Posted by William Charles on October 19, 2017
Bank Account Bonuses

Published on October 19th, 2017 | by William Charles

133

Brightpeak Financial $200 Savings Bonus – Nationwide [Excluding AR, GA, NV, OK. Must Also Be Christian]



Deal is back and valid until November 1st, 2017.

Offer at a glance

  • Maximum bonus amount: $200
  • Availability:  (This account is not available to residents of Arkansas, Georgia, Nevada and Oklahoma.) You or your spouse must also be Christian.
  • APY: 0.10%
  • Additional requirements: Deposit $50 per month
  • Hard/soft pull: Soft pull
  • ChexSystems: Unknown 
  • Credit card funding: None
  • Monthly fees: None
  • Early account termination fee: Unknown, account must be open for two years to get full bonus
  • Expiration date: September 30th, 2017 October 13th, 2017 November 1st, 2017

The Offer

Direct link to offer



  • Receive bonuses of up to $100 when you open a Brightpeak Financial Emergency Savings Share Account. To receive bonuses you’re required to deposit at least $50 per month and you’ll receive the following bonuses:
    • Have a balance of at least $50 in the savings account when it has been opened for three months, receive $20
    • Have a balance of at least $200 in the savings account when it has been opened for six months, receive $30
    • Have a balance of at least $500 in the savings account when it has been opened for twelve months, receive $50
    • Have a balance of at least $1,000 in the savings account when it has been opened for twenty four months, receive $100



The Fine Print

  • If a Program participant fails to meet any of the requirements at any of the times that brightpeak may be calculating reward eligibility, the program participant will not be eligible to receive the reward payment at that time. However, they will remain enrolled in the program and will have the opportunity to receive future rewards if all of the requirements are met for the each of the subsequent rewards.
  • Each household is only eligible to receive rewards on one Savings Account. For the purposes of this Program, “household” is defined as all of the individuals who live together at a single-address residence.
  • All bank account bonuses are treated as income/interest and as such you have to pay taxes on them

Avoiding Fees

There are no monthly fees, I wasn’t able to find their fee schedule so I’m unsure if an early account termination fee is charged or not but given the fact that you need to keep it open for a full two years to get the full bonus I doubt it’ll really matter.

Our Verdict

Not a bad savings bonus, really depends on whether it’s a soft or hard pull to open and if you can fund with a credit card or not. Shame it’s restricted to Christians and it takes two full years to get the full $200 bonus. If you have any experiences with this bank, please share them in the comments below. You can view a full list of bonuses we recommend here.

Hat tip to reader Stevil

Useful posts regarding bank bonuses:



133 Responses to Brightpeak Financial $200 Savings Bonus – Nationwide [Excluding AR, GA, NV, OK. Must Also Be Christian]

  1. Dan says:

    what hogwash is this?

    • David says:

      And yet the pig is still dirty.

    • Reg says:

      DoC posts everything that he thinks MAY be of interest to his readership. He makes the editorial decisions that he genuinely thinks benefits us. I, for one, respect that effort.

      Whether or not someone agrees with some random credit union’s membership requirements is a useless argument to have here. If you agree with it, great. If you don’t, great.

      So symptomatic of general discourse these days: A group of people that share the same hobby and very likely so much in common, yet find a divisive issue and find a way to fight with each other.

      • +1, always disappointing to see readers fight like this in the comments.

      • Ken says:

        Exactly. If you don’t like it MOVE ON. There are plenty of other deals you may like better. People used to teach “If you have nothing nice to say don’t say anything at all”. What happened to those days?

      • Reg says:

        For the sake of this blog and this country, I genuinely hope that we can take a step back, look at each other and realize that we have so much more in common than what separates us.

  2. Ted says:

    A subsidiary of my employer . First time I am hearing about the savings account.

    • Ted says:

      Also, Brightpeak is not a bank but a marketing arm. The account will be open at “Thrivent federal credit union.”

      More than likely is a soft pull.

  3. El Guapo says:

    Open to Christians only? WTF? What century are we in?

    • Ted says:

      Have you ever heard of knights of Columbus?
      Both are fraternal benefits socieities, per IRS.

    • Steve says:

      Haven’t you heard of a Credit Union? They restrict based on workplace. This isn’t any different.

    • Max says:

      How the fuck do they enforce that? If Obama decided to apply for this account, would they require extra verification?

    • Max says:

      I notice that you list a bunch of states for availability, 34 in total, but only list 4 for not available. What about MA for instance and the unlisted states?

