Find an updated list of 1st United Credit Union promotions, bonuses, and offers here.
Currently, they are offering a bonus ranging from $100, $150, $200 when you open a new account.
About 1st United Credit Union Promotions
1st United Credit Union is a strong believer in the spirit of volunteering and improving the financial literacy of their communities. They do it by staying up to date on the latest technology to provide financial tools for their customers.
Eligibility: Membership in the 1st United Credit Union is open to those who live, work, or attend school in Alameda, Contra Costa, Kings, San Joaquin, Solano, or Stanislaus Counties in California. For more information on eligibility requirements please check out their full list of membership requirements. |
I’ll review the offers below.
1st United Credit Union $100 Checking Bonus *No Direct Deposit*
1st United Credit Union is offering a $100 bonus with promo code CAKE and completing certain requirements. There is no direct deposit requirement.
- What you’ll get: $100 bonus
- Account Type: Checking Account
- Availability: CA. Must Work in / resident of Alameda, Contra Costa, Kings, San Joaquin, Solano or Stanislaus Counties CA, or have family member with account there. Bank Locator.
- Direct Deposit Requirement: No (see what works)
- Credit Inquiry: Soft Pull
- ChexSystems: Unknown
- Credit Card Funding: $2,000
- Monthly Fees: None
- Early Account Termination Fee: $25, six months
- Household Limit: None listed
(Expires March 31, 2023)
For more advanced features in a checking account, compare this offer to BMO Harris PremierTM Account ($350 Bonus), U.S. Bank SmartlyTM Checking (Up to $600 bonus), Chase Private Client ($3,000 Bonus), TD Bank Beyond Checking ($300 Bonus), Fifth Third Bank Preferred Checking ($275 bonus), and Citigold® Checking Account (Up to $2000 Cash Bonus). |
How To Earn Bonus
- Open a new Rewards Checking account using promotional code Cake by March 31, 2023.
- Use your debit card to make a purchase 15 times within the first 60 days of account opening.
- Checking account and debit card establishment are subject to approval using a third-party consumer reporting agency.
- Dividends are paid monthly based on average daily balance, and will only be paid if the combined total of debit and credit card purchase transactions reaches 15 or more within the month.
- All qualifying transactions must post to the account and the funds must be available to fund the transaction by the last business day of each month.
- No monthly fee, but other fees may reduce earnings. Rewards Checking only available for members 18 and older.
- Rewards bonus: 1st United Visa Rewards account holders will receive a 50% bonus (1.5 points per dollar spent) on their Rewards points earned within the month if they perform 15–29 combined debit and/or credit card purchase transactions or a 100% bonus (2 points per dollar spent) on their Rewards points earned within the month if they perform 30+ combined debit and/or credit card purchase transactions.
- Bonus will be credited in the subsequent Visa cycle. Loans are subject to credit approval. Cannot be combined with any other offer or points multiplier. All 1st United credit cards require consent to recovery of delinquent balances from Credit Union shares.
- Foreign transaction fees are 2.00% of each transaction in United States dollars (USD) and may be assessed on purchases or online purchases made in the United States if the merchant is in a foreign country.
- $100 incentive qualification: Open a new checking account using promotional code CAKE by March 31, 2022 and use your debit card to make a qualifying purchase of $10 or more 15 times within the first 60 days of account opening.
- Offer is subject to change or withdrawal at any time and is not available to existing or additional 1st United checking accounts. Incentive will be credited on the next business day after all requirements are fulfilled.
- Insured by NCUA.
1st United Credit Union $200 Checking Bonus
1st United Credit Union is offering a $200 bonus when you open a qualifying checking account using promo code LOCAL and completing certain requirements.
- What you’ll get: $200 bonus
- Account Type: Checking Account & Certificate of Deposit
- Availability: CA. Must Work in / resident of Alameda, Contra Costa, Kings, San Joaquin, Solano or Stanislaus Counties CA, or have family member with account there. Bank Locator.
- Direct Deposit Requirement: Yes, $500+ (see what works)
- Credit Inquiry: Soft Pull
- ChexSystems: Unknown
- Credit Card Funding: $2,000
- Monthly Fees: None
- Early Account Termination Fee: $25, six months
- Household Limit: None listed
(Expires March 31, 2023)
You can compare this to several great entry level Checking accounts with offers include the BMO Harris Smart Money™ Account ($200 bonus), U.S. Bank SmartlyTM Checking (Up to $600 bonus), Chase Total Checking® ($200 bonus), Fifth Third Bank Momentum® Checking ($275 bonus), SoFi Checking and Savings ($275 bonus), and Citi Priority Account (Up to $2000 Cash Bonus). |
How To Earn Bonus
- 1st United Credit Union offers a $200 bonus when you open a new checking account with promo code LOCAL
- To earn the 1st $100 bonus, set up a monthly direct deposit of $500 or more and use your debit card to make at least five qualifying purchases $10+ each.
