Municipal Credit Union
Municipal Credit Union Everyday Hero Checking $350 Bonus
Municipal Credit Union pays NYC-area members $150 to $350 for opening an Everyday Hero Checking account, based on total qualifying direct deposits (payroll, pension, or government benefits) received within 90 days: $1,000+ earns $150, $2,000+ earns $250, $3,000+ earns $350. No monthly fees, soft credit pull.
- Bonus amount
- $350
- Expires
- Dec 31, 2026
- Time to complete
- ~90 days
- Bonus deposited in
- ~105 days
- Difficulty
- Easy
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Requirements
Last verified: Oct 8, 2026
Open Everyday Hero Checking
Open a new Everyday Hero Checking account. Requires an active Share Account with a minimum $0.01 par value.
3+ direct deposits within 90 days (tiered)
Receive at least 3 qualifying direct deposits (payroll, pension, or government benefits via ACH) within 90 days of account opening, with at least 1 every 30 days. Bonus tier is set by the total: $1,000-$1,999.99 earns $150, $2,000-$2,999.99 earns $250, $3,000+ earns $350.
MCU pays on a fixed schedule rather than a fixed number of days. Meet every requirement by the 21st of a month and the bonus lands in the first week of the following month, so budget about two weeks after your 90-day deposit period ends.
Account Details
Eligibility
New members, or existing members without an Everyday Hero Checking account as of April 5, 2026.
- Field of membership: live, work, worship, or attend school in NYC; NY State/Federal government employees; family/household members of existing MCU members.
- An active Share Account with a minimum $0.01 par value is required to open Everyday Hero Checking.
- Limited to one bonus per eligible member in 24 months.
Tips & Gotchas
- →Tiered bonus: $150 for $1,000-$1,999.99 total direct deposits, $250 for $2,000-$2,999.99, $350 for $3,000 or more, all within 90 days.
- →The deposits have to be recurring payroll, pension, or government benefits with a valid ACH trace number. One-time ACH deposits, transfers you push from another bank, mobile and ATM deposits, and peer-to-peer payments are all excluded, so you cannot self-fund this one.
- →Pacing matters as much as the total. You need at least three deposits and at least one every 30 days across the 90-day window.
- →Field of membership: live, work, worship, or attend school in NYC; NY State/Federal government employees; or family/household members of existing MCU members.
- →Limited to one bonus per eligible member in 24 months, and you are excluded if you received any MCU checking promo bonus in the last 24 months.
Direct Deposit Data Points 13
13 community reports across 10 transfer sources, showing what triggers a qualifying direct deposit at Municipal Credit Union.
View all Municipal Credit Union direct deposit data points →
How long until the bonus posts? The most recent community reports average about 111 days. See 14 reports on Municipal Credit Union Checking payout timelines →
Can You Earn This Bonus Again?
Fine Print
New members, or existing members without an Everyday Hero Checking account as of April 5, 2026. Limited to one bonus per eligible member in 24 months.
Taxable income · Reported on 1099-INT
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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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