Delta Community Credit Union
Delta Community Credit Union Free Checking $250 Bonus
Delta Community Credit Union pays $250 when Georgia residents open a new membership savings and checking account by November 30, 2026 with promo code CHECKING250_FALL26, then receive $1,000 in payroll direct deposits and make 10 Visa debit card purchases within 90 days.
- Bonus amount
- $250
- Expires
- Nov 30, 2026
- Time to complete
- ~90 days
- Bonus deposited in
- ~150 days
- Difficulty
- Medium
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Requirements
Last verified: Oct 7, 2026
Join and open checking with code CHECKING250_FALL26
Open a new membership Savings Account plus a new consumer Checking Account between October 1 and November 30, 2026, entering promo code CHECKING250_FALL26 online or presenting it at a branch. Fund the Savings Account with at least $5 within 90 days. Georgia residents only.
Receive $1,000 in payroll direct deposits
Set up and receive qualifying Direct Payroll Deposits from your employer by ACH totaling $1,000 or more into the new checking account within 90 calendar days of account opening. Venmo, Zelle, PayPal, check deposits and bank transfers not from an employer do not count.
Make 10 debit card purchases
Make at least 10 Visa debit card purchases that post and clear within 90 calendar days of account opening. PIN, signature and online purchases count. ATM transactions do not.
Delta Community deposits the $250 into the new checking account within 60 calendar days after the deposit and debit card requirements are met. Reported to the IRS.
Account Details
- Free Checking has no monthly fee (per the online application).
Accounts must stay in good standing, with balances above zero, until the bonus is paid.
Eligibility
First-time Delta Community members only.
- Georgia residents only. You must also qualify for Delta Community membership.
- Membership requires a Savings Account with at least $5.
- Limit one offer per member.
Tips & Gotchas
- →Georgia residents only, and you must be a first-time Delta Community member.
- →The direct deposit has to be payroll from your employer by ACH. Transfers from your own bank, Venmo, Zelle and PayPal do not count.
- →The $5 membership savings deposit does not count toward the checking requirements.
- →Use promo code CHECKING250_FALL26 when you open. Applying from the link above fills it in for you.
Can You Earn This Bonus Again?
Fine Print
Applicant must be a resident of Georgia, eligible and qualify as a first-time Delta Community Credit Union member between October 1 - November 30, 2026. Open a consumer membership (Savings Account) plus a consumer Checking Account during the Promotional Period by entering online or presenting at branch promo code CHECKING250_FALL26 at membership opening and, within 90 calendar days of account opening: (1) fund the Savings Account with at least $5, (2) set up and receive qualifying Direct Payroll Deposits totaling $1,000 or more into the Checking Account and (3) make at least 10 Visa Debit card purchases. Qualifying Direct Payroll Deposits must come from the member's employer via ACH. ATM transactions do not count. Bonus deposited into the Checking Account within 60 calendar days after requirements are met. Accounts must remain in good standing, with balances above zero, until the bonus is paid. Limit one offer per member. Bonus subject to IRS reporting.
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. 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.
We may earn a commission if you open an account through the link above. This doesn't affect our recommendations. See how we make money