TopLine Financial CU Totally Free Checking bonus: is $300 worth it?
What it adds over what your cash earns now, tier by tier. Change the rate to yours.
Yearly rate on $50 while it's there, bonus included.
The math
Compared with leaving $50 at 4.15%
Get 3 direct deposits of $1,000+ within 90 days · Deposit $50 in new money within 1 day · Sign up for eStatements at account opening. Terms checked Oct 10, 2026.
About this bonus
What it takes
- 1Get 3 direct deposits of $1,000+ within 90 days
- 2Deposit $50 in new money within 1 day
- 3Sign up for eStatements at account opening
- Ends
- Dec 31, 2026
- Where
- Minnesota
- Monthly fee
- None
- Keep it open
- At least 180 days, or the bonus can be taken back
- Cash stays
- About 1 day
- Bonus paid
- Usually within 28 days of finishing
Similar bonuses
The same kind of account, ranked by what each adds at 4.15%.
Questions
Is the TopLine Financial CU Totally Free Checking bonus worth it?
At 4.15%, about what T-bills or a money market fund pay (as of Oct 12, 2026), the $50 tier adds +$300: the $300 bonus, minus the $0 that cash would have earned in 1 day. At a different rate the answer changes; the calculator on this page works it out for yours.
What are the requirements?
Get 3 direct deposits of $1,000+ within 90 days; deposit $50 in new money within 1 day; sign up for eStatements at account opening. Open to residents of Minnesota.
When does it end?
The offer ends Dec 31, 2026. The terms were last checked Oct 10, 2026.