A+ Federal Credit Union
A+ Federal Credit Union Cash-Back Checking $250 Bonus
A+ Federal Credit Union pays $250 when new members open a Membership Savings and a Cash-Back Checking account with a debit card and promo code 2026OFFER250. $50 lands at opening, and $200 more arrives within a week of your payroll direct deposits totaling $800 within 30 consecutive days, received within 60 days of opening. The offer ends December 31, 2026. Online opening needs a Texas address. Keep the account open 180 days or the bonus is taken back.
- Bonus amount
- $250
- Expires
- Dec 31, 2026
- Time to complete
- ~60 days
- Paid after opening
- ~67 days
- Difficulty
- Easy
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Requirements
Last verified: Nov 3, 2026
Open Membership Savings and Cash-Back Checking with code 2026OFFER250
Join A+ Federal Credit Union and open a Membership Savings ($2 to open) and a Cash-Back Checking account with a debit card, using promo code 2026OFFER250. Online opening needs a Texas resident address. Anyone can join with a one-time $10 dues payment to the A+ Education Foundation. New members only, one per household.
$800 in payroll direct deposits
Receive payroll direct deposits totaling $800 or more within 30 consecutive days, received in Cash-Back Checking within 60 days of account opening.
Keep the account open 180 days
The promotional deposits are taken back if the account is closed less than 180 days after opening.
$50 is deposited into Membership Savings at account opening, and $200 within a week of your payroll direct deposits reaching $800.
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Account Details
A+FCU takes back the promotional deposits if the account is closed less than 180 days after opening.
Eligibility
Not valid for existing or previous members. One per household and one per SSN/ITIN.
- Texas credit union based in Austin. Online opening needs a Texas resident address.
- Anyone can join with a one-time $10 dues payment to the A+ Education Foundation, made when you open the account, or through an eligible employer or a family member who is a member.
Tips & Gotchas
- Enter promo code 2026OFFER250 when you open. The bonus needs it.
- Only payroll direct deposits count toward the $800, and they must land within 30 consecutive days.
- Online opening needs a Texas address. Out-of-state applicants should expect a denial.
- New accounts are screened through ChexSystems. Aggregators report a hard credit pull, which the bank page does not mention.
Can You Earn This Bonus Again?
Fine Print
Must open a Membership Savings and a Cash-Back Checking Account with a debit card and direct deposit. $50 will be deposited into your Membership Savings Account upon account opening. Another $200 will be deposited into your Membership Savings Account within a week of the date your payroll direct deposits total $800 or greater. Direct deposit(s) must be $800 or greater, in aggregate, within 30 consecutive days. Payroll direct deposit(s) must be received to Cash-Back Checking Account within 60 days of account opening. New accounts screened through ChexSystems. $2 minimum opening deposit required for Membership Savings. Promotional deposit(s) will be deducted if account closed less than 180 days after opening the account. Person must have US SSN/ITIN to receive promotion. One per SSN/ITIN. Cannot be combined with any other offer. Not valid for existing or previous members. One per household. Must present coupon and/or promo code at time of account opening. Expires 12.31.2026.
Taxable income
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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 hold period?
The minimum time you must keep your balance in an account before the bonus is paid out.
Also see: this month's best bank bonuses and community DD data points.
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