4Front Credit Union $400 Checking Account Bonus (2026) - Review & Requirements
Overview
4Front Credit Union offers a $400 checking bonus in Michigan. No direct deposit is required, but each month for 3 consecutive months you must complete ALL of: 15+ debit card purchases, a $500+ deposit (any source), a mobile-banking login, and e-statement enrollment.
Who This Checking Bonus Is Best For
Michigan residents who prefer debit card usage over direct deposit as a bonus requirement.
How to Maximize This Bonus
Open a 4Front CU Straight4ward Rewards checking account (promo code 4Front400). Each month for 3 consecutive months you must hit the FULL set: 15+ debit card purchases, a $500+ deposit, a mobile-banking login, and e-statement enrollment. Missing any month's full set puts the $400 at risk — the payout posts to your prime share savings on the first business day of month 4.
Pros
Cons
How This Compares to Other Bonuses
Frequently Asked Questions
What counts as a qualifying debit transaction?
Any debit card purchase. Small purchases like coffee or gas count. You need 15 per month for 3 consecutive months.
Full Requirements
No direct deposit required. 15 debit card uses per month for 3 months.
Fees
ChexSystems & Credit Pull
Eligibility
State restricted: MI. New 4Front CU checking customers only.
Apply
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