- Open a certificate account and deposit $5,000+ to earn another $100
- Offer not available to existing or additional 1st United checking accounts.
- Must open a checking account and complete all the requirements to qualify for additional certificate account incentives.
- We reserve the right to retain incentive if certificate account is closed early and/or if checking account is closed within six months. Checking account and debit card establishment are subject to approval using a third-party consumer reporting agency.
- Members age 17 and under require an adult joint owner.
- Rewards checking account: Only available for members 18 and older. Dividends are paid monthly based on average daily balance, and will only be paid if the combined total of debit and credit card purchase transactions reaches 15 or more within the month. All qualifying transactions must post to the account and the funds must be available to fund the transaction by the last business day of each month.
- Click here for current rates.
- No monthly fee, but other fees may reduce earnings.
- Earn up to $200 incentive qualification: Earn $100 when you 1) open a new checking account using promotional code LOCAL; 2) establish a qualifying monthly direct deposit of $500 or more within 60 days of account opening; 3) make five (5) signature or PIN purchases of at least $10 each with debit card within 60 days of account opening.
- Earn additional incentive when you also open a new certificate account within 60 days of opening your checking account.
- Certificate deposits up to $5,000 will earn a $50 bonus, certificate deposits over $5,000 will earn $100.
- Total incentive up to $200.
- A qualifying direct deposit needs to be an electronic deposit of your paycheck, pension or government benefit (such as Social Security) from your employer or the government.
- Offer is subject to change or withdrawal at any time.
- Incentive will be credited on the 10th of the following month after all requirements are fulfilled, beginning April 10, 2023.
- Insured by NCUA.
- FICO is a registered trademark of Fair Isaac Corporation in the United States and other countries.
1st United Credit Union $150 Checking Bonus

1st United Credit Union $150 Checking Bonus
1st United Credit Union is offering a $150 bonus when you open a qualifying checking account using promo code HACIENDA and completing certain requirements.
- What you’ll get: $150 bonus
- Account Type: Checking Account
- Availability: CA
- Direct Deposit Requirement: Yes (see what works)
- Credit Inquiry: Soft Pull
- ChexSystems: Unknown
- Credit Card Funding: $2,000
- Monthly Fees: None
- Early Account Termination Fee: $25, six months
- Household Limit: None listed
(Limited time offer)
You can compare this to several great entry level Checking accounts with offers include the BMO Harris Smart Money™ Account ($200 bonus), U.S. Bank SmartlyTM Checking (Up to $600 bonus), Chase Total Checking® ($200 bonus), Fifth Third Bank Momentum® Checking ($275 bonus), SoFi Checking and Savings ($275 bonus), and Citi Priority Account (Up to $2000 Cash Bonus). |
How To Earn Bonus
- Open a new checking account using promotional code HACIENDA
- Set up a qualifying monthly direct deposit of $500+ within 60 days of account opening
- Use your debit card to make a purchase within 60 days of account opening
- Offer not available to existing 1st United checking accounts.
- Checking account and debit card establishment are subject to credit approval.
- Members age 17 and under require an adult joint owner.
- A qualifying direct deposit needs to be an electronic deposit of your paycheck, pension or government benefits (such as Social Security) from your employer or the government.
- Bonus is considered interest and will be reported on IRS Form 1099-INT.
- Offer is for a limited time only and is subject to change or withdrawal at any time.
- Incentive will be credited after all requirements are fulfilled.
- 1st United membership is required and established by opening a savings account.
- Membership is available to anyone who lives or works in Alameda, Contra Costa, San Joaquin, Solano, Stanislaus, or Kings Counties.
1st United Credit Union $200 Business Checking Bonus
You can earn a $200 bonus when you open a business checking account using promo code SMALLBIZ and completing certain requirements.
