Find the most up-to-date Carolina Trust Federal Credit Union promotions, bonuses, and offers here.

Update 10/8/25: There’s currently a $300 checking bonus valid through 10/31/25.

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About Carolina Trust Federal Credit Union Promotions

Eligibility: Carolina Trust Federal Credit Union is open to those who reside, regularly conduct business or work, volunteer, attend school or worship in Georgetown, Horry, Marion, southern part of Florence County (south of Lynches River), Williamsburg, South Carolina or Brunswick County in North Carolina. Family of credit union members are also eligible. See current membership details.

Carolina Trust Federal Credit Union $300 Checking Bonus

What you’ll get: $300 bonus
Account Type: Checking
Availability: SC (Bank Locator)
Direct Deposit Requirement: Yes (see what works)
Credit Inquiry: Hard Pull or Soft Pull? Let us know.
ChexSystems: Unknown
Credit Card Funding: Unknown
Monthly Fees: A $5.95 Monthly Maintenance Fee** applies if qualifications are not met. This fee is waived for members 18-24.
- Be enrolled in eStatements and log in to digital banking monthly, and
- Meet two of the following:
  - Direct deposits totaling at least $1,000 to your Rewards+ Checking each month
  - Make 12 debit card point of sale or online purchases using your Rewards+ Checking debit card.
  - A non-revolving personal loan with a balance of $10,000+
  - An active mortgage in good standing
Early Account Termination fee: Not listed
Household Limit: Not listed

$300 Offer at Carolina Trust Federal Credit Union

(Expires 10/31/2025)

For more advanced features in a checking account, compare this offer to:
BMO Smart Money Checking ($400 cash bonus*)	KeyBank Checking ($300 bonus)
HSBC Premier Checking (Up to $3,500 Cash Bonus),

How To Earn Bonus

HOW TO EARN BONUSFINE PRINT

Open a new Rewards+ Checking account.
Within ninety (90) calendar days of the account opening date, you must meet the minimum qualification requirements, for each calendar month during the Qualification Period:
- (1) be enrolled in e-statements;
- (2) log into digital banking once per qualification cycle
And in addition, meet two of the following qualifying activity requirements:
- Receive at least $1,000 in qualifying direct deposits each month.
- Debit Card Activity: Complete at least twelve (12) debit card purchase transactions per month.
- Loan or Mortgage Requirement: Maintain either:
  - (1) An active, non-revolving personal loan with a principal balance of $10,000 or more with Carolina Trust, or
  - (2) An active mortgage loan, both originated and serviced by Carolina Trust.
If all Offer requirements are met, the $300 bonus will be credited to your Eligible Account within thirty (30) calendar days following the end of the Qualification Period.

Bonus Payment: If all Offer requirements are met, the $300 bonus will be credited to your Eligible Account within thirty (30) calendar days following the end of the Qualification Period. The account must remain open and in good standing through the date the bonus is deposited. Only one bonus will be paid per individual, per account, or per Social Security Number (SSN), regardless of the number of accounts opened. Bonuses are not transferable, assignable, or redeemable for cash except as explicitly provided herein.
Limitations and Exclusions:
This Offer may not be combined with any other consumer deposit promotional offer.
The Offer is void where prohibited by law and is not available to non-resident aliens or foreign entities submitting IRS Form W-8.
The Offer and bonus may not be reproduced, transferred, purchased, sold, or traded in any form or by any means.
All determinations regarding qualification for this Offer and bonus eligibility are made solely by Carolina Trust and are final.
Additional Disclosures:
Carolina Trust is not responsible for delays or errors caused by third parties, including but not limited to payroll providers or payment processors.
This Offer is governed by applicable federal and state laws and is subject to the terms of your account agreement and other applicable Carolina Trust policies.
By participating in this Offer, you acknowledge that you have read and understood these terms and agree to be bound by them.