Service 1st Federal Credit Union
Service 1st Federal Credit Union Checking $300 Bonus
Service 1st Federal Credit Union pays you up to $300 for opening a checking account. You earn $150 for enrolling in the debit card, digital banking, and eStatements and making one debit purchase, and another $150 for a direct deposit of at least $250. Both are due within 30 days. The account has no monthly maintenance fee, and the offer runs through December 31, 2026.
- Bonus amount
- $300
- Expires
- Dec 31, 2026
- Time to complete
- ~30 days
- Bonus deposited in
- ~155 days
- Difficulty
- Easy
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Requirements
Last verified: Aug 22, 2026
Join and open checking
Join Service 1st and open a qualified checking account. Membership requires a savings account holding at least $5 plus a one time $1 membership fee. You have to present or mention this offer at the time the account is opened.
Enroll in debit card, digital banking, and eStatements
Enroll in a Service 1st Visa debit card, Digital Banking, and eStatements. This is part of the first $150.
One debit card transaction
Make one transaction with the Service 1st Visa debit card within 30 days of membership opening. Completing this along with the enrollments earns the first $150.
$250 direct deposit
Establish a qualifying direct deposit to the new checking account within 30 days of checking account opening. The minimum is a regular $250 deposit. This earns the second $150.
The credit union pays the bonus within 90 business days after every requirement is met. Ninety business days is roughly four calendar months, so counting the 30 day requirement window, budget about five months from opening.
Account Details
The checking account has to stay open at least six months. Close it sooner and the credit union deducts any bonus it already paid from the balance at closing.
Eligibility
Existing Service 1st checking account holders are not eligible. The offer is limited to one checking account bonus per member.
- Membership by location is limited to qualified census tracts inside Carbon, Columbia, Luzerne, Lycoming, Montour, Northumberland, Sullivan, Union, and Wyoming counties in Pennsylvania. Living in one of those counties is not enough on its own. Look up your tract on the FFIEC geocoding site first.
- You can also join by working for one of the credit union's Select Employer Groups, or by having an immediate family member who is already a member or who works for a Select Employer Group.
- Membership requires a savings account holding at least $5, plus a one time $1 membership fee.
- Business accounts are excluded from the bonus.
Tips & Gotchas
- →The $300 is two $150 halves. One debit card transaction plus the enrollments earns the first $150, and the direct deposit earns the second. You keep the first $150 even if you never set up a direct deposit.
- →A regular $250 deposit clears the direct deposit half. That is one of the lowest bars on this site, so you do not need to move an entire paycheck.
- →A qualifying direct deposit is an automatic electronic deposit from someone else, such as an employer or a government agency. Deposits you push yourself through digital banking or an internet payment provider do not count.
- →Check your census tract before you apply. The county path only covers qualified census tracts inside the nine listed Pennsylvania counties, so living in the county is not enough. Look your address up on the FFIEC geocoding site.
- →If your tract does not qualify, you may still be eligible through a Select Employer Group or through an immediate family member who is already a member.
- →You have to mention the offer while the account is being opened. There is no way to add it afterward.
- →Keep the account open at least six months. Closing sooner lets the credit union deduct the bonus from your balance on the way out.
- →The two clocks start at slightly different points. The debit transaction runs 30 days from membership opening and the direct deposit runs 30 days from checking account opening, so do not leave either to the last day.
Direct Deposit Data Points 2
2 community reports across 1 transfer source, showing what triggers a qualifying direct deposit at Service 1st Federal Credit Union.
View all Service 1st Federal Credit Union direct deposit data points →
Can You Earn This Bonus Again?
Fine Print
Offer valid through 12/31/2026. Membership eligibility required. A savings account with a $5 minimum balance and a one time $1.00 membership fee is required. Account opening is subject to approval. Members must be 18 years or older and in good standing to qualify. Existing Service 1st checking account holders are not eligible. The offer is limited to one checking account bonus per member and does not apply to business accounts. To receive the initial $150 cash bonus, the member must open a qualified checking account and enroll in a Service 1st Visa debit card, Digital Banking, and eStatements, and the associated debit card must perform a transaction within 30 days of membership opening. To receive an additional $150 cash bonus, the member must establish a qualifying direct deposit to the new checking account within 30 days of checking account opening, with a minimum of a regular $250 deposit. The checking account must remain open for at least six months or any cash bonus paid will be deducted from the account balance at closing. Cash bonuses are credited to the checking account within 90 business days after all qualifying requirements have been met. You must present or mention this offer at the time of account opening to qualify. Cash bonuses must be reported as taxable income.
Taxable income · Reported on
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.
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