- What you’ll get: $200 bonus
- Account Type: Business Checking Account
- Availability: CA
- Direct Deposit Requirement: Yes
- Credit Inquiry: Soft Pull
- ChexSystems: Unknown
- Credit Card Funding: $2,000
- Monthly Fees: None
- Early Account Termination Fee: Six months, bonus forfeit
- Household Limit: None listed
(Expires 12/31/2023)
Compare to some of the best business checking accounts such as Chase Business Checking ($300 Bonus), U.S. Bank Business Checking ($500 Bonus), Live Oak Bank Business Checking ($300 Bonus), Axox Bank Basic Business Checking ($200 Bonus), Axos Bank Business Interest Checking ($200 Bonus), Huntington Unlimited Plus Business Checking ($1,000 Bonus), Huntington Unlimited Business Checking ($400 Bonus), as well as the Huntington Business Checking 100 ($200 Bonus). |
How To Earn Bonus
- Use promo code SMALLBIZ to receive your $200 incentive when you open a new business checking account
- Incentive will be credited by the tenth of the month following account opening.
- Offer expires December 31, 2023, is subject to change or withdrawal at any time and is not available to existing 1st United business checking accounts.
- Must use promo code SMALLBIZ when applying.
- Incentive will be credited by the tenth of the month following account opening.
- Checking account and debit card establishment are subject to approval through ChexSystems.
- Federally Insured by NCUA.
1st United Credit Union $50 Referral Bonus

1st United Credit Union $50 Referral Bonus
1st United Credit Union is offering a $50 bonus when you refer friends who open a new eligible checking account and meet the qualifying requirements.
- What you’ll get: $50 bonus
- Account Type: Checking accounts, loans, credit cards, certificates, and youth savings accounts.
- Availability: CA
- Direct Deposit Requirement: No
- Credit Inquiry: Soft Pull
- ChexSystems: Unknown
- Credit Card Funding: $2,000
- Monthly Fees: None
- Early Account Termination Fee: Six months, bonus forfeit
- Household Limit: None listed
(Expires December 31, 2022)
For more advanced features in a checking account, compare this offer to BMO Harris PremierTM Account ($350 Bonus), U.S. Bank SmartlyTM Checking (Up to $600 bonus), Chase Private Client ($3,000 Bonus), TD Bank Beyond Checking ($300 Bonus), Fifth Third Bank Preferred Checking ($275 bonus), and Citigold® Checking Account (Up to $2000 Cash Bonus). |
How To Earn Bonus
Qualify for $50 per referral
- Complete the form with your friend’s name and email address, no limitations.
- Your friend will get an email from 1st United Credit Union
- When your friend joins and opens a membership with a qualifying account using the promotional code from their email, you’ll both receive $50.
- Referred memberships with qualified accounts will receive incentive credited to their savings account.
- Referred member must provide their promo code to a member service representative or in the “Promo Code” section of our online membership application to receive the incentive.
- Referring members must be in good standing.
- The incentive will be credited to both the referring and referred member by the 10th of the following month in which the new account is verified.
- We reserve the right to retain incentive if account is closed within six months.
- Not valid where prohibited by law.
- Cannot be combined with any other offer.
How To Waive Monthly Fees
- Rewards Checking: There are no monthly fees.
- Free Checking: There are no monthly fees.
- Interest Checking: No monthly fee when you maintain a $1,000 balance.
- Business Free Checking: No monthly fees
- Business Interest Checking: No monthly fee when you maintain a $1,500 balance.
Bottom Line
We recommend you open the Basic Checking account form the 1st United Credit Union as it doesn’t have any monthly service fees. In addition, it is a soft pull so it will not affect your credit score!
While they have generous bonuses, the 1st United Credit Union doesn’t have great rates for CDs and Savings. You may want to check out our full list of Bank Rates and CD Rates.
Compare 1st United Credit Union promotions with other bank bonuses from banks like Citi, Huntington, HSBC, Chase, TD, Discover Bank, Aspiration, Axos Bank, PNC Bank, BMO Harris, SoFi, Fifth Third Bank, Bank of America, Wells Fargo, US Bank, and more!
*Check back at this page for updated 1st United Credit Union promotions, bonuses, and offers.
1st United CU $100 Bonus ended on 12/31/2018, according to the bank’s chat rep.
What (bank) do you use to set up a direct deposit?
Just used my Chase Hyatt to fund my account with $2,000…I’m please.
My Citi Doublecash was approved for me to put $2,000 into the account.
My Chase Ink Preferred was given the ok to fund my account w $2K. My husband used his Chase Marriott and had no issues either. I’m impressed I’m able to fund it w such a high amount!
I just checked out this offer at their bank, it was a soft pull inquiry.
I think you gotta live in Alameda county or the surrounding areas to qualify.