    • john says:

      wow the open anti christian atttitudes in this country . It is socially acceptable to attack christians but not other groups. Wake up, there are banks and organizations targeted to each and every religion and ethnicty but they are ok to do so. Yes they are ok in my book. In all cases how are they going to prove you are not christian . They cant so apply away. When i was in college I did a jewish birth right tour of Isreal open only to Jewish people. I claimed to be jewish, put my christian cross necklace away and went along with a few afrtican americans, asians and hispanics. Stop the any christian bashing .

  4. J T says:

    I think you misspelled “Breitbart”.

  5. Daniel says:

    Can you have a religious test for financial services?!?

    Also, there are a few states where this supposedly isn’t available that aren’t listed.

  6. P says:

    Why are these offers never available to Hawaii when it says nationwide? We’re U.S.A. as well!

    • P says:

      Well, for this particular offer, it says Christian. I still consider myself one but I’m not affiliated with any church, so I won’t be able to prove it.

      • john says:

        NO.But i don’t think the offer is worth the time and effort

      • Jeff H says:

        Like you, I consider myself Christian, but not a churchgoer. I was able to open an account just by checking the box “I am a Christian”. Nothing more required so far.

        Actual process of opening the account after application has been slow, but I am making progress.

        One concern – IF I READ CORRECTLY, bonus might NOT be paId if you withdraw anything. They label it an emergency fund, but if you have one, you lose bonus.

    • Superchurn says:

      Driving around the hinterlands of Maui and seeing all the anti-America signs, it does make one wonder a bit!

  7. Joe says:

    Is NJ eligible for this bonus?
    Thanks.

  8. Phillip Dampier says:

    NY is also not on the list. My guess is they are mostly in red states. 🙂 CA isn’t there either, and you know how many heathens live there.

    I am waiting for the firestorm when we see Sharia Credit Union open and the membership requirement is being a devout Muslim. Overdraw your account and we take a finger.

    • john says:

      There are already credit unions and lenders focusing on the muslim community. You are aware that interest on loans is not acceptable in the muslim world. There is a work around that does not call it interest but works out to be the same money extra. Part of religious freedom is to allow people to exercise thier belief. Government is the only entity that has to serve all. The leftest media tries to say otherwise.

      • anthonyjh21 says:

        Actually, the leftists are all about exercising each and every belief, sometimes to a fault. On the other end of the spectrum are extreme conservatives who want it to be about the good ol’ days and keep the antiquated status quo. There’s faults and bits of truth to both sides as far as I’m concerned. I’m neither left nor right so I don’t give a damn either way and don’t have a horse in the race here.

        As far as the bonus is concerned they can apparently do what they want. Like it or leave it, that’s what the country is about. Like I said earlier though it goes both ways and there’s no way they can prove or disprove your religious affiliation at the point of sign up so as far as requirements are concerned it’s a moot point.

      • Max says:

        People should be able to freely exercise their nonsense beliefs but they should also be reminded that they should probably use some critical thinking for once in their life and they’d see those beliefs aren’t true.

        • J T says:

          Actually, people should be able to freely exercise their nonsense beliefs, full stop.

          When those nonsense beliefs are used to restrict the rights of others or dictate public policy, then that nonsense is fair game for public scorn.

        • Stephen says:

          Yet there are countless miracles that happen, especially within the Catholic Church throughout the millennia that prove that, at least, there is something there. We all have a right to our opinion, but what happens when Science can’t explain countless miracles? I’m 100% pro-Science, but what happens when something transcends Physics, Biology, etc?

          • Yeshu says:

            You sound like Benny Hinn or Teresa, two big charlatans.

          • Information Booth says:

            Always remember not to cast your pearls before swine! Anyway, I don’t think the bonus is worth my time. Isn’t that what we were discussing? Love in Christ.

      • everywhere_dude says:

        I think there is a big difference between providing a service that caters to a specific religion (without restricting it to members of that religion), and providing a “generic” service and artificially restricting it to a religion.

  9. anthonyjh21 says:

    Sad that a bonus requirement like this even exists. I suppose you could easily play their game and just lie about it. You might go to hell though 🙂

    • Ferris says:

      It’s no different than requiring someone to be a part of XYZ employer to be a member of a credit union.

      • anthonyjh21 says:

        I don’t want to go down that road and start comparing an organization to a belief. They’re just two completely different things. I’ll leave it at that because we’ll most likely have to agree to disagree as I don’t see common ground with our opinions and this is a touchy subject for many people.

        • Mark O says:

          I am kind of curious how you think a Teachers only(etc.) credit union is different then a religious credit union. Both restrict membership based on certain criteria.

