Carolina Trust Federal Credit Union $300 Checking Account Bonus (2026) - Review & Requirements
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- Direct deposit: $1,000+ in qualifying direct deposits each month for 3 consecutive months
- Deposit window: 90 days
- Enroll in e-statements (go paperless)
- Enroll in digital / online banking
- Make 12 debit card transactions
- Availability: SC
- Lifetime limit: one bonus per customer
- ChexSystems sensitivity: Unknown
- Monthly fee: $6/mo — A $5.95 monthly maintenance fee applies in any month the account qualifications are not met. It is waived for the first two statement cycles after opening and for members aged 18 to 24.
- No early-closure rule listed
- Bonus posts: ~30 days
What Counts as Direct Deposit
Employer payroll is always the safest method. "Maybe" means some people report it working and it is not guaranteed. Open a row to see the individual reports.
Then, for each calendar month of the 90 day qualification period, stay enrolled in e-statements, log into digital banking once per cycle, and meet two of these three: receive at least $1,000 in qualifying direct deposits that month, complete at least 12 debit card purchases that month, or hold a Carolina Trust... Source
The reports come from Doctor of Credit comment threads, public Reddit posts, and members who told us what happened to their own deposit. Each one is dated where the person gave a date. Read how we check offers.
Reports are attached to the offer, never to your name. Members can log one from their account instead.
Overview
Carolina Trust Federal Credit Union is currently offering a $300 checking bonus. The core requirement is $1,000+ in qualifying direct deposits each month for 3 consecutive months. The account has a $5.95 monthly fee; review the waiver terms before applying.
Pros
Cons
Notes
Receive $1,000+ in direct deposits EACH month for 3 consecutive months. Each period must stand on its own; front-loading one large deposit does not qualify. Allow approximately 30 days for the bonus to post after qualification.
How This Compares to Other Bonuses
Carolina Trust Federal Credit Union's $300 offer is closest in headline value to PSECU'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 Carolina Trust Federal Credit Union checking bonus?
Carolina Trust Federal Credit Union currently advertises $300. The principal requirement is $1,000+ in qualifying direct deposits each month for 3 consecutive months.
Does the Carolina Trust Federal Credit Union bonus require direct deposit?
Yes. The catalog currently records $1,000+ in qualifying direct deposits each month for 3 consecutive months. Confirm the bank's exact definition before applying.
When should the Carolina Trust Federal Credit Union bonus post?
The tracked estimate is about 30 days after you satisfy the requirements.
Full Requirements
Open a new Rewards+ consumer checking account. Then, for each calendar month of the 90 day qualification period, stay enrolled in e-statements, log into digital banking once per cycle, and meet two of these three: receive at least $1,000 in qualifying direct deposits that month, complete at least 12 debit card purchases that month, or hold a Carolina Trust personal loan with a balance of $10,000 or more or a Carolina Trust mortgage. Offer expires August 31, 2026. Apply online.
Fees
A $5.95 monthly maintenance fee applies in any month the account qualifications are not met. It is waived for the first two statement cycles after opening and for members aged 18 to 24.
ChexSystems & Credit Pull
ChexSystems / credit-pull policy not officially stated.
Eligibility
Membership: Carolina Trust Credit Union (Myrtle Beach and Horry County, South Carolina area). Consumer accounts only, and you must be at least 18. You are not eligible if you already have a Rewards+ checking account. One bonus per person, per account and per Social Security Number. Qualifying direct deposits are recurring payroll, pension or government benefit deposits; person to person payments, transfers from other Carolina Trust accounts, and non-payroll ACH transfers do not count, and micro-deposits and prenotes do not count either. Debit card transactions must post, not just authorize, by the last calendar day of each month. The $300 is credited within 30 days after the 90 day qualification period ends, and the account must stay open and in good standing until it is paid. Cannot be combined with another consumer deposit promotion. Offer runs through August 31, 2026.
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Sources (2)
We last checked this against the bank's page on September 26, 2026.
Historical Promotions
The current $300 is the highest we've tracked since October 2025.
Add this offer directly to your dashboard so you can track its requirements, deadline, and payout.
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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.