Find the most up-to-date Municipal Credit Union promotions, bonuses, and offers here.
Update 10/26/25: There is currently a $350 bonus (improved from previous $250 offer) available when opening a checking account through 12/31/25.
About Municipal Credit Union Promotions
| Eligibility: Membership in Municipal Credit Union is open to the following: (1) employees and retirees of the City of New York; (2) Federal and New York state employees and retirees who work or formerly worked in the five boroughs of New York City; (3) employees of hospitals, health facilities, nursing homes or their affiliates within the state of New York; (4) employees of health insurance companies in the state of New York; (5) employees of companies who provide supplies and healthcare products to hospitals in the state of New York; (6) employees of private colleges in the New York City or private and public colleges in Nassau, Suffolk, or Westchester Counties; (7) students enrolled in a university, college, school, or institution of the City University of New York system; (8) employees of the Archdiocese of New York or Brooklyn; (9) employees who work for agencies operating within New York City and at least partially funded by New York City or the state of New York; (10) immediate family of anyone eligible. See current membership details. |
Municipal Credit Union $350 Checking Bonus
- What you’ll get: $350 bonus
- Account Type: Checking
- Availability: NY (Bank Locator)
- Direct Deposit Requirement: No
- Credit Inquiry: Hard Pull or Soft Pull? Let us know.
- ChexSystems: Unknown
- Credit Card Funding: Unknown
- Monthly Fees: None
- Early Account Termination fee: Not listed
- Household Limit: Not listed
(Expires 12/31/2025)
| BMO Smart Money Checking ($400 cash bonus*) | BMO Smart Advantage Checking ($400 cash bonus*) |
| KeyBank Key Smart Checking ($300 bonus) | SoFi Checking and Savings ($325 bonus) |
| Bank of America ($500 bonus offer) | |
How To Earn Bonus
HOW TO EARN BONUSFINE PRINT
- Open a new Everyday Hero Checking account between October 9, 2025, and December 31, 2025.
- Fund the account with a minimum of $1,500 of “new to MCU money” within the first fifteen (15) days after opening the account, and maintain a qualifying minimum daily balance for sixty (60) days after the funding period:
- $150 bonus: $1,500 minimum daily balance
- $250 bonus: $2,500 minimum daily balance
- $350 bonus: $5,000 minimum daily balance
- Upon meeting all requirements of the promotion, the one-time bonus will be deposited into your checking account.
- Eligible new and existing members are limited to one (1) one-time bonus offer. One-time bonus amounts are not cumulative. MCU members with an existing Everyday Hero Checking account as of October 8, 2025 are not eligible for this promotion.
- Member must be in good standing and the Everyday Hero Checking account must be open and in good standing from account opening until the date the one-time bonus is deposited into the member’s account to receive the one-time bonus. New to MCU money deposited directly into any other share or certificate account is not eligible to be counted towards the satisfaction of the funding requirement for the bonus. Bonus is subject to IRS reporting.
- MCU reserves the right to terminate, cancel, suspend, or modify this promotion, in whole or in part, at any time and without notice for any reason, including, without limitation, if any fraud, technical failures, or other factors impairs the integrity or proper functioning of the promotion.
How To Avoid Monthly Fees
- Everyday Hero Checking: No monthly service fees
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Bottom Line
Feel free comment below and let us know about how it went and if you could fund your account with credit card or not.
*Compare these promotions with other bank bonuses from banks like Huntington, HSBC, Chase, TD, Bank of America, Citi, and more!*
*Check back on this page for updated Municipal Credit Union promotions, bonuses, and offers.
MCU don’t want to honor the promotions , according to the branch bankers the promotions was not of just one direct deposit of 200 or more dollars , – according to branch employees I had to have being depositing for the 90 days and more days those amount to be able to qualified