Florida Credit Union $300 Checking Account Bonus (2026) - Review & Requirements
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- Direct deposit: a qualifying direct deposit of $500 or more
- Deposit window: 60 days
- Minimum opening deposit: $5
- Enter promo code 25SUMMERBONUS when you apply
- Availability: FL
- Lifetime limit: one bonus per customer
- ChexSystems sensitivity: Low
- Credit pull: soft pull only
- Monthly fee: $0 — No monthly fee.
- No early-closure rule listed
- Bonus posts: ~60 days
What Counts as Direct Deposit
13 reports across 1 source. Last report Jul 13, 2026. Doctor of Credit comments 13.
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 have $500 in cumulative direct deposits post to that account within the first 60 days. 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
Florida Credit Union is currently offering a $300 checking bonus. The core requirement is a qualifying direct deposit of $500 or more within 60 days. The eligible account has no monthly maintenance fee documented in the catalog.
Pros
Cons
Notes
Enter promo code 25SUMMERBONUS during application. Make a single direct deposit of $500 or more within 60 days. Allow approximately 60 days for the bonus to post after qualification.
How This Compares to Other Bonuses
Florida 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 Florida Credit Union checking bonus?
Florida Credit Union currently advertises $300. The principal requirement is a qualifying direct deposit of $500 or more within 60 days.
Does the Florida Credit Union bonus require direct deposit?
Yes. The catalog currently records a qualifying direct deposit of $500 or more within 60 days. Confirm the bank's exact definition before applying.
When should the Florida Credit Union bonus post?
The tracked estimate is about 60 days after you satisfy the requirements.
Full Requirements
Open a checking account with Florida Credit Union with the required $5 opening deposit; credit approval applies. Then have $500 in cumulative direct deposits post to that account within the first 60 days. A qualifying deposit is an electronic deposit of your paycheck, pension or a government benefit such as SSI, from your employer or the government. Person to person payments through Cash App, Venmo or PayPal do not count. Keep the account open and in good standing for 90 days and the $300 is credited. You must be 18 or older, and it is one bonus per household.
Fees
No monthly fee.
ChexSystems & Credit Pull
Low ChexSystems sensitivity.
Eligibility
Membership is limited to 48 named Florida counties, not the whole state. If your county is not on that list you generally cannot join unless a family, school or alumni connection applies, so the app now checks your county before counting this offer as reachable. One bonus per household; anyone who has held an FCU checking account in the past 24 months does not qualify. New members only.
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Sources (2)
We last checked this against the bank's page on July 27, 2026.
Historical Promotions
This product has offered $400 before (ended ~2026-07-01) — the current $300 is below its historical high.
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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.