BMI Federal Credit Union $300 Checking Account Bonus (2026) - Review & Requirements
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- Minimum opening deposit: $20
- Enroll in e-statements (go paperless)
- Enter promo code BDCHECK26 when you apply
- Make 30 debit card transactions
- Spend $150 on the debit card
- Availability: OH
- No stated lifetime limit
- ChexSystems sensitivity: Unknown
- Monthly fee: $0 — Free Checking has no monthly fee and no minimum balance requirement.
- No early-closure rule listed
- Bonus posts: ~104 days
- Account hold: Must keep open 365 days
Overview
BMI Federal Credit Union is currently offering a $300 checking bonus. The qualifying activity is 30 debit-card transactions. The eligible account has no monthly maintenance fee documented in the catalog.
Pros
Cons
Notes
Enter promo code BDCHECK26 during application. Open a new Free Checking account at BMI Federal Credit Union using promo code BDCHECK26 and deposit $20. Within the first 90 days, make at least 30 Visa debit card transactions of $5 or more each and sign up for electronic statements. You also have to be an employee of a BMI FCU preferred partner. No direct deposit is required. The $300 is deposited into your savings account within 10 business days after you finish, and the checking account has to stay open 12 months or the bonus is taken back at closing. Offer ends September 30, 2026. Apply online. Allow approximately 104 days for the bonus to post after qualification. Keep the account open for at least 365 days.
How This Compares to Other Bonuses
BMI Federal Credit Union's $300 offer is closest in headline value to American Express's $300 checking bonus. Compare the direct-deposit requirement, geographic eligibility, fees, approval sensitivity, and payout timing, not only the advertised amount.
Frequently Asked Questions
What is the current BMI Federal Credit Union checking bonus?
BMI Federal Credit Union currently advertises $300. The principal requirement is 30 debit-card transactions.
Does the BMI Federal Credit Union bonus require direct deposit?
No qualifying direct deposit is currently listed; complete the alternative activity shown in the official terms.
When should the BMI Federal Credit Union bonus post?
The tracked estimate is about 104 days after you satisfy the requirements.
Full Requirements
Open a new Free Checking account at BMI Federal Credit Union using promo code BDCHECK26 and deposit $20. Within the first 90 days, make at least 30 Visa debit card transactions of $5 or more each and sign up for electronic statements. You also have to be an employee of a BMI FCU preferred partner. No direct deposit is required. The $300 is deposited into your savings account within 10 business days after you finish, and the checking account has to stay open 12 months or the bonus is taken back at closing. Offer ends September 30, 2026. Apply online.
Fees
Free Checking has no monthly fee and no minimum balance requirement.
ChexSystems & Credit Pull
ChexSystems / credit-pull policy not officially stated.
Eligibility
Membership: BMI FCU is open to everyone who lives, works, worships or attends school in Franklin, Licking, Fairfield, Pickaway, Madison, Union, Delaware or Morrow County in Ohio. The bonus is narrower than membership: you must be an employee of a BMI FCU preferred partner to qualify for it. Not available to existing members, fiduciary accounts, anyone who has closed an account within the past 60 months, or anyone with a negative balance. Not valid on business accounts and cannot be combined with other checking offers. You are also entered for a monthly grocery prize drawing. Expires 9/30/2026.
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Sources (3)
We last checked this against the bank's page on September 3, 2026.
Add this offer directly to your dashboard so you can track its requirements, deadline, and payout.
Stacks OS also tells you which bonus to do next for YOUR paycheck.
What actually counts as a direct deposit at 53 banks. Fidelity, Schwab, ACH pushes, all in one printable table, verified.
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Fat Stacks Academy may earn a commission when you open an account through links on this page, at no additional cost to you. Commissions do not influence our reviews — we verify offer terms directly with each bank before publishing and do not accept paid placement in our rankings. Bonus offers, requirements, and fees are determined by each financial institution and may change at any time. Always verify the current terms directly with the bank before applying. This content is for informational purposes only and does not constitute financial advice.