America's Credit Union
America's Credit Union Momentum+ Rewards Checking $50 – $200 Bonus
America's Credit Union pays you $50, $100, $150, or $200 for opening a Momentum+ Rewards Checking account alongside a Momentum+ Rewards Savings account. The tier is set by your monthly direct deposit total in the third full month after opening: $600 pays $50, $1,500 pays $100, $3,000 pays $150, and $5,000 pays $200. No promo code is needed and there is no debit card requirement.
- Bonus range
- $50 – $200
- Time to complete
- ~120 days
- Bonus deposited in
- ~150 days
- Difficulty
- Medium
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Requirements
Last verified: Aug 21, 2026
$50 Tier
Open checking and savings together
Open a Momentum+ Rewards Checking account and a Momentum+ Rewards Savings account at the same time. A $25 deposit establishes your membership. Both accounts have to stay open and in good standing until the bonus is paid.
Receive $600 in direct deposits that month
Receive qualifying direct deposits totaling $600 or more during the third full month-end cycle after you open. Qualifying deposits are payroll, pension, or government benefits. Person to person payments such as Zelle, Cash App, PayPal, and Venmo do not count, and neither do transfers or deposits you make yourself.
$100 Tier
Open checking and savings together
Open a Momentum+ Rewards Checking account and a Momentum+ Rewards Savings account at the same time. A $25 deposit establishes your membership. Both accounts have to stay open and in good standing until the bonus is paid.
Receive $1,500 in direct deposits that month
Receive qualifying direct deposits totaling $1,500 or more during the third full month-end cycle after you open. Qualifying deposits are payroll, pension, or government benefits. Person to person payments such as Zelle, Cash App, PayPal, and Venmo do not count, and neither do transfers or deposits you make yourself.
$150 Tier
Open checking and savings together
Open a Momentum+ Rewards Checking account and a Momentum+ Rewards Savings account at the same time. A $25 deposit establishes your membership. Both accounts have to stay open and in good standing until the bonus is paid.
Receive $3,000 in direct deposits that month
Receive qualifying direct deposits totaling $3,000 or more during the third full month-end cycle after you open. Qualifying deposits are payroll, pension, or government benefits. Person to person payments such as Zelle, Cash App, PayPal, and Venmo do not count, and neither do transfers or deposits you make yourself.
$200 Tier
Open checking and savings together
Open a Momentum+ Rewards Checking account and a Momentum+ Rewards Savings account at the same time. A $25 deposit establishes your membership. Both accounts have to stay open and in good standing until the bonus is paid.
Receive $5,000 in direct deposits that month
Receive qualifying direct deposits totaling $5,000 or more during the third full month-end cycle after you open. Qualifying deposits are payroll, pension, or government benefits. Person to person payments such as Zelle, Cash App, PayPal, and Venmo do not count, and neither do transfers or deposits you make yourself.
The credit union measures your direct deposits during the third full month-end cycle after opening and credits the bonus the following month, so plan on about five months from account opening.
Account Details
- Direct deposits totaling more than $600.00 per month
Both the checking and the savings account have to be open and in good standing when the bonus is paid, which lands about five months after opening.
Eligibility
Open to people who have not had a checking account at the credit union in the past 12 months. Not available for account conversions.
- This is America's Credit Union of Garland, Texas. It is a different institution from the Washington state credit union of the same name.
- Texas eligibility covers anyone who lives, works, worships, or attends school in Dallas, Collin, or Rockwall County.
- Missouri eligibility covers the Greater Springfield metro area on the live application, and the marketing page also names several select employer groups.
- Family members of anyone eligible can join.
- Limit one bonus per membership.
Tips & Gotchas
- →Only the third full month after opening is measured. You do not need to hit the tier every month, but you do need to hit it in that specific month.
- →The checking account carries a $9.99 monthly fee that is waived only when your direct deposits total more than $600 in a month. At the $600 tier you are right on the line, so aim slightly above it.
- →You have to open the Momentum+ Rewards Savings account alongside the checking account. Opening checking alone does not qualify.
- →There is no promo code and no debit card spending requirement, which makes this simpler to track than most tiered bonuses.
- →This is America's Credit Union of Garland, Texas. Do not confuse it with the Washington state credit union that shares the name.
- →Membership runs through Dallas, Collin, and Rockwall counties in Texas plus the Greater Springfield, Missouri metro area. Family members of anyone eligible can join.
- →The marketing page says to hit your tier for 3 months, but the governing disclosure measures only the third full month. Terms govern, so read the disclosure before you plan around it.
Can You Earn This Bonus Again?
Fine Print
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. Determination of qualifying direct deposits is at the Credit Union's discretion. 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. Bonus funds will be reported as dividend income and will be reported on IRS form 1099-INT. Offer subject to change.
Taxable income · Reported on 1099-INT
Related Articles
What is a direct deposit?
An electronic payment sent directly into your bank account, usually from an employer or government.
Does Zelle Count as Direct Deposit for Bank Bonuses?
Usually no. At most banks a Zelle payment arrives coded as peer-to-peer and will not trigger the bonus. Citi is the clear exception. Its Enhanced Direct Deposit terms name Zelle as a qualifying deposit, and every Zelle report we have from Citi got paid.
What is a fee waiver?
A condition you can meet to have the monthly maintenance fee on an account waived.
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