Community Choice Credit Union
Community Choice Credit Union Checking $411 Bonus
Community Choice Credit Union pays $411 when you start a new direct deposit relationship by December 31, 2026 and receive at least three qualifying direct deposits totaling $5,000 within 90 days. You also need Online Banking, e-statements and a custom image or affinity debit card. Membership is limited to 38 Iowa counties, and personal checking has no monthly fee.
- Bonus amount
- $411
- Expires
- Dec 31, 2026
- Time to complete
- ~90 days
- Paid after opening
- ~120 days
- Difficulty
- Medium
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Requirements
Last verified: Nov 9, 2026
Join and open checking
Become a member and open a personal checking account. Membership is limited to 38 central and eastern Iowa counties, and new members start with the credit union's online request form or at a branch.
3 direct deposits totaling $5,000
Establish a new direct deposit relationship by December 31, 2026, then receive at least three qualifying direct deposits totaling $5,000 or more within 90 days. Payroll, passive income, government benefits and retirement income can count. Increasing or redirecting an existing direct deposit does not.
Online Banking and e-statements
Enroll in Online Banking and in e-statements.
Custom or affinity debit card
Have a custom image debit card or an affinity card (Hawkeye, Cyclone or Bulldog) on the account. The credit union says custom designs are made at one of its 11 locations.
Credited to the qualifying account within 30 days after the credit union verifies you qualified.
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Account Details
Eligibility
Current members who do not already have a direct deposit relationship with the credit union can take part. Members with an existing direct deposit relationship are not eligible, and increasing or redirecting an existing direct deposit does not count.
- Membership is limited to people in 38 central and eastern Iowa counties the credit union names on its open-an-account page, including Polk (Des Moines), Linn (Cedar Rapids), Johnson (Iowa City), Story (Ames) and Black Hawk (Waterloo).
- New members start with an online request form (name and email), and the credit union follows up to open the account.
- One promotional reward per member. Employees are excluded.
- This is Community Choice Credit Union of Iowa (comchoicecu.org), not the Michigan credit union with a similar name.
Tips & Gotchas
- Membership covers 38 central and eastern Iowa counties only.
- The debit card has to be a custom image or Hawkeye, Cyclone or Bulldog card. A plain card does not meet the terms.
- Members who already send a direct deposit to the credit union are not eligible.
- Doctor of Credit reports a hard credit pull. The credit union does not say.
Can You Earn This Bonus Again?
Fine Print
To qualify for the $411 promotional reward, member must (1) establish a new direct deposit relationship with Community Choice Credit Union on or before December 31, 2026; (2) receive a minimum of three qualifying direct deposits totaling at least $5,000 within 90 days of establishing the new direct deposit relationship; (3) enroll in Online Banking; (4) enroll in e-statements; and (5) have a custom image or affinity debit card associated with the qualifying account. Members with an existing direct deposit relationship are not eligible. Limited time offer beginning September 1, 2026. Reward credited within 30 days once qualification is verified. Limit one promotional reward per member.
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.
Do Bank Bonuses Show Up on a 1099-INT?
Yes. Bank bonuses are taxable income. Most banks report them on a 1099-INT once you earn $10 or more from that bank in a calendar year. Some report them on a 1099-MISC instead. Either way, you report the bonus as ordinary income on your tax return.
Also see: this month's best bank bonuses and community DD data points.
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