Posted by William Charles on May 17, 2017
Bank Account Bonuses

Published on May 17th, 2017 | by William Charles


[KS only] Heartland Credit Union $100 Checking Bonus

Offer at a glance

  • Maximum bonus amount: $100
  • Availability: You or a family member must live, work, worship or attend school in one of these counties Kansas: arton, Butler, Dickinson, Ellsworth, Franklin, Geary, Harvey, Kingman, Lincoln, Lyon, McPherson, Marion, Miami, Mitchell, Osage, Ottawa, Pottawatomie, Pratt, Reno, Rice, Riley, Saline, Sedgwick, Stafford, and Wabaunsee
  • Direct deposit required: Yes, two months (no minimum specified)
  • Additional requirements: 5 debit or credit card transactions for two months
  • Hard/soft pull: Hard pull
  • ChexSystems: Unknown
  • Credit card funding: None
  • Monthly fees: $10, avoidable
  • Early account termination fee: $20, six months
  • Household limit: None listed
  • Expiration date: None listed

The Offer

Direct link to offer

  • Open a new Premier Checking Account with Heartland Credit Union and receive a bonus of $100 when you complete the following requirements:
    • Receive a direct deposit and complete 5 debit or credit card transactions each month for two months


The Fine Print

  • New HCU Premier Checking accounts with payroll direct deposit and minimum 5 debit or credit card transactions each month for two months.
  • Bonus will be paid on the last day of the second month.
  • Annual Percentage Yield .10%-.30%, based on deposit level.
  • Member cannot have HCU checking prior to May 1, 2017.
  • All bank account bonuses are treated as income/interest and as such you have to pay taxes on them

Avoiding Fees

The premier checking account has a monthly fee of $10, this fee is waived if you a daily account balance of $1,000 or more or when you use your Heartland Credit Union debit or credit card 5 times or more per month. Their fee schedule can be found here.

If your account is closed within six months you will be charged a $20 early account termination fee.

Our Verdict

Update: Hard pull and no credit card funding make it a bad deal.

They have offered a higher bonus of $129 in the past. Hard to know if this is a good or bad bonus without knowing more about the bank (e.g hard/soft pull and if they accept credit card funding). As always please share your datapoints in the comments below.

Useful posts regarding bank bonuses:

7 Responses to [KS only] Heartland Credit Union $100 Checking Bonus

  1. Lc says:

    What arent my comments staying here? I’ve tried to leave 2 comments about my bad experience with this bank and it’s just not worth the time and effort

    • Sara says:

      I would like to know more about your experience. I live in KS and this seems like a pretty easy bonus to fulfill. What happened to you

      • LC says:

        You have to be kidding. They pull your credit report for every single type of account you open with them. No CC funding either. I never saw this anywhere either since I wasn’t able to do it online, just the membership. Dont think I can file a dispute fast enough…

  2. LC says:


  3. Greg says:

    Opened a week ago, will be trying pushes from Ally, PayPal, & Charles Schwab to trigger bonus.

  4. Greg says:

    Anybody having problems with the debit card? Mine won’t work at Wal-Mart or online (Amazon reload).

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