Education CU $mart Checking bonus: is $123 worth it?
What it adds over what your cash earns now, tier by tier. Change the rate to yours.
+$123: more than leaving it at 4.15%
The math
Bonus
+$123
Extra
+$123
Get $500 in direct deposits within 60 days · Make 15 debit card purchases within 60 days · Enroll in eDocs; no negative balance on last day of qualifying statement cycle. Terms checked Oct 10, 2026.
About this bonus
What it takes
- 1Get $500 in direct deposits within 60 days
- 2Make 15 debit card purchases within 60 days
- 3Enroll in eDocs; no negative balance on last day of qualifying statement cycle
- Ends
- Dec 31, 2026
- Where
- Texas
- Monthly fee
- None
- Keep it open
- At least 365 days, or the bonus can be taken back
- Bonus paid
- Usually within 7 days of finishing
Similar bonuses
The same kind of account, ranked by what each adds at 4.15%.
Questions
Is the Education CU $mart Checking bonus worth it?
It doesn't tie up any cash, so it beats leaving your money where it is: after fees it adds +$123.
What are the requirements?
Get $500 in direct deposits within 60 days; make 15 debit card purchases within 60 days; enroll in eDocs; no negative balance on last day of qualifying statement cycle. Open to residents of Texas.
When does it end?
The offer ends Dec 31, 2026. The terms were last checked Oct 10, 2026.