First U.S. Community Credit Union
First U.S. Community Credit Union Better Than Free Checking $300 Bonus
First U.S. Community Credit Union pays you $300 for a new Better Than Free Checking account. Open with promo code BTF300, then receive a direct deposit of $500 or more within 90 days. No monthly fee with eStatements. Membership is open to residents of the Sacramento region and several other Northern California groups.
- Bonus amount
- $300
- Expires
- Dec 31, 2026
- Time to complete
- ~90 days
- Bonus deposited in
- ~118 days
- Difficulty
- Easy
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Requirements
Last verified: Oct 6, 2026
Open account
Open a new Better Than Free Checking account online, by phone, or in a branch using promo code BTF300 by December 31, 2026.
Receive a recurring payroll direct deposit
Receive a recurring payroll direct deposit of $500 or more within 90 days of opening.
Make 5 debit card transactions
Make at least 5 debit card transactions within 90 days of opening.
Bonus paid up to four weeks after the qualifying direct deposit is verified.
Account Details
- No monthly service charge with eStatements or for members age 60 and older; paper statements are $3 per month.
Complete the qualifying direct deposit within 90 days; account must be open, in good standing, and have a positive balance when the bonus pays.
Eligibility
Not available to existing First U.S. members. One bonus per member and account.
- Membership required: live in Sacramento, Placer, Nevada, El Dorado, Amador, Yuba, Yolo, Sutter, San Joaquin, Solano, Sierra, or Contra Costa County, CA; or California federal employees; or select employer groups; or Safeway employees in Northern California and Northern Nevada.
- Use promo code BTF300 when opening.
Tips & Gotchas
- →Transfers you push in yourself do not count. The terms exclude peer-to-peer payments such as Zelle and Venmo, account-to-account transfers, and anything processed as a debit card credit.
- →No debit-card spend is required, just one direct deposit of $500 or more.
- →The account has no monthly fee when you use eStatements.
Community Data Points
We don't have direct deposit reports for this account yet. What we do have: 1 community report on funding this account with a credit card.
See First U.S. Community Credit Union Checking card funding reports →Can You Earn This Bonus Again?
Fine Print
Open a new Better Than Free Checking account with promo code BTF300 by December 31, 2026, and receive a direct deposit of $500 or more within 90 days. Deposits processed as a debit card credit, or via account-to-account or peer-to-peer transfers such as Zelle or Venmo, do not qualify. New members only, one per member and account. Membership eligibility applies. The bonus is paid up to four weeks after the direct deposit is verified, and the account must be open, in good standing, and hold a balance greater than zero when it is paid. Verified on firstus.org 2026-08-04.
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.
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.
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