TAPCO Credit Union
TAPCO Credit Union Cash Back Checking $150 Bonus
TAPCO Credit Union pays $150 when you join as a new member and open Cash Back Checking by December 31, 2026. Within 60 days, receive $500 or more in direct deposits, enroll in Digital Banking with eStatements, and activate your debit card. The bonus posts within 45 days of meeting the requirements. Washington State only.
- Bonus amount
- $150
- Expires
- Dec 31, 2026
- Time to complete
- ~60 days
- Paid after opening
- ~105 days
- Difficulty
- Easy
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Requirements
Last verified: Nov 10, 2026
Join TAPCO and open Cash Back Checking
Become a new TAPCO member with a $25 Primary Share Savings deposit and open Cash Back Checking with $5 between October 1 and December 31, 2026, online or at any TAPCO branch. Membership is for people who live, work, worship or go to school in Washington State, or family of someone who qualifies.
$500 in direct deposits
Receive one or more qualifying direct deposits (payroll, pension, Social Security or other government benefits) totaling at least $500 within 60 calendar days of opening. Transfers, mobile and cash deposits, Zelle and Cash App do not count.
Enroll in Digital Banking and activate your debit card
Within 60 calendar days of opening, enroll in Digital Banking with eStatements (eStatements are included when you register) and activate your TAPCO debit card.
TAPCO reviews accounts after the end of each month and deposits the $150 into Cash Back Checking within 45 days after all requirements are met.
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Account Details
TAPCO's terms say the account must remain open and active for one year after account opening or the bonus may be forfeited.
Eligibility
New TAPCO members only: no current TAPCO membership with a Primary Share Savings account. Joint owners without their own Primary Share Savings, and former members closed at least three years, may qualify. Limit one bonus per person.
- Membership needs living, working, worshiping or going to school in Washington State, or being family of someone who qualifies.
- Must be a legal U.S. resident with a Social Security number or ITIN and a government-issued ID.
- The account must stay open and active for one year after opening or the bonus may be forfeited.
Tips & Gotchas
- Apply from the offer page link so the CASHBACK26 promo code rides along with the application.
- Keep the account open and active for a full year. TAPCO may take the bonus back if you close it sooner.
- Stay enrolled in eStatements. That is what avoids the monthly account fee.
- The $25 Primary Share Savings deposit is a condition of membership and is separate from the $5 checking opening deposit.
Can You Earn This Bonus Again?
Fine Print
Open a new TAPCO membership and Cash Back Checking account between October 1 and December 31, 2026, and receive a $150 bonus after completing all offer requirements within 60 calendar days of account opening: enroll in Digital Banking and eStatements, activate your TAPCO debit card, and receive one or more qualifying direct deposits totaling at least $500 into your new Cash Back Checking account. A minimum opening deposit of $5 is required for Cash Back Checking. Establishing TAPCO membership also requires opening a Primary Share Savings account with a minimum opening deposit of $25. Offer available only to new TAPCO members. Limit one bonus per person. A qualifying direct deposit is an electronic deposit of payroll, pension, Social Security, or other government benefits made by an employer, government agency, or other outside agency. Cash deposits, checks, mobile deposits, internal or external account transfers, wire transfers, and person-to-person payments, including Zelle and Cash App, do not qualify. The account must remain open and active for one year after account opening or the bonus may be forfeited.
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 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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