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4Front Credit Union
4Front Credit Union Straight4ward Rewards Checking $400 Bonus
4Front Credit Union pays you $400 when you open a Straight4ward Rewards Checking account with promo code 4FRONT400 and, for three consecutive months, log in to mobile banking, deposit at least $500, enroll in e-statements, and make 15 debit card purchases. No employer direct deposit is required. The bonus posts to your savings on the first business day of the fourth month. Available to West Michigan residents.
- Bonus amount
- $400
- Time to complete
- ~90 days
- Bonus deposited in
- ~95 days
- Difficulty
- Medium
Requirements
Last verified: Jul 12, 2026
Open an account
Open a new 4Front Straight4ward Rewards Checking account with promo code 4FRONT400. A $1 deposit to a Prime Share opens membership.
Deposit $500 each month
Deposit at least $500 into the account in each of three consecutive months. Direct deposit is not required; any deposit, including an ACH transfer from another bank, counts.
15 debit purchases each month
Make at least 15 purchases with your 4Front debit Mastercard in each of the three consecutive qualifying months.
Enroll in e-statements
Enroll in and keep e-statements for the account during the qualifying period.
Log in to mobile banking
Log in to 4Front mobile banking at least once in each of the three qualifying months.
The $400 is deposited to your Prime Share savings on the first business day of the fourth month, after you meet the requirements in each of the three qualifying months.
Tips & Gotchas
- →Use promo code 4FRONT400 when you open the account. Accounts opened without it do not qualify.
- →No direct deposit is required. Any deposit of $500 or more in a calendar month satisfies the monthly deposit requirement.
- →You must complete all four monthly steps (deposit, 15 debit purchases, e-statements, and a mobile login) for three consecutive months, so plan for recurring debit card use.
- →The offer is aimed at West Michigan residents and is offered through the Holland, Zeeland, and Muskegon branches. You can apply online or in a branch.
- →The bonus posts to your Prime Share savings on the first business day of the fourth month.
Account Details
Meet the monthly requirements for three consecutive months. The bonus is deposited to your Prime Share savings on the first business day of the fourth month, so keep the account open and in good standing until then.
Eligibility
Not valid for current 4Front members, anyone with a 4Front account closed within the last three months, or members who received a 4Front payout within the last 36 months.
- Membership is limited to 4Front's field of membership in West Michigan. The promotion is offered through the Holland, Zeeland, and Muskegon branches; you can apply online or in a branch.
- Must use promo code 4FRONT400 when opening the account.
Can You Earn This Bonus Again?
Fine Print
Open a new Straight4ward Rewards Checking account with promo code 4FRONT400 and meet the monthly criteria for three consecutive months: log in to mobile banking at least once, deposit $500 or more (direct deposit not required), enroll in e-statements, and make 15 or more debit Mastercard purchases. The $400 is deposited to your Prime Share savings on the first business day of the fourth month. Minimum balance to obtain the bonus is $1. Offer not valid for current members, those with accounts closed within the last three months, or those who received a 4Front payout within the last 36 months. Account must remain open, active, and in good standing. Available only at 4Front's Zeeland, Holland, or Muskegon branches. Bonus may be reported on IRS Form 1099-INT.
Taxable income · Reported on 1099-INT
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What is a hold period?
The minimum time you must keep your balance in an account before the bonus is paid out.
What is APY (Annual Percentage Yield)?
The annual interest rate on a savings account, expressed as a percentage of your balance with compounding included. On accounts we track, APYs currently range from 0.01% at big traditional banks to 4.50% at the best online accounts.
Do Bank Bonuses Show Up on a 1099-INT?
Yes. Bank bonuses are taxable income. Once you earn $10 or more from a single bank in a calendar year, the bank sends a 1099-INT and you report it as ordinary income on your tax return.
Also see: this month's best bank bonuses and community DD data points.
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