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
- Difficulty
- Easy
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Requirements
Last verified: Jul 23, 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.
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.
- →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.
Direct Deposit Data Points 14
14 community reports across 4 transfer sources, showing what triggers a qualifying direct deposit at Municipal Credit Union.
View all Municipal Credit Union direct deposit data points →
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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