          If this is really linked into Thrivent federal credit union as stated above they use their money to loan the christian churches and schools. Would you really want your money to be used solely to lend to Christian churches and schools? I would guess everyone complaining here wouldn’t want their money going to that so that is probably why the restrict membership to Christians.

          • anthonyjh21 says:

            Made it pretty clear it’s not a discussion I want to get into but I’ll try to answer your question.

            Fundamentally you’re comparing a belief (personal opinion) to a group that’s based on non-belief criteria. Anyone can join a teachers union if they’re a teacher, regardless of their spiritual or religious beliefs. The same cannot be said for an institution that requires you to be of a specific belief.

            Schools has nothing to do with this though. PUBLIC schools are supposed to be free from any religious influence and shouldn’t impede on anyone’s personal beliefs. There’s a reason that we’re supposed to have separation between church and state, although that line continually gets blurred.

  10. Adam says:

    Never been a better time to convert, right? Finally putting some money behind Pascal’s wager.

  11. Curmudgeon says:

    DP: Started the application to see funding options. Only thing that came up was ACH transfer from another bank savings/checking account. No credit card option.

  12. Rye says:

    Any DPs for MO mobile deposits?

  13. David Davidson says:

    I was a born again Christian for 5 minutes

  14. peter says:

    im double disqualified

  15. LC says:

    Less bashing and more information on the sign up process please. Let us know if you guys get approved

    • JT says:

      If it’s a soft pull and they don’t verify Christianity then I’d probably do it cuz why the hell not. Did you sign up for it yet?

  16. BlueEyes_Austin says:

    It’s kinda like a two year bond with a 10 percent interest rate (significantly better than that actually since the capital is invested over the course of the two year period).

  17. Stevil says:

    Looong wait for $200, but seems incredibly easy, with a minimal financial commitment. Assuming my application is accepted, setting up a $50 monthly transfer and forgetting about it.

  18. MoreSun says:

    Too long of a wait for me and too many payouts to watch out for. Think I’m gonna pass on this one.

  19. Mike M says:

    FYI for anyone that does this but probably an especially good idea to take a picture of the current reward payout.

    After going through the application process the reward tiers aren’t showing the double bonus at the end.

  20. Jamie says:

    Shalom. This offer is giving me the Havah Negeilah blues!

  21. El Guapo says:

    So, Jesus would not have been able to apply, seeing as he was a Jewish rabbi. Interesting.

    • Superchurn says:

      Well, he never really was a fan of the Temple Money Changers…a bank with religious requirements seems awfully close to that

  22. Matt D says:

    Bummer did the $100 offer a few months back, wonder if I can call and match? Guess I can always try.

  23. Ellie Arroway says:

    Would Jesus churn bank accounts?

    • Luke Vader says:

      LOL, good one. I bet Matthew (the tax collector) would have, at least prior to becoming one of Jesus’ disciples.

  24. Mike says:

    Adam, I think you found a new side hobby. Time to start up a best religion sign up bonus page. Be sure to list fees for leaving early and if they are churnable if you switched religions recently

  25. Justintime says:

    Does anyone know if there is a soft pull? Wish we could stop bickering about requirements of being Christian. A lot of credit unions have requirements, move on.

  26. Dan says:

    This is more worthless than Marriott twitter crap

  27. Stevil says:

    DP: was rejected for too many Chex inquiries, and need additional identity verification. Appealing to the Risk Management team. Wasn’t really expecting this to be this difficult; with the 2 year timeline, not exactly a churners dream.

  28. artgriego says:

    They want Christians only and yet they exclude 2 southern states?!

  29. scott says:

    How do they prove if you’re a Christian? Is there a place where I can easily convert?

    • Superchurn says:

      just go to a church, donate something, then ask them for tithe records for tax purposes…membership proven!

  30. Poster says:

    This completely illegal with their “you or spouse must be Christian” language.

    I’m going to file a CFPB complaint and try to call NCUA. Could probably sue in a class action and win, for damages on this one, but not going to bother.

    Not blaming DoC or Christians or the US or anyone else, but this is wrong and something should be done.

    • Illegal based on what grounds?

      • ECOA says:

        Equal Opportunity Credit Act. I realize the below link is about credit and not deposit accounts, but the rules for deposit accounts are similar.

        https://en.wikipedia.org/wiki/Equal_Credit_Opportunity_Act

        Important language from 15 U.S.C. § 1691:
        “[…] makes it unlawful for any creditor to discriminate against any applicant, with respect to any aspect of a credit transaction, on the basis of race, color, religion, national origin, sex, marital status, or age […]”

        They can’t require a religious condition for a financial transaction.

        • Ferris says:

          This is for Loans. However, they certainly deny anyone they so wish to join as members. However, when they become members and apply for a loan, they cannot technically say “No” because of race, color, religion, etc.

