposit continues to post for 12 consecutive months after the initial qualifying direct deposit.

Additional $100 bonus when a qualifying direct deposit continues to post for 24 consecutive months after the initial qualifying direct deposit.

How To Qualify

Receive a recurring paycheck, pension or government-benefit deposit of $500+ within 90 days, then monthly for 24 consecutive months after that initial month to earn all $550 ($12,500 minimum total); missing a month forfeits subsequent bonuses. Keep checking open and in good standing through each payout, made within 60 days of qualifying.

APY Requirements

Earn 0.40% APY each month with online banking and eStatements, direct deposit, and 10 point-of-sale debit card transactions posted by month-end. Otherwise, 0.00% APY.

The Fine Print

Monthly Fees
None
Credit Inquiry
Soft Pull
Household Limit
None listed
Account Type
Personal Bank Account
Expiration Date
12/31/2026
ChexSystems
Yes
Additional Requirements
Membership requires maintaining $5 in savings; checking requires $5 to open online or $0 in branch. Existing primary FourLeaf checking holders and prior FourLeaf/Bethpage checking bonus recipients are ineligible.
Availability
Nationwide

Branches are in New York but membership is available nationwide.

Official offer terms

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

Up to $550.00 Checking Bonus Offer [1] Offer details: To be eligible for the FourLeaf Checking Up to $550 Bonus Offer and receive up to a maximum of $550.00 in bonuses, you must not have an existing FourLeaf checking account in which you are the primary account holder on the checking account and have not previously received a new checking account opening related bonus from FourLeaf Federal Credit Union (formerly known as Bethpage Federal Credit Union). To receive the initial $350.00 bonus (the “First Direct Deposit Bonus”), you must open a Free Checking, Smart Checking, or Student Checking account with FourLeaf between February 2, 2026 and December 31, 2026, which is subject to approval, and have a Qualifying Direct Deposit (as defined below) post to the checking account within ninety (90) calendar days of account opening date. The First Direct Deposit Bonus will be deposited to the checking account within sixty (60) calendar days following the initial Qualifying Direct Deposit. To receive an additional $100.00 bonus (the “Second Direct Deposit Bonus”), you must continue to have a Qualifying Direct Deposit post to the checking account for twelve (12) consecutive months following the month of the initial Qualifying Direct Deposit. The Second Direct Deposit Bonus will be deposited to the checking account within sixty (60) calendar days of receiving the applicable Qualifying Direct Deposit for the Second Direct Deposit Bonus. To receive an additional $100.00 bonus (the “Third Direct Deposit Bonus”), you must continue to have a Qualifying Direct Deposit post to the checking account for twenty-four (24) consecutive months following the month of the initial Qualifying Direct Deposit. The Third Direct Deposit Bonus will be deposited to the checking account within sixty (60) calendar days of receiving the applicable Qualifying Direct Deposit for the Third Direct Deposit Bonus. If a Qualifying Direct Deposit does not post to the checking account in any subsequent months following the initial Qualifying Direct Deposit, the checking account will not be eligible to receive the Second Direct Deposit Bonus and Third Direct Deposit Bonus. The checking account must remain open and in good standing up to and including the date each bonus is deposited to receive the applicable bonus. A Qualifying Direct Deposit is a recurring electronic deposit of a paycheck, pension, or government benefits (such as Social Security) from an employer, the government, or similar third party of $500.00 or more. Certain types of electronically deposited funds may not be considered a Qualifying Direct Deposit including ATM deposits, debit card transfers, online banking transfers or deposits, and person to person payments such as Zelle®. The Free Checking Account earns a 0.40% Annual Percentage Yield (APY) for each month that the member (i) is enrolled in online banking with eStatements, (ii) receives direct deposit into the Free Checking Account, and (iii) makes 10 point-of-sale debit card transactions from the Free Checking Account. Qualifying transactions must post to the Free Checking Account by the last day of the month. If qualifying requirements are not met in any given month, then the Free Checking Account will not earn dividends and 0.00% APY. There is a minimum balance of $5 to open this account online and $0 when opened in a branch. APY is accurate as of 09/25/2026 and is subject to change, including after account opening, without notice.

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