Find an updated list of Great River Federal Credit Union promotions, bonuses, and offers here.
Update 12/2/24: As a limited time offer, you can currently earn a $150 bonus when you refer friends & family to open a new account using promo code UNWRAP150. They’ll also earn a $150 bonus.
About Great River Federal Credit Union Promotions
Great River Federal Credit Union is headquartered in Saint Cloud, Minnesota, and was established in 1948. Since then they have opened 4 new locations, offer CD rates that are 68% higher than the national average, and they have an A health rating.
| Eligibility: Membership is open to those who live, work, worship, or attend school in Benton, Sherburne, or Stearns county. Or if you live anywhere in the United States and simply join the American Consumer Council (a non-profit organization dedicated to consumer education and advocacy). It’s Free to join and with this membership, you will have access to financial education and articles. See current membership details |
I’ll review the Great River Federal Credit Union Promotions below.
Great River Federal Credit Union $100 Checking Bonus *Direct Deposit Not Required*
Great River Federal Credit Union is offering a $100 bonus with a new Checking Account using promo code CHARACTER100 and meet certain requirements.
- What you’ll get: $100 bonus
- Account Type: Checking account
- Availability: Nationwide by joining the ACC. Branches are in MN. (Bank Locator)
- Direct Deposit Requirement: Optional (see what works)
- Credit Inquiry: Soft Pull
- ChexSystem: Unknown, sensitive
- Credit Card Funding: $1,000 over the phone
- Monthly Fees: None
- Early Account Termination Fee: Unknown
- Household Limit: None listed
(Limited time offer)
| BMO Smart Money Checking ($400 cash bonus*) | BMO Smart Advantage Checking ($400 cash bonus*) |
| Bank of America ($300 bonus offer) | Chase Total Checking® ($300 bonus) |
| KeyBank Key Smart Checking ($300 bonus) | SoFi Checking and Savings ($325 bonus) |
How To Earn $100 Checking Bonus
- Join during this Great River FCU $100 New Member Offer using Promo Code CHARACTER100 via their online form, video chat, or in-branch.
- New members must enroll in online banking and eStatements within 60 days of account opening.
- New members must sign up for ONE of the following actions within 60 days of account opening:
- 1) Checking Account with Direct Deposit
- 2) Checking account with 5 or more debit card transactions within 60 days or
- 3) Any type of approved loan or GRFCU credit card
- The $100 bonus will be deposited before the 15th of the month following the 60 days from qualified account opening.
- $100 bonus ($50 bonus for minor accounts) will be deposited at or around the 15th of the month following 60 days after account opening.
- Accounts must not be negative at the time of the bonus deposit.
- $50 bonus available for minor accounts without above conditions.
- Member must not have had a previous membership at GRFCU to qualify.
- Subject to change or cancellation without notice.
- This offer can not be combined with other offers for opening a GRFCU membership.
Great River Federal Credit Union $100 / $150 Referral Bonus
Earn a $100 bonus when you refer someone to open a new account.
Great River Federal Credit Union is offering a $100 bonus when you refer a friend or family member for a new Checking account. You can earn up to $500 yearly with this bonus offer.
- What you’ll get: $100 bonus
- Account Type: Checking and Savings Account
- Availability: Nationwide by joining the ACC.
- Direct Deposit Requirement: Yes (see what works)
- Credit Inquiry: Soft Pull
- ChexSystem: Unknown, sensitive
- Credit Card Funding: $1,000 over the phone
- Monthly Fees: None
- Early Account Termination Fee: Unknown
- Household Limit: None listed
(Limited time offer)
Editor’s Note: As a limited time offer, you can currently earn a $150 bonus when you refer friends & family to open a new account using promo code UNWRAP150. They’ll also earn a $150 bonus.
| BMO Smart Money Checking ($400 cash bonus*) | KeyBank Checking ($300 bonus) |
| Chase Private Client ($3,000 Bonus) | HSBC Premier Checking (Up to $3,000 Cash Bonus), |
How to Earn $100 Referral Bonus
- New members must sign up for one of the following within 60 days of account opening:
- Checking Account with Direct Deposit
- Checking account with 5 or more debit card transactions or
- Any type of approved loan or credit card
- $100 bonus ($50 bonus for minor account referrals) will be deposited at or around the 15th of the month following 60 days after account opening.
- New members must sign up for one of the following within 60 days of account opening:
- Checking Account with Direct Deposit
- Checking account with 5 or more debit card transactions or
- Any type of approved loan or credit card. $500 referral reward maximum per calendar year.
- Referred or referral accounts must not be negative at the time of the bonus deposit.
- $50 bonus available for minor accounts without above conditions.
- Referred member must not have had a previous membership at GRFCU to qualify.
- Offer can not be combined with other offers at GRFCU.
- Subject to change or cancellation without notice.