          There are tens of thousands of organizations which restrict membership based on sex, religion, marital status, etc. I think this is pretty common knowledge. You need to make apples-to-apples comparisons for your “I will sue, file CFPB, etc.”. No court is going to let you sue an for a law on apples when you’re talking about an orange.

        • It’s allowed as a requirement for a credit union

  31. Rene says:

    Before anybody gets too heated about the ‘must be christian’ requirement: this seems to be just a tax loophole which requires a “common bond”.

    Picking christianity is actually pretty smart given that an overwhelming majority of americans believe in god, which is by far unmatched by any other developed country. I guess `has 10 fingers` didn’t qualify as ‘common bond’.

    In any case, I doubt they’ll actually go too crazy to verify or enforce this. Not sure how that would even be possible.

  32. Hermes says:

    Hey Maxie,
    Get the stick out from up your ass and back off, OK?

    If you studied your history instead of being angry all the time, you would know that mostly all of the disciples of Christ were tortured and killed. I believe one or two were FLAYED ALIVE. All they had to do was say it wasn’t so. Not too many people would continue to have their skin peeled off while alive if it was all a BIG LIE. Historically, the account of Jesus is accurate and proven to be true. WHERE’S THE BODY, MAX? The government at the time wanted to disprove him by all means. They failed to do so.

    Critical thinking my ass. You wouldn’t even know… I wouldn’t waste my breath on you, but someone out there might get something out of this and actually do some research and find something out. OK, you can go back to hating and being miserable now. I’m done.

  33. Chris says:

    I’m an atheist, so will I go to Hell if I lie about being Christian on a credit union application? 😉

  34. Chris says:

    A balance of at least $50 in the Savings Account when the account has been open for 3 months
    A balance of at least $200 in the Savings Account when the account has been open for 6 months
    A balance of at least $500 in the Savings Account after the account has been open 12 months
    A balance of at least $1,000 in the Savings Account after the account has been open 24 months

    $10 when the account has been open and eligible for 3 months
    $15 when the account has been open and eligible for 6 months
    $25 when the account has been open and eligible for 12 months
    $50 when the account has been open and eligible for 24 months

    Looks like they have cut bonus amounts by half

    • Ralph says:

      When you look further down the page under “What are the Savings Rewards Program Details”, you’ll see”

      *As part of a brightpeak promotion, Savings Account applications accepted and approved by September 30, 2017 will be eligible to receive double rewards payments, as set forth in the following schedule:

      $20 when the account has been open and eligible for 3 months
      $30 when the account has been open and eligible for 6 months
      $50 when the account has been open and eligible for 12 months
      $100 when the account has been open and eligible for 24 months

    • TJ says:

      Deposit and lending services are offered by Thrivent Federal Credit Union, a member-owned not-for-profit financial cooperative that is federally insured by the National Credit Union Administration and doing business in accordance with the Federal Fair Lending Laws. Must qualify for membership. Insurance, securities, investment advisory and trust and investment management accounts and services offered by Thrivent Financial, the marketing name for Thrivent Financial for Lutherans, or its affiliates are not deposits or obligations of Thrivent Federal Credit Union, are not guaranteed by Thrivent Federal Credit Union or any bank, are not insured by the NCUA, FDIC or any other federal government agency, and involve investment risk, including possible loss of the principal amount invested.

      This rewards program is offered and administered by brightpeak financial, which is not affiliated with TFCU. TFCU is not responsible for managing and will have no liability related to the rewards program.

      *The account is not available to residents of Arkansas, Georgia, Nevada and Oklahoma.

  35. Jonathan says:

    Thanks DoC! Easy process. I received the account opening documents by email about 24 hours after application. Simple docusign process.

    Thanks again!

  36. Mike M says:

    Denied due to too many inquiries.

    I’ve opened 9 accounts in the past 2 months.

  37. crowderd says:

    Denied. Email came from Brightpeak but they didn’t give a reason. Said I would receive an email from Thrivent with more info.

  38. Matthews413 says:

    DP: Initial Signup

    Signup was very simple. single page. select either i am a christian or my spouse is a christian, no verification.

    Dont find out instantly if approved, i have a handful of chex inquiries, hopefully ill get approved. I will when i find out!

  39. TJ says:

    ChexSystems: YES

  40. Jonathan says:

    I never received anything in the mail from these folks and was unsure how to access my account online. Here is their response. Hope it helps someone.


    To access the account online, you will want to visit our site at http://thriventcu.com. At the top right-hand corner of the page, you will want to click on the Login button for online banking. On the login page, you will want to click on Enroll Now, which allows you to create a username and password for online banking.

