First U.S. Community CU Better Than Free Checking bonus: is $300 worth it?
What it adds over what your cash earns now, tier by tier. Change the rate to yours.
+$300: more than leaving it at 4.15%
The math
Bonus
+$300
Extra
+$300
Get $500 in direct deposits within 90 days · Make 5 debit card purchases within 90 days · Balance must be greater than $100 when bonus is paid (DoC: greater than zero). Terms checked Oct 9, 2026.
About this bonus
What it takes
- 1Get $500 in direct deposits within 90 days
- 2Make 5 debit card purchases within 90 days
- 3Balance must be greater than $100 when bonus is paid (DoC: greater than zero)
- Ends
- Dec 31, 2026
- Where
- California
- Pays while it's there
- 1% a year
- Monthly fee
- None
- Bonus paid
- Usually within 28 days of finishing
- Credit check
- A hard pull on your credit
Similar bonuses
The same kind of account, ranked by what each adds at 4.15%.
Questions
Is the First U.S. Community CU Better Than Free Checking bonus worth it?
It doesn't tie up any cash, so it beats leaving your money where it is: after fees it adds +$300.
What are the requirements?
Get $500 in direct deposits within 90 days; make 5 debit card purchases within 90 days; balance must be greater than $100 when bonus is paid (DoC: greater than zero). Open to residents of California.
When does it end?
The offer ends Dec 31, 2026. The terms were last checked Oct 9, 2026.