FourLeaf Federal Credit Union
FourLeaf Federal Credit Union Free Checking $550 Bonus
FourLeaf Federal Credit Union pays up to $550 on a Free Checking account. You get $350 after one qualifying direct deposit of $500 or more within 90 days, then $100 more at your one-year direct deposit anniversary and another $100 at two years. Membership requires a $5 savings account and is open nationwide.
- Bonus amount
- $550
- Expires
- Dec 31, 2026
- Time to complete
- ~90 days
- Bonus deposited in
- ~150 days
- Difficulty
- Hard
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Requirements
Last verified: Aug 16, 2026
Open an account
Open a new FourLeaf Free, Smart, or Student Checking account by December 31, 2026 (a $5 savings account is required for membership).
Set up a qualifying direct deposit
Receive a recurring qualifying direct deposit of $500 or more within 90 days of account opening to earn the first $350.
The first $350 is paid within 60 days of your initial qualifying direct deposit. The two $100 bonuses are paid within 60 days of your 1-year and 2-year direct deposit anniversaries.
Account Details
Keep the account open and in good standing until each bonus is paid.
Eligibility
Cannot be the primary owner on an existing FourLeaf checking account or have received a prior FourLeaf checking opening bonus.
- Membership required: open a FourLeaf Savings Account with a $5 deposit. Membership is open nationwide and subject to approval.
- Free Checking and the membership Savings Account require age 21 or older. Ages 13-20 can open a Student Checking account instead, which this bonus offer also covers (ages 18-20 can open online; 17 and under need a parent or guardian joint owner).
Tips & Gotchas
- →Only the first $350 is near-term. The two additional $100 bonuses require keeping a $500 or more monthly direct deposit going for 12 and then 24 consecutive months.
- →Membership requires opening a FourLeaf Savings Account with a $5 deposit. Membership is open nationwide.
- →Qualifying direct deposits are recurring payroll, pension, or government deposits. ATM deposits, debit card transfers, online transfers, and Zelle do not count.
- →FourLeaf Federal Credit Union was formerly known as Bethpage Federal Credit Union.
- →Free Checking is for ages 21 and over. If you are under 21, the offer also covers Student Checking (ages 13-20): 18-20 can open online, and 17 and under need a parent or guardian joint owner.
Direct Deposit Data Points 62
62 community reports across 10 transfer sources, showing what triggers a qualifying direct deposit at FourLeaf Federal Credit Union.
View all FourLeaf Federal Credit Union direct deposit data points →
Can You Earn This Bonus Again?
Fine Print
Open a FourLeaf Free, Smart, or Student Checking account between 2/2/2026 and 12/31/2026 and receive a qualifying direct deposit of $500 or more within 90 days to earn $350. Earn an additional $100 by maintaining a $500 or more monthly direct deposit for 12 consecutive months, and another $100 for 24 consecutive months. Each bonus is paid within 60 days of qualifying. New checking customers only; one bonus per person. Membership required ($5 savings account).
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 ChexSystems?
ChexSystems is a banking history report that can affect bonus approvals. Here's how it works, which banks check it, and how to work around a bad record.
Also see: this month's best bank bonuses and community DD data points.
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