  41. Gary says:

    I applied for this last year when it was promoted on this site for the $100 bonus, and it has been positive experience. The bonuses have arrived on time as promised and its honestly helpful for me to save money! My wife just applied and was approved as well.

    Also its been extended to October 13th

  42. mishyq says:

    they are chex sensitive. got denied due to that

  43. JT says:

    I was denied for Chex inquiries. Either that or because I am an atheist haha.

  44. Stevil says:

    Was denied when I applied back in August. Something like 9 Chex in the last year. Called, got sent to risk management, went a few rounds, got approved.

    So now I’m a shiny new member of Thrivent. And for convenience sake, I apply for a checking account, so in two years I’ll actually be able to easily access my lovely little nest egg. And I’m denied, for too many Chex inquiries.

    I surrender. They are incredibly Chex sensitive. Worth the hassle of fighting, but just barely.

  45. Al Gee says:

    Despite all the bickering in here about the Christian requirement, I signed up and was approved for it.

    Thank you Doc, this will be a supplemental savings account for the wive and I.

    Signed,
    A Methodist

  46. SS says:

    I applied for the account last night. It was an easy 1 or 2 page app taking literally 5 minutes.

    The site said some to the effect of thanks for opening check your email, but I did not get an account # or any type of firm confirmation the application was successful from the actual website.

    In my email I got a generic email instantly which I assumes confirmed I was successfully approved based on content. See below.

    I have opened ~20 accounts this year, but am also a Thrivent member and hold a life insurance product with them. No idea if they somehow joined back end records with my personal info to approve me while others were rejected due to chex as the application didn’t reference existing members etc.

    Welcome to brightpeak financial!

    Thank you for applying for a Thrivent Federal Credit Union (TFCU) Emergency Savings Share Account through brightpeak financial. In addition to your TFCU Emergency Savings Share Account, you will also be enrolled in the brightpeak Savings Rewards Program.

    What’s next?
    -Your application is being processed by TFCU.
    -You will receive a welcome kit with your account documents within 3 weeks.
    -After you receive your welcome kit, enroll in online banking at Thriventcu.com/onlinebanking.

    • SS says:

      also meant to add, I put a freeze on my credit report with the 3 bureaus following the Equifax debacle, so signs point to them not doing a credit pull assuming I am in fact approved.

      • SS says:

        NM I was rejected via a form letter with title ADVERSE ACTION NOTICE about a week after applying

        Reason: Other, specify – Excessive Inquires

        Chex contact info is typed in on the back of the letter

        I have a lot of accounts, 20+ so makes sense, but still a bummer

    • Jeff H says:

      The followup after the account is started will be a couple of emails with documents for you to DocUSign electronically. They landed in my SPAM filtered file. Without those, the account will not be realized.

  47. Judy613 says:

    If you have to be of a certain religion to open an account, in this country, The USA, that is called discrimination. It’s only a matter of time that this financial institution will be facing legal action from the US Govt, a class action suit or will be sued ty the ACLU.

    I wouldn’t want to give them my money anyway to use to make a profit and continue in their discrimanatory practices.

    There are PLENTY of other financial institutions and plenty of offers out there thanks to DOC.

    • Ken says:

      Many banks only accepts people with military affiliation. How many scholarships are only dependent on skin color? Girl Scouts only allows girls.

      Plenty of organizations have these types of limiting requirements. Are the above discriminating too? Come on now…

  48. OCpharaoh says:

    I’m atheist, christian mother, muslim father, and jewish sister. What proof they required for religion? I’m circumcised after my dad so obviously my penius can’t be used as proof! I can go into one of their branches and yell Jesus Christ died for your sin; will that be enough proof? even my ass is brown so I don’t think it can be used either, though Jesus was from the middle east probably with brown ass too.

  49. Jags says:

    denied based on chex.

    lots and lots of accounts this year.

  50. Jay A says:

    DP – No hard pull for me. Application has this written where you type your social:

    “Required to verify identity and review banking history for fraud.”

    Clicking submit turned up this message:

    “Your application has been submitted.
    Check your inbox – You will be receiving a welcome email shortly.”

    Almost immediately received an email welcoming me and stating what comes next:

    1. Your application is being processed by TFCU.
    2. You will receive a welcome kit with your account documents within 3 weeks.
    3. After you receive your welcome kit, enroll in online banking at Thriventcu.com/onlinebanking.

    As for Chex sensitivity, they’re obviously vetting something somehow but it isn’t through a hard pull. Not ready to say I was approved but things look promising. I’m only at 5 new accounts in last 12 months.

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