Credit Union West
Credit Union West Heritage High-Yield or Loyalty Rewards Checking $350 Bonus
Credit Union West pays you $350 when you join and open a Heritage High-Yield or Loyalty Rewards checking account with code JOIN350, receive at least $1,000 in direct deposits/ACH credits within 60 days, and make 10 debit card purchases within 60 days. Arizona residents only. Offer runs through December 31, 2026 per the bank's own page.
- Bonus amount
- $350
- Expires
- Dec 31, 2026
- Time to complete
- ~60 days
- Bonus deposited in
- ~60 days
- Difficulty
- Easy
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Requirements
Last verified: Oct 7, 2026
Join and open checking, code JOIN350
Join Credit Union West as a new member and open a new Heritage High-Yield or Loyalty Rewards checking account online or in a branch using promo code JOIN350. A $5 minimum balance is required for the membership savings account. Not valid for existing members or anyone who received a Credit Union West promotional offer in the last 2 years.
$1,000 direct deposit/ACH within 60 days
At least one ACH credit/direct deposit must post and settle to the checking account, totaling $1,000, within 60 calendar days of account opening.
10 debit card transactions within 60 days
Have at least 10 point-of-sale or purchase transactions post and settle to the account using the debit card within 60 calendar days of account opening.
The new account must be open and in good standing for at least 60 calendar days before the $350 bonus is available for use.
Account Details
The new account must be open and in good standing for at least 60 calendar days before the $350 bonus is available for use.
Eligibility
Not valid for existing members, or those who received a Credit Union West promotional offer within the last 2 years of account opening, per the bank's own offer page.
- Limit one new membership per person.
- A $5 minimum balance is required for the membership savings account that comes with joining.
- Arizona-based community-charter membership eligibility required (standard field of membership).
Tips & Gotchas
- →Doctor of Credit does not currently cover this exact offer -- its most recent posts describe expired $150/$300/$450 cycles at different amounts, so this is a scoop.
- →The bank's own page also requires 10 debit card transactions within 60 days, on top of the $1,000 direct deposit -- verify both before counting on the bonus.
- →Arizona-based community-charter membership eligibility is required to join.
Can You Earn This Bonus Again?
Fine Print
Promotional offer is only valid for one new membership per person; offer is not valid for existing members or those who have received a promotional offer within the last 2 years of account open date. $5 minimum balance required for membership savings account. Membership is subject to eligibility and qualification requirements. At least one ACH credit/Direct Deposit must post and settle to the checking account, totaling $1,000 within 60 calendar days of account opening. Must have at least 10 point-of-sale or purchase transactions post and settle to your account using your debit card within 60 calendar days of account opening. The new account must be open and in good standing for at least 60 calendar days before the $350 bonus is available for use. Bonuses are considered interest and will be reported on IRS Form 1099-MISC. Offer valid only upon receipt of original coupon; coupon is non-transferable and non-negotiable for cash.
Taxable income · Reported on 1099-MISC
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 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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