Navigator Credit Union Free Checking $150 Bonus

1. 1

   Open a new Free Checking account

   Become a Navigator Credit Union member and open a new, free checking account between June 1 and August 31, 2026. Members with an existing checking account, or who closed a Navigator checking account in the past 90 days, do not qualify.

2. 2

   Receive $500 in qualifying direct deposits

   Receive a total of $500 or more in qualifying electronic direct deposits within 60 days of account opening. Qualifying deposits come from an employer, payroll provider, benefits provider, pension, or the government (such as Social Security). External ACH transfers not from an employer, peer-to-peer payments (PayPal, Zelle, Cash App, Venmo), and mobile check deposits do not count.

3. 3

   Make 12 debit card purchases

   Complete 12 point-of-sale or signature debit card purchases within 60 days of account opening. ATM transactions and transfers between accounts do not count.

The $150 bonus is credited to your Primary Savings account within 60 days of meeting all qualifications.

Account Details

Eligibility

Tips & Gotchas

• →The direct deposit definition is fairly broad (payroll, benefits, pension, government payments) but explicitly excludes P2P transfers like Zelle and Venmo, plus mobile check deposits.
• →You need both parts: $500 in direct deposits AND 12 debit card purchases, both within 60 days of opening.
• →The bonus lands in your Primary Savings account, not the checking account you opened it with.
• →Qualifying also enters you into a separate monthly $200 sweepstakes drawing (June, July, and August 2026 periods) - a bonus chance, not a guaranteed payout, so we do not count it in the listed amount.
• →Navigator's own membership eligibility requires living, working, worshiping, or attending school in specific counties/parishes across Mississippi, Louisiana, Alabama, or Florida, or qualifying through family or a partner employer - check the field-of-membership page before applying.
• →Bonus may be reported on a 1099-MISC or 1099-INT depending on how Navigator classifies it.

Can You Earn This Bonus Again?

Fine Print

New free checking accounts opened on or after June 1, 2026 through August 31, 2026 are eligible for a $150 bonus. To qualify, you must have a total of $500 or more in qualifying direct deposits and complete 12 debit card point-of-sale or signature purchases (ATM transactions and transfers between accounts do not qualify) cleared and posted within the first 60 days after account opening. The bonus is credited to your Primary Savings account within 60 days of meeting all qualifications, and the checking and savings accounts must remain open and in good standing through the credit date. Members with an existing checking account, or who had a checking account closed within the past 90 days, do not qualify. New free checking accounts only, consumer accounts only. Qualifying direct deposits are ACH deposits from an employer, payroll provider, benefits provider, pension, or the government; external transfers, P2P payments, mobile check deposits, and verification/trial deposits do not qualify. Member must be 18 or older and in good standing. Maximum of one bonus per membership. Bonus may be considered income and reported on 1099-MISC or 1099-INT. Verified on navigatorcu.org on 2026-08-14.

Taxable income · Reported on 1099-MISC

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