Florida Credit Union $300 Checking Account Bonus (2026) - Review & Requirements
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What Counts as Direct Deposit
Based on community data points and bank terms. Employer payroll is always the safest method. "Mixed" means some users report success but it is not guaranteed.
Overview
Florida Credit Union offers a $300 checking bonus for a $500 direct deposit within 60 days. Use promo code 25SUMMERBONUS. Florida residents only.
Who This Checking Bonus Is Best For
Florida residents looking for an easy $300 bonus with a single direct deposit.
How to Maximize This Bonus
Open checking with promo code 25SUMMERBONUS and make a $500+ direct deposit within 60 days. One of the simpler Florida bonus requirements.
Pros
Cons
How This Compares to Other Bonuses
Seacoast Bank ($400 for $1,000 DD) offers more for Florida residents, but Florida CU's $500 DD threshold is lower. Pick based on your DD capacity.
Frequently Asked Questions
Which states have Florida Credit Union?
Florida only.
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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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.