Read on to learn more about GTE Financial promotions, bonuses, and offers here.
Update 8/26/25: Valid through 10/31/25, you can earn unlimited $50 bonuses for referring friends/family to open a new checking account. Plus, your new member referral can earn a $200 bonus with a qualified product.
About GTE Financial Promotions
Established in 1935, GTE Financial has been serving the Bay area. Since then, they have upheld their values of great customer service and dependability.
I’ll review the GTE Financial Promotions below.
GTE Financial $50 Referral Bonus
GTE Financial is offering a $50 referral bonus to current members when they refer a friend who opens a new qualifying GTE checking account and meets the requirements.
- What you’ll get:
- Referrer earns $50 bonus
- Referee / Person being referred earns $200 bonus
- Account Type: Checking account or personal loan
- Availability: FL
- Direct Deposit Requirement: No
- Credit Inquiry: Hard Pull
- ChexSystem: Yes
- Credit Card Funding: Up to $500
- Monthly Fees: $4.95, avoidable
- Early Account Termination Fee: $25, 180 days (or balance if <$25)
- Household Limit: None listed
(Expires 10/31/2025)
Editor’s Note: Here’s an alternative link with a current $25 referral 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 Bonus
HOW TO EARN BONUSFINE PRINT
- Step 1: Referral code must be submitted at the time of application
- Use the referral code of the existing member (ensure it’s accurate)
- The referred friend will need to enter the referral code when they apply to join GTE
- The code cannot be added after the new member application is submitted
- Step 2: New, referred member opens a new checking account or loan to qualify for $200
- Open a new Consumer Checking Account
- All Consumer Checking Accounts qualify
- For a Student Checking Account, the referred member must be 18 or older
- Fund with a minimum of $100 within 10 days of opening the account
- Direct deposit must hit the account, totaling $2,000 during the promotional period
- Qualifying loan must apply, close and fund between July 14 and October 31, 2025
- Home Equity Line of Credit
- Home Equity Loan
- Home Loan – Non-GTE Refinance or a Purchase Home Loan
- Auto Loan – Non-GTE Refinance or a Purchase for a Used or New Auto Loan
- To qualify, a refinanced loan must be from a different financial institution, not GTE
- Auto loan must be a direct loan (indirect car loans procured through a car dealership are ineligible)
- Open a new Consumer Checking Account
- Once you both qualify, you will earn $50 + they earn $200
- Referral incentives cannot be combined with other offers or incentives.
- Both members’ accounts (the existing member referrer and the new referred member) must be active and in good standing, including no prior charged-off account to receive a referral payment.
- Both members must be a primary accountholder, must be at least 18 years old and Florida residents.
- The referring member can earn an unlimited $50 payout upon qualification.
- The referred, new member can only earn one (1) $200 payout upon qualification.
- The referred member must not have had any relationship with GTE Financial in 2024 or 2025, to qualify as a new member.
- The new member must fund a member owner share account with $5, open a regular share account, and open a qualifying product, with all requirements met, during the promotional time period of 7/14/2025 and 10/31/2025.
- Annual Percentage Yield (APY) accurate as of the last dividend declaration date. Any fees could reduce earnings on this account.
- Rates, terms and conditions subject to change without notice.
- All loans are subject to approval.
- Application through loan funding must occur during the promotional time period to qualify; timing can vary depending on the loan.
- Referral code must be accurately inputted or applied at the new member application time to qualify (it cannot be added at a different time, and the unique referral code must match the existing member accurately).
- If the existing member receives payment for the $25 Refer-a-Friend program during the promotional time period, final referral payout for this promotion will be adjusted, as offers cannot be combined.
- Payment may also be denied if it is determined that the system has been “gamed” or manipulated whereby accounts are not genuine.
- Legal action may be pursued.
- Promotion is subject to change or cancellation without notice.
- Payouts will occur by the 3rd week in November 2025 into the members’ primary share account.
- GTE Financial and its employees, affiliates, subsidiaries, and agents are not responsible for: technical failures or errors related to the referral code and application process; late or incomplete applications; any injuries, losses, or damages caused by participation.
GTE Financial $300 Checking Bonus (Expired)
- What you’ll get: $300 Bonus
- Account Type: Checking account
- Availability: FL (Bank Locator)
- Direct Deposit Requirement: Yes, $500+
- Credit Inquiry: Hard Pull
- ChexSystem: Yes
- Credit Card Funding: Up to $500
- Monthly Fees: $4.95, avoidable
- Early Account Termination Fee: $25, 180 days (or balance if <$25)
- Household Limit: None listed
(Expires 09/30/2024)
Editor’s Note: Most likely nationwide. All locations are in FL, but anybody can become a member by joining CU Savers Club, which is free
| BMO Smart Money Checking ($400 cash bonus*) | BMO Smart Advantage Checking ($400 cash bonus*) |
| KeyBank Key Smart Checking ($300 bonus) | Chase Total Checking® ($300 bonus) |
| Bank of America ($500 bonus offer) | SoFi Checking and Savings ($325 bonus) |
How To Earn $200 Checking Bonus
HOW TO EARN BONUSFINE PRINT
- Open a NEW qualifying GTE checking account using promo code JOIN300
- Set up a payroll direct deposit from your employer within 90 days of enrollment
- Earn you $300 bonus
- Offer valid for Florida residents only.
- Member must be 18 years of age or older.
- Offer valid for new memberships approved between 7/1/2024 and 9/30/2024.
- Promo code JOIN300 must be used at the time of application.
- To qualify, the new member must open a Go Premium checking account with GTE Secure, Go Full Access, or Go Further within 90 days of enrollment.
- Offer not valid for anyone who has banked with GTE Financial in the past.
- Credit approval and an initial deposit of $5 member owner stock are required.
- New members must also receive a recurring direct deposit totaling $500 or more per month, which must still be active on the payment date.
- Direct deposit must be an electronic deposit of your paycheck, pension, or government benefits; Deposits or transfers from other accounts or financial institutions do not qualify.
- Person-to-person payments (such as Venmo, CashApp, or PayPal) are not considered direct deposit.
- If the requirements are met and the checking account remains open and in good standing for 90 days after the member’s enrollment date, the $300 incentive will be deposited into the member’s savings account at that time.
- With the Go Premium with GTE Secure Checking Account, you can earn up to 3.04% APY on balances up to $2,000.
- No dividends earned after $2,000. Go Premium Checking Account APY is accurate as of the last dividend declaration date. Any fees could reduce earnings on this account. Rate may change after account opening.
- Dividends earned on balances up to $2,000 when monthly requirements are met; enroll in eStatements, deposit $500 or more into your Go Premium account each month, and complete at least 15 combined debit and/or credit transactions.
- GTE Financial reserves the right to decline or end this promotion at any time.
- This offer cannot be combined with other incentive offers from GTE Financial.
GTE Financial $100 Checking Bonus (Expired)
- What you’ll get: $100 Bonus
- Account Type: Checking account
- Availability: FL (Bank Locator)
- Direct Deposit Requirement: Yes (see what works)
- Credit Inquiry: Hard Pull
- ChexSystem: Yes
- Credit Card Funding: Up to $500
- Monthly Fees: $4.95, avoidable
- Early Account Termination Fee: $25, 180 days (or balance if <$25)
- Household Limit: None listed
(Expires 05/31/2024)
Editor’s Note: Most likely nationwide. All locations are in FL, but anybody can become a member by joining CU Savers Club, which is free
| BMO Smart Money Checking ($400 cash bonus*) | BMO Smart Advantage Checking ($400 cash bonus*) |
| KeyBank Key Smart Checking ($300 bonus) | Chase Total Checking® ($300 bonus) |
| Bank of America ($500 bonus offer) | SoFi Checking and Savings ($325 bonus) |
How To Earn Bonus
HOW TO EARN BONUSFINE PRINT
- Step 1: Open a NEW membership and a qualified GTE Checking account using promo code BOLTS100.
- Step 2: Set up a payroll Direct Deposit from your employer within 90 days of joining.
- Step 3: Receive your BOLTS DEBIT CARD!
- The Bolts Debit Card will typically take 7-10 business days post the Checking Account being funded to arrive.
- Step 4: CHARGE UP YOUR WALLET WITH A $100 BONUS!
- Offer valid for new GTE Members and Florida residents only.
- To qualify, new member must open a Go Premium with GTE Secure, Go Full Access, or Go Further checking account.
- In addition, new members must receive a recurring direct deposit totaling $500 or more per month within the first 60 days of account opening.
- Direct deposits will be validated prior to crediting incentive.
- Direct deposit must come from an external employer or government agency; deposits or transfers from other accounts or financial institutions do not qualify.
- For extenuating circumstances the member may submit a pay stub containing their legal name in order to meet the promotion criteria.
- New members must use the promotional code at the time of application.
- GTE Financial reserves the right to end this promotion at any time.
- This offer cannot be combined with other incentive offers from GTE Financial.
- Account incentive will be deposited into member’s account within 60 business days of meeting all qualifications of the promotion.
- Federally Insured by NCUA.
How To Waive Monthly Fees
- Go Premium Checking: $4.95
- Go Full Access Checking: $4.95
- Go Further Checking: $9.95 can be avoided by enrolling in eStatements, making $500 in aggregate deposits per month, and making a combination of 15 monthly debit and/or credit card transactions.
- Go Student Checking: None
- Business Interest Checking: $50, Average monthly available checking balance to avoid monthly fee: $50,000. Combined business deposit and loan balance to avoid monthly fee: $150,000.
- Business Premium Checking: $25, Average monthly available checking balance to avoid monthly fee: $5,000. Combined business deposit and loan balance to avoid monthly fee: $50,000.
- Business Essentials Checking: None
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Bottom Line
While the bonuses at GTE Financial sounds enticing, be aware that there are usually monthly service fees for most of their checking accounts. However, they do offer a lot of services such as cell phone protection, credit monitoring, and free debit cards.
Your feedback is highly appreciated and makes our site even better!
While they have many generous bonuses, GTE Financial 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 GTE Financial Promotions with other bank bonuses from banks like Huntington, HSBC, Chase, TD, Bank of America, Citibank, and more!*
*Check back at this page for updated GTE Financial promotions, bonuses and offers.
Actually with the Go further to waive the maintenance fee, you have to meet all three requirements. I am looking at the dashboard and it’s saying and after each requirement.
Can’t apply code for the 50 bucks.
it’s hard pull and $5000 credit card funding worked. They ask for all sort of documents which was annoying. It is not worth the hassle unless you have a credit card and need to meet the spending requirement.
The application process didn’t exactly mention “chex”, although they run some sort of ID check which asked 4 multiple choice personal questions about my loan-related accounts.
do we know if this pulls chex?
Up to $5,000 credit/debit card funding allowable… I applied for Full Access Checking ($0 minimum deposit) which also requires opening a separate savings account ($5 minimum deposit).
Avoid monthly $4.95 fees for Go Full access if: (1) Have eStatements & Make $500 in aggregate deposits per month OR (2) Make a combination of 15 monthly signature debit and/or credit card transactions
John,
Check it again. It should all be working now.
do we know if this pulls chex? I don’t think $50 is worth it for a chex pull.
Link does not work.