Great River Federal Credit Union $50 Teen Referral Bonus
Great River Federal Credit Union $50 Teen Referral Bonus
Great River Federal Credit Union is offering a $50 bonus when you refer a friend or family member for a new Checking account. You can earn up to $500 yearly with this bonus offer.
- What you’ll get: $50 bonus
- Account Type: Checking and Savings Account
- Availability: Nationwide
- Direct Deposit Requirement: No
- Credit Inquiry: Soft Pull
- ChexSystem: Unknown, sensitive
- Credit Card Funding: Unknown
- Monthly Fees: None
- Early Account Termination Fee: Unknown
- Household Limit: None listed
(Limited time offer)
| BMO Smart Money Checking ($400 cash bonus*) | KeyBank Checking ($300 bonus) |
| Chase Private Client ($3,000 Bonus) | HSBC Premier Checking (Up to $3,000 Cash Bonus), |
How to Earn $50 Referral Bonus
- Simply refer a friend or family member and have them mention your name at account opening. $50 bonus will be deposited approximately 60 days after account opening, if one of the following conditions are met:
- 1) Checking Account with Direct Deposit
- 2) Checking account with 5 or more debit card transactions within 60 days or
- 3) Any type of approved loan or GRFCU credit card
- Use Promo Code: TEA
- $50 bonus for qualifying minor account will be deposited at or around the 15th of the month following 60 days after account opening.
- Account must not be negative at the time of the bonus deposit.
- New member must not have had a previous membership at GRFCU to qualify.
- Must open an account with Great River Go Live or within any GRFCU branch locations.
- Cannot be combined with any other offer.
- Subject to change or cancel without notice.
Great River Federal Credit Union $150 Checking Bonus (Expired)
Great River Federal Credit Union is offering a $150 bonus with a new Checking Account using promo code BentonStart and meet certain requirements.
- What you’ll get: $150 bonus
- Account Type: Checking account
- Availability: Nationwide by joining the ACC. Branches are in MN. (Bank Locator)
- Direct Deposit Requirement: Optional (see what works)
- Credit Inquiry: Soft Pull
- ChexSystem: Unknown, sensitive
- Credit Card Funding: $1,000 over the phone
- Monthly Fees: None
- Early Account Termination Fee: Unknown
- Household Limit: None listed
(Limited time offer)
| BMO Smart Money Checking ($400 cash bonus*) | BMO Smart Advantage Checking ($400 cash bonus*) |
| Bank of America ($300 bonus offer) | Chase Total Checking® ($300 bonus) |
| KeyBank Key Smart Checking ($300 bonus) | SoFi Checking and Savings ($325 bonus) |
How To Earn Bonus
- New members must enroll online banking and eStatements and accomplish one of the following within 60 days of account opening:
- Checking Account with direct deposit of at least $200
- Checking Account with debit card with 10 or more debit card transactions
- Any type of approved loan or GRFCU credit card
- Promo Code: BentonStart
- The Offer: *$150 bonus ($75 bonus for minor accounts) will be deposited before the 15th of the month following 60 days from qualified account opening. New members must enroll in online banking and eStatements and accomplish one of the following within 60 days of account opening: 1) Checking account with qualifying** direct deposit of at least $200 2) Checking account with 10 or more debit card transactions*** or 3) Any type of approved loan or credit card. Account must not be negative at the time of the bonus deposit. $75 bonus available for minor accounts without above conditions. New Member must not have had a previous membership at Great River FCU to qualify. Offer cannot be combined with other offers. Subject to change or cancellation without notice.
- Fine Print: **Qualifying Direct Deposit – Setup direct deposit of at least $200 to this account within 60 days of account opening. Your 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. Person-to-Person payments (such as Zelle®) are not considered a direct deposit.
How to Waive Monthly Fees
- Digital Banking: No monthly fees listed
- Youth Accounts: No monthly charges
- Business Basic: $5.00 monthly; to waive obtain a loan with competitive rates to get your fees waived!
- Business Plus: $10.00 monthly; to waive obtain a loan with competitive rates to get your fees waived!
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Bottom Line
The current promotion from Great River Federal Credit Union is a great promotion to take advantage of while bettering both you and your friend’s financial futures. Additionally, with easy to meet requirements and a generous bonus for both of you, this is definitely an account to take a second look at.
Furthermore, your feedback is highly appreciated and makes our site even better!
While they have generous bonuses, Great River Federal 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 Great River Federal 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, Bank of America, Wells Fargo, and more!*
*Finally, remember to check back at this page for updated Great River Federal Credit Union promotions, bonuses, and offers.
This is not a soft pull. When you get to the end of the application, it tells you.
” You authorize Great River FCU to obtain a hard credit inquiry which will be used to confirm your identity to avoid fraudulent transactions in your name.”
DD required.
I don’t know whether something changed in their process, but they ran a hard pull on Equifax when I applied on Friday. The CSR that called said it’s their standard procedure and that I was denied for Chex (they don’t want to see more than 3 inquiries per year).