Teachers Federal Credit Union Promotions: $600 Checking Bonuses (Nationwide)

• Open a new Teachers checking account with direct deposit using offer code SMART600 and earn up to a $600 cash bonus.
• Earn $100 per month for up to 6 months by completing the following requirements:
  • Open a new Teachers checking account
  • Receive at least $1,000 in monthly direct deposits
  • Enroll in Online Banking and eStatements

• Earn up to $600 in cash bonuses. The up to $600 cash bonus will be earned by opening a new Teachers checking account and receiving Qualifying Direct Deposits (“QDDs”) totaling at least $1,000 each monthly statement cycle (“Evaluation Period”) for six consecutive Evaluation Periods. QDDs are regular ACH/electronic payroll deposits to your newly opened checking account directly from your employer, pension provider, or government agency (e.g., Social Security). QDDs from third-party providers like Wise, Inc., or Astra are not eligible. Additional deposit(s) that do not qualify for this promotion include but are not limited to: ACH external transfers, any Peer-to-Peer (“P2P”) transfers such as from Venmo, PayPal, Cash App, Zelle®, merchant transactions, or point-of-sale credits such as, but not limited to: transactions from PayPal, Stripe, Square, etc, in-person check or cash deposits, wire transfers, ATM transfers, and Online and Mobile Banking transfers along with micro-deposits and/or deposits used to verify accounts do not qualify. A maximum cash bonus of $600 will be earned and deposited in $100 increments after each month in which $1,000 in QDDs are posted to the new Teachers checking account. No bonuses shall be paid for QDDs totaling less than $1,000 during any Evaluation Period. QDDs must begin before the start of the second Evaluation Period. Any member who fails to meet the minimum requirements and/or discontinues their QDDs during or before the six consecutive Evaluation Periods will no longer be eligible to receive any additional bonuses during the promotion.
• Additional Program Guidelines/Restrictions: Offer valid beginning 8/21/2025. This offer is available to new members only who have not previously had any accounts or membership with the Credit Union at any time. Non-member joint account holders are not eligible. This offer can only be redeemed at any Teachers branch location or online using offer code SMART600. All account applications are subject to approval. A new Smart Checking, Share Draft Checking, or Young Professional Checking account must be opened to be eligible. Eligibility for this offer will also require enrollment in Online Banking and eStatements. QDDs must post and clear in the new checking account during the Evaluation Periods defined in this promotion. Members will have until the end of the second Evaluation Period to meet the requirements. After each Evaluation Period in which the offer requirements have been met, any earned cash bonuses will be deposited into the primary member’s Regular or Youth Savings account within 30 calendar days. The checking account must be open and in good standing with a balance greater than or equal to $0.00 in order to be eligible for the cash bonus. This offer is limited to one per primary member who has not participated in any promotion previously. Business and trust accounts are not eligible. This offer may be combined with the Refer-a-Friend promotion. Teachers Federal Credit Union reserves the right to modify or discontinue this offer at any time. We also reserve the right to rescind any cash bonus paid if there is a violation of the terms, requirements, and/or promotional guidelines of this offer. The cash bonuses earned will be reported on IRS Form 1099-MISC (or Form 1042-S, if applicable). Membership at Teachers is required by opening a Regular Savings account or Youth Savings account with a minimum opening deposit of $1.00.

The “Refer-A-Friend” bonus offer is available to existing Teachers members. In order for both parties to receive the $50 bonus, the following activities must occur:

• Existing members must refer family or friends to become a new Teachers member and open a new checking account.
• Referred candidate must open a Teachers checking account and perform 10 qualifying transactions* within 60 calendar days of establishing membership and maintaining their account in good standing. *Qualifying transactions include: debit card purchases, direct deposits, mobile deposits, in-branch deposits, ATM deposits and Teachers’ Bill Pay transactions.

If you have a referral link, please feel free to leave your link in the comment section below.

• Once all conditions are met by the referred new member, Teachers will deposit the $50 bonus into both parties’ primary Regular Savings accounts within 4 weeks, provided both the member and referred accounts are not closed or restricted at the time of payout. You can receive up to 10 referrals totaling $500.00 per calendar year. Bonuses may be reportable to you and the IRS on Form 1099-INT (or Form 1042-S, if applicable).
• Business accounts are not eligible to receive the Refer-A-Friend bonus. Employees of Teachers Federal Credit Union and its affiliates are not eligible for the Refer-A-Friend program. See Terms and Conditions for more information.

• Open a new Teachers checking account with a debit card and earn up to a $100 cash back bonus.
• Earn $25 per month for up to 4 months by completing the following requirements:
  • Open a Teachers checking account with a debit card.
  • Make 10 debit card transactions per month.
  • Enroll in Online Banking and eStatements.

• High School and College students can earn up to $100 cash bonuses.
• The $100 cash bonus will be earned by opening a new Teachers checking account and using your Teachers debit card for 10 purchase transactions each monthly statement cycle (“Evaluation Period”) for four consecutive Evaluation Periods.
• A high school or college identification is required to open the Teachers checking account and be eligible for this promotion.
• This offer can only be redeemed at a Teachers branch location.

• Opend a savings account with promo code NM2024
• Simply deposit qualifying funds to your accounts and maintain your balances for 90 days.
• The amount of your bonus depends on the amount of new money you deposit into your accounts at Teachers FCU.

• This offer is for new and existing members.
• Cash bonuses are earned based on a tiered payout structure and determined by the amount you grow your deposit account balances through new money deposits over a 90-calendar-day period (“Tracking Period”).
• Must enroll at a branch, call center, or through phone/video appointment. Website enrollment is not available or permitted for this offer.
• Your total combined deposit balances as of the end of the calendar day prior to your enrollment date will serve as the Starting Balance.
• You will have 14 calendar days post enrollment to deposit new money and increase your deposit balances.
• After the 14-calendar-day period, the Tracking Period begins where combined balances across all deposit products will be tracked for the offer.
• After the Tracking Period ends, the cash bonus will be determined by calculating the difference between the Starting Balance and the Average Daily Balance of your combined end-of-day deposit balances throughout the Tracking Period.
• If the difference between the balances results in positive growth of at least $25,000, you will earn a cash bonus.
• A new account is not required.
• All deposit accounts in which you have primary or joint ownership will be included in the Starting Balance and the final Average Daily Balance totals.
• All new deposit balances may only be considered towards the requirements for one qualified enrollment/offer.
• Balances from Savings and Certificate Secured Loans, Teachers Investment Services, internal transfers or funds that originate from a Teachers account are not eligible.
• All enrollments are subject to approval.
• The cash bonus will be deposited to your primary Regular Savings account up to 45 days after the Tracking Period ends.
• You must maintain a total combined deposit balance of greater than or equal to $0.00 and be in good standing at the time of payout to receive the cash bonus.
• These offers are limited to one per primary member.
• Teachers employees are not eligible.
• Eligible members may combine this offer with the New Member Offer and Refer-a-Friend.
• Teachers Federal Credit Union reserves the right to modify or discontinue this offer at any time.
• They also reserve the right to rescind any cash bonus paid if there is a violation of the terms, requirements and/or promotional guidelines of these offers.
• The cash bonus earned will be reported on IRS Form 1099-INT (or Form 1042-S, if applicable). Membership at Teachers is required by opening a minimum $1.00 Regular Savings account.