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First Service Credit Union

First Service Credit Union Checking $250 Bonus

First Service Credit Union pays up to $250 when you open a Checking account and enroll in direct deposit. You get $50 after month 1, $75 after month 2, and $125 after month 3, each month you receive $1,000 or more in qualifying direct deposits. Texas only.

Bonus amount
$250
Expires
Not listed
Time to complete
~90 days
Bonus deposited in
~120 days
Difficulty
Medium
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Requirements

Last verified: Oct 5, 2026

  1. Open a Checking account

    Open a First Service Credit Union Checking account online or in branch. No minimum balance; $1 to start.

  2. Enroll in direct deposit within 60 days

    Enroll in direct deposit; your first Qualifying Direct Deposit must post within 60 days of enrollment. Members with existing direct deposits already enrolled do not qualify.

  3. $1,000+ in direct deposits in month 1 ($50)

    Receive $1,000 or more in Qualifying Direct Deposits during the first month to earn a $50 payout.

  4. $1,000+ in direct deposits in month 2 ($75)

    Receive $1,000 or more in Qualifying Direct Deposits during the second month to earn a $75 payout.

  5. $1,000+ in direct deposits in month 3 ($125)

    Receive $1,000 or more in Qualifying Direct Deposits during the third month to earn a $125 payout, completing the $250 total.

First Service deposits $50 after month 1, $75 after month 2, and $125 after month 3, each contingent on that month's qualifying direct deposits reaching $1,000 or more.

Account Details

Monthly feeNo monthly fee
Opening deposit$1
Min. hold periodNo minimum
Credit inquiryThe bank does not publish this. Ask before you apply.
ChexSystemsThe bank does not publish whether it screens banking history. Ask before you apply.
AvailabilitySelect states (TX)

Eligibility

Minimum age18+
Existing customersNot eligible

Members with existing direct deposits already enrolled do not qualify for this offer.

Other restrictions
  • Houston-area, Texas-chartered credit union; membership eligibility is broad within Texas but the bank page and Doctor of Credit both tag this offer Texas-only.
  • Limit $250 in bonus payouts per member.

Tips & Gotchas

  • →This is a recurring 3-month structure, not a one-time deposit: $1,000+ in qualifying direct deposits is needed in each of 3 separate months to collect the full $250.
  • →Qualifying direct deposits are payroll, benefits, pension, or government (e.g. Social Security) ACH deposits only. P2P transfers (Zelle, PayPal, Cash App, Venmo), mobile check deposits, cash loads, and account transfers do not count.
  • →Members who already have an existing direct deposit set up do not qualify for this offer -- it's for enrolling in direct deposit for the first time.
  • →An Early Payday early-available deposit does not count toward the bonus until it actually posts (no longer pending).

Can You Earn This Bonus Again?

Can rechurnNo
NotesNot disclosed on the bank page; treated as not-confirmed-rechurnable until verified otherwise.

Fine Print

Members with existing direct deposits do not qualify. First Qualifying Direct Deposit must be received within 60 days of successful enrollment. First Service deposits $50 after month 1 with $1,000+ in Qualifying Direct Deposits, $75 after month 2 with $1,000+ in Qualifying Direct Deposits, and $125 after month 3 with $1,000+ in Qualifying Direct Deposits. Qualifying Direct Deposits are ACH deposits from an employer, payroll provider, benefits provider, pension, or the government. External ACH transfers not from employers, verification/trial deposits, P2P transfers, mobile check deposits, cash loads, and any deposit First Service deems illegitimate do not qualify. Limit $250 in bonus payouts per member.

Taxable income · Reported on 1